We’ve come to the final installment of our Money Mindset Series. Over the past few months, we’ve explored how to break free from scarcity thinking, boost your money confidence and self-worth, and conquer the fears that keep you stuck. Today, we’re pulling it all together—let’s talk about how to create a lasting, empowered money mindset with three essential habits I recommend to all my clients.

1. Identify and Challenge Limiting Money Beliefs

First off, realize that no one is perfect when it comes to money mindset. What matters most is your willingness to catch yourself in those old, limiting beliefs. Noticing is the first step to rewriting your internal script. Each moment of awareness is an opportunity!

When you notice yourself thinking, “I can’t afford this,” try flipping it to, “How can I make this happen?” This little shift is powerful: instead of focusing on limitations, you focus on possibilities. You may be surprised by how you’ll start coming up with solutions.

Other common limiting beliefs to watch out for:

• “Money is bad” (we’ve all heard it somewhere, at some point). Try replacing this thought with “money is a tool for good.”
• Instead of seeing money as a source of stress, see it as a resource—something you can use to create value, improve your life, and help others.

This is deep, important work. It may be challenging to do. Why bother? Because changing your money beliefs can do much more for you than simply save money. It can:

• Break cycles of self-sabotage. Are you unconsciously overspending, or avoiding investing out of fear? Changing your mindset can help you get out of your own way and start making real progress in areas where you may feel stuck.
• Change generational patterns. Are you less than thrilled with the legacy of money beliefs you were taught? You can change that. Instead of passing down old family scripts about money, you can set a new standard for yourself—and for the next generation.

2. Practice Gratitude

You may find it hard to believe, but gratitude might be one of the most powerful daily practices you can do to change your mindset. This small but significant habit touches everything. Here are some examples of what shifts when you embrace gratitude:

• You experience more satisfaction, instead of feeling pressure to keep up with others.
• Impulse spending decreases—because you’re focused on what truly matters to you.
• Your financial stress drops, leading the way to clearer thinking and better decisions.

A simple gratitude practice can lead to significant changes. How to get started?

• Stop and reflect. Some people find a gratitude journal helpful. You can write down 1-2 things you appreciate every morning or evening as part of your normal routine. Try it for a week and see what happens.
• Celebrate small wins. Did you hit a savings goal? Learn a new money concept? Jot it down. And reward yourself! Rewards don’t have to be extravagant. Think binge-watching your favorite show or taking a peaceful walk in nature; something simple that makes you feel good.
• Reflect on challenges you’ve overcome in the past. Whether money-related or not, tough times hold a gift. Take a moment to recall a past challenge, acknowledge your strengths, and how far you’ve come. Let your progress be a guiding light.

3. Surround Yourself with Supportive, Motivating People

We are social creatures, and the company we keep shapes our financial lives in more ways than we may realize – both positively and negatively. Here are some ideas on how you can make this work for you.

• Schedule regular check-ins with an accountability partner (or as I like to call it, a “fellow traveler” on the financial journey). It could be as simple as a walk-and-talk, a coffee date, or a phone call—the key is consistency.
• Be open—share your money journey with a trusted friend. I realize that money may feel like a very private topic, so I’m not asking you to share your financial life with everyone! But opening up to a close friend can change your experience with money profoundly. The more you normalize talking about money, the more you reinforce your empowered mindset.
• Remember, we become like the five people we spend the most time with—so choose wisely! Spend less time with those who reinforce bad money habits and more time with those you admire and want to emulate.

The benefits of supportive friends:

• You reinforce good financial habits and are less likely to dive back into old habits which aren’t helpful. You also develop resilience: when tough times hit you, friends can help you view setbacks as learning opportunities, not reasons to quit.
• Get access to shared resources and knowledge you wouldn’t have alone. Sometimes the right conversation with the right person sparks a new solution or opportunity.
• Most importantly, you enjoy emotional support, which goes a long way toward relieving money stress and helping you make clearer choices going forward.

The Big Picture

Building a lasting, empowered money mindset isn’t about becoming someone else—it’s about realizing your own resourcefulness, strength, and abilities, day after day.

The three habits above are the foundation for real, lasting financial security and freedom. They matter just as much as saving and investing!

Further Resources

Here are a few of my favorite books to reinforce these concepts and help you continue learning:

• The Millionaire Next Door by Thomas J. Stanley and William D. Danko: Classic research into what real-world wealth builders look like, who they are, and what they do on a daily basis (you might be surprised!).
• The Art of Money by Bari Tessler: A different take from a financial therapist, this book offers a compassionate, “inside-out” approach to healing your money relationships and creating positive money habits.
• The Ten Commandments of Financial Happiness by Jean Chatzky: Positive and uplifting as well as practical, Jane explores the concept you don’t have to be rich to be happy; but you do need to pay attention to your money.

Here’s to you and your healthy money mindset! If you need support, we’re just a phone call or an email away.