Notice and Release Limiting Beliefs Around Money

Have you ever caught yourself thinking, "I'm just not good with money," or "I’ll never be able to afford that”? If so, you're not alone! 

Those thoughts are limiting beliefs, and they've likely been directing your money mindset for a long, long time.

For many of us, our money beliefs were formed decades ago — in childhood kitchens where money was a source of stress, through mistakes we made without sufficient knowledge, or in messages received from a society that never expected us to be the ones building wealth.

When we arrive here in midlife and beyond, these beliefs are so deeply woven into our thinking that they feel like facts.

They are not facts, my friend. They are stories. And stories can be rewritten.

What Is a Limiting Belief Around Money?

A limiting money belief is any thought or assumption that holds you back from experiencing financial freedom, abundance, or peace.  Common ones sound like:

• "Money is the root of all evil."

• "Rich people are greedy."

• "I don't deserve to have more than enough."

• "It's too late for me to change my financial situation."

These beliefs don't just live in your head; they show up in your actions. They're why you avoid looking at your bank account, undercharge for your work, or feel a knot in your stomach every time a bill arrives.

Rewrite Your Limiting Beliefs

You don’t need to rely on willpower or take complicated actions to rewrite your limiting beliefs. Become aware of what's been quietly running in the background and choose something different. These three steps—inspired by the work of Byron Katie — are quietly powerful and will show you how. 

Step 1: Notice them

You cannot release what you haven't acknowledged. The first step is simply to notice.

Try this: For one week, pay attention to the thoughts that arise whenever money comes up. When you pay a bill, receive your paycheck, have a conversation about retirement, or check a price tag at the grocery store. Don't judge the thoughts. Just observe them.

Write down what you notice or record them on your phone’s voice recorder app. You might be surprised at how often these beliefs pop up and the feelings that accompany them.

Ask yourself: Where did I first hear this? 

Awareness is the spark of change. Once you see a belief, you can investigate more thoroughly.

Step 2: Question them

For each limiting belief, gently challenge it with honest curiosity.

Try this: Ask yourself these four questions, one belief at a time:

1. Is this absolutely true?

2. Can I know for certain that it's true?

3. How do I feel and act when I believe this thought?

4. Who would I be without this thought?

You may find that simply sitting with these questions begins to loosen the grip of a belief.

Step 3: Rewrite them

Rewriting your beliefs creates space for a more expansive, truthful belief to take root. This is where you write a different version of the story.

Try this: For each limiting belief, write a replacement belief that feels possible. Don’t make this a stretch. Keep it a gentle step forward.

Here are two examples:

• Instead of "It's too late for me to change," try: “Change is always available to me, no matter where I'm starting from.”

• Instead of "I'll never have enough," try: "I am building a healthy relationship with money, one step at a time."

Read your new beliefs aloud each morning. Repetition is how the old stories got in, and it's how new ones take hold, too.

You Don't Have to Do This Alone

Shifting your money mindset after a lifetime of limiting beliefs is brave, meaningful work, and it's so much easier with support and community around you.

That's exactly what you'll find inside ELEVATE — my membership community created for women in midlife and beyond. It's a space where women are doing this exact work, while supporting one another, cheering each other on, and proving every single day that midlife is not an ending. It's a beginning. Come join us!

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The purpose of this post is to provide information and education (& hopefully some entertainment!). I am not a financial, medical, or mental health professional, so please do not interpret my words as the direction of a financial planner, doctor, or therapist.

I know you're smart and will ALWAYS consult with your physician or another appropriate, accredited professional before implementing any changes to your investments, diet, medication, lifestyle, exercise regimen, supplement regimen, or health practices. After all, you're here to live well, right??

Seriously - consult with your financial or healthcare team and assess your own risk. Verify what you find on the internet. I care about you!