Your Money, Your Rules | Money Mindset, Money Management, Abundance Mindset, Budgeting, Spirituality

144 | What’s Your Definition of a Wealth Mindset? Here’s Mine

• Erin Gray | Wealth Coach, Former CFP and CFO

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In this episode, I share what it means to move beyond the conventional definition of a “wealth mindset.” Instead of focusing only on strategies or numbers, I explore how your feelings, nervous system, and self-trust are the real foundations of abundance.

We’ll also explore why nervous system regulation is essential for wealth creation. When you’re living in fight-or-flight, it makes it more difficult to access intuition or feel safe making financial decisions. By calming your body and seeing money as a neutral tool that serves your values, you reclaim financial sovereignty.

What you’ll learn in this episode:

  • How to stop outsourcing your financial decisions and build self-trust
  • Why nervous system regulation is the hidden key to financial intuition
  • How to prioritize your values and let money serve you
  • Why money is neutral—and what that means for your sense of abundance
  • How to see yourself as already wealthy, no matter your bank balance
  • Practical reflection prompts to deepen your relationship with money


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From my soul to yours,

Erin

Erin Gray:

Today I want to share my personal perspective on what I believe a wealth mindset actually is, what that means to me, what I think a lot of us have been conditioned to believe or have been taught wealth mindset is, and then how I shifted as well as help clients shift into a place of more trust, safety and expansion with money and, ultimately, a wealth mindset. So, before we dive in, if you have been around here for a while, I want to say thank you for tuning in twice a week, letting me be in your ear. I think it is a privilege that I get to be in your ear and to be in that intimate space. You get to listen to lots of people and I just want to say thank you for tuning in every week. If you are new here, I want to say welcome. I hope that you enjoy what you hear, you like what you hear and that you stick around. So, if this is a topic after what I talk, I talk about wealth mindset and some of the questions that I ask you if you are, you know, have been pondering, like you know, what I also want to offer that you know, if you are feeling anxious about your money, about money decisions, and you are ready to feel more calm and peace and confidence, not just with your money, but just in every area of your life, and you are ready to start trusting yourself. Stop outsourcing your you know power to other people when you make decisions. I would love to guide you, I would love to support you. You could just schedule a session with me. Just click the link in the show notes and you can find a good time that will fit for you for us to have a conversation.

Erin Gray:

Okay, so I actually went to Google not AI, which they're probably the same, but whatever. So I went to Google and I actually Googled what is a wealth mindset? And Google came up with a wealth mindset is a set of beliefs Google came up with. A wealth mindset is a set of beliefs, habits and behaviors that guides us to make the most of the money that we have, and involves spending less which I do not agree with, but we will talk about that here in a second making wise investments and looking for ways to improve our financial standing while minimizing our risk.

Erin Gray:

And while some of that above might be true, what they fail to mention which I think is everything is how we feel about money. How we feel drives every single thing in our life. Yes, I talk about the imagination. I talk about, you know, living in your imagination, living from the feeling and the wish fulfilled, and every idea does start in the mind first. But how we feel in our body, I think has been completely undervalued and underrated, for I don't even know how long, how many years have we not talked about. I mean, thankfully, I think, we are coming back online, we are recognizing, oh wow, our feelings are really important, but how we feel is how we create everything in our life, and I want to just share with you what a wealth mindset actually means to me, like how I used to think about wealth and wealth mindset versus how I think about it now, and I always encourage you to take what resonates and leave the rest. Like you do your own homework, spend some time with a journal and your pen and your mind and a nice beverage, and sit down and actually answer some of these questions or ideas that I am bringing to you and cultivate and formulate your own idea of a wealth mindset, because if we do not know and we do not define what wealthy means to us, how will we ever know if we are wealthy and I believe we are all wealthy already. It is not a number in our bank account or our investment accounts or what our business is earning. I think that that is an external thing that is showing us what we feel within. Not always the case, because I know I have accumulated and grown our assets from a very low self-worth place. Right, but I really want the outside to match the inside for all of us. So a wealth mindset.

Erin Gray:

To me, first and foremost, it means trusting yourself with your money, with your decisions. Think about every area of your life. Are you trusting yourself in your decision-making? I think for a lot of us human you know, men and women, but I think there's a lot of I noticed this with my daughter, sometimes in her friends of what you're going to eat, and the friends will ask like what is Grayson going? Like a societal thing that we do. So how can we be more decisive and declaring with our entrusting our own decisions instead of outsourcing our power, instead of outsourcing our power to you know, our financial planner or banker or CPA or like whatever mentor, business coach or whoever you are working with, just notice when you are wanting to ask them their advice from a place, not of knowledge and education, but from a place of what would they do. And I noticed, when I do this I do this sometimes with my husband and I will catch myself and I will tell myself, no, you're going to make the decision first, and then you're going to come to him and you're going to say this is what I'm doing and then, you know, have the conversation about it. But I noticed, when I asked him his opinion, it is because I have not made my decision first for myself.

Erin Gray:

So, really starting to trust yourself with money, making decisions, clear decisions for yourself, instead of outsourcing our power, I think it also means regulating our nervous system right, feeling safe to be in our bodies, feeling safe with any and all emotions that we have, so that we, you know, feel grounded, so that we can tap into our intuition. That's a you know podcast that I just did. I think it's the previous one I just did about really being able to tap into our intuition. That's a podcast that I just did. I think it's the previous one I just did about really being able to tap into your intuition when we are in fight or flight, when we're in that survival mode. Sometimes it can be very difficult is the word I want to use to be able to tap into our intuition. So really doing things to care for our nervous system, to teach our bodies that we are safe, instead of, you know, moving from that, that scarce, that fear, that lack.

Erin Gray:

I think also a wealth mindset is choosing your values and your joy first, like a heart's desire, right? Not putting money above what your heart's desire, your joy, your values are. And and I want to be clear on heart's desire, heart's desire sometimes isn't, isn't the easy choice, it isn't necessarily the choice that everyone else goes along with. Or, you know, there have been many choices I have made a heart's desire in my immediate family where my husband and my daughter didn't necessarily like that decision initially. And so when I say heart's desire to me, it's not always like rainbows and daisies and like everything's just so joyful, right. Heart's desire sometimes is having those tougher conversations or really doing things that maybe someone else not necessarily that they wouldn't do, but like that is going against the grain and honoring that first and letting money serve your heart's desires, not the other way around.

Erin Gray:

I think it's also a wealth mindset is, you know, seeing money just as it is. It's neutral. It is right. Sometimes my body wants to believe it's not neutral, and so that's where I know I've got you know some deeper work to do, but I really believe that I mean we could go on a rabbit hole of you how money isn't even real and all of that, but like it is a tool that expands what is already within you. So when you think about that, when you think about how do I want to use money to serve me, how do I want to direct source energy, do I want to believe that it is something that is here on planet earth to serve me, to live my best life and to expand myself? And to you know, if you have a business, to grow my business and to pay my people well, and to you know, live in the home that I want to live in and travel the way that I want to like really seeing money as the servant instead of it being the master.

Erin Gray:

And I think the biggest one is already seeing yourself as wealthy. I think that we've been taught, at least in the Western culture, that we have to have a certain amount of money to be wealthy. It's all this external validation, and I know that that is how I created my wealth the first time around I'm going to call it the first time around, versus the second time around I created it from a place of inadequacy, of not enough, and I thought that there would be a number that I would get to and that then I would feel wealthy. Be a number that I would get to and that then I would feel wealthy. And what I know now is that is never going to. There's no amount of money in your bank account or investment accounts or the amount of money you earn in your business or in your income or whatever that's going to create that feeling Like you have to feel wealthy right now.

Erin Gray:

It is a self-concept right, your identity, who you believe yourself to be. It is a feeling that you feel in your body. Yes, we're talking about wealth mindset, but what I go back to at the very beginning of what I said in this episode, it is a feeling and wealth to me because it is a feeling. It feels expansive, it feels wide open and courageous, and so you really have to tap into what does wealth feel like to you? And moving and taking action from the place of someone who is already wealthy, of someone who is already assuming that their success is guaranteed. It's already done. So, instead of moving from a place of I'm going to generate the thing to then one way is I'm already whole and I am creating from this place versus I feel inadequate, I am lacking and I want this to then give me this.

Erin Gray:

So, really starting to tap in and to ask yourself do you see yourself as a wealthy person? Like, spend some time to journal on these. Do you see yourself already as wealthy, no matter what's in your bank account, no matter what debt you have, no matter what's in your investments, whatever your net worth is? Do you already see yourself as wealthy? And if you answered no, that's okay. Then that's where we get to dig in.

Erin Gray:

We get to ask ourselves what beliefs do I have? What have I been taught ourselves? What beliefs do I have? What have I been taught? Who has told me what? Have I been able to? Watch my parents or society tell me what wealth is? What is my self-concept? What do I believe about myself that is keeping me from feeling wealthy?

Erin Gray:

Already, dig into those beliefs. Really get clear on. What are you believing right now? What do you want to believe? Because we get to choose whatever we want to think and believe about ourselves, and if you want some support to pick some of this apart so that you can get more clarity where you can see where you are already wealthy and where you believe you aren't, and how that's creating what it is creating for you, for your, in your life, I would love to support you. Just click the link in the show notes and we can schedule a time. You can schedule a time to that works for you. I really want you to spend some time. You know, like I think podcasts are a great way to educate you, but educating and listening is only one part right, really doing the actual exercises, taking it into the body, becoming someone different. That is where the real transformation is and lies. So if you want support, reach out to me, click the link in the show notes and I would love to support you. Okay, I'll see you in the next episode.