Stop Waiting for the Perfect Time: Why Your Financial Freedom Journey Should Start Today
“Financial freedom isn’t about having it all figured out... It’s about starting where you are and making small, intentional money moves that build confidence and momentum.” - Erika Dox-Martinez
Have you ever told yourself… 💭
👉 “I’ll start saving once I make more money.”
👉 “I’ll sit down with my finances after a raise, bonus, or when life slows down."
👉 “I know I should be doing more with my money… but I just don’t feel ready yet.”
👉 “I’ll deal with my credit card debt and student loans later — they’ll be around forever anyway.”
If so, you’re not alone. Many ambitious, successful women push off their financial freedom journey because they’re waiting for the “perfect time” someday down the line...
But here’s the truth: there will never be a perfect time.
Life is busy with work, family, travel, responsibilities, endless to-do lists, so it’s easy to believe that you’ll tackle your money someday.
But if you’re honest...
Hasn’t ‘someday’ already turned into ‘never’?
And the longer you wait, the further away your abundant, blissful life becomes.
Why Waiting Costs You More⌛
Waiting doesn’t just delay progress — it costs you freedom, peace of mind and even the chance to build long-term financial wellness and wealth.
Think about it:
❌ Every year you delay saving and investing is a year you miss out on compound growth.
❌ Every month you avoid creating a plan is another month of stress and uncertainty.
❌ Every time you tell yourself “later,” you reinforce the belief that you can’t take control now.
The truth is, financial freedom doesn’t happen in the future. It starts with the choices you make today.
Why Starting Now Matters 💸
You don’t need a complete overhaul of your finances to get started.
Small, intentional steps today build momentum, confidence, and results— and are the foundation of financial freedom for women who want to align money with their goals.
🌱 Think of it like planting a seed. The earlier you plant, the sooner you can enjoy the shade.
And I’ve seen this play out over and over again with my clients:
✨ One client raised her credit score significantly, opening the door to better rates, more financial flexibility, and long-term wealth opportunities — proof that money mindset shifts paired with action create real change.
✨ Another client focused on paying off debt while also saving and that balance allowed her to buy property in the Dominican Republic and she is almost debt-free.
✨ One powerhouse finally gave herself permission to start her own side-business, and within months, had also saved nearly $5,000!
These wins didn’t happen because the timing was perfect. They happened because they started.
Three Steps to Stop Waiting and Start Today 🚀
These steps won’t create financial freedom overnight (that’s a long-term journey). But they will give you clarity, confidence, and momentum — the building blocks that make financial freedom possible and help you move toward your financial goals with intention.
1. Release What No Longer Serves Your Financially Blissful Life
So many of us inherit money stories about sacrifice, silence and scarcity. This is why healing money mindset blocks and rewriting your money story is essential to building lasting freedom.
Freedom begins when you do the work: release those old beliefs, create your own abundant beliefs and step into action.
2. Become Aware of Where Your Money's Going
Track your income and spending for the next 30 days. You don’t need fancy apps unless you like them — a notebook or spreadsheet works just fine. I personally use a spreadsheet and love the awareness it gives me around whether my money is actually supporting my goals, or just slipping away.
3. Give Every Dollar a Job
Whether you call it a budget or, my favorite — a Blissful Spending Plan — decide where your money will go before it arrives. Align your paycheck with your goals: debt payoff, saving for a big purchase, investing for long-term wealth, or simply building peace of mind. That way, your money works for you instead of disappearing into day-to-day expenses.
Your Blissful Vida Reminder 🦋
Financial freedom isn’t reserved for “someday.”
It’s available to you now: in the way you manage your money, the confidence you build, and the intentional choices you make today.
The perfect time doesn’t exist. But the right time? That’s right now.
✨ Imagine the peace of mind that comes from knowing your money is working for you.
✨ Imagine the freedom of saying “yes” to opportunities without fear, shame or guilt.
✨ Imagine living and funding your most Blissful Vida — not just dreaming about it.
That’s what happens when you stop waiting and start today.
Your Next Step Toward Financial Freedom & BLI$$💸
If you’re ready to release the overwhelm, create a plan that feels good, and finally take control of your money — let’s do this together.
📅 Book your free discovery session with me today, and let’s plant the seeds today so you can start living your version of financial freedom sooner than you think. Your future self will thank you.
And you don’t have to do it all at once. I have different options to help you start right where you are. 🌱
🌟Special Invitation for NYC Bliss Seekers 🌟
If you’re in the New York City area, I’d love for you to join me on Saturday, September 20th for the Financial Bliss Activation — an intimate, transformational afternoon at Casa Wellness in Long Island City, Queens (2–5 PM EST).
Together with a gifted Breathwork + Reiki facilitator, we’ll guide you through a unique experience that blends practical money work with deep healing — the kind of financial wellness workshop that helps you release money blocks and step into abundance with:
✨ Financial Coaching & Activities to uncover and rewrite unhelpful money stories.
✨ Reiki + Breathwork to release shame, stress, and emotional blocks around money.
✨ Safe Community with other women on the same journey toward financial freedom, healing, and bliss.
You’ll leave feeling lighter, clearer, and ready to take aligned action toward your financial goals — supported by tools you can continue to use long after the event. Bring a friend and share the transformation!
✨ Financial Bliss Activation Workshop
📅 Saturday, September 20, 2025 | 2–5 PM ET
📍 Casa Wellness | 39-45 Crescent St, 3rd Floor, Queens, NY
👥 Limited to 20 guests (Only 14 spots available as of Sept. 10th)
💵 $149 investment for a transformative afternoon
Remember: You are not alone. You are not behind. You are not broken. YOU ARE BECOMING!
You are here, and therefore, well on your way to living and funding your Blissful Vida, and I’m so honored to walk this journey with you. 🫶🏽
With Love and Gratitude,
Erika Dox-Martinez
Trauma of Money Certified Financial Wellness Coach - CEO & Founder of Blissful Vida
