Reading Time: 7 minutes

Let’s talk about money. Eeeeek?!

Money is a very passionate topic for me that I can literally discuss any time of day. More specifically our money mindset. When I am not talking about it, I am thinking about it. When I am not thinking about it, I am reflecting on it.

I have even started teaching my children at a young age how to master this topic.

Why, you ask?

Well, simply put, it literally is the foundation to financial freedom. You want to be financially free, don’t you? Of course you do! This is what has inspired me to create micro mini lessons around the topic of money to help people shape up.


Each and everyday I encounter many people who share their stories of struggles and successes. The thing that most people seem to have in their life is a love-hate relationship with… you guessed it, MONEY!

You are probably wondering what I mean when I refer to the emotions of money. Let me be more specific. I am referring to the emotions that we, as human beings, attach to money.

Huh? We attach emotions to money?

We sure do! To get even more specific, the emotions we attach to our money determine the success or lack of success we have with money.

In this section, we dive deep into some of the common emotions that we attach to our money, both consciously and subconsciously. We are also going to dig up some of the dirty beliefs many of us have about money and understand why we have them.

Before we begin, I want to define the words conscious and subconscious.

Conscious: being aware of one’s own existence, sensations, thoughts, surroundings, etc.

Example: Waking up in the middle of the night to get a snack, you are fully conscious and aware of what you are doing (unless you sleepwalk).

Example: Paying an outstanding bill online, you are aware of its outstanding status and you take the necessary actions to payit.

Subconscious: existing or operating in the area of the mind beneath or beyond consciousness.

Example: The sense of smell can be a subconscious influence on our actions

Example: A person can wake up knowing the solution to a problem that their subconscious has been considering.

Alright, enough with the wordy definitions; let’s move on to learn about the emotions of money and how they have such a profound effect on our MOOLA.


Money is a touchy subject for most.


It quite frankly makes people downright uncomfortable and is, without a doubt, taboo to discuss at the dinner table. Money is a subject that is raw, highly personal, and charged with many emotions.

The truth is … money is a tool.

It is something we need to make the world go round. However, we make it extremely complicated. Money rules the lives of many people. It determines how they feel, act and, worst of all, think.

Let’s take a look at the common negative emotions that surround money both consciously and subconsciously.




Anxiety: distress or unease of mind caused by fear of danger or misfortune

Shame: embarrassment of feelings of guilt, foolishness, or disgrace

Despair: loss of hope; hopelessness

Guilt: a feeling of responsibility or remorse for wrongdoing, real or imagined

Insecurity: not secure; exposed or liable to risk, loss, or danger

Failure: nonperformance of something due, required, or expected

Helplessness: inability to help oneself; weak or dependent

Frustration: a feeling of dissatisfaction, often accompanied by anxiety or depression, resulting from unfulfilled needs or unresolved problems

Hatred: intense dislike or extreme aversion or hostility

Scarcity: insufficiency or shortness of supply

As I mentioned earlier, there are many people that are tormented by these emotions. So if any of these emotions sound familiar, do not worry. The exercise below is designed to help you identify, reflect and move forward




What are your emotional responses to money?

  1. A. I am paralyzed with fear and unmotivated to achieve my goals.
  2. B. I have some worries, but I generally feel okay.
  3. C. I feel in control almost all of the time and I am moving forward to my financial dreams.

How do you feel about the organization of your financial paper?

  1. A. I feel so frustrated. What’s the point of looking at them? I can’t stand dealing with finances.
  2. B. I am overwhelmed. Yeah–they are in a big pile. I really am going to get organized someday.
  3. C. I feel in control. I have a filing cabinet with all of my paid and pending bills and permanent records, as well as a safe deposit box.

How do you feel about your current net worth (the total of your assets minus the total of your liabilities)?

  1. A. Huh? What does that mean?
  2. B. I’m doing okay, but I am confused. I haven’t really figured it out.
  3. C. I feel confident that I am on the path to financial freedom.

Do you save at least 10% of your monthly income?

  1. A. Yeah, right! I’m so swamped with debt that I can’t even think of saving!
  2. B. I don’t save 10% but I try to save something most months
  3. C. Actually, I save more than 10% of my monthly income




If you have answered with mostly A’s and B’s you are heading into a danger zone. It is really important that you acknowledge the situation you are in, commit to change, and establish a plan of action. I am proud that you have made the commitment to take this program. You owe it to yourself! Let’s get up, get going, and get back in the black (financial term for your accounts in the positive)!

How do you feel about your results?
What concerns you?
What would you like to change immediately?

Record your thoughts in your journal. Give detail and be specific.