How to Heal Your Relationship with Money Without Hustle: What A Money Mindset Coach Wants You to Know

Your relationship with money impacts the way you think, feel, and behave with money—and how you make financial decisions.

It shapes our lives more than we usually acknowledge. 

This relationship, often referred to as your money mindset, influences:

• The jobs you pursue

• Where you choose to live

• The hobbies you invest in

• Even the people you surround yourself with

Money mindset touches nearly every aspect of your life, because money, whether we like it or not, is in everything.

Healing your relationship with money can be one of the most powerful things you do for your finances and your life. The best part? You don’t need to hustle to get there. As a money mindset coach, I’ve seen hundreds of women transform their relationship with money, including my own! A scarcity money mindset kept me in jobs that drained me and made me miss out on life experiences in an effort to pinch pennies (still have Cancun FOMO seven years later).

Now, I work for myself, spend in alignment with what matters to me, and sleep peacefully at night.

Here’s my 3 step process to healing your relationship with money (from a Money Mindset Coach):

1. Understand

2. Expand

3. Rebrand

Step 1: Understand How Your Money Mindset Formed

When and where did you develop the financial beliefs that you hold today? Hint: Likely your childhood. 

Most people can recall a defining moment when they first became aware of money. Whether positive, negative, or somewhere in between, these early experiences begin shaping your financial beliefs.

Examples

• Got something you really wanted? You may have learned, "Money gets me what I want." (Mine was ‘Moon Shoes’ as seen on TV)

• Heard arguments about bills? You might believe, "Money causes stress."

• Worked hard for allowance? You may think, "Money must be earned through hard work."

Understanding your money mindset is the first step toward healing it. Because these beliefs develop so early, they can go unnoticed for years. Use these reflection questions:

• What’s my earliest memory involving money?

• How did the adults in my life handle finances?

• What did I learn from them—spoken or unspoken?

• What do I believe about money today, and where did that belief come from?

• Does that belief support or sabotage my finances and life?

Phew! This self-inquiry can feel heavy—take breaks as needed. In the meantime, begin noticing how your current financial decisions reflect these old beliefs.

Step 2: Expand What’s Financially Possible

Usually our money mindset is a result of how we grew up, as we just unpacked. To shift these old beliefs, you must expose yourself to new ones. That means expanding your idea of what’s financially possible.

If you’ve only ever seen financial struggle, it’s hard to imagine ease. But it’s out there. The second step is finding expanders—people who show you a different way.

If you have a rich auntie, or a corporate bestie, or secretly wealthy neighbor living their best life, watch them. Listen to the way they speak about money. Watch the way they handle their finances. Be open to the idea that what you believed about money up until this point, doesn’t have to to be true and use these people as proof. 

The key here is to find someone that you can relate to. Anyone with access to the interest can see that extreme wealth is ‘possible’, but that does little to help change our mindset. Sure, Jeff Bezos is a billionaire, but he doesn’t look like me, he doesn’t have a similar background to me, and I just don’t feel connected to him in any way. He’s not a good expander.

My best friend’s friend who makes $240,000 a year, however, she’s a real person with two cats just like me. I can relate to her, and in doing so I realize aiming for that type of income isn’t crazy! She makes a great expander.

Money Expander Challenge:

• Think of a belief you want to shift. Example: “I can’t earn more without burning out.”

• Identify people who defy that belief.

• Follow them online. Spend time with them. Pay attention to how they talk about money. No need to even bring up money—just observing is powerful.

Step 3: Rebrand Your Money Beliefs

Once you’ve seen what’s possible, it’s time to rewrite your own money story.

Choose new beliefs that serve your financial life. Examples:

• "I can earn more doing what I love."

• "I can save for the future and enjoy the present."

• "Debt doesn’t define me—I can pay it off in a sustainable way."

Write your new financial beliefs down! Bonus points: Post it on the bathroom mirror, or somewhere you’ll see it.

But here’s the thing… it must be believable! If you go from, “I’m terrible with money” to “Money flows to me effortlessly,” it may feel fake. It’s like the financial version of spiritual bypassing–it might feel good for a moment, but does very little in the long run. So aim for neutrality. 

Things like, “I am learning to manage money well,” or “I can grow my income over time,” are actionable and achievable. They’re hard to not believe. Incremental believable changes will add up faster than trying to swing to the far extreme.

So if you are doing Steps One and Two, but Step Three: Rebranding never seems to click, check: are you aiming too far from your current beliefs? Scale it back. Find smaller goals that feel doable, until they are your default thinking system towards money. 

Then, rinse and repeat.

Final Thoughts: Your Money Mindset is a Lifelong Practice

Your personal finances will evolve, and so will your money mindset. You’ve been shaping your beliefs since childhood; rewriting them will take time.

But healing doesn’t have to be a hustle. It’s a cycle of understanding, expanding, and rebranding. Again and again.

You can do this gently. You can do this in your own time. And you don’t have to do it alone. That’s what a money mindset coach is here for.

Learn more about financial coaching, schedule your FREE discovery call now!