Money Mindset and Identity: Why Your Financial Habits Aren’t Changing (and How to Fix Them)

Everyone's Talkin' Money

Shari Rash

Self-improvement, Business, Health & Fitness, Mental Health, Education

4.2 • 648 Ratings

🗓️ 24 February 2026

⏱️ 41 minutes

🔗️ Recording | iTunes | RSS

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Summary

You’re not stuck because you don’t know what to do with your money. You’re stuck because of who you believe you are with money. In this solo episode, we’re breaking down the real reason financial habits don’t stick: identity. Because you can download every budgeting app, read every investing book, and still self-sabotage if your internal story says, “I’m bad with money,” “I’m behind,” or “I just need to earn more.” We’re walking through the identity → beliefs → behaviors → outcomes cycle, the most common money identities women carry, and the inherited money stories that have been shaping your decisions for years — often without you realizing it. And then we get practical. You’ll learn how to shift your financial identity in small, repeatable ways so your habits finally feel natural instead of forced. Because real change doesn’t start with a new strategy. It starts with becoming a different version of yourself with money. You’ll hear: How your identity quietly determines your net worth Why traditional financial advice fails so many smart, capable women The most common money identities — and how they show up in everyday life How family, culture, and comparison shaped your money story A simple process to start rewriting your financial identity this week If you’re ready to stop white-knuckling your finances and start operating like the woman who feels calm, clear, and in control with money — this episode is for you. If you’re ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone’s Talkin’ Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin’ Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Quick heads up. I'm hosting my first live money Q&A on Friday, February 27th at noon Eastern.
0:07.4	It's a real unscripted conversation where you can ask your own money questions, and it's exclusive to Talking Points newsletter subscribers.
0:16.8	The LinkedIn join will be sent in the newsletter, so make sure you are subscribed.
0:22.2	Check the show notes and I'll see you live on Friday, February 27th at noon Eastern.
0:28.7	Client said something to me recently that I have not been able to shake.
0:34.1	She looked at all of her numbers, the income, the savings, the fact that she's doing objectively
0:40.4	well, and she said, I still feel like I'm bad with money. I just, I don't get it. But nothing about
0:49.3	her financial life supported this statement. But it was that sentence running the show. And that's the moment
0:58.7	it hit me again, because I see this every single week. You will never outperform your money identity.
1:07.5	You can have the plan. You can have the spreadsheet. You can have me sitting across from you
1:12.6	on at the table or on the screen telling you exactly what to do. But if underneath all of that,
1:20.7	you believe I'm behind. I'm not good at this. I always mess this up. You will unconsciously make that true. And today we are talking
1:32.2	about the why. Welcome back to everyone's talking money. I'm your host Shari, and if this is your first time here, welcome. I am so glad you're here. This show is all about the psychology behind your money. Not the spreadsheets, not the skipier latte advice, the real stuff, the messy, emotional, complicated stuff that actually determines what you do
2:04.8	with your money. And today, today we are going deep. I want to start with something I've been
2:11.9	sitting with for a while and something I say to my clients and I want to say to you.
2:18.5	You will never outperform your money identity.
2:24.0	You could hand two people the exact same salary, the exact same budget template, the exact same financial advisor,
2:33.9	and five years later, they could still be
2:36.4	in completely different places. Not because one worked harder, not because one got luckier,
2:43.3	but because they had different stories about who they are with money. One of them believed,
2:50.6	somewhere deep down, that she was someone who
2:53.5	has figured things out. She believed that money was something she could learn and something she
	...

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