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How Money Nerves Differ

People are wonderfully diverse, and each one of us has grown up with a unique set of life circumstances, which results in a slightly different version of money, how to use it, and what triggers your money nerve. How you live your life, make money choices, and get triggered by your money nerve is a direct reflection of how you were raised.

Here are two extreme examples of how money nerves differ from one person to another. Some people receive a big chunk of money, and since it was “free” — the sky is the limit, and they spend it all. This Don’t worry – Be happy attitude makes people feel great. I’m sure you will agree the “live for today” spirit is excellent, as long as the money lasts!

Others may get the same amount of money and worry. They envision that others may take their money, or be jealous, or fear they might lose the cash in the uncertain future. They deny themselves any frivolous spending, or are only happy when they see their bank account rise. Sometimes individuals will refuse to take vacations, only seeing money as protection against the future or unknown catastrophes.

What is Your Comfort Level?

We all have different needs. Your comfort level may be different from your siblings or your best friend. Because most of us fall between these two extremes of spending it all or being too frugal, we each have a different level of emotional and financial tolerance for us to be comfortable. Let’s take a quick look to determine what pinches your money nerve:

Do any of these phrases below pinch your money nerve? Yes or No?

Are you a spender or a saver?
Do you live for a fabulous dream vacation each year, or does the thought of spending thousands on a trip to the beach cause a headache?


Do you give financial donations to charities or prefer to volunteer?
Are you saving all your money to leave for the family when you die, or do you prefer to give money freely when it is needed today?


Do you give out of fear? Do you think people will like you better if you spend money on them? Or, on the flip side, do you save out of fear? The world is a scary place these days!
Do you always plan for the future, or do you feel lucky in that “life” will provide?

Begin to Explore and Question

Explore your past. This history is your story. No shame or blame! Examine what money habits are working for you or against you. Are these habits and beliefs serving today? Past money habits that make you fearful, ashamed, nervous, or anxious need to be explored. You want to make intentional choices that bring happiness, peace of mind, and build your fiscal confidence.

Begin to question the choices you are making when faced with money decisions. Knowing that your Money Nerve is an emotional, knee-jerk reaction to financial situations, let’s take a moment to face financial fears and take the first step to create a healthy relationship with money. Once you have defined what pinches your money nerve, you have the power to choose a new action. Take the Money Nerve Quiz here!

Face Your Current Situation to Move Forward


Embrace where you come from, but be prepared to take responsibility for your current situation. It is time to make adjustments in your work, set priorities for your personal life, and revise your mental attitude. When you reset your “mental GPS,” you know where you are and can create a practical path for reaching your new destination. You will make conscious, intentional choices, worry less about money, and create financial freedom for you and your family!