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Let’s take a look at some of the biggest limiting money beliefs that are stopping people all around the world right now — and maybe even you — from really achieving and living your richest life.
It's not just enough to look at what we're doing; we have to look at what we're thinking. Because if the inside is not on par with the life we want to live, then it won't lead to the actions that are necessary in order to manifest and create that life.
1. Money is Hard to Make
I definitely used to think that — believe the idea of having to go and truly work for your money. This hustle culture, this grind mentality — you and I logically know that the hardest worker is not necessarily the richest person. There are people working crazy hours, in factories, night shifts, all around the clock, and their bank account is not reflective of that work. Yet, there are people working very few hours who are multimillionaires, if not more.
So logically, we know that work alone is not the answer to success. This limiting belief — that you have to work really hard for money — stops you from spotting the opportunities where money is easy to make.
When I talk to people about investing, I often hear the same thing again and again: “It sounds too good to be true.” For example, instead of leaving your hard-earned money in a bank account where it's losing value due to inflation, what if you could put it somewhere it works for you?
It sounds pretty good, right? Yet many still resist because they believe you must work hard for money, and if something feels too easy, it must not be real. This stops people from noticing areas in their life where money could come in with more ease.
Let’s differentiate here — this isn’t about creepy get-rich-quick schemes that claim to 10x your money overnight. Be very cautious of those. Even with investing, it requires patience, dedication, and persistence. But it can definitely help you make more money more effortlessly than just grinding away at your current work.
2. Rich People Are Really Greedy
This was definitely one I grew up with. I can remember my father saying all really rich people are just crooks. He especially detested bankers and those in the financial industry — ironically, the very path I later followed.
If you believe that rich people are greedy, and being greedy is a bad thing, then even if consciously you want more money, subconsciously you’ll block yourself from achieving it. You don't want to become what you believe is "greedy."
Amazing opportunities could come your way, but your mind will find some reason to reject them — not because they aren’t right, but because they don’t align with your belief system. If wealth equates to greed in your mind, then you’ll sabotage your own growth.
Think of someone getting an amazing promotion opportunity and then ruining the interview or underperforming. Why? Because they don’t identify as someone who should be rich. That belief can lead to self-sabotage.
3. I'm Just Not Good With Money
If someone believes they’re just not great with money, what kind of life do you think they will have? They won’t take authority over their finances. They may spend recklessly, fall into debt, have no savings or investments — all because they identify as someone who lacks control.
Do You Resonate With These Beliefs?
Check in with yourself — do you resonate with any of these beliefs?
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You’ve need to work really hard for money
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Rich people are really greedy
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I’m just not good with money
If yes, it’s important to be aware. Because if you’re not taking control of your money due to limiting beliefs, then money will always control you. That is exactly what needs to change — to put the power back in your hands.
This involves not just financial strategies, but also the deeper inner work to shift your mindset. If your internal beliefs about money are messed up, no strategy will help long-term. You might take action, but it won’t be consistent or lasting.
The Importance of Changing Your Beliefs
I’ve spent over 10 years in corporate finance and the financial industry, and I’ve heard it all. But here’s what I’ve learned: your subconscious mind is trying to prove you right. If you believe you're not good with money, your subconscious will find evidence to support that.
If you believe you have to work really hard for money, your subconscious will attract situations that confirm that belief.
It's like tuning into a radio station. If your beliefs are limited, you're tuned into "Scarcity FM." You'll never hear the messages from "Wealthy FM." Your reality will be completely different than someone who is tuned into abundance.
How to Change Your Money Beliefs
Identify the belief.
What do you truly believe about money? If you’re not sure, write down your specific financial goal — a number. Then ask yourself: “Why do I believe this isn’t possible for me?” Your third answer is usually the most revealing.
Ask when you started to believe that.
Was it something from childhood? Did you hear your parents say, “Money doesn’t grow on trees”?
Ask if it’s actually true.
It might be real for some people — but is it universally true for everyone?
Create a new belief.
Maybe you can’t say “Money is simple to make” yet. But try: “Money can be easy to make when I find the right strategy.” That creates a bridge between where you are and where you want to be.
Look for evidence of your new belief.
If your new belief is “Rich people can be generous,” go online and find real-world examples. Show your brain that your new belief is just as valid — if not more — than the old one.
Final Thought
Money is just an amplifier of who we already are. The more you have, the more you can give. There are greedy people who are rich, and greedy people who are poor. But there are also generous people in both groups. So choose a belief that supports a healthier reality.
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