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UPLift Challenge – Financial Mindset – Day Twelve: Getting Some Perspective

Some people see the glass half full. Others see it half empty. I see a glass that’s twice as big as it needs to be. ―George Carlin

Okay, so now you know your set points. And if you did the work last week, you also know a few of your core beliefs, and how they have affected your financial behaviors and outcomes. Before you start working on changing your set point, it’s important for you to really see how all this information about yourself fits together. 

Your upper limit on income arises out of your core beliefs, and it affects the ups and downs of your financial life. Your lower limit on lifestyle affects how you bounce back from hardship and where you land once you’ve fully recovered. And your debt set points show you not only what you’re willing to risk as you move between the two poles, but also how you may be making sure that you never surpass your subconscious comfort zone.

Today, you’ll put the whole package together. Pull out all the work you’ve done so far and spread it out on a work surface or the floor. Now take a fresh look, this time through the lens of your set point limits.

How do your money stories, for instance, reflect your set points? In your future story, can you see ways you may not have shot for the moon after all, and does that have any relation to your upper limit and your debt set points? What about your current story? Can you see how it might have been a result of the subconscious need to keep yourself in your comfort zone? And with respect to your childhood story, how might those experiences have put your set points in motion?

This is deep work you’re doing, so don’t push yourself too hard. Just see if you can catch a glimpse. Once you see it, you won’t be able to unsee it. 

And once you have a concept of set points, you’ll begin to notice them often. You’ll catch yourself in the process of putting a purchase on your credit card, remember your set point, and think about whether you really want to do that. You’ll catch yourself about to low-ball a salary requirement, realize that’s your set point in play, and raise it to what you’re really worth on the market.

Here’s the thing. The power of a set point is that it’s unconscious. Once you begin to make it conscious, then you’re in charge. And won’t that feel good!

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My name is Achsha Jones, I’m a thirty-eight-year-old “Xennial” (Gen X/Millennial cusp), native and current Detroiter. This is #MyRenaFiStory. I have two daughters, twelve and six, and a fifteen-year-old stepson. In the last decade, I’ve filed for bankruptcy and divorce, remarried, had another child, changed careers twice, purchased a home and went broke. Telling the story of how my upbringing and experiences of almost four decades have brought me to my present state is complicated and lengthy so I’ll give you the Readers’ Digest version.

Growing up in 80s Detroit, I saw a lot; the city was heavily segregated and losing thousands of residents every year. There was an annual tradition of massive arson lasting up to a week that would begin on “Devil’s Night”, the night before Halloween where hundreds of buildings were set ablaze.


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