When you’re struggling with money—or even just feeling stuck—it’s easy to let fear, frustration, or doubt shape your thoughts. But here's the truth: your words have power. As Proverbs 18:21 says, “Death and life are in the power of the tongue.” That means what you say about your finances matters. A lot.

Speaking life over your finances isn’t just about being positive—it’s about aligning your thoughts, words, and actions with hope, faith, and truth. Let’s explore how to shift your financial atmosphere by using your voice with purpose and power.

Have you ever caught yourself saying, “I’m just bad with money”?

If so, you’re not alone — but I want to gently challenge that belief today. Because what if the problem isn’t you, but the story you've been telling yourself?

As a financial coach, one of the first things I help my clients do is reframe this kind of thinking. Why? Because how you speak about yourself directly shapes your habits, your confidence, and your results. So let’s talk about how to shift this damaging phrase into something that empowers you.

For many of us, money has always felt like a struggle.

It’s not just the numbers in the bank account — it’s the weight behind them. It’s the stories we were told growing up. It’s the mindset we inherited without even realizing it.

So, I want to ask a bold question:

Is poverty a curse?

I don’t mean a magical spell or something superstitious. I mean: is poverty passed down like a heavy backpack we were never meant to carry?

Let’s talk about it.

We’ve all made money mistakes. Maybe it was maxing out a credit card, taking out a loan we couldn’t afford, ignoring a budget, or just not knowing any better at the time. Whatever your situation, it can feel heavy — like a weight you carry with you every time you check your bank account or think about the future.

But here’s the truth: you are not your past money choices.

Your past does not define your potential. And healing is absolutely possible.

1. You’re living paycheck to paycheck

If you’ve ever felt buried under debt, you’re not alone — and you're not without tools. Two popular and very different ways to pay off debt are the Debt Snowball and what I like to call the Debt Volcano.

Let’s get real for a second—most people think the only way to fix their money problems is by making more money. While yes, more income can help, it’s not the magic solution. I’ve seen people making six figures who still live paycheck to paycheck. And I’ve seen others with modest incomes build wealth, crush debt, and create financial peace. The difference? It’s not the paycheck. It’s the mindset.

It all begins with an idea.In 2023, a report from LendingClub found that 62% of Americans—**including 40% of those earning over $100,000 a year—are living paycheck to paycheck.

How is that possible? How can someone make six figures and still be broke?

It’s simple: it's what most people do. Out of sight, out of mind.

Everyone is chasing the same American dream: the nice house, the fancy car, the “good job,” and all the hobbies. A motorcycle here, a dirt bike there… and of course, the boat and jet skis.

When you're struggling financially, trying to get ahead, or wanting to build a better future, it's easy to feel stuck or confused about what kind of help you actually need. Maybe you’ve heard of financial coaches and financial advisors—but what’s the difference? And more importantly, which one is right for you?

In this post, I’ll break it down clearly so you can make the best choice for where you are on your financial journey.

If you’re feeling stuck or overwhelmed by your finances, I’ve got good news: it doesn’t take a massive overhaul to start seeing results. Sometimes, a few simple steps can create real momentum.

When it comes to your finances, there’s a question that can change everything:

Are you interested… or are you invested?

It might sound simple, but this question is at the heart of every major breakthrough. I’ve seen it in my own life, and in the lives of others I’ve coached or watched grow.

Because being interested is easy.
Being invested is what creates real, lasting change.