cash flow

Are Limiting Beliefs Blocking Your Financial Flow?

Money doesn’t grow on trees.

Money is the root of all evil.

I need lots of money to make money.

You can’t be rich and spiritual.

There is a limit to how much you can earn.

Money management is too complicated.

If you’ve uttered the above statements chances are you harbor limiting money beliefs in your subconscious.  This happened a long time ago when you were at an impressionable developmental stage.

The subconscious is very powerful.  Sigmund Freud used the analogy of an iceberg to describe the conscious part of the mind vs. the subconscious part of the mind. The tip of the iceberg that is visible is the conscious mind and the vast part of the iceberg that is hidden underwater is the subconscious mind.  This analogy points to the immense hidden power that we are not aware of in terms of our beliefs.

Beliefs are not always based on truth and fact.  They are often based on what we’ve heard, observed or what we’ve been taught.  You absorbed your core money beliefs from the people and messages in your environment.  Your money beliefs dictate your financial health and well being.

We all have limiting beliefs and make limiting statements that play a role in the choices we make and how our lives evolve.  However, these limiting money beliefs do not have to define your life.  Limiting beliefs are only powerful if we remain in the dark about them.

By shining a light on them and bringing them into your conscious awareness, you can change what you believe deep down.

How limiting money beliefs create blocks to financial flow.

If you were to ask me years ago if I harbored limiting beliefs about money I would have looked at you with a blank stare.  Thinking to myself, what do beliefs have to do with money?  Well, as I learned, everything.

I grew up in a home where money was limited.  I’m from a large family that survived paycheck to paycheck.  While we were always taken care of, there was a lot of anxiety around the limited funds.  Scarcity and limit were the themes I internalized.

I also, experienced two primary relationships in my life where one person was “in charge” of the finances and the other person was not active in the management of the finances.  The passive money person was given “x” amount of money to spend each week and had no control over any aspect of the finances.

There was a definite sense of authority for the people in control of the money.  I also do not remember any talk about investments and making money in any way other than a day’s hard work.

Fast forward to my early adult life.  I did not actively engage in the management of finances.  I handed off that job to anyone that was willing to take it.  I set my money making bar low despite having a graduate degree in education.

I felt anxious and disconnected from money as an overall theme in my life. Let’s just say that my financial life was not flowing.  Of course, at the time, I looked outside of myself and could point to the reasons that my financial life was in this state.

It was like clockwork.  My financial reality was an exact projection of the limiting money beliefs I had internalized at a young age.

Uncovering money beliefs  

I successfully changed my money beliefs by putting the following into practice.  A good way to discover the hidden beliefs that may be affecting you financially is to step back in time and bring up any significant memories about money you have from your childhood.

Perhaps you witnessed your parents fighting over money or maybe one parent was in charge of the finances and the other played a passive role toward money.  Or maybe you overheard talk about how greedy wealthy people were.

If frugality was valued you may experience an inability to enjoy spending your money despite the amount you earn.

If there were arguments over money you may have an internal belief that money is negative and the source of conflict.  Therefore you will not be open to engaging with money in a positive way.

Write down words that describe the tone of the atmosphere and feelings associated with the memory.   Was the tone one of fear, scarcity, control, power?  Did you feel confident, scared, unworthy, controlled or manipulated by money? Was money a source of love?

Take a good look at your childhood money experience.  And look for connections to your current financial reality.  Connecting the dots will help you see how your beliefs are driving your experience today.

Reframe your beliefs about money

Once you’ve uncovered some of your limiting beliefs you can begin to form your own consciously empowering money beliefs.

A constructive way to think about money is to think of it as a tool.  Like anything else in life, money can be thought of and used in a constructive or destructive fashion.

A good way to start forming positive money beliefs is to make a list of them.

-money in itself is neutral

-money represents an energy exchange

-abundance is part of the design of the universe

-money is a tool

Write down your old beliefs and your new beliefs and keep it handy so you can look at it daily.  Now compare your new beliefs to your old beliefs and take careful notice that the old beliefs are flow blockers and the new beliefs allow for flow and expansion.

Immerse yourself in media that embodies positive money beliefs via books, seminars, podcasts, and conferences.  You want to create an atmosphere that supports your new view and will have a dynamic interaction with your internal belief system.  It’s also good to look to your environment to find social proof that supports your new positive beliefs towards money.

If limiting beliefs resurface acknowledge them and remind yourself that these are not your beliefs and that you have formed your own set of constructive beliefs about money.  Put your newly formed beliefs into action by creating positive money experiences.

With these beliefs as your foundation you will see a shift in how you view money and ultimately this will reflect in your finances.


Sheila McCann is the creator of the Rainbow Framework a universal framework for life, love, wealth, creativity.  One look and you’ll get life in a big way.  Pop on over and get your free rainbow framework e-book and visual.