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Designing a Life That Fits · Apr 23, 2026

I'm Not Fighting My Finances. I'm Fighting My Mindset.

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Carma Baughman · Designing a Life That Fits

I’m tired of my scarcity mindset. I just entered retirement and it’s the last thing I want to dwell on. I’m conditioned to save money, to be wise with money, to not spend extravagantly. But I feel it eating my lunch. And, that’s the last thing I want to deal with in this stage of life. Yet, it’s reality.

I love going to coffee shops, even though I don’t drink coffee! I love trying various types of chai (spicy is my preference), or hot chocolate. And, now we live in a town where many coffee shops make their own chai. How cool is that?! I could go every day.

Then there’s the other aspect of going out. Restaurants. This town also has a huge number of restaurants with all kinds of cuisine and cultures. We enjoy trying new places. But again, the dollar signs go through my mind. Can we afford this?

The scarcity mindset brings a cloud over anything we might truly enjoy. I’m enjoying the new flavors of this unique combination of sweet and spicy, then suddenly my mood dampens as I think can we really afford this. Or, my husband and I are enjoying an evening out at a unique Thai restaurant. A quiet atmosphere. Beautiful wild flowers on the table. Yet, I am reserved and not fully present because the dollar signs go through my mind.

The scarcity mindset puts a quiet cloud over the moment. I’m there, but not fully in it.

I’ve been told and heard so many times that a scarcity mindset is destructive. I’ve tried to change, to not live with that mindset, yet it’s still there. It shows up again now that we live in a town that costs more to eat out. We knew that coming here, yet it bothers me. Will I ever get over it?

Maybe you’ve felt this too. Can I really just enjoy this moment? Or will the finances always creep in?

I’m not fighting my finances. I’m fighting my mindset.

The opposite of scarcity isn’t abundance; it’s enoughness. Enoughness doesn’t count dollars; it counts moments. It says, “You’ll figure it out.” It whispers, “You already have what matters.”

I have enough to move forward.

It’s not about the quantity of anything, it’s a knowing that there is enough.

That we are enough.

When enoughness enters, even something as small as sipping a warm, spiced chai feels like joy. Not indulgence, but presence.

You’re still aware of money, but you’re choosing presence.

Enoughness doesn’t ignore limits, it loosens their grip.

There isn’t a need to hold back in enjoying the moment. You have enough.

You breathe deeper.

Your heart lightens.

You feel free.

It’s the quiet, ordinary moments that make up most of our lives. Enoughness recognizes that and makes those moments sacred moments. Not something to be quantified, but something to be treasured and enjoyed.

Scarcity says you’re behind.

Enoughness says you’re already in motion.

And the next sip of that warm, spiced chai? I’ll taste every bit of it.

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Read the original on carmabaughman.substack.com

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