🍍 Rebel Finance School 2026 · Week 3
Money Mindset Makeover
Week 1 found your gap. Week 2 found your financial blue dot. Week 3 asks a different question: what stories are driving the bus?
This is not about blaming yourself, your parents, your past, your spreadsheet, or that pension login that appears to have been designed by a confused Victorian filing cabinet. This week we are putting the old money stories on trial. Not you. The stories.
Find the gap
See what comes in, what goes out, and what is left to work with.
Find the blue dot
Your net worth shows where you are. No shame, just data.
Question the story
If the old belief keeps pulling the handbrake, build a better bridge.
The key idea: the tracker is neutral. The number is neutral. Money is neutral. The story you tell about it is what changes how you feel and what you do next.
Monday: put the old stories on trial
We look at the beliefs that can quietly block progress, then build a bridge to something more useful.
You are not in the dock. The old story is.
Rewrite your money story and align your life.
⚡ Too Long; Didn’t Read
Week 3 in one calm, useful snapshot
This week is about the stories you tell yourself about money, and whether your inner world is lined up behind the life you say you want. Monday helps you spot and cross-examine the old story. Thursday helps you line up your vision, identity, values, beliefs, skills, behaviours and environment so change becomes easier.
Put the old story on trial
Money training starts early. You inherited beliefs, phrases and stories before you were old enough to question them. Monday is about noticing those old stories, asking what they cost you, and building a more useful bridge belief.
Get congruent, aligned and moving
A new belief needs support. Thursday is about checking whether your goal, identity, values, beliefs, skills, behaviours and environment are rowing in the same direction. When those levels line up, progress takes less wrestling.
Money training starts early
You did not choose every money seed you were handed. Some came from family, school, work, culture, adverts and old experiences. This week you get to choose what to keep.
The tracker is neutral
The number is not judging you. The spreadsheet is not disappointed. It is just data. The story you tell about the data is what creates the wobble.
The belief is on trial
You are not in the dock. The old story is. We are not asking if the story feels familiar. We are asking if it still deserves to run your financial life.
Don’t jump, build the bridge
You do not need to leap from “I’m bad with money” to “I am a financial genius.” Build a believable bridge to the next useful thought.
Repair the relationship
Writing a letter to money may feel odd. Do it anyway. Dear Money can reveal the old stories, resentment, fear and hope that have been quietly steering the ship.
Alignment creates momentum
If your goal says “freedom” but your identity says “I’m bad with money,” you are fighting yourself. Thursday is about finding the mismatch and lining things up.
The 7 Levels of Alignment
Most people try to force behaviour change first. Hold your horses. If your identity, values and beliefs are fighting the goal, behaviour change becomes a slog. Line up the deeper levels and the next tiny step becomes much easier.
If you only do one thing this week
The next time you feel frustrated, annoyed, despondent, overwhelmed, or like giving up, pause and ask yourself: what do I have to believe to feel this way?
That question helps uncover the belief or story that is running the show in that moment. Step one is awareness. Once you can see the story, you get to decide whether you still want that story driving the bus.
From there, build one bridge belief and choose one tiny action that votes for it. Your gap is the fuel. The map tells you what to do next. Your belief decides whether you actually take the step.
Start here this week
This is the quick-start version. We will walk through the full Freedom Work properly further down the page.
🧭 Do I need this week?
Yes, if any of this sounds familiar
Quick check. No judgement. No homework police. Just notice what applies.
▶️ Watch the sessions
Watch Week 3 from here
Start with Monday to uncover the old story. Come back for Thursday to line everything up behind the change.
Monday session
Money Mindset Makeover
Put the old money stories on trial, build a bridge belief, and choose one tiny action that votes for the new case.
Open Monday on YouTubeThursday practical
Rewrite Your Money Story & Align Your Life
Check your goal, identity, values, beliefs, skills, behaviours and environment so your next step has support.
Open Thursday on YouTubeWatching on catch-up? Do Monday first. Then use Thursday to check where you are aligned, where you are fighting yourself, and what tiny next step will help.
🛠️ Freedom Work
One story. One bridge. One tiny action.
Keep this simple. Pick one money story that has been getting in the way, build a bridge belief, then choose one action that votes for it.
Choose one old story
Not ten. Not your entire financial history. One.
Build the bridge
Write a letter to money
Start with “Dear Money…” and write what is actually there.
Open letter starters
Write the abridged version
This is the short version you can actually remember when the old story pops up again.
I used to tell myself: ________________________
A more useful bridge belief is: ________________________
This week I am voting for that belief by: ________________________
Preview Thursday
Once you have a bridge belief, ask whether your life is set up to support it.
Thursday goes deeper
We will use the 7 Levels of Alignment to find where you are congruent, where you are fighting yourself, and what to adjust next.
Want help with the belief bridge?
Use AI to uncover the story, build a bridge belief, turn your letter to money into insights, or check where you are misaligned.
🔗 Tools and resources
Helpful rabbit holes for Week 3
Start with the Freedom Work. Use these resources when you want extra help uncovering the story, building the bridge, or understanding your relationship with money.
Week 3 AI prompts
Use AI to uncover the story, cross-examine an old belief, build a bridge belief, write your letter to money, or check your 7 Levels of Alignment.
Open AI promptsYour relationship with money
A perfect companion for the Dear Money exercise. Useful if money feels loaded, stressful, complicated, or weirdly personal.
Read the articleRFS methodology
See how Week 3 fits into the full Rebel Finance School path: gap, blue dot, beliefs, debt, investing, and financial freedom.
See the methodologyDeepen the money belief work
Tiny reminder: do not use resources as a sneaky way to procrastinate. Pick one thing, use it, and take the next tiny step. Done is better than perfect.
🧠 Core concepts
The Week 3 map
Use this as a quick reference when the old story pops up. No need to memorise everything. Just spot the pattern and take the next tiny step.
The thing is not usually the problem
The tracker, pension login, debt number or spreadsheet may trigger the wobble. The story you tell about the thing is what gives the wobble meaning.
The Week 3 question
When you feel the wobble, pause and ask: what do I have to believe to feel this way?
1 The trigger is not the story The trigger starts the wobble. The story gives it meaning.
The tracker is just numbers on a page. The spreadsheet does not say you are behind. The pension login does not say you are bad with money. Your brain adds the meaning.
Useful question: what story did my brain add to this moment?
2 Beliefs feel like facts Once a story has been repeated enough, it can start to feel like reality.
A belief is a story you have heard, repeated, and collected evidence for. That does not make you wrong or broken. It makes you human.
Useful question: where did I learn this story?
3 Evidence needs checking Some evidence is real. Some is old. Some was handed to you. Some was invented by the old story.
- ✓Real: maybe debt exists or you did start later than you wanted.
- ✓Old: a comment from years ago may still be running the meeting.
- ✓Inherited: family, school, media and culture hand people money stories.
- ✓Invented: the brain can fill in gaps to protect the old belief.
4 The belief goes on trial, not you You are not in the dock. The old story is.
The question is not “am I bad?” The question is “does this belief still deserve to run my financial life?”
Useful verdict: the old story may explain why I feel this way, but it does not get to decide what I do next.
5 Bridge beliefs beat giant leaps You do not need a fake affirmation. You need the next believable step.
“I am a financial genius” might be too far. “I am learning how to handle money better” may be believable enough to start.
Useful question: what belief would help me take one small action this week?
6 Every action is a vote Small actions become evidence for the new story.
Opening the tracker, asking one question, finding one pension login, listing one debt, or writing one letter to money can all vote for the new belief.
Tiny vote: choose one action small enough that you can do it even if you feel a bit wobbly.
Core teaching
It isn’t the thing. It’s the meaning.
Before we talk about changing beliefs, we need to notice something simpler: the same situation can feel completely different depending on the meaning we give it.
When I quit my corporate job, I thought a lot of my problems would disappear.
I knew, logically, that leaving work would not magically fix everything. But somewhere inside me, I still thought life was going to become lighter, easier and more sparkly. I had left the office. I had escaped the commute. I had created freedom. Surely this was the point where I would wake up feeling peaceful, calm and endlessly delighted with life.
But then something annoying happened.
I was still me.
My circumstances had changed, but I had brought my old thinking with me. I still had a to-do list. I still had projects. I still had things I wanted to create. And instead of seeing the list as a collection of exciting things I had chosen, I often saw it as pressure.
I would look at the list and think: “Look at how much I have to do. When am I ever going to get all this done? I am letting people down. I am not allowed to relax until I have finished everything.”
Alan could look at the same list and have a completely different experience. He would see fun projects, creative work, videos to make, courses to build, adventures to plan, and a life we had deliberately chosen. Same list. Same day. Same life.
This is not about pretending everything is easy. It is not about forcing yourself to be positive. It is about noticing that there is a gap between the thing that happens and the meaning we attach to it.
The thing
A to-do list. A tracker. A pension login. A debt number. A bank balance. A spreadsheet.
The meaning
“I am behind.” “I am failing.” “I should have done this years ago.” “I cannot do this.” “I am not good with money.”
Money works the same way.
The tracker is just showing numbers. The pension login is just a login. The debt number is just information. But if the meaning attached to those things is “I am hopeless,” “it is too late,” or “I am bad with money,” then of course the whole thing feels heavy.
And when something feels heavy, the natural human response is to avoid it, delay it, distract yourself, or quietly hope it goes away.
This is why Week 3 matters. Not because mindset is fluffy. Not because we want you to sit in a circle and chant at your bank card. Because the meaning you attach to money affects what you do next.
If the meaning is “I am doomed,” you might close the tracker. If the meaning is “this is useful information,” you might take the next tiny step.
We are starting here because awareness comes first. Before we change a belief, we need to spot that a belief is there.
The question to practise
The next time money makes you feel frustrated, annoyed, despondent, overwhelmed, defensive, resistant, or like giving up, pause and ask:
What do I have to believe to feel this way?That question is not there to judge you. It is there to help you see what meaning your brain has attached to the moment. No shame, just data.
Core teaching
Where did the meaning come from?
If money has meaning attached to it, the next question is obvious: where did that meaning come from?
Most of us did not sit down one day with a cup of tea, a notebook and a tiny financial philosophy hat and consciously choose what we wanted to believe about money.
We absorbed it.
We heard things at home. We watched how people behaved around bills, debt, work, spending, saving and arguments. We noticed who had money, who did not, who talked about it, who avoided it, who judged it, who chased it, and who seemed terrified of it.
Then school added a bit. Friends added a bit. Work added a bit. The media added a lot. Adverts, banks, films, songs, newspapers, social media and society’s default life plan all added little meanings over time.
Eventually those meanings can start to feel like facts.
If your family said “money does not grow on trees” every time you asked for something, you may have learned that money is scarce. If adults argued about money, you may have learned that money creates conflict. If people around you said rich people are greedy, you may have learned that wanting money makes you bad.
None of this means your family was wrong, bad or trying to damage you. Most people pass on the money stories they inherited. They are doing their best with the programming they received.
This is where Week 3 gets powerful. We are not looking for someone to blame. We are looking for the story. Because once you can see the story, you can ask whether it is helping you create the life you want.
This does not mean every old story is useless. Some old money lessons are wise. Some are protective. Some helped you survive. Some helped your family get through difficult times.
But some stories are out of date. Some were built for a different life, a different economy, a different family situation, or a different version of you.
The point is not to reject everything. The point is to stop blindly repeating it.
Quick practice
Pick one money phrase, belief or reaction you recognise in yourself and ask:
Core teaching
Beliefs feel like facts
Once a meaning has been repeated enough times, it can stop feeling like a story and start feeling like reality.
This is why money beliefs can be so powerful. They do not usually introduce themselves politely as “Hello, I am a belief. Please inspect me carefully before using me to make major life decisions.”
They arrive sounding like truth.
“I am bad with money.” “It takes money to make money.” “The rich get richer and the poor get poorer.” “I have left it too late.” “People like me do not become wealthy.”
When you say something like that, it may not feel like an opinion. It may feel obvious. It may feel like common sense. It may feel like you are simply describing reality.
But a belief is not the same as a fact. A belief is a story that your brain has accepted as true enough to act on.
This is not because your brain is stupid. Your brain is trying to help. It wants to make sense of the world quickly. It wants to protect you. It wants to avoid pain. It wants to keep you consistent with what you have already learned.
So if you believe “I am bad with money,” your brain will start collecting evidence for that belief. Forgot to cancel a subscription? Evidence. Bought something on impulse? Evidence. Avoided the pension login? Evidence. Did not understand a spreadsheet formula? More evidence for the prosecution.
Meanwhile, your brain may ignore the evidence on the other side.
You joined Rebel Finance School. You opened the notes. You watched the sessions. You are learning words you did not know before. You are looking at your gap, your blue dot, your spending, your future. That is evidence too.
But if the old story is loud, it may dismiss all of that and say, “Yes, but that does not count.”
Fact
Something observable. “I have not tracked my spending before.”
Meaning
The interpretation. “This means I am bad with money.”
Conclusion
The action or non-action. “So there is no point trying.”
This is the bit we are interested in. Not to shame you. Not to tell you your feelings are wrong. But to separate what happened from what your brain made it mean.
Sometimes there is truth in the old belief. Maybe you did start later than you wanted. Maybe you do have debt. Maybe you did avoid money for years. We do not need to pretend that evidence does not exist.
But acknowledging some truth is not the same as letting the belief run your life.
The old story might explain why you feel stuck. It does not get to decide whether you stay stuck.
Quick practice
Pick one money belief that feels true and split it into three parts:
Core teaching
Put the belief on trial
Once you can see the story, the next step is not to attack yourself. The next step is to inspect the belief.
This is where the courtroom idea comes in.
We are not putting you on trial. We are not saying you are wrong, broken, silly, lazy, behind, hopeless or bad with money. That would be useless. It would also be very boring court television.
We are putting the belief on trial.
Some evidence may be real. Maybe you do have debt. Maybe you did avoid money. Maybe investing does feel confusing. Maybe you wish you had started earlier.
We are not pretending none of that happened. We are not putting a glitter sticker over reality and calling it transformation. But there is a difference between “some of this is true” and “therefore I should give up.”
Not you. The story.
If you feel on trial, you defend. If the story is on trial, you can get curious.
Old case, old verdict.
If you keep arguing for the old story, the old result keeps winning.
A better case.
This is not fake positivity. It is a more complete, more useful case.
1. What is the evidence?
What makes this belief feel true? Keep it short. This is not a 14-page defence of the old story.
2. What is the hidden verdict?
Watch for the sneaky ending: “therefore there is no point trying.” That is usually the bit causing trouble.
3. Does it help?
Even if part of the story is true, does believing it help you take the next tiny step?
A better case includes the evidence that you have struggled and the evidence that you are learning. It includes the fact that you may have avoided money and the fact that you are here now doing something about it.
The old story is usually not totally made up. It is usually incomplete. The work is to cross-examine the story, find what is missing, and build a case that helps you move.
This is the key move. Most old money stories contain a tiny bit of truth. Having money does help. Starting earlier would have helped. Debt can be stressful. Investing can feel confusing. We do not need to pretend any of that is untrue.
But the old story often sneaks in an extra verdict: “therefore give up,” “therefore don’t look,” “therefore this will not work for me,” or “therefore I am bad with money.” That hidden verdict is what we are cross-examining.
1. Name the charge
What is the belief accusing you of? “I’m bad with money.” “It’s too late.” “People like me don’t get ahead.”
2. Hear the evidence
What makes this belief feel true? Keep it short. We are not writing a 14-page defence for the old story.
3. Check the evidence
Is the evidence real, old, inherited, exaggerated, or invented by a panicking brain wearing a legal wig?
4. Spot the verdict
What is the belief trying to make you do or avoid? Close the tracker? Avoid the pension? Stop asking questions?
5. Ask the real question
Has this belief proved you should give up, or has it only proved that you need support, learning and one tiny next step?
6. Give a fairer verdict
Not fake positivity. A fuller truth. “I avoided money because it felt confusing, but I am learning now.”
Quick practice
Pick one belief and ask:
🍍🥷 Stuck? Use this.
The prompt for when you can’t get yourself to do the thing
Sometimes the problem is not laziness. Sometimes your inner system is arguing with itself. This prompt helps you work out whether you are blocked by Direction, Self-Story, or Execution, then choose one tiny Donegan-style next step.
Use this when you know there is something you could do, should do, or want to do, but you keep avoiding it, delaying it, overthinking it, or quietly wandering off to reorganise the biscuit cupboard. The Ninjas are not here to judge. The pineapple is not judging either.
Perfect for the “why am I still not doing this?” moment
Paste the prompt into your AI tool. It will ask one question at a time, help you find the real blockage, and turn the wobble into a tiny next action.
Open the full stuck prompt Copy this into your AI tool when you are avoiding Freedom Work, a money task, a login, a spreadsheet, a conversation, a decision, or any next step that keeps mysteriously slipping into tomorrow. Open prompt Close prompt
Act as a kind, practical Rebel Finance School thinking partner.
I am working through Rebel Finance School and I want help using the Inner Alignment System to understand why I am not taking action.
The Inner Alignment System says that results are created by the way these parts work together:
1. Direction
- Goal / Vision: what I actually want
- Values: what matters enough to guide my choices
2. Self-Story
- Identity: the stories I hold about who I am
- Beliefs: the stories I hold about money, myself, investing, debt, success, safety, time or what is possible
3. Execution
- Skills: what I need to learn
- Behaviours: what I repeatedly do or avoid doing
- Environment / Support: what around me makes the action easier or harder, including tools, systems, people, reminders, community and practical support
My aim is not to fix everything at once.
My aim is to:
- find the part of the system most blocking me
- see any blind spots or incongruence kindly
- loosen one thing
- choose one tiny Donegan-style next step
Please interview me one question at a time.
Do not give me a big answer immediately.
Ask one question, wait for my answer, then ask the next question.
Start by asking me what action, goal or Freedom Work I am avoiding or struggling with.
Then ask enough questions to work out whether I am mainly blocked in:
1. Direction
Examples:
- my goal is vague
- I am acting from “should” rather than genuine desire
- I do not know why this matters
- my stated values and daily actions are not lined up
- I am optimising for comfort, avoidance, approval, dopamine or short-term relief instead of what I say matters
2. Self-Story
Examples:
- I keep saying “I am bad with money”
- I keep saying “I am not techy”
- I keep saying “It is too late for me”
- I hold a fixed identity that argues with my goal
- I have a belief that makes the action feel unsafe, pointless, embarrassing, overwhelming or impossible
3. Execution
Examples:
- I do not know how to do the next step
- the action is too big
- I cannot find the login, statement, spreadsheet, password or tool
- my environment makes the action harder
- I am trying to do it alone
- I need support, a checklist, a walkthrough, a calendar block or a smaller first step
As you interview me, listen for:
- “I should…” language
- fixed identity statements beginning with “I am…”
- fear creating the behaviour that creates the result I fear
- places where my actions do not match my stated goals or values
- places where I am trying to solve a Direction or Self-Story problem with behaviour-level force
- places where I simply need a skill, tool, support or smaller step
When you have enough information, please summarise:
1. The action or goal I am struggling with
2. The most likely blockage area:
- Direction
- Self-Story
- Execution
3. The blind spot or incongruence you notice
4. The old story or pattern that may be running
5. A kinder and more useful bridge belief
6. One way to loosen the blockage
7. One tiny next step I can do in 10 minutes or less
8. One support or environment change that would make the step easier
Use warm, practical Rebel Finance School language.
Do not shame me.
Do not overwhelm me.
Do not give regulated financial advice.
Do not tell me what investment, pension, tax or legal decision to make.
Help me think clearly and take one small action.
At the end, give me a short Donegan plan in this format:
My blockage seems to be:
[Direction / Self-Story / Execution]
The old pattern is:
[...]
The bridge belief is:
[...]
The value I choose to act from is:
[...]
My tiny next step is:
[...]
I will make it easier by:
[...]
I will do it:
[when / where / for how long]
Useful Rebel Finance School links:
- Course notes / Mission Control: https://rebeldonegans.com/finance/rfs/course-notes/
- AI Prompt Library: https://rebeldonegans.com/finance/rfs/course-notes/ai-prompts/
- Transcript Library: https://rebeldonegans.com/finance/rfs/course-notes/transcripts/
Now begin by asking me one question only:
“What action, goal or Freedom Work are you avoiding or struggling with?”🔢It’s not just about the numbers
Katie here…. you know me, I LOVE spreadsheets and numbers and the geeky tactics for how to get to financial independence. But these won’t get you anywhere if you have disempowering beliefs around money.
For example, if you believe you don’t deserve to be wealthy (this was one of mine), you never will be because you won’t try or if you do accumulate some wealth you will subconsciously do what you can to get rid of it! Looking at your beliefs and identity around money and wealth is SO important. It was the main obstacle I had to overcome to get to financial independence. We would have got there quicker if I’d dealt with this earlier.
📏Alignment levels..
..are our way of exploring what makes us tick. It shows us where there is potential conflict between your goals and other areas.
The purpose of this model is to allow you to think about where you are stuck and get unstuck. The levels are:
- 🎯 Goal / Vision – What are you aiming for?
Your vision is your North Star. If it doesn’t excite you, it won’t inspire action. Get clear, get bold, and dream big. - 🧠 Identity – Who are you becoming?
Identity is made of “I am…” statements. Are you saying “I’m bad with money” or “I’m learning to master my finances”? You get to choose. - 💖 Values – What truly matters to you?
Your values direct your energy, focus, and decisions every single day. When your money habits reflect your values, everything clicks. - 💬 Beliefs – What stories are you telling yourself?
Beliefs feel like facts—but they’re just thoughts you’ve repeated. Are they empowering you or holding you back? - 🛠️ Skills / Capabilities – Do you have the tools you need?
You don’t need to know everything—just the next thing. Skills can be learned. Confidence is built through action. - 🔁 Behaviours – Are your actions aligned with your goals?
You can’t say you want financial freedom and spend like there’s no tomorrow. Habits matter. Consistency compounds. - 🌍 Environment – What’s around you?
Your physical and social environment either supports your growth or sabotages it. Curate it like your future depends on it—because it does.
🏚️Mis-alignment or incongruence
This is where some of these different levels don’t match and cause internal conflict. The simple way to look, is to see someone’s goal and then see if they believe it is possible for them. This is classic mis-alignment. The person wants to sort out their finances but doesn’t believe it is possible for them, they want to build a business but don’t believe they have a chance.
This kind of misalignment causes huge pain because you want the goal but self-sabotage and procrastinate because you don’t believe it is possible. We either need to shift the belief or the goal.
This week we started with an example of mis-alignment in the personal finance world. Imagine you knew the person described in the image below. What do you think their chances are of sorting out their finances?
If you have a goal of having great finances, but believe you aren’t good with numbers, we have some challenges coming up!
If you believe that the rich get richer and the poor get poorer, you don’t believe you have the skills to do it and you would rather not look at your finances because it is too painful you are never going to achieve your goal.
We actually need to find alignment between your goals, identity, values etc. for you to be able to make progress. Let’s look at each of these areas individually.
🧠 Identity – The Story You Tell Yourself
Your identity is a set of beliefs you hold about yourself. They usually start with:
👉 “I am…”
- “I am bad with money.” 😬
- “I am not a businessperson.” 🧑💼❌
- “I am just not good at this stuff.” 🤷♂️
These aren’t facts—they’re just stories. And the most powerful thing? You can rewrite them.
Try asking yourself: “Who am I?” What comes up?
When I (Alan) asked myself that years ago, I used to say things like:
- “I am shy.”
- “I am fat.”
- “I have no chance of being successful.”
Those identities held me back. They made progress feel impossible. But over time, I changed the story to:
- “I am focused.” 🎯
- “I am strong.” 💪
- “I can learn anything.” 📚
- “I am a Marvel fan.” 🦸♂️ (still true!)
⚔️ Identity vs. Dream – The Inner Conflict
If your identity conflicts with your goals, you’ll constantly feel stuck. This is how people end up in purgatory for years on end.
- “I want to run a business… but I’m not a businessperson.”
- “I want to be healthy… but I’m a cake eater”
- “I want to be financially independent… but I’m bad with money.”
When your identity and your dream don’t match, your actions will always pull you back to who you believe you are. That’s why change feels hard—it’s not your behaviour, it’s your identity. Everyone tries to start change at the behaviour level but this is not the level that is keeping you stuck.
🧱 Identity Is Not Set in Stone
People often say:
- “I’m bad at money.”
- “I’m terrible with tech.”
- “I’m just not good at maths.”
But these are not permanent truths. They’re just beliefs you’ve practiced.
Identity is not fixed. It’s flexible. It’s buildable.
The Alan you see in the videos? He’s not the same guy who got bullied at school, struggled to find a job, and felt lost at 21. That version of me struggled for years and was shaped by pain. It wasn’t until a friend handed me a self-development book and said, “You need this.”
He was right. That book helped me realise:
👉 I can set goals.
👉 I can change my beliefs.
👉 I can choose who I want to be.
That one book that Matt gave me changed the course of my life. As I read the words, soaked up the ideas I started to see a new world of possibility. I realised that who I was up until that point had mainly been shaped by the people around me (family, teachers, school, television) and I had not chosen who I wanted to be.
✨ You Can Choose Your Identity
You don’t have to accept the old version of you. You can craft a new identity—one that supports your dreams.
So ask yourself:
- Who do I want to be?
- What would that version of me do today?
Then start showing up as that person—one decision at a time. 🚶♀️➡️🏃♂️➡️🚀
🔄 5 Ways to Change Your Identity (and Make It Stick)
- 🗳️ Vote for the New You with Action
Every time you take a small action aligned with your new identity, you cast a vote for it.- Want to be a saver? Put £10 into your savings. Look at something you would have bought and say “NO!” then put the money into savings.
- Want to be fit? Go for a 10-minute walk. Do 10 air squats. Do 5 push-ups
- Tiny actions = identity reinforcement.
- 🧠 Rewrite Your “I Am” Statements
Ditch the old script. Write new, empowering identity statements and repeat them daily.- “I am learning to manage money.”
- “I am someone who follows through.”
- “I am building a wealthy future.”
- 📓 Journal the New You into Existence
Use journaling to explore and reinforce your new identity.- Prompt: “The version of me who is financially free would…”
- Reflect on how you showed up today and how you’ll show up tomorrow.
- 👥 Surround Yourself with Identity Reinforcers
Your environment shapes your identity.- Spend time with people who reflect the identity you want.
- Follow creators, read books, and listen to podcasts that support your growth.
- 🎯 Act “As If” Today
Don’t wait to feel ready—act like the person you want to become now.- Ask: “What would a confident money manager do in this situation?”
- Then do that. Even if it feels weird. Especially if it feels weird.
The first action is to what your new identity will be. Does a healthy person exercise every day, choose vegetables over cake 80% of the time, take vitamins in the morning? Choose and then start to do those things that show yourself you are a healthy person and create your new identity. After a while of doing it you have the proof you need to start believing it!
Maybe every time you go to a café, or the supermarket you ask “What would a healthy person buy?” and then you start to act in accordance with your new identity. Pretty soon you won’t have to ask, you will just be doing what a healthy person does, you will be a healthy person.
After a while of taking the action that a healthy person does, your body will start to change, your energy will improve, and you will start to feel like a healthy person. The more you do this the more positive feedback you get, the more you vote for the new identity the faster it happens.
If you want to believe that you are “good with money” start voting for that identity with actions. Start categorising your spending, working out where the money goes and come on Rebel Finance School every week. If you do that you might actually start to believe you are good with money, shifting your identity.
The key question to ask here is, “Who do I need to become to achieve my goals?” Find the answer to this and then start to vote for the fact that you can be that person.
💖 Values – What Are You Optimising For?
Your values are your internal compass. They’re the things you believe are most important in life—and they guide your decisions every single day.
For some people, it’s:
- 👨👩👧 Family
- 🧘♀️ Health
- 💸 Money
- 🗽 Freedom
- ⚡️ Convenience
Whatever you value most will shape your behaviour—even when you’re not consciously thinking about it.
🧭 Your Values Drive Your Daily Choices
If you value family over health, you might constantly put others first and neglect your own wellbeing.
If you value money over time, you might work late instead of going home to your kids.
If you value convenience over health, you’ll probably reach for the takeaway instead of cooking.
💬 One participant once said:
“I want to be healthier… but convenience food is just so convenient.”
We get it. But here’s the thing: You’re always optimising for something.
The Donegans? We optimise for health over convenience—even when it’s hard.
📍 Real-life example:
After a long day working on the course, we were walking home and asked,
“Shall we grab burgers or cook at home?” 🍔🥦
The easy choice? Burgers.
The aligned choice? A quick stop at the supermarket for veggies and eggs, then cooking together at home.
Why? Because our values are health, money, and long-term freedom—not just ease.
🔍 Ask Yourself: What Are You Optimising For?
- 🥗 or 🍕 Health or convenience?
- 💰 or 🛋️ Money or comfort?
- 🚀 or 😌 Your dream life or an easy life?
There’s no right or wrong—just different outcomes.
But problems start when your goal is one thing (e.g. health), but your values are something else (e.g. convenience).
That’s when your behaviour doesn’t match your dream—and you feel stuck.
✅ Own Your Values, Own Your Results
Whatever you’re optimising for—own it.
If convenience is your top value, that’s okay! Just know your results will reflect that.
Because here’s the truth:
👉 Your behaviours are a mirror of your values.
And those behaviours, repeated daily, are building your future.
💸 Where Is Money on Your Values List?
I (Alan) had a massive wake-up call in my twenties during a personal development course. The trainer asked us to do a values exercise—write down what mattered most to us, rank it, reflect on it. I spent over an hour journaling, thinking deeply, crafting my list.
Then the trainer walked over, looked at my list, and asked:
“Where’s money?”
I scanned the list. Family? ✅
Health? ✅
Creativity? ✅
But money? Nowhere. ❌
He looked me straight in the eye and said:
“If money isn’t important to you… that might explain why you don’t have any.” 💥
It hit me like a tonne of bricks.
Not only was money not on my list—I had actually linked pain to it.
After everything that happened with my dad, I’d subconsciously decided that money was bad. Dangerous. Stressful. Something to avoid.
So of course it wasn’t sticking around in my life.
I wasn’t just ignoring money—I was repelling it.
🧭 What You Value, You Attract
We’re not saying money should be your #1 value. It’s not ours either.
We value health, happiness, and family above money.
But money is on our list—because it enables the life we want to live.
- It gives us freedom.
- It gives us time together.
- It lets us travel, invest, and run this course for free for 20,000+ people around the world. 🌍
🔍 So… Where’s Money on Your List?
- Is wealth something you value?
- Is investing important to you?
- Or is money something you’ve been avoiding, resenting, or ignoring?
Because here’s the truth:
👉 If money isn’t important to you, it probably won’t stick around.
👉 If you don’t value it, you won’t attract it, grow it, or keep it.
And that’s okay—if you’re happy with the results.
But if you’re not, it might be time to shift what you’re optimising for.
💶Top 6 money beliefs 2025
Before the course we asked you to do a belief survey. Over 5000 people have now filled it in and these are the top 6 held beliefs within our group.
I want you to imagine for a second you held all 6 of these beliefs. How likely are you to succeed with money? How likely are you to get your finances in order and make progress?
Your beliefs directly affect what is possible for you and therefore the action you are likely to take on a daily basis. If I was able to download a list of your core beliefs I could predict with some level of accuracy your results over the coming years.
🧠 The 6 Most Common Money Beliefs (Before Rebel Finance School)
Before joining the course, these were the top beliefs held by our community:
- 💸 It takes money to make money
- 🏦 The rich get richer, the poor get poorer
- 🚫 Realistically, I’ll never be wealthy
- ⛔ Money is a limited resource
- 😩 Getting rich takes too much work or struggle
- 🙃 Money can’t buy you happiness
These beliefs are everywhere—passed down by parents, echoed on TV, and repeated to our kids. They sound like wisdom, but they’re actually myths that quietly sabotage your financial future.
🧱 Beliefs That Build Walls, Not Wealth
Here’s the hidden message behind most of these beliefs:
👉 “It’s not worth trying.”
- If it takes money to make money—and you don’t have any—why bother?
- If you’ll never be wealthy, why even try to change your situation?
- If money is limited, then there’s not enough for you.
These beliefs don’t just limit your bank balance—they drain your motivation, your mojo, and your momentum.
⚠️ Are You Arguing for Your Limitations?
We’ve had so many people come to us and passionately defend these beliefs:
“But Alan, the rich do get richer! It’s just how the world works!”
And maybe they’re right. But here’s the real question:
👉 Does that belief help you?
👉 Does it move you forward or hold you back?
We’re not here to debate what’s “true.”
We’re here to help you build a life you love.
And that starts with choosing beliefs that empower you—not ones that keep you stuck.
🧱 Are You Arguing for Your Limitations?
Sometimes people come to us and say things like:
“It’s too late for me to get on top of my finances.”
“I’ve missed my chance.”
“There’s no point trying now.”
And we always wonder…
👉 Are you looking for us to agree with you?
👉 Do you want permission to give up?
Because when we gently challenge those beliefs, people often push back.
They defend the very thing that’s holding them back.
But here’s the truth we’ve learned:
You get to keep the limitations you fight for. 🥊
If you want to convince us it’s too late for you, go ahead.
But we won’t believe it.
Because we’ve seen people of all ages turn things around—sometimes faster than they ever imagined.
🔄 You Have a Choice
You can keep the belief that it’s too late.
You can hold onto the story that nothing will work for you.
But ask yourself this:
Would you rather be right… or would you rather have a chance at change? 💡
Because you can’t have both.
Let go of the old belief.
Open the door to possibility.
And give yourself the chance to build something better—starting today.
You get to choose your beliefs! Why not choose empowering ones? Your mission is to uncover the beliefs you have about money, possibility, your chances and then work to change them to more positive beliefs.
Take some time to uncover your beliefs, look at them, discuss them with people you love and start to understand how they have affected your decision making over the years.
Below is the home work; we have different ways for you to uncover your beliefs and start to examine them.
💥 “It Takes Money to Make Money” – Or Does It?
During the course, one belief kept popping up again and again:
“It takes money to make money.” 💸
Even after we’d explored the idea that you get to keep the limitations you fight for, we still got a flood of messages saying:
“No, seriously—it ABSOLUTELY takes money to make money!”
This belief is strong. It feels like truth. It sounds like common sense.
But here’s the thing:
👉 Just because a belief is popular doesn’t mean it’s helpful.
The intensity of this belief inspired me (Alan) to dig deeper. I wanted to help you break free from it—because if you believe you need money before you can start, you’ll never start.
So I wrote an article just for you.
To show you how people have built wealth from nothing.
To prove that resourcefulness beats resources.
To help you take action—no matter where you’re starting from.
📖 If this belief is holding you back, please stop what you’re doing and read this article now.
It might just change everything.
🛠️ Skills – Are You Equipped for the Life You Want?
Let’s be real:
None of us are born knowing how to manage money, run a business, or cook healthy meals.
Skills are learned. And the good news?
👉 You can learn anything—given time, space, and intention.
The real question is:
Do you have the skills to support your goals?
If not—are you actively building them?
🎯 Match Your Skills to Your Vision
- 💼 Want to start a business? Learn sales, marketing, and negotiation.
- 🥗 Want to improve your health? Learn cooking, nutrition, and habit-building.
- 💰 Want financial freedom? Learn how to manage your gap, increase your income, and invest the difference.
You don’t need to master everything overnight.
You just need to start building the skills that align with your dream.
🔄 Upgrade Your Identity Through Skill-Building
One of the most powerful questions you can ask yourself is:
“Who do I have to become to achieve this goal?”
That question unlocks everything.
- Want a comfortable retirement?
Become someone who’s confident with money, understands investing, and takes charge of their financial future. - Want to build wealth?
Become someone who tracks their spending, learns about assets, and makes smart money moves.
Once you know who you need to become, you can start building the skills, habits, and identity to support that version of you.
🚀 Give Yourself the Gift of Growth
You don’t need to be perfect. You just need to be willing to learn. So give yourself a little time, a little space, and a whole lot of grace—and start building the skills that will carry you toward your vision.
🔁 Behaviours – Why Willpower Isn’t Enough
This is where most people try to create change:
- “I want to get fit!” → Start a 30-day challenge. 🏋️
- “I want to write a book!” → Set a 6am writing goal. ✍️
- “I want to fix my finances!” → Try to stop spending completely. 💸
They go straight to behaviour change—powered by nothing but willpower.
And guess what?
👉 Willpower runs out.
If your actions aren’t backed by a solid foundation of identity, values, and beliefs, then behaviour change becomes a battle.
And eventually… you lose.
🧠 Change Starts Above the Behaviour Level
Trying to force yourself to eat salad every day when you still value convenience over health?
That’s a recipe for burnout. 🥗🔥
But when you shift your:
- Identity – “I am someone who prioritises health.”
- Values – “I value long-term wellbeing over short-term ease.”
- Beliefs – “Healthy food fuels my best life.”
…then the behaviour (like cooking at home) becomes natural.
It flows from who you are—not just what you’re trying to force.
🧭 Don’t Start at the Bottom
Most people start with behaviour.
But real, lasting change starts with alignment.
- Align your identity with your goal.
- Align your values with your vision.
- Align your beliefs with what’s possible.
Then—and only then—choose the behaviours that support that alignment.
You’ll still need to take action. But it won’t feel like torture. It’ll feel like momentum. 🚀
✨ Step Out of Willpower Purgatory
Stop white-knuckling your way through change.
Start building from the inside out.
Because when your behaviours are aligned with your inner world,
👉 change becomes easier, faster, and way more fun.
🔁 No Going Back – This Is Forever
Let’s talk about one of the biggest traps in personal change:
👉 The “I’ve made it, now I can stop” mindset.
Think about dieting.
People go all-in, lose the weight, hit their goal… and then stop.
They go back to their old habits—and surprise! The weight comes back.
That’s yo-yo behaviour. 🎢
The same thing happens with money.
You track your spending, build a budget, start saving… and then stop.
And slowly, things unravel.
Here’s the truth:
This isn’t a phase. It’s a lifestyle. 💡
Katie and I still track our expenses and net-worth every single month—six years after hitting financial independence.
Why? Because these behaviours are what got us there—and they’re what keep us there.
🧱 Build Habits That Last a Lifetime
This isn’t about being perfect.
It’s about building systems and behaviours that support your vision—for life.
- You don’t stop brushing your teeth once they’re clean. 🪥
- You don’t stop exercising once you hit your goal weight. 🏃
- And you don’t stop managing your money once you feel “on top of it.” 💰
These behaviours compound over time.
They create stability, freedom, and peace of mind.
So don’t think of this as a sprint.
Think of it as a new way of living—one that supports the future you’re building.
🌍 Environment – The Invisible Force Behind Your Success
You might be thinking,
“Environment? Really, Alan? Why are we talking about that?”
Because your environment has massive power to either support your goals—or sabotage them. It’s the silent influencer that can make or break your progress.
Let’s look at a few real-life examples of environmental misalignment:
🚫 You want to start a business…
- You believe in your idea 💡
- You’re fired up to begin 🔥
But… - Your Wi-Fi is unreliable 📶
- Your kids interrupt constantly 🧒
- Your partner doesn’t believe in your dream and keeps telling you to “get a real job” 😤
That’s an environment working against you.
🚫 You want to get healthy…
- You’re motivated 💪
- You believe it’s possible 🥗
But… - Your partner only buys junk food 🍩
- The gym is 30 minutes away 🚗
- Your street has no lights, so you can’t run at night 🌃
Again—your environment is pulling in the opposite direction.
🚫 You want to improve your finances…
- You’re ready to take control 💰
But… - Your paperwork is a mess 📄
- You can’t find your investment passwords 🔐
- Your browser opens straight to Amazon with one-click purchases enabled 🛍️
No matter how much willpower you have, you’re swimming upstream.
✅ Set Yourself Up for Success
Environment matters. A lot. So ask yourself:
👉 How can I design my environment to support my goals and identity?
Here are some ideas:
- 📁 Set up a simple filing system for your financial documents
- 💻 Organise your computer so your spending and net-worth tracker are easy to access
- 🚫 Remove shopping apps and disable one-click purchases
- 🧾 Print your goals and stick them on the wall
- 📱 Change your phone wallpaper to: “Buy Your Freedom FIRST!”
- Print some pineapple cash and put it in your wallet or purse to remind you of your goals!
🔍 Ask Yourself: Is My Environment Helping or Hindering Me?
Take a moment to reflect:
- Is your space set up for success?
- Are the people around you supportive?
- Are your digital tools helping or distracting you?
Then ask:
What small changes could I make to create an environment that pulls me toward the life I want?
Because when your environment is aligned with your goals,
👉 progress becomes easier, faster, and more joyful.
📏True alignment
🌟 Alignment Makes Action Effortless
When you find true alignment, taking action doesn’t feel like a grind—it feels natural.
You don’t need to force it. You don’t need to rely on willpower.
👉 You just do it—because it flows from who you are.
If you:
- Want to sort out your finances 💰
- Believe it’s possible 🧠
- Value financial freedom 💖
- Have the skills to back it up 🛠️
- And your environment supports you 🌍
…then taking action becomes so much easier.
Progress feels smooth. Momentum builds. And results start to show.
📚 Now… On to the Home Freedomwork!
Let’s take what you’ve learned and put it into action. Because aligned action = powerful results. 💥
Ready? Let’s go! 🚀
🎉 Money Mindset Makeover – Week 3 Quiz
1. What is a belief?
2. Which of these is an example of identity misalignment?
3. What's the danger of holding disempowering money beliefs like “It takes money to make money”?
4. What's true about creating behaviour change?
5. Which of the following help create alignment? (Select all that apply)
6. Which are common disempowering beliefs? (Select all that apply)
🏆 Certificate of Achievement
You’ve mastered Week 3: Beliefs & Alignment!
Empowered Money Thinker
Remember: You get to choose your beliefs. Choose powerful ones. 💥
💖 Uncover Your Values – What Really Drives You?
This is one of the most powerful exercises in the course—and it’s surprisingly fun!
Your values are the invisible forces behind your decisions, habits, and behaviours.
When you know what you truly value, making choices becomes so much easier. 🎯
Here’s how to uncover yours:
📝 Step 1: Start the List
Grab a notebook or open a doc and write:
“The most important things in life to me are…”
Then just go for it!
- Family 👨👩👧
- Freedom 🗽
- Health 🥗
- Adventure 🌍
- Creativity 🎨
- Money 💰
- Security 🛡️
- Fun 🎉
- Learning 📚
Keep going until you’ve got a juicy list of 10–20 things that matter to you. Feel free to make it full sentences or paragraphs. You can write as much or as little as you like and then highlight the keywords.
⚖️ Step 2: Rank Your Values
Now the fun part: put them in order by asking:
“What’s more important to me—X or Y?”
- Freedom or Money?
- Family or Career?
- Health or Convenience?
This is where the real insight happens.
You’ll start to see what’s really driving your decisions—and where your actions might be out of sync with your values. Don’t just think about ideally who I am but what would I really do in this situation. We don’t want an aspirational list, we want to see where you really are and then you can work to shift it if you want to!
🧭 Step 3: Use Your Values to Make Decisions
Now test your list in real life!
Ask yourself:
- “What would someone with these values eat for dinner tonight?” 🥗🍕
- “Based on my values, should I watch Netflix… or watch The Donegans on YouTube?” 📺➡️📈
- “Should I spend this money… or invest it in my future?” 💸💡
Your values are your compass. Use them to guide your daily choices and you’ll feel more aligned, more confident, and more YOU.
Discussion questions
So that you have them all in one place, here are the questions we discussed during week 3’s call. You can journal about the answers, you can take them to dinner with a friend or partner or just think peacefully on a park bench in the sunshine!
What beliefs did your parents (or whoever raised you) give you?
- What expressions did they repeat?
- What lessons did they give you about money?
- Did they give you pocket money/allowance?
- Did you have to work for your money?
- Did they argue about money?
- Helpful or unhelpful beliefs, doesn’t matter. Just what programming did you receive?
Examining your beliefs
- Have you ever taken the time to examine and discuss your beliefs?
- What are some of your strongest money beliefs?
- If there was one belief you could change, what would it be?
- What things happened to me that created some of my strongest beliefs?
- What do I repeat to others about money / investing / how to be successful in life?
Choosing new beliefs (we ran out of time to do this on the call)
- What beliefs are strongest for you? Which do you want to tackle? See below for a list of common money beliefs.
- What is the impact of believing this? What are the long term consequences? How might the opposite be true?
- What are the alternative beliefs you want to foster and try out?
- Is there anyone you admire or has the results you want to have? What do they believe and how could you borrow their beliefs?
Ask for help
If you’re struggling to uncover beliefs that might be holding you back, here’s some common money beliefs that you might want to tackle! These were all in the pre-course survey that you took. We are going to ask you to rate them again in a post course survey to see if they have shifted at all! (data exciting!)
- Money is the root of all evil
- Money is a limited resource
- Getting rich takes too much work or struggle
- I don’t know where the money goes each month
- More money means more problems
- It is too late for me to get rich
- Having a lot of money is a big responsibility
- Realistically, chances are I will never be rich
- Getting rich is a matter of luck or fate
- Striving for wealth won’t allow me much time for anything else in my life
- To get rich you have to use people or take advantage of them
- If I get rich everyone will want something from me
- If I get rich there will be certain people in my life who won’t like it or me
- If I have a lot of money; it means someone else is going to have less
- Having excess money means you are greedy
- I’m terrible with money
- I am just bad with numbers
- If I strive for wealth and don’t succeed then I will feel like a failure
- This just isn’t the right time for me to start going for it financially
- Money isn’t really that important
- Money can’t buy you happiness
- You can’t have money, do good and be happy at the same time
- Money can cause a huge amount of pain
- It takes money to make money
- People should only have enough money to live “comfortably”
- Given my past it is difficult for me to get rich
- I am not smart or intelligent enough to be wealthy
- I am too young to get rich
- I am too old to get rich
- As a woman it’s much more difficult to get rich
- I wish I didn’t have to deal with money
- I don’t enjoy managing money
- I don’t have time to manage money
- I don’t need to manage my money because I hardly have any
- Money corrupts artistic and creative endeavours
- It’s not right to be rich when other people are so poor
- The rich get richer the poor get poorer
- Rich people aren’t happy
- I can just pay someone else to manage my money
- If I earn more money I will have to pay more taxes; it is pointless
- Getting rich is not really a skill you can learn
- I am just not meant to be rich
- Investing is too difficult and complex for me to ever learn
- Investing is for people with a lot of money
- Most investments other than the bank are too risky
This is not a journey you have to go on alone. If you don’t have someone in your life you can talk to about this stuff then join the Rebel Finance School Facebook group, ask someone to work with you on this stuff, go for a coffee with some other Rebels. There are a lot of people that want to improve their finances too.
Week 4: Compounding, Debt and financial Freedom
So many people believe that they will never be able to make enough money to get to financial independence, they will never be able to have a comfortable retirement.
If this is what you believe, or you want help feeling more positive about your financial prospects then you have to come to week 4. This could be one of the most powerful moments for you.
Yes the title of the week is about obliterating debt but we will be opening with the power of compounding and how it could change your life. Make sure you come along to next week’s session.
Katie and I have spent countless hours this week discussing how we can make this course even more powerful for you. Thank you for giving us the opportunity to help you on your journey.
We are so excited to see the shifts you will make as you understand your numbers, change beliefs, and start to implement new strategies.
This whole course is designed to walk you through this stuff step by step. Let’s work together to build a brighter financial future for you and those you love.
Thanks for reading. We love hearing your stories so please send us a message if anything struck you. Contact us.
Sending you peace and pineapples. Katie and Alan
Frequently Asked Questions
Use the table method:
The belief is the tabletop (“Money is bad”, “Passive income is evil”)
The “legs” are your evidence
Knock the legs away by questioning them and gathering new evidence
Replace the belief with one that empowers you:
👉 “I use money to create a life that helps me and others thrive.”
Motivation isn’t something you feel once — it’s something you renew regularly, like brushing your teeth. Try these:
Visualise your “why” daily
Celebrate small wins
Join a community (like RFS!) for energy and accountability
No. Passive income isn’t exploitation — it’s the result of value you created earlier (e.g. writing a book, investing in businesses, renting property). It gives you freedom to do good without burning out.
💭 You can’t pour from an empty cup. Let passive income refill you.
If you’re naturally a saver, it’s still okay to spend in line with your values. Use tricks like:
Set spending budgets for joy and health.
Label accounts (“Fun Fund”, “Health & Happiness”)
Remind yourself: Money spent on joy is not wasted.
Spending isn’t the only way to contribute. Saving and investing helps you build freedom — so you won’t become a financial burden on others later. When you have freedom, you can give more of your time, skills and energy to causes you care about.
💭 You can “spend” on freedom — it’s still helping society.
You don’t need money to make money — but you do need time and energy. Most of us earn money without spending money to do so (e.g. jobs, selling skills, or launching low-cost projects). If this belief is holding you back, try replacing it with:
👉 “I can use my time and energy to earn money, and use my gap to buy assets.”
[📖 Listen to Alan’s podcast episode: 5 Ways to Start a Business with No Money]
Not forever—but long enough to make it stick. 🧠💪
We still do mindset work. We still track our net-worth. We still challenge our beliefs. This isn’t a one-time fix—it’s a lifelong upgrade. But the more you do it, the easier it gets.
There does become a point where you don’t even have to think about it because the new beliefs you have chosen are so ingrained you act as if they are true (because they are to you!) and life just happens automatically! That is the aim.
Ask yourself:
- “Is this belief helping me move forward?”
- “Would I teach this belief to someone I love?” ❤️
- When does this belief show up in my life?
- What are the results, financially that other people with this belief are getting?
The key is to examine the belief in the cold hard light of day, discuss it with other people. maybe even ask AI what are some of the side effects of having belief X? Once you have examined it then you can work out if you want to keep it or not. You don’t need to be “right”—you need to be free.
That’s the whole point of this week! 🧭
If your goal is financial independence but your top value is “convenience,” you might keep sabotaging your progress. That’s not failure—it’s feedback. You have two options. Either adjust your values or your approach. Alignment = progress.
If you really aren’t willing to give up on some of your values then you should choose a goal that aligns with your values.
Yes. Yes you do. 💌
It might feel weird at first, but it’s one of the most powerful exercises in the course. Your relationship with money is emotional—so let’s treat it like one. Write the letter. Be honest. You’ll be amazed at what comes out.
That’s totally normal—and actually a good sign! It means you’re digging deep and finding the stuff that’s been running the show behind the scenes. Don’t push it away. Sit with it, write about it, talk it out. Then ask: “Is this belief helping me?” If not, it’s time to let it go and choose a new one.
Always very interesting looking at yourself and your beliefs. Here are 3 new beliefs I am focussed on:
I am confident with both investing and spending our money on what is important to us
I can live a healthy lifestyle and be happy with my health, body and mind.
I can choose healthier foods and make it part of my routine.
I did the values exercise using ChatGPT and wasn’t expecting much but it was AMAZING and so detailed. I now have a multi step action plan on how to live in alignment with my values, I’m excited to put this into practice.
A lot of my issues and misalignment in my money beliefs is a sincere regret for the time and money wasted and I feel like I am in catch-up mode. My 3 new empowering beliefs are:
1. I am building the next stage of my life with intentionality
2. I am someone who builds security first so I can enjoy abundance without anxiety
3. I paid for experiences, learning and timing and now I am reallocating.
Jac love the new beliefs and the energy you have. The time has gone and we are where we are. but you can ALWAYS improve from here and you are doing that. Love that you are doing the work and keep us upto date please! Alan