Six Truths About Money You Need to Hear

Money is stressful—especially during the holidays. If you’re feeling overwhelmed, you’re not alone. After 26 years of working with clients, I’ve learned that no matter how different our lives may seem, we share many of the same struggles with money.

The good news? These struggles don’t have to define us. As we move into the New Year, here are six truths about money to inspire and motivate you on your financial journey.

1. Most of us never received an education in financial literacy.

Many of us—especially women—feel like we’re "bad" with money. Let me share a secret: you’re not “bad with money”, you were simply never taught how to manage it. I’ve heard countless stories of women sitting silently in meetings with financial professionals, afraid to speak up for fear of sounding “stupid.” If that sounds familiar, know this: you deserve better. You’re talented, smart, and capable.

If you’ve ever felt like everyone else knows what they’re doing, trust me—they don’t. We’ve all made money “mistakes.” The important thing is to start learning now. There’s no shame in not knowing—only in not wanting to know. With the right guidance and compassion, you’ll be amazed at how quickly things can change.

2. Tough love is not the answer.

Many people avoid getting financial support because they’re embarrassed by their past money decisions and behaviors. They’re afraid of being judged for their debt, overspending, or financial mistakes. They’re afraid of their lives becoming soulless, because they’re used to hearing “tough love” advice: “Stop eating out,” “No lattes if you’re in debt,” and so on.

The truth? Money is hard—and shaming doesn’t help. What we need is grace, compassion, and a plan that fits our lives and lets us enjoy today while still taking care of our future self. That’s how we build a sustainable relationship with money—not through guilt, restriction and shame, but through understanding and support.

3. Your past does not predict your future.

Money struggles—whether it’s mounting debt, tension with a partner about money, or years of feeling stuck—don’t have to define you. I’ve seen women turn money stress into empowerment and confidence, others break free from decades-long cycles of overspending and debt, and couples finally have the hard conversations they once avoided.

Every step forward, no matter how small, can transform your relationship with money and open the door to new possibilities. You have the power to write a new chapter—or even a whole new book.

4. Life is not constant, so your money plan shouldn’t be either.

Rigid budgets don’t work because life is unpredictable. Jobs change, kids arrive, unexpected expenses pop up—and that’s okay. The key is having a flexible plan that evolves with you. They key word here is “plan”.

Think of yourself as the pilot of your financial journey. Just like flying, you need to file a flight plan—but turbulence is inevitable. With the right tools, though, you can navigate it confidently, just like a skilled pilot ensures you arrive smoothly at that big vacation you worked so hard for.

5. Money is emotional.

85% of money decisions are driven by emotions, not logic. That’s why not just focusing on the numbers and understanding your money stories and “Money Personality” is so powerful. It helps uncover the unconscious patterns behind your behavior—patterns rooted in your emotions.

Once you understand these patterns, you can create unique systems that work with your personality (and your life), setting yourself up for success instead of frustration.

6. Give yourself the gift of support.

You don’t have to figure everything out alone. Books, podcasts, and YouTube videos are great, but they’re cookie-cutter solutions—and you’re not a cookie! 😊

Whether you need a CPA, a bookkeeper, a financial advisor, or a financial coach, investing in professional financial support can be transformative. Think of it like hiring a personal trainer: they tailor a plan to your needs, hold you accountable, and cheer you on. Wouldn’t you want the same support for your finances?

Your Journey Starts Here

Money isn’t just numbers—it’s personal. This journey is yours to define and create, and it starts with taking that first step. If you’d like some insight or help with your money, schedule a free call. I’d love to chat and see if I can help.

Wishing you and your loved ones a joyful holiday season,

Debbie