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Stop Overcommitting Yourself
Episode 2716th April 2026 • The Momentum Experiment • Cat Mulvihill
00:00:00 00:13:46

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If you take on too much at a time but don’t know how to stop doing it, you’re not alone. Being chronically overcommitted is not simply a time management issue. It can actually be more than one kind of roadblock. Today’s episode explores what’s really going on and what solution to focus on first.

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Are you someone who often finds yourself over committing and you

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take on more than you can manage and wind up

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overwhelmed and things start falling through the cracks.

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So in an effort to change, you look at the advice

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that helps you and it sounds something like this. Start saying

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no more often or protect your boundaries

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or you're afraid to say no, but every time you say yes

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to one thing, it's actually you saying no to another.

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Now, as an experienced over committer myself, that last

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one always lands and it feels very strong,

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but it doesn't always stick when I most need it.

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And in fact there's a lot of really compelling

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advice that resonates strongly, but it

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doesn't necessarily lead to lasting change. And so today

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that is what we're talking about. What is going on

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with chronically over committing and what can you

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actually do about it? Now, first, let's start with what

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I mean when I talk about over committing. This is

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taking on more than you can realistically handle.

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And it's saying yes to things, whether that's to other people,

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but also to yourself. Now, you may lean heavily

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one way or another, maybe saying yes to other commitments and other people or.

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Or maybe you lean in the other direction where you just take on a lot

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yourself. But it's usually a combination of

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both internal and external commitments that we're taking

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on. So what is the common advice?

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Usually it falls into two camps. The first I call

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practical tips and the other is perspective shifts. And no,

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that was not an intentional rhyming, but they just happen to rhyme.

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So. So practical tips are usually for both decision

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making, like don't commit until you check your

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calendar or wait at least 24 hours before you

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say yes to anything. Now there are also though practical tips

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for saying no if you are going to say no. Like

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here are 10 ways to say no with grace.

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And these perspective shifts. The other category, they also

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help with decision making. Like if it's not a hell yes,

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then it's a no. Or what will you

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think about making this choice a year from now or five years from

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now? So these help with your decision making and help with your perspective,

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but they can also help you say no. Like the one I shared

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at the start of if you're afraid of saying no

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and you say yes, you're actually still saying no to something else. So these are

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about shifting our perspective, our mindset about either

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deciding whether you can take something on and also when it's time to

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say no, saying no, because that's actually those are two different parts

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of the over Committing problem. Now for a

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chronic over committer, I think it's really important to understand

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that this is multi layered. It can

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actually fall into all three types of roadblocks,

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logical, biological and psychological.

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So when we first look at the top level, this logical, it's when you maybe

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say yes without knowing where your time is really going.

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So this is really practical. There is a gap between

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what you can do and what you say you can do

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and how much time you actually have. And we could use a metaphor

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like it's, it's like bringing new things into your home without checking to

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see if they fit first. And then all of a sudden your house has too

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much stuff and you can't move around and you're overwhelmed. If we take

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a look next at biological. So for biological

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challenges, this happens a lot depending on how you're wired, where maybe

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you're someone who you are constantly seeking novelty, you

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want to add new things to your plate, things that excite you.

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There are also people who have time blindness where you

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genuinely do not have a good sense of how long things take.

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And so although this is a practical thing, it is really about how you're wired

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in your brain and can make it challenging for you to truly make

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decisions based on how long things take. And

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then also there are tendencies and how we react to other people

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asking things of us. For example, in the four tendencies

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framework, there's the Obliger group, which is a really large group

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who tend to say yes to external expectations

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so they can honestly take on too much. Or often

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they're the ones everyone goes to because they're probably going to say yes. And

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that's just how we're wired is that if someone else asks us for

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something, we might be more likely to say yes than someone else who maybe has

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slightly just better boundaries naturally where they're not inclined

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the same way. So it's all about how we're wired. Now on the third level,

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this is psychological. This is a fear of what will

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happen if you say no either to yourself

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or to other people. So there's a true worry that

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something bad might happen if I say no to this thing.

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And so you end up saying yes and you take on more than you

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should. Now normally when I am talking about

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the three types of roadblocks I typically suggest

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start with logical. First, just make sure that you've already addressed

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those gaps because sometimes that's the true gap and once you

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solve that you'll actually be fine. However, when it

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comes to this being a pattern, if you are

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finding Yourself over committing over and over and over again.

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I actually think you should tackle the psychological roadblock first.

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It takes the most work, but it's actually the most

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enduring. And as long as you, if you only focus on logical

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or even biological, you're still going to find yourself. If you haven't

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shifted your mindset, you will keep falling into that same trap.

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So how do you actually do that? Well, when

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it comes to a psychological roadblock, it's about working on

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your mindset and getting curious about why you are

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hesitating. So instead of just looking at advice that's trying to shift your

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percent, your perspective and other ways of seeing it, you actually

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want to ask yourself questions about what's the fear? What is the

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thing I'm trying to avoid? And so let's start with an example of

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saying no to yourself. And this is something

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I struggle with. So there is something that you

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genuinely want to do, but you know that you risk over

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committing yourself if you say yes to it. So asking

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yourself the question, what are you worried will happen

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if you say no to yourself? Will saying no mean

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that you are stuck in a rut or that you are

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boring? Or that you're trapped? Or maybe you're missing out? Or that.

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Or maybe that you'll feel resentful if you say no? Now,

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I know personally, for me, I hate the idea of

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feeling trapped or restricted. I have a very

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high value on freedom and I like to follow

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my curiosity. I am also someone who is

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impulsive and I get excited about new

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opportunities. So whenever I feel like I can't

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pursue a new interest, it's like my freedom is being

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limited, or at least it feels that way. So I have this

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sort of underlying assumption that not being able to do new things

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means that I lack freedom. So I've made this connection

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in my brain that if you have to say no, it

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means you don't have freedom. And saying no to something that

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I want to do is, it feels like I'm confined

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or I am restrained. And I don't like that feeling. So I want

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to avoid that feeling at all costs. Now, knowing

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that I think this way helps me to see why I

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hesitate to say no to something new, especially if it's exciting.

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But uncovering why I do that is just the first step.

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The next step is to actually challenge this assumption

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that saying no means I don't have freedom. Because when I

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really look at that statement, I start to see the

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flaws. That being over committed, stressed,

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and dropping the ball, that actually doesn't feel like freedom.

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At all. And actually it feels like I am not

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in control and I feel like I'm trapped by taking on more

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than I can handle. I actually have

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freedom to say yes to things, but I can't change how much

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time is in the day. So freedom to say yes

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means I also need to say no to something else to make room for

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it. And I do have the freedom to do that. I just have to be

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willing to make that trade off. That's a choice.

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And making a choice is a form of freedom. And

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as I start to poke holes in these assumptions, this initial

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assumption that saying no means you don't have freedom, it means that

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I can challenge it and I can challenge it in real life. So can I

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say no to something? Either the new thing

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or I could say no to an old thing to make room for this new

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thing and just pay attention to how I really feel.

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Do I honestly feel like I am trapped or confined or

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restricted or not? Now I want to give a little shout out

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that I've made progress on this area, this mindset,

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especially with the help of Oliver Berkman. So he's an

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author of the book 4000 meditation for mortals

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and, and his work about the importance of accepting the

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limits on our time has been extremely helpful for

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me. And I know there might be other people you found helpful for kind of

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embracing that we do have limits and that it's actually

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freedom when you embrace it and say, you know what, I only have so many

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hours in the day, I can't do everything I want to do. And if there's

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someone else you recommend, I would love to know in the comments. Now

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let's turn to an external example. So saying no

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to someone else, what is the worry

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that happens or that that comes up when you imagine saying

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no? For example, maybe you're afraid that you will hurt someone's feelings,

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that you might damage a relationship, that you might

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risk your job or your future in a

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job. You might be perceived as not being a team

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player or not contributing as much as other people,

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or you might feel like you are missing out on an

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opportunity and you might regret it. So let's

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take an example and imagine that you are invited to collaborate on

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a project and it's an honor to be invited to this, even though

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it would mean that saying yes overextends yourself.

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When you imagine saying no and you notice

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what worries emerge, you realize that you are concerned

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that saying no means you might not be asked again

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and that you have potentially ruined future chances

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of collaborating. Now why might

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you Think this. Maybe you have an assumption that you really only get one

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chance like this, that saying no now means

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that you won't ever be interested again, or that saying

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no signals that you aren't a team player or don't

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want to take on extra projects like this.

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But we have to ask, is this true? And can

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we think of other examples either in your life or other people

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you know that contradict this assumption that you really

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only get one chance? When you start to poke holes

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in your assumptions, that's when you start to release

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their hold over you and over your decision making. Now,

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one of the tricks that I recommend for this is to think of someone

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else that you know or know of who says no

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comfortably in a situation like this and ask

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yourself, what do they believe that's different from me?

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How are they looking at the world where they don't see the same threats and

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worries that I do? And then can

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I try acting like them and see what happens?

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This mindset work, it takes time, and it gets

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better with experience. And it's good to start safely, like

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maybe saying no to something, that there's lower risk

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involved or the lower stakes that are involved. But the more that

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you start to poke holes in your assumptions and start to prove them

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wrong, then the less control they have over you,

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because you're starting to realize that it's not a fact,

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that if I do this, then this negative thing will happen.

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And the mindset work itself actually looks like embracing

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all of the practical advice about how to make decisions and how

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to say no, you actually want to practice doing those things that people

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advise. But in this case,

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when you do it, you aren't just following the advice, you are

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following the advice and paying attention to what happens

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when you do. Do any of the things that you were worried

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about happening actually happen?

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And even if they do happen, are you

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still okay at the end of it? And we can only do this through experience.

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We can only learn if our assumptions are false through experience.

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Because when you get free of these unhelpful assumptions

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and you've actually seen in real life that these assumptions aren't

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true, or at least they're not fully true, and these

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fears, they'll stop holding you back in the same way. And once that

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happens, that is when you'll find your momentum and

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keep it.

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