How To Stop Being Broke

Feeling like your wallet’s always on a diet? Anorexic even?

Or perhaps you feel like you’re stuck in a loop of bills, debt, and wishing for a client or a paycheck that actually lets you breathe?

Maybe you feel like Sandra does.

Look, I get it.

I spent three years homeless on the cold streets of Toronto, and I’ve thought every crappy money thought you can think of.

• Life is hard.
• Money is impossible.
• Feels like you’ll be broke…forever.

And what’s worse, it seems like no one will help.

Or worse than that, even the ones who try to help… just can’t.

And those are all fair things to think and feel.

You’ve likely tried to learn about finances from YouTube, Google, ChatGPT and more already, with no luck.

And I get that too.

Most money gurus will fail you.

They won’t offer an abundance of ways to stop being broke.

Plus, they often start a business or two, get lucky and rich, and then can’t replicate their success with other businesses, because they don’t actually know the process or understand what money really is and how it works.

And the finance-boosting methods they do offer –the ones that worked for them– likely won’t work for you.

But my homeless years (and the mindset-based way I got out of them), taught me a lot about abundance. I know more, because I’ve lived through more.

Plus, my absurd amount of failed businesses, combined with my successful consulting career helping multi-millionaires grow their brands…

…taught me what money really is.

Plus I’ve worked jobs in warehouse jobs, retail, cubicles, “bullsh*t jobs“, and everything else in between.

I’ve read thousands of books, and successfully applied practical economic approaches, money manifestation methods, and money-mental-health stuff.

I’ve taught starving artists how to make money, I’ve taught OnlyFans models how to make money, and I’ve taught successful people how to really grow fast.

It may sound cocky or arrogant, but I don’t believe you’ll find better or more effective money wisdom on the internet.

So if you’re tired of scraping by and ready to rewrite your money story for financial independence, you’re in the right place.

One thing you should know though…

Being broke is more than just a financial state—it’s a mindset.

And there’s a lot of people in the r/povertyfinance subreddit venting and commiserating and embodying their broke mindset. There’s even songs about it.

Specifically, a scarcity mindset.

“Most people are deeply scripted in what I call the Scarcity Mentality. They see life as having only so much, as though there were only one pie out there. And if someone were to get a big piece of the pie, it would mean less for everybody else.” – Stephen Covey

Other money advice articles touch briefly on mindset, but not nearly enough to get the job done for you.

And that mindset’s an invisible cage keeping you trapped in the cycle of struggle.

Whether it’s struggling to find customers, living paycheck to paycheck, drowning in debt, or feeling like money is always just out of reach, the core problem is always rooted in how we think about money.

But here’s the good news: you have the power to change that.

In this post, we’re diving deep into 129 practical tips that will help you shift your money mindset, break free from financial scarcity, and start building the wealth you deserve.

From everyday mindset shifts to game-changing strategies, you’ll walk away with actionable tools to stop being broke—once and for all.

Get ready to change your finances, and trust me, tip #81 will blow your mind.

So let’s get to it…

How to stop being broke: Explained clearly

That said, stopping a cycle of poverty or struggle is easier said than done, because “life” won’t always cooperate.

So you must align your physical, mental / emotional, and spiritual self with abundance and prosperity as much as possible in order for ‘life’ to cooperate with your plan to stop being broke.

That means improving the day-to-day physical choices you make, the mental and emotional attitude you bring to each of those choices, and your alignment with nature, karma, Source, the universe, or whatever higher power you believe in.

Some people only need to improve one of these three financial aspects, while others need to improve all three.

“Anybody can be going from being broke to being wealthy, as I did.” – Jon Lovitz

Regardless, failure to improve your alignment with any or all of these three aspects can keep you broke, while getting the hang of these approaches to healthy finance can be one of the most rewarding things you’ll ever do.

Let’s look at the case study of Lawrence Delva-Gonzalez’s journey from debt to wealth, for example.

Lawrence’s journey was one of overcoming financial struggles through positive money habits and abundance thinking.

In 2012, Lawrence was $150,000 in debt, working a job that paid only $27,000 a year.

Think about that.

Raised in a low-income household in Haiti, he faced significant financial challenges, including student loans and credit card debt.

But, through determination and strategic financial planning, Lawrence and his wife achieved financial independence and are free to retire early or do most anything else they desire.

How’d he do it?

1. Lawrence adopted rigorous budgeting practices and invested heavily in retirement accounts. He recognized that consistent, long-term investing would yield significant returns.
2. He strategically tackled his credit card debt, prioritizing high-interest balances. As his income increased through career advancement, his debt-to-income ratio improved rapidly.
3. In 2016, Lawrence purchased a home for $132,000, demonstrating his growing financial acumen and willingness to invest in assets.
4. Lawrence’s upbringing in Haiti instilled a sense of resourcefulness that proved invaluable. He viewed challenges as opportunities for growth, stating, “Resourcefulness is probably one of [the most important traits], especially when everybody thinks that things are falling apart.”

By 2017, Lawrence and his wife had paid down their debts to achieve a net worth of zero.

They broke free of that crushing debt, breaking even.

Continuing their positive financial habits and abundance mindset, they grew their net worth to an impressive $1.5 million in just over a decade.

Lawrence’s case study shows how a step-by-step shift from scarcity thinking to one of abundance, allowed him to make better choices.

His remaining calm and focusing on resourcefulness not resources, allowed him to make disciplined financial practices, which led to remarkable wealth creation.

His story is particularly inspiring as he achieved this without elite jobs or risky investments, proving that consistent effort can beat financial obstacles.

Your path to wealth won’t look exactly like Lawrence’s, but it will share the elements of getting your financial thinking and attitude right, while making superior day to day choices.

What will your path to wealth look like? I don’t know. None of your favorite gurus know. You yourself don’t even know.

Only your soul, intuition, or subconscious knows.

It’s similar to a path up the mountain though:

“Imagine you’re climbing a mountain with a goal of reaching the peak and admiring the amazing view. Maybe you’ll get sunshine, maybe rain. You may get lost, you may fall and injure yourself. The difficulty of the climb is not always apparent until you’re in the thick of it. From the ground looking up, the path may seem obvious, but along the way you’ll certainly need to reassess and change your path to the peak. You are under no illusion however, that there will be some golden escalator that will take you to the peak.”  —B.C. Marx

The trick of how to stop being broke… is actually simple.

Simple solutions to difficult problems do exist.

Technically, you don’t really need a guide this long, or an entire wiki about financial freedom.

There is a simple solution to how to stop being broke, and it’s exactly what I outlined above.

Which means that you don’t actually need 129 money tricks for how to stop being broke.

You just need one simple money solution.

Or one of three, depending.

• If it’s a physical solution, you just need to fix “money in vs. money out.”
• If it’s an emotion-based solution, you just need to have attitudes of joy and prosperity as you navigate your moments.
• If it’s a spiritual solution needed for wealth, you just need to see the love, light, and spirituality in all of reality, yes, even the dark parts.

But almost nobody is going to pull these things off on their first try.

Any one of these solutions is kind of like yanking a tablecloth out from underneath a set of dishware.

Simple, but there’s tricks to it, it takes practice, and you might make a pretty big mess on your first few attempts.

So even if some expert, guru, or kind-hearted helper gives you the simple solution, you will almost certainly make it more complicated than it needs to be.

And I don’t want it to be this way, but…

You will likely struggle to implement the jaw-droppingly simple solution.

Because your broke-ness, and everybody else’s, is due to generational trauma, years of inculcated misbeliefs, and tons of practice being financially terrible.

So even if the solution is simple…

…you have massive amounts of un-learning that must be done, and you have huge amounts of practice waiting for you.

Here’s an excerpt from an Earl Nightingale talk:

“Let’s take 100 men at age 25—each believing they’ll succeed. They have dreams, energy, and excitement for life. But by 65, the statistics are shocking:

1 will be rich
4 will be financially independent
5 will still be working
54 will be broke
Only 5% truly succeed. Why? What happened to their ambition, dreams, and plans?

Success, simply put, is the progressive realization of a worthy ideal. If a person is working toward a clear, chosen goal, they are successful. If not, they fail.

Psychiatrist Rollo May noted, “The opposite of courage in our society is not cowardice—it is conformity.” And that’s the issue. Most people conform, following the crowd without direction, believing life is shaped by outside forces rather than their own choices.

A survey once asked working men, “Why do you get up in the morning?” 19 out of 20 had no real answer—just that “everyone does.”

But true success is deliberate. The teacher who loves teaching. The mother who thrives in her role. The gas station owner who fulfills his dream. The top salesman committed to growth.

Success isn’t luck. It’s choosing a goal and working toward it—on purpose.” – Earl Nightingale

So, just like the finance gurus, I am telling you wealth is simple, easy, and perhaps even effortless, but if you’re like I was, you’ll make it very hard to get the hang of.

I’d love for you to open your mind, relax any tense muscles, and be a blank slate of a sponge, ready to absorb financial wisdom.

But if you’re like most people, you’ll likely resist changing yourself, your career, your circles of friends, your moment-to-moment choices.

But a change in wealth requires a change in self.

And a consistent, bold change in wealth requires a consistent, bold change in self.

So please set your expectations accordingly.

And even me telling you this, doing my best to set your expectations, may not be enough.

Because I’ve never sat someone down, explained how simple it is to earn a decent income, and had them instantly get it.

In fact, they often treat me like an enemy, as if I’m attacking them by providing deep, insightful, freely offered money wisdom.

Instead of listening attentively, and looking to make changes to their life… they fight.

• They resist.
• They complain.
• They make excuses.
• They get distracted.
• Go on tangents.
• Blame others.
• Blame society.
• Feel guilty.
• Overcomplicate.

And anything else they can do to make teaching them a nightmare.

Sometimes people’s stubborn egos and resistance to change are so bad that I just leave them broke, and move on to converse with an abundant-minded entrepreneur who gets financial basics.

And it’s OK.

Like I said before, I get it.

And remember, I was homeless for three years, and the whole time I was, I was stubbornly unteachable too.

So instead of one simple money solution, here you get an abundance of different tips that all hint at the real truth of wealth-creation.

Hopefully, you’ll apply enough of them for that deeper truth to ‘click.’

Besides, money is a triggering topic.

If you want to improve your money situation, you must beat your triggers.

For example:

• Do you get defensive when people point out you don’t understand money?
• Do you get defensive when people point out abundance issues?
• Do you get defensive when people point out your circles are keeping your poor?

If you get defensive when being given valuable information about money, wealth, and how to stop being broke…

If you think you know more or better than the person teaching you…

If you make excuses for every solution that is generously offered you…

…then you’ll stay broke.

So let’s start with one of the most triggering truths:

Your wealth is under your control (or at least hugely under your influence.)

Do you believe that?

Do you believe me when I tell you that your wealth is hugely under your influence?

It’s tempting to say that “the government, or our bosses, or our customers are in control.”

“I think if you talked to people on the street today, they would tell you… ‘The government’s running a trillion dollars worth of deficit, why isn’t the economy improving? The government’s gonna spend almost 3.7 trillion dollars, why don’t I have a job?’” – Jim Puplava

It’s tempting to say that “if a hurricane hits and wrecks my finances, that is not in my control.”

It’s tempting to claim that “narcissistic exes, scammers, or thieves have more control over our finances than us.”

I get it, I’m not sticking my head in the sand here. (I mean, I’ve watched “How Gen Z Became The Poorest Generation“, and you can see plenty of insightful links throughout this post.)

• Yes, it’s extremely possible the system is broken AF.
• Yes, it’s extremely possible the elites are squeezing everyone and taking more for them.
• Yes, it’s extremely possible the vast majority of leaders, authorities, govt., and institutions are corrupt.
• Yes, it’s extremely possible the education system, the employee system, and other systems have created a form of modern slave labor and indentured servitude.
• Yes, it’s extremely possible we’re experiencing a huge level of culturally instilled nihilism.

But those things are nothing compared to the value you have inside you.

You are worth so much more.

You can see this, because throughout history, there have been people under such conditions, who have succeeded.

They did it by figuring out ways to deliver perceived value. They believed in their own value, put their pride, ego, and blame aside, and figured out paths that lead to wealth.

Because there are always paths that lead to wealth, even if they sometimes require creativity and focus.

And there is some truth to all those things.

Greedy corporations, massive elite equity firms, scammy middle-men, and micro-monopolies litter our whole economic system.

And it is oh-so-tempting to point fingers at them as a reason why we are poor.

I get that.

I get how tempting it is…

But that blame will keep you broke, keep you poor.

The videos I just linked above can feel pretty disheartening, but the whole point of this post is NOT to let any information you receive get you down.

Because…

There are people in every recession and every depression, who figured out a path to personal abundance.

There are people in the worst environments who have done the same.

And you can too.

That is what we focus on here.

Your value, your worth, your resourcefulness, your life path.

And just like many who have come before you, you can influence that in major, major ways.

The truth is, deep down, you know you have a massive influence over your finances, that’s why you’d even bother reading an article like this in the first place… because you know it will increase your influence over your finances.

So. let’s get deeper into this, so you actually have a chance of applying the tips on this page.

Ready?

1. How to stop being broke (In your wallet, mind, and soul.)

Gurus, financial experts, and self-proclaimed “wealth wizards” have been spinning their magic tricks to solve people’s money issues for centuries.

How well do they really work?

If we really look at it…

They’ve tried every angle—from budgeting hacks to secret investment strategies to the latest app that promises to fix everything.

But what happens?

The reason so many of these methods fail is because money blocks aren’t just physical—they’re mental, emotional, and even spiritual.

And one of those blocks is always left untouched.

“Poor is a state of mind. Broke is a state of wallet. You can fix being broke; it’s not so easy to fix being poor.” – Ric Edelman

Money isn’t just about numbers on a page.

It’s a reflection of your mindset, your energy, and the way you show up in the world.

If your wallet’s on lockdown, it’s often because something deeper is holding you back.

Maybe it’s your beliefs about worth, your emotional baggage tied to spending, or even a spiritual block about trusting life, nature, the universe to provide for you like it provides for all other creatures.

I’ve written this post to help you break through all those layers. (And the tips you need most are probably the ones your mind dismisses, passes over, or runs from.)

Below, we’re diving into the three essential aspects of fixing your financial future: the practical, the mental/emotional, and the spiritual.

All three matter, and any gap in one area can slow —or flat-out stop— your ability to earn money and create lasting wealth.

So, ready to put other lame financial advice aside and take a holistic approach to your finances?

Let’s start cracking open those blocks and unleashing your financial flow.

But first, let’s explore…

The mystery of your way-too-empty wallet.

Let’s talk about your constantly empty wallet.

It can feel like you’ve got a financial black hole in your pocket, right?

It seems terrible, yes, but it’s also filled with clues.

When you’re constantly running low on cash, the first thing to investigate isn’t the economy or your job—it’s yourself.

Yep, the patterns you create with your choices, the way you think and feel, and even how much you trust the universe (or whatever higher power) to have your back.

Money isn’t some fickle, elusive thing that comes and goes.

Every dollar has a story.

Every single one.

And how you interact with life… how you give, receive, and exchange, reveals a lot about why your wallet feels so light.

So, let’s break this down further.

How do you receive gifts? Do you accept them with ease, or do you pull that “Oh, I couldn’t possibly,” routine?

When you’re shopping, is it a smooth transaction, or do you perform mental gymnastics over every penny spent, like it’s some sort of financial surgery?

And what about giving to others? Do you give freely, or does it come with a side of grumbling about the time, the obligation, the “I didn’t really want to, but…?”

This stuff is important, because your money doesn’t just reflect your actions.

Your thoughts, feelings, and beliefs about giving and receiving heavily shape your financial reality.

Wanna stop feeling broke?

Start by checking the energy you’re putting into the exchange, not just the numbers in your bank account.

Basically, the way you interact with money —physically, mentally, emotionally, and spiritually— can make or break your wealth.

So look at your beliefs and habits around giving and receiving, and start shifting the energy.

Money in, money out (a physical approach to stop being broke.)

Keep money in higher than money out.

Make daily decisions that make your money going out much less, as well as daily decisions that make your money coming in, much more.

It sounds simple.

And technically, it is pretty simple.

But there are often physical, value-exchange principles going on behind the scenes that affect how easily you can pull this off.

So, how to stop being broke using physical money tips often starts with the exchange of value and understanding basic economic principles.

Basically, money’s simply a tool that flows wherever perceived value is exchanged.

If you’re stuck in a financial rut, it’s time to re-evaluate how you’re trading your energy (in the form of time and effort) for money.

Are you consistently placing yourself in high-value areas?

Are you making smart financial moves, like investing, saving, or building new income streams?

Your relationship with money on a practical level can determine whether you stay stuck in broke-city or start climbing toward financial freedom.

If you your money-emotions and money-spirituality are already covered, then you may be able to solve any broke-ness with some money management basics.

Start by tracking every dollar that comes in and goes out, just like tracking your calories if you want to lose weight.

Only this time, we’re focusing on your financial health.

Learn to distinguish between needs and wants and make strategic decisions based on long-term growth instead of instant gratification.

You can’t doubt your ability to earn more, or fear charging your worth.

And if you’re undervaluing yourself, in your business, job, or family… money won’t flow.

But when you demand fair compensation for your value, you’ll create a sustainable, abundant financial future.

Fair warning though: Physical money tips seem like the most obvious and easy tips to apply, but they all fail if you don’t have the right mental, emotional, and spiritual understandings of safety, security, and prosperity.

If you haven’t practiced mental, emotional, and your own form of spiritual abundance, the physical steps to wealth will likely elude you.

The “money feels,” (an emotional approach to stop being broke.)

So, how can you stop being broke using emotion-focused money tips?

Well, it’s all about how you feel when you spend, invest, save, earn, and “lose” money.

Are you holding onto money tightly out of fear, or do you feel positively towards the flow of wealth in your life?

Emotional healing can sometimes dip into the touchy-feely, woo-woo side of life.

If that bothers you, it’s likely that your true key to financial healing lies in this area.

Often, our financial struggles stem from a root chakra imbalance, where we feel unsafe or ungrounded in our ability to create stability.

And if “woo-woo” stuff puts you off, that’s fine, don’t worry.

Unlike other money articles, I do mention the spiritual aspects of money. If you’re not open to it, no biggie, there’s plenty of other epic advice here. (Ask yourself though, “is the reason you’ve been struggling because of your avoidance of spiritual aspects?”)

Anyway…

Believing in chakras is, of course, not necessary for making money.

But what is necessary is what a “strong root chakra” represents.

Namely, an emotional attitude of feeling safe, secure, and stable.

If you don’t have that, your money will be blocked, big-time.

Because…

When it comes to the psychology of money, no matter what you’ve been taught or what you currently believe… the truth is this:

Pessimism is not logical, rational, or helpful when it comes to money.

When I was homeless, this was challenging to do.

It is absolutely a challenge for most people to change their emotions when surrounded by horrifying conditions, environments, and financial realities.

If you’re broke at 30 years old, it can feel pretty damaging to one’s confidence, self-esteem, and emotional health.

So, yeah…

It was pretty tricky to feel safe, secure, and stable when I was homeless… but eventually, after failing to commit suicide, I finally let go and made peace with life.

I realized that even though I wasn’t living in the environment or conditions I wanted, that still, like the critters in Queen’s Park…

…I was technically “okay” and technically “safe” and technically “stable” on the solid earth. I made peace with the fact that we all die sometime, and if I’m not dead, I guess, I’m “okay” in the moment.

I realized that I could let go of my “desired identity”, that my “wants” didn’t have to be satisfied before my lifetime was up, and that I didn’t have any “needs” beyond being okay in the moment.

I made real, true, authentic peace with my financial situation.

And only when I tapped into those feelings, did I end three years of broke, depressed homelessness.

I didn’t know anything about root chakra imbalances back then, and I didn’t understand the importance of my emotional states throughout the day.

But only when the vast majority of my day included feelings of safety, security, and stability, did my outer reality and life experience change.

And the same goes for anyone else who has emotionally-driven financial blocks keeping them broke.

Including you.

So, if your money mindset feels like a constant rollercoaster, it’s time to take a deeper look at your emotional relationship with wealth.

Your nervous system stores emotions, especially strong ones. It even stores emotions we couldn’t cope with in childhood.

Which means a lot of people are walking, and talking, and living life with invisible emotional wounds, unhealed and unaddressed, stored in their nervous systems.

Ask yourself:

• Do you feel worthy of financial abundance?
• Do you believe money is evil, or that it’s a tool for good?
• Are you actually safe and secure, right now, this moment, as you read this?
• Are you on stable ground, unearned, gifted to you by mother nature?
• Is it humanly possible to feel positively about things in your environment?
• Is it humanly possible to feel positively about your internal self?

And so on.

Your beliefs about money are often rooted in your childhood experiences, your family’s money habits, and your own sense of self-worth.

If you feel unworthy or scared to let money come in, it will have a hard time sticking around.

To make lasting change, I highly recommend you start by practicing more gratitude for the money and assets you already have.

Gratitude for even small amounts or small assets can be a stepping stone to big shifts.

You are a creator.

You didn’t come to earth to be broke forever, so…

Trust in your ability to create more, and practice letting go of fear-based thoughts when it comes to wealth.

Trusting money, yourself, and life, (a spiritual way to stop being broke.)

How to stop being broke, from a spiritual viewpoint, requires you to reconnect with trust.

It takes trust in yourself, trust in the natural flow of life, and trust that the universe is always working in your favor.

Spiritual abundance isn’t about clinging to egoic wants (new shoes, a bigger house, what you think you ‘should’ be, etc.).

Instead, it’s about aligning with your higher self, or you true self, or whatever is the witness that lies beyond your ego.

It’s about tuning in to the part of you that is intuitively eternal, transcendent, and beyond consciousness.

It’s about realizing that you have everything you need within you already.

It can feel weird at first to approach money, or life, this way.

But if you’ve had low success with the physical, mental, or emotional approaches towards wealth-creation so far…

…your money healing probably lies mostly in this spiritual arena.

And to access it you must approach life less from intellect, and more from practical application of loving, spiritual principles.

(There’s a reason so many successful people talk about manifesting great businesses and law of attraction.)

You may be wondering, “But Jay, surely there are people who make money without a spiritual foundation, right?”

Ehhhhhhh… Not really.

Because even people who claim to be atheists, or claim that money is their god, have somewhere along the way learned to trust something.

None of them make money without trust.

And trust is a spiritual thing.

• Trust is belief.
• Belief is faith.
• Faith is power.

I mean it literally.

Faith in the unseen empowers people to perform incredible feats, create generational legacies, and blossom through mind-blowing transformations.

Anyone who is sustainably making money (without getting burnt out or sick), has learned to trust nature, karma, God, the universe… something.

And if you think you can get past being broke without the spiritual power that trust/belief/faith brings…

Well, good luck.

The truth is, that when you trust that life is abundant, you stop seeing yourself as “lacking” and instead start seeing opportunities everywhere.

The opportunities are already there, but from an untrusting, “i’m broke” viewpoint, you can’t see them.

And if you’re broke… opportunities are exactly what you need.

If you’re constantly worried about money, it’s a sign that your spiritual trust might need a little work.

And it’s not just about trusting life. It’s also about trusting yourself.

Plus it’s about trusting other human beings.

Living in a state of distrust of humanity rarely, if ever, leads to abundance.

Humans are tribal creatures, and even most hermits on mountain tops need some interaction and some friendly relationships with others to get their needs met.

Warren Buffett, a brilliant money-man who started investing in “other human beings” as a child, didn’t make most of his 84 billion until after 60. Along the way, he was patient, loving, and understanding of economics, and you can do the same as Mr. Buffett.

Making money often requires doing something that doesn’t make much, if at all, for a while first. I know that sucks when you want fast money, but it’s worth making peace with this. If you do things out of love, and trust in the universe, you will be fine, and survive well, until money arrives a bit further down the road.

Since we’re on the topic of spirituality and money, I should mention a couple more things:

If you look into money and spirituality, you’ll see many gurus will suggest you practice affirmations of abundance, such as:

• “I am worthy of wealth,”
• “Money flows to me easily,”
• “The universe supports me in all my financial endeavors.”

They’ll even suggest you visualize your ideal financial situation as though it’s already here, sending gratitude to the universe for making it so.

This “affirmation” advice is double-edged, though.

It can work for some people, but not for others, because abundance is a 3-pronged issue (physical, mental/emotional, and spiritual), so simply repeating affirmations often accomplishes little.

Plus, it’s not the affirmations that help cure your poverty, it’s the permanently rewired neurons and emotional state that does it, and the affirmations are just a gateway to those things for some people.

Regardless…

When you stop seeing money as something to hoard, fear, or chase, and start seeing it as an energy that flows freely through you, you open the door for more to come.

Align your intentions with some greater purpose, and watch the universe rise to meet you.

Your spiritual health doesn’t really do well aiming for small, petty, ego-based things.

It thrives best when you’re aligned with your eternal nature. The consciousness beyond the body.

And if you currently feel far from your greater purpose, know that whatever it is, it will make you quite happy and fulfilled the more you do it.

So your happiness-levels quickly tell you how healthy your spiritual trust in life is.

We’ll get into all this deeper in the article, but before we do, you must understand your current money mindset.

You can’t make a journey from where you are, to where you want to be…

…without at least briefly taking stock of where you are on your money-journey, physically, emotionally, and spiritually.

2. Understand your current money mindset.

If you’re tired of asking “when will I stop being broke”, understanding where you’re at is a key starting point.

Because not all poverty is created equal.

Some people are broke and depressed, others are broke and optimistic.

Some people are broke with no family, others are broke with a support system.

You can make a financial comeback from wherever you’re at, but only if you’re honest about your position first.

And bitterly venting like a crazy person doesn’t count as honest about your position.

I mean calmly, peacefully, accepting your reality.

And when I was homeless, I thought I understood where I was at…

…but I absolutely did not.

Before you can stop being broke, you need a deep, not shallow, financial understanding of where you’re at right now.

This means understanding more than just what’s in your bank account.

It means understanding where you’re at with your physical, mental, emotional, and spiritual assets.

Really ask yourself about your relationship with money.

The truth is, your current financial situation is a reflection of your thoughts, beliefs, and behaviors around money.

So, to get yourself out of the financial mud, you first need to dig into the mental and emotional soil to figure out what’s holding you back.

Here we go.

“Why do I feel broke when I have money?” (Understanding our money psychology)

Be honest…

You’ve got at least a bit of money in the bank.

Or if not, you own at least some assets.

Yet you can’t shake that constant feeling of being destitute.

It’s like an emotional hangover that doesn’t make sense when you look at the numbers.

But that’s the thing about money, sometimes it’s not the amount in your wallet that determines how you feel.

It’s the psychology behind it.

Let’s dig into some common reasons why you might feel financially stuck, even when your bank account says otherwise.

Failure to acknowledge and accept your financial reality.

Denial is a powerful defense mechanism.

It’s one most of us jump to instinctually.

I can’t tell you how many potential clients I’ve met who resist help, claiming that they’re “super-focused,” they “don’t need help,” and their “business is fine.“

And I’ve lived in denial for years in my past as well. We’re all blind to things sometimes.

You may be in the habit of pretending everything is fine, putting on a brave face while you quietly obsess over your finances.

You might be in the habit of knowing you struggle to make money, but afraid for even well-meaning helpers to know about it.

The problem?

Denial doesn’t solve anything.

And late at night, when your denial muscles are all tired out, you’re left staring at the truth.

If you’re struggling with the “I’m doing okay” mentality while secretly sinking into debt or not making progress, it’s time to call it like it is.

A big part of financial freedom is acknowledging where you are right now.

You need to face the reality of your situation without guilt or shame.

You can see Ava do it in this little story:

Now, you don’t have to confess your financial situation to anyone, that’s not what I’m pushing for (though if you can reach that point of open-ness and honesty with at least someone in your life, it can be game-changing.)

Instead…

The goal is to accept your current financial state as it is —without judgment— so you can create a clear path to improvement.

Are you investing in your future or spending mindlessly?

Do you have much less income than you have expenses?

Do you fret over most purchases?

Hey, that’s OK.

I’ve been in similar situations.

To break free from that constant feeling of being broke, it starts with being honest about your situation.

And not just honest about your situation, but honest about yourself, your views, your perspective on life.

The A.C.T. Matrix exercise is a simple and fun way to get a handle on that (just “do what rabbits do.”) It helps you notice unnoticed things about yourself.

So identify any limiting beliefs you may have.

We all carry limiting beliefs about money, those deeply ingrained thoughts that influence our financial decisions without us even realizing it.

Even me as I write this, almost certainly have some I’m not familiar with, and chances are Jeff Bezos, Warren Buffett, and Larry Fink each have at least one that is holding them back.

Whether you’re a broke homeless dude, or the world’s richest man, no one has perfect abundance beliefs.

Acknowledge that some of these misbeliefs are handed down from family, society, or past experiences, and that they hold us back from stepping into financial freedom.

For example, how many times have you caught yourself thinking “I’m bad with money” or “Rich people are greedy?”

These beliefs shape how you show up in the world and directly impact how money flows (or doesn’t) into your life.

Take a moment to examine your thoughts.

• What do you believe about wealth?
• How do you feel when you see someone else succeed financially?
• Are you worried that money will change you or make you “greedy”?
• Do you use the power of your imagination to envision a version of you with greater wealth?

These thoughts are rooted in scarcity, and they can make you feel like you’re not worthy of financial abundance.

On the flip side, empowering beliefs might sound like, “I am worthy of financial abundance,” or “Money is a tool that amplifies my ability to help others.”

Assess your current financial situation.

Now that we’ve identified the mindset roadblocks, it’s time to look at your current financial reality.

If you’re struggling to stop being broke, it’s important to take an honest look at where your money is going, how much is coming in, and what’s draining your resources.

Assess your income, expenses, savings, and debts.

Take a deep breath, grab a notebook, and jot down the cold hard numbers.

The goal here isn’t to shame yourself.

Most heroes you look up to at one point had terrible financial numbers in their lives.

It’s fine.

It’s “allowed.”

It’s ok.

Just write them down and get honest with yourself.

This is about understanding your current situation so you can create a roadmap to financial freedom.

If you’ve been avoiding looking at your bank account or credit card statements, now’s the time to face the numbers head-on.

Assess your emotional money attitudes.

If you have anxiety about your finances, feel shame when discussing money, or struggle to receive abundance, it’s time to dig deeper.

We touched on this earlier, but go a little deeper.

How do you feel when you spend money?

Is it stressful?

Do you feel guilty when you buy something for yourself, even if it’s a necessity?

On the other hand, how do you feel when you receive money?

Do you resist it, feeling like you don’t deserve it, or do you welcome it with open arms, knowing it’s a natural part of the flow of life?

To shift your financial situation, you must shift your emotions.

It’s a wide world out there, and there’s lots of things to focus on. Focus on observing things that emotionally uplift you.

Or use the power of your imagination to imagine uplifting things.

Because if you have a tight, fearful attitude around money, it will be harder to attract wealth.

So work on cultivating a mindset of abundance and gratitude, both for the money you have and the money that is on its way to you.

For example, many people, when they have, get, spend, or receive money…

…don’t feel grateful.

And when they look at the money that is present in their lives, they feel it’s inadequate, making them feel even more broke.

That’s like a starving man being given some food –or staring at the food in his backpack– and then whining that it’s not enough, or worrying that he’ll never get food again, rather than being grateful.

Assess your current ‘spiritual trust’ in money matters.

Ask yourself…

Do you trust that the universe will provide for you when you need it, or are you constantly fearful that you’ll run out of resources?

The way you relate to money from a spiritual standpoint is crucial to overcoming feelings of scarcity and financial lack.

• Do you believe that karma plays a role in your wealth?
• Do you believe that if you give, you automatically receive?
• Or do you feel stuck, as though life is working against you?

Because whether you realize it or not, you currently have faith in something.

You may have faith in poverty, lack, and a “hard life”, or you may have faith in your own resourcefulness, or you may have faith in a higher power.

Regardless, you believe certain things…

And certain beliefs will help you and serve you, others will weaken and harm your finances.

That’s how beliefs work, and they are very powerful.

Spiritual abundance isn’t just about material wealth, it’s about feeling connected to the flow of energy that surrounds you.

Trusting in the universe, in the natural rhythm of life, and in your own self-worth will help you shift into a space of abundance, where money isn’t something you chase, but something that naturally flows to you.

So let’s summarize your current financial stance.

Summarize it physically, emotionally, and spiritually.

Because to stop being broke, you hopefully see that you must first understand your current money mindset.

You began by identifying your limiting beliefs about money.

Then you assessed your financial situation from a physical perspective, tracking your income, expenses, and savings.

Next you dove into your emotional money attitudes. (How do you feel about spending and receiving money.)

Finally, you checked in with your trust levels, which is a spiritual thing whether you realize it or not. (How well you believe that the universe will provide for you when you need it.)

So, be honest, where are you at with each of them?

Is there room for improvement?

Has one been neglected more than the others?

Do you have a journey of many steps ahead of you, or a super-short one?

Addressing these three aspects—physical, emotional, and spiritual—will set you up for success in shifting your mindset and breaking free from financial scarcity.

This honest, self-summary is one of the best things you can do, but it must be done calmly, acceptingly, and honestly.

Once done, your money understanding is already clearer, but we’re still going to go much further.

3. But what if I’m in a financial crisis?

If you’re dealing with a serious financial crisis, the first step is to acknowledge the fear—but don’t let it control you.

• “Feelings of fear arise when I think of paying my rent.”
• “Discomfort arises when my friends invite me out.”
• “Anger at my ex arises for seeming to cause my financial troubles.”

It’s fine to admit these things.

Especially if you can step back, and be detached from them.

As in, realize that you’re the witness to the feelings, rather than identifying with them.

Identifying with things is a powerful way to make sure they stay real.

If you identify with an illness, that illness quickly becomes “permanent” or very hard to remove.

But if you label an illness as something you “temporarily have”, it’s much easier to heal it. (Don’t believe me? There’s plenty of proof out there, such as this post: “You Are Not Your Diagnosis.“)

People have been practicing zen calmness in the face of dire circumstances since who knows when.

And if you’re in a financial crisis, it’s definitely time for you to practice the same.

In times of financial distress, it’s easy to feel like you’re sinking, especially when money feels scarce or unpredictable.

The thing is, you must know you’re safe even without money.

And keep in mind…

…This is NOT denial.

It doesn’t mean pretending the crisis isn’t real.

It means developing an unshakeable belief that you are okay, regardless of your financial situation.

You can identify with your financial crisis, labeling it as permanent or unbeatable, or you can label your financial crisis as something temporary, that many humans have beaten, and that is as good as past for you.

It’s your choice.

Plenty of people have been in debt and gotten out of debt, you can too.

Plenty of people have faced looming monthly bills, and been OK afterwards, you can be OK too.

Plenty of people have not been able to buy food and clothing, and still made a turnaround, you can too.

Know that there are plenty of other human beings in similar, or worse situations, who are also “okay.”

And just like them, you are too.

Your value and security are not tied to how much is in your bank account.

It’s about inner resilience, inner resourcefulness.

Once you trust that you’ll be able to navigate tough times, even when the money isn’t flowing, you start to break free from the mental cage of financial insecurity.

What is financial therapy?

You’ve heard of therapy for your emotions, relationships, and even your career.

Well, financial therapy is no different—only it focuses on healing your relationship with money.

It’s about shifting your beliefs, your habits, and your feelings around money so that you can create a healthy, abundant future.

Financial therapy doesn’t always mean sitting in a therapist’s office.

Sometimes, it means having honest conversations with yourself about why you feel the way you do about money.

Why do you have anxiety when you look at your bank statement?

Why do you feel like a failure when you overspend?

This mental shift is what we’re doing in this article, helping you rewire your beliefs, attitudes, and emotions around money.

Your self-talk is more frequent, more impactful, and more important than anything else.

Since it’s going on almost constantly, it’s constantly affecting your finances.

Once you realize that the way you think about and approach money can be changed, you open the door to real financial freedom.

Let’s talk about budgets, (are they really non-negotiable?)

Ah, the dreaded budget.

The word alone makes some people break out in a cold sweat.

But budgets can be vital and dismissible at the same time. Sounds like a paradox, right?

Here’s why:

On one hand, a budget is non-negotiable because, if you’re serious about improving your financial situation, you need some kind of structure.

Without it, you’ll have no idea where your money’s going, why your income isn’t high enough to cover expenses, or why you’re living paycheck to paycheck.

On the other hand, budgets are negotiable in the sense that they can be flexible and evolve as you do.

On top of that, sometimes people’s mental, emotional, and spiritual attitudes are so messed up, that they can’t even look at a budget without triggering themselves, so budgets should be avoided until they’ve done the internal work needed to look at them without getting triggered.

Hopefully this is done quickly.

Lingering in any phase of your financial improvement journey is not recommended, especially the phase of avoiding the numbers.

Because moving through modern life without being able to look at basic numbers and finances, is asking for trouble.

“The hardest part was when I was in high school not having a job and always being broke. I had to get to auditions without a car. I either took the bus or walked.” – Cuba Gooding, Jr.

You can have a budget that’s strict for a few months to pay off debt or save for a big purchase, and then loosen up when you reach a milestone or get a raise.

It’s doubtful that you’re one of the few exceptions who can live life without a budget, especially if you’re reading this article, but if you are, feel free to skip this part.

Budgeting is about finding balance and something that works for you.

And even if your budget is in the negative, applying yourself to budgeting can at least make it “less negative.”

Having a budget isn’t about being chained to spreadsheets… It’s about taking control of your money, knowing where it goes, and adjusting as needed to support your goals.

Keep in mind though…

Most articles on the internet will tell you to ‘track your money habits’ and ‘build better financial habits’, which is fine advice, but it really only helps people whose mental, emotional, and spiritual money blocks aren’t secretly hindering them.

I’ll cover these briefly just to be safe, but there are likely much more effective tips waiting for you.

129 Money mindset tips (Organized into key categories)

1. Understand money. (I mean really understand money. Money isn’t some mystical force—it’s just a receipt for value exchanged. It flows to those who create and communicate value in a way that others recognize and reciprocate. Think of it like a scoreboard tracking real-world impact.
   
   Perceived value is king. It’s not just about what you think you offer—it’s how others see it.
   
   You’ve got to shape their perception and, just as importantly, own your own worth. If you don’t believe in your value, why should anyone else? Rejection? It’s just the universe filtering out the wrong audience until you find the right ones. Stay persistent. Managing your time wisely means prioritizing skill-building, refining your craft, and increasing your value so money naturally follows.
   
   Discipline? Non-negotiable. Without it, even the best game plan crumbles. If you’re stuck, it’s either lack of clarity, lack of practice, or lack of hunger.
   
   Focus on value, service, and energy—get those right, and wealth has to follow.)
   
   
2. Accept that money isn’t real. (Money isn’t real in the way water or mountains are. It’s not some eternal, naturally occurring force—it’s a human invention, a symbol we created to track value and make trade easier.
   
   Before money, cavemen bartered—meat for tools, services for shelter. Eventually, societies got smart and assigned symbolic value to things like shells, furs, and gold. Over time, that evolved into coins, paper bills, and now digital numbers on a screen.
   
   But here’s the truth: money itself is meaningless. It’s just a scoreboard—a reflection of value exchanged. You don’t get money by chasing money. You get it by offering something people perceive as valuable.
   
   Focus on contribution, innovation, and service, and money has to follow. At its core, money is an illusion, shaped by human agreement. Its value exists because we believe it does. Master the game of value perception, and you master money—because wealth is just a side effect of the value you create.)
   
   
3. Recognize that money-flow is a side-effect of perceived value exchange. (And perceived value is subjective.)
   
   
4. Know the definition of business: “Persuasively offering value you believe in, to an increasing amount of strangers… profitably.” (See if you can grasp how this applies to a 9-to-5 job as well.)
   
   
5. Acknowledge and accept your reality. (What you want, wish, hope for, and expect may not be reality. Reality is “what is”, and it is never wrong.)
   
   
6. Accept that you were born valuable. (There hasn’t been a single baby that’s ever been born that wasn’t valuable. And as we grow from babies into adults, we become more and more valuable in skills, knowledge, strength, beauty, etc.)
   
   
7. Understand giving and receiving vs. charity and grifting. (Giving and receiving are one single thing, never separate, similar to inhales & exhales. Charity and grifting attempt to separate them, this is why people tend not to feel good being ‘charity cases’ or ‘getting scammed.’)
   
   
8. Understand creating vs. selling. (Some people like Vincent Van Gogh, Franz Kafka, and Emily Dickinson create so much, but their works remain hidden, buried, and unknown until after their death.
   
   Other people are incredible salesmen, grifters, and persuaders, but create minimal lasting value of their own such as Charles Ponzi, Frank Abagnale Jr., and Anna Delvey, but they end up quite wealthy. Successful, sustainable wealth requires both: good creation, and good promotion.
   
   ‘Creating’ and ‘selling’ must play nice to get a profitable result, and neglecting either is a recipe for poverty.
   
   
9. All relationships are transactional. (Nature and the universe are based on transactions between entities, whether you realize it or not.)
   
   
10. Peace of mind equals peace of finances. (Lapse in your peacefulness often, and watch your finances lapse too. And vice-versa.)
    
    
11. Understand supply and demand vs. desire and fulfillment. (When people have desires, someone always comes around to fulfill them eventually; supply eventually meets demand.)
    
    
12. Fix your money talk. (“I’m moving closer to wealth” beats “I’m broke”; explore the value of language.)
    
    
13. Learn to assess the value of each moment. (Every moment holds infinite value, but broke people tend not to see it. Following your impulse to leave an event, could lead to you bumping into a friend or investor. Spending an extra moment helping someone, might make them so happy that they tip you bigger.)
    
    
14. Friends are wealth, connections are cash.(Cash flows from people who know, like, and trust you, in your direction. The more of the 8 billion people on earth you befriend, so that they know, like, and trust you, the wealthier you are. If you think ‘networking’ is yucky, realize it’s just friend-making. If you’re not regularly interacting with humanity, you’ll stay broke.)
    
    
15. Understand serving yourself vs. serving others. (These are technically the same thing, and the more you commit to one over the other, the more wealth you’ll attract. Whether you’re Khan or Gandhi, your wealth will grow, but ambivalence will stop the flow. [Please be as ethical as possible, though.])
    
    
16. The importance of attention. (Money-flow is a process, and that process never starts unless you get someone’s attention first. Make a point of getting more people’s attention, it leads to more wealth.)
    
    
17. The importance of interest and engagement. (Just like attention is a key in money-flow, so is interest and engagement from those whose attention you’ve commanded.)
    
    
18. Understand impulse buys. (Some people benefit from trusting their impulses more, and spending more happily, others benefit from curbing their impulses and cravings, embodying more financial discipline. Which are you?)
    
    
19. Borrow, or buy used. (A quick way to reclaim some of your wealth is to borrow, barter, or purchased used items more often.)
    
    
20. Make use of govt. resources. (In most countries and states there are ways to get “free money” from the government.)
    
    
21. Learn to diplomatically ask for more. (When asking for something, whether money or otherwise, have a clear understanding of your situation, the amount of what you need, and your options for obtaining it.)
    
    
22. Go easier on restaurants and entertainment. (I highly suggest earning more rather than cutting back, but this can help in a pinch, if you make the cuts with a happy attitude.)
    
    
23. Be more efficient with other resources. (You’re given 24 hours of a day, and you have some space to work with, if you look at it honestly, aren’t there ways to use these resources more efficiently than you currently are? If you refuse to use your current resources efficiently, life is unlikely to deliver more.)
    
    
24. Experiment with a side-hustle. (This works for some, just be careful that you don’t become more unfocused, more distracted, and more inefficient with your resources. Starting a healthy side hustle takes focus and discipline.)
    
    
25. Understand how the economy works. (Note: The linked video isn’t ideal, but it’s a start. The truth is that economies work by exchanging energy & perceived value between entities, with resources and byproducts to match.)
    
    
26. Consider that for you, money may relate to feelings of control. (It’s tempting to refuse to feel in control of your life until you get money, but choosing to feel more in control, is the thing that will lead to increased wealth. Feelings first.)
    
    
27. Practice identity-shifting. (How you see the world, how you see reality, and particularly how you see yourself decides how your life unfolds. Learn to shift your identity.)
    
    
28. Your brand is your reputation. (So help it earn. Is your reputation that of someone who is late, lazy, apathetic, low-value? Or is your brand that of someone who’s focused, clear, on point, composed, and high-value.)
    
    
29. Familiarity vs. novelty, uniqueness. (For money to flow well to you from others, they must feel comfortable and familiar enough with you, but also feel you bring enough novelty and interest to the table as well. There is a sweet spot for this for every environment you’re in, and it’s well worth experimenting with.)
    
    
30. You probably suck at investing. (And that’s ok, because you really only need one investment in 10, or even 100 to pay off well to truly revolutionize your finances. This will only happen though, if you continue to feel positively about your investments, the ones that tanked, and those that pay off.)
    
    
31. Find what money represents for you. (Remember, money isn’t ‘real,’ it’s a symbol. So does it represent freedom to you? Power? Time? The more you can separate money from what it means to you, the free-er you are to create what it symbolizes, and money will come along with it.)
    
    
32. Learn the true meaning of debt & lending. (Lenders are all basically gambling. Especially since we can all die at any moment. Debt in caveman times was originally a symbol of intended reciprocity, and reciprocity is a natural human thing, but technically debt doesn’t really exist. If humans were removed from the earth, the remaining animals would thrive on their own, with no concept of debt. Learn to use reciprocity well, and that debt isn’t a dirty word.)
    
    
33. Examine jobs vs. businesses. (And choose wisely. Some people fit well in a job, and need to learn to earn raises and negotiate with employers. Others fit well as freelancers and business owners and need to learn how to attract customers and command better prices. Some people do both. Which are you?)
    
    
34. Build an abundance mindset, brick by brick. (Like reps in a gym, worthwhile mindset changes only arrive after consistent effort and practice. Plus it will feel uncomfortable or even ‘painful’ to watch and correct your thoughts at first, but you got this.)
    
    
35. Change your money blueprint, setpoint, and story. (This is something I learned from T. Harv Eker’s Millionaire Mindset.)
    
    
36. Grasp that money is a tool, an energy. (I said before it’s a symbol, but money is all these things. What it isn’t is something to attach to, something you have no control over, or something negative.)
    
    
37. Money isn’t evil. (Similar to the point above, money is just a tool, stop judging it and make sure you see it just like a hammer or a screwdriver. Useful if handled properly.)
    
    
38. Replace fear with faith and confidence.(Successful people reframe risk and failure as something more positive, such as leaps of faith and steps closer to mastery.)
    
    
39. Understand that you can’t “lose” money. (For your time on earth, you don’t actually own anything. Things you think you own can be taken by robbers, the government, even an ex-spouse. The money that comes and goes and flows through your experience is like a tool you get to care for for a while.
    
    So let it come and go easily without attachment, and by practicing with a good attitude, you’ll allow larger and larger amounts to flow. You can’t lose what you never “owned” in the first place.)
    
    
40. Stop ranking making money as “easy” or “hard.” (There are simply ways of making money that are less fulfilling for you, and ways that are more fulfilling for you. Put aside judgment and learn to move towards the increasingly fulfilling ways of earning. You can even rank their fulfillment levels on a list.)
    
    
41. Decide what you’ll accept for a “quick buck.” (The more you compromise your values in exchange for cash, the less sustainable your wealth will be, and the more “karma” or “life” will punish you.)
    
    
42. Some people decide to live off the land. (Some people simply don’t enjoy participating in modern society’s money-system. You can certainly experiment by living off the land, off-grid, and so on if that suits you.)
    
    
43. Realize it’s not on you to “bring home the bacon.” (You have more value than just a money-earner, there are many forms of abundance besides money, and every individual is responsible for their own life and prosperity, even if it doesn’t appear that way.)
    
    
44. Re-examine “a penny saved is a penny earned.” (This is supposed to mean that even a small amount of money saved is still valuable and contributes to your overall savings, and it’s technically true. But people who focus on savings tend to take their off of the ball of “earning more”, which is much, much, much more helpful.)
    
    
45. Dig deeper into “feeling like a million bucks.”(A huge theme of this post is elevating your thoughts and emotions, especially about money. Aim to get your self feeling like a hundred bucks, then a thousand, then a million, as often as possible.)
    
    
46. Laugh at “money doesn’t grow on trees.” (Money is a symbol, a side-effect of perceived value exchange, and it has been growing since caveman times, and continues to do so.)
    
    
47. Use compound interest. (Compound intertest helps in both connections and cash. Investing wisely in relationships pays off over time, and investing wisely in financial opportunities does too.)
    
    
48. Desperation leads to poverty, beat it. (A desperate athlete rarely performs well. A desperate actress rarely lands the audition. A desperate earner rarely earns much at all. Wealth flees from attitudes of desperation, people-pleasing, and worry.)
    
    
49. Realize your opinions about money aren’t facts. (Think earning is hard? Opinion, not a fact. Think rich people are evil? Opinion, not fact. Think you won’t pay rent this month? Opinion, not  fact.)
    
    
50. Overconsuming videos, books, and blogs is a poverty trap. (It’s easy to consume things and convince ourselves we’re learning and improving, but unless you are make significant changes internally, and seeing that reflected in your day to day activities and schedule, you’re stuck in a trap.)
    
    
51. “Wealth lies not in having great possessions, but in having few wants.” (This is sort of true, and sort of not. Human beings are desire machines. We’re meant to have desires and ‘want’ things. When we’re cold, we want warmth. When we’re bored, we want interest. The thing is, part of the process of satisfying our desires is relaxing our pursuit of them. ‘Letting go’ of the struggle, trying, and ‘challenge’ of them. Ask yourself, how does this apply to creating wealth?)
    
    
52. Everyone has 24 hours, including you. (Everyone started as an infant, with 24 hours in their days, and is putting those hours to certain uses. Some spend those hours thinking great thoughts, with joyous attitudes, and pursuing fulfilling actions. Others spend the same hours thinking brutal thoughts, with negative attitudes, and pursuing paltry actions.)
    
    
53. Invest in knowledge, skills, your relationships, yourself. (They’re more permanent forms of abundance, that compound over time, and when used wisely, always lead to financial wealth and abundance.)
    
    
54. Explore the connection between money and life purpose. (The elite and most successful in the world often hold a deeper purpose behind their daily actions, whether it be providing for their family, creating a legacy, starting a movement, proving everyone wrong, or whatever else.
    
    It’s not a coincidence, because having a deeper purpose is a foundation for easier wealth. It gives you the motivation to do the ‘hard’ things others won’t, and helps you rise out of a bad situation.)
    
    
55. Money can be a helpful personal scorecard. (When you look at your bank account and the score is low, treat it just like a game… no big deal, time to score more points. If the score is low, chances are you aren’t providing enough perceived value, to enough people, consistently enough, or fast enough. Chances are you’ve failed to get people’s attention and inspire them to financially reward you. Or you’ve done so, but with a poor attitude or purpose behind it. It’s OK. There are many ways to approach fixing your score.)
    
    
56. Branding vs. marketing vs. selling. (Your brand is your reputation, it’s crazy important. Your marketing is how you express that brand to others, also important. Selling is something you have done constantly since you were a child, aiming to influence and ‘sell’ others on your point of view. Not understanding these can make earning challenging.)
    
    
57. Practice persuasion. (You are persuading or being persuaded constantly, in every interaction. When you see a post on social, or when you post. When you buy something, or sell something. When you ask for help, or are being asked for help. Constant persuasion.)
    
    
58. Storytelling, like persuasion, relates your ability to earn as well. (You don’t have to become the world’s best storyteller, but if you’ve struggled to earn via other money-making tips, this may be worth exploring. The story you tell your boss, or your next employer, or your customers, or your staff, matters… a whole f**king lot. Can you honestly say you’ve chosen wisely, or is there room for improvement?)
    
    
59. Want fast money? Provide fast perceived value. (If you help someone, and they don’t perceive the value for a long time, money is unlikely to flow. On the other hand, if you cure ten people’s colds instantly, they’ll perceive the fast-acting cure, and some will reciprocate financially quickly.)
    
    
60. Read the best money books. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” –Zig Ziglar(Books are power. And I’ll list some of the best on the general concept of money. The first ones are more grounded: Happy Money, Think & Grow Rich, Secrets Of The Millionaire Mind. The next ones are more spiritual or unique: Busting Loose From The Money Game, Money And The Law Of Attraction, Creating Money.
    
    And if you want a book curriculum that helps you go from startup thriving business, here’s my cheatsheet. I also have a curated book list of various topics.)
    
    
61. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” –Norman Vincent Peale(Worth pondering. So, so, so many people have created greatness while having empty pockets at some point, you can do the same.)
    
    
62. “No wealth can ever make a bad [person] at peace with themselves.” –Plato(This means that if you’re chasing wealth in order to be at peace in some way, either the wealth won’t come at all, or it will arrive, but you won’t achieve any peace through it. Instead it is better to find peace with yourself and life, first, which allows more wealth to flow to you.)
    
    
63. Dissolve your money resistances. (A money block, or money resistance, is is usually an underlying belief or fear that minimizes, slows, or prevents wealth from flowing into your experience.
    
    You may not be aware of them, but they’re there. Sometimes it’s a completely hidden story that sabotages you in sneaky ways. Many legendary people had to meet poverty before they rose up, are you at peace with poverty? Can you see it as part of your path? Here are 5 sneaky resistances people tend to miss in themselves.)
    
    
64. Recognize that self-discipline is freedom, abundance, and discipline. (Any wealthy person you look up to made peace with discipline, and embodied discipline. Any poor person you see likely has little, if any, discipline, especially with the way the spend their moments. If you want to know how to stop being broke, discipline will be involved, so boost yours.)
    
    
65. Increase your income stream, while reducing spending. (This seems basic, but you’d be surprised at just how doable both of these things are if you Google around for creative solutions and apply yourself. )
    
    
66. Don’t fear being busy. (In order to provide more perceived value to others, you may have to find ways to be more efficient, and that inspiration for efficiency doesn’t pop out of nowhere. It comes from being ‘busy’ and having a ‘full schedule’ of providing value.)
    
    
67. Don’t fear people relying on you. (Similar to above, you didn’t come to earth to have no one rely on you. You came to be valuable, wanted, needed, and relied upon for your consistent brand of value. You know it’s true. So don’t fear people relying on you, instead, have confidence that you’ll deliver. Have the confidence you’ll deliver when taking on responsibilities at work, or taking on responsibilities for your customers.)
    
    
68. Don’t fear “hard work.”(If something feels ‘hard’ you either find a way to make it feel easier, or find other work that is more fulfilling and suited to you. Every human being, from my Janitor-grandfather to your favorite pop idol, has a certain type of work that will fulfill them, and once it’s discovered, it doesn’t feel ‘hard’ at all.
    
    The thing is, to discover yours, you might need to experiment with some ‘hard’ tasks at first. Millions have done it before you, and millions will do it after you. Release fear and make peace with it.)
    
    
69. Don’t fear money-management. (If you’re old enough to read this, you’re old enough to manage your money. You manage food in a fridge, groceries in, groceries out. You manage your sleep, awake hours, rest hours. Now manage your money, money in, money out. You’ve got this.)
    
    
70. Don’t fear judgment, criticism, or family drama. (Judging is part of every person’s experience. We all judge our behaviors compared to the behaviors of others. Some of us have learned to be gentle with our judging, minimizing it, or seeing from broader perspectives, but most people are stuck judging on autopilot.
    
    This means judgment and criticism are like mosquitos you must learn to deal with as you enjoy the outdoors. If you end up treating judgment and criticism as if they’re world-ending dramas, hurricanes, and volcanos, rather than mosquitos, then you’re letting them suck all you’re energy away, as well as your income, revenue, and earnings. )
    
    
71. Present beats past, and future. (It’s easy for most of us to get caught up in “doing” to the point that we are no longer ‘being’ and living. And wealth is a side-effect of being valuable and living well. Wealth is not a side-effect of ‘doing.’ Doing is irrelevant when you’re ‘being’ valuable and ‘living’ well. Doing is an aspect of the past and the future, while ‘being’ is an aspect of the present moment.
    
    Don’t get trapped waiting for a point in the future when things will be better because it implies that NOW is not good enough.
    
    Instead, relax and accept that now is correct, healthy, and more than good enough, and from that standpoint, you’ll create a wealthier future for yourself.)
    
    
72. Worry over number of clients (or bosses), quality of client (or bosses), whether clients (or bosses) will pay, etc… all harms your wealth. (You weren’t put on earth, shining your great value, to start doubting it, or doubting that others will value it, or doubting that you’ll get compensated for it.
    
    Worry creates broke people. Let it go, and turn up your value.)
73. See beyond the illusion.(Your current situation is an illusion. There’s more than meets the eye. There’s deeper things and deeper lessons in whatever situation you’re in, but if you’re over focused on the ‘3D’, the ‘matrix’, or whatever life is putting in front of you, then you’re missing the bigger wealth-generating picture.)
    
    
74. “If you don’t understand heat, you can’t bake a cake.” (Similarly, if you don’t understand money, value, and financial alignment –physically, mentally, and spiritually– you’ll struggle to create a pleasant financial situation for yourself.)
    
    
75. Track your money habits. (It’s so easy to track your spending and your income. Really. That’s just two things to start. Two items to keep an eye on. How much is going out, and how much is going in. And if you’re broke, it’s even easier, because very little tends to be going out, or in. After you get a handle on that, you can look closer at your money habits, even tracking your attitude during the giving and receiving process.)
    
    
76. Improve your money habits. (Now that you’re tracking your money habits, assuming you’re doing so with a happy, healthy, positive attitude, it becomes much easier to improve them. When’s the last time you improved a financial habit?)
    
    
77. Shift your money beliefs. (This has been a focus of this article, so hopefully you understand how important and impactful it is. “Watch your thoughts, they become your words; watch your words, they become your actions; watch your actions, they become your habits; watch your habits, they become your character; watch your character, it becomes your destiny.” –Lao Tzu)
    
    
78. Understand perceived value. (A burger isn’t perceived as very valuable to a vegan. And even a veggie burger won’t be perceived as valuable to them if they’re not hungry. And even if they are hungry, they might perceive that it’s more valuable to remain loyal to their current brand of vegan burger.
    
    The things that are valuable to other people are often very specific, misunderstood, or glossed over. We often think what’s ‘obviously valuable’ to us, should be ‘obviously valuable’ to others, but that’s rarely the case. It’s far more common that anyone who wants to sell something needs to use click-bait-ish ‘hooks’ or gimmicks, persuasion tricks, the ‘right’ words, proof, bonuses, money-back guarantees and more just to get someone to wake up from their busy lives and start ‘perceiving’ the value being offered.
    
    People rarely, if ever, perceive the value all by themselves without us lifting a finger. Whether someone is a scam-artist or a kind-hearted leader, perceived value is key in achieving anything in society, including money-making.)
    
    
79. Learn Hormozi’s value equation. (Dream Outcome x Perceived Success Rate / Time Delay x Effortful Burden = Value. More about this can be found in his super-affordable book “$100m Offers” Note: Hormozi also gives some pretty harsh wake up calls for broke people, and it can be helpful, but he’s not always right, so watch out for gurus with bad advice.)
    
    
80. Personal responsibility relates to your earning ability, improve yours. (Blame doesn’t boost wealth. Guilt doesn’t boost wealth. But personal responsibility, owning your sh*t, and having the discipline to apply yourself and fix things? That definitely boosts wealth.)
    
    
81. Avoid golden handcuffs. (When we see a money-opportunity, it’s tempted to just take it, just say yes, without thinking of the consequences, but this will end up draining your energy, time, and wealth, in the end, leaving you poorer off. Some jobs or clients seem great, until you realize you’re trapped in golden handcuffs, running on a new hamster wheel, just to keep the money flowing, and you would’ve been wiser to decline the opportunity in the first place.
    
    Take time to meditate on financial opportunities before committing, and have the courage and faith to say no to anything that isn’t a right fit.)
    
    
82. “F**k You Money” is a game-changer. (F.U. Money means having enough money to tell others to uh, ‘eff off,’ without fearing financial repercussions in the short, or long, term. The number is different for everyone, depending on their life goals and lifestyle.
    
    During my homeless years, I told plenty of people to F-off while only having pennies to my name.
    
    If you can lower standard of living quite low, and still find a way to meet those living expenses in a happy, fulfilling way… then you have a very low F.U. Money number. Someone attached to Prada purses, Dior shoes, and three Starbucks daily is gonna have a much higher income number to achieve F.U. Money, and will need to focus on making more money.)
    
    
83. Master your mood, make more money. (It’s scientifically proven that your mood affects your money situation, so even if you haven’t been raised with emotional tools, it’s vital you apply yourself and learn to manage your mood.)
    
    
84. Dropping drama is a huge help to your wealth. (Life serves up enough drama on it’s own, so if you’re making choices that add to the drama, you’re almost certainly harming your finances. Stop it. Learn to breathe, let things go, and see love and prosperity in all situations.)
    
    
85. Intentional scheduling affects your money. (A couple other tips touch on this, but it’s worth emphasizing. If you have dreams of more money, you must change your schedule to match those dreams. If you dream of many thousands per month, let’s say, your schedule should have you serving value to plenty of other human beings, online or irl, as that is a schedule that would match.
    
    If you dream of making an extra $100 this month only, then you’ll only need a small change in schedule. For example, unless you’re heading towards professional gaming, you probably don’t want most of your month committed to video games.)
    
    
86. Boundary-setting can affect your money. (Many of us were trained to be doormats. We grew up in low-boundary homes and taught that our purpose was purely to help others and not be “burdens.” We let bosses and customers shred our souls as we go the extra mile through weekends, holidays, and more. It seems like we should be rewarded and compensated for all our extra work and sacrifice, for putting our dreams and desires aside for others.
    
    Wrong. The universe rewards people who prioritize their dreams and desires, and nothing good happens to boundary-less people-pleasers. If you’re the latter, you have much retraining to do.)
    
    
87. Understand your wants. (Wants and desires can be healthy, natural things, or they can be twisted cravings that don’t actually serve us. It’s up to us to figure out if our craving for weed is a healthy part of our persona, or a distraction, pulling us away from our wealth dreams.
    
    It’s easiest to do this when you understand that a want is a conversation with the universe, and that we never ‘need’ to get what we want. This approach often makes it much easier to realize our desires, monetary or otherwise.)
    
    
88. Focus on process, systems, and habits, not outcomes or results. (When a child is learning how to walk, they’ll focus on walking only. They’ll fall over and over, but still their minds aren’t focused on the fall, or on the end result of “I must walk like adults.” Their mindset is “I’ll walk now,” “I’ll engage the process now.” They do so, daily.
    
    Eventually the child who keeps his mind focused on the process with clarity reaches their goal. The desired outcome is a result of a happily executed process, not wishful thinking or obsessing over some end goal. The child is focused on the process not on the outcome.)
    
    
89. Eternal abundance is your natural birthright. (Bob Proctor teaches that we all deserve to be wealthy because we’re all born rich with opportunity, ability, and the willingness to create.
    
    But, somewhere along the way we forget all that opportunity and creative energy and fall into victimization, negative thoughts, self-deprecation, etc. We start believing that our world has limits, that things are hard to come by, and that life is unfair. Your reasons for feeling this way are valid, but you must move past it and reclaim your abundant birthright.)
    
    
90. A desire for wealth can be divine, money can be spiritual.(Money & spirituality are a power-couple, not rivals. Thinking wealth and spirituality don’t mix? That’s outdated nonsense. Money isn’t evil… it’s a tool. A neutral energy.
    
    And when conscious people have financial power, they uplift, heal, and create massive impact.Your soul is abundant, scarcity is a human, ego-driven illusion. Your ego may panic about all the tragic limits around, but your soul knows you’re destined for more, and can create anything you want.
    
    Spirituality = expansion, so does money, think about it. More resources = more impact.Plus, money is neutral, it’s your energy around it that makes the difference. Struggling financially doesn’t make you “more spiritual,” but using wealth for good is truly divine. So get on it.)
    
    
91. Understand “needs.” (You’ve always been OK, even when you thought you weren’t. Haven’t you lived through every single experience up till now? Yes. So ditch the overthinking, the knee-jerk beliefs, the endless “shoulds”… and what’s left?
    
    The truth: You’ve never NOT been okay.
    
    Before your mind labeled things “wrong” or “unacceptable,” reality was “just being.” No resistance, no suffering. What’s the alternative? Fighting reality, fighting “what is”? That’s a battle you’ll lose every time.
    
    Because reality is always right. It’s only our arguments with it that wreck our peace. Byron Katie suggests we ask:
    
    “How do I know I don’t need something?” Answer? I don’t have it.
    
    “How do I know I do need something?” Answer? I have it.
    
    “But what if I die?” people may ask… well, who says you won’t be “okay” even then? Question that thought.
    
    Because if you really dig deep, you’ll see—every true need?
    
    Already met.
    
    The rest? Just passing desires dressed up as life-or-death demands.)
    
    
92. Realize that needing something creates lack / opposition. (Basically, reality already has your back. The second we believe we need something we don’t have, life seems to block it. But the truth? The universe is already showering us with everything we truly need: acceptance, love, abundance, peace, stability. It really is all around.
    
    So our only job? Stop arguing with reality. When we stop spinning stories and just witness the moment, we see we’ve always been okay. The universe never rejects us, we just misinterpret it when we try to force what’s already freely given. We don’t have to make ourselves accepted, supported, or loved.
    
    We just have to recognize that we always were, then more arrives.)
    
    
93. Serve One Real Person, well. (One of the most important things you’ll ever do to grow your wealth, that’s why I’ve written 4 guides on it, made a free Ideal Customer Profile template for it, touched on it in my How To Brand Your Business mega-guide, as well as in my Make Getting Customers A Breeze blog post.
    
    Money flows best when you’re serving a real person, directly, and perceivably, and the better you serve One Person, the better you’ll serve others, and the faster your reputation / brand will grow. Don’t believe me? Read the guides.)
    
    
94. Re-examine the phrase “don’t trade time for money.” (This is a silly saying. Everyone is always spending their 24 hours of daily life. And as you spend your life moments, you’re either gaining something beneficial, desirable, and energizing in return, such as money or relationships, or you’re being drained and ‘losing’ resources.
    
    So you’re always trading time for something, whether you realize it or not.
    
    The trick is to trade your time for empowering, life-enriching things, like setting up passive income streams, or establishing valuable relationships, or karmically elevating others.)
    
    
95. Understand work vs. play. (Lots of people turn their ‘work’ into ‘play.’ If you watch interviews of many media personalities, you’ll see they don’t feel like they working a single day of their lives. This is because you’re meant to play abundantly and generate value through that play, if you desire it.
    
    First, you must believe play can lead to wealth, then you must believe you’ll discover the right lucrative play for you, and then you must be at peace with the process of discovering your prosperous play. This requires courage, boundary-setting, not living “like normal people.”
    
    Easier said than done? Maybe. But most people don’t even try. Will you?)
    
    
96. Accept that your wealth inspires others. (When you generate wealth, any wealth, you’re not just doing it for you. Every dollar is inspiring people you don’t even realize. It could be your family, or friends, or people who read your social posts. It could be the next generation of people who aren’t born yet, but will look to your success years from now.
    
    It could even be people who are envious of something you have or are. Either way, it’s good, and valuable, and it makes every dollar that flows to you worth far more than just ‘what it can buy.’ Start seeing any funds that pass through your hands as a blessing to the world, because they are.)
    
    
97. Go beyond probability and limitation. (As kids, we believe anything is possible, and we believe that even unlikely things can happen for us. We believe we can win awards, become astronauts, manifest rare items, and so on. And as kids, we often do exactly that, even if our memories are hazy now.
    
    Then, school comes along and teaches us about probability, and parents train us to believe in the ‘unlikelihood’ of things happening. The worlds’ successful elite though, keep ahold of their belief that they can realize the improbable. And if you want to get out of poverty, you’ll likely need a similar belief.
    
    You must believe that no matter how unlikely wealth is for other people, no matter how unlikely your monthly rent will be paid… that you go beyond probability, and sooner rather than later, what you want will be realized in your life.)
    
    
98. Avoid bad money advice, bad money gurus. (What can I say, there’s tons of terrible advice out there, being spewed as if it’s fact. It’s really up to you to sort the good from the bad. Suffice to say, bad advice can really delay your wealth.)
    
    
99. Being more ‘lazy’ can create more wealth. (Don’t believe me? Just ask Bill Gates: “I choose a lazy person to do a hard job. Because a lazy person will find an easy way to do it.” The point is, we’ve been taught by the ruling elites who want hyper-productive workers, that the more we do, and the harder we work, the more rewarded we will be by life.
    
    But that’s not true at all. Some of the most handsomely rewarded humans on earth are those who do very little. Does that mean I’m advising you to be lazy? Not necessarily, see the following tip.)
    
    
100. Being less ‘lazy’ can create more wealth. (While some people’s wealth can be held back because they’re too addicted or afraid to relax and hop off the hamster wheel, others’ wealth is held back because they’re too apathetic, lackadaisical, or outright ‘lazy’ to leave their comfort zones and commit to what they love.
     
     Some people actually do need to ‘do more’, especially of activities that energize them.)
     
     
101. Toxic productivity hurts your wallet. (Toxic productivity is the illusion of progress—you’re busy, but not wealthy. It’s like running on a treadmill expecting to reach a destination. You grind endlessly, ticking off low-impact tasks, mistaking motion for momentum.
     
     But wealth comes from leverage, not labor. If you’re drowning in to-do lists, burning hours on “feel-good” work, and avoiding strategic moves [sales, delegation, investments], you’re just spinning your wheels. Work smart, not just hard.)
     
     
102. Toxic friends (or fam) hurt your wallet. (Toxic friends are like anchors on your bank account. They mock your ambitions, guilt-trip you for working, and lure you into draining habits like mindless gossip, impulsive spending, and time-wasting drama. They’re allergic to growth, so when you start leveling up, they pull you back down.
     
     Success demands an environment that fuels wealth, not one that sabotages it. If your circle doesn’t challenge you, inspire you, or push you forward, it’s keeping you broke. Harsh truth? You either upgrade your network or downgrade your dreams. Wealth isn’t just about money, it’s about mindset, and the wrong people will bankrupt yours. Choose wisely.)
     
     
103. Stop people-pleasing. (People-pleasing is a silent wealth killer. You undercharge… to please others. You overextend… to please others. You say “yes” when your heart is screaming “no”… to please others. You prioritize keeping others over doing what create the most energy –and therefore wealth– in your life.
     
     But guess what? The world rewards those who value themselves. If you’re too afraid to set boundaries, negotiate, or charge what you’re worth, you’ll stay broke, exhausted, and resentful. Wealth flows to those who own their time, energy, and value—not to those bending over backward for approval. Stop being everyone’s doormat. Start being the boss of your own life.
     
     Because broke and burnt out isn’t generosity—it’s self-sabotage.)
     
     
104. Judginess is a dream-killer. (Judginess is a poverty mindset in disguise. When you scoff at wealthy people, mock “cringey” sales tactics, or roll your eyes at personal growth, you’re slamming the door on opportunity, and slamming it on wealth. Success requires an open mind… judging others just builds mental walls that keep money out.
     
     You can’t attract what you resent. Instead of tearing down winners, study them. Instead of dismissing new strategies, test them. Wealth isn’t for the “too cool” or “too smart” to learn… it’s for the adaptable. Drop any ego, ditch any side-eye, and watch how fast your bank account catches up. Judge less, earn more.)
     
     
105. Your path to wealth is unique and individual… sort of. (Paths to wealth are like fingerprints, no two are identical, but they all share the same underlying structure. Some people build riches through business, others through investing, artistry, or even gaming. The paths differ, but the principles remain the same.
     
     Every wealthy person mastered value creation, leveraged resources, and stayed relentless despite setbacks. They played the long game, took smart risks, and aligned their money moves with their strengths. Your path to wealth won’t look like Elon’s, Oprah’s, or your millionaire neighbor’s… but if you study wealth-building fundamentals, adapt them to your journey, and stay in the game long enough, you will strike gold. The broke stay broke by insisting their situation is “different.”
     
     Hint: It’s not. The rich get richer by recognizing patterns and applying proven principles in their own way. Individual paths, universal truths. Master both, and wealth is inevitable.)
     
     
106. Build an emergency fund. (An emergency fund is your financial airbag, without it, one unexpected hit (job loss, medical bill, car repair) can send you spiraling into debt. Wealth isn’t just about making money… it’s about keeping it.
     
     Without a safety net, you’re playing financial Russian roulette. Start small, say $100, then aim for 3-6 months of expenses. Sell stuff, do side-hustles, whatever it takes. The goal is peace of mind.
     
     When life throws curveballs, you won’t be scrambling or begging. You’ll be standing tall, financially unshaken. Build it now, or regret it later.)
     
     
107. Play the wallet process game. (Trick yourself into the feeling of spending a lot, without literally lowering your accounts. Note: Some people are not ready for this game, if you feel discomfort, try the game at another time.)
     
     
108. Replace your to-do list with a universe-do-list. (Delegate to nature, life, the universe. Note: Some people are not ready for this game, if you feel discomfort, try the game at another time.)
     
     
109. Play the bills-paid game. (Trick your emotions into feeling better, even about big expenses and debts. Note: Some people are not ready for this game, if you feel discomfort, try the game at another time.)
     
     
110. Play the prosperity game. (Trick your emotions to feel abundant, prosperous, thriving, and rich. Note: Some people are not ready for this game, if you feel discomfort, try the game at another time.)
     
     
111. Know that money is divine. (Money isn’t just paper and numbers, money is energy, a physical manifestation of value exchanged. It flows to those who respect it, align with abundance, and see it as a force for good in their lives.
     
     The broke demonize wealth, but the wise see its divine nature. Money builds schools, feeds families, fuels dreams—it amplifies impact. Wealth isn’t greed… it’s growth. It’s the universe rewarding those who create, serve, and elevate others. Want more? Shift your mindset. Ditch guilt, embrace gratitude, and treat money like a trusted ally, not an enemy. Meditate on abundance, give generously, receive openly.
     
     Because when you master money’s energy, wealth flows effortlessly—and that’s divine alignment.)
     
     
112. Learn to set small goals and achieve them. (Every time you accomplish a goal, any goal, you create positive feedback that shifts your identity to one of an achiever.)
     
     
113. Optimize your traits, quirks, flaws, and skills. (Your quirks, flaws, and traits aren’t weaknesses, they’re your superpowers in disguise. Think about it. The things that make you different are the same things that make you memorable.
     
     Trying to fit into someone else’s mold? That’s a shortcut to mediocrity. Embrace your awkwardness, your weirdness, your unique spin on life. When you optimize those qualities by honing them, refining them, and making them your brand… you attract the right people who vibe with your authenticity.
     
     Wealth flows to those who stand out, not blend in. Your imperfections are your invitation to prosperity. Own them, and the world will pay you for them. Create a strong personal brand.)
     
     
114. Understand energizing activities vs. draining ones. (Wealth isn’t just about time management, it’s about energy management. Every activity either fuels you or drains you. High achievers double down on what energizes them… closing deals, creating, strategizing, because that’s where their genius thrives.
     
     The broke? They waste hours on soul-sucking tasks, pointless drama, and obligations that leave them running on empty. So audit your life. Cut what depletes you. Prioritize what lights you up. Because when you protect your energy, you protect your income. And when you’re fully charged, wealth follows effortlessly.)
     
     
115. Swap your self-labels. (Labels are destiny. Call yourself “broke,” “unlucky,” or “bad with money,” and guess what? Your brain works overtime to prove you right. Your identity shapes your actions, and your actions shape your bank account.
     
     Not all the wealthy are born rich, many rewrote their internal script. Swap “I’m struggling” for “I’m learning to master money.” Trade “I’m just getting by” for “I’m building wealth daily.” When you shift your labels, you shift your reality. Poverty isn’t just a lack of money, it’s a mindset trap.
     
     Change how you see yourself, and wealth starts chasing you. Upgrade your identity, upgrade your income.)
     
     
116. Increase your perceived value to increase your wealth. (As I mentioned earlier, money follows value… perceived value. You don’t have to be the best, just seen as the best. Why does a designer bag sell for thousands while a similar one at Target goes for $30? Branding. Perception. Positioning.
     
     The same applies to you. If you own your worth, learn to persuade, and showcase undeniable value, the world pays up. Wealth isn’t about working harder, it’s about being valued higher. You’ve got this!)
     
     
117. A wealth-mindset is required to perform money-making actions. (Your thoughts are the blueprint of your bank account. You can’t build wealth with a broke mindset. Just like if your thoughts believe you can get water, then your actions will get water for you… similarly, if deep down you believe money is evil, sales are sleazy, or success is “for other people,” your actions will fulfill that. You’ll hesitate on opportunities, undercharge, avoid risks, and play small—because your thoughts dictate your moves.
     
     Wealth-creating actions… investing, negotiating, selling, scaling—stem from wealth-creating beliefs. So shift your mindset first. Adopt thoughts that fuel success: Money is a tool. My skills are valuable. I deserve abundance. Because without the right mental foundation, even the best strategies crumble. Wealth starts in the mind.)
     
     
118. Un-abundance is a curable dis-ease. (If you were sick, you’d focus on healing, right? If your car is broken, you’d focus on fixing it, right? Well, if your finances are down, focus on boosting them. Lack of abundance is a curable dis-ease.)
     
     
119. A wealthy mind is made by tweaking one desire, belief, or resistance at a time. (I go deeper into this here: “3 Simple Steps To Manifest… Anything” and here: “You’ll Make Money Like A Boss Once You Understand It” .)
     
     
120. Small environmental changes matter, fix small frustrations ASAP.(Your environment shapes you more than willpower ever could. If you’re surrounded by clutter, distractions, and negative influences, your brain absorbs that chaos, and your actions follow. But tweak your surroundings? Boom. Instant leverage.
     
     It sends a message to your subconscious that you control your life.
     
     So, curate your space for success. Fill it with books, reminders of your goals, and people who uplift you. Ditch energy-drainers—messy rooms, toxic friends, endless notifications. These small changes reinforce control over your life, shifting you from reacting to directing. An internal locus of control means you stop blaming luck, the economy, or others—you own your outcomes. And when you feel in charge? Wealth-building becomes inevitable.)
     
     
121. Attachment to money makes acquiring it harder. (“Any strong mental, emotional, or physical dependence on –or desire for– “money” will prevent both money and the related goal [the money is for] from being realized.” – Vadim Zeland. Basically, letting go is key.)
     
     
122. Master focus to make more money. (I cover this more in my post “5 Reasons You’re Not As Focused As You Think” and in my free guide “Focus: Key Brand Ingredient.“)
     
     
123. Stop comparing yourself to others. (Comparison is a wealth killer. The second you measure yourself against someone else’s highlight reel, you’ve lost. You waste energy envying their wins instead of creating your own. You chase their path instead of mastering yours.
     
     Wealth isn’t built by copying what others have exactly, it’s built by doubling down on your unique strengths.
     
     Every minute spent thinking “Why them, not me?” is a minute stolen from your success. Instead, ask “What can I learn?” Then execute. Winners don’t compare… they compete with their past selves. Stay in your lane, refine your craft, and watch how fast wealth starts chasing you.)
     
     
124. Unless you’re making less than $300 a month, your coffee purchases have almost zero relevance. (Small sacrifices no longer noticeably improve standard of living or enable bigger purchases.)
     
     
125. Master deadlines. (Deadlines should serve you, not the other way around. The broke live in panic mode, letting deadlines control their stress, choices, and self-worth. The wealthy? They see deadlines as tools… movable, flexible, and always negotiable when needed.
     
     When you see yourself as bigger than a deadline, you operate from power, not pressure. You negotiate better terms, prioritize wisely, and protect your energy.Rushing to meet arbitrary timelines often leads to sloppy work and missed opportunities. But when you own your time, you create at a high level, attract premium clients, and build sustainable success. Master time, don’t let it master you.)
     
     
126. You’re your own best employee, so be careful. (You are both the CEO and the employee of “You, Inc.,” and the way you “manage” yourself determines your wealth. A lazy, excuse-making employee tanks a company. A disciplined, proactive one makes it thrive.
     
     So, ask yourself: “Would you hire you or fire you?” If you show up late to your goals, procrastinate on high-value tasks, or half-ass your execution, your “business” suffers. No promotions, no raises, just stagnation.
     
     But if you hold yourself to a high standard, train your mind like an elite performer, and take initiative daily, wealth follows. The best CEOs set clear expectations, measure performance, and invest in their people. Apply that to yourself.Set goals, track progress, and upgrade your skills relentlessly. Be the kind of employee your future self would be proud to reward… because in the end, your “paycheck” in life is a direct reflection of how well you manage… you.)
     
     
127. Master the “as within, so without” principle, a la Jung. (“As within, so without” isn’t just philosophy, it’s a wealth-building precept. Your external world mirrors your internal one. If you’re battling self-doubt, guilt, or money trauma inside, your bank account will reflect that chaos.
     
     Your “shadow,” the hidden fears, suppressed desires, and rejected parts of you… runs the show behind the scenes. Ignore it, and it sabotages you with procrastination, underpricing, or avoiding risk.
     
     But integrate it, and you unlock massive power. Facing your shadow means owning your greed, envy, or fear of success… not repressing it. Once you bring those into the light, they lose control over you. You take bolder actions, set higher standards, and claim the wealth you once pushed away. Money is an energy game, and clearing inner blocks makes you a magnet for success.Master your inner world, embrace your shadow, and watch your outer wealth transform.)
     
     
128. Explore the connection between love, money, and you. (Love is the ultimate wealth hack. Seriously. I’m talking about the love that fuels passion, sharpens focus, and makes you give your best to the world. When you operate from love… love for your craft, your audience, your vision… you naturally create value. And value attracts wealth.
     
     People feel when something is built with love. A chef who pours love into their food creates dishes people rave about. An entrepreneur who truly loves solving problems builds a brand that skyrockets. Love makes your work magnetic.Plus, love aligns you with synchronicity. The right opportunities, connections, and “lucky breaks” start flowing your way. You meet the right investor at a coffee shop. A client randomly refers ten more. These aren’t accidents, they’re love-fueled energy aligning with abundance. When you love what you do, work becomes play, obstacles become stepping stones, and money chases you.
     
     Love is the frequency of miracles, and miracles lead to wealth.Love is a deep, nuanced, and misunderstood topic though, and really must be experienced in trusting and abiding faith though. So if you’re not ready for it, I get it. I figured it was worth mentioning anyway, to help you attract wealth and stop being broke.)
     
     
129. Learn to love money and see it in everything. (Learn to love money flowing. Love every cent that gets spent. Love every cent that is received. Love the money that went into creating everything you use every day.
     
     Love money that has flowed in the past. Love money that is yet to come. Love all the creative earthly value symbolized by money. Love that some others have more. Love that some others have less.
     
     Love money because it is a tool, love it the same way you love your favorite paint brush, or your favorite laptop, or your favorite mug, or any other tool. Learn to love money.)
     
     

There we go, an abundance of money tips on how to stop being broke.

You’re welcome to choose the one’s that resonate with you most, but please keep in mind it’s usually the tips we avoid that we need most.

Now let’s talk about how to shift your money beliefs.

4. Shift your money beliefs.

We’ve covered how you think about money shapes your reality.

And how your beliefs act like the filters through which you see the world.

So, just like any filter, they can either sharpen your focus or blur your vision.

“Basically, I chose not to identify with being broke any longer. I realized I deserved a beautiful life, and abundance was something that I needed to welcome into my life.” – Jen Sincero

If you’re stuck in a cycle of financial struggle, then it’s time to change that lens.

You’ve got the power to shift your money beliefs from scarcity to abundance, and it all starts with a simple choice.

Make the choice to embrace abundance thinking.

The most game-changing belief you can adopt is abundance thinking.

This means choosing to believe that there’s enough for everyone, and that opportunities to make and grow not just money, but any dream, are all around you.

It’s a mindset that opens doors and invites opportunities into your life.

Take a look at Jordan’s mindset vs. the jogger’s mindset:

And here’s another example:

• Scarcity Mindset: “I can’t afford this.”
• Abundance Mindset: “How can I afford this?”

Notice the difference?

The scarcity mindset sees limitations—what you can’t do.

The abundance mindset sees possibilities—ways to make it happen.

The question shifts from a dead end to a door waiting to be opened.

When you think abundantly, you start seeing resources, ideas, and solutions you didn’t notice before.

You start attracting the opportunities you need.

Remember…

What you focus on grows.

If you’re focused on “lack,” that’s what you’ll see.

But when you flip your focus to abundance, your life will start to mirror that.

“People with a Scarcity Mentality have a very difficult time sharing recognition and credit, power or profit—even with those who help in the production. They also have a very hard time being genuinely happy for the successes of other people—even, and sometimes especially, members of their own family or close friends and associates. It’s almost as if something is being taken from them when someone else receives special recognition or windfall gain or has remarkable success or achievement.” – Stephen Covey

Chart inspired by turning over pebbles.

Now let’s cover visualization & your financial success.

I pointed out before how affirmations and visualization often don’t work for many people.

This usually happens because their nervous system is too triggered or their trust in the universe is weak, or they don’t have enough confidence built-up to take necessary actions or maintain their focus.

That doesn’t mean visualization isn’t a great tool though.

It’s still very powerful for those who’ve done the internal work necessary to unlock it.

And visualization isn’t just about wishful thinking, it’s about programming your brain to expect success.

When you take a moment to see yourself succeeding —whether it’s getting that promotion, launching your dream business, or paying off debt— your mind begins to believe it’s not only possible, but inevitable.

And when your mind believes it, your actions follow.

“What we achieve inwardly will change outer reality.” – Plutarch

The best part?

This doesn’t have to be some mystical, ungrounded practice.

It’s rooted in science— your brain can’t tell the difference between an experience vividly imagined and one that actually happens.

So, when you consistently visualize financial success, your brain starts to create pathways to make that success a reality.

Shift your mindset from scarcity to abundance, and start visualizing your financial success.

It’s not just “positive thinking,” either.

It’s rewiring your brain to see the opportunities and possibilities you need to create lasting financial transformation.

Ideally, you’d just happily apply the majority of the tips listed above.

Ideally, you’d commit to providing more perceived value, thus earning more while spending more efficiently, and you’d very quickly soar beyond broke-ness.

Ideally, you’d just change how you spend your moments, you’d improve your schedule, improve your social circles, improve your time-management, improve your persuasion, self-confidence, etc.

Ideally, you’d realize making money is easy, and has been done since caveman times, that it’s your birthright to thrive as a human, just like countless other animals on earth thrive, and that you can do it too.

But as I said in the beginning, most of us have generational traumas, years of terrible financial habits, and countless misbeliefs instilled in us by society.

So, just like learning to swim, this might take you some time.

And you’ll really need to apply yourself.

And you’ll need to be OK making mistakes, and having some unpleasant financial outcomes as you learn and practice.

If you’re not OK with that, it will make your broke-ness stick around longer, and prevent your financial learning.

But let’s say you’ve done the work, and have eventually found a reasonably healthy mindset towards money.

We can finally have some real talk about your financial habits.

5. Tracking your money habits

Awareness is the first step toward any kind of change, whether you’re trying to eat healthier, hit the gym, or take control of your finances.

You’ve probably heard the saying,

“What gets measured, gets managed.”

Well, when it comes to money, the more you pay (positive, accepting) attention to where it’s going, the more control you’ll have over how it flows in and out of your life.

Tracking your money habits isn’t just about knowing how much you spend on lattes or your latest online shopping spree… It’s about getting real with yourself.

You can’t fix a problem you’re not aware of.

And money leaks are notorious for staying hidden until they drain your bank account.

If you want a jumpstart with financial tracking, there are tons of easy tools available to help you track your finances.

Apps like Mint or YNAB (You Need a Budget) are excellent for real-time tracking and categorizing your expenses, but even an Excel spreadsheet or Google Sheets will do.

If you prefer something more tactile, try keeping a money journal.

Simply writing down each purchase or expense can help you connect the dots between your habits and your financial reality.

Whether digital or analog, the key is to track consistently and reflect on your habits regularly.

Build better financial habits

Building better financial habits doesn’t happen overnight, but by making small, intentional changes, you’ll start seeing results.

Here are a couple of money habits you can adopt to ensure your wealth grows instead of getting eaten up by unnecessary expenses.

Pay yourself first.

The concept of paying yourself first is one of the simplest and most powerful ways to start building wealth, and it’s a great habit to practice as you work toward financial freedom.

Instead of waiting until the end of the month to see what’s left over, put money into savings before you pay your bills.

Treat it like an expense that must be covered, just like rent or utilities, even if it means other things get pushed to the side.

Even if it’s only as much as a dollar.

Think paying yourself a dollar can’t help? Think again.

It is sending a message to your brain, your nervous system, and the universe that you matter, and your personal wealth matters.

If you pay everything else first, it sends the message that your personal wealth is unimportant.

Both of these can become a self-fulfilling prophecy.

Why does this work? Because it forces you to prioritize your future self. Think of it as setting a wealth-building foundation.

“The truth is few people ‘think’ big and even fewer ‘play’ big. Why? Because ‘big’ often means big responsibilities, big hassles and big problems. They look at that ‘bigness’ and shrink. They’re smaller than their problems. They back away from challenges. Ironically, they back themselves into the biggest problem of all … being broke, or close to it.” – T. Harv Eker

By consistently saving first, you’re more likely to find ways to cut back on non-essential expenses.

For example, if your budget allows, you could set aside 10% (or even 1%) of each paycheck into savings before anything else.

It doesn’t need to be a huge amount, just something that adds up over time.

Over the course of a year, this habit can turn into a solid emergency fund, a down payment for a home, or investments in your future.

An example of “paying yourself first:”

In this example, you immediately set aside $300 for savings before anything else.

You still have plenty to cover your essential expenses, and by paying yourself first, you’re putting your future ahead of your present desires.

You could do the same thing with $3, and it would still benefit you on a deep level.

Automate your savings.

You can make sure the above happens, and that you pay yourself first, by automating your savings.

When it comes to saving money, automation is your best friend.

Now, if you’re super-broke, it might not be the time to focus on savings. In that case you must focus on earning more and providing more perceived value to the ‘right’ people for you.

That said, if you’re like most people, you’ll find that saving is easy to forget or even put off—until you need it most.

By automating your savings, you remove temptation, ensure consistency, and make the process effortless.

One of the simplest ways to automate your savings is by setting up automatic transfers from your checking account to a savings account.

Tools like Qapital, Oportun, or Chime offer automated savings options where the app moves a certain amount of money for you on a regular basis.

Some apps even round up your purchases to the nearest dollar and transfer the spare change into a savings account.

For example, you could set up a system where $50 is transferred into your savings every payday.

Over time, this will build up without you having to lift a finger.

Or, if you use a “round-up app,” every time you buy a coffee for $3.50, it’ll round up to $4, and the 50 cents gets deposited into your savings account.

It’s like saving without even thinking about it—and the more consistent you are, the faster your savings will grow.

Tracking your money habits is crucial to understanding where your finances are really going.

To build better financial habits, prioritize savings by paying yourself first and setting up automatic transfers into your savings account.

These simple steps can help you make steady progress toward your financial goals while building wealth over time.

6. Perform money basics.

Understanding your finances at a deep level isn’t just about having money in the bank.

It’s about knowing exactly where that money’s coming from, where it’s going, and how much you’re actually worth.

We’re talking about getting clear on your numbers…

…because without clarity, it’s nearly impossible to move forward with your financial goals.

When you take the time to assess your income, expenses, and net worth, you’re giving yourself the tools to make informed decisions, set realistic goals, and track your progress.

Get clear on your numbers.

You’ve heard the phrase “knowledge is power,” right?

Well, knowledge about your finances is power in one of its most useful forms.

To get started, take a deep dive into the three key areas that will help you understand your financial situation:

1. Income: Know exactly how much money is coming in each month. Include all sources—salary, freelance work, side hustles, investments, etc.
2. Expenses: Track every expense you have, from big-ticket items like rent to small daily purchases like coffee. No expense is too small to ignore when you’re trying to get clear.
3. Net Worth: This is the grand finale—your total assets minus your liabilities (debts). It’s a snapshot of your true financial position.

Creating this snapshot will give you the clarity you need to make smarter decisions and identify areas where you can cut back, save more, or start building wealth.

Once you have these numbers down, you’ll have a much clearer sense of where to focus your energy.

Sample Personal Financial Snapshot:

This sample shows a positive net worth, but the key is knowing how everything fits together so you can make smart financial decisions moving forward.

Create a realistic budget.

Alright, so you’ve cracked the code on your numbers—awesome.

Now it’s time to build a budget that doesn’t feel like a straight jacket but still keeps you thriving.

Forget complex spreadsheets or penny-pinching misery, what you need is a simple, flexible system that vibes with your life and keeps your wallet in check.

Enter the 50 / 30 / 20 rule, a budgeting framework so straightforward it practically runs itself.

Here it is:

• 50% for Needs: The essentials—think rent or mortgage, groceries, utilities, transportation, and insurance. These are the non-negotiables.
• 30% for Wants: Here’s your fun fund—dining out, streaming services, shopping sprees, or whatever puts a smile on your face. Life’s meant to be enjoyed, after all.
• 20% for Savings & Debt: The power category. This is where you stack cash for emergencies, invest in your future, or crush lingering debts like a boss.

Why does this work?

Because it’s ridiculously easy to follow and super adaptable.

Income changes? Lifestyle shifts? No sweat—just tweak the percentages to match your current reality.

The goal isn’t perfection; it’s about staying in control and making steady, meaningful progress.

Start by getting laser-clear on your financials… know your income, track your expenses, and understand your net worth.

Armed with this knowledge, the 50 / 30 / 20 rule becomes your playbook for financial freedom.

Bottom line: Clarity + a simple plan = taking charge of your finances and building wealth, one smart decision at a time.

Keep it simple, stay consistent, and adjust as life happens.

Progress beats perfection, always.

7. Invest in growth, Invest in your future

If you’re serious about wealth-building, you’ve gotta shift gears from survival mode to, ummm, “thrival” mode.

Now, “thrival” isn’t a real word, but it gets the point across.

Having a survival mindset or attitude towards money is self-fulfilling, self-perpetuating prophecy.

Having a ‘thrival’ mindset or attitude towards money is self-fulfilling, self-perpetuating prophecy, too.

And since no one is controlling your mindset and attitude, but you, then you decide which self-fulfilling prophecy becomes real for you.

Survival mode means hustling just to make ends meet, and it’s basically like treading water when you could be swimming toward a yacht.

The key?

Invest in growth, both personal and financial.

Whether it’s finding volunteers or mastering new skills, wise investments in your growth don’t just pay off, they multiply wealth.

The power of “hiring help” (yes even broke-ies can do it.)

I get it.

This sounds crazy.

Hiring help when you’re barely making ends meet feels backwards, right? Like, “How can I pay someone else when I can barely pay myself?”

And “who talks about hiring help in an article called ‘How To Stop Being Broke?’ Is he loco?”

But in life, counterintuitive things are often the path to success.

They work.

So why does sourcing volunteers, looking for an intern, or hiring someone off Fiverr work?

Because you’re valuable.

That’s why.

And specifically, your time is way more valuable than you think.

Every hour spent on tasks that don’t move the needle, or ones that drain you, like scheduling, emails, or admin work, is an hour stolen from your real money-makers.

This applies whether you have a job, a side-hustle or a business, but for example’s sake…

Let’s say you’re a solopreneur drowning in busywork.

Answering client calls, managing social media, doing bookkeeping, it’s endless.

Now picture hiring someone to handle all that noise, so you can focus on what actually matters: closing deals, innovating your product, and building your brand.

When you delegate effectively, the ROI (return on your investment) is off-the-charts.

You’re not just paying for help… you’re buying back time, energy, and mental space.

And that is priceless.

And it can be done for much cheaper than you think, (charities often manage it for free.)

Even a ‘jobber’ can ask a friend to help out with a task now and then, as long as you have a good reason, or can frame it as a benefit to the friend at the same time.

Getting help from others is a part of life, worth getting good at, and extremely high-leverage. It’s how everyone gets wealthy.

Leveling up your learning.

Here’s a truth bomb: your income will rarely, if ever, outgrow your knowledge.

Especially if you’re feeling broke.

So, investing in yourself, through education, mentorship, or skill-building, isn’t really optional.

It’s essential.

Think of it like upgrading your toolbox.

You wouldn’t build a skyscraper with a rusty hammer, right?

Well the same goes for your skills and your wealth.

If you want sky-high wealth, you’ll want skills to match, ASAP.

And that takes study and practice.

Want to negotiate better deals? Land higher-paying clients? Master emotional resilience around money?

These are the tools that take you from decent to dominant.

Whether it’s a formal course, a mentor’s wisdom, or just consistent self-education, every new skill you learn is like a new weapon in your arsenal.

Financial enlightenment: The bigger picture.

And everything I’m teaching here isn’t just about stacking cash.

It’s about becoming the kind of person who magnetizes wealth.

Which is why we deep-dive into the psychology of money, aligning with your values, and creating a relationship with money that feels empowering, not stressful.

True wealth isn’t just in your bank account…

…it’s in your mindset, your knowledge, and your ability to live a life that reflects your dreams.

When you understand how your physical actions, emotional attitudes, and spiritual alignment impact your money, you’re no longer at the mercy of circumstance.

Instead, you’re in control.

Heal your financial dis-ease.

Ease is how all creatures are meant to live.

And deep down we know that.

When we see an animal not living in “ease”, or when we see a child not living with “ease”, we know something is wrong.

The same thing applies to adults too.

You are meant for ease.

And if your finances are causing you trouble, you are suffering an unnecessary dis-ease.

One that you’re meant to heal, naturally and easily.

Straight up, being broke is a symptom, not a destiny.

And anything less than thriving?

That’s a form of dis-ease.

The good news?

It’s totally curable.

By leveling up your skills, securing help, and practicing financial enlightenment, you’re applying the ultimate financial healing modalities.

By applying as many of the 129 tips on how to stop being broke as possible, you’re taking key steps on your journey to financial freedom.

With every smart choice, you’re not just building wealth, you’re building a life that aligns with your highest self.

Being broke is optional, while thriving is your birthright.

Conclusion: Rewrite your money story.

OK, so…

I don’t want you to be broke.

I want you to get off the hamster wheel.

I want you to be wealthy, I want you to thrive.

Or at least live comfortably.

And everything I’ve written here is aimed at helping you do exactly that.

But like I’ve mentioned all along, most people make prosperity more complicated than it needs to be.

And what’s more, most people let unaddressed mental, emotional, and spiritual issues prevent them from implementing the basic money-in, money-out steps people have been using since caveman times.

Don’t let that be you.

Accept that breaking free from financial struggle isn’t just about crunching numbers or cutting back on lattes—it’s about a mental jailbreak.

You’ve gotta escape the prison of scarcity, fear, and reacting to life’s curveballs.

Instead, shift gears into abundance, trust, and proactive wealth-building.

If you’re focused on helping yourself and serving yourself, wealth-creation may be tricky.

Instead, focus on helping others and serving their needs, because money flows as a side-effect of that.

(But don’t become a people-pleaser who’s afraid to say no.)

Anyway, the way you think about money shapes everything, from how you spend $5 today to how you stack your millions tomorrow.

Being broke isn’t a life sentence.

It’s a pattern.

It’s a pattern you can break by confronting those sneaky, limiting beliefs, reprogramming your habits, and betting on your growth.

When you start applying the tips from this article, you’re not just tweaking your bank balance, you’re rewriting the entire story of your relationship with money.

You’re leveling up from:

• Struggling to thriving.
• Scarcity to abundance.
• Paycheck-to-paycheck to legacy-building wealth.

And here’s the icing on the cake.

Once you commit to this shift, the transformation doesn’t just touch your wallet, it ripples through your confidence, your choices, your life.

So, let me ask you: Are you ready to leave “broke” in the rearview?

Then take action today.

Stop making decisions out of fear and panic, trust yourself and life, and focus on serving value to the world with a positive heart, because the hardest step is always the first one.

And once you take it, you’ll wonder what took you so long.

Need a little extra help?

Email my powerhouse partner, Cyn, at cynshineonline (at) gmail (dot) com. She’s a master at guiding people like you to financial freedom and beyond.

Let’s do this. Your future self is already hyped for what’s coming next.

P.S. Wanna hear two A.I.’s have a quick podcast chat about the content on this page? Check it out here: How To Stop Being Broke, J-Ryze Style – Podcast Chat

Frequently Asked Questions (FAQs)

What is a money mindset, and why does it matter?

A money mindset refers to the beliefs and attitudes you hold about money, which influence your financial habits and decisions. A positive money mindset helps you focus on opportunities to grow your wealth and avoid self-sabotaging behaviors.

How long does it take to fix my money mindset?

Changing your money mindset isn’t a TikTok hack—it’s a long game, like growing a garden. Tend to it daily, pull the weeds, and let it take root.

30 days: Small wins. You flinch less at your bank statement, and money talks feel lighter.

3–6 months: New habits lock in. Smarter financial choices happen naturally. Your wallet breathes easier.

1 year: Transformation. Opportunities appear, money flows, and wealth confidence soars.

It’s not a straight path—doubt and setbacks will happen. But stay consistent, and your financial garden will bloom for life.

Can I improve my finances if I’m deeply in debt?

Debt isn’t a life sentence—it just means you’ve been swimming against the current. Time to grab a raft and ride the waves.

Face the facts. List every debt, income source, and expense. Clarity = power.
Prioritize smart. Essentials first, high-interest debt next.

Negotiate everything. Call creditors, ask for better terms—you’d be surprised who’ll help.

Make fast cash. Sell stuff, pick up gigs, offer quick-value services.
Stack a tiny buffer. Even $500 can keep you from sinking deeper.

Rewrite your money story. Stop telling yourself you’re bad with money. Shift the script, shift your future.

Debt feels like quicksand, but every smart move builds momentum. Stay the course, and you won’t just escape—you’ll thrive.

How can I start improving my money mindset today?

Begin by identifying and challenging any limiting beliefs about money, such as “money is evil” or “I’ll never have enough.”

Replace them with empowering thoughts, like “I deserve financial abundance.”

Reading personal finance books and practicing gratitude for what you have are also helpful.

Why do budgets fail, and how can I create one that works?

Budgets often fail because they’re too restrictive or unrealistic. To create a successful budget, focus on aligning it with your goals and lifestyle. Allocate funds for needs, wants, savings, and debt repayment in a way that feels sustainable and flexible.

What’s the best way to break the paycheck-to-paycheck cycle?

The key is to build an emergency fund and track your spending. Start by saving a small percentage of each paycheck, cutting unnecessary expenses, and finding ways to increase your income, such as freelancing or selling unused items.

But the master key is earning and attracting significantly more money.

How do I stay motivated on my financial journey?

Set clear, achievable goals and celebrate small wins along the way. Surround yourself with people who support your financial growth and avoid comparing yourself to others. Visualize your financial success regularly to stay inspired.