May 21, 2026 · 20 min · 13 segments
How does your attitude towards money affect your current finances and shape your long-term financial wellbeing? And where does this mindset come from? From your spending and saving habits to how much…
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So I think it's really important to understand your money scripts, your attitudes to money, because whether you think you can or you think you can't is probably very true.
Our attitudes to money will influence how we spend, how we save, how we invest, how we tackle debt, if we tackle debt at all, and I do think, uh, it has a direct impact on the actions that we take, on our financial outcomes, our financial capabilities, so it's really important to understand your money scripts and attitudes to money so that you become in control.
What money lessons and scripts do we learn from the family around us and from the environment that we're in, and what impact does that then have on our relationship with money as adults?
When it comes to our financial cognizance, there's research that shows that from a really early age, around the ages of six or seven, is when we start to sort of think about these things and have understanding around our money and finances, and it could be those messages that you pick up.
If you grew up in a family that was quite anxious about money, maybe money was very tight, you might then have that feeling of anxiety-
If you grew up in a family that were okay with money, you may feel a little bit more relaxed about money, th- the ability to obtain money as well.
So I do think it's really important to analyze our background, so where we come from, where our mindset comes from as well when it comes to our finances.
That would be quite shocking, I think, to a lot of people, that they would be picking this stuff up when they're six or seven years old.
I grew up in a household that didn't speak about money at all, so I kind of had to navigate my way and, and think about it and find out myself, whereas some people may have grown up in households where money conversations were very free, open.
Maybe they were given some money to handle and play with as a child as well, and to budget.
So I do think, you know, whether you spoke about it or whether you didn't, it's quite good and useful to think about your financial kind of environment when you were younger.
And you touched on this already, but can we just tease out two different mindsets that might be particularly helpful if we want to understand this better, the scarcity mindset and the abundance mindset?
If you do any research around money mindset, and there are loads of quizzes and tests that you can go online and do just to understand yourself, there are all different types of, I guess, descriptions for these types of thoughts and feelings around money.
So I think it's really important to understand your money scripts, your attitudes to money, because whether you think you can or you think you can't is probably very true.
Our attitudes to money will influence how we spend, how we save, how we invest, how we tackle debt, if we tackle debt at all, and I do think, uh, it has a direct impact on the actions that we take, on our financial outcomes, our financial capabilities, so it's really important to understand your money scripts and attitudes to money so that you become in control.
What money lessons and scripts do we learn from the family around us and from the environment that we're in, and what impact does that then have on our relationship with money as adults?
When it comes to our financial cognizance, there's research that shows that from a really early age, around the ages of six or seven, is when we start to sort of think about these things and have understanding around our money and finances, and it could be those messages that you pick up.
If you grew up in a family that was quite anxious about money, maybe money was very tight, you might then have that feeling of anxiety-
If you grew up in a family that were okay with money, you may feel a little bit more relaxed about money, th- the ability to obtain money as well.
So I do think it's really important to analyze our background, so where we come from, where our mindset comes from as well when it comes to our finances.
That would be quite shocking, I think, to a lot of people, that they would be picking this stuff up when they're six or seven years old.
I grew up in a household that didn't speak about money at all, so I kind of had to navigate my way and, and think about it and find out myself, whereas some people may have grown up in households where money conversations were very free, open.
Maybe they were given some money to handle and play with as a child as well, and to budget.
So I do think, you know, whether you spoke about it or whether you didn't, it's quite good and useful to think about your financial kind of environment when you were younger.
And you touched on this already, but can we just tease out two different mindsets that might be particularly helpful if we want to understand this better, the scarcity mindset and the abundance mindset?
If you do any research around money mindset, and there are loads of quizzes and tests that you can go online and do just to understand yourself, there are all different types of, I guess, descriptions for these types of thoughts and feelings around money.
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