The Money Stories We Tell Ourselves (And How to Rewrite Them)
We all have money stories. Some we whisper to ourselves in moments of stress: "I'm just not good with money." Others we carry like a badge of honor: "I work hard, so I deserve to treat myself." These beliefs—often formed in childhood or shaped by life experiences—quietly guide our financial behavior, for better or worse.
The problem? Many of these stories aren’t facts. They’re emotional narratives rooted in fear, scarcity, or even guilt. And if left unchecked, they can limit our financial potential.
What Is a Money Story?
A money story is the internal script you follow about earning, spending, saving, or managing money. It’s the unconscious belief system that influences your financial decisions. For example:
"Money doesn’t grow on trees."
"Rich people are greedy."
"I’ll always be in debt."
These beliefs aren’t just harmless phrases—they’re powerful drivers that can lead to overspending, avoidance, under-earning, or anxiety.
Where Do These Stories Come From?
Most money stories come from:
Childhood experiences – What did your parents or guardians model about money?
Cultural or religious beliefs – Were you taught that poverty is virtuous or that wealth is suspicious?
Past trauma or financial mistakes – Have you ever experienced job loss, bankruptcy, or money-related shame?
The good news? Once you're aware of your money story, you can rewrite it.
How to Rewrite Your Money Story
Name Your Story
Write down the limiting belief. Example: "I’ll never make enough money."Challenge It
Ask yourself: Is this absolutely true? What evidence do I have that contradicts it?Replace It
Create a new, empowering belief. For example: "I have the ability to grow my income and manage it wisely."Reinforce It
Affirm your new story daily. Surround yourself with people, content, and tools that support your financial growth.
You Have the Power to Change
Rewriting your money story isn’t about ignoring reality—it’s about shifting your mindset so that you can make better choices. When you tell yourself a different story, you open the door to different outcomes.
It’s time to stop letting outdated beliefs hold your financial future hostage. You are the author of your story—and a new chapter is waiting to be written.
If you're ready to plunge deeper and truly transform how you handle money, I invite you to explore your personal money behavior with guidance.
👉 Download my FREE "Money Journal" to uncover the habits impacting your finances.
Or take the next step with personalized support—
🎯 Book a Free Consultation to learn how Money Behavior Coaching can help you break bad habits and build lasting wealth.
