Feeling Broke on a Six-Figure Salary? Build a Budget That Reflects Your Vision

Align Your Money With Your Vision for Financial Freedom

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If you're earning six figures but still feel like your money is disappearing, the answer isn’t necessarily another raise or promotion. It’s a plan that aligns your income with your vision.

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For many women, budgeting feels like a list of rules meant to restrict your spending. But when you lead with your vision, your money starts to work for you, not against you.

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The problem isn’t budgeting in itself. It’s that most budgets are built backwards. They focus on cutting back, not building a life that reflects your values. When you align your spending with what matters most to you, you take back control. That’s how you build real financial freedom.

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My Turning Point: When the Paycheck Wasn’t Enough

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I know this firsthand because I’ve lived it.

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I hit six figures in my career and still felt like I couldn’t breathe financially. I was constantly paying off credit cards, trying to get ahead, but nothing stuck.

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I thought I was doing all the right things: budgeting in different ways, paying down debt, and trying to save. But it always felt like I was starting from scratch.

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What changed everything was getting clear on what I wanted for my life, my family, and my finances. I decided that my money had to support that—not just bills and debt.

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Once I aligned my spending with the life I actually wanted—financial freedom, flexibility, and peace—everything shifted. I stopped reacting and started planning. I paid off over $115K in debt and reached my first $100K in investments while still living a life I loved.

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Now, I help women build vision-aligned plans so they can experience financial freedom and ease too.

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Build a Budget That Aligns With Your Vision

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A powerful money plan isn’t built on sacrifice. It’s built on clarity and purpose. Here's how to align your money with the life you want:

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1. Get Clear on Your Vision

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Define what financial freedom looks like for you. Whether that’s more travel, quality time with your kids, or having the option to step away from your 9–5.

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2. Set Financial Goals That Match That Vision

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Name your goals and put real numbers to them. That might mean saving for a home down payment, investing $1,000/month, or paying off debt with intention.

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3. Let Your Values Guide Your Spending

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When you know what truly matters, your budget becomes a support system, not restriction. Every dollar serves your vision. That’s where ease begins.

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What It Looks Like When Your Budget Reflects Your Vision

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If your vision includes financial freedom and travel, here’s what a traditional budget might miss:

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Traditional Budget:

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• Rent/Mortgage: $2,200
• Utilities: $400
• Debt Payments: $1,500
• Groceries: $1,400
• Discretionary: $2,000
• Savings (if there’s anything left)

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See the challenge? The things that build freedom, saving and investing, come last, if at all.

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Now let’s flip the script.

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Aligned Budget Example:

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• Savings and Investments: $1,000
• Family and Travel: $500
• Rent/Mortgage: $2,200
• Utilities: $400
• Debt Payments: $1,500
• Groceries: $1,400
• Discretionary: $500

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When your budget reflects your values, you decide up front what matters most and you make space for it.

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Adjust With Intention, Not Emotion

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A vision-aligned budget isn’t about perfection. It’s a tool you use daily to stay grounded and make intentional decisions even when life throws a curveball.

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One of the biggest shifts? Planning before problems show up.

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When you set money aside for life’s little (and big) inconveniences—car repairs, last-minute travel, or a busted water heater—you stop treating every unexpected expense like an emergency.

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If your car breaks down and the repair is $600, you don’t panic. You ask:

• Can I adjust my dining out budget this month?
• Can I pause a non-urgent goal until next month?
• What trade-off lets me stay aligned with my bigger vision?

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You’re not scrambling, you’re adjusting with intention.

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That’s what saving is really for—not just the big dreams, but the everyday disruptions that used to knock you off track.

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When your plan is rooted in purpose, you stop making emotional money decisions. You stop relying on credit cards to fund the moment or cover an inconvenience.

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You’re in control because you already decided what matters most.

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Ready to Align Your Money with the Life You Want?

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You work hard. You earn well. But without a clear plan, even a strong income can leave you feeling stuck.

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When you lead with your vision and create a money system that reflects your values, your income starts working for you and builds a life that makes you feel free and in control.

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This is the kind of budget that builds real financial freedom.

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If you're ready to create a plan that finally reflects the life you want—one rooted in clarity, purpose, and ease—join MyBudgetCoach and choose me as your coach.

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Let’s make your money match your vision.

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Here’s to your financial freedom.