📌 Struggling to switch off after a session like this? Try The Evening Upgrade, Julie's free 10-minute audio that helps you actually put the day down and rest properly: https://marketing.millieside.com/evening-upgrade

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In this episode of The Upgrade, Julie Smith unpacks where your money beliefs actually come from and why they might still be quietly running your decisions today, from undercharging in your business to turning down a promotion you know you deserve. You'll learn why "logical" money decisions are often being made by an old, familiar version of you rather than the person you are right now. By the end, you'll walk away with a simple three-step tool, The Money Belief Rewind, that you can use on any money decision going forward.

➡️ Why underpricing, avoiding promotions and money "disappearing" often trace back to old beliefs, not logic

➡️ How the beliefs you picked up about money before age 7 still shape choices today

➡️ The "money thermostat" idea and why your brain pulls you back to what feels familiar

➡️ The three-step Money Belief Rewind: recall, spot, rewrite

➡️ Why noticing the pattern matters more than getting it perfect straight away

⏱️ TIMESTAMPS

00:00 Introduction

01:17 Why this isn't about budgets or spreadsheets

02:03 Signs an old money belief is running the show

03:07 Where your money beliefs actually came from

06:58 The money thermostat explained

08:02 How this affects what you charge and earn

11:08 Why awareness comes before change

13:39 The Money Belief Rewind, step by step

21:20 Julie's own money story

23:51 What real change actually looks like

26:16 Tonight's tool for a clearer head tomorrow

The Upgrade is a weekly show for capable people who know they're built for more but keep getting pulled back by an old version of themselves. Julie Smith mixes practical psychology with live coaching to help you spot the identity-level beliefs keeping you stuck, whether that shows up in money, confidence, relationships or the opportunities you keep talking yourself out of. New episodes every week.

💬 CONNECT WITH Julie Smith

Instagram: @juliemillieside

Website: https://millieside.com/