I’m here to share what I had to do to overcome and reprogram my mindset to allow me to feel really good—and not weird—about money. Here’s how you can do it too.
We’re talking all about limiting beliefs, money mindset, & things we grew up learning that are nonsense. For me, there was always a weird energy toward money. My parents would say things like, “money is the devil,” and, “if you have money, then you’re taking away from other people.”
When you’re growing a business, you need money, or you won’t have a successful business. So, my husband, Willow Kaii, and I are calling out what we were told growing up that challenged us with a limited money mindset.
Money mindsets are so situational. A lot of it depends on your growing up. The majority of my childhood was spent living on food stamps, section 8 housing, with government assistance programs. My family’s money mindset was extremely limited and didn’t include an understanding of our capabilities and potential.
One experience in particular that comes to mind is shopping. For me, there was no shopping unless it hung on the sales rack. Truthfully, now, I still have a hard time purchasing anything that’s not on sale. My mind is wired to be more attracted to what’s on sale. I think there’s more to it than that, but growing up, I was taught, “the cheaper, the better.”
Money mindsets can form in other ways too. Here are a couple of examples:
The Broke College Student: We all know the example of the broke college student… Just barely making their way through school, scrounging up whatever change they can manage. Well, this situation can manifest into a money mindset later in life.
Single Parents: Being a single parent, or even in a lower-income family, can be tough. You’ll be counting coins and saving money in any way you can. Just like in college, this lifestyle is hard to break and easy to continue.
Growing up on a lot of government assistance, I had the goal of living a life where I didn’t need to worry about money. From an early age, I knew I was going to be able to achieve that. My goal was to be making $100,000 a year by the time I was 25 years old. I didn’t know anyone who was doing it and didn’t know how it was possible. I just knew that I would figure it out.
By the time we started making money in our business, I had already opened my mind so much to the idea of money being available. Willow had worked in tech sales, and there was just so much money in tech I found it hard to believe. However, in our business, I really struggled with charging what I felt I was worth, especially when I was launching my first and bestselling course, the Wealthy Web Designer.
Willow really struggled with losing clients. Whenever a client would decide to part ways, he would get pissed. I looked at things from another angle. In my mind, one client leaving just means there’s room for another, better client.
You Are Capable: People think Willow and I should have gone to school. There’s this limiting belief in our society that going to school is the thing you’re supposed to do to be successful. They don’t understand that you can network and learn just as much online. It’s projecting a fear-based, scarcity mindset on us that’s been taught to them over generations.
You Can Charge What You’re Worth: Some people really struggle with this because, as you raise your rates, it can be a bit awkward. It might even be rooted in the fear that those who are making less are judging you for charging more. Either way, this is a limiting belief because it comes down to not believing you are worthy of more. Trust me, you are.
Four Shifts To Make To Your Money Mindset
Here are the four things I recommend to change your money mindset:
Don’t Stop What You Enjoy
I saw a guy on my TikTok saying, “I’ll never be able to afford a house if I keep buying lattes from Starbucks.” In my opinion, that’s a bad money mindset.
Whether it’s a latte, a new sweater, or a trip to Chipotle, do it. If it makes you feel good, it makes you feel good. That feeling is going to build the energy for you to keep doing the things that make you feel good. If you’re building a business, for example, you need to be in that state. So, if that latte is going to make you go home and crank out work, then do it.
Of course, there should probably be a disclaimer here. If you’re in a tough position, maybe you need to treat yourself less frequently. But don’t stop it altogether. Sometimes, you need a little something in your life that makes you smile.
Wanna know what makes me smile? Passive money. Ok, there are a ton of other things too, but passive money is definitely one. Read about my passive money-making strategy here.
Dealing With Missed Opportunities
I never let myself feel disappointed when I miss out on money opportunities. If I let myself feel upset, I’m letting that money energy go. That emotion can block new opportunities from coming in.
I live in the mindset that those lost opportunities are meant to be lost. In all honestly, I get excited when things go array—I believe that there’s usually something better on its way. And almost every single time an opportunity hasn’t worked out, something better than I even imagined happens.
Open Yourself to Possibilities
Let yourself be open to possibilities with money. Let there be room for money to come into your life. Daily affirmations can help you open the door.
For example, telling yourself, “I’m worthy,” and, “I can charge X for my services,” can lead you to have more confidence. Start setting goals and finding the best way to achieve them. If your goal is HUGE, break it down into smaller goals that are more manageable.
Your goals can revolve around the number of clients you have or your monthly salary. A great way to set goals revolves around SMART goals. You’ve probably heard of these, but if not, it stands for specific, measurable, achievable, relevant, and time-bound. A great example of a smart goal is you want to make $6k per month in passive income by the end of next year.
Set Your Life Up To Achieve Your Goals
Finally, live like you are already achieving your monetary goals. What does someone live like when they’re making $10k per month? Are they watching TV all day, partying, and consuming too much alcohol? Sure, some might be, but I think the majority aren’t. They’re hustling, focusing, and improving their skills.
Whatever is stopping you from reaching your goals, cut those things out now. Become that person who has reached your goals before you get there.
Success was never a question for me. Even after dropping out of high school and living the “digital nomad” lifestyle with absolutely no plan in place, I knew for a fact that there were big things waiting for me. When I found the online space in 2016, everything clicked. Starting as a VA, I finally found something that I could do while traveling the world (which is all I’ve ever really wanted out of life). But despite the fact that I was no longer tied down to a place of work, I was still limited in my income and feeling creatively unfulfilled. When I finally decided to allow myself to be the passionate creative that I am deep down, and took the plunge into the world of website design, everything changed for me. I work on my own time, with unlimited income potential, designing websites for passionate entrepreneurs, and I can teach you to do the same.
If you’re wondering where life could take you as a creative who feels allergic to the 9-5 lifestyle, I’d like to welcome you into my family. I gave a resounding “f*ck no” to the “traditional” a long time ago, and I’ve seen just how beautiful it can be when you chase your passions and turn them into massive profit.
150+ websites, 1,300+ students, and MILLIONS of dollars earned by my students… that’s a recipe for living a life that you’re excited to brag about.
High school dropout turned creative multi-millionaire.
Letting you in on the secrets to living your best damn life.
Becca Luna is a free-spirited, anti-gatekeeping queen who teaches passionate people to turn their creative drive into a profitable online web design business. She’s helped thousands of entrepreneurs build the life of their dreams. Want to be next?