When I was broke I really believed I can’t change my financial life.
Not because it was impossible…
But because I have tried before and failed multiple times.
For that reason I was convinced that changing was almost impossible. All I had in my mind was:
- “I’ve tried before.”
- “I’m just not good with money.”
- “This is just how I am.”
So I stopped trying for a long time.
But here’s the truth:
I was not stuck.
I was just repeating.
Ignoring your finances doesn’t fix anything.
It’s like not washing your bed sheets for 6 months.
The smell doesn’t go away.
It gets worse.
And you still sleep there.
That’s how I feel with money.
I ignore it.
Because ignoring is less painful than seeing our mistakes.
“Seeing is painful, but ignoring destroys.
Ignoring makes us repeat.
The same mistakes, the same excuses.”
What ignoring your money does to your brain
Even if you don’t look at your finances…
Your brain knows something is wrong.
That creates stress.
And when stress becomes constant, your body stays in survival mode.
The “Rhino” effect
Imagine a rhino chasing you.
Your body reacts instantly:
- Stress goes up
- Focus narrows
- Energy shifts to survival
That’s useful in danger.
But I lived like this every day.
By the Fear of not paying my bills.
By the greed of buying things when I really needed to save.
That rhino has a name:
Bills. Debt. Paycheck to paycheck.
Stress, cortisol, and why you feel stuck
When you’re constantly stressed, your body releases cortisol.
That’s normal in short bursts.
But when it stays high for too long:
- Your focus drops
- Your thinking gets worse
- You avoid decisions
You’re not lazy.
You’re overloaded.
Your brain is designed to make what you think impossible
Your brain is not fixed.
This is not motivation.
This is science.
Your brain can physically change.
It can:
- Build new connections
- Strengthen new habits
- and even create new neurons in certain areas
This process is called neuroplasticity.
And it’s been proven for years in neuroscience.
If you look inside of you, you will remember something that was very hard and almost impossible but it happened back then.
You put your heart into it, stayed consistent, and eventually improved. You can do that again.
Read this carefully
👉 You can literally create new neural pathways that make you better with money.
That’s not mindset.
That’s biology.
What this means for you
No matter:
- Your age
- Your past
- Your mistakes
You are not locked in.
If you start:
- Tracking your money
- Building a simple budget
- Saving consistently
Your brain adapts.
Like you have adapted so many times in the past.
At first, it feels hard.
Then it feels normal.
Then it becomes automatic.
That’s your brain changing.
“Things get better for you by change, not by chance.” — Jim Rohn
But there’s a catch!
If you stay stressed all the time…
You slow this process down.
Constant stress (high cortisol):
- Makes it harder to learn
- Harder to focus
- Harder to build new habits
Constant stress and impatience always killed any progress I made
Because small progress never feels fast enough.
What really matters is consistency.
Consistent small progress compounds.
That’s why I was always stuck.
Not because I can’t change.
Because I never leave survival mode.
So what should you do?
Start small.
Stop ignoring.
You don’t need a perfect plan.
You need one action:
- Look at your numbers
- Create a simple system
- Start your emergency fund
That first step sends a signal:
“We’re changing.”
And your brain responds.
My experience
When I started learning English in 2017…
It was impossible
I gave up countless times.
I couldn’t understand anything.
Not videos.
Not conversations.
Not even cartoons.
Now I can.
Not because I’m special.
Because I stayed consistent.
My brain adapted.
Final thought
If you’ve been on the fence…
Thinking, but not acting…
This is your confirmation:
You can change.
Not by luck.
Not by motivation.
But by constant imperfect action.
Fixing your money is not just financial.
It’s personal.
When you manage your money better…
You manage your life better.
Next Step
ow I understood something I didn’t understand before:
I wasn’t permanently stuck. My brain could adapt and I could change.
But knowing I could change didn’t suddenly make changing easy.
Working out still felt uncomfortable.
Saving money still felt restrictive.
Eating better still required effort.
And every time that discomfort showed up, my mind gave me another reason to quit.
That’s when I realized I had another problem to solve:
I needed to change the way I looked at change itself.
Read this next: 👉 Reframe Your Mind, Reframe Your Fears, Restart Your Future
This is where I share how I stopped seeing change as punishment and started seeing it as training—and why failing, trying again, and enjoying the process became part of moving forward.
Knowing I could change gave me hope.
Reframing change helped me stop quitting.
Questions❓ Drop them down below in the comments sections 👇