Ep 64: Why You Sabotage Your Own Financial Goals (And How to Stop)

Welcome back to Money on My Mind! Today’s episode is one of the most personal and powerful I’ve ever recorded. Despite battling a heavy heart and a tough cold, I felt compelled to sit down and share something deeply important: why we so often sabotage our own financial goals—and more importantly, how to break the cycle.

I open up about recent personal loss and the emotional struggles that come with it, tying it all back to how our mindset and subconscious beliefs can quietly but forcefully derail our money journey. We dive deep into childhood money scripts, upper limit beliefs, fear of success, and the psychological traps that keep us stuck. If you’ve ever wondered why it feels so hard to follow through with your financial plans, this episode is for you.

Timeline Summary

[0:00] - Introduction

[0:41] - Why we set goals but never follow through—and why I still showed up to record today

[2:15] - How self-sabotage and upper limit beliefs shape your financial ceiling

[4:39] - The impact of childhood money scripts and subconscious programming

[8:27] - Personal story: learning money lessons the hard way as a kid

[13:05] - Fear of success and how our past can create hidden resistance

[16:58] - The tribal psychology of money and fear of outgrowing your circle

[21:07] - Stockholm Syndrome and why staying broke sometimes feels safer

[25:01] - Signs you’re sabotaging your success—spending sprees, over-research, and distractions

[29:31] - Tools to interrupt self-sabotage and shift your financial identity

[39:13] - Journal prompts to help rewire your beliefs and unlock new success

Quoteables

“Until people see themselves as someone who handles money well, they’ll keep proving the opposite.”

“Sometimes we’re not afraid to fail—we’re afraid to succeed and lose it all.”

“Money is energy. Money is value. Money is not time spent.”

“If I had money already, what would I be doing differently?”

“You don’t need to be great to start, but you need to start to become great.”

Links & Resources

• https://bookwithbudgetdog.com/ped

If this episode spoke to you, I’d be grateful if you rated and reviewed the show! Don’t forget to follow Money on My Mind and share it with someone else who might need to hear it. Your financial freedom starts with your mindset—let’s rewire it together.