"I'll feel safe when I make more. When I hit X amount, I'll finally relax."
Then you hit the number—and your nervous system didn't get the memo.Most high-achieving women never define what enough means. So they keep living in "not there yet," even as their life objectively improves. The bank account grows. The opportunities expand. But the anxiety stays the same.That's not because you're broken. It's because your brain needs a specific target to tag as "safe."
The Hidden Cost of Money StressMoney stress isn't just uncomfortable—it's expensive from a brain energy standpoint. Research shows money stress reduces mental bandwidth and makes it harder to plan, focus, and make thoughtful decisions.That loop—"How am I going to make this work?"—pulls focus away from creativity, strategy, and long-term thinking. It keeps you stuck in short-term reacting, firefighting, and doom-scrolling your bank app.
When you never define enough, your brain can't tag "safe now." So it stays in low-level alert, even if the numbers are better than ever.
The Three Numbers Framework1. Your Safety Number: Monthly income where basic needs are covered (housing, utilities, food, transportation, minimum debt, healthcare, small buffer). Ask: What number would make my system stop feeling like every bill is an emergency?
2. Your Stability Number: Safety plus breathing room. You're supported (lifestyle upgrades, generous food budget, travel, savings, buffer for kids/pets/hobbies). Ask: What number feels like "I'm okay. My life is resourced"?
3. Your Expansion Number: Where you can invest, give more, buy back time, and take bolder moves with less stress. Ask: What number lets me play, invest, and give from overflow?This is not about impressing anybody. This is about being honest.
The Nervous System Reality CheckSay each number out loud. Notice your body: Does your belly soften or clench? Chest expand or tighten?You're listening for:
- Collapse: "That's impossible."
- Neutrality: "Yeah, that could happen."
- Quiet Excitement: "That would change things."
- Stop saying yes to panic projects for quick cash
- Stop undercharging out of fear
- Stop obsessively checking accounts
- The number
- Three feelings you associate with it
- Three actions that would flow from that version of you
Research shows when we're highly activated, brains default to short-term survival choices. When regulated, we access long-term strategic thinking.
If your expansion number sends your system into shutdown, we don't build your next 90 days around it. We build around the highest number that feels possible and safe enough right now.
Where Are You Now?
Below safety? Focus on stabilization, income consistency, reducing chaos.
Between safety and stability? Strengthen the floor, free up space.
At or near expansion? Shift from "make more" to "hold, manage, direct more without burning out."
Ask: What's one lever I can pull in 30-60 days that moves me closer?Earning more? Spending differently? Saying no to drains? Asking for a change at work?
The Counterintuitive Practice: Living "As If"Even if you're not at your safety number, experiment with living as if you are emotionally already there.
Ask: If I believed my safety number was secured, how would I make decisions differently?
Maybe you'd:
You're not pretending numbers don't matter. You're refusing to let worst-case anxiety run every decision.
This Week's Reflection Which number—safety, stability, or expansion—will I organize my next 90 days around? What does my nervous system say?Write down:Let this be a conversation between your spreadsheets and your body—not a debate where your body always loses.
The Bottom LineYour wealth isn't just about how much you make. It's about the relationship your system has with "enough."
When you define it clearly and anchor it somatically, you give your brain permission to stop scanning for danger and start focusing on strategy.