Financial

Self-Trust Is Built in the Return

Self-Trust Is Built in the Return
People often speak about self-trust as if it were something you either possess or lack.
You may look at someone who makes decisions confidently and assume they naturally trust themselves. You may interpret your own hesitation, inconsistency, or history of unfinished plans as evidence that you do not.
But self-trust is not a fixed personality trait.
It is a relationship built through experience.
You learn whether you can rely on yourself by observing what happens when you make a commitment, face uncertainty, make a mistake, change your mind, protect a boundary, or return after losing momentum.
That final experience matters more than many people realize.
Self-trust is not built only through perfect follow-through.
It is also built in the return.

Why Large Promises Can Weaken Trust

When you feel frustrated with yourself, making a dramatic promise can feel powerful.
Tomorrow, you will wake up early, exercise, meditate, journal, publish content, organize your finances, cook every meal, and stop using your phone unnecessarily.
The promise creates temporary relief because it replaces today’s disappointment with tomorrow’s imagined discipline.
But if the commitment does not reflect your actual time, energy, needs, or capacity, it is unlikely to become reliable evidence.
When this happens repeatedly, the problem may not be a lack of discipline. You may be asking ambition to make commitments that reality cannot support.
Smaller promises can feel unimpressive, especially when you want significant change.
But a smaller promise you can honor teaches you more than an ambitious promise you repeatedly abandon.
It says:
  • I listen when I assess my capacity.
  • My commitments mean something.
  • I can begin without creating an entire new life overnight.
  • I know how to create a next step.
  • I can expand after stability develops.
The goal is not to keep your life permanently small. It is to build from a foundation that can hold growth.

Aligned Action Creates Believable Evidence

You do not have to wait until you fully identify as a writer to write.
You do not have to feel financially confident before reviewing your finances.
You do not have to become fearless before stating a boundary.
Action gives identity something to attach to.
Every aligned choice becomes evidence that the person you want to become is not entirely theoretical.
This does not mean action guarantees a particular result. Publishing one article may not produce an audience. Setting one boundary may not transform a relationship. Saving a small amount may not immediately create financial security.
The external outcome and the internal evidence are related but distinct.
The action may still teach you:
  • I can tolerate being seen.
  • I can make a decision with incomplete certainty.
  • I can protect what matters.
  • I can learn a skill.
  • I can begin again.
  • I can respond differently than I did before.
That evidence strengthens self-trust even when the external outcome takes longer.

Confidence Often Follows Practice

Waiting for confidence can keep you waiting indefinitely.
Confidence frequently develops after you have enough experiences to understand that you can participate, respond, learn, and recover.
Your first attempt may feel awkward because you are doing something unfamiliar. That awkwardness is not proof that you are incapable. It may simply be the cost of acquiring new evidence.
You do not need to throw yourself into the most frightening version of the task.
You can create a low-risk practice.
Share an idea with one trusted person before presenting it publicly.
Record a video without publishing it.
Attend an event before volunteering to lead one.
Look at your account balances before creating an entire financial plan.
The purpose is not to avoid every challenge. It is to give yourself an experience that is large enough to matter and manageable enough to complete.

Repair Changes the Meaning of Inconsistency

Many people believe self-trust is destroyed when they break a promise to themselves.
Repeatedly ignoring your own needs and commitments can affect trust. But a broken promise does not have to become permanent evidence of abandonment.
You can repair.
Repair begins with honesty:
  • What did I promise?
  • Why did I not follow through?
  • Was the promise realistic?
  • Did my circumstances change?
  • Was I avoiding discomfort?
  • What support was missing?
  • Does the commitment still matter?
  • What is a more honest agreement now?
Repair may mean recommitting. It may mean reducing the promise. It may mean rescheduling it, changing the method, asking for help, or acknowledging that the original goal no longer belongs to you.
Self-trust does not mean forcing yourself to obey every decision you have ever made.
It means developing confidence that you will remain honest and responsive in your relationship with yourself.

Boundaries Protect Your Becoming

Becoming is affected by more than motivation.
Your time, attention, energy, environment, relationships, and obligations influence which choices remain available.
A boundary helps protect the conditions in which a chosen identity can be practiced.
If you want to become more rested, you may need a boundary around availability.
If you want to become more financially intentional, you may need a boundary around emotionally driven spending.
If you want to become more creative, you may need to protect time that other people do not immediately understand.
If you want to become more self-respecting, you may need to stop participating in conversations that repeatedly diminish you.
A boundary is not proof that you have completed the transformation. It is part of the action through which transformation becomes sustainable.

Returning Is a Skill

You will miss days.
You will become distracted. Your energy will change. Emergencies will happen. A plan that worked in one season may no longer fit another.
If your definition of consistency requires uninterrupted performance, every disruption will feel like failure.
A more sustainable definition includes returning.
Returning may look like:
  1. Notice that the practice has been interrupted.
  2. Respond without turning the interruption into an identity.
  3. Decide whether to resume, revise, or release the commitment.
  4. Take the smallest meaningful next action.
  5. Record the return as evidence.
This is how you become someone who can trust herself.
Not because you never lose momentum.
Because losing momentum no longer means losing the relationship.

Reflection

  • Where would a smaller promise be more trustworthy?
  • What action would reflect the person I am becoming?
  • Which agreement with myself needs repair?
  • What boundary would protect my ability to follow through?
  • What evidence do I have that I know how to return?

Companion Resource

Participants applying these lessons specifically to money may benefit from the Empowering Money Beliefs Workbook or Money Identity Journal.


Finding Your Purpose Is Greater Than Chasing the Life of Your Dreams

Finding Your Purpose Is Greater Than Chasing the Life of Your Dreams
So many of us grow up being told to “chase our dreams.” We imagine the dream job, the dream house, the dream partner—visions of a perfect life that gleam like a pot of gold at the end of a rainbow. But what if the pursuit of that dream life actually leaves us feeling more lost than fulfilled? What if there’s something deeper, more powerful, and more lasting than our dreams? That something is purpose.

Purpose is not about achieving a specific outcome. It’s not a promotion, a house, or a vacation lifestyle. Purpose is about contribution, alignment, and meaning. It’s what pulls you out of bed in the morning and makes you feel alive even when things aren’t going perfectly. Chasing dreams can lead to burnout or disillusionment if those dreams aren’t rooted in something deeper. But when you live from your purpose, you thrive even in the face of obstacles.

Dreams are often shaped by external influence—what we see on social media, what our parents wanted for us, what we think we “should” do to feel successful. Purpose, on the other hand, comes from within. It’s tied to your unique soul blueprint—your values, your natural gifts, your lived experiences. Dreams can be fleeting. Purpose evolves, but it stays with you. It grows as you grow.

When you pursue a dream that isn’t connected to your true purpose, it can feel like you’re climbing a ladder that’s leaning against the wrong wall. You might achieve success, but still feel empty or off-course. On the flip side, people who live with a strong sense of purpose often report greater fulfillment, resilience, and even better health—no matter what their external life looks like.

So how do you find your purpose? 

First, get quiet. Turn down the noise of the outside world and tune into your own inner knowing. Meditation, journaling, and solo walks in nature can help you hear your inner voice. Ask yourself: What lights me up? What challenges have I overcome that I can help others with? What do people often come to me for? These clues can point you toward your deeper why.

Second, reflect on your values. What matters most to you? Integrity, creativity, service, freedom? Identifying your core values can help you make choices that feel aligned and meaningful. When you live in harmony with your values, you automatically begin to move in the direction of your purpose—even if it doesn’t look like the life you originally dreamed of.

Third, take inspired action. Purpose isn’t something you think your way into—it’s something you live your way into. Volunteer, start a passion project, join a cause, or mentor someone. Don’t wait until everything is perfectly clear. Clarity comes from movement. Each step you take reveals more of the path.

Fourth, pay attention to what feels easy and energizing. Your purpose often flows through your natural gifts and joys. That thing you do that feels effortless but lights up others? That’s a breadcrumb. Follow it. Purpose doesn’t always feel like a lightning bolt. Sometimes it whispers through the things that come most naturally to you.

Finally, allow your purpose to evolve. You’re not meant to stay the same forever, and neither is your purpose. What’s true for you now might shift in five or ten years—and that’s okay. Stay curious. Stay open. Keep asking deeper questions. Your purpose isn’t a destination. It’s a way of being in the world that brings your soul to life.

In the end, chasing a dream life might bring you fleeting highs—but living your purpose brings you lasting fulfillment. When you live with purpose, your life becomes the dream—not because it’s perfect, but because it’s real, rich, and meaningful. And that, more than anything, is what we’re all truly searching for.


The Importance of being present, not perfect!

The Importance of being present, not perfect!
In our fast-paced world, the pressure to achieve perfection can often overshadow the beauty of simply being present. We are constantly bombarded with images of idealized lives and unattainable standards. This pursuit of perfection can lead to stress, anxiety, and a sense of inadequacy. However, by shifting our focus to being present, we can find joy and fulfillment in the here and now.

Being present means engaging fully with the current moment, appreciating the small details, and embracing the imperfections that make life unique. It allows us to connect more deeply with our surroundings, our experiences, and the people we encounter. This connection fosters a sense of gratitude and contentment that perfection cannot provide.

Moreover, when we prioritize being present over being perfect, we open ourselves up to authenticity. We become more comfortable with our true selves, acknowledging our strengths and accepting our weaknesses. This authenticity encourages genuine relationships, as others are drawn to our openness and honesty.

In the realm of personal growth, being present fosters a mindset of curiosity and learning. Instead of focusing on flawless execution, we become more willing to take risks and learn from our mistakes. This resilience builds confidence and encourages innovation, as we are not paralyzed by the fear of failure.

In our professional lives, the emphasis on presence over perfection can lead to greater creativity and productivity. When we let go of the need for everything to be perfect, we allow ourselves the freedom to explore new ideas and approaches. This can result in more dynamic and effective solutions, ultimately benefiting our careers and the organizations we work for.

In relationships, being present enhances communication and understanding. By truly listening and engaging with those around us, we foster deeper connections and empathy. This approach enriches our interactions, leading to more meaningful and fulfilling relationships.

In the realm of self-care, being present encourages mindfulness and wellbeing. It helps us to slow down and appreciate the moment, reducing stress and increasing our overall happiness. By focusing on the present, we can better manage our mental and emotional health, leading to a more balanced and fulfilling life.

For those pursuing creative endeavors, being present allows for greater artistic expression. By embracing the process rather than fixating on the end result, we tap into our innate creativity and produce work that is both authentic and inspiring. This approach celebrates the journey and the growth that comes with it.

In education, teaching the value of presence over perfection can empower students to explore their passions without fear. It encourages a love of learning and fosters an environment where curiosity is nurtured. This perspective helps students develop a growth mindset, preparing them for lifelong success.

Ultimately, choosing to be present rather than perfect is a powerful act of self-acceptance and liberation. It allows us to live more fully, savoring the richness of life’s experiences without the burden of unrealistic expectations. By embracing this mindset, we can find peace and joy in the present moment, leading to a more fulfilling and meaningful life.

Transforming Aspirations into Reality: Steps Towards Your Dream Job

Transforming Aspirations into Reality: Steps Towards Your Dream Job
Your “job” should be something you love! Not something you settle for. 

I was speaking with a client today, who admittedly LOVES what she does, but it is not her dream job. 

Her dream job has six must haves: 

  1. She earns a six figure salary
  2. She has a flexible work schedule
  3. She works from home, but travels often
  4. She is a valued member of a great supportive team
  5. She uses her creativity daily
  6. She gets to help people
She called me today to share: Her job is usually very hectic and stressful, but this week has been remarkably quiet. She has been able to get a lot of work done, she has had the energy to work out every day after work, and she has been flexible in her schedule to get other things taken care of in he personal life.

But today she was served an ice cold reminder that this is not her dream job. 

Today, she was at a Lunch and Learn sponsored by one of her work contacts. At one point, she turned around in her seat and saw her immediate supervisor sitting at the next table over. She waived hello, her supervisor smiled. After the even ended, she turned around to greet her supervisor, but he had already left. 

This small interaction left her feeling a bit disconnected and reminded her of the lack of camaraderie she truly desires in her work environment. It wasn't just about the missed opportunity to catch up with her supervisor; it was about the realization that although her current job meets many of her needs, it doesn't fulfill her deeper aspirations.

Reflecting on this, she decided that it is time to take concrete steps towards her dream job. We began by making a list of actions she could take to move closer to her ideal career. Updating her resume and LinkedIn profile to highlight her skills and experiences that align with her dream role; and reaching out to her network to explore potential opportunities that might offer the flexibility and creativity she craves.

Additionally, we discussed ways to incorporate more of her passions into her current job. Possibly proposing a new project that allows her to use her creativity more extensively or suggesting team-building activities that could foster a greater sense of comradery.
As we discussed these possibilities, she felt a renewed sense of determination. She realized that while her current job might not be her dream come true, it was a stepping stone on her journey. 

With each thoughtful step, she was getting closer to a career that not only met her needs but also brought her genuine joy and fulfillment.

What steps are you taking to create the job of your dreams?

Financial Planning 101:

Financial Planning 101:
I have been thinking a lot about financial goals lately. Mostly, because I realized that i have a lot of work to do in that area. 

Back in early 2020, when I decided to leave my husband, I was not in the best financial shape. Then I acquired a lot of debt with the divorce that followed. Followed quickly by a sizeable pay cut when I decided to quit my job, pack up everything and move to Florida. 

I have been in Florida now for two years, and while my finances have improved, it has been a very slow process (damn finance charges!!). Now that I feel as though I am coming out of survival mode and breaking into thriving mode, I think it is time to set some financial goals that are both safe and challenging.  

Safe because I am 48 and don’t want to gamble too much with my retirement. Challenging because I want to figure out how to get the biggest bang for my buck (literally). 

When thinking about financial goals that you could set for yourself, consider these five examples:

Save for an emergency fund: Start by saving a safety net of $1,000 so you are able to stop using credit cards for emergencies.  Aim to save three to six months' worth of living expenses in a separate, easily accessible account. This fund can provide a safety net in case of unexpected events like job loss or medical emergencies.

Pay off debt: Focus on eliminating high-interest debt first, such as credit card balances. Set a timeline and specific amount to pay off each month to gradually reduce your debt burden. Use the snowball method to help pay off debt faster.

Invest for retirement: Contribute regularly to a retirement account, such as a 401(k) or IRA. Take advantage of employer matching contributions if available and consider consulting a financial advisor to determine the best investment strategy for your goals.

Save for a major purchase: Whether it's a down payment on a house, a new car, or a dream vacation, setting aside a specific amount each month can help you reach your goal without resorting to credit.

Build a diversified investment portfolio: Research different types of investments, such as stocks, bonds, mutual funds, and real estate. Diversifying your investments can help spread risk and increase the potential for returns over time.

Setting clear, achievable financial goals can pave the way to a secure and prosperous future. Remember to review and adjust your goals regularly to reflect changes in your life circumstances and financial situation.

Do you have any financial goals that you want to share?


Colleen Soper

About Me Photo