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Your Money Mindset
Welcome back to the Wanderlover Podcast. Today we are diving deep into a topic that will either eat away at your business over time and hold you back for years or it will help you quantum leap into the next level. We are talking about your money mindset. I’ve been having the most amazing 2026 business breakthrough calls with old and new clients, and we started with addressing money mindset on every single one, whether they were on track to hit 500,000 or their first 5,000 dollars.
Holidays are also approaching and this is a time of year I see many people regress back into their subconscious habits. Some of my clients in the past have expressed that they spend, spend, spend and then feel guilty checking their credit card statements. This happens year after year. Others shy away from giving altogether with the fear that they can’t afford it. This time of year really sets the tone of how we enter the new year, so this episode is going to be part coaching session and part energetic recalibration because no matter what stage of business you’re in, your beliefs about money shape every decision you make whether you realize it or not. If those beliefs are outdated, inherited, or rooted in fear, then they will keep you stuck. So let’s draw awareness and fix all of that today.
If this is the first time you are hearing the term money mindset, let’s first clarify what exactly we are talking about. What is money mindset? Some of you might think this term is woo woo, but I assure you it’s not. Some of you may think it’s just affirmations, but actually your money mindset is the beliefs you learned about money growing up, the way you feel when you spend, invest, or receive, the subconscious limits you place on what you think is realistic for yourself and your business, the expectations you set for yourself, and the energetic standards you hold regarding money.
We all know from this podcast that your thoughts influence your actions, which influence your results. So if you don’t fix your thoughts, you’re not going to get the next level results that you desire. The thing about money mindset is that you don’t rise to your goals. Instead you rise to your beliefs. So how many times have you decided you’re going to make $10,000 or $100,000 a month but then your actions don’t follow your beliefs and your reality doesn’t match what you say out loud?
Identifying Limiting Beliefs Around Money
If you believe money is hard to make, you will subconsciously build a business where money is hard to make. If you believe you’re bad with money, you will avoid implementing the skills that build wealth. If you believe wealthy people are greedy or scammers or irresponsible, then you will avoid becoming one even if you consciously say you want success.
What’s also interesting is all of this is self-inflicted. What you believe is possible for yourself is not truth. It’s not written in stone. It’s simply what you believe. To some people, a thousand dollars is pocket change. To others, it can be one month’s salary. This scale is constantly moving and where you place yourself on that scale is how you run your business.
So let’s first self-diagnose where we are holding ourselves back and then we can rewrite our narratives. I’ll first share some signs that your current beliefs may be limiting your impact and your income. I see this very often with my clients as we really bring to light how we are so capable of self-sabotaging, sometimes without realizing it.
Signs Your Money Mindset Is Holding You Back
1. Undercharging
Do you undercharge because you are scared to be judged or you have anxiety when you name a higher price? Do you find yourself discounting your offers at the slightest resistance or feeling guilty every time someone pays you? All of these emotions can be changed, but you first have to recognize whether you undercharge because of what you were trained to believe about money. If you need tips on how to price yourself, I run through that on another blog.
2. Income Plateaus
The second sign that your current beliefs may be limiting your impact and income is that you plateau at the same income level no matter what you do. You have this inner thermostat in your business. Your nervous system holds you at the level it considers safe. You don’t want to make significantly more and you don’t want to make significantly less, so you bounce between the same range. You will never sustain what you haven’t energetically normalized.
3. Waiting Too Long To Invest in Yourself
Number three, you won’t invest until you feel ready. We talked about this in the previous podcast episode and how this is always a catch-22 because you never feel ready. You grow because you invest, not the other way around. You hire before you feel ready or you learn something before you start implementing it. You must take the action your next level self would take before reaching that level.
4. Chasing Freebies
Next, you chase free information. You DIY everything. You burn out and then you repeat. This is the scarcity cycle and it keeps you in the same place year after year. If you’re trying to piece everything together yourself instead of learning the quick way to do it, implementing it, and seeing results, you will stay stuck. (If you want to learn to create your own freebie, check out the recent blog post here).
5. Avoiding Money
Next, if you find yourself afraid of taxes, accountants, money management, or looking at your business numbers, money avoidance often comes from fear or shame or past experiences or believing you’re not capable. But avoidance blocks abundance. If you can’t show the universe you can manage what you’ve got, it’s going to be very hard for you to receive more.
6. Self Sabotaging
Lastly, another sign you might be self-sabotaging is when you hit big goals and then sabotage. You default into actions or thoughts that bring you back down to your comfort level. This is the upper limit problem. When more comes in, you unconsciously push it away because it feels unfamiliar. If you tell yourself the money was a fluke or you feel discomfort receiving it, this is a clear sign you’re self-sabotaging.
Shifting the Way You Think About Money
If you relate to any of these, you’re not alone. Many members in my community go through the same experience as new entrepreneurs, but you can change it. I’ve done my fair share of work personally. I first noticed my money mindset was sabotaging me when I was in corporate working a job I hated, and even though I had a steady paycheck, I still felt that I didn’t have enough to go after what I truly wanted.
I kept making excuses. My risk tolerance was low. I grew up with an immigrant mentality and didn’t grow up around entrepreneurs, so I kept saying I wasn’t ready. I didn’t have the skills, the finances, or the know-how. I was constantly saving for a rainy day instead of saving for financial freedom, constantly looking at my bank account trying to see if the numbers would work out for me to make a different decision.
I knew the life I wanted, which was full-time travel and running my own freedom-based business. None of that happened until I stopped seeing money as something I had to earn through struggle and instead saw it as the natural byproduct of believing different thoughts and taking different actions. Once that shifted, everything shifted. That gets to be true for you as well.
Rewriting Your Money Story
Here are the new things you get to believe about money. Money is a tool for expression and advancement. It’s simply a tool. The purpose of wealth is more creativity, more expansion, more life, more service, more freedom. It allows you to experience the world fully and give more fully, so you should not feel guilty about having more or wanting more.
Money is also neutral. It’s not good or bad. It’s not going to make you evil. It’s not going to make you greedy. It simply amplifies who you are. So if you are a good person, you’re going to do amazing things with more money.
Money mindset is a skill you can learn and practice until it changes your reality. You do not have to hold the beliefs you had growing up if they are holding you back. You can learn new skills and change your money mindset.
Money expands with gratitude. The more you celebrate your wins and direct positive energy toward your finances, the more you attract. If you have a big cash injection or you’re making more money, simply be grateful and do good things with it. You don’t need to feel guilty or dismiss your wins.
Finally, money responds to clarity. The clearer your intentions, the faster it shows up. That’s why on our 2026 breakthrough calls we decide exactly where we want to go, exactly how much we want to make, and then we create a game plan to get there.
Money Mindset Exercise and Reflection
Let’s do a mini coaching exercise. First, take a breath. Place your hand on your heart. Ask yourself: Who is the version of me who makes the level of money I desire? What does she believe? How does she invest? What does she tolerate and not tolerate? How does she talk about money? How does she feel about receiving?
Now ask yourself: Are you acting like her today or are you acting from past conditioning? You must shift your identity before your income shifts. You must start acting as if you are already her today. You must become a different version of yourself in order for your next level to appear.
Practical Steps to Upgrade Your Money Mindset
Here are some grounded actionable steps you can take this week.
1. Normalize receiving money: Track every single dollar that comes in. Be confident in receiving business income, gifts, affiliate payouts. Be grateful for every single dollar. If you can make one dollar, you can make one million.
2. Embody your next level: Make one decision from your next level self. Ask yourself: What would the wealthier version of me do? Then actually do it. It should be uncomfortable. It should be something different. But the more you do it, the more it becomes your new reality.
3. Surround yourself with role models: Get in the room with people who stretch you. The fastest way to elevate your money mindset is proximity and accountability. Proximity to people who are doing more and making more than you expands you automatically.
Closing Thoughts
I want to leave you with this: What belief about money are you ready to release today, and what belief will you choose instead? Journal about it. Speak it out loud. Anchor it in your body. Take the action and know that your next level self is coming and it is inevitable.
Thank you so much for tuning in. If this resonated with you, please take a screenshot and share it on your stories and tag me @thewanderlover and @thewanderloverpodcast so we can repost you. I’ll see you in the next episode. Have an amazing week.
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