10 Money Affirmations That (Really) Work

This article was originally published by Joe Craft at Crafted Finance.

Affirmations can have a hokey feel to them. When it comes to accomplishing anything in life it takes more than just a “positive money mindset.” That said, there’s a tremendous difference that can be made in your financial life by being open and receptive to a new set of beliefs.

Below, we’ve compiled a list of 10 money affirmations that actually hold weight. Believing in the following statements really does lay the groundwork for you to take control of your future.

1) “My Financial Well-Being Is A Top Priority In My Life.”

Thinking that your financial health truly is a top priority sets the tone for a prosperous life. It’s a foundational belief that drives success and fosters a mindset geared towards resilience, growth, and continual improvement. Over time, your skills in managing and growing your wealth will only get sharper.

Prioritizing your financial well-being means more than just focusing on savings or investments. It’s about nurturing a holistic approach to finances. It involves budgeting, goal setting, understanding, and adapting to new financial realities. By keeping your financial health at the forefront, you ensure that every decision you make considers and monetarily supports your values.

2) “Being Good With Money Is Simple.”

Most things in life, while not always easy, are fairly simple. Being good with money is no exception. You don’t need intricate strategies or “hidden secrets.” Substantial wealth can be built by simply following a few basic principles over a long enough time horizon. These include:

Understanding Where You Are: This involves a clear assessment of your current financial situation. It’s about knowing your income sources, understanding your monthly expenses, and being aware of your debts and assets. It’s like taking a snapshot of your financial health, including your credit score, savings, investments, and any other financial obligations or resources. This step is crucial as it provides a solid foundation for making informed financial decisions.

Knowing Where You Want To Go: This step is about setting clear, achievable financial goals. It could be short-term goals like saving for a vacation, or long-term goals such as retiring by a certain age. This also involves understanding what kind of lifestyle you want in the future and what it will take financially to achieve it. Whether it’s owning a home, funding your children’s education, or building a retirement fund, knowing your destination is key to plotting a successful financial journey.

Living On Less Than You Make: This principle is the cornerstone of good financial health. It means consistently spending less than your income, which helps in avoiding debt and building savings. It’s about creating and sticking to a budget that categorizes and prioritizes your spending, ensuring that your essentials are covered while also saving for the future. This might involve cutting unnecessary expenses and being mindful about your purchasing decisions.

Developing The Right Savings Habit: This is about consistently setting aside a portion of your income for savings. It’s not just about how much you save, but also how regularly you do it. This could involve automating your savings, so a portion of your income is directly transferred to a savings or investment account. It’s about making saving a non-negotiable part of your financial routine, much like paying bills.

Following A Tailored Financial Plan: This involves creating a financial plan that is specific to your goals, circumstances, and risk tolerance. It’s not a one-size-fits-all approach but a personalized strategy that could include a mix of savings, investments, insurance, and debt repayment plans. It’s important that this plan is flexible and adaptable to changes in your life circumstances and financial goals.

3) “I’m Grateful For What I Have Now.”

Being grateful for your current financial situation is more than a feel-good mantra; it’s a strategic mindset for long-term prosperity. Gratitude plays a key role in building wealth and the ability to attract money.

It also encourages better money management. When you value what you have, you’re more inclined to take care of it. This can translate to making more thoughtful spending choices, saving diligently, and investing wisely.

Gratitude fosters an abundance mindset. It shifts your focus from what you don’t have to the opportunities and assets you do have. This outlook is the one that opens doors to better financial choices and prospects.

4) “There Are So Many Ways To Earn More.”

The most powerful force in building wealth is your income, and there’s virtually a never-ending stream of opportunities to increase it. The digital age has revolutionized how we earn and learn.

There’s more free information on entrepreneurship, side hustles, sales training, professional development, remote work opportunities, passive investments, and alternative careers that may interest you than could consume in 10 lifetimes.

Don’t think you can’t be a money magnet…

  • You can learn new skills.
  • You can sharpen your existing skills.
  • You can apply for new positions.
  • You can negotiate for a raise.
  • You can start your own business.

No, not all the information out there is high-quality. Yes, some of it actually is too good to be true. But neither of those points negates the fact that there are more ways to increase your income with integrity than have ever existed before. You’re worthy of making more money and there’s a ton of ways to do so.

5) “It’s More Than Possible To Become A Multi-Millionaire.”

Achieving financial freedom isn’t just a dream; it’s a realistic goal with the right strategy. Let’s take a practical example…

Suppose your household earns an income of say, $80,000 annually. By consistently investing 10% of this income annually, you’re setting your family on a path where plenty of money flows towards you, not away.

With $8,000 invested yearly with an average return of 8.5% in the market, what happens over time? Well if you started at age 26, you’d reach over $2 million by the rule-of-thumb retirement age of 65. It’s all about the power of compounding interest!

Granted, inflation will need to be taken into account. But the above example holds your household income as completely stagnant for almost 40 years, which is highly unlikely. It also assumes a lower-than-average market return (the S&P 500 is benchmarked closer to 10%). An increase of 1.5% would make a drastic difference over the same time horizon (about $1.3 million!).

Simply put, wealth and abundance grows over time. The more you invest, and the higher the return, the more your supply of money expands. Proper investing isn’t a quick-rich scheme, but a steady, proven path to wealth. Stay positive and focused. Achieving multi-millionaire status is more than possible; it’s within your reach with the right mindset and actions.

6) “I Can’t Wait To Help Other People With My Money.”

Every dollar you earn isn’t just for you; it’s potential help for someone else. This isn’t just noble; it’s smart. Why? Because focusing on financial success as a means to aid others fosters a more powerful drive within you. It’s about more than numbers in a personal bank account; it’s about impact.

Your money has the ability to radically change the lives of others.

  • You can pay for groceries, utility bills, and college funds.
  • You can help pay for life-saving operations and cancer treatments.
  • You can help those who are unfortunately unable to help themselves.

Having big reasons outside of yourself to earn more, be it charity or family, creates an intrinsic motivation that’s hard to shake. Get excited to help others with your prosperity. They need it!

7) “Learning About Finance Is Empowering.”

Let’s face it, just the mention of some financial topics is enough to put most people to sleep. Tax accounting, estate planning, required minimum distributions, grantor retained annuity trusts…

Have we lost you yet?

Most people view financial topics as a boring slog to get through for the sake of “adulting” properly. But it doesn’t have to be this way. You can leave a lot of the technical jargon to the pros (see affirmation number 10). And when you start having a financial plan tailored specifically to you and your vision of the future…

You’ll experience a shift in feeling.

Learning how to develop a savings plan that supports you, your children’s futures, and those dream vacations makes everything that much more real. Understanding that you’re working an investment plan that’s compounding to create an income where you’ll never need to work again produces an empowering surge of energy.

Approach learning about finance with curiosity and enthusiasm. It really is a path of liberation, where each new piece of knowledge equips you to make more informed decisions. Future you will be thankful you took the time.

8) “Uncertainty, Anxiety, And The Unexpected Are All Part Of The Process.”

In the road to financial abundance, encountering uncertainty, anxiety, and unexpected events is perfectly normal. However, in affirmation land,  it’s easy to start believing that these feelings or any negative thoughts are a sign of “failure”. However, the truth is quite the opposite. Acknowledging and expecting these elements as natural components of your financial journey is freeing.

Adjusting your expectations to anticipate these challenges is a key skill. It prepares you mentally and emotionally to face them head-on. By understanding that these experiences are common, you can develop strategies to manage them more effectively. This approach prevents them from derailing your retirement savings or investment strategies.

Learning to navigate through uncertainty and anxiety builds resilience and equips you to make sound decisions, even under stress. Remember, these feelings are stepping stones. Each one is an opportunity to learn, grow, and become more adept at managing your financial well-being.

9) “I Can Be Well-Prepared To Deal With The Unexpected Financially.”

With the right plan and intentional actions over time, you can establish comforting and reassuring financial protections. Building an emergency fund that covers 3 to 6 months of living expenses should be a priority. This fund acts as a safety net, buffering you against life’s unforeseen financial shocks, like sudden job loss or health issues.

In parallel, choosing the right insurance coverages—life, disability, property, and casualty—is critical. These insurances protect different aspects of your life, ensuring you’re comprehensively covered. It’s not about instant fixes but about gradually implementing a plan that fits your budget and needs.

By consistently working towards these goals, even in small steps, you lay the groundwork for a secure financial future. This approach brings not just financial stability but also peace of mind. Knowing you’re prepared for the unexpected allows you to focus on your aspirations without the looming worry of financial emergencies.

10) “I Don’t Have To Approach Financial Freedom On My Own.”

Trying to handle all of your financial needs alone can feel overwhelming. It’s important to understand that you can get a fully-capable team in your corner. Achieving financial freedom is a journey best navigated with experts by your side, including:

Financial Planners: These professionals are your strategic partners in wealth building. They help you create a comprehensive plan that aligns with your financial goals and risk tolerance. A financial planner can guide you in budgeting, saving, investing, and planning for retirement. They’re essential in turning your financial goals into a clear, actionable roadmap.

Investment Advisors: Investment advisors specialize in managing your investment portfolio. They provide insights into which stocks, bonds, or funds align with your financial objectives. Their expertise is crucial in maximizing your returns while minimizing risks. They keep you informed about market trends and help you navigate the complexities of investing.

Accountants: Accountants are key when it comes to taxes. They ensure that you’re not only compliant with relevant laws but also taking advantage of any annual savings opportunities. Their knowledge can be invaluable in making sure your financial decisions are tax-efficient. They can also collaborate with your financial planner/investment advisor to form a powerful tax savings team.

Estate Planning Attorneys: Estate planning attorneys help protect your wealth in the long term. They assist in drafting wills, setting up trusts, and planning for estate taxes. Their services are crucial in ensuring your wealth is protected and transferred in the way you see fit.

Money Affirmations That Work Have The Right Help Behind Them

At Crafted Finance, we’re believers in making financial dreams concrete. We understand that positive affirmations are more than just statements; they are fuel for a mindset that can catalyze real financial growth and stability. Our commitment is to help you transform these affirmations into tangible results. With our expertise in financial planning and investment advisory, we’re here to guide you every step of the way.

But we don’t stop there. We recognize the importance of a comprehensive approach to financial well-being. That’s why we offer access to our network of seasoned professionals, including accountants and estate planning attorneys, who can work alongside us to ensure all aspects of your financial life are harmoniously aligned. If you already have trusted professionals, we’re ready to collaborate with them too.

Are you ready to build a relationship with a team that understands your aspirations and works tirelessly to help you achieve them? Then let’s turn your financial affirmations into a reality. Schedule a call with us today to start crafting your financial future with confidence and clarity.



The information on this site is not intended as tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. The information on this site should not be relied upon for purposes of transacting in securities or other investment vehicles. The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, Western Washington Financial Advisors Network (WWFAN) disclaims all warranties, express or implied, including, but not limited to: implied warranties of merchantability, non-infringement, and suitability for a particular purpose. WWFAN does not warrant that the information will be free from error. Your use of the information is at your sole risk. Under no circumstances shall WWFAN be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the information provided on this site, even if WWFAN or a WWFAN authorized representative has been advised of the possibility of such damages. Information contained on this site should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized. The information being provided is strictly as a courtesy/convenience. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. WWFAN is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technology, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for use of the websites you are visiting. WWFAN does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to WWFAN’s website or incorporated herein, and takes no responsibility thereof.

Ready to Get Started?

Contact us today to get started on the process. If you have any questions we will be more than happy to advise.

Posted in


Get in Touch

If you have a question or would like to discuss our products or services feel free to get in touch.