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Your Money Neuro Track

Posted by Carrie Rattle on Oct 3, 2017 7:26:00 AM

I’ve been a fan of Neuroscience for a few years now. It not only appeals to my inner geek, but it assists me in being the best coach possible for my clients. Did you know that our Amygdala, that has served us well since the dawn of time when it helped us decide on fight or flight, now doesn’t serve us quite so well?  Very simplistically, if we are bitten by a dog while talking about money, our Amygdala may decide that money is pretty scary.  When we hear the word, it will tell us to RUN.

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Topics: Money Attitudes, Neuroscience, NeuroTrack, rewire

Is Your Money Mindset No Longer Serving You?

Posted by Carrie Rattle on Sep 28, 2017 7:51:00 AM

The word Mantra comes from the Hindu and Buddhist religions, representing a repetitive chant of word or phrase. For those of us in the North American culture, the use of mantra loosely refers to a set of beliefs or phrase tied to motivation. It's our mindset.

I interviewed a client a number of months ago, and it became clear she was strongly driven by “productivity”.  Productivity is a very North American word – something that our culture values. “Time is Money” comes to mind immediately.  However, sometimes a productivity mantra is too narrow. Here is an example of how my client’s money mindset sabotaged her money behaviors.
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Topics: Money Attitudes, Money Behaviors

Do You Trade Happiness for Money? Maybe a Little?

Posted by Carrie Rattle on Jun 6, 2017 11:04:00 AM

My colleague, Stacey Francis is CEO & President of Francis Financial.  She is also Founder of Savvy Ladies, a non-profit organization that spreads free financial information to women.  As with many of us who are in the money business, we have stories that drove us here.  These stories are personal and emotional. Here is Stacey's:

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Topics: Money Attitudes

Is Greed a Sign of Selfishness, or the Broken Trust of a Child?

Posted by Carrie Rattle on Mar 11, 2017 9:04:00 AM

We all have money beliefs, formed during childhood.  We didn’t choose them. They just grew as we processed, experienced, and observed our small world. Often, they came from our parents, or a close role model. We may have adopted similar beliefs, or rebelled.  So here we are today, with our money beliefs.

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Topics: Money Attitudes

Money Tightrope and Fear of Judgment

Posted by Carrie Rattle on Sep 5, 2016 8:00:00 AM

“Judgment by Your Peers Sucks”. This phrase comes from The Feel Rich Project,by Michael F. Kay, CFP.  And it could apply to so many things.  Michael talks about how this fear of being judged drives what we eat, what we wear, what we own.  And let’s face it, most of us have it to some degree – but does it fuel your need to spend to keep up a façade?

I’ve been in financial services for almost 30 years.  I have friends who see a big house with new cars outside, and think Wow! Those people are wealthy. They have everything. But often that’s not true.  I see a huge mortgage, leased cars, credit cards with balances on them – and wishful thinking that someday things will work out. 

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Topics: Money Behaviors, Money Attitudes

Savers Have Money Fears Too

Posted by Carrie Rattle on Aug 31, 2016 8:00:00 AM

The stress and anxiety associated with not having enough to pay the bills is often discussed with heartfelt empathy. Do you know that savers often have money anxiety as well?  It’s a misconception that all savers are good at putting away money because they’re financially savvy, and that they’re at peace with the world. Some blindly save and save and save, because they fear running out of cash, or making a bad decision that will erase all of their hard work. That fear is fueled if they don’t have measurable goals to compare what they have versus what they think they’ll need. Fear is often much larger than the actual problem.

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Topics: Money Attitudes

Enough Money: A State of Mind or Fact?

Posted by Carrie Rattle on Apr 9, 2016 10:00:00 AM

People often use the phrase “If I could just make enough money life would be better”.  It’s a myth for most of us other than those who spend every penny on food and rent to survive. Why? Because this is a money attitude, not a money fact.  And money attitudes stay with us until we experience a life-changing event that changes our perspective, or we deliberately work on changing that belief.  Andrew Caspersen, Wall Street millionaire demonstrates the point.

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Topics: Money Attitudes

Behavior Change at Lululemon - Just in Time

Posted by Carrie Rattle on Feb 2, 2016 8:00:00 AM

It took the Lululemon sales consultant AND my husband to talk me out of a money behavior that was so very hard for me to resist. And I sought their help to do it.

Our money beliefs can be pretty hard-wired.  Whether we are a spender or a saver; we value status or find money a distasteful subject – these attitudes formed starting in childhood.  It’s hard to break our natural inclinations; but we can change the behaviors that result from our beliefs, and achieve behavior change.

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Topics: Money Behaviors, Money Attitudes

Since When is Saving Money Rational?

Posted by Carrie Rattle on Apr 2, 2014 12:03:00 PM

Budgeting is so rational. You merely have to calculate how much you want to have at retirement, look at the number of working years, and save a certain amount per year. Voila! Financial brochures make it look so darned simple - you must be the only one not doing it.

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Topics: Money Attitudes

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