Let’s talk cash. Not just the crumpled twenties in your wallet, but the big picture—your financial future. You’ve got dreams, right? A tricked-out truck, a cabin by the lake, or maybe just the freedom to leave your 9 to 5 without sweating the rent. Thing is, if you’re stuck spinning your wheels, it might not be the economy, your job, or that commuter who cut you off in traffic. It might be you—or, more specifically, those sneaky limiting beliefs about money rattling around in your head.
We’ve been down this road before on StopChilling.com. If you’ve read “Top 10 Self-Limiting Beliefs,” you know these mental traps aren’t just about money—they mess with every part of your life. Then there’s “Limiting Beliefs Quotes Reveal the Secret to a Better You,” where I shared some info from folks smarter than me about breaking free. And in “Limiting Beliefs Examples and How to Identify and Overcome Them,” I laid out the playbook for spotting these buzzkills and kicking them to the curb. Today, we’re zeroing in on the green stuff—because if you’re honest, those limiting beliefs about money are probably why your bank account looks more like a ghost town than a gold mine.
So, what are limiting beliefs? Picture them as the annoying little voice in your head that says, “Nah, dude, you can’t do that,” even when you can. They’re the stories you’ve bought into—sometimes since you were a kid—about what’s possible for you. When it comes to money, they’re the chains holding you back from making and holding onto money and living the life you deserve. Let’s break it down and see what’s really going on.
Common Limiting Beliefs About Money That Hurt You
Alright, let’s call out some of these culprits. You’ve probably heard—or thought—at least one of these:
1. “Money is the root of all evil.” Nope, it’s not. That’s a misquote anyway. The Bible actually says “For the love of money is the root of all evil” (1 Timothy 6:10), which actually makes more sense. The good book also says “For wisdom is a protection just as money is a protection” (Ecclesiastes 7:12) which balances things out. So money’s just a tool. Therefore, worshipping it is unhealthy. But hating it is equally damaging. Ultimately, believing it’s inherently bad keeps you from using it with a clear conscience.
2. “I’m not good with money.” Translation: “I’m too lazy to learn.” Once again, false. If you can figure out how to rebuild a carburetor or grill the perfect steak, you can handle a budget.
3. “Rich people are jerks.” Sure, some are. But tying wealth to being a tool means you’ll subconsciously sabotage yourself to stay “one of the good guys.” I used to be crippled by this belief. I thought it was virtually impossible to make real money while being honest. But thinking in black and white absolutes will only narrow your ability to see the world as it truly is. Like making music, making money is a learned skill. You can make music that offends people or you can make music that heals. Likewise, you can make money by taking advantage of others or you can make money by helping others. The choice is yours.
“You can have everything in life you want, if you will just help other people get what they want.”
― Zig Ziglar
4. “I don’t deserve to be wealthy.” Oof, this one’s deep. Maybe you think you’re not smart enough, not connected enough, or just not “that guy.” Spoiler: you don’t need a silver spoon to eat well. You might also think that you are not good enough of a person to deserve success. This is a pernicious limiting belief. Even if it were true, there would be steps you could take to remedy the situation. If you see yourself in this thought, fill out the form at the bottom of this page and I’ll give you access to a tool to help you rebuild yourself and your self-esteem.
5. “There’s never enough money to go around.” Scarcity mindset, my friend. Some believe that wealth is a “zero sum game”. In other words, the world only contains a fixed amount of value and it’s all already owned by somebody so for one person to make money, someone else has to give it up. This is an absolute fallacy. Without going too deep into macroeconomics, suffice it to say that wealth is like a forest. Therefore, it grows over time and every seed planted contributes to its growth. If you start planting seeds, you are contributing to the overall growth of the forest or the market, as it were. The pie’s bigger than you think—you just gotta grab your slice.
The five examples above aren’t just random thoughts; they’re anchors dragging you down. And if you’re nodding along, don’t sweat it—we’ve all been there. The trick is recognizing them for what they are: Excuses your brain cooked up to keep you comfortable instead of thriving.
The Comeback King: Jim Carrey’s Money Mindset Shift
Take Jim Carrey—yeah, the Ace Ventura guy. Before he was raking in millions, Carrey was a broke Canadian kid with big dreams and a bigger problem: he didn’t think he’d ever make it. Early on, he had those same limiting beliefs about money we’re talking about—wealth was for other people, not him. But then he pulled a power move. In the late ‘80s, he wrote himself a check for $10 million, dated it for 1994, and stuck it in his wallet. He told himself he’d earn it by then. Crazy? Maybe. But it worked. By ’94, he was banking that much per movie, thanks to hits like The Mask. Jim didn’t just stumble into cash—he rewired his brain, ditched the garbage beliefs, and went all in. If Carrey can go from rags to riches by flipping the script, what’s stopping you?
Breaking the Chains and Building the Life You Want
Here’s the deal: those limiting beliefs about money aren’t facts—they’re habits. And habits can be broken. Step one? Call ‘em out. Next time you catch yourself thinking, “I’ll never get ahead,” hit pause. Ask yourself, “Says who?” Then replace it with something real: “I can figure this out.” It’s not about faking it ‘til you make it—it’s about training your brain to see what’s possible. Start small. Read a book on money management. Set up a side hustle. Or just stop blowing your paycheck on dumb stuff every Friday. Little wins stack up, and before you know it, you’re not just dreaming about that cabin—you’re framing the walls.
Want the full playbook? Go back and read “Limiting Beliefs Quotes Reveal the Secret to a Better You” right now. It’s packed with heavy-hitters who’ve been where you are and cracked the code to reprogram their minds. Turning those limiting beliefs into empowering ones isn’t magic—it’s a grind worth doing. You’ve got the tools; now use ‘em.
Your Move
So the ball’s in your court. If you’re tired of watching life pass you by while your wallet stays empty, it’s time to step up. Subscribe to the StopChilling newsletter below this post—I’ll hook you up with a free PDF of the “StopChilling.com Your Future Self Blueprint.” It’s a no-nonesense framework to size up your habits, figure out what skills you want to level up, and build a 12-month plan to make it happen. Fill out the form, grab the download, and let’s get to work. You’re not just here to chill—you’re here to build something epic. Let’s do this.
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