In this post, I’m mixing things up a little bit …

The content of this conversation is between a coach and someone considering coaching.

The context is how our thoughts create self-limiting stories that impose perceived obstacles that, if we believe them, have the potential to stop us reaching our full potential.

I encourage you to read it with a beginner’s mind and see what personal insights arise as you go through it.

It may also be valuable by ‘swopping’ the content and replacing it with something you currently ‘think’ you can’t seem to overcome, or an opportunity you can see but are not sure where to start to create It.

I hope you enjoy reading this and it inspires a personal insight or two about how you may be limiting your own thinking … which is very human, by the way … I do it all the time!

Love and wellness,


The backstory …

After spending time with a coach and experiencing a taste of what it would be like to partner up with them to develop their life they suddenly change their mind once money comes into play … this is very common when people bring money into an exchange of value … which is essentially what money is for … to facilitate an exchange of value.

The conversation …

“I’m in.”

“Great. So, in order for us to get started what I require is for you to make the bank transfer. Once that’s received we can begin our work together.”

“Oh, erm, okay, the thing is … I am ‘in’ but I don’t have the cash at the moment. I just don’t have that kind of money lying around”

“That’s okay. One day, you may wake up and will have had enough of things being the way they are. Then, you’ll be ready, and, when you’re ready you’ll be creative enough to find the money. And, when you do, you’ll really be ‘in’ and I’ll still be here.”

“Well, yes, but, is there any way of paying less? Or perhaps paying you after we work together, once I see results? Thing is, I really want to start now and know that working with you will transform everything. My business, my life, my marriage, my health, my finances, my relationships. I can see it all now and want to get started.”

“Okay, I can see you’re keen to get going and I love that. So, create the money, transfer it and we can begin.”

“Let me think about it and I’ll come back to you.”

“Okay, but thinking about it isn’t going to help you. What’s going to help you is creating the money and getting the guidance you know will help you create a different future for yourself. And then going ‘all in’ with the coaching.”

“I can’t just ‘create’ money.”

“Yes, you can. You only ‘think’ you can’t. And, your thinking is the very thing that has gotten you to this place, and it’s done well, but the same level of thinking that got you here isn’t going to get you where you want to go.”

“What do you mean?”

“Well, the very best thinking that’s been available to you got you to where you are today, and it’s done a great job but it has limitations, like a glass ceiling. If we slow down a little to a few moments ago, before you remembered that I am a professional coach and charge a professional fee for what I do, you were ‘in’. You saw the possibility of what you could create for yourself that would change everything for you and make your experience of life more fulfilling, joyful and prosperous. Remember?”

“Yes … go on …”

“Then, your thinking kicked in, most probably driven by an underlying fear, and everything you saw, all the possibility of how your experience of life could transform went out of the window and you started to worry about money. The feeling of ‘I don’t have the cash’ was driven by your thinking. So, if you’re open to it, we can take a look at your thinking as I feel it may be useful, but only if you want to.”

“But you don’t understand, I don’t have access to that kind of money.”

“Yes, you do.”

“No, I don’t. Take a look at my bank account.”

“I don’t need to see your bank account because that won’t serve you. What would serve you is if we slowed down and took a look at your thinking. Are you open to doing that?”

“Okay, guess I’ve got nothing to lose.”

“I agree, and I like your openness to explore. As humans, we have access to an infinite amount of creativity and that’s what I’m referring to. If you were really ‘in’ and ready to transform you would find a way to create the money. And, it doesn’t matter where the money comes from but the very thought that you couldn’t create it or can’t create it is the very problem that’s stopping you from creating other things in your life. You’re stuck in a paradox … all driven by thought.”

“You’re right, but if I take that money from somewhere else it means that I won’t be able to afford other things in my life, and the business cash flow would suffer, and I may not be able to pay school fees, and I have a tax bill coming up, and we are going on holiday soon, and I’m not sure how I’ll get it past my business partner, and my wife isn’t sure what I’m paying for. You don’t understand.”

“On the contrary, I do understand, and that’s why we’re talking. I understand that you have a gushing water fountain of thoughts flowing through you that’s endlessly concocting all these vivid stories, scenarios, and images in your mind about how you can’t afford to invest in yourself. You are attaching to those thoughts and actually believing them to be true. And, if it’s happening with this small piece of content, such as investing in guidance to help create a brighter future for yourself, your business, and your family, the odds are pretty high that it’s happening elsewhere in your life, too. That’s how it works. In other words … can you be 100% sure that every claim you just stated is absolutely true?”

“What do you mean?”

“30 minutes ago, after we finished our coaching session you saw possibility, hope, and a way forward for you that could change everything for you. Not only you, but also your business, your team, your wife, your children. Remember?”

“Yes, I still see it, all of it, and want it. It would make such a difference in all areas of my life.”

“29 minutes ago, when you remembered there is an investment required to do this, everything changed. Why? Because all the stories and money fears you chose to believe from the thoughts you were having were then placed in between you and your new future like some kind of cardboard cut out of a horror story that would happen if you invested in yourself. Creating an overwhelming obstacle that felt too large to overcome.”

“Well, when you put it like that, it makes sense. And, everything I said feels true to me. I know my situation better than you do.”

“You do, nobody feels your current situation as you see it better than you. Like all of us, you are living in the feeling of your thinking and in the space of 60 seconds, after you remembered there is an investment required to commit to changing the way things are for you, everything switched from ‘possibility’ to ‘cost’. But, the reality is that nothing has changed apart from the way you’re seeing coaching as a financial burden you can’t afford vs. the very thing that would create more prosperity, wellness, success and fulfilment. Coaching isn’t a cost on your P&L unless you make it cost on your P&L. The investment required only becomes a financial cost or burden if you make it a financial cost or burden. Things only become things if you make them things, through your thinking. Can you see that, or am I talking a different language?”

“It kind of makes sense, I think.”

“Good. So, if you went back to your original thinking where you related to coaching being an investment in your most critical and valuable resource to grow and develop … which is YOU … how does that feel?”

“It feels fun, exciting and full of possibility.”

“Okay, good, but nothing has changed. Just me and you, two humans, having a conversation. And, the only thing that has changed, even in that small moment, was your thinking.”

“Huh … yes … I can see that now, wow … that’s crazy.”

“Or, rather than crazy, I call it very human. I do it all the time. If you break through your mental glass ceiling and see life a different way then everything changes. You’re no longer going to be the person trying to avoid getting wet in the water fountain of your thoughts you’re going to be the one dancing in the water with a smile on your face.”

“Hmm … so how can I ‘create’ the money?”

“I don’t know.”

“But you’re a coach, you’re supposed to know.”

“No, that’s not true. I know one thing as a coach and that is that you already know how to create the money … by slowing down and trusting yourself and the infinite resources that lay ‘inside you’ through the power of thought … if you get beyond the surface level fear-related money thoughts.”

“If I know, tell me how I find out.”

“I can do better than that, let’s find out together, coming from the wonderful blank canvas of ‘I don’t know’ … which is always a lovely place to create from … sound good?”

“I don’t know ..!”

“Great! Me neither! So, let’s have a brainstorm. How can you create the money to invest in yourself?”

“Well … erm … I have some savings, I could take some from that.”

“Good, how else?”

“There’s a new initiative I’m about to launch with some of my clients that will bring in additional revenue to the business and if I added more value and tweaked the price and increased it to 15% more it would bring in another lump of cash to invest.”

“Great, how else?”

“Assuming I could put the coaching through the business, as you will be helping me with the business, I could get tax relief on the investment and claim back the VAT.”

“Good, how else?”

“Well, I’m still a little short, perhaps we could do a shorter commitment so I can get started right away and then, whilst we’re coaching, I could create extra money to continue when our agreement ends.”

“Nice, how else?”

“I could go through my business and personal bank statements and see where there are some efficiencies to be made, I have always wanted to do that but never got round to doing it and I’m pretty sure there’s a lot I’m spending that’s a waste of money. I spend a fortune on coffee and drinks at the pub.”

“Good, and those savings you’ll discover will not only go towards coaching but also last a lifetime … I call this the compound interest of financially managing yourself.”

“That all makes sense, I get it. I can now see how I can create money for coaching rather than ‘think’ I can’t afford it.”

“I’m glad you can see it now. And, let’s not forget that the coaching can have a focus on revenue generation for you and your business, too. Once we get started if we focus time and attention on this area it will grow as anything does. So … how does it feel now to imagine investing in coaching?”

“Okay, I get it, I’m ‘in’.”

“Good, me too. And, remember … the only problem you have is that you actually believe you are your thoughts. Thoughts are a never-ending water fountain spurting out  through by an invisible energy. They never stop. But, when you learn to see that you are not your thoughts you can start to watch them and then choose which ones to believe and which ones to let go. Which train to catch and which one to let run by you on the platform of life.”

“I kind of get that but it also sounds different.”

“It is different, most people don’t relate to life in this way. What’s happened here over the course of our conversation is you’ve started to let go of the limiting stories you were telling yourself about how you didn’t have access to the money required to invest in yourself and started to explore creating new stories based on your ability to be resourceful to create the money. All it took was five minutes of us talking for this shift to occur and when it did you stopped worrying about getting wet and started enjoying dancing in the water!”

“I love dancing! Although I’m not very good at it.”

“Don’t worry, you’ll get better, with practice. Imagine what we could create together over the next six months through working in this area of mindset and creativity? By working on connecting with your inner wisdom or intuition to guide you towards creating the life you want to lead throughout all areas … you are not your thoughts, you are much more than that … especially when you come from the place of exploration and ‘I don’t know’ and look to create.”

“I can’t wait!”

“Neither can I. But first, let’s slow down as it’s time for you to create a project with a deadline to create the funds to invest …”


“You can’t use up creativity … the more you use, the more you have.”
― Maya Angelou.

Ps. If you enjoyed this you can sign up to receive my newsletter which includes regular articles like these to guide you in developing your life — personally and professionally (with zero spam or selling).

*If you’re looking for an inspirational book about ‘creating’ then I highly recommend Steve Chandler’s book ‘CREATOR’, which you can find on Amazon.

*Image courtesy of Psych Central.