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Taxed by Delay
Why tax-time hesitation is rooted in fear—and how to dissolve it from within

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If just hearing the word taxes stirs a pit in your stomach or sends your brain into shutdown, you’re not alone—and you’re not broken. This week’s article digs into the mental and emotional programming that keeps so many stuck in avoidance, especially around responsibilities like taxes.
➡️ In “Taxed by Delay,” I share how one client’s breakthrough reveals what often lies beneath procrastination: guilt, fear, and learned patterns of self-judgment. But more importantly—it shows how to interrupt the cycle and return to peace and personal power.
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The Fear-Fueled Programming Behind Tax Procrastination
Arguably, the king of all sabotaging programming is the mental pattern that fuels procrastination around taxes. This annual rite of passage—in the United States, at least—brings about a collective, country-wide groan as tax time approaches each year.
The tax matter reflects a deep, unconscious program rooted in lack and its intimidating fears. Why is it that, collectively, we dread this legally necessary task? Sure, for some it’s not as burdensome as it is for others, but it taps into a widespread fear: money going out rather than coming in.

The resistance to this task is powered by one of the most embedded fears in the human psyche—money. In our collective consciousness, money equates to three core paradigms: survival, comfort, and power. Everyone relates to money through one, two, or all three of these dynamics.
In a recent therapy session, this very issue was front and center. The client, a gainfully employed U.S. citizen who hadn’t filed taxes in the past three years, was tormented by guilt triggered by the current tax season. Though determined to file for 2024, the same resistance many people feel became a formidable mental and emotional block in completing the task.
Guilt, Resistance, and Emotional Quicksand
During the session, I asked what specific fears were fueling the procrastination. The responses were typical: fear of owing a significant amount, and dread over the time and effort needed to gather, figure out, and process everything—even if an independent source handles the filings, the necessary information still must be provided if no bookkeeping has been established.
Aside from the existential fear of lack—which indeed can be healed—the client's obstacles to “getting on the right track” (as expressed in their own words) were met with effective approaches to heal and release the procrastination.
The client explained that “logically” there was a clear understanding of what steps would help move forward. But because of the underlying dynamics we uncovered, there was also the guilt of not doing what they knew would allow them to “sleep in peace and relief.”
At this juncture, I asked a pointed question designed to purge the unconscious sabotage that was stalling constructive action:
“Why does the psyche want to continue to suffer?”
This caused pause and reflection. Why was this suffering being unconsciously condoned?
It became clear that the unconscious suffering was largely due to guilt and self-judgment. Procrastination, in this case, was rooted in the quicksand of those feelings.
What I offered for liberation from that emotional prison was both pragmatic and philosophical.
Self-Forgiveness Dissolves the Block
First, I counseled the client to forgive the self for absorbing the programming that undermines productive behavior. No one wants to sabotage themselves. It’s always rooted in something the psyche has absorbed.
Here’s a benign example: you didn’t automatically know how to brush your teeth—it was a learned behavior. Your brain developed it through connecting neurons. The same goes for behaviors that have a more significant impact. These are also learned, absorbed mental wirings.
In this case, an existential program—stemming from the perception of lack—has wired the brain to associate taxes with loss.
This mental association manifests as personal conditioning and its ripple effects. People avoid paying taxes, cheat on them, or procrastinate—and suffer the consequences both legally and psychologically.
The psychological toll—guilt, shame, judgment, and fear—creates resistance that feeds on itself, reinforcing negative associations with taxes and blocking forward action.
Self-forgiveness becomes real when there’s a recognition of the difference between self and sabotaging program. It’s not about forgiving the self as flawed, but forgiving the absorption of harmful mental conditioning. That allows the emotional release of shame, guilt, and judgment.
Freedom from that emotional buildup makes room for constructive behavior—action no longer weighed down by self-blame.
Let Logic Serve Your Healing Rather Than Your Oppression
Secondly, we looked at the origin of logic. The basis from which logical thinking emerges determines whether that logic becomes constructive or destructive.
When logic stems from self-condemnation (“You should know better”), it becomes nothing more than a tool for further judgment, fueling corrosive emotions like guilt and shame.
But when logic arises from self-forgiveness, it becomes the seed of actionable decisions and empowered behavior.
Unfortunately, most people misdirect logic, turning it into fuel for self-punishment—twisting the knife of judgment in the wound of despair. But when you exercise understanding and forgiveness first, logic becomes informed leverage.
You are not what you’ve been through. You are the being that may be vulnerable to programming—but all programming can be realigned in service of your pre-programmed state of irrevocable well-being.
It’s simply a matter of recognizing the being versus the program.
Taxes? Reprogram your associations. Do it on behalf of your essential well-being—your nature that cannot be intimidated by anything, because that nature wasn’t programmed to be.


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