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223: The Biggest Block To Your Financial Breakthrough
Episode 2239th September 2025 • Money Simplified: Financial Strategy, Money Mindset, & Energetics for Entrepreneurs • Aimee Cerka
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In this episode let's dive into the mindset blocks that keep us stuck waiting for the “right time” to get support in our finances and business. I unpack the subconscious reasons behind delaying help, why waiting until you “arrive” only holds you back, and how this belief can sabotage growth and success.

I’ll share practical strategies on how to shift your perspective, let go of guilt or shame around getting help now, and introduce simple steps like the brand new Money Clarity Audit to finally break free from overwhelm and start moving forward with confidence today.

https://aimeecerka.com/clarity

For the full transcript and all links mentioned, see the blog post: https://aimeecerka.com/223

Ready To Take Action: https://aimeecerka.com/podcastlinks

Transcripts

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Have you ever caught yourself saying, once I hit that next income goal,

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then I'll finally be able to get help?

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Or maybe it sounds like once I figure out this one thing, then

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I'll be able to outsource, then I'll be able to buy this program.

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But here's the thing that someday never really comes, does it?

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You'll hit this milestone, but there's always another one, and maybe

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you haven't hit that milestone yet.

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There's another expense though.

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There's another fire to put out.

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Another reason why now isn't the right time.

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You have to continue to wait and even, and if you've been caught in that cycle,

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this episode is for you because today we're talking about what's really going

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on subconsciously behind the scenes when that help feels out of reach.

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While waiting until you.

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Arrive only keeps you stuck.

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And how to shift into a place where support becomes available to you

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right now, not just in the future.

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So let's get to it.

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This is Money Simplified, the podcast where I help female

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entrepreneurs go from stress and struggle to unstoppable with money.

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Money is more than just budgeting and p and Ls, and we're gonna

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take you through all of it here.

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We blend proven financial strategy with mindset work and energetic

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alignment, so you can create unstop.

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Finances, build an unstoppable business and truly enjoy your unstoppable life.

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It's time to take my wisdom and my expertise to help you simplify

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money and go beyond the numbers.

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I'm your host, Aimee Cerka.

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Welcome.

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I'm so glad you're here.

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Welcome back to Money Simplified.

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I'm your host, Aimee Cerka.

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We are breaking down today the desires that are really underneath that.

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I'll wait till I can get help thinking , the misconceptions that you keep.

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Believing that are delaying things for you, the actions that you might be taking

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really, that are keeping you stuck.

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And of course we'll talk about how to reframe it all.

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I'll show you a couple solutions that like how you can have

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that path forward and get help.

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Now, not until you have this woo-hoo, I've arrived moment that newsflash

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doesn't really ever show up.

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Okay?

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So at the heart of it, right?

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When we look at, it's not just this income milestone that we're looking at.

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One of the most popular episodes I've ever, ever, ever done is called,

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it's not about the money, because it's not really about the money.

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It's what the money can do for you.

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And that's where we work on changing.

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How we feel about money, taking the fear out of it, the guilt, the shame.

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So it's a tool in your pocket.

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You have this thing that works with you.

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It's not this monster you're running away from.

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So it's not about hitting this income goal, it's about the

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breathing room that you can have.

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It's about being able to take your kids on ice cream runs or to

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Chick-fil-A or whatever it might be.

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And feel.

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Okay.

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You want to feel like everything, the weight of the world is not

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on your shoulders all the time.

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Okay?

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Right.

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We want the peace, we want the clarity and that sense of momentum

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fulfillment, where you know, like you're actually like you've done it.

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You've built the thing.

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Like that success there.

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Okay.

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And support and the right kind of support.

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'cause we're gonna get to that.

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Uh, I don't know when that episode's gonna lie in the next couple weeks

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about, you know, secret ways that you're sabotaging yourself with money.

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And there is something that comes to mind.

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It's like red flag.

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Red flag, red flag.

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So make sure to stay tuned over the next couple weeks

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when we talk about that, okay?

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But the right kind of support is what helps you

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have that breathing room.

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It's not, we have to wait until we have it, but there are ways.

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Like you're, you don't have to earn it.

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The waiting, like, I, I'm not there yet.

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I'm not there yet.

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Gets you stuck.

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Okay.

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So if we're saying things like, once I make the money, then I'll be able to help.

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Um, we can also be saying like, getting help before I hit

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the income is irrresponsible.

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I need to prove I can do this on my own first.

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I hear that all the time with bookkeeping because it's not rocket science, right?

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Like it's.

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Sounds easy, but it's not necessarily your zone of genius.

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And even though like I offer bookkeeping coaching and I teach you how to do

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your books yourself if you are not ready to hand it off, and I love doing

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that because if you're not gonna hand it off, I want you to at least do it.

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correctly There are so many times though that I see we've worked on this so

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that you can do it yourself, but it's holding you back because you're spending.

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Five, seven hours minimum a month or at the end of the year.

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And you might not even be in like your accounting software that much,

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we'll say like QuickBooks, okay?

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You might not be in the software that much, but the brain space that

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it takes up or the avoidance, right?

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And you, you're not doing it monthly, then you gotta catch it

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up at some point, and then there's mistakes made that cost you money.

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You're missing out on deductions.

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So many different things show up.

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Okay.

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But that I have to do it on my own first, or I should be able to do

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it myself because this is easy.

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That's that waiting that I should be able to do it myself.

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Okay, those thought, they're sneaky, they sound responsible, right?

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Like it sounds like it's, that's what it should be.

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I should be able to do this thing, but it's actually.

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Sabotaging you.

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So what happens, right?

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Like you work harder, we're hustling, right?

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You're trying to out earn the problem.

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You put off these decisions until later, telling yourself

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like, I'll figure this out.

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I'll get support.

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I'll do these things when I, air quotes.

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Get there and you'll piece together.

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You know, a YouTube strategy, an Instagram strategy, email, whatever.

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The bookkeeping, again, budgeting so many different things

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that we can pull up, right?

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And all of this reinforces the.

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Belief that I can't have help with this until I hit this thing,

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or I can't buy into this program until I hit this income goal.

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But in the meantime, we're not escaping the same stress, the same patterns,

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the same money beliefs that you've been carrying around for forever.

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. This feels almost like you wait to start drinking water until after

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you've already ran the marathon.

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By the time you get there, like you're exhausted.

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Even if you could make it through a marathon without drinking water.

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Like your body's in survival mode.

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And as somebody who's been working a lot on nervous center regulation, there

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was an analogy that came up recently.

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Your nervous system feels like you're being chased by a cheetah right now.

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Okay?

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Being chased by a cheetah and you gotta go, go, go.

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You gotta go do the things.

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That's one of the things that I see most with entrepreneurs, and

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that's the one I relate to the most.

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So here we're going with it, right?

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You're being chased by a cheetah.

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But then you find that somebody's like, you should do meditation.

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You're being chased by a cheetah.

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Like sitting down and doing a meditation right now is not

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happening because you're gonna die.

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It's all there is to it, right?

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Like you can't physically handle that because you're running away.

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We gotta have support along the way.

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Yes.

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Meditation, journaling, so many of those different exercises, so many of

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the things that I talk about, right?

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So many of these different money habits are amazing.

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They work like we need to do these things, but the thing is

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you gotta be able to do 'em.

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And if the cheetah is chasing you, you're still doing the same habit.

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Like you can't stop and do that.

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This is where we take it from like logical knowing to then

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there's like a belief, okay?

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So we've got logical knowing you can logically know what to do.

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And then the belief part.

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You believe that it's true, but even if you believe that it is true, the voice

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in the back of your head is like, there is still a cheetah chasing me or, yeah.

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Right.

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That won't work for you.

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You've tried this before.

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Then there's a third level that embodiment and if we were watching on

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YouTube like it, it is layers and the layers are going down because it's like

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that sense that, you know in your gut.

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It is not head knowledge.

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It's moving beyond that,

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and this is why

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so many entrepreneurs, I think, end up burning out and quitting.

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We know statistically that 50%, I'm trying to what the updated statistic is.

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I looked at this recently, 50% quit within five years, and I see this

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all the time, like as many podcast interviews, summits, guest experiences.

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Appearances.

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So many things.

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I've got a lot of them, and I'm gonna say a lot because I think I've

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missed some linked on my website.

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Okay.

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But when I do my quarterly check on my website for bad links or whatever,

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without fail every single time, it's like some of the links are no longer

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valid because people have quit, they've walked away, and I don't know that

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you walk away from entrepreneurship.

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You don't walk away from your business.

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I'm sure there's some people who are like, okay, yeah, well that wasn't for me.

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I didn't really want that, but how many walked away?

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Because they didn't feel like they succeeded and I

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felt like they had no choice.

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And this waiting to get help until you arrive.

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When we keep moving the line on ourselves and then we're making

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it way harder than we need to.

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Okay.

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So if we're using the marathon analogy like.

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I'm trying to think of what would slow you down on a marathon for crawling maybe.

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Okay, we're crawling instead of walking or running, like if you can get the support

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while you're doing the marathon, you're gonna finish the marathon that much faster

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and it feels so out of, out of reach.

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I totally understand that and I'm gonna give you a solution in just

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a second, but this, it's gotta wait thing is sabotaging you.

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I had, um, a client call.

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Or a discovery call with a potential client recently, and we were talking,

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it was like, and I know that I hear this quite frequently because

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I love the Unstoppable experience container that I have, right?

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It's a 12 month group mentorship program because you have everything.

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But I know, I know that.

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I know that I know not everybody's ready for the unstoppable experience yet.

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And I say yet because I believe that there is a large majority of

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those people that like is going to be the right time at some point.

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And I believe that you'll enroll in the Unstoppable experience

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when it is that right time.

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But just because you're not ready for the unstoppable experience

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doesn't mean you can't have support.

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And this call that I was on recently with a potential client, we had,

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um, a discovery call session.

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We were talking about the private coaching and the way that I structure things and.

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Truly like we design the package, the amount of support that you

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have around where you need to be right now with your budget.

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I don't have just the standalone like it's X price or X price.

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Like that's not how I operate it, because I know that support is valuable.

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And if it's once a month that we're working together, then it's once a

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month that we're working together.

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But you're still having the value in that.

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It's still important and you can get support now.

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The truth is help isn't something you have to earn.

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It's not a reward for finally arriving.

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It help is something that you have to allow now and be open to it.

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This is the key here because if you believe you can't have it right now, that

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it's somewhere you have to get to, it's not gonna work, and that's the problem.

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The problem is you have to believe it's possible.

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Now, I think I shared this story on the podcast, but I had a program

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that's been on my list to invest in probably for about a year, and I knew

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what I wanted and it felt outta reach.

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It felt outta reach.

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It felt, felt out of reach.

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And I went ahead and I was like, okay, well I'm gonna go through the motions

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because I believe this is gonna show up.

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So like getting clear, I had a clarity call with that coach to know like what

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tier of the program was gonna be right for me and where I'm at in my business,

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et cetera, was like, okay, I don't think it's gonna be right now, but I'm

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going through the motions so that I'm ready when the funds for this show up.

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Notice we're not spending things out of like way outta reach.

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That's not what I'm talking about.

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There can be a stretch, but then there can be too much, and again, that staying

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busy as an avoidance technique, we're gonna get to that in a couple weeks.

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It's gonna be a really good episode.

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But I went through the process of like, okay, this is what I'm expecting.

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I'm doing everything that I need to for this to show up.

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What are my options?

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Went through that call.

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Two days later, the income showed up or the money showed

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up to pay for the program.

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Would that have happened if I hadn't done the call?

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I don't know, but I went through the motions that I was ready on my part,

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and the belief that it's gonna show up, the belief it's gonna work out.

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The belief that you can have help now.

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You have to be open to the possibility and believe that it's gonna work for you.

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That you can have these things now that it's not something

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you have to get to eventually,

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because when you can have the support now before you arrive, I also

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don't think we ever really arrive.

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We stopped delaying our results because we're putting it off right.

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So I'd love to hear what's an area that you've been wanting

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support and it's felt outta reach?

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Is it something with the numbers?

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Because if so, if you've been telling yourself like, okay,

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I'll get to that point later.

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I'll join the unstoppable experience later, I'll

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outsource my bookkeeping later.

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I want you to, I want to invite you to take a very simple, or.

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Step Now I've got a brand new offer I created, I'm really excited about.

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It's called the Money Clarity Audit.

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What you're gonna get, it's a personalized video.

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Okay.

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I'm gonna record a video for you of your finances.

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I'm gonna walk you through what's working, what's keeping you stuck, and

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the best next move for you to move forward with the confidence and not get stuck.

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Okay?

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The goal of this is to get rid of guessing.

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We're gonna get rid of the waiting until you arrive before you can have

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support, because I want you to, and there's not really arrive, right?

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I want you to arrive faster.

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It's a shortcut to clarity right where you are today, okay?

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You can grab the Money Clarity Audit at Aimee circuit.com/clarity.

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It's only $44, so.

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We can go two different directions.

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We can go tactical numbers, you can share numbers with me, we can share QuickBooks.

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I can check those things.

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So if you're like, I am somebody that's doing my books by myself right now and

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I need to keep doing that, but I would love to know that I'm actually on track.

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This is perfect for that.

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If you're also like, I don't know that I wanna actually share my numbers right

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now, but this is where I'm feeling stuck.

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We're gonna talk through that as well.

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You've got options.

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This is about getting you clear.

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Where you feel stuck in your finances, and when you share that, I can

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help you uncover some of the blind spots that are holding you back.

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We're gonna get you clarity, fast results.

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It's only $44, okay?

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No branding for yoyou.

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AimeeCerka.com/claritythat's what I've got for now.

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We'll see you next time.

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Thank you so much for listening to Money Simplified.

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My favorite place to hang out is on Instagram.

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You can find me at Aimee Cerka to catch all the behind the scenes of my stories.

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Send me a message to share your biggest takeaway or just to say hi.

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I love hearing from podcast list.

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Nurse, when you're ready to take action on your mindset, your money, or the

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systems behind it all, I'm here for you.

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Whether you're snagging a free resource, exploring a mini course, diving into the

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fundamentals with Money Mastery Academy, getting in-depth support inside the

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unstoppable experience, or scheduling a complimentary bookkeeping consult to

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finally get hands on help with your books.

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Your next step is waiting for you, Aimee Cerka.com/podcast links has all the

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information, and of course, that link is hanging out in the show notes for you.

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We'll see you next time.

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