She Looked at Her 401k... And Panicked

Hey Beautiful Mama! 👋

I witnessed something a couple of weeks ago that literally gave me goosebumps...

Tresa Todd had built her entire identity around security.

For 25 years, she worked in the medical field.

Steady paycheck? Check.
Retirement plan? In place.
Predictable future? So she thought.

Until that Tuesday morning when curiosity led her to actually look at her 401k projections.

The stark reality hit her like a physical blow…

At her current pace, she would completely run out of money just seven years into retirement.

In that moment, Tresa faced the crossroads we all eventually meet:

Stay comfortable in the familiar (but insufficient) path...

Or step into the scary unknown with the possibility of something better.

At 50 years old.

When most people are settling in… Tresa chose to leap!

She didn't have all the answers.
She didn't feel "ready" (not even close).
But she took that first brave step anyway.

Today? She's built a thriving business that's helped thousands of women transform their financial futures.

More importantly, she's created a completely different financial story for her children and grandchildren.

All because she refused to let fear make her financial decisions.

The Wealth-Building Truth Most Women Miss

It's easy to believe the myths about financial success:

• "I need the perfect plan before I start"

• "I'll feel confident once I learn more"

• "Playing it safe is how responsible moms handle money"

But Tresa's story reveals something powerful:

Confidence doesn't come before action.

It comes from taking action while you're still scared.

Tresa shared an eye-opening story that perfectly captures why so many of us stay stuck:

Scientists placed fleas in a mason jar with a lid. At first, the fleas constantly jumped, hitting the lid repeatedly.

After a few days, something fascinating happened…

They recalibrated their jumps to stay just below the lid's height.

Then came the remarkable part: even when researchers removed the lid completely, the fleas continued jumping to the exact same limited height.

Even more telling? Their offspring never jumped higher either, despite there being no actual barrier.

Mama, you were designed to jump so much higher than you believe.

The only ceiling limiting your financial future is the one you've internalized from past experiences, family patterns, or societal expectations.

And you can break through it with one decision today.

3 Financial Habits That Transform Family Trees

Want to start small but mighty? Here's your simple pathway forward:

1. Write down three financial habits you want to develop
   Examples: Automatically save 5% of every paycheck. Learn one new investing concept weekly. Start a side business with 3-5 hours per week.
   
   

2. Choose just ONE to focus on first
   Circle it. Highlight it. Put a heart by it. Pick whatever excites or challenges you most.
   
   

3. Take your first micro-action TODAY
   Set up that automatic transfer. Register for a free workshop. Spend 30 minutes brainstorming income ideas that leverage your existing skills.

Small, consistent actions break generational patterns.

Those tiny steps today?

They're tomorrow's financial freedom.

Starting When You're Nervous
(Maybe Even Terrified)

If your heart beats faster just thinking about changing your financial approach—that's actually perfect.

That flutter of fear? It's standing guard at the doorway to everything that matters.

Here's your simple starter plan:

• Choose one tiny first step
  Make it so small it feels almost ridiculous not to do it
  

• Do it within 24 hours
  Before your brain creates elaborate reasons to wait
  

• Celebrate yourself extravagantly
  This step matters more than you realize… Your brain needs to associate action with reward

Remember…

You don't need to see the entire staircase.

You just need enough light to take the next step.

The Deeper Why Behind Financial Confidence

This journey isn't actually about money.

It's about what financial confidence creates space for:

• More present moments with your children, where you're not mentally calculating expenses

• More capacity to say yes to their dreams (and your own)

• More generational possibilities instead of repeated struggle

When you break the pattern of financial fear...
You don't just change your life.
You change theirs, too.

And Beautiful Mama…

Isn't that worth feeling uncomfortable for a little while?

Your Simple Action Steps This Week:

1. Set a 5-minute timer and write your three potential financial habits

2. Circle ONE to begin with

3. Take your first micro-step today (yes, today!)

4. Celebrate what you just set in motion for yourself and your family

I hope you enjoyed reading this as much as I enjoyed bringing it to you. I look forward to watching you and your family thrive!

With love and gratitude,
Chelsey 💕

P.S. Ready for personalized guidance on your family's financial freedom path?

We're offering a limited number of FREE Family Freedom Design Sessions this week!

→ [BOOK YOUR SESSION NOW] ←
(Only 12 spots remaining!)