You’re budgeting, paying your bills, maybe even skipping the fancy coffee… So why does it still feel like your money is playing hide and seek?
A lot of it has to do with money myths that keep us feeling trapped. We’ve been told lies about our personal finances for years. And if you’re a woman, you’ve probably got even more money myths floating around in your head.
The money lies often sound helpful. Some sound downright responsible. But in reality? They’re keeping you stuck. So let’s shut them down…
✅ Myth #1: “If I ignore my money problems, they’ll go away.”
❌ The Myth: If you just avoid checking your bank account, things will magically fix themselves.
💡 The Truth: Money stress doesn’t disappear when you ignore it. It grows. Like laundry. Or leftovers in the back of the fridge.
Instead of ghosting your finances, face them head-on. Look at your numbers. Name the problem. Then you can actually do something about it. Knowledge is power, and it’s also the first step to peace of mind.
✅ Myth #2: “Budgeting means no fun.”
❌ The Myth: Budgets are punishment. If you’re budgeting, it means no vacations, no lattes, and definitely no Target runs.
💡 The Truth: A good budget doesn’t cancel fun—it makes space for it.
Think of your budget like a permission slip. It helps you spend guilt-free on the stuff that actually matters to you, because you’ve planned for it. It’s not about cutting out joy. It’s about cutting out the mindless spending that doesn’t make you happy anyway.
✅ Myth #3: “I’m just bad with money.”
❌ The Myth: Some people are born with money skills, and you’re just not one of them.
💡 The Truth: No one comes out of the womb knowing how to budget, invest, or decode a 401(k).
Being “bad with money” is not a personality trait. It’s just a gap in knowledge—and that can be fixed. Start with small wins. Read one article. Try one savings challenge. Ask one smart question. You’re not bad at money. You just haven’t been shown the right tools yet. But there are tons of tools out there that will help you learn more, little by little.
✅ Myth #4: “Investing is only for rich people.”
❌ The Myth: You need to have a fat bank account or a fancy finance degree to get started.
💡 The Truth: You don’t need to be rich to invest—you need to start.
These days it’s easy to start investing, and you don’t need much money to do it. Even $10 can get the ball rolling. All you need to do is open an account with a firm like Fidelity, add a little money to the account, and get ready to buy some mutual funds or ETFs (exchange traded funds). Time is your best friend here, not a giant paycheck. So stop waiting until you’re “ready” and just dip your toes in. The sooner you start, the easier it gets.
✅ Myth #5: “If I make more, I’ll finally feel secure.”
❌ The Myth: The next raise, the next bonus, the next client… then you’ll feel safe.
💡 The Truth: If you don’t feel secure at your current income, a few more dollars won’t fix it.
Money mindset matters just as much as income. If you’re constantly feeling like it’s never enough, even six figures won’t calm that panic. Because the truth is that the more people make, the more they end up spending, so they still feel like they don’t have any money left at the end of the month. The fix? Start managing your money with intention now. Learn to feel in control before your income grows. That’s what brings real financial confidence.
Bottom line:
Don’t let these myths keep running the show. It is time for you to take control of your money, your mindset, and your long-term financial security.
The truth? You are smart enough. You are capable. And you are absolutely allowed to rewrite your money story—starting today.
Want help figuring out where to begin? Stick around. We’re talking real-life strategies that actually work, no shame required.
