How to Build Financial Confidence (Even When You're Behind)

Written By Wendy Rimmelspacher

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Welcome!

Have you ever avoided opening your bank statement or credit card app because you were afraid of what you might find?

Even if you're smart, capable, and hardworking… financial shame can make you shrink away from the very conversations and decisions that could change everything.

In this episode of Dim to Daring, we're talking about what happens when money avoidance keeps you stuck in cycles of fear, guilt, and feeling perpetually "behind." And how to step into a completely different relationship with money—one built on self-respect instead of shame.

I'm sharing the story of my cherry red Mustang and one of the boldest financial decisions I made as a teenager—plus the mindset shift that transformed how I think about money from a tool of stress into a mirror of my values.

Let this be your reminder: You don't have to be rich to feel powerful. You just need to be present.

In This Episode, You'll Discover:

  • Why money avoidance costs you more than just late fees—and what it's really costing your confidence

  • The hidden messages about money you absorbed growing up (and how they're still running your financial life)

  • Why "money is a mirror" and what your spending actually reflects about your values

  • The difference between financial self-care and financial self-punishment

  • A simple 15-minute weekly practice that transforms money from threat to information

  • How to make financial decisions from self-respect rather than fear or shame

✨ If you've ever felt like everyone else has their financial life figured out while you're avoiding reality—this episode is your invitation to stop shrinking around money and start showing up with intention.

Timestamps:

[00:35] – Welcome! Why money conversations feel so loaded with shame 

[04:15] – The truth about money avoidance and what it's really costing you 

[04:28] – Why women have been taught to shrink around money—and why that stops now [05:18] – Money is a mirror: what your spending reflects about who you're becoming 

[05:50] – The cherry red Mustang story: choosing long-term growth over short-term comfort 

[10:58] – Real financial self-care vs. the bubble bath version 

[12:17] – The stories we inherited about money (and how to write new ones) 

[13:09] – Your new money practice: the weekly 15-minute touch base that changes everything [13:58] – The monthly CEO meeting with yourself 

[14:50] – Why financial confidence impacts every other area of your life 

[15:14] – Your power moment: ruling your money instead of letting it rule you

Key Points:

  • Money Isn't Dirty — It's a tool that helps you live your values, not a character flaw

  • Avoidance Has a Cost — Every time you avoid looking, you're telling yourself you can't handle the truth

  • Start Where You Are — You don't need more money to start respecting money

  • Progress Over Perfection — Life has seasons, and financial perfection isn't the goal

  • Self-Respect Over Shame — Make financial decisions from confidence, not fear

Episode Summary:

This episode tackles the emotional and psychological side of money that no one talks about. 

Through personal stories and practical strategies, we explore how to transform your relationship with money from avoidance and shame to awareness and intention. You'll learn why your financial struggles aren't character flaws, how your money habits mirror your values, and the simple practices that turn financial management from overwhelming to empowering.

Whether you're drowning in debt, avoiding your statements, or simply ready to feel more confident about money—this is your roadmap to financial self-respect.

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Remember:

You don’t need to earn confidence—it’s already inside you.
You don’t need to apologize for wanting more.
And you definitely don’t have to stay small to be safe.

Keep saying yes to aligned choices.
Keep choosing what lights you up.
And keep daring to expand into your most financially free and fulfilling life. 👠

Wendy Rimmelspacher
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