There is a phrase you have probably said to yourself this week, maybe even this morning on the way to work, when that bill you keep pushing to the back of your brain showed up again. And that phrase is "I'll figure it out." It feels harmless in the moment because it always has been, you've made it work, you've kept the lights on, you've gotten to the next paycheck. But that quiet habit of figuring it out has become a financial identity, and it is costing you thousands of dollars every single year.

In this episode I am calling you out in the most loving way I know how because I want you to understand what is really happening underneath the surface when you tell yourself you'll figure it out later. For a lot of high earners it has become a default response that lives right next to a low level of guilt and shame about the gap between what you earn and what you actually have to show for it, and when shame is running in the background, avoiding your finances feels safer than looking at the truth.

I will also walk through exactly what figuring it out is costing you in real dollars, from overdraft fees to forgotten subscriptions to the intention tax that keeps eating away at money you could be putting toward something that actually matters to you.

In this episode you'll learn...

[00:04:18] What the "I'll figure it out" identity actually looks like in real life and why it has nothing to do with you being bad at math or not making enough money

[00:08:45] How shame quietly drives financial avoidance for high earners and why not looking at your bank account feels like the safest option when you make really good money but don't have much to show for it

[00:13:20] The real dollar cost of figuring it out, from overdraft fees that add up to hundreds of dollars a year to subscriptions quietly draining three hundred dollars a month from your account in money you never meant to spend

[00:18:10] Why the figure it out mentality could actually be limiting how much money you earn, because if you don't trust yourself to manage what you already make, it becomes harder to go after the opportunities that would pay you more

[00:23:45] What it looks like to actually figure it out, not just survive to the next paycheck, but have a real system that lets you travel, pay off debt, and come back from summer knowing exactly what is in your bank account

[00:28:30] What the intention tax is and how closing the gap between what you intend to do with your money and what you actually do is where thousands of dollars are hiding in your finances right now

Tune in to this episode of Money Files to understand what the figure it out mentality is really costing you and what becomes possible when you replace it with an actual plan for your money.

Get full show notes and the episode transcript: https://wealthovernow.com/if-youve-ever-said-ill-figure-it-out-about-your-finances-this-episode-is-for-you/

Links mentioned in this episode…

Set up a call | Financial Coach Washington, DC | Wealth Over Now

Download my FREE spending plan