Most successful professionals and entrepreneurs didn't get where they are by playing it safe forever. Yet, even with experience and a solid financial cushion — say, $100K or more to invest — many find themselves stuck in patterns that used to work... but don't serve them anymore.
This isn't about being lazy or unambitious. It is about the comfort zone — that quiet psychological space where routines feel safe, decisions feel predictable, and change feels risky.
Here is the truth: your comfort zone may be efficient, but it is not always aligned with your next-level goals.
You developed your comfort zone for a reason. Maybe you learnt to budget carefully after a financially tough childhood. Or you built a business by controlling every detail, because delegation once led to costly mistakes. These patterns helped you survive, maybe even thrive.
But if you are feeling stuck — hesitating on investments, overthinking business pivots, or avoiding new collaborations — it is time to ask:
Is your comfort zone still serving your growth or your fear?
Deborah Price's Money Archetypes offer a powerful lens here. Think of these archetypes as inner financial personalities that shape your relationship with money.
For example:
The Innocent in us avoids responsibility and feels overwhelmed by financial decisions. This archetype might keep you in analysis paralysis when opportunities arise.
The Victim may replay past financial mistakes and hesitate to trust again — even yourself.
The Warrior, on the other hand, takes focused, strategic action — and is comfortable with calculated risk.
When you expand your comfort zone, you are not just "thinking bigger" — you are actively choosing to shift which archetype leads your decisions.
Shirzad Chamine's Saboteurs are internal mental habits that hold us back under stress — and they loooooooove the comfort zone.
Here are a few common ones among high-performing professionals:
The Avoider: Prefers comfort over conflict. Tends to delay difficult decisions — like changing your investment strategy or exiting a business partnership.
The Controller: Struggles to delegate or let go, fearing things will fall apart without tight control.
The Hyper-Achiever: Needs constant external validation, and may avoid slow, long-term investments because they don't offer immediate wins.
These saboteurs quietly reinforce the status quo — even when you know something needs to change.
Let's say you have $50K+ to invest. You have been thinking about working with a financial advisor, investing in a new fund, or hiring a mentor to help scale your business. But you hesitate. You hear an inner voice saying :
"What if it is the wrong move?"
"Maybe I should wait until next year..."
"I need more research."
Sound familiar?
These are not logistical concerns — they are comfort zone alarms, often triggered by saboteurs or outdated money archetypes. And they are costing you progress.
The goal is not to jump into the unknown recklessly. It is to expand intentionally. Here is how:
Identify Your Dominant Archetype and Saboteur
Ask yourself:
When I make financial decisions, which archetype is in charge — my Warrior, my Creator Artist, or another one?
Is my Avoider calling the shots when I delay decisions?
Awareness gives you choice.
Start with a Micro-Challenge
Choose one small, uncomfortable financial action this week.
Book that investment call.
Review that business proposal you have been avoiding.
Share your growth goals with someone you trust.
Reframe Discomfort as Evidence of Growth
When the nerves hit, remind yourself:
"This discomfort means I am shifting into a new version of myself."
That is not failure. That is evolution.
You don't need to fix yourself. Your past patterns served a purpose. But if you want your money and your business to reflect your current values and future goals, you will need to stretch beyond your old strategies.
Your comfort zone is not bad — it is just not big enough for the life you are building now.
What part of your comfort zone is ready to retire — which part of you is ready to take the lead ... and which archetype need to be tamed?