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Wake Up! Conquer Your Money Blocks

mindset mastery self-awareness

What are money blocks?
Money blocks are beliefs and behaviors that limit your ability to earn and/or keep money.

Everyone has money blocks. Even a billionaire can have them. There's a reason why they don't have even more money, and many billionaires would like another billion. They didn't get that way on accident. Money was a priority for them. Their money blocks are just less limiting than those of most of us. 

Money blocks can take various forms, but beliefs and behaviors are the most common. Some examples of each include:


  •  "Earning money is too hard."
  •  "I'm too old to become wealthy."
  •  "It's too late for me to save enough money for retirement."
  •  "I won't have any free time if I make earning money a priority."
  •  "The taxes will kill me."
  •  "Good people don't care about money."
  •  "People won't like me anymore."
  •  "I don't deserve it."
  •  "I'm not enough."
  •  "People like me never get ahead."
  •  "This is the best job I can possibly get."
  •  Fear of success
  •  Fear of failure



  •  Overspending
  •  Procrastinating
    •  This can be related to paying bills on time or waiting to begin saving for retirement, or looking for a better job.
  •  Poor financial priorities
  •  Exercising excessive generosity


A lack of knowledge can also be a money block. You're blocked from investing successfully if you want to invest your money but don't know anything about investing.

Money blocks can keep you from earning, saving, and investing money wisely. Money blocks can prevent you from believing these things are possible for you. Money blocks have the power to wreck your finances and your financial future. 

Money blocks can be deep-seated or straightforward to change depending on the particular block. One thing is for sure: they're unlikely to leave on their own, and it's your responsibility to deal with them if you wish to make more money.

“Finance is not merely about making money. It's about achieving our deep goals and protecting the fruits of our labor. It's about stewardship and, therefore, about achieving the good society.”

 - Robert J. Shiller

Consider these topics as a way to learn more about your money blocks and your opportunities for success:

  1. What are the sources of money blocks? Money blocks can come from several different sources. Do you know your origin of yours? Understanding the sources of money blocks will demonstrate how pervasive they can be.

  2. Release your money blocks.  Money blocks can take more than one form, but dealing with them is similar. Whether your block is a belief, habit, or other behavior, you'll learn to address it.

  3. How you can use affirmations to change your money blocks. Positive affirmations about money tackle your money blocks by changing your thoughts. They can make a huge difference. Changing your thoughts also changes your beliefs and actions that precede and follow your ideas.

“All the breaks you need in life wait within your imagination. Imagination is the workshop of your mind, capable of turning mind energy into accomplishment and wealth.”

- Napoleon Hill

Money blocks are created from a variety of sources:

How your family upbringing affects your beliefs about money. Everyone has money blocks, including your parents. You may have many of the same money blocks they do. Unless you were incredibly fortunate to be born with parents that had a minimal number of money blocks, you have some work to do.

  •  It's unlikely that your family made a point of teaching you an abundance mindset.

  •  Most "polite" people avoid talking about money and money management. It's considered taboo whether the discussion happens at home with loved ones or outside the house with strangers. 

Many religions, intentionally and unintentionally, consider money as bad. The poor are held in instead high regard. 

 Studies have shown that those who prioritize religion often feel uncomfortable and guilty if they are financially well off.

Feelings of self-worth and self-esteem aren't always easy to come by. Unless you were successful and had parents who made a point of building these qualities in you, you could probably use a boost.

  •  Unless you actively work on these traits, your money blocks will continue to affect your financial life.

  •  Those things will prove elusive if you feel unworthy of success and comfort.

Most of us are good people. It can be challenging to drive around in a car worth $100,000 without any guilt. After all, you could instead house several homeless families with that money and drive a 5-year old Honda Civic rather.

 There's a difference between self-love and narcissism. There's a difference between being happy with yourself and lacking empathy for others. You can hold yourself in high regard and still care about others. As adults, we're each responsible for our success in life.

Are you maybe fearful? Success is attractive, but at the same time, it's not for most people. We've been taught to fit in and conform. Our school years teach us that being just like everyone else is in a comfortable place to be.

  •  Most of us are wary of having power and the responsibility that comes with it.

Whether you're watching the news or a movie on Saturday night, the financially-strapped are portrayed as the underdog. The wealthy person or company is often considered the villain.  

Money blocks come from a variety of forms. What do you think was your primary source of yours?

Only a few people possess the right mindset, beliefs, and behaviors to build and maintain wealth. Luckily, even though it may take some work, you can undo your money blocks and move toward prosperity.

“Keep your dreams alive. Understanding to achieve anything requires faith and belief in yourself, vision, hard work, determination, and dedication. Remember all things are possible for those who believe.”

- Gail Devers 

Releasing Money Blocks 

Clearing money blocks requires a multifaceted strategy. It's important to address beliefs, habits, and assumptions. Each of these can be attacked from a variety of angles. It's a lot of work but consider the payoff that lies ahead. 

When you greatly reduce your number and severity of money blocks, anything becomes possible. With money blocks, becoming wealthy is like running a marathon with a broken leg - painful and unlikely.


Your beliefs form the foundation of your abundance mindset. Your beliefs can vary from "I don't have what it takes to be wealthy" to "I'll have plenty of time when I'm older to save money." Money blocks at this level affect your ability to create and hold wealth more than any other type of block.

Your beliefs influence your decisions, actions, and habits. These are the things that ultimately determine whether you become financially successful.

Perhaps the most important step in this journey is to create a compelling future. When you know where you want to go, it's easier to identify your money blocks. The person that wants to live the life of a jet-set billionaire doesn't have all the same money blocks as someone that truly just wants to live in a three-bedroom ranch in Cheboygan.

There's no right or wrong answer but figure out what kind of life you want to live. Be able to describe it in detail.

Use these strategies to change your beliefs and your financial future:

  1. Identify your beliefs. Take a look at every belief you have about money - good or bad - and write them down. You should end up with quite a long list. 

  2. Determine which blocks are harming you the most. Look over your list of beliefs and ask yourself, "Which of these beliefs is limiting my financial health the most?" Listen to the response you get.

  3. Examine the belief. Choose the most harmful belief and examine it. Begin by identifying the source of the block.
  • "How did I acquire this belief?"

  •  Where did you get this belief? Did you acquire it as a child from your own powers of reasoning? Is it something you gleaned from TV? Parents? Did you get it from a fictional movie or book? Did it come from church?

    4. Consider the quality of the source. Is your Aunt Betty really a great source of financial wisdom? How successful is the person that gave you this idea? Is a fictional story the best place to acquire a belief?

  •  "Is the source of this belief reliable?"

    5. Consider the intention of the source. If you were told by someone that this belief was a good idea, ask yourself what their intention was. Were they trying to help you or limit you? Did they have your best interests at heart?
    6. Question the validity of the belief.
    Upon close examination, you might find that the belief isn't true.
  •  Is it possible this belief isn't true? Why or why not?

    7. What is this belief costing you? Make a list of all the challenges and negative outcomes that result from this belief. The longer the list the better.

    8. Create a new, positive belief. What is a new belief that serves you in your quest to attain wealth? Here are a few examples:
  •  Old belief: "It doesn't matter if I pay my bills on time. It's only an extra $30 if I'm late."

  •  New belief: "$30 invested today is worth over a thousand dollars in the future. There's no reason to waste money. It only takes a few minutes to pay my bills on time."

  •  Old belief: "Earning a lot of money takes too much time."

  •  New belief: "If I make enough money, I'll have all the free time in the world. Besides, by prioritizing my time, I can make plenty of money and still have time for the important things in my life."

    9. Try out the new belief in your life. There are few things certain in life. Life is more of an experiment. Approaching life with this attitude makes it more enjoyable and interesting. It's also easier to try new beliefs and behaviors. It doesn't have to be a permanent change, you can just experiment.
  • Give yourself 90 days to try out a new way of approaching the world with your new belief. Just try it. You can always go back or try something else. What do you have to lose?

  •  You already know that what you're currently doing isn't working. Take a chance on something that might work.

  1. Make the belief part of you. Keep a list of your new beliefs with you at all times. A small notebook or your smartphone is perfect. Look at your list of new, positive beliefs several times each day. Read your list to yourself in bed in the morning and evening. Any other times would be a bonus.

  2. Act as if. Our beliefs change to explain our behavior. When you act in a new way, your beliefs change to accommodate that behavior. It's too uncomfortable otherwise.
  •  If you start acting like $10 matters, you'll begin to believe that $10 matters.

  •  If you save money from each paycheck for a couple of months, you'll believe that saving is important.

  •  If you study investing each day for a few minutes, you'll believe that you can build an understanding of investing.


Beliefs form the foundation of behavior. Identifying and changing one beliefs can change numerous behaviors. You get a lot of bang for your buck when you address your beliefs. 

Laura Reichert is the CEO and founder of Triangle Life Coaching. 

She offers in-office coaching and virtual coaching via video or phone call. 

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