Money Talks

Updated: Apr 30

Some people will skip right over this article.

Others will cringe and reluctantly click because even though society has conditioned us to not talk about money, it's incredibly important that we do.

This conversation isn't a life hack, and it's not about getting rich quick.

This conversation is essential because, in it, we will unpack the what, where, and how around your conscious and unconscious beliefs when it comes to your financial health.

What Is Financial Health?

According to Investopedia, "Financial health is a term used to describe the state of one's personal monetary affairs."

So, what does that mean to you? I'll go first...

To me, financial health is important.

I choose to not live above my means. I know what is coming in, and I know where I am spending.

I want to ensure I am able to cover my needs and most of my wants. I manage my money well, but there is always room for improvement.

I choose to have my finances be a source of opportunity and pleasure, not stress.

Where Do My Attitudes & Values About Finances Come From?

When I grew up, we never discussed money because it was something I didn't have to worry about until... later. Flash forward decades later and I am >>here<< [aka later].

It was entirely up to me to finance my college education. I learned the hard way through accumulating credit card debt without understanding what it was really costing me, and I don't mean just in terms of dollars and cents.

Let me start by acknowledging I am privileged. I have never known food or housing insecurity, but I know that is a reality many people face every day.

When I talk about what living on credit really cost me, what I mean is that it cost me my peace of mind. It added unnecessary stress. If I would have always lived within my means from day one, I would have learned healthy financial habits, saved myself from unnecessary stress and anxiety and had a positive association towards money instead of a negative one.

How Do I Feel About Money?

This is the easiest question to answer, why? Because there is no wrong answer.

As I mentioned before, I used to associate money with negative things [greed, corruption, etc.], but as I dove into my attitude and beliefs around money, I realized that my perception had been based on my negative experiences.

Money was stressful because I felt like I never had enough of it.

Money was dangerous; I've seen it be mismanaged, and it was nothing but a headache.

Money gave me anxiety because I was uncertain about how it fit into my future.

So how do I feel about money now?

I've realized money isn't inherently good or bad. It's the way in which we choose to use it that can make it seem like it had moral value.

Money is a part of life. When I manage it responsibly, I can avoid feeling anxiety and stress because of it. Money makes the world go round. When my financial health is in good standing, I realize there is more than enough to go around [more on scarcity mindset another time].

When I take good care of my financial health and manage my money, it provides me opportunities to give back and empower others to have a healthy relationship with their finances as well.

Whew. That was a lot of unpacking over the course of a three-minute read.

What I'd like you to take-away from this conversation today is the ability to unpack your understanding of financial health.

There are 3 questions I want you to sit with, and answer for yourself:

1) What does financial health mean to me?

2) Where did those values come from?

3) How do I feel [fill in the blank] about money?

Thank you for staying with me until the end. Please click here to receive your own Financial Health Evaluation as a thank you and to start the process of setting yourself up for a healthy relationship with your finances.

Click here to make sure you never miss a post. Come for the content. Stay for the community.

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