The Human Side Of Change

The primary difference between people in transition and people not in transition can be summed up in two words: diminished capacity.

The Sudden Money Institute understands that transition affects us all on many emotional levels. Through our expereince we’ve developed a transition program that can address each individual challenge you face during this time of change.

Let’s look at what diminished capacity means and then what can be done about it.


Transition means change, change means stress, and stress means regress. Regress happens because secretion of the stress hormone cortisol negatively affects both the body and the brain. Small increases of cortisol have positive effects on the body and the brain during short-term pressure. They provide a quick burst of energy and a lower sensitivity to pain that might be necessary during a fight or flight response. As long as there is relaxation following stress, body and brain function return to normal.

However, higher and more prolonged levels of cortisol in the bloodstream with little or no relaxation in between cause chronic stress which is debilitating. Negative physical effects include: fatigue, sleep deprivation, blood sugar imbalance, higher blood pressure and a decrease in overall immunity. Chronic stress affects the brain by interfering with neurotransmitters, which cause problems with memory; shutting down learning; damaging brain cells; and creating anxiety attacks. Functioning shifts to the ancient, or reptilian brain, which is concerned with basic survival rather than rational, creative or long-term thinking.

When Life Changes Money Changes

When Money Changes Life Changes

Susan Bradley


When the ancient brain is in charge, cognitive abilities, coping skills, attention span and memory are all compromised. It’s simply not a good time to have to make critical decisions that influence your well being and impact the rest of your life. People in transition may also experience irrational and exaggerated thoughts, and their sense of self and identity may have suffered as a result of the dramatic alteration of their circumstances. In addition, grief, exhilaration, paranoia, fear, and a distorted sense of empowerment can arise and have a long-lasting impact. When you have difficulty with your thinking, and you combine that with overwhelming emotions, you can easily miss signs of trouble. As a result, your transition will take longer than it should and perhaps also be less successful.


During times of transition there is a loss of footing socially because the status quo is gone, yet it hasn’t been replaced by a new normal. Comforting patterns disappear and the range of possibilities has changed and is unclear. This time is marked by a shift in boundaries, both on a personal level and a financial level. Whether you’re bigger and have less accountability than before or you’re smaller and have fewer options, the experience of losing your norm is unsettling, at best. Social distortion, isolation and conflicts with friends and family due to changes in circumstance are all common and are rooted in questions such as: What do people like me do? How do they live as a widow, a professional football player, someone who has stopped working a day job after 45 years?

Don’t risk making important emotional decisions in the midst of a transition. Seek guidance from a transition planning expert – a Transitionist.

Don’t Wait – Find A Sudden Money Institute Advisor Today