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We’ve all heard the money myths that swirl around like bad gossip at a high school reunion. Some of these myths might sound good on paper (or in memes), but in reality, they’re holding you back from the financial freedom you deserve.

As your friendly, certified financial therapist, I’m here to call out these myths and offer a few truth bombs to help you break free. Ready to stop falling for these? Let’s dive in.

Myth #1: “More money = more happiness.”

❌ The Myth: More money = instant happiness, right?
💡 The Truth: Newsflash: Money is a tool, not a happiness vending machine. Sure, it can buy a yacht (or maybe just a pizza), but it won’t guarantee a smile on your face unless you’re spending it on what actually brings you joy. So, maybe it’s time to stop chasing the number and start chasing the things that make you feel fulfilled—like an adventure fund or extra time with loved ones.

Your bank balance might be impressive, but if it doesn’t reflect your true desires, it’s just numbers on a screen. Don’t confuse cash with contentment, okay?

Myth #2: “I’ll start saving when I make more.”

❌ The Myth: “I’ll save when I get that big raise.”
💡 The Truth: Saving is a habit, not a paycheck size. You don’t need a six-figure salary to start saving, and let’s be real—if you can’t save a little now, you won’t magically save more later. Start small. Like really small. Even the tiniest contributions to your savings account count. The trick is consistency, not waiting for the universe to hand you a bonus.

Consider this: saving is like building a snowman. You start with a tiny snowball, and eventually, you’ve got a snowman (aka, an awesome financial cushion).

Myth #3: “Debt is always bad.”

❌ The Myth: All debt is evil, like that ex who keeps texting you.
💡 The Truth: Not all debt is the same. Some debt, like student loans or a mortgage, is actually an investment in your future. It’s not about running from debt like it’s a bad breakup—it’s about managing it like a responsible adult (with boundaries).

Some debt can actually help you level up your financial game. Think of it as your financial sidekick—it helps you invest in your growth, whether it’s through education or homeownership. Don’t let fear of debt paralyze you—just be smart about how you handle it.

Myth #4: “I need to track every penny to stay on top of my finances.”

❌ The Myth: If you don’t know exactly where every penny goes, you’re financially doomed.
💡 The Truth: Tracking every single cent is like micromanaging your life. Sure, it’s great to know where your money goes, but obsessing over each coffee purchase is a bit much, right?

Instead, zoom out and focus on the big picture: your goals. If you’re spending with intention (hello, smart goals!), you don’t need to count every latte. Focus on your major financial moves, and let the small stuff fall into place. You don’t need to be the master of your budget, just the commander of your money.

Myth #5: “Talking about money is awkward.”

❌ The Myth: Money talks are as awkward as asking your crush out on the first date.
💡 The Truth: Let’s face it—money is part of life, so avoiding the topic is like pretending your phone doesn’t have Instagram. Talking about money isn’t weird; it’s empowering!

When you have open, honest conversations about money—whether with your partner, your kids, or your financial therapist—it helps you gain clarity, make smarter decisions, and stop wondering if your finances are going to spontaneously combust.

Let’s make money talk less “cringe” and more confidence. Get comfy with it. It’s time to stop whispering about money and start having conversations that change the game.

Ready to Break Free from These Myths?

By busting these money myths, you’re not just freeing yourself from financial stress—you’re opening the door to a healthier relationship with money. And the best part? You don’t have to do it alone!

If you’re ready to start having those powerful, money-positive conversations, I’ve got just the thing for you: Let’s Talk Finances Conversation Cards—Couples Edition and Divorce Edition. These cards are your secret weapon for making money talk easy, fun, and (dare I say?) life-changing.

💥 Whether you’re navigating finances with your partner or tackling post-divorce financial decisions, these cards will help you have the conversations you’ve been avoiding and make smarter money moves.

👉 Grab your cards now and start changing your financial future, one conversation at a time!

P.S. Waiting for the “perfect time” to get your money mindset in check? Spoiler alert: that time is right now. Your future self will thank you for breaking free from these myths. Let’s do this!