Money, Mindset, and the Women Who Master It
Money. Just saying the word out loud can feel… weird, right? Some women cringe at it, others chase it like it’s the last designer handbag on clearance. And then there are those rare, almost mythical creatures—the ones who own it, who treat money like an old friend they always expect to show up.
Here’s the thing: wealthy women—at least the ones who stay wealthy—don’t think about money like the rest. They don’t fear it. They don’t worship it. They certainly don’t pretend it doesn’t matter (because let’s be real, it does). Instead, they cultivate a relationship with it. An open, honest, no-nonsense relationship.
And the good news? You can, too. You don’t need to be born into wealth, win the lottery, or magically wake up with an MBA in finance (although, wouldn’t that be nice?). It’s all about shifting how you think, which changes how you act, which—spoiler alert—changes your financial future.
The Psychology of Money (And Why Your Brain Is Probably Lying to You)
If you’ve ever caught yourself thinking, “I’m just not good with money,” congratulations—you’ve been scammed. Not by your bank. Not by that shady crypto bro who tried to get you to “invest” in some digital nonsense. But by your own brain.
Psychologists call it confirmation bias—your mind actively seeks proof of what it already believes. If you think money is hard to earn, you’ll subconsciously avoid opportunities to make more. If you believe investing is risky, you’ll only notice stories about people losing everything, never the ones who built empires from the same exact market.
How Wealthy Women Outthink the Average Person
- They question their financial beliefs constantly. (“Is this actually true, or did my broke uncle tell me this at Thanksgiving?”)
- They make data-driven money decisions. (Numbers don’t lie. People do.)
- They separate emotion from finance. (Impulse shopping doesn’t count as self-care, no matter how cute that dress is.)
Your thoughts create your reality—especially when it comes to money. Change the thoughts, change the reality.
Scarcity vs. Abundance: The Battle Happening in Your Head
We’ve all heard of the “scarcity mindset,” right? It’s that nagging feeling that there’s never enough—never enough money, never enough time, never enough you name it. It’s what makes people hoard coupons like the apocalypse is coming or stay in dead-end jobs because “at least it’s secure.”
Wealthy women? They don’t play that game. They don’t cling to pennies in fear of losing dollars. Instead, they lean into abundance.
Ways to Train Your Brain for Abundance
- Celebrate money, even the small wins. Got a $10 refund you weren’t expecting? That’s money flowing to you, not away.
- Invest in knowledge, not just assets. A book that changes your mindset is worth more than a stock tip you don’t understand.
- Hang out with people who think big. Because mindsets are contagious.
It’s not about magical thinking—it’s about training yourself to see opportunities instead of obstacles.
(Also, just putting this here: if you haven’t started journaling your money thoughts, now is the time. The One Day at a Time Journal is basically a reset button for rewiring your brain. But more on that later.)
Rich Women Play Offense, Not Defense
Most people think being “good with money” means cutting back. Save. Budget. Spend less. While that’s not wrong, it’s also… exhausting? If all you do is shrink your expenses, your life shrinks too.
Wealthy women? They focus on expansion.
- Instead of only saving, they invest.
- Instead of just working, they create multiple income streams.
- Instead of cutting lattes, they figure out how to afford lattes without stress.
Money is a tool, not a prison. And a good offense is better than a lifetime of financial defense.
Why You Should Absolutely, Definitely Take More Risks
Women are conditioned to play it safe with money. Keep it in a savings account. Avoid the stock market. Don’t start that business—what if it fails?
Meanwhile, rich women are making moves.
How to Take Smarter Risks
- Start small. Invest $50 in a stock instead of blowing $50 on a dinner you won’t remember.
- Educate yourself first. No one is “bad” at investing, they’re just uninformed. That’s fixable.
- Stop assuming you’ll fail. You’ve succeeded at something before. Money is just another skill.
Financial Discipline: The Sexy Secret No One Talks About
Everyone wants to be rich. Few people want to be disciplined. But here’s the truth: no amount of money can outpace bad habits. If you spend recklessly at $50k a year, you’ll do the same at $500k.
How to Develop Financial Discipline
- Delay gratification. (No, you don’t need that Amazon order right now.)
- Create money rituals. (A Sunday finance check-in? A “pay myself first” rule? Yes, please.)
- Write it down. (One Day at a Time Journal, anyone?)
Rich women aren’t rich because they’re lucky. They’re rich because they respect money.
Your Network = Your Net Worth
Success is never a solo act. The wealthiest women in the world? They’re not just smart—they’re connected.
Ways to Upgrade Your Money Circle
- Find a mentor. Someone who is where you want to be financially.
- Join financial communities. Facebook groups, local meetups, online mastermind sessions—connect with others who get it.
- Cut out financial negativity. If your friends only complain about money, it’s time to expand your circle.
You don’t need to be in the same tax bracket as wealthy women to learn from them—you just need to be in the same room.
Final Thoughts (That Might Make You Uncomfortable)
You don’t have to be a genius to build wealth. You don’t need a finance degree. You don’t even need to be good at math.
You just need:
- A different mindset (because thoughts drive actions).
- Better habits (because discipline beats motivation every time).
- The willingness to play bigger (because staying small isn’t safe—it’s just familiar).
2025 is here. The economy is shifting. Opportunities are everywhere. The question isn’t if you can change your money mindset—the question is when you’re going to start.
And if you’re serious? Get a journal. Track your habits. See what shifts. One Day at a Time isn’t just a journal, it’s a life-changer.
