Deeply Invested: Manage Money, Budget, Save, Invest, Build Wealth
Sep 15, 2026 · 27 min · 11 segments
Before anyone can fix a budget, invest, or pay off debt, they have to get past a reflex: hearing a plan and instantly listing every reason it won't work — before giving it a single reason it could…
Megan, has anyone ever come to you for financial advice, maybe about budgeting, asking for a raise, investing, and before you even finish giving them your advice they're like, "Oh, I can't do that.
I can't do that," and they already have multiple reasons why it wouldn't work for them?
Yes.
This happens so often.
It happens-
It happens so often.
Yeah.
I have it happen as well, where I hear people saying that they can't do it before even looking into the reality of what you're maybe asking them to do, and this behavior isn't a one-off reaction, it's a reflex.
This could be the single biggest reason financial progress stalls, a reason that's bigger than just your income, bigger than knowledge, bigger than finding the right system.
Today we're naming that reaction or that reflex, and we're going to show you exactly where it's already running the show in your money life when it comes to your income, budgeting, saving, investing, and debt, all five of them.
And make sure you come back next week, because next episode we'll actually be giving you the tools to talk back to it and to work through that reflex.
So when you were just talking, the one thing I was thinking about, so we obviously come from the same background of financial planning in a corporate environment, and I also think we both have the same personality of like, okay, with our personal finances, we're gonna figure it out and, you know, it's not gonna be a no, but we'll come up with a plan.
Mm-hmm.
And everyone has different personalities, different backgrounds, different ways their brains think, and I'm wondering if it comes so naturally to us because we're trained on putting together, like, a corporate financial plan.
Like, we're coming up with different scenarios and options to get there, and just because, you know, maybe you set a goal to reach X, maybe you'll land just shy of that, right? And that's okay, but you are shooting for that bigger goal in looking for it.
And I think sometimes people have a hard time of like, "Well, I can't get to saving $100,000, so I'm just not gonna do it at all."
Yeah.
Well, maybe you set the goal of $100,000 to save, and maybe you wind up with 75,000.
You're still way better off than at zero.
And I, I don't know, like, y- I would love to hear your thoughts 'cause I just, I don't know, that's what was going through my brain as you were talking.
If you saw my wheels turning and my brain-
Yeah.
[laughs]
... going, blah, blah, blah.
A little bit.
Megan, has anyone ever come to you for financial advice, maybe about budgeting, asking for a raise, investing, and before you even finish giving them your advice they're like, "Oh, I can't do that.
I can't do that," and they already have multiple reasons why it wouldn't work for them?
Yes.
This happens so often.
It happens-
It happens so often.
Yeah.
I have it happen as well, where I hear people saying that they can't do it before even looking into the reality of what you're maybe asking them to do, and this behavior isn't a one-off reaction, it's a reflex.
This could be the single biggest reason financial progress stalls, a reason that's bigger than just your income, bigger than knowledge, bigger than finding the right system.
Today we're naming that reaction or that reflex, and we're going to show you exactly where it's already running the show in your money life when it comes to your income, budgeting, saving, investing, and debt, all five of them.
And make sure you come back next week, because next episode we'll actually be giving you the tools to talk back to it and to work through that reflex.
So when you were just talking, the one thing I was thinking about, so we obviously come from the same background of financial planning in a corporate environment, and I also think we both have the same personality of like, okay, with our personal finances, we're gonna figure it out and, you know, it's not gonna be a no, but we'll come up with a plan.
Mm-hmm.
And everyone has different personalities, different backgrounds, different ways their brains think, and I'm wondering if it comes so naturally to us because we're trained on putting together, like, a corporate financial plan.
Like, we're coming up with different scenarios and options to get there, and just because, you know, maybe you set a goal to reach X, maybe you'll land just shy of that, right? And that's okay, but you are shooting for that bigger goal in looking for it.
And I think sometimes people have a hard time of like, "Well, I can't get to saving $100,000, so I'm just not gonna do it at all."
Yeah.
Well, maybe you set the goal of $100,000 to save, and maybe you wind up with 75,000.
You're still way better off than at zero.
And I, I don't know, like, y- I would love to hear your thoughts 'cause I just, I don't know, that's what was going through my brain as you were talking.
If you saw my wheels turning and my brain-
Yeah.
[laughs]
... going, blah, blah, blah.
A little bit.
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