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The Voice in Your Head: The Power and Pitfalls of Self-Talk

The Voice in Your Head: The Power and Pitfalls of Self-Talk

June 09, 2025

Let me start by saying this: I’m not a psychologist. I don’t have a doctorate in human behavior or a stack of published research papers. Sure, I studied psychology a little bit, but I’m far from an expert.

What I do have, however, is 25 years of experience working with people—coaching, consulting, advising, and, more often than not, helping them navigate their own behavior. That’s the world I live in every day. And lately, one thing has been on my mind: self-talk

We’ve talked before about the difference between personality and behavior. Personality is your wiring—your temperament, your makeup, the stuff that’s built in. Behavior is what you do with it. It’s how you choose to engage, interact, and respond in the world around you.

And self-talk, I think, lives right at that intersection. It’s not necessarily who you are, but it certainly influences how you show up.

I was driving this weekend—picking up supplies for a home project that’s been dragging on longer than it should—and I caught myself mid-spiral.

You know the one:

  • “Why isn’t this done yet?”

  • “Who thought this was a good idea?”

  • “What a mess.”

That inner monologue builds. The frustration grows. Pretty soon, the only thing you can see is everything that’s wrong. That’s the negative side of self-talk, and it can take you down fast if you’re not paying attention.

But the opposite is also true. When you lean into positive self-talk, you can climb just as quickly as you can fall.

  • “I’m glad I made that decision.”

  • “That was the right call.”

  • “I’m proud of the progress.”

It’s wild how much power our internal dialogue really holds. There’s also something to be said about using self-talk as a tool—like practicing a conversation before you walk into a meeting or rehearsing what you want to say when emotions are running high. That kind of intentional self-talk isn’t weird. It’s actually smart.  Sometimes I do it while driving. Sometimes I just play the conversation in my head. Other times I’ll walk through it out loud (hopefully with no one watching). It helps. It sharpens your words, calms your nerves, and gives you clarity.

This home project I’m tackling,I’ve been the general contractor on it, and let me tell you, it’s been both rewarding and incredibly frustrating.Honestly, the biggest difference-maker in how I’ve handled it has been the tone of my self-talk.  When I focus on the setbacks, everything feels harder, but when I take a second to look back and recognize the progress, I feel encouraged and energized. Same project. Same circumstances. Different inner voice.

So,here’s what I’ve learned (or maybe just relearned):

  • Self-talk isn’t good or bad. It’s powerful.

  • It can either pull you down or lift you up.

It can help you prepare, process, and find perspective, or it can cause you to spiral. The key is being aware of it.

Check in with your self-talk. Monitor the tone. Focus more on the positive. It might just make the difference in your next conversation, your next project, or your next challenge.

Mark J Modzeleski, CFS, CLTC, AIF       

President, Legacy Wealth Advisors of NY