126. I Make Too Much to be This Broke: The Turning Point

Are you making a solid income but still feeling like you're drowning financially? You're not alone—and you're not broken.

In this powerful episode, Laura Sexton shares real stories from clients (including a surgeon and a lawyer!) who look successful on the outside but feel crushed by the weight of debt, obligations, and financial confusion. If you've ever said, “I make too much to be this broke,” this episode is your wake-up call—and your turning point.

In this episode you’ll learn:

• Why a high income doesn’t guarantee financial peace
• How clarity (not more cash) is the real key to confidence
• The 3 reflection questions that will help rewrite your money story
• What it means to take radical ownership of your financial future

You don’t have to stay stuck. You just have to decide.

🎯 Ready to stop feeling overwhelmed by your income and finally take control? Book your free clarity call now: AccelerateYourLegacy.com/claritycall

Learn more about working with Laura Sexton

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Send an email to Laura@AccelerateYourLegacy.com or send a DM on Instagram @accelerateyourlegacy

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Transcript

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Laura 0:02

hello and welcome to money and career mastery from overwhelmed to ownership. I'm Laura Sexton, your abundance and legacy coach here to help you navigate the world of money, debt payoff, and career growth with confidence and clarity. In this podcast, we'll tackle the financial and career challenges, holding you back, optimize your income and build the freedom that comes with true ownership. If you're ready to break free from overwhelm, create a budget that aligns with your values and design a legacy that empowers future generations. You're in the right place. I make too much money to be this broke. Hey, accelerators, welcome back to the podcast. Today we are going to be talking about that statement and what it means to me and what it means to a lot of the people that I work with. You see, I make too much money to be this broke is something that I hear all the time, but it's not a failure. It's a turning point. I want you to know that if you've ever felt this way, I have too. And I've talked to people all the time that tell me the same thing. I make too much money to be This broke this week. I talked to Paul and Ina, he's a surgeon, she's a lawyer. What they said to me was they have nothing to show for it. All that hard work, those extra years of college and education and residency and trial practice and all of the work that they have put in and they said they have nothing to show for it. Sure. They look like they're doing well. They've got the fancy cars and the nice house and they wear all of the nice clothes, but their net worth is still negative. They feel like they work so hard to barely get by. It's terrible, but I know exactly how they feel. Before we started this journey in 2016, my husband was making a really solid income. I was able to come home from work. I could take some time off, but the payments, they were piling up. And I had my head in the sand. I wasn't paying any attention to it. Bill came in, I wrote the check, he got out to eat. No big deal. We didn't have the money in the account today so we could put it on a credit card. We were normal and normal sucks. I didn't know that I was broke. I didn't feel the pressure of it. But eventually all of the obligations made it impossible for me to get ahead. And then I realized what we were actually facing, $372,347 of past decisions that were coming home and demanding to be paid for. It is really easy to outrun your financial mistakes for a while, but eventually they will catch up to you. They catch up to all of us. A high income doesn't always mean high confidence. I work with too many high income individuals to ever believe that they could be associated, but I know how to fix the gap. Your income can create a false sense of security that hides deeper, deeper financial habits. I have a couple that I work with that make over $20,000 a month. You may hear that and be like, I'm sorry, what? I make that every six months how they make $20,000 a month and they spend $22,000 a month. That's how they're not getting ahead, and you see that is finally caught up with them and they had to actually consider bankruptcy. Can you imagine having that high of an income and have to consider filing bankruptcy? Your confidence doesn't come from the money that comes in. Your confidence comes from clarity. It's not about how much you make, it's how you manage what you make. When I talked to Paul and Ina this week, I gave them one really blunt truth, and I wanna give this to you as well. Coming from a former ostrich me, I used to have my head in the sand. I wasn't paying attention. I looked at Paul and Nina and I told them that they had a decision to make. They could either keep pretending that they were okay and continue to feel overwhelmed, or they could face the numbers, own their story, and choose a new direction. They couldn't put their head back in the sand. There's no red pill, blue pill situation here. There's no option. Now that you were staring it down and looking at the truth, you don't get to decide you don't wanna see it anymore. I've painted this picture for you. It's bright, vibrant colors right in front of your face. You are going to suffer long-term because you are not paying attention to your money. Or you can choose today to make a change, but you can never go back to not realizing. You have to make the choice. It's completely up to you, but you can't pretend like you don't know what your options are. Ownership. Ownership of the situation. That is the antidote to overwhelm. I know what it feels like to be overwhelmed. I know what it feels like to be drowning, and it was not after I finished paying off nearly $400,000 of debt, that I became calm. That money began feeling easy. It was the day that I decided. I was no longer going to let life happen to me, but I was instead going to happen to life. When I took ownership of my situation. The day that my husband said that we were going to have to talk about filing bankruptcy, it never got past that. It never got past him saying, well, we need to look at this. We never looked up what it looked like to file. We never called a bankruptcy attorney because we decided that day that we were in charge of our future and that we were going to make a change. That is the day that I changed my life, not the day that we finished. Not the day we crossed the finish line. No, no, no. The day we decided that we were going to run the race, that's the day I won. And I want this to be the same day for you too. When you stop blaming the math, you stop blaming the market. You stop blaming the moment that you're in. That's when you gain the power to shift everything. It's a hundred percent in your control. You just have to take ownership of it. There's one truth that I want to talk about quickly, money story. Now, you may be asking about what a money story is. In simple terms, it's the story we tell ourselves about money, but in more complex terms. It's what we learned about money growing up. It's how we've handled money over a period of years. A lot of times people come to me and inside their money story, there's a lot of shame and guilt. Shame is going to keep you stuck. So I want you to look at your money story and we need to get clear on what is actually happening because clarity is going to set you free. When people feel shame about a situation, I like to take a step back and look at that situation. What is the actual circumstance and what are your thoughts about that circumstance? Because the circumstance, we can't change anything about what has happened in the past, but your thoughts about that are going to cause your feelings. That's where the shame comes in. So I need to change your thoughts around the circumstance. That's where we're gonna get clear what actually happened, what was our actual role in this, and once we gain that clarity, we can also receive freedom from that. Shame. You are not broken. If you're listening to this today and you're hearing. I make too much to be this broke. I have nothing to show for it. And there's this negative connotation how you feel about your money. You are not broken. You're normal, but normal sucks. So let's find something that we can do better. Let's find a better system for you. Let's find better support. So I wanna ask you to take a look and reflect on your money story by asking yourself these three questions. First, what are you avoiding looking at when it comes to your money? What would it feel like to be in control again of your money? And what does thriving look like to you? Not just surviving, but thriving? What does that look like? When we get clear on these things, we'll be able to better implement a system. But when it comes to the support, the support that you need, if you feel like you're not getting it from the people around you, I want you to join me in my Money Mastery program. This is how you are finally going to take ownership of your financial future. You can do that by scrolling down in the show notes and clicking the connect with me button. You can go to accelerate your legacy.com/clarity call. Let's gain some clarity around where you wanna go. Ultimately, you are in control, and as of right now, you have heard me say you either get to, intentionally choose to not pay attention and allow yourself to continue to stay in the overwhelm, or you can face your numbers, own your story, and choose a new direction. The choice is completely up to you, but as of right this moment. You have to make a choice, and by not making a choice, you are choosing to put your head back in the sand. You are making a choice. So which one do you want to take ownership of? Whichever one you choose. You own it. You've made the choice. If you want to take ownership of your money and ownership of the legacy that you are going to be leaving. Let's jump on a call. Accelerate your legacy.com/clarity call. Let's chat, because I guarantee you, if you put some simple systems in place and you stop spending more money than you bring in, I promise you, you will start to win with money and eventually money will feel easy. All right, accelerators, that's it for this week. You get to choose, go out and make a difference. thank you for spending time with us today on Money and Career Mastery from Overwhelm to Ownership. Remember, your legacy isn't just about financial freedom. It's about living with purpose, taking action, and building a foundation that lasts for generations. Don't just listen, implement what you've learned and share it with someone who could use a financial or career breakthrough. If you found value in today's episode, help us grow by rating, reviewing, and sharing the podcast. I'll be back next week with more strategies to help you master your money and career. Until then take ownership of your future and build your legacy with intention.