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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.

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. Don’t worry – Be happy! This “live for today” spirit is excellent, as long as the money lasts! Others may get the same amount and worry others may take it, be jealous, or fear the uncertain future. They deny themselves any frivolous spending, are only happy when they see their bank account rise, refuse to take vacations, and need money as protection against future or unknown catastrophe.

What is Your Comfort Level?

We all have different needs. Because most of us fall between these two extremes, we each have a different level of emotional and financial tolerance for us to be comfortable. Do any of these phrases below trigger your money nerve?

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 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 financial aid when it is needed?
Do you give out of fear – people will like you better if you spend money on them, or do you save out of fear?
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.

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!

If you liked this post, check out our Ultimate Guide to Financial Freedom.