21 Money Myths To Rid Your Mind Of Today! (2023)

21 Money Myths To Rid Your Mind Of Today! (1)

Managing money can be challenging, especially when there are so many money myths and misconceptions floating around.

These financial myths can be detrimental to your financial well-being. They can lead you to make poor decisions, cause you to overspend, discourage you from seeking help or understanding, and cause lots of stress.

Don't worry, that doesn’t have to happen to you! Here, we explore 21 money myths so you can avoid falling into these traps.

1. Money is the root of all evil (The top money myth!)

This is a popular saying, but it is not entirely accurate. Money itself isn't evil; it is our attitudes and behaviors surrounding money that can be problematic.

In fact, money can be used for so much good!

Money can be used for big things, like supporting charities or funding research. But don’t forget about the everyday things that money does, too, like making your life more comfortable and freeing up your time and energy for doing what you love.

Instead of demonizing money, reframe how you think about it and focus on using it responsibly and purposefully.

2. You can’t negotiate your bills

Many people assume that their bills, such as their cable, cell phone, or even medical bills, are non-negotiable. However, this is not always the case.

You can often negotiate your bills by calling and asking your service provider for a discount or a lower rate. It may take some persistence, but it can save you hundreds of dollars each year.

3. Building generational wealth is only for the rich

How is it that the rich just seem to get richer and richer as the generations go on? The answer?

Generational wealth. This is wealth that is passed down from generation to generation.

Many people fall victim to financial myths about family wealth.

The truth is that anyone can build generational wealth (we love money truths!) by doing things such as investing their money wisely and making smart financial decisions.

While it’s not an easy feat, especially if you are one of the first in your family to think about things like this, it’s certainly doable and a worthy goal to have.

4. Personal finance is confusing and complicated

One of the biggest myths Clever Girl Finance works to combat is that personal finance is confusing and complicated and should be left to the professionals. This is simply not true!

You can manage your money effectively by educating yourself about personal finance and creating a financial plan.

There are so many resources available, such as Clever Girl Finance’s 100% free courses, books, blogs, and podcasts, that can empower you on your journey to learning more about personal finance.

5. You should always buy the cheapest option

While choosing the cheapest option might be tempting, it may not always be the best choice. Thinking that you should always buy the cheapest item is one of the worst financial myths around.

This is especially true for one area where many people spend a lot of money – their clothes. Fast fashion is cheap and convenient, but it’s not good for your wallet.

In general, cheaper options may not last as long, require more maintenance, or be of lower quality. In some cases, it's more cost-effective to invest in a higher-quality item that will last longer and require less upkeep.

6. It's impossible to have fun and save money at the same time

Saving money doesn't mean you have to sacrifice fun and enjoyment! There are so many ways to enjoy life without breaking the bank.

Look for free or low-cost activities, like hiking, visiting a museum, or having a picnic.

Additionally, consider alternative ways to enjoy your hobbies, such as borrowing books from the library instead of buying them or renting equipment instead of purchasing it.

7. You need tons of money to start investing (A wealth-limiting money myth!)

Investing can be intimidating, especially if you believe you need lots of money to get started.

However, that is definitely not the case! You can absolutely start investing with just a small amount of money.

Many investment platforms allow you to start with as little as $5 or $10, and there are plenty of low-cost index funds and exchange-traded funds (ETFs) that can help you diversify your portfolio without breaking the bank. The key is to be consistent and start small with your contributions.

8. Credit cards are bad for your finances

There are advantages and disadvantages to using credit cards. Credit cards can certainly be useful for building credit, but they can also be harmful if used irresponsibly.

One of the most prevalent money myths is that credit cards are bad for your finances and that you should avoid them.

That’s not true at all. The key is to use credit cards wisely, which means paying off your balance in full each month and avoiding high-interest debt.

9. Renting means you’re throwing money away

Many people believe that renting is a waste of money because you do not build equity in a property.

While it is true that renting does not build equity, it can still be a smart financial decision depending on your circumstances.

Renting a home can be more affordable than owning one. It can also give you more flexibility if you need to move frequently for work or personal reasons.

Buying a home can be a wise investment, but it might not be the best choice for you. Buying a home comes with many expenses, including property taxes, maintenance, and repairs, which can add up quickly.

Don’t let common money myths like this one make you feel like you “should” buy a home when renting makes more sense for you.

10. Having a balance on your credit card can help your credit score

This is a very common financial myth, and it can lead to high-interest debt and financial stress. A balance on your credit card does not help your credit score; in fact, the opposite is true – it can actually hurt it!

The very best way to improve your score is by paying off your balance in full every single month and keeping your credit utilization low.

11. You can’t retire until you’re 65 years old (or older)

While 66 is the age at which you can start receiving full Social Security benefits, you can retire at any time as long as you have enough saved up to support yourself. The sooner you begin retirement planning, the better off you’ll be later.

Even if you are only able to save a tiny amount each month, it’s better than nothing. Your future self will be thankful when you can leave the workforce far earlier than you expected!

12. Investing is hard

Investing might sound scary to a beginner, but it’s not as complicated as it initially appears. There are lots of resources that can help you learn how to invest your money in the best way.

Looking for a place to learn about investing? Try one of Clever Girl Finance’s free investing courses! You’ll learn all the basics about investing and be on your way to reaching your financial goals by leveraging the power of investing.

13. Your 401(k) can serve as your emergency fund

While it’s true that you can borrow from your 401(k) in an emergency, never rely on it as your primary emergency fund.

You should strive to have a separate emergency fund with at least three or up to six months’ worth of expenses saved up. This will help you pay for unexpected expenses without ever having to dip into your retirement savings.

14. You can't save if you have debt

Having debt can make it challenging to save money, but it is not impossible. The key is to prioritize your debt payments while still making an effort to save and cut back on expenses.

Begin by setting a savings goal and creating a budget that allows you to make regular debt payments while still saving a small amount each month.

Look for categories where you can cut back on your spending. Dining out or entertainment are usually great places to start.

Additionally, there are many debt repayment strategies available, such as the snowball or avalanche method, that can help you pay off your debt more efficiently.

15. If you have a credit card, you don’t need an emergency fund

An emergency fund is a key part of any financial plan.

One of the most detrimental money myths floating around is that a credit card can serve in place of an emergency fund. Don’t fall for this!

An emergency fund's purpose is for covering unexpected costs, such as a medical bill or car repair, without having to rely on credit cards or loans.

Except as a last resort (or if you plan to pay off the amount, in full, by the end of the month), credit cards shouldn't be used in place of an emergency fund.

16. You should pay off your mortgage as soon as possible

While it is true that paying off your mortgage quickly can save you money on high-interest payments, it may not be the best choice for everyone.

If you have high-interest debt or other financial goals, it’s often better to prioritize those goals instead of paying off your mortgage early.

17. Don't worry about retirement until you’re older

This is one of those common money myths that are absolutely false.

Retirement may seem like a far-off goal, but it is important to start planning for it as early as possible. The sooner you begin saving cash, the better.

In fact, it’s wise to start saving for retirement as soon as you start working. As proof that it’s never too early to start saving for retirement, even teenagers working part-time jobs can benefit from this type of saving and investing!

18. Student loans are the best way to finance education

Don’t be fooled by this myth targeted at young people: taking out student loans isn't your only option to finance your education. It’s not the only way to pay for school.

In fact, you can explore other ways of paying for school, such as scholarships, grants, work-study programs, or even delaying college for a year or two to save up money.

19. You can never pay off debt

While it might feel like you will never be debt free, don’t believe this myth! With hard work and dedication, anyone can pay off their debt and achieve financial freedom, no matter how high their debt might currently be.

One approach to paying off debt faster is by paying off high-interest debt first while making minimum payments on other debts. Remember, you are not alone in feeling like you are drowning in debt, and there is a way out.

20. Money is a private topic and you shouldn’t talk about it with others

Money can be a sensitive topic for some, but it’s important to talk about it openly and honestly with your loved ones. This is especially true for the people you are making financial decisions with.

What does talking about money look like? It might include discussing your financial goals, creating a budget together, disclosing your salary, or even seeking out professional financial advice as a family.

Whatever you do, don’t be afraid to share your finances with those you trust.

21. Money can’t buy happiness (The greatest financial myth!)

Money can’t buy happiness. Or can it?

This is one of the money myths that nobody can seem to agree on. While it’s a complicated concept, there is definitely truth to the fact that money can buy happiness – to an extent.

Money can’t buy happiness in and of itself, but it can provide a means to the things we value in life, such as free time and peace of mind. Money will always be a big part of our lives, identities, and well-being.

Don't get stuck by believing these money myths!

Managing your finances can be difficult, but it is possible to avoid being duped by any of these common money myths.

By educating yourself about this and knowing how to stay away from the myths, you can achieve your goals and improve your financial well-being.

As you learn, you'll also become better at understanding money topics and making smart choices for your finances.


How to master your money? ›

Nine Ways to Master Your Money
  1. Set S.M.A.R.T. Goals. ...
  2. Pay Yourself First. ...
  3. Maintain an Emergency Fund. ...
  4. Pay off Your Credit Card Debt. ...
  5. Insure Your Family Adequately. ...
  6. Buy a Home. ...
  7. Take Advantage of Tax-deferred Investments. ...
  8. Diversify Your Investments.

What are some good financial questions to ask? ›

Baseline Questions to Ask About Money
  • What Do I Want Retirement to Look Like? ...
  • How Am I Preparing for Retirement? ...
  • How Much of My Budget Should Be In Investments? ...
  • Do I Need to Have a Financial Advisor? ...
  • How Can I Improve My Financial Literacy? ...
  • What Are My Financial Values? ...
  • Am I Happy With My Job?
Nov 17, 2022

How do I think about money all the time? ›

8 strategies to stop stressing about money
  1. Don't let money consume your thoughts.
  2. Get organized.
  3. Let go.
  4. Set up monthly auto payments.
  5. Talk to someone about your financial stress.
  6. Manage your health to build wealth.
  7. Focus on your financial goals.
  8. Live a little.

How to be smart with your money? ›

5 steps for getting smarter about everyday finances
  1. Get a clear picture of your financials—now and down the road. ...
  2. Tomorrow's plans start with today's budget. ...
  3. Make your money work smarter, not harder. ...
  4. Remember that monthly bills can impact future goals. ...
  5. Use a banking app to save time and stay on top of your finances, 24/7.

How to stop wasting money? ›

Here are some ideas to help you stop spending money and build healthier financial habits:
  1. Create a Budget. ...
  2. Visualize What You're Saving For.
  3. Always Shop with a List. ...
  4. Nix the Brand Names. ...
  5. Master Meal Prep.
  6. Consider Cash for In-store Shopping. ...
  7. Remove Temptation.
  8. Hit “Pause"
Jan 19, 2023

How do you build self control with money? ›

Research shows that certain strategies can help build up self-control around spending and saving money:
  1. Make one financial decision at a time. ...
  2. Track your spending. ...
  3. Save automatically. ...
  4. Avoid temptation. ...
  5. Ask for support.
Feb 1, 2012

What are the three financial questions? ›

"Big Three" financial literacy questions
  • Interest Rate Question. Suppose you had $100 in a savings account and the interest rate was 2% per year. ...
  • Inflation Question. Imagine that the interest rate on your savings account was 1% per year and inflation was 2% per year. ...
  • Risk Diversification Question.
Dec 4, 2020

What are the most common financial choices? ›

Banking, budgeting, saving, credit, debt, and investing are the pillars that support most of the financial decisions that we'll make in our lives. At Investopedia, we have more than 30,000 articles, terms, Frequently Asked Questions (FAQs), and videos that explore these topics.

What are the three basic questions addressed by a financial manager? ›

What are the three basic questions Financial Managers must answer? What long-term investments should the firm choose? How should the firm raise funds for the selected investments? How should current assets be managed and financed?

What does God say about worrying about money? ›

Philippians 4:6 (GNTD)

Don't worry about anything, but in all your prayers ask God for what you need, always asking him with a thankful heart.

What is the best mindset for money? ›

Below, you'll find a few tips to help you create a positive money mindset.
  • Forgive Your Past Financial Mistakes. ...
  • Understand Your Thoughts and Emotions Surrounding Money. ...
  • Realize That Comparing Yourself to Others is a Losing Game. ...
  • Work on Forming Good Habits. ...
  • Create a Budget That Brings You Joy. ...
  • Remember to be Thankful.

What is money anxiety? ›

“Money anxiety disorder” is a term sometimes used to describe a condition of constant worry and unease about money. By Jessica Sier. 25 May 2021 · 6 min read. “Money anxiety disorder” is a term sometimes used to describe a condition of constant worry and unease about money.

How can I change my mindset to make money? ›

How to shift your mindset about money
  1. Remind yourself that you're in control. ...
  2. Be willing to do the work. ...
  3. Acknowledge incremental progress. ...
  4. Commit to being successful. ...
  5. Express gratitude. ...
  6. Cut off negative self-talk before it spirals. ...
  7. Keep moving forward. ...
  8. Adopt an abundance mindset.

How do I grow my money fast? ›

10 Ways To Build Wealth Fast
  1. Save. You can't begin any type of wealth-generation plan without having money to invest. ...
  2. Buy an S&P 500 Index Fund. ...
  3. Buy Dividend-Paying Stocks. ...
  4. Buy a Rental Property. ...
  5. Keep Asking for Raises. ...
  6. Start a Business. ...
  7. Broaden Your Education and Skill Set. ...
  8. Set Up Multiple Streams of Income.
May 24, 2023

What is it called when you can't stop spending money? ›

Overspending can happen for different reasons, such as: You might spend to make yourself feel better. Some people describe this as feeling like a temporary high. If you experience symptoms like mania or hypomania, you might spend more money or make impulsive financial decisions.

Is overspending a mental disorder? ›

For some, overspending becomes buying-shopping disorder, or compulsive shopping disorder (CSD), which is characterized by repetitive, uncontrollable spending that causes serious life difficulties.

What is a money personality? ›

Five common money personalities are investors, savers, big spenders, debtors, and shoppers. Debtors and shoppers may tend to spend more money than is advisable. Investors and savers may overlap in personality traits when it comes to managing household money.

What is poor self-control? ›

Lack of self-control is the inability to restrain one's emotions, desires, or impulses. Having a lack of self-control can result in undesirable negative consequences like being arrested or losing a good friend.

How much money should you put into savings every month? ›

Why 20 percent is a good goal for many people. There are various rules of thumb that relate to savings, whether it's retirement or emergency savings, but a general consensus is to set aside between 10 percent and 20 percent of your income each month for savings.

What are the big three part of the financial life? ›

While there's a degree of poetic beauty to this line of thinking, it's also true for financial planning. In fact, there are actually three distinct stages of your financial life. These three stages are wealth accumulation, wealth preservation, and wealth distribution.

What are the 3 statements? ›

What are the Three Financial Statements? The three financial statements are: (1) the income statement, (2) the balance sheet, and (3) the cash flow statement.

What are the 5 biggest financial mistakes? ›

Here are five common money mistakes and steps you can take to avoid them.
  1. Not having an emergency fund. ...
  2. Paying off the wrong debt first. ...
  3. Missing out on employer matching contributions. ...
  4. Not having credit monitoring or an alert service set up. ...
  5. Allowing 'lifestyle creep' to occur.

What is the best thing to do with money? ›

What to Do With Extra Money
  • Boost your emergency fund. ...
  • Increase retirement plan contributions. ...
  • Invest in a mutual fund or exchange-traded fund. ...
  • Buy individual stocks. ...
  • Invest in real estate. ...
  • Buy bonds. ...
  • Get a bank account bonus. ...
  • Try cryptocurrency investing.

Why do people struggle with money? ›

The reasons that most people struggle financially will vary on the individual case but can include a lack of financial literacy, a scarcity mindset, self-esteem issues leading to overspending, and unavoidable high costs of living.

What are the 4 basics of financial management? ›

Most financial management plans will break them down into four elements commonly recognised in financial management. These four elements are planning, controlling, organising & directing, and decision making. With a structure and plan that follows this, a business may find that it isn't as overwhelming as it seems.

What do managers look for in financial statements? ›

While some ratios can be precise, such as a benchmark for profit margin in a specific industry, others are more general. The six most common categories of financial ratios are profitability, liquidity, activity, leverage, investment and efficiency.

What is the most important financial statement as a manager? ›

The income statement, also known as the profit and loss statement, or P&L, gives an overview of the income and expenses during a set period. Typically presented annually or quarterly, the income statement allows businesses to compare trends in income and expenses over time.

Why does God let us struggle financially? ›

1) To strengthen our faith

The “muscle” of faith needs to be exercised. Financial limitations or total loss of income can be orchestrated by God in the lives of his chosen ones to help us manage our income well and strengthen our faith.

What does the Bible say about hoarding money? ›

Ecclesiastes 5:13 tells us wealth hoarded does so to the harm of the owner; Isaiah 23:18 tells us that those who don't hoard their wealth, their profits will go toward abundant food and fine clothes; and James 5:3 tells us if you hoarded wealth in the last days your gold or silver will be corroded and eat your flesh ...

What is the sin about money? ›

In Christian tradition, the love of money is condemned as a sin primarily based on texts such as Ecclesiastes 5:10 and 1 Timothy 6:10. The Christian condemnation relates to avarice and greed rather than money itself.

What is a toxic mindset about money? ›

It can also lead to a lack of generosity and a tendency to focus only on one's own needs, rather than those of others. A toxic money mindset, which often includes a scarcity mindset, can also lead to unhealthy financial behaviors such as overspending, compulsive shopping, or accumulating debt.

What mindset do rich people have? ›

Rich mindset seeks to build relationships based on trust, liking, shared values, and mutual respect. People with the rich mindset help others and cultivate relationships with no expectation of anything in return.

What are money mindset habits? ›

Master your money mindset and learn how to go from scarcity to abundance with the following five steps.
  • Step 1: Reflect on your financial perspective. ...
  • Step 2: Adopt a positive money mindset. ...
  • Step 3: Shift your mindset to save money. ...
  • Step 4: Monitor your spending. ...
  • Step 5: Commit to changing your money habits.

Why you should never worry about money? ›

Stressing about finances can adversely impact your well-being. People who are worried about money often experience physical health issues that can limit their ability to work. Financial strain often contributes to mental health problems such as stress, anxiety and depression.

What are the symptoms of a money disorder? ›

Signs and symptoms that can show and lead to money disorders are engaging in addictive gambling, Financial infidelity, compulsive expenditure and prince charming syndrome. People with money disorders often don't realize that they are in that state or that they need help.

Can money change your behavior? ›

Theorists argue that a person's nature cannot be altered by money. It (money) does, however, give them more power and options to act per their nature. It gives them the tools and means to express themselves. It gives them the courage and confidence to express their true self.

How can I rewire my brain to save money? ›

Training Your Brain to Embrace a Saving Habit
  1. Set a Savings Goal. Start small and set a savings goal you know you can reach. ...
  2. Save Something Every Single Day. ...
  3. Use a Spending Tracker. ...
  4. Follow a Budget. ...
  5. Practice Mindfulness. ...
  6. Build Other Money-Saving Habits at the Same Time. ...
  7. Automate Your Savings.

Where does money mindset come from? ›

Your money mindset is made up of your core values, beliefs, and narratives around money. These beliefs are often subconscious but they steer your money decisions. So coming to grips with yours is essential in order to understand what's motivating your decisions.

Where to invest $1,000 right now? ›

Best ways to invest $1,000 right now
  • Tackle high-interest debt.
  • Start an emergency fund.
  • Invest in Y-O-U!
  • Buy pieces of your favorite companies using fractional shares.
  • Open an account with a robo-advisor.
  • Invest in index funds, mutual funds or ETFs.
  • Open a traditional or Roth IRA.
  • Boost your 401(k) contributions.
Mar 28, 2023

How can I grow $5000 fast? ›

19 Easy Ways to Make $5,000 Fast
  1. Rent a Home, Car, or Storage Space.
  2. Make Deliveries.
  3. Drive for Uber or Lyft.
  4. Sell High-Value Items.
  5. Invest in Stocks.
  6. Sell Stuff Online.
  7. Freelancing.
  8. Real Estate Investing.
Apr 20, 2023

How to make $1,000 fast? ›

24 Ways To Make $1000 Fast
  1. Make Deliveries.
  2. Take Online Surveys.
  3. Start Freelancing.
  4. Earn Cash Back When You Shop.
  5. Sell Stuff.
  6. Sell Jewelry You Don't Want.
  7. Maximize Bank Bonuses.
  8. Rent Out Your Home or Car.
Mar 22, 2023

What is the 50 30 20 rule? ›

The 50/30/20 rule is a budgeting technique that involves dividing your money into three primary categories based on your after-tax income (i.e., your take-home pay): 50% to needs, 30% to wants and 20% to savings and debt payments.

How to build wealth with $1,000? ›

Here are nine top ways to invest $1,000 and the key things to know about them.
  1. Buy an S&P 500 index fund. ...
  2. Buy partial shares in 5 stocks. ...
  3. Put it in an IRA. ...
  4. Get a match in your 401(k) ...
  5. Have a robo-advisor invest for you. ...
  6. Pay down your credit card or other loan. ...
  7. Go super safe with a high-yield savings account.
Feb 1, 2023

How can I compound my wealth fast? ›

How to build wealth in 5 steps
  1. Automate your savings.
  2. Revisit your savings once a year.
  3. Hike your savings rate.
  4. Avoid high fees.
  5. Stick with the market.
Feb 17, 2023

What is the easiest way to manage money? ›

The best way to save money is to pay some money into a savings account every month. Once you've set aside your emergency fund, possible savings goals to consider might include: buying a car without taking out a loan. taking a holiday without having to worry about the bills when you get back.

What is the 50 15 5 rule? ›

50 - Consider allocating no more than 50 percent of take-home pay to essential expenses. 15 - Try to save 15 percent of pretax income (including employer contributions) for retirement. 5 - Save for the unexpected by keeping 5 percent of take-home pay in short-term savings for unplanned expenses.

How much savings should I have at 50? ›

By age 50, you would be considered on track if you have three to six times your preretirement gross income saved. And by age 60, you should have 5.5 to 11 times your salary saved in order to be considered on track for retirement.

What is the best budget rule? ›

To budget effectively using the 50%, 30%, 20% rule, track your expenses, prioritize essential needs, be mindful of wants, and consistently allocate savings or debt repayment within the designated percentage.

How to turn $1,000 into $10,000 quickly? ›

  1. Invest In Yourself. It's possible that you could learn something that will allow you to increase your earning potential by $10,000 per year. ...
  2. Buy Products and Resell Them. ...
  3. Start a Side Hustle. ...
  4. Start a Home Business. ...
  5. Invest In Small Businesses. ...
  6. Invest In Real Estate.
May 26, 2023

How to make $10,000 dollars fast legally? ›

  1. Get a Side Hustle. To make $10000 fast with a side hustle, you should consider tackling a few at once. ...
  2. Sell Unwanted Jewelry. ...
  3. Sell Your Unwanted Stuff. ...
  4. Rent Out Your Space. ...
  5. Rent Out Your Stuff. ...
  6. Set up Passive Income Streams. ...
  7. Invest in Real Estate. ...
  8. Invest in the Stock Market.
Apr 26, 2023

What is the secret to building wealth? ›

Pay Yourself First

The most powerful wealth building tool you have is your income. Saving a portion of what you earn for yourself and investing it is a powerful way to create wealth. It's simple but not easy until you discover that it's the engine that will drive your wealth machine.

What is the number one key to wealth building according to millionaires? ›

Consistency and strategic investing are key

The research found that almost 80% of millionaires did not inherit wealth, rather they made their money through consistency and strategic investing.

How can I double my money without risk? ›

5 Ways to Double Your Money
  1. Take Advantage of 401(k) Matching.
  2. Invest in Value and Growth Stocks.
  3. Increase Your Contributions.
  4. Consider Alternative Investments.
  5. Be Patient.
Nov 1, 2022

What to do with money sitting in bank? ›

With that in mind, here are some options to consider.
  1. High-yield savings account. ...
  2. Certificate of deposit (CD) ...
  3. Money market account. ...
  4. Checking account. ...
  5. Treasury bills. ...
  6. Short-term bonds. ...
  7. Riskier options: Stocks, real estate and gold. ...
  8. Get help from a financial planner.
Apr 28, 2023

What are 3 key ways to manage your money? ›

You could use these seven practical financial tips and money management skills as a general guide for your financial journey.
  • Make a personal budget. ...
  • Track your spending. ...
  • Save for retirement. ...
  • Save for emergencies. ...
  • Plan to pay off debt. ...
  • Establish good credit habits. ...
  • Improve your money mindset.

What are the 3 basic steps to better money management? ›

Whether you're planning for yourself or for your whole family, there are three basic steps you can take to make the most of your money: One: create a budget. Two: set savings goals. And three: tackle your debts.


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