240 | What to Do When You Have Debt and a Dream

You know that moment in the shower when something crosses your mind and you want it, but you have no idea how you would ever get there? Maybe it is a house, a baby, a retirement that looks a certain way, or a business you have been thinking about building. And before that thought even gets a chance to breathe, your brain shows up with a list of reasons it is not possible for you right now. You have debt. You do not make enough. That is not realistic for someone in your situation. And just like that, the desire disappears before you ever gave it a real moment to exist.In this episode I want to talk about what I call your impossible money goal, the desire that feels whimsical or fleeting or maybe even a little embarrassing to say out loud because you do not have any proof yet that it is actually possible. And the first thing I want to offer you is this: you do not need proof that something is possible before you are allowed to want it. The person who is becoming debt-free and the person who is moving toward her dream are not two different people on two different timelines. They are the same person doing both at the same time.This episode is a continuation of last week and it is about giving you practical tools to move from catching that desire to actually building space for it in your real life. I am walking you through a journaling exercise that helps you name the goal, identify what you would have to believe about yourself to actually pursue it, and take one concrete action this week that starts putting things in motion before you have the full plan figured out.In this episode you'll learn...[00:04:30] What an impossible money goal is, why it tends to show up as a fleeting thought that gets shut down almost immediately, and why giving that desire permission to exist a little longer is the first and most important step toward actually achieving it[00:09:15] Why you do not have to wait to be debt-free to start moving toward something you want, and what it actually looks like when paying off debt and pursuing a dream are happening at the same time instead of waiting in line behind each other[00:14:40] The belief question that creates possibility when you feel frozen by the size of your debt or the timeline of your dream, and how answering it honestly starts moving you from avoidance into curiosity and then into action[00:19:20] Why journaling is one of the most powerful tools for making an impossible money goal real, and how writing down a desire before you have any proof it is possible is exactly how you create the version of yourself who eventually accomplishes it[00:23:45] The four part exercise to close the episode with, naming the desire, answering the belief question, visualizing the version of you who is already doing it, and identifying one action you can take this week to start building space for what you actually wantTune in to this episode of Money Files to learn how to give your impossible money goal the space it needs to become real so you can stop shutting down your dreams before they ever get started and start building toward the life you actually want while you are still paying off debt.Get full show notes and the episode transcript: https://wealthovernow.com/what-to-do-when-you-have-debt-and-a-dream/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan