Your money mindset - Feb 2026

Our Moneymind set is thoughts about money that affects how we make decision. 
Every one has a unique set of beliefs and emotions attached to money.
Money mindset is greatly influenced by your values, learnt from significant people observed behaving around money growing up, your environment, culture, educational background,  mostly importantly its processed thoughts and beliefs in your mind from personal experiences. 

> Don't take on money beliefs that doesn't serve us. we cannot change money beliefs from previous generation  as they are from a different generation, perspective, experience, fears.
Change our own beliefs to empower ourselves. 

Our financial situation often correlates with our money mindset and our money mindset determines our relationship with money - how we earn, keep,grow, invest. 

"Where you are financially today is where your money mindset allows you to be."

Do you know your relationship with money is a feeling? How do you feel towards money?

Your mindset can make a big difference in your life if you know how to activate it. Yet, people are often not aware of your money mindset and live in a default mode of "making decisions" or not "making decisions" based on the money mindset that is inherited subconsciously.  

My key take-away was being watchful/ my feelings towards MONEY, using/keeping/spending/saving/gifting MONEY, extended beyond to how I show myself to outside world.

What does my relationship with money look like?
Interestingly, your relationship with money has no correlation to the actual amount of wealth you have.

Networth calculator provides an objective gauge on your financial standing, this can be completely misaligned to your mindset about money. 

Where are you on this scale and where do you aspire to be?

Scarcity mindset - feeling of lack, never enough, trapped and hopelessness.
Struggling - every dollar comes in goes out. Debt is common to make ends meet. Feeling stressed out and unable to see the future. 

Comfortable - Income is able to meet most family needs, but with hardly any extras. Able to cope if there are no unexpected negative changes, unable to save or plan for the future. 

Confident - Sufficient for self and family, with extras regular treats like vacay. Feeling secure and able to plan for future. 

Abundant - More than enough, feeling grateful and abundant.  Able to give generously and help others in need. 

Your Purpose of Money-Purposeful 

Have you ever come across someone spending money in a very different way and thought that person must be crazy? Or disagreed with your spouse/parent or child over a purchase? Thought - 

"They are so wasteful, I would never do that" 
"They are so stingy, they work so hard and never spend at all. I would never do that"

Many assume they have the same purpose of money as themselves, but its not true!
Each of us value money for different things according to our money values, believes, financial circumstances.

Money is just pretty printed paper / plastic or digits in bank account. It is only meaningful if it serves a purpose.  
>live in the present moment and enjoy life, live in the moment experiences 
>family & medical care
>passion, hobbies, charity project
"Change your story, change your life"

"As I change my thoughts, the world around me changes"

Explore your current money story and how to shift them to more empowering ones?

Money triggers certain emotions in you.  
"Its only a thought, and a thought can be changed."

Limiting beliefs are thoughts that are ingrained in you, which you think about repeatedly (subconsciously). They create negative feelings and hold you back from attracting what you want. 

You can identify limiting beliefs as not facts and not universal truths. 

Limiting beliefs conveys a sense of lack, scarcity, fear and insecurity. 

What are your beliefs about money?

What did you learn from your parents about money? 

What were their beliefs? Did you agree with them? How did they behave around money?

What are your spouse/partner's beliefs about money? How did they influence you?

Were there any incidents that affected your money beliefs?

What are some of my current money beliefs that needs working? -

 

1. money should be kept away, not flaunted, being discrete is a virtual.  - fear
2. Fear of letting others know what you have in case it’s taken away from me. - scarcity
3. I must have more money in My wallet than the cost of the wallet itself.  - Insecurity
4. Work hard, there's no free money in the world.

Replace these with : 
I am allowed to enjoy my life today.

I can earn money being at ease as well. 

The Lord provides and supplies my needs according to his riches, and promises so that I can abound in every good work. 

Question this : If the belief feels good for you, keep it. Discard anything that does not feel good. 

Rewrite your money mindset story.

Let go of anything that feels negative.

Understand from others point of view, but it is not necessary to take on their belief. 

Forgive yourself and learn from the past. move on. 

Stop blaming and complaining, being a victim. 

Some good money mindsets - 

I am learning to spend my money wisely. 

I am responsible for my own finances. 

I am learning to be a better investor. 

I am allowed to enjoy my life today.

 

Imagine The abundant version of you, who feels secure and steady.

How does that person think about money?

How do they invest?

How do they speak about their goals?

How do they carry themselves?

Abundance, is calm and secure, not loud. 

This blogpost from Dinah was using an example from my personal heartfelt story when my husband bought Baignoire watch.

2 Cor 9:8 

God is able to make all grace abound to you, so that having all sufficiency in all things at all times, you may abound in every good work.

Philippians 4:19

And my God will supply every need of yours according to his riches in glory in Christ Jesus.

John 1:16   

For from his fullness we have all received, grace upon grace.

Jeremiah 17:7-8

“Blessed is the man who trusts in the Lord,

    whose trust is the Lord.

8 He is like a tree planted by water,

    that sends out its roots by the stream,

and does not fear when heat comes,

    for its leaves remain green,

and is not anxious in the year of drought,

    for it does not cease to bear fruit.” 

Matthew 6:19-21

“Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.

True abundance is a gift of divine grace, blessing, and purposeful provision. They highlight that abundance—whether spiritual, emotional, or material—is to be received with gratitude, trusted in as a promise, and shared with others generously. 

What I can do now : 
1️⃣ Notice the abundances in your daily life

2️⃣ Practise receiving with grace, confidence and dignity

3️⃣ Stop saving the “good things” for special days -  allow yourself to enjoy life today!

4️⃣ Practise giving - from abundance, not out of obligation.

Now, practice receiving with grace. 

Footnotes

Excerpts from Elon Must which clearly reflects his beliefs on money and philosophy on wealth: "People get confused that sometimes they think an economy is money. Money is just a database for exchange of goods & services. That's it, so money is a database. Money doesn't have power in & of itself. The actual economy is goods & services." "you can run the thought experiment. If you get shipwrecked, and you've got a trillion dollars in a Swiss bank account. Its worthless, you'd rather have a can of soup."

Source : https://x.com/elonmusk/status/1885188077544501262

Reflecting his philosophy: Money/wealth isn't inherently good or bad—it's a scorecard for value created (through making useful things). He sees extreme wealth as tied to massive productive impact, not zero sum games.

"My Tesla and SpaceX shares, which are almost all my “wealth”, only go up in value as a function of how much useful product those companies produce and service. This means my “wealth” can only increase due to producing more products and services for the public. Moreover, anyone else who is a shareholder in Tesla and SpaceX, which incudes employees, participates in the upside of stock appreciation. That is because I am a maker, not a taker like the Bernie Sanders type politicians of the world. They take and they’re on the take, because they cannot or will not make." -https://x.com/elonmusk/status/2006014310607167607

"Poverty can and will be eliminated, but envy is eternal." - https://x.com/elonmusk/status/1991340672532771224