You’re not confused about money.

You’ve read the books, taken the courses, and you understand what you “should” be doing.

So why does it still feel so hard to actually follow through?

In this episode, we look at the space between knowing and doing and why so many heart-centered entrepreneurs get stuck there. This isn’t about discipline or trying harder. It’s about understanding what’s happening beneath the surface when money feels unsafe, overwhelming, or emotionally charged.

We talk about the role of your nervous system, how avoidance can be a form of protection (not failure), and why jumping from system to system often doesn’t solve the real problem. You’ll also hear how your natural way of thinking and operating can impact your ability to take action and why that matters more than you think.

This episode offers a different lens: one that replaces self-blame with awareness, and pressure with support.

If you’ve been quietly questioning why nothing seems to “stick,” this conversation will help you start making sense of it.

Breaking The Money Cycle: https://aimeecerka.com/moneycycle

For the full transcript and all links mentioned, see the blog post: https://aimeecerka.com/253

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

If you've ever said, I know what I need to do, I just can't seem to do

it, this episode is gonna be for you.

And I know you're a high achiever, you're super smart, you've taken the courses,

you've read the books like you're.

Ask the right questions.

You're not confused about like what money management is and some of these

processes you've probably read like Secrets of a Millionaire Mind and you

can say like, I have a millionaire mind.

You've got all of these principles, right?

Like, you know, these things, you just can't seem to make it stick.

And that's what we're gonna get into today.

So let's get to it.

This is Money Simplified, the podcast where I help female

entrepreneurs go from stress and struggle to unstoppable with money.

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

take you through all of it here.

We blend proven financial strategy with mindset work and energetic

alignment, so you can create unstop.

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

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

money and go beyond the numbers.

I'm your host, Aimee Cerka.

Welcome.

I'm so glad you're here.

Welcome back to Money Simplify.

Today we're getting into the, I know what I need to do, I just can't seem to do it

feeling, but before we get into this, if you are already like, yes, this is me.

I need support, I need to figure this out.

I've got something for you.

Breaking the Money Cycle is my brand new free private podcast.

And there's six episodes in here that show you exactly the six key shifts that

entrepreneur, entrepreneurs need to make.

Like it's not that we're missing something, but why you are doing

all the things in your business.

You're taking the courses, you're taking action, you're doing the things,

you're reading the books, like all of those things that we're talking

about and it's still not working.

You're not seeing the revenue in your business, you're

still snapping at your kids.

All of those things, that's what we're diving into inside the brand

new free private podcast link is gonna be in the show notes below, okay?

Um, or go to Aimee Cerka.com/money cycle.

Now let's get to it.

So if you've ever said, I know what I need to do, I just can't seem to do it

again, that's what we're talking about.

There are some.

People.

And I would say even like within some things, like we are natural executors,

you get an idea and you just implement it.

You just go take action.

You go try things.

And others are more like visionary.

We can be more creative, more conceptual thinkers, and we live

like in this world of like thought.

Right, like we can explain this concept beautifully.

You can see the whole picture, but making it concrete and specific

and actionable and taking action on it, that's where it breaks down.

Like that doesn't happen.

Like I can do all of these things, but actually taking action on it doesn't work.

This is not a character flaw.

There's two things that are coming up primarily.

Okay.

The first would be wiring like your, your money, the money work.

All of these systems in the concrete, like execution.

Like if you're like, I can think about these things all day long, but

actually taking action on it, making it actualize, that's the challenge.

So our money wiring piece, this is the nervous system.

When money feels unsafe, when it feels safer to avoid it, when

there's fear or shame or I don't like, I don't wanna feel that way.

Like we treat it as a threat and it's not like a metaphorical threat.

Like we really feel like a tiger's coming and we protect ourselves.

Right?

It's amazing.

And we end up, we avoid it.

It's not laziness, it's protection.

Your body is trying to keep you safe.

So if you're downloading apps right, like you are.

Downloading the new budgeting app, right?

Like, uh, no.

Monarch got really popular last year or in 2025, we'll say, I haven't heard yet.

What's gonna be the new popular one?

But you're downloading these new systems, you're doing the things.

It's not the app that's the problem.

Why an app's not the problem.

The budgeting template you found isn't the problem.

The affirmations aren't the problem.

It's you're trying to download a smartphone app on.

I'm trying to go like go back like on a typewriter, like your

operating system is not gonna work.

Like you can't put YA on a typewriter.

We have to take care of you.

The programming, the system, let's get you up to date, let's get you the new pc.

Upgrade your operating system with the strategy, the mindset,

like we have those pieces.

Yes, but.

The nervous system safety to be like, okay, I can do this thing.

We need all the pieces, but all the tactical pieces don't matter

if you aren't putting it on something that'll actually work.

And that's really what breaking the money cycle's about.

It's like, how do we upgrade?

What are the six shifts that we need to upgrade as entrepreneurs

upgrade our operating system?

And to keep the metaphor so that these things will actually work.

And the second piece of this is there are different ways that we are

designed to operate as human beings.

I love and use human design within a lot of my tactical things.

So I'm a one three, I've got a three line in my design.

The three line we go and try things.

So I don't have as much of a problem like, Hey, let's go try it.

Let me go figure this out.

Let me try this out.

I will do this.

Let's see.

Like, and I used to say like with coaches, it was like, tell

me where to jump and I'll jump.

And we had to work on like that portion of it, like right.

But the trying it thing, the tactical portion, because of some

of the features and the way that I am created work well for me.

And if you're not that person, like I've got a coaching client, um, inside the

Unstoppable experience, we were talking the other day about this exact thing.

Like if she can know what to do and she can think about it conceptually,

but taking action on it is harder.

Well, guess what?

She's got her mind and her ajna defined.

So if you don't know, like those are thoughts.

Thoughts, and then inspiration, right?

Like those two things.

The high conceptual part is defined.

The, the action portion centers as we can call 'em, right?

Like I'm getting a little off track there, but like that part's not defined.

So she's designed to do this differently, but we still had to up,

we still have to work on upgrading the operating system so that she can

handle it, because if we are not.

We can't find the actual app in the system that'll work for

her, whether that's her doing it herself or getting support with it.

If we're not on the operating system that we need, we've gotta

feel safe enough to hold it.

So if we're avoiding the thing, if you know what to do and you're just not

doing it, why are we just not doing it?

And again, this is what the private podcast breaking the

money cycle is all about.

There's six key shifts that we need to make and we help like uncover.

I've got a new, another resource that's coming that I'm pretty excited about

as well that's gonna like help deeper with this work because this is the

thing, like if we can uncover this part, we can work on your operating

system and you feel safe enough to hold these things and it can happen now.

It doesn't need to wait.

We can find the right template for you because you can handle it,

but jumping from template to template or downloading the bundle and downloading

all the resources and getting on a million email lists because you feel

like something's missing and you just need the right system, that's not true.

We've gotta work on this part, and it's not like.

You're not the problem.

You're not broken.

There's nothing wrong with you.

Your body, your mind is trying to keep you safe.

We have to retrain it that you are safe.

That money is a partner and it's a healthy partnership.

It's not in our sistic relationship.

Okay?

But we've gotta train ourselves on that.

So if you're stuck in the I know what to do, I just can't seem to do it.

Get the support now, like we talked about last week, like you don't have

to fix everything to get the support.

Like we need to do this now.

There's nothing wrong with you if you can't figure out how to do it.

A lot of us, and I think anybody who's a coach should be raising

their hand, like agreeing with me, like Right, we can know our stuff.

You are an amazing coach.

You're an amazing mentor.

But when it comes to coaching yourself, you got blind spots.

How many times have you been like, if you do group coaching calls, whether

you're coaching somebody or you've seen this or you've said it yourself,

like, I know this, like I know better.

I know these things.

But when it comes to ourselves, we have blind spots.

That's why we have coaches.

That's why we have these people in our corner.

So upgrade the operating system, right?

We need all four pieces.

We need the strategy, we need the mindset.

We need the nervous system to be okay.

We need to feel safe, right?

Upgrade the operating system and we need the support, but we

can't just piece it together.

We, it's all gotta work together so that like all of the pieces are talking.

When you're not beating yourself up because you're avoiding the thing that

you know you need to do, and we've worked on that and you understand it's not a

moral, there's something wrong with you.

It's like this is a design, like I need support here.

When you have somebody outside, outside perspective to help you see that.

When you can stay present to what's going on and you can get the support,

whether it's finding the right template, then like find the right app that's

gonna work for you, whether it's a literal app or a metaphorical app,

or having somebody do it for you.

'cause there are people who need to have support and there's.

A lot more of that that needs to happen than is happening.

Like that's what changes.

We've gotta start beating ourselves up.

'cause that doesn't do any good at all.

Doesn't change a thing, right?

We've gotta do something different.

So something changes, and I know that's an action piece, right?

But we gotta clear the mind chatter first.

All right?

So if today helped you stop blaming yourself or like, oh, maybe I am blaming

myself for this and I shouldn't be good.

That was the whole point.

So the next step is gonna be helping you see all six of the

shifts that I was talking about.

That's exactly what I cover inside breaking the money,

my breaking the money cycle.

It's free.

It's a private podcast.

It's going.

To go through all six of the shifts that we need to make as entrepreneurs

to get outta debt, to finally create the business that you would like

to have and have the revenue and be able to be present and enjoy it.

Enjoy that success, have.

Satisfaction about your life.

All right.

Link's gonna be in the show notes for you.

You can go to Aimee Cerka.com/money cycle.

That's it for now.

Remember, you've got this and I've got you.

We'll see you the next one.

Thank you so much for listening to Money Simplified.

My favorite place to hang out is on Instagram.

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

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

I love hearing from podcast list.

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

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

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

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

unstoppable experience, or scheduling a complimentary bookkeeping consult to

finally get hands on help with your books.

Your next step is waiting for you, Aimee Cerka.com/podcast

links has all the information, and of course, that link is hanging

out in the show notes for you.

We'll see you next time.