?? The Invisible Chains of Money ??

?? The Invisible Chains of Money ??

Have you ever noticed that no matter how much you earn—whether it’s a raise, a bonus, or even a new job or a new business—it still feels like it’s never enough? Maybe you tell yourself, “This time, things will be different,” but somehow, you end up in the same spot, wondering why you’re back at square one.

I’ve been through it more often than I care to admit. Despite earning more than I used to and being meticulous with money (a professional habit), I still struggled—struggled to save, invest, or even spend without a constant weight on my mind. I spent countless hours reading books, attending courses, listening to money gurus and mentors, and searching for the missing piece. And then, bit by bit like in a puzzle, it finally hit me:

It’s not the rising cost of living. It’s not inflation. It’s not even the paycheck.

The truth? It's us.

Now, before you close this thinking, “not another self-blame lecture,” hear me out.

Most of us are stuck in a financial loop—repeating the same patterns—because we’ve internalized certain beliefs that we’re prisoners of our circumstances. We’ve unknowingly chained ourselves to the idea that our financial situation is something external, beyond our control. But the real prison? It’s the invisible stories we tell ourselves about what we’re worth and what’s possible for us.


The Real Question Isn’t About Money—It’s About Power

Money has always been about more than transactions. It's about what it represents: security, freedom, status, or love. But what happens when we’ve handed over our power to it? When our sense of worth, stability, and even happiness are tied to something as unstable as…a number?

For most of us, our financial challenges are not just practical—they’re deeply psychological. The truth is, we often use money to bandage emotional wounds.

  • When we feel unworthy, we spend more to prove we’re worth it.
  • When we feel insecure, we save obsessively to feel safe.
  • When we’re overwhelmed by life, we procrastinate because deep down, we’ve accepted that “struggle” is our default setting.

I used to think money was the problem—that if I just had more, things would be better. But here’s what I learned:

When we tie our self-worth to money, we give it the power to control how we feel about ourselves. We believe that a number on a screen defines our success, our freedom, and even our happiness.


The Biggest Lie We Tell Ourselves About Money

The biggest lie we tell ourselves is: “More money will fix my problems.”

But here’s the gut punch: It won’t. It never has, and it never will. Why? Because money doesn’t change who we are; it just amplifies what’s already inside us.

If we’re drowning in fear, scarcity, or avoidance, no amount of income will save us. We can’t out-earn a scarcity mindset. So, if you’re operating from a place of fear or feeling "less than," those invisible chains stay on, no matter how much you earn.


Here’s Where It All Changes

What if, for a moment, you stopped thinking about money as a problem to solve and started thinking about it as a mirror? It reflects:

  • what you believe you deserve,
  • what you think is possible for you,
  • and—most importantly—how much control you believe you have over your life.

Real financial freedom doesn’t begin with spreadsheets, savings, or investing. It begins with shifting those deep-seated beliefs about what you deserve.

Until we challenge the way we think about money, no amount of financial gain will ever feel like enough.


What Are The Uncomfortable Shifts

Stop living in survival mode. That was the hardest for me (and sometimes still is). We’ve trained ourselves to settle for "just enough": just enough to pay the bills, just enough to get by, just enough to keep our heads above water. But this mindset is a trap. You're worth more, and until you actually believe it, no budget will free you.

Examine your emotional spending triggers. Spending isn’t just about buying things. It’s about what those things represent—status, love, distraction, or validation. Every time you spend, ask yourself, What am I really paying for? Are you numbing an emotional wound, chasing acceptance, or avoiding reality? Every purchase is a response to how we feel.

Challenge your comfort zone. Most people never break free financially because they’re comfortable with discomfort. They’ve convinced themselves that debt, financial stress, and uncertainty are just part of life. But ask yourself: Is this really the life I want to keep living? Is this the only way for me? To break the cycle, you have to get uncomfortable—challenge the way you’ve always done things and be willing to step into the unknown.


Every time we say, “I can’t afford this” or “I’ll never have enough,” we’re reinforcing the walls of our financial prison. But each time we raise our standards and stop settling for “just enough,” we get the power back to unlock the door to a better future.

So, here’s a question: What would happen if you believed that you’re worth more than financial survival?



Kirk Stencell, CPA

Accountant | Sharing actionable insights to help build money momentum and conquer your finances.

4 个月

Great newsletter! Shifting from a scarcity mindset to one of abundance is key. Money should be a tool, not a measure of our worth.

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