Money and Success – Become Smart About Money and Thrive in Three Basic Steps

Becoming smart about money and thriving requires more than a basic financial plan. Knowing how much you need to put away for retirement or college is all very well but to achieve your goals and dreams you need a lot more than mere time-value-of-money calculations. There are many more aspects to being successful and I will discuss three of them here.

1.      Awareness

The first step is to become aware of your money blueprint. Most of us are blissfully unaware of all the underlying issues and beliefs that govern the decisions and actions we take.

Have you noticed how some people earn large salaries but are still barely able to make it? Or have you heard about lottery winners who squander all their winnings within the first few years? Why do you think this happens?

They have unconscious beliefs about money that keep them poor or struggling no matter how much money they make or receive. These beliefs usually start in early childhood. The words and actions of our parents concerning money can have a profound influence on our own beliefs about money and wealth.

Did your parents constantly say things like “money doesn’t grow on trees”, “we can’t afford it”, “rich people are bad” and more in that vein? These are all statements of scarcity and have a negative effect on our beliefs about money.

How did your parents manage their finances – poorly or frugally? Did dad handle the finances and give mom an allowance? Did they create a lot of debt? Did they fight over money?

Delve deeper and try to discover your own unconscious programming where money is concerned.

2.      Your values, purpose and vision

The next step is to discover what is important about money to you. Money means different things to different people and the amount of money you desire should line up with your values, your purpose and ultimate vision for your life.

Some people think that if they had a million dollars in the bank they would be happy, but we all know that money does not buy happiness as evidenced by all the unhappy rich people in the world.

Do some soul-searching. Figure out what it is you really want, what would give you fulfillment. Ask yourself, “If money were no object, if I could do anything I want, if I had only one year to live, what would I do?” Write down whatever pops into your head no matter how silly you think it is. Do not limit yourself by worrying about ‘how’ you can achieve it. Just let your imagination go.

3.      The nitty gritty

If you realized that you have some negative beliefs about money, you should start to reprogram your mind with positive thoughts.

Hopefully, you figured out what you would really like to do and have in your life. Now you can plan accordingly. Now you can work out the numbers.

Get organized, figure out your net worth, create a spending plan, get rid of debt, establish an emergency fund that will cover 6-8 months of expenses and make sure you save for your goals.

Many people think that carrying out step three is enough. However, unless you uncover and reprogram any negative beliefs you may have about money you are likely to sabotage your own chance of success.

Step two is very important because if you do not know where you are going and what you ultimately want to achieve, you may be swayed this way and that and never reach that place of fulfillment and satisfaction.

Begin taking the necessary actions today that will help you achieve your dreams and thrive!

Doris Roper is a Financial Life Planner and Certified Divorce Financial Analyst. She is a senior partner at an independent wealth management firm in San Diego and founder of the W.I.T. Institute – a one-stop resource for women in transition. Doris helps women to figure out how and where to start when facing a transition and plan accordingly. She recently published her book called WAKE UP your life! A woman’s guide to real personal power.

See her website at and the Institute’s membership site at

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