You work hard. You earn well. But somehow, money never stays. This isn’t bad luck — it’s a Money Block.
How to Remove Money Blocks: Money Blocks are deep subconscious beliefs formed in childhood that silently sabotage your finances every day. Research shows 80% of our financial habits are set before age 7 — shaped by things you heard growing up like “money is evil” or “we can never afford this.”
The good news? Money Blocks can be broken — with the right awareness and consistent practice.
In this guide, you’ll discover what Money Blocks are, which ones you’re carrying, and 6 proven steps to break them for good.
Your money story is about to change. Let’s dive in.
What are Money Blocks?
Money Blocks are the beliefs, emotional patterns, or energy blocks in our subconscious mind that prevent us from earning and keeping money or from having peace with money. They operate below our level of awareness, so no matter how many practical plans we make, we never get results.
Read More: 10 Ways Rich People Think Differently — And How You Can Too
These money blocks are often formed in our childhood. Research shows that 80% of our financial habits are set by the age of seven. Parental sayings, such as “money is filth,” “rich people are greedy,” or “money never stays in our house,” all get lodged in our subconscious mind.
The result is that no matter how hard we work, money either doesn’t come in, or if it does, it slips right through our fingers. But the good news is that these Money Blocks can be broken; you just have to identify and work on them in the right way.
The Main Types of Money Blocks: According to the Klontz Money Script Inventory
Dr. Brad Klontz, based on a scientific test called the Klontz Money Script Inventory (MSI), has identified four main types of money blocks. You may have one or more of these:
- Money Avoidance: This involves thinking like, “Money is evil or I don’t deserve it.” These people are afraid to even check their bank statements and keep putting off bill payments.
- Money Worship: The illusion that “more money equals more happiness.” These people are never satisfied; they keep earning more but can’t enjoy it.
- Money Status: Linking your self-worth to your net worth. Showing off social status by buying expensive cars and designer clothes. In reality, this is a way to hide a lack of self-esteem.
- Money Vigilance: Being overly cautious and secretive about money. Instead of enjoying it, always worrying, “What if something happens tomorrow?”
If you’re feeling any of these types of Money Blocks, know that you’re not alone. Millions of people are stuck in them.
Quick Self-Check: Which Money Script Is Running Your Life?
Be honest — how many of these sound like you?
Talking about money feels uncomfortable or embarrassingIf I just had a little more money, everything would be fineI judge myself — and others — by what they ownI never share financial details, even with close onesDeep down, I don’t believe I deserve to be wealthy
2 or more? You have active Money Blocks and this guide is exactly what you need.
How to Break Money Blocks? A Step-by-Step Complete Guide
Breaking money blocks isn’t a one-day job, but with consistent practice, they can completely disappear. Here are 6 powerful ways:
Cultivate self-awareness and write your money story.
The most important step to breaking money blocks is getting to know yourself. Write down your childhood money story—what your parents used to say about money. Write down on a piece of paper the thoughts that hold you back from moving forward. Read them once a week.
Challenge negative beliefs
Replace your limiting beliefs with more empowering ones. For example, instead of thinking “I’m not good with money,” say “I’m learning to manage my finances better.” And rather than “I can’t afford this,” reframe it as “This isn’t my priority right now.” Small mindset shifts like these can gradually build a healthier relationship with money.
Speak these new affirmations for 5 minutes every day. You’ll be amazed at how quickly your thinking changes.
Emotional or spiritual techniques that work
- Gratitude Journal: Every day, write down five things you’re grateful for. This turns a scarcity mindset into an abundance mindset.
- Visualization: Every morning, spend 10 minutes visualizing that you’re already living your dream life—bank balance, freedom, everything.
- Affirmations: Repeat empowering statements like “I naturally attract wealth and abundance” and “Money comes to me effortlessly and remains with me.” Practice these affirmations daily for at least 21 days to start reshaping your mindset.
Practical financial habits that break down barriers
- Exposure therapy: Despite your fear, open your bank app every week and check your balance.
- Automation: As soon as your salary comes in, transfer 10–20% to your savings account first.
- Small wins: Achieve a small financial goal each month, like saving an extra ₹5,000. The taste of success helps you break through blocks.
Energetic Balance: The Power of Chakra Healing
Many experts believe that there are certain energy centers in our body that are directly connected to the money mindset. For example, the Solar Plexus chakra, located below our navel, is linked to confidence and the power to earn money. Likewise, the Heart chakra helps you accept money without guilt. Focus your attention on these chakras for 5 minutes in the morning and evening, or use crystals like citrine and pyrite.
When and why to seek professional help?
If financial stress is overwhelming, seek financial therapy. It combines regular therapy with finance to heal your relationship with money, emotions, and behavior. There are also many certified financial therapists available in India.
Conclusion: How to Remove Money Blocks
Money blocks don’t break overnight, but with small, daily changes, your mindset shifts from poverty to wealth. When your internal story changes, money starts to come to you on its own.
Start writing your money story today. In 30 days, you’ll be amazed at who you become. If this guide was helpful, be sure to tell me in the comments what your biggest money block was. And share it with your friends who are still struggling.
Now it’s your turn – what one step are you taking starting today? Comment below!
FAQ: How to Remove Money Blocks
How do you remove money blocks?
To remove money blocks, it’s first important to understand your money story. You need to identify the negative beliefs you hold about money. After that, replace these thoughts with positive affirmations and practice daily visualization and gratitude journaling. Also, practical steps like automating savings and setting small financial goals gradually shift your mindset and help money blocks start to dissolve.
What causes money blocks?
The main cause of money blocks is the old beliefs and emotional patterns hidden in our subconscious mind, formed in childhood under the influence of family and society. Ideas like “money is evil” or “money doesn’t stay with us” get deeply ingrained in our minds and, as we grow up, affect our financial decisions, causing us to repeatedly face the same kinds of financial problems.
How will you know if you have a money block?
If you’re constantly facing money-related problems—like earning money but not being able to save, feeling fear or guilt about money, or not seeing yourself as worthy of financial success—these could be signs that you have money blocks. Additionally, repeatedly failing to achieve your financial goals is another major indicator.
What are some limiting beliefs around money?
There are many limiting beliefs about money that hinder our financial growth, such as “money is the root of all evil,” “rich people are greedy,” “I can’t handle money,” or “I’ll never have enough money.” All of these beliefs hold us back on a subconscious level, so it’s crucial to identify them and replace them with positive thinking.
