Five exercises to surface, examine, and rewire the beliefs that are shaping your financial reality right now.
Based on research by Klontz, Mullainathan, Shafir & Chetty
01 / Money Script Assessment
What is your money script?
Answer each question honestly — choose the response that feels most true, not the one that sounds best. There are no wrong answers. Your result reveals the unconscious framework running your financial decisions.
Question 01
When you think about having a lot of money, your first feeling is...
Question 02
When you receive unexpected money (bonus, gift, windfall), you most naturally...
Question 03
Your honest inner voice about wealthy people says...
Question 04
When someone asks what you earn, you feel...
Question 05
When you think about investing or growing wealth, you...
02 / Belief Origin Exercise
Where did your money story begin?
Every money belief has a source. These guided prompts help you trace yours — not to assign blame, but to separate inherited story from present truth. Take your time. Write without editing yourself.
Prompt 01
What is your earliest memory involving money? Describe it in as much detail as you can remember — who was there, what happened, and what you felt.
Prompt 02
How did the adults in your childhood talk about money? What phrases did you hear most often? What was the emotional tone of those conversations?
Prompt 03
Was there a financial crisis or moment of scarcity in your childhood or early adulthood that left a mark? What did you decide about money because of it?
Prompt 04
Complete this sentence without thinking: "Money is ___________." Now ask: where did that word come from? Who taught you that — directly or indirectly?
Prompt 05
If your childhood money belief were a character, what would it look like? What would it say to you every time you considered building wealth? Write it a short farewell letter.
Prompt 06 — The Reframe
Now write a new, evidence-based belief about money. Not an affirmation — a statement you can actually argue for, based on what you know to be true about yourself and the world.
03 / 30-Day Evidence Collection Tracker
Build your evidence file
Your brain updates beliefs through evidence — not willpower. Every day for 30 days, record one small win, one smart money action, and whether you reviewed your belief statement. Over time, this becomes your proof that a new story is true.
Win — any positive money moment, no matter how small
Action — one concrete financial behaviour you chose intentionally
DayWin todayAction takenBelief check
04 / Social Environment Audit
Who is in your financial orbit?
Raj Chetty's research showed that your social network is the strongest predictor of financial mobility. This audit helps you map your current environment honestly — and identify where you might deliberately expand it.
Name your 5 closest people. For each, briefly describe their relationship with money — how they talk about it, how they manage it, what they believe.
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Rate your current environment on each dimension (drag the sliders)
Financial optimism in my circle 5/10
Open money conversations (vs silence/shame) 5/10
People who actively invest or build wealth 5/10
Cross-class connections (people earning more than me) 5/10
Encouragement when I pursue financial goals 5/10
Where could you add one new voice to your environment? (a mentor, community, podcast, book club, peer group)
Is there a voice in your current circle that consistently reinforces scarcity or limits? What boundary or shift might help?
05 / Action Plan Builder
Your next 30 days
Small actions that contradict the old script are more powerful than large affirmations that confirm it. Set three micro-actions — one for each system you've now learned to interrupt.
Action 01 — Interrupt the scarcity loop
Tag this action
Why this matters (connect it to your belief)
Action 02 — Expand your environment
Tag this action
Why this matters
Action 03 — Compound a new belief
Tag this action
Why this matters
My commitment
Sign below to make this real. Your name is your first act of evidence collection.