How To Identify and Overcome a Money Block

Do you believe that money has always been something separate to you, that financial abundance is a distant dream reserved for a particular class of people? Perhaps you feel the universe is conspiring to separate you from your earnings (or lack thereof). Therefore, you live in fear, worry, and constant uncertainty about your finances.

Not a fun feeling.

If this sounds like you, you likely have a money block that causes you to push it away energetically. That’s why this whole money thing has been so elusive. On one level or another, you’re in a toxic relationship with money, so it treats you like a bad boyfriend. Unreliable, and never there when you need it.

A money block refers to any barrier you have towards receiving money. This barrier can be physical, mental, emotional, or energetic (and probably a combination of all the above). Money blocks usually come in the form of negative belief systems, mindsets, and feelings regarding money that hinder the flow of it.

If you want to live an abundant life where money simply flows, then you need to address this core block that may have been seeded long ago. This is what we’re going to dive into here. How can you identify a money block, and what steps can you take to resolve it?

Why Your Relationship With Money Matters

For as long as I can remember, I’ve had a turbulent relationship with money. Always enough to go around but never enough to feel secure.

Don’t get me wrong, I’ve never been poor. I grew up in a middle-class family. I’ve always had enough money to live a comfortable life, however, there has been a deep-rooted fear of running out that has certainly impacted the quality of my life.

To be transparent with you, I have not completely overcome my money block. It would be a lie to say money is oozing in from every angle (and out of every crevice), and that I feel abundant. But what I will say is that my relationship with money has improved a lot.

I may not have a lot, yet I have managed to live a nomadic lifestyle for the past 8 years, picking up odd jobs, regularly staying in cute apartments, and seeing beautiful places. My work-life balance is great, but there has always been a worry in the back of my mind.

‘When will the next paycheck come in?’

But it started when I was young. I remember feeling guilty for any money that was spent on me outside of food and necessities. Even though we were always okay financially, I remember my parents stressing about money.

My relationship with money changed as I started backpacking. This was both the best and worst choice I ever made. It has changed my life in incredible ways, but it hasn’t been good for my relationship with money, which is expected, I guess.

Sure, it’s my own lifestyle choice and I claim it, trading financial security for freedom. A perspective of scarcity believing I can have one or the other, which I’ll get into later. But this frame of mind didn’t help. As a money block is metaphysical, it will manifest in your life in different forms.

I’ve been robbed several times. I have lost many things. I am, today, still owed thousands of dollars from friends I helped out, employers who withheld my payment after I left, and even an employer who did a runner with all the teachers’ salaries (yes, I was one of them) during the pandemic, leaving dozens of teachers unpaid for months.

Sometimes when I’m getting ahead, I’ll be slapped with an unexpected fine, bill, or medical expense. Something will come out of the water at the seemingly wrong time to kick me back to the ground. I have seemed to be unfortunate with money (look, another limiting belief).

But this has been a process of learning. A process of seeing and understanding that if we don’t have a good relationship with money, the universe will find one way or another to point our attention to this block until we overcome it.

So, is the universe trying to keep us separated from money, or is it trying to teach us how to develop a better relationship with it? This is an important distinction because illuminating your struggles with money is the first step to developing a better relationship with it.

Do Money Blocks Correspond to Your Financial Situation?

Essentially, a money block sabotages your financial success as it’s an emotional, psychological, and spiritual barrier to financial stability. Often with money blocks, there is a deeper underlying issue that is energetic. Think of it as an energetic wound that hasn’t yet healed.

After all, we are magnets for our realities, based on factors like vibration. Money blocks impact your financial situation, but there is no direct correlation. Wealthy people may have money blocks. They may have accumulated a lot of wealth, yet hold a poverty mindset as if they’re still in survival.

Likewise, some people who have little at all may have no money block. They may live an abundant life without thinking about money or stressing about money. They know that they are supported by the universe, spend it generously, and there’s no bad energy surrounding money.

There is a metaphysical component to a money block. Something is out of tune with your energy, causing you to repel situations that bring in money. After all, currency is just some digits floating in a bank account. It’s not real, but the energy certainly is.

What keeps people poor is not their abilities, knowledge, or any other thing preventing them from being financially successful, although these can be contributing factors. More so, what keeps people poor is a block that they perceive to be who they are, so they never overcome it, believing that there is no other option besides poverty.

Of course, some people have advantages, some people have disadvantages. Someone raised in a wealthy, business-oriented family likely doesn’t have a money block as they were raised in a setting where money flowed, making it easy for them to step into this flow. Other people have to figure it out and start from ground zero, but it doesn’t mean they too can’t develop a healthy relationship with money, and thrive.

How Do We Develop Money Blocks?

The beliefs and ideas your parents had around money usually set the stage for your relationship with money.

Growing up, our minds are sponges, and we soak up the beliefs around us. Therefore, money blocks, in this sense, are often hereditary as an idea unconsciously seeded by the parent, and rooted in the child.

See, my dad grew up in poverty. His dad abandoned him at the ripe age of 2, and his mother was left to take care of 4 kids, supported by welfare.

Of course, being a caring kid, he took responsibility by helping out where he could, and cutting expenses where he could. He ended up doing fine for himself, currently retired and living a modest lifestyle. However, I feel I adopted some of these insecurities when I was younger.

This seed can spout into feelings of unworthiness or perhaps the idea that money is associated with feelings like stress and worry, so you begin to energetically push it away.

Of course, we must take responsibility for our lives. Blaming someone else will not help you resolve a block, but it is important to identify the influences in your life that may have contributed to this block. By identifying where this money block may have come from, we can see more clearly why we developed it, and take action to resolve it.

How Money Blocks Manifest

What you need to understand is that money is an energy. There’s a spiritual element to the transfer of money. There is a flow that some people are receptive to, and others shut themselves out from. It’s not about money per se, but rather abundance. Money is a tool (and only a tool) to help you create abundance in your life.

Therefore, a money block isn’t simply about the acquisition of money. This energy will manifest in all sorts of ways, impacting your life financially, either for the better or worse, in myriad ways. As you can manifest joy and abundance, you can also manifest barriers.

But how do you know if you have a money block?

Well, usually it’s quite easy to gauge your relationship with money. If it flows easily and you feel no obstacles are preventing it from coming into your life abundantly, then you likely don’t have a money block. Likewise, if you feel abundant, then you probably don’t have a money block.

But there’s a little more nuance to it. Sometimes, it can be difficult to know whether you have a money block. Therefore, we’re going to look at some ways that money-related situations manifest in your life with both a positive relationship with money (no money block) and a negative relationship with money (a money block).

Inspect Your Beliefs About Money

If you want to improve your relationship with money, you need to inspect your beliefs about money.

When I think about money, I often feel stressed. Deeper thoughts start rising to the surface, such as ‘What happens if I run out’, ‘How will I ever afford a house’, and ‘I will never make it in life’. Accompanying these feelings is a thick blanket of dense emotions.

Let me tell you, these beliefs, attitudes, and feelings certainly did not serve me. So you need to catch them when they pop up, knowing that they’re not going to do you any wonders.

What Feelings Do You Associate With Money?

Think about the feelings that arise when you think about money, work, or your financial situation. This is a good way to identify what you associate with money. Do any of the following emotions arise when you think about your financial situation or money in general?

• Fear, worry, or stress (you are scared that you may not make it)
• Shame (you feel ashamed of your financial situation and tend to hide it)
• Guilt (borrowing money from family or friends, not paying back a loan, taking more than you give, etc.)
• Jealousy (you compare yourself to others)
• Unfairness (you think the wealth gap is unjust)
• Resentment (believing wealthy people are generally greedy)

These are all low-vibrational energies, meaning they’re repellents for abundance. If low-vibrational energies arise when you think about money, then your relationship with money is low-vibrational = bad.

The aim of the game is to get to a stage where you experience high-vibrational energies when you think about money because these energies will begin to magnetize it. Energies you want to feel include gratitude, joy, love, compassion, generosity, and so forth.

What Negative Influences May Have Contributed to This Block?

Think about different experiences or circumstances that may have led to this money block. Dig deep and think about your past, and any situation that you can remember that may have drilled a negative association with money.

Here are some reasons why I may have developed this money block:

• Remembering my parents complaining about money
• Being bullied when I was a kid and being told I’m a loser
• Feeling guilty for ordering on the more expensive side when eating out
• Being rejected from many low-paying job offers that may have caused me to feel worthless
• Being robbed multiple times
• Being cheated by employers multiple times

Now you do the same, and try to identify why you may have this block.

What Limiting Beliefs Do You Have About Money?

Limiting beliefs are usually a major contributing factor to a money block. If you believe you are undeserving or not good enough, or that money is hard to come by, then this is the reality you’re going to manifest for yourself.

After all, we create our realities, and our focus plays a big role. Therefore, if you focus on limitations, hindrances, or blocks, these obstacles are going to become very real.

I want you to write down all of your negative beliefs and ideas about money that don’t serve you.

I’ll go first:

1. I’m not good at business (I used to tell myself this a lot)
2. I associated fortune with greed
3. I felt unworthy (This is one I still struggle with sometimes, feeling that I don’t deserve wealth and fortune)
4. I felt I couldn’t offer value in anything I did (believing I couldn’t add value to employers led to me throwing in the flag
5. I don’t need money to be happy

The latter is what I always told myself, not realizing that this mentality isn’t the shining beacon of spirituality I thought it was. Being on a spiritual journey, I would tell myself that I don’t need money, or that I don’t need money to be happy.

Okay, now that we have diagnosed where these money blocks lie, it’s time to do the work.

How to Change Your Beliefs Around Money

Now, let’s get to the most important stuff in this article. How can you overcome a money block? There are different techniques you can do such as journaling, meditating, and focusing on why you are holding yourself back from financial success.

But there are also strategies or a deeper underlying wound you probably haven’t looked at. Let’s look at various solutions and techniques to overcome your money block.

You Need to Work on Your Perception of Wealth

When I was living in the US, a friend of mine at the time told me something regarding abundance, and it stuck.

She said… “Daniel, instead of seeing yourself as an entity that is separated from wealth, see yourself as a part of it. Money is everywhere, all around us, look at all of these beautiful houses. Right now, we are surrounded by billions of dollars of wealth. Stop seeing money as an external thing to you, step into it, and feel that you’re a part of it.”

It took some time to understand what she was saying, but I began to see it. Now and then, like a pulse, I would feel as if I was connected to the wealth around me, that I was sharing the same land, resources, and scenery.

Offset-like epiphanies, I would feel connected to the wealth around me, almost like I’m adopting the feelings of the people who own these beautiful mansions. At times it would shift back and forth, connecting to the abundance around me, and then returning to separation.

This paradigm shift can be tricky to stabilize, but when I shift into this higher perspective, that’s when I feel abundant. I believe if I can maintain this state, reality will reach a state of congruency with this vibration of feeling connected to the endless wealth around me.

You Need to Work on Your Self-Worth

If you have a money block, I’m going to assume that you feel uncomfortable charging a reasonable price for a service you would be great at. You will always think about the competition, or that you’re not qualified enough, or experienced enough, or whatever excuse you tell yourself to avoid viewing your worth realistically.

Maybe you have a lot of experience and skills, but you still think you offer no value. And that’s really what it comes down to. Your beliefs about how much value you offer.

People with a healthy relationship with money may have near to no experience and not many skills, but somehow manage to charge a premium for their services and attract all the clients in the world. At first, when I saw people do this, I felt jealous, even resentful. I would get angry when people could create wealth so easily, while I felt much more qualified and struggled.

But then I began to see that it’s not about what they’re offering, or who they are. It’s about their relationship with money. These people have a good relationship with money because they feel deserving. Therefore, money will flow to them through any venture, and they will likely help a lot of people doing so. After all, the external condition matches our internal worlds. These people feel worthy, so that worth manifests into clients or customers.

But here’s the interesting thing, this is how it should be. Business should be easy. Making money should be easy. If you struggle more than you should, then these struggles are likely manifestations of a money block. Therefore, a core ingredient to transcend this money block lies in improving your self-worth.

Convince Yourself That Making Money Is Easy

While you hold onto the belief that money is difficult to make, it’s going to be difficult to make. That’s the reality you’re manifesting through this deeply ingrained belief system. Sometimes, I shift between two different frames of mind.

1. I get sucked into the idea of how hard it is to make money
2. I feel as if there are a million opportunities that I’m the perfect candidate for

I’ve noticed that there is a clear trend here. When I’m in a frame where money is hard to make, there’s too much competition, and nobody wants to hire me because I have nothing to offer, guess what?

I struggle even for the most basic, low-paying jobs. It’s like that frame of mind becomes the barrier, and creates a very real situation. But when this belief shifts. I think about all the different things I could do and genuinely believe that the employer would be silly not to take me on their team. Suddenly, opportunities seem to materialize out of thin air, and I get choice paralysis.

This is a very tangible shift in vibration and state of consciousness. All the best work opportunities in my life have materialized during this higher vibrational state.

So how can you shift your perception of life to see yourself as a valuable asset? How can you pivot your frame of consciousness to feel like the world is abundant in opportunities? Perhaps you can try to embody this state through meditation or by reflecting on the times in your life when you stepped into this flow of abundance.

Think about all the things you can do and the jobs you would be good at (even if you don’t have the education or training yet), and write them down. Continuously reinforce the idea that you’re the best candidate for these jobs, and encourage yourself to shift into this higher paradigm.

Change the Way You Feel About the Success of Others

Think about how you feel when other people seemingly put in much less effort than you, but get much better results.

Maybe it’s that person at work who doesn’t seem to do a whole lot but tends to be celebrated by the workplace. How about a competitor for your blog, YouTube channel, or other creative pursuit that is overtaking you?

How does this make you feel? The reason I ask is because it’s an important indicator of a money block. If you feel upset when other people get ahead, what is that telling you? You need to recognize these feelings of jealousy or envy and try to pivot toward feelings of… gratitude.

What you want to do is change this perception so that you can genuinely feel happy for the person, like you’re on the same team rather than a losing competitor. Yes, this can take practice, it can take patience. But the aim is to recognize when you feel this competitive sense rather than cheering on your fellow humans and vicariously basking in their success.

I created a YouTube video that delves into this topic in more depth which you can find here.

Change Your Energy Around Money

As with everything, vibration is a magnet. If your vibration around money is low – that is to experience dense energies such as fear, stress, or guilt, then energetically you act as a repellant. If your vibration is high where you experience positive energies around money, then you will attract more of it.

Likewise, when you pay something, do you feel a low vibrational energy or a high vibrational energy? Do you pay for things with gratitude and excitement, feeling happy to be exchanging, or do you feel worried that you’re losing money?

Of course, you need to put in the physical work and create the physical foundation to attract money, but without the right energy behind it, you’re casting a fishing net into a stagnant pond. You need both components to attract more money into your life, being:

• The physical foundation (if you have a lake abundant in fish but no net, money won’t flow in
• The right energy (if you have a net but no water, money won’t flow in)

Therefore, you need to create a system that allows opportunities to come in such as:

• Offer a service or have a website
• Apply for jobs
• Invest
• Network and talk to people
• Make yourself a presence on social media

But you need to make the abundance flow via your vibration so that opportunities can find you. Therefore, make sure money has a physical route to enter your life, then once the energy is right, it will find you.

Challenge Your Negative Beliefs About Money

If you want to move the needle, you need to constantly challenge your beliefs, and be aware when they come to the surface. As we explored earlier in this article, negative money beliefs can come in many different forms.

For example, if you begin hesitating when you’re about to buy something you want, acknowledge that feeling, realize it’s coming from a place of scarcity, and buy it. If you start feeling fear, think about why you’re feeling fear, and where that fear comes from.

Talk yourself through each money-related decision, and do it consciously. Verbally challenge yourself when you put up a barrier to money. Negotiate with yourself and justify why you deserve to come from a place of abundance.

This may require you to think logically and put some steps into place to alleviate those worries, or maybe you can shift the sensation by feeling into it and discarding it.

I find that meditation is your best friend here. When a negative belief starts surfacing, you need to go into it. Sit with it for as long as it takes, allow your mind to wonder, and you’ll find the emotion dissipates. Do this every time you feel overcome by emotion, and it will help you get out of that negative spiral. This is a game-changer for me. So try it yourself.

Start Visualizing a Good Relationship With Money

Have you ever noticed that people who don’t think about paying for something and just do it don’t tend to have issues with money? It’s the people who hesitate and overthink it, analyzing whether they need this, if they should allow themselves to splurge this time… and then feeling guilty when they do.

I find the best way to get out of the scarcity mindset is to visualize. As much as you can, envision what it feels like to receive a big paycheck, or have money coming in. Can you embody this feeling? What physiological symptoms accompany it? Would you feel a rush, a sense of relief, would you start jumping with joy?

Emotionally put yourself in the position of your future self when you are abundant. The purpose of this exercise is to mimic the feelings of abundance, which will start closing the gap between you and abundance.

Working on an exciting project that you enjoy and constantly thinking about its growth and success can help you get on the right track.

Work on Your Solar Plexus Chakra

Your solar plexus chakra is your center of power, confidence, and stability. Therefore, when this chakra is functioning optimally, people tend to feel secure in their lives. Often, issues around money are related to a blockage or issue with your solar plexus chakra. Your money block may be a direct or indirect manifestation of a blockage in this chakra.

The best way to see whether your money block is related to a chakra is to think about other associated experiences with this chakra, to gauge whether the money block is an anomaly (may not be related to the chakra), or if it fits the pattern.

As the solar plexus chakra is your sense of power, other qualities and experiences that are related to this chakra include:

• Sense of personal power and confidence
• Assertiveness
• Willpower
• Courage
• Sense of responsibility
• Sense of integrity
• Sense of purpose

As may be able to relate money and finances to these traits or characteristics. For example, you tend to feel more powerful and confident when you are doing well financially. Therefore, if you notice that some of these areas are also lacking in your life, there may be a connection.

How Can You Use Money in a Good Way?

Think about what you will do when you develop a good relationship with money. How can you use your wealth in a way that benefits everyone? How can you use money in a way that makes you want it?

My big dream is to buy some land and develop a holistic healing center. By doing so, I could help a lot of people, and it would give me a good sense of purpose. This mission anchors me and makes me feel good when I think about money. It overrides any negative feelings if I hold this vision because in this case, there is no downside to having lots of money where I can afford such a venture.

Let your imagination run wild because you need this focus if you want to overcome this money block. You need to see that having a good relationship with money is a good thing because you can use it in ways that benefit everyone.

Overcome the Money Block

Overcoming the money block can be a process, and you shouldn’t expect instant results, especially if the block is deeply rooted.

You need to work on all aspects of your consciousness that may manifest this money block, including physically (what can you do in the real world to improve your money flow), psychologically (what limiting mindsets are preventing you from acquiring money), emotional (what emotional barriers do you have towards money), and spiritually (what is the deeper cause preventing you from manifesting money?).

Tackle this block from every angle, and it will be a matter of time until you improve your relationship with money and see it flowing into your life in beautiful ways. Remember, everyone can be abundant, you just need to do the work.