Why Your Money Isn’t Growing: Is It an Unconscious Choice Not to Increase It?– The Connection Between Money and Mindset Through Smart Money Coaching –

“I want to increase my income.”
“I want to save more for the future.”

Even though you genuinely feel that way…
somehow, nothing changes.

You work hard—both at your job and at home—
and yet you don’t feel like you’re moving forward the way you hoped.
Have you ever felt that frustration?

In many cases, the reason isn’t
“a problem with money itself.”
Rather, it’s the mental brakes hidden deep in your mindset.

Why We Unconsciously Choose to “Stay the Same”

Even when we want to increase our income,
a quiet voice inside us may be saying:

• “If I work more, I’ll lose my free time.”
• “I’m afraid my taxes will go up.”
• “I don’t want people to think I’m greedy.”
• “I’m worried that more responsibility will feel overwhelming.”

These feelings are completely human.

But when they become strong,
our mind unconsciously decides that
“it’s safer not to change.”

As a result, we stop taking action—
and our situation stays exactly the same.

A Psychological Perspective: Our Actions Are Driven Not by “Causes” but by “Purposes”

In Adlerian psychology, it is said that
“People act based on purpose, not cause.”

This means that statements like:

• “I don’t have enough time.”
• “It’s just not the right timing.”

may sound like reasons,
but in many cases, they reflect a deeper purpose—
a desire to protect the comfort of the current situation
and avoid the anxiety that change may bring.

This isn’t a flaw.
It’s a natural human response to maintain emotional stability.

My Personal Experience: A Childhood Regret That Became the Source of My Action

When I was growing up,
I had a moment when I didn’t have the courage to take action —
and I deeply regretted it.
I can still remember exactly how it felt.

From that experience, I learned two powerful lessons:

• If you don’t take action, you gain neither results nor learning.
• Opportunities—like waves—never come in exactly the same form again.

The feeling of “I want to try this”
is like catching a high wave at the perfect moment.
If too much time passes,
your circumstances, your motivation, and even your energy naturally change.

In life, it’s common to think:

• “I’ll study someday.”
• “I’ll try it when the timing feels right.”
• “I’ll change when I’m more prepared.”

But while we are postponing,
life shifts around us,
and taking action often becomes even harder than before.

That’s why I value the mindset of
doing what I can “now,” so I won’t regret it later.

Action has the power to change both your life and your finances.

Of course, taking action doesn’t guarantee success every time.
But —
there is always something to learn from every step you take.
And those lessons make your next decisions stronger and wiser.

On the other hand, if you don’t take action,
your current situation simply continues.

So if you’re feeling even a small desire to “change a little”
or “move forward,”
that feeling is an important sign — one you shouldn’t ignore.

What Smart Money Coaching Can Do for You

At Smart Money Coaching, I combine financial knowledge with psychological insights
to help you identify the “inner brakes” that hold you back
and build the strength to move toward your ideal future.

This coaching is designed for people who:

• Feel anxious about money
• Want to take action but don’t understand why they feel stuck
• Want to break free from staying in the same place
• Want to find a way of working and living that truly fits who they are

For anyone who resonates with these feelings,
I provide support to align both your mindset and your money.

And if you feel—even a little—that
“it might be time to change something about my life,”
that feeling may be the very moment your life’s wave has started to move.

About the Trial Session (Available in Japanese, English by request)

The first step toward meaningful change often begins with a small moment of clarity.
The Smart Money Coaching Trial Session is primarily offered in Japanese,
but English sessions are also available upon request.

In this session, we explore the “inner brakes” that may be holding you back,
clarify the future you truly want,
and turn those insights into practical next steps.

If you’d like to learn more about the Smart Money Coaching programs,
you can find additional details here:
👉 Learn more about Smart Money Coaching

Ending Message

Changing the way you use and grow your money is not just about changing numbers.
It’s about shifting your mindset and expanding the choices available in your life.

Step by step, you move closer to a future that truly feels like your own.
And if I can support you as you walk toward the life you genuinely want,
it would be my greatest joy.