Episode 4

4: Hope Is Not a Plan: The First Steps to Financial Freedom

How often do you go to log into your bank account and feel that familiar sense of dread? So many of us rely on mental accounting, guessing what's there and hoping for the best. But, unfortunately, hope is not a plan, and that fear is keeping you from the one thing you need for true financial freedom: clarity. In this episode, we're talking about why hope is not a plan and how ignoring this simple reality check is what keeps you stuck. We'll shift your perspective so you see that a negative number is a signal, not a judgment, and discuss how defining your priorities is the essential, motivating fuel you need to make changes that lead to the calm and confident relationship with money you deserve.

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YNAB Disclosure: I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or affiliates.

About the Podcast

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The Money Clarity Podcast

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About your host

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Lindsey Ciarrocca

Lindsey Ciarrocca is a Financial Planner, YNAB Certified Budgeting Coach and Certified Money Coach and has been helping people take control of their finances since 2015.

Many people carry a lot of emotions related to money — shame, guilt, fear, anxiety — which can hinder them from living their best life. Lindsey is passionate about helping her clients create a more positive relationship with their money so they can use it as a tool to build their businesses, live their Greatest Life and create positive change in the world.

She is a self-described budgeting nerd and crazy cat lady and loves helping people learn to use their money as a tool to help them achieve their biggest, wildest dreams — rather than be an obstacle.