One's money story is often shaped by childhood environment and parental beliefs, which can lead to subconscious limiting beliefs about the morality of wealth.

“And my story around money was people who have money are doing something bad. So I lived in a home whenever we went to a friend's home and they had a nice home, my family would always say, "Oh yeah, but they do dodgy stuff to make money."”

Financial behaviors and beliefs are heavily influenced by early upbringing and trauma, but individuals can take conscious steps to change their relationship with money.

“We definitely all have our unique relationship with money. And a lot of it comes from our upbringing. It's like an invisible backpack that we carry that we don't even realize that we're carrying it.”

A mindset of generosity and gratitude is the primary habit for unlocking financial abundance and internal wealth, regardless of one's current financial status.

“The mindset habit is the first thing that you have to think about when creating abundance with your money, but also feeling abundant internally. And it's coming with generosity.”

A healthy financial mindset is built by focusing on growth and purpose rather than chasing money or maintaining material symbols of wealth.

“I started making way more money when I stopped chasing money because when you're chasing money, you're chasing something that's illusory.”

People should not view money as evil, but rather as a tool that grants power and independence.

“Money is just a tool. So, it's just like, if you want to build a house, do you want to use uh, you know, a bunch of tiny little nails and your own hammer, or do you want to have a screw gun?”

People's negative language around money often stems from an ingrained belief that wealth must be earned through suffering.

“The idea is that if you want to have money, you have to work hard for it. Not just hard, you have to be exhausted. You have to give everything you've got. It shouldn't be easy. It should be hard.”

Defining a clear, positive vision for one's financial future is a vital motivator that can help individuals overcome financial stress.

“if we can give you a beacon out on the distance to raise your gaze and get you feeling inspired again something to work toward that we know based on the research that's your big why when it comes to a goal”

Tommy believes that his habitual frugality and continuous saving are central to his identity and necessary to maintain his competitive edge as an entrepreneur.

“I guess I don't look at it as being, you know, a shame. It's like I got to keep hustling. I got it I got to keep having that edge. I got to keep doing this.”