Taking Charge of Your Money, Confidence & Future
Hi friend,
7 years ago, my divorce forced me to take ownership of my finances.
At the time, it felt extremely intimidating. I was already rebuilding my life, raising three boys and trying to figure out who I was in this next chapter. Now I also had to understand investments, budgets, cash flow and monthly reconciliations.
There was so much I didn't know.
Last month I used AI to help me step back and analyze my entire financial picture. I expected a conversation about investments and spending. Instead, it reflected something much bigger.
I sat down looking for practical answers. Was I spending intentionally? Were there smarter decisions I could be making? Could my money work harder?
Instead, I found myself reflecting on something completely different. Looking at everything in one place, I realized my finances were telling the story of the woman I've become.
I saw someone investing in experiences with her boys while they're still all under one roof.
Someone choosing health, learning and meaningful work.
Someone intentionally building a life that feels aligned with what matters most.
That wasn't something I had set out to prove. It was simply there. And it made me proud.
Over the past 7 years, every question I've asked, every financial decision I've made and every new thing I've learned has quietly built something far bigger than financial knowledge.
It built trust in myself.
I've also come to believe that more women need to have open conversations about money.
Not to compare incomes or impress anyone.To ask questions. To learn. To understand our options. To take ownership of a part of our lives that can feel overwhelming.
For many of us, we've spent years carrying the mental load of family life while someone else took care of the finances. That was certainly my experience.
Taking ownership of mine has been one of the most empowering things I've done.
It didn't happen overnight. It happened one decision at a time
THIS MONTH’S INSIGHT
I don't think this conversation is really about money. I think it's about authority.
So many women spend years becoming the CEO of everyone else's lives. We manage the family calendar. The school forms. The appointments. The holidays. The emotional wellbeing of everyone around us. And our own work.
Meanwhile, investments, retirement planning or long-term finances often become someone else's responsibility.
Whether you're married, divorced or single, I believe every woman deserves and needs to understand her own financial life.
This is not coming from a place of fear prepping for the worse case scenario. It's because understanding and knowledge creates choice.
Choice creates confidence.
And confidence spills into every other part of your life.
Looking back, I'm genuinely grateful. It taught me something much bigger…It taught me that confidence is built every time we're willing to learn something we once believed was beyond us
I've seen this over and over again in coaching.
When a woman starts trusting herself in one area, she starts trusting herself everywhere.
3 WAYS TO TAKE YOUR AUTHORITY BACK
1. GET CURIOUS INSTEAD OF INTIMIDATED
You don't need to overhaul your entire financial life this weekend. Start smaller.
You just have to be willing to ask one more question than you asked yesterday.
And I'll take it one step further - keep asking questions until you get it.
Yes I know it can feel embarrassing we don't get it but who the heck cares.
Our future matters more than what our own insecurities are getting loud about.
2. UNDERSTAND ONE THING YOU’VE BEEN AVOIDING
One investment.
One savings account.
One retirement statement.
One monthly expense.
Confidence grows through understanding, not perfection.
3. REMEMBER WHAT THIS IS REALLY ABOUT
You're not learning finances so you can become an expert.
You're learning because your future deserves your attention.
Every question you ask is another step toward trusting yourself and the door to agency.
Why This Matters
*
Why This Matters *
Money is rarely just about money. It's about understanding your options.
Feeling confident enough to ask questions. Making decisions from a place of clarity instead of avoidance.
Whether you're married, divorced, single or somewhere in between, taking ownership of your finances isn't about becoming an expert.
It's about becoming more engaged in your own life. Because every decision you make strengthens something much bigger than your bank account. It strengthens your trust in yourself.
CATALYST PROMPT
This week, I want you to sit with this:
Where in your life are you waiting until you feel more confident before taking the next step?
What would change if you trusted yourself enough to begin
learning instead?
Micro steps → Support over self-management.
1. Schedule 30 minutes this week to review one part of your finances. (Swap it out with the Gram reel scroll.)
2. Write down three questions you've been meaning to ask your financial advisor, accountant or partner.
3. Celebrate one decision you've made this year that reflects the woman you're becoming.
3 MICRO MOVES
1. Ask the questions.
I stopped worrying about looking uninformed and started asking the questions I needed answered. Every conversation taught me something new and helped me make better decisions.
2. Know your numbers.
I put everything in one place so I could see my full financial picture. Clarity replaced the stories my mind was making up. (I use the Monarch finance app.)
3. Make it a monthly habit.
I review my finances every month. Not because I enjoy spreadsheets, but because staying engaged helps me feel informed, intentional and in control. It also helps keep those pesky critical stories at bay - I lean on the facts.
4. Learn from people you trust.
I surrounded myself with advisors and people who were willing to explain things without judgment. You don't have to figure everything out on your own.
5. Remember: confidence follows action.
I didn't wake up one day feeling financially confident. Confidence grew every time I asked a question, made a decision or learned something new. It was built one step at a time.
WHAT ACTUALLY HELPED ME BUILD THAT CONFIDENCE
CATALYST EXPERIENCE
IN CASE YOU MISSED IT SOMETHING NEW IS COMING...
I’m excited to be partnering with Patra Health on a new 12-week women’s health experience bringing together weight management, muscle building, GLP-1 support, preventive health and the mindset and life changes that help make it all stick.
I’ll be joining founders Petra Lindquist, BSN and Lynda Greenberg as the mindset coach for the cohort, helping women connect the physical changes they’re making with how they actually want to live, feel and move forward.
When we feel stronger and healthier, we have more energy and confidence for everything else we want from our lives.
Limited to 15 women.
Message if curious to learn more as we release details.
If you still don't know exactly what you want, don't make that mean there's something wrong.
You might just need to start paying attention differently.
To what gives you energy.
What you envy.
What you keep thinking about.
What you've outgrown.
What you're curious enough to try.
Then move toward one of those things and see what happens. You can change your mind. You can decide something isn't for you. You can try something else. It's not set in stone.
This is exploration.
And please...have some fun with it. Tell me what it is and I can be your accountability partner.
If there’s a woman in your life who keeps saying, “I just don’t know what I want anymore,” send this to her.
Chances are, she needs to know she's not the only one figuring it out.
With you in it,
Lucy
P.S. If this landed, you’re not alone. So many women are sitting in this exact space right now. And sometimes one honest step is all it takes. Please share.
P.S.S. How I Can Support You in 2026
If “I don't know what I want” has had you circling for months, this is exactly where we can start.
→ Start with a 30min Fit Call
We’ll name exactly where you are, what’s keeping you stuck, what needs to shift and if I am the right support for you.
→ Next Chapter Roadmap (90min 1:1 intensive)
Deep dive to cut through the noise and map your next step
→ 1:1 Coaching (Next Chapter Catalyst)
Where we build real, lasting change - with support and accountability