How to Rewire Your Beliefs About Money

Breaking the Scarcity Spell

We don’t talk enough about the baggage we carry around money—and I’m not talking about your wallet.

I’m talking about those dusty, decades-old beliefs that whisper things like “you’ll never have enough” or “you’re not the kind of person who makes money.” I’ve lived through it. And if you’re a solopreneur over 40, chances are you have too.

What I’ve learned from hosting over 280 episodes of Gratitude Geek is that those whispers aren’t yours. They’re inherited. Conditioned. And most importantly—they can be rewritten.

Money Stories Are Formed Early

Judy Kane said something that still echoes in my head: most of our beliefs about money are locked in before age seven. Think about that. Seven. We can barely write in cursive at that age, but we’re already downloading scarcity scripts that can take a lifetime to untangle.

Judy helps people change those self-limiting beliefs.

And let’s be clear—it’s not about chasing the million-dollar dream just for the money. It’s about choosing to value your time, freedom, and peace. Because no amount of money will ever feel like “enough” if your mindset is rooted in fear.

Listen to 131: Judy Kane on Changing Self-Limiting Beliefs

Your Mindset Might Be the Real Block

Dr. Noah St. John calls it “head trash.” All those internal lies we believe about what we’re worth, what we can charge, and whether we “deserve” success. In his two appearances on the show, he shared the tool that changed the way I think: afformations.

Not affirmations—afformations.

Instead of forcing positive statements like “I am wealthy,” you ask empowering questions like “Why does money flow to me so easily?” Your brain can’t help but seek the answer. Wild, right?

This isn’t toxic positivity. This is deep inner work that untangles the roots of why so many of us hustle hard and still feel like we’re spinning in place.

Listen to 200: Noah St. John on Why Affirmations Fail & What Works Instead and 262: Dr. Noah St. John on Unconscious Success

Self-Trust Is More Profitable Than You Think

If mindset is the soil, self-trust is the water.

When Dawn Ledet joined me on the podcast, she reminded me how often we gaslight ourselves. We second-guess every decision, every price point, every marketing plan. We act like someone else always knows better.

But Dawn flips the script—what if trusting yourself was the actual strategy?

She teaches clients to build what she calls an “I’m so impressed” list—a running tab of the badass things you’ve done. Not to feed your ego. To feed your clarity. Because when you trust your own vision, you stop undercharging. You stop people-pleasing. You stop getting in your own way.

Listen to 282: Dawn Ledet on Self-Trust for Entrepreneurs

Gratitude Is a Money Magnet

I know, I know. You expect me to say that—Gratitude Geek and all. But Krishna Avalon brought it home when she described gratitude as the key to moving out of scarcity and into receiving.

We’ve all heard about being thankful for what you have. But Krishna went deeper. She explained how being in a state of appreciation literally opens your nervous system to possibility.

And from that space? You make clearer decisions. You attract better clients. You stop grasping and start flowing.

Listen to 197: Krishna Avalon Shares the Healing Secret Every Burned-Out Woman Needs to Hear

Your Story Is Your Superpower

Rachel Allen had me laughing and nodding and scribbling notes during her episode. She described herself as “stupid lucky,” which on the surface sounds like a joke—but it’s actually a profound mindset shift.

What if you just assumed things would work out?

What if you showed up like it’s already easy?

Rachel’s turning point came when she stopped hiding parts of herself—especially the messy, vulnerable ones.

And that authenticity? It made her magnetic.

That’s why I talk so openly about my breast cancer story.

Your story—yes, the messy parts—is part of your money magic. Don’t downplay it.

Listen to 189: Rachel Allen talks Authenticity in Marketing

🎧 Want More? Listen to the Full Series

This article is part of my Money Mindset series featuring Gratitude Geek podcast guests who’ve cracked the code on rewriting their money stories.

✨ Stream the full playlist on Spotify
🎥 Watch the curated episodes on YouTube

Whether you’re walking the dog or deep in work mode, these episodes will keep your mindset—and your money—moving in the right direction.

Your Relationship with Money

Money mindset isn’t something you fix in one journaling session. It’s a relationship—one that you build with self-awareness, curiosity, and sometimes a little tough love.

If you’re still operating from old scripts that say “money is hard,” “success isn’t for people like me,” or “I just need one more course,” let this post be your permission slip to challenge that.

You don’t need to hustle harder. You need to listen to the stories you’ve been telling yourself—and then decide whether they still belong.

You are allowed to outgrow your scarcity spell. In fact, it’s the only way you’ll ever feel truly rich.