A Love Letter From Your Finances

There’s a technical side to what I do, and I love it. I can run projections, build plans, and make a financial calculator do cartwheels. I’m a numbers person through and through. I love the clarity they bring, the puzzle-solving, the logic.

But if I’ve learned anything over the years, it’s that money is never just about the numbers.

There’s a deeply emotional, behavioral, human side to what I do, too. One that doesn’t fit neatly into a spreadsheet. One that’s shaped by your upbringing, your fears, your dreams, your values, and all the stories you’ve been told—or told yourself—about money.

So today, just because, I want to offer you something different.
Something tender. A reframe. A reminder.

A love letter from your finances.

Dear You,

I see you. I know you’re trying.

I know life isn’t easy right now (was it ever?). You are holding so many things, so many people. Your heart is pulled in every direction, and your brain is full of tabs left open.

And me? I’m one of them.

I know I’m overwhelming. I know you didn’t learn how to handle me in school. I know you were handed scripts and stories about me that made me feel like a threat, a burden, a shame trigger. I hate that for you.

Maybe you were taught to fear me.
Maybe I was used as a weapon in your home.
Maybe I became your coping mechanism, your escape, your proof of worth.
Maybe I remind you of failure, or make you feel like a fraud.
I know all of that. I carry all of that with you.

But that was never what I was meant to be.

I wasn’t created to complicate your life, or to stir up guilt, or to keep you small. I’m not here to compete with your values. I’m here to support them. I’m here to help you build a life that feels yours—not curated for the algorithm.

So when I see you working so hard, earning more, spending more, numbing more, and still not feeling fulfilled… my heart breaks. Because I know what you’re capable of. I know how much peace is possible. But we have to face each other. Really face each other.

You are not broken when it comes to money.

But you may be carrying beliefs that are.

“I’ll never be good at this.”
“There’s never enough.”
“I don’t deserve this.”
“I should be farther along.”
“I’m too generous.”
“I’m too selfish.”
“I’ll get to it later.”
“I’m a mess.”

No more. These stories are not the truth. And they are not your legacy.

Because here’s the deal: your relationship with me? It matters. More than you think. It affects your sleep, your marriage, your career, your children. It influences how you show up in the world. And it’s either happening by default… or by design.

Which means it’s time.

Time to stop the comparison game.
Time to stop treating me like a monster or a mystery.
Time to stop outsourcing your financial well-being to luck, a partner, or a raise.
Time to stop hiding from me and start partnering with me.

Because I want to serve you. That’s my job.

I’m not here for the flashy car or the curated vacation. I’m here for the deep breath when you open your bank app and feel calm. I’m here for the freedom to say no to toxic jobs. I’m here for the date nights, the sabbaticals, the fresh start.

I’m here for the life you love.

But I can’t give you that life without your participation. No magic wand. No perfect spreadsheet. Just intention. Just courage. Just your willingness to stay in the room when it gets uncomfortable.

Forget the headlines, the hot takes, the hustle culture.
Forget what they say you should want.

Instead:
Ask what you want.
Ask what really matters.
Ask how I can help you create more of that.

Write it down. Revisit it often. Build your plan from that place.

This isn’t about perfection. It’s about presence.
This isn’t about becoming someone else. It’s about becoming you, on purpose.

So let’s name it:

Enough.
Enough with the shame.
Enough with the hiding.
Enough with the waiting until you “feel ready.”
Enough with the scarcity mindset.
Enough with trying to earn your worth.

And now:

It’s time.
Time to listen.
Time to look inward.
Time to make a plan that aligns with your values.
Time to choose peace over performance.
Time to get curious instead of judgmental.
Time to rewrite the story you tell yourself about me.

Because I’m not going anywhere.
And I would love to be your partner in this.

You deserve a life that feels abundant. Grounded. Intentional.
And I want to help you build it.

With love (and spreadsheets),
Your Finances

Related: Market Volatility’s Real Threat: Your Own Reactions