🧠 What’s Your Money Belief? How Beliefs Shape Financial Wellness

At FinFit, we believe financial wellness isn’t just about numbers—it’s about mindset. Behind every budget, spending habit, or savings goal lies a deeper story: your money belief.

A money belief is a set of unconscious ideas about money, often shaped in childhood and passed down through generations. These beliefs can quietly influence how we earn, spend, save, and even talk about money. And sometimes, they hold us back.

🔍 The Four Money Beliefs Identified by Experts

In a groundbreaking study published in the Journal of Financial Therapy, researchers Klontz, Britt, Mentzer, and Klontz developed the Klontz Money Belief Inventory to help people uncover hidden financial patterns. They identified four core belief types:

• 💸 Money Avoidance Belief: “Money is bad” or “I don’t deserve money.” Behavior: Avoiding financial decisions, undercharging, or giving away money impulsively.
• 🛐 Money Worship Belief: “More money will solve all my problems.” Behavior: Overspending, workaholism, or chasing financial windfalls without long-term planning.
• 👑 Money Status Belief: “My self-worth equals my net worth.” Behavior: Compulsive buying, secrecy, or comparing financial success to others.
• 🔐 Money Vigilance Belief: “Money should be saved, not spent.” Behavior: Frugality, budgeting, and financial secrecy—sometimes to the point of anxiety.

These beliefs were found to correlate with income, net worth, and even relationship dynamics. Understanding them can be a game-changer for your financial health.

💬 Why This Matters for Your Financial Journey

Recognizing your money belief is a powerful first step toward financial clarity. At FinFit, we help you rewrite limiting beliefs and build habits that align with your goals—not your fears.



Whether you're launching a side hustle, managing debt, or planning for retirement, your mindset matters. That’s why our tools, classes, and coaching go beyond spreadsheets. We help you explore the “why” behind your money moves.

✨ Ready to Rewrite Your Belief?

Take a moment to reflect:

• Do you feel guilty about earning more than others?
• Do you believe money will finally make you happy?
• Do you avoid talking about finances with loved ones?
• Do you equate success with income?

If any of these resonate, you’re not alone—and you’re not stuck. FinFit is here to guide you with empathy, strategy, and a fresh perspective.

Reference: Klontz, B., Britt, S. L., Mentzer, J., & Klontz, T. (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory. Journal of Financial Therapy, 2(1), 1. Read the full study.

Curious about your money mindset?
Take our quick quiz to discover which money belief shapes your financial habits. Understanding your belief is the first step toward building a healthier relationship with money—and unlocking your financial potential!

Ready to find out where you fall?

Take the Money Belief Quiz Now!

We’d love to hear from you!
After you take the quiz, share your results with friends or colleagues and join the conversation using #MyFinFitMoneyBelief. Your story could inspire someone else on their financial journey!

Let’s stay connected!
Come join our welcoming community on Facebook at FinFitFam. Share your experiences, ask questions, and get support from others who care about financial wellness. We can’t wait to meet you!