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Five Psychological Roadblocks To Seeing A Financial Planner ­ And Why Not To Act On Them

By Paula Charles, LMHC, LADAC

  1. Be fearful about money ­ it means safety and security. Safety and security are found in our "primitive brain."  Fear lives in the primitive brain and is driven by adrenalin. When you live in fear you are anxious and on guard. Your cognitive or thinking brain is literally blocked from functioning, and you cannot plan your financial future. Don't act on this because a financial planner can help you plan and relax by creating profitable financial habits ­ all this bypasses fear-based thinking!
  1. Don't become educated about your finances.  Avoid reading or learning about financial matters. This will ensure step number one! You might be saying "I don't understand this stuff anyway and I don't make a lot of money ­ so what good will it do?"  Don't act on this. This strategy wastes valuable time ­ time when you could be on your way to building financial security. Educating yourself and addressing the concern breaks the cycle of worry and fear in the brain.
  1. Don't break the family code. What did you learn about money from your parents? Scrimping? Worrying? Fretting? Did they pass this onto you? Don't act on this. If you break the code you will learn new financial ways to plan and your finances will grow...and relax.
  1. Don't save. What's the use? Your money has power. It is ominous and can cause embarrassment and shame. Don't act on this. If you learn how to save, you can turn the tables and make your money work for you.
  1. Don't get to know a financial planner. She could help you face all the above with facts and figures. She can also help your self and money grow because you are addressing a critical issue. ACT ON THIS!!

Paula M. Charles, LMHC, LADAC, is a licensed clinician based in Nashua, New Hampshire.  She can be reached at (603) 595-9499.

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