What’s Your Money Mindset?


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Were your parents good with money? Were they bad with money? Was money a source of stress or anxiety during your childhood? Did your parents fight over money? Was money always hard to come by growing up? Was one parent in charge of making money? Was one parent in charge of spending money?

We all have a money mindset. This money mindset, or money blueprint, is generally forged during childhood.

What is your money mindset? 

  • Savings Mindset – Are you programmed to save money?
  • Spending Mindset – Are you programmed to spend money?
  • Earning Mindset – Are you programmed to make money?
  • Security Mindset – Are you programmed to protect what money you have?
  • Freedom Mindset – Are you programmed to see money as the path to freedom?
  • Anxiety Mindset – Are you programmed to see money as a source of stress and anxiety?
  • Negative Mindset – Are you programmed to see the pursuit or accumulation of money as a negative, bad or evil thing?
  • Positive Mindset – Are you programmed to see the pursuit or accumulation of money as positive, good or noble thing?

All changes in habits, thinking, behavior and emotions start with awareness. Awareness is the starting point for all changes in our lives. Most are hopelessly unaware of the habits, thinking, behaviors and the emotions which shape their financial lives. Until you first become aware, there is no hope for change and your life will remain unchanged.

Your financial problems are sourced to your mindset. Once you become aware of your money mindset and the source of your money mindset (typically parents), only than change is possible. 

Your money mindset can be an anchor, dragging your down into the financial abyss or it can be a rocket ship that allows you to soar to great heights. You were not put on this planet to struggle financially. All of your financial struggles are man-made. They are the product of your money mindset. Changing your money mindset is the key to financial freedom.

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Thomas C. Corley About Thomas C. Corley

Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night, due to a catastrophic fire that destroyed his Dad's thriving business. For fourteen years they struggled with poverty. There were eleven in Tom's family, and they lived in constant fear of losing their home.

Driven by the desire to unlock the secrets to success and failure, Tom spent five years studying the daily activities of 233 rich people and 128 poor people. He discovered there was an immense difference between the habits of the rich and the poor. During his research he identified over 300 daily activities that separated the “haves” from the “have nots.” Tom decided to write a book to share what he learned. That book, Rich Habits: The Daily Success Habits of Wealthy Individuals (1st Edition), went on to become an Amazon Bestseller in the United States forty times over a three year period. To give you some perspective, in order to be a true Amazon Bestseller in the United States, where you actually receive a specific Bestseller designation from Amazon, you need to be in the top 100 of all books sold by Amazon in the United States in a given day. Rich Habits did that for nearly thirty straight days, rising as high as #7, eclipsing such Bestselling authors such as Stephen Covey, Robert Kiyosaki and J.K. Rowlings. Imagine that - an unknown, first-time, self-published author selling more books than J.K. Rowlings!

Tom now travels the world, sharing his Rich Habits and motivating audiences at industry conferences, corporate events, universities, multi-level marketing group events, and global sales organizations’ presentations and finance conferences. He has even spoken on the same stage with famous entrepreneurs and personal development experts, such as Sir Richard Branson, Robin Sharma, Dr. Daniel Amen, and many others.

Tom has shared his insights on various national and international network, cable, and Internet television programs such as CBS Evening News, NBC News, Yahoo Financially Fit, Money.com, India TV, News.com Australia, and a host of others. He has been interviewed on many prestigious nationally syndicated radio shows, including the Dave Ramsey Show, Marketplace Money, and WABC.

Tom has been featured in numerous print magazines—such as Money magazine, Inc. Magazine, SUCCESS Magazine, Entrepreneur magazine, Fast Company magazine, More magazine, Epoca Magazine (Brazil’s largest weekly) and Kiplinger’s Personal Finance magazine—and various online publications, including USA Today, CNN, MSN Money, SUCCESS.com, Inc.com, and the Huffington Post. Tom is a frequent contributor to Business Insider, Credit.com, Bankrate.com and a few other media outlets.

National publicity has garnered international media attention for Tom and his Rich Habits research spanning 23 countries. Broadcast media, online publications, and television throughout Asia, the South Pacific, Europe, the United Kingdom, and Central and South America have shared his powerful message.

In an effort to help parents, grandparents, teachers and adults become success mentors to the younger generation, Tom released his second book, Rich Kids: How to Raise Our Children to be Happy and Successful in Life in 2014. This book was the self-help category winner of the 2015 New York Book Festival and Runner-up in the prestigious 2015 Writer’s Digest Self-Published Book Awards Contest. In 2016 Tom released his third book, Change Your Habits, Change Your Life. This book provides the latest science on habit change as well as more of Tom's unique research on the specific habits that helped transform 177 ordinary individuals into self-made millionaires.

Besides being an author, Tom is also a CPA, CFP, and hold a master’s degree in taxation. As president of Cerefice and Company, CPAs, Tom heads one of the premier financial firms in New Jersey.
Phone Number: 732-382-3800 Ext. 103.
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  1. Davene Meehan says:

    From a child, I remember having a small bank to place my money in. I remember getting a savings account with my dad and I loved watching the amount grow. However, I was shocked the other day when my mother some of her grandchildren some money and told them to spend all of it, this is not to be saved. So I am sure I have mixed money mindsets. My husband’s money mindset tends to come from watching his parents skimp and save and then have medical issues take everything away from them. I wanted to save and he wanted to spend before it was gone. We’ve come a long way since those first years and have come to a middle ground that includes a specified to spent as we wish and yet always an amount to be saved. We come from and are middle class.

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