Some things in life happen so fast that we don’t even notice until it’s too late. That’s how it felt when my credit card maxed out and my checking account hit zero—before I even realized it.

In this episode, Frances unpacks how quickly money moves, why small swipes add up faster than we think, and how paying attention before the money leaves can turn panic into peace.

Reflection Questions

• How often do I notice where my money is going—before it’s spent, or only after it’s gone?

• What recent expenses seemed “small” at the time but added up quickly?

• How would it feel to know exactly where my money is headed each month?

Action Steps

1. Review your last 7 days of spending—where did your money actually go?

2. Choose one area (like dining out, subscriptions, or impulse buys) to cut back on this week.

3. Decide on one purposeful use for that saved money—savings, debt, or a goal.

Breadcrumb for Today

Money moves fast—but you get to decide its direction. Attention and intention turn “Where did it go?” into “I know where it went.”