Beware the Two Thoughts That Can Make You Poor


There are two money phrases / ways of thinking that could be beavering away at making you poor without you even knowing it.

That’s why:

  • you must know what they are;
  • you must become conscious of how often you use them; and
  • you absolutely must ban them from your vocabulary if you want to create wealth instead.

In this video I reveal what these two phrases are, explain why they are so dangerous for your wealth and what to use instead that will significantly transform your financial future for the better.

There really is magic and power in words, so watch the video now.


If you watched the video you will now know that the first phrase you absolutely must ban from your financial vocabulary is …

… “I can’t afford it”.

It does however say a lot about the way you’re living your life.

Are you experiencing a rich, juicy life?

The real problem when you say, “I can’t afford something”, is you shut down your creativity and your extraordinary ability to create what you want.

You shut down your unconscious’s ability to go, “how can I afford it?”

This does not mean you whip out the credit card or go into debt saying, “to hell with it, I’m just going to have whatever I want now”.

That whole “buy now, pay later”, “you deserve it”, “because you’re worth it” – kind of mentality is a speedway to poverty.

This is about if you being really clear that this is something that you value, that you really want in your life – something that’s going to add to your wealthy living.

The question is then, not “can I afford it””, but “how can I afford it?”.

It’s about opening up your mind, creativity and tenacity to move forward and find a way to have the life you want. It’s about going, “what can I do to enable me to have that thing in my life in a way that is wealthy, for me, for my family, for my community, and ultimately for the Earth?”

This is conscious wealth.

This is about expansive wealth. Use powerful questions that bring solutions like …

  • “how do I afford it?”
  • “how do I have what I want in my life in a way that is expansive?”

No longer “I can’t afford it”, but “how can I afford it?”, and “what am I prepared to exchange for it?”

Every single thing in our life is an exchange.

An exchange of time, value, energy, money, focus…

These are the resources you have available for exchange which is why it’s so important to be clear about the “cost” of the things you say you want.

Ask yourself – “what is this worth to me in terms of what I’ve got to exchange it for?”

Doing this is so amazingly powerful because you can really get congruent about “do I really want this?”

If it’s a big fat YES – that’s fantastic and you know you’ve taken full responsibility for the “cost” of having it.

If it’s a big fat NO – that’s fantastic because you remember that everything is a choice and you are the one making the choice so you can let it go with joy.

The second phrase you’re absolutely banning from your financial vocabulary is “can I afford minimum monthly repayment?”.

If you’ve made spend decisions in the past based on whether you can afford the minimum monthly repayment, then please make a commitment to stop this insidious money pattern NOW!

We are immersed in a culture where it’s become “normal” to base almost every spend decision on these little slices of minimum monthly repayments.

Fatal, fatal, fatal.

This is the tail wagging the proverbial dog.

No, no, no.

From now onwards you break out of that poverty inducing thinking and instead go…

“What is going to be the home / car / wardrobe / holiday… that fits into my financial plan in a way that doesn’t deplete me, that still allows me to direct money  to the other segments of my wealth pie, and serves the whole of me and my financial wellbeing?”

Only once the whole is considered, do you think about repayment options.

Then you go, “how am I going to slice this cost down and afford it and bring it into my monthly repayments in the best way?”

You always want to know what the total cost of ownership is of anything that you’re bringing into your life.

Be it a car, be it a home, that gym membership…

Understand what the full implication is of your buying decisions.

Total cost of ownership is the amount of money you’re going to spend on it over the full payment term.

If it’s a 24-month contract, what is that real total cost?

This includes the interest you’re going to be paying. It is so important that you add this in. Because when you’re paying for something on a credit card, loan, overdraft or payment contract and you’re paying only the minimum monthly repayment requires – know that it’s structured in a way to keep you in debt for as long as possible.

Because, debt is powerful.

Whoever you owe money to holds the debt over you and has significant power over you.

If you knew that that pair of shoes that you’re about to put on the credit card and just pay that monthly repayment on, if you knew you were actually going to end up paying between 12 and 18 times the cost of that pair of shoes would you really, really be buying that pair of shoes? Or that car? Or even that home?

Being financially savvy means understanding the full total cost of ownership BEFORE you make your buying decisions.

AND you’ve also got to understand the phantom costs.

These are the costs that you bring into your life as a result of owning that thing or entering into that minimum monthly repayment.

In terms of a car you drive, phantom costs include insurance premiums, the fuel consumption, the cost of maintenance and so on.

This is where you clearly see the relationship between your liabilities and your expenses which is covered in the money flows article and video so succinctly.

Breaking the minimum repayment mindset is going to be your fastest way to claiming back your power, claiming back your life, and getting a lot more from wealth your money.

Now that you know these two wealth sucking ways of thinking, in the comments below, please tell me:

“Which of these have either prevented you from having the things you’ve wanted or made you make buying decisions that haven’t been great for you?”

Let us know, and then you can consciously change that in your life.





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  • Hi Ann. This is in alignment with I have been doing, and teaching, for many years now. The “How can I afford it?” has allowed me to partner with others to buy apartment buildings when I didn’t have enough money on my own. In the last 20 years I have gone from flat broke to become a multi-millionaire because I changed the self talk. Thank you.

  • Zandile says:

    Thank you for sharing.

  • Sandra Erasmus says:

    I can not afford it. We grew up with a single Mom, who did her utmost best for us, but we scraped through as we were 4 kids Mom had to bring up after Dad died very young of a heart attack. I will NEVER let those words come out of my mouth ever again. I have a grandson that I need to help who has a single Mom bringing him up, and i have made a pledge to myself to teach him from the word go to use the words: HOW will I be able to afford that?

  • tri says:

    I had a bad chiropractic adjustment and now I cannot walk. I have tried getting a job no luck. I have tried getting this fixed, getting a lawyer no luck. my brother owes me thousands of $$$ in back taxes on a property we co-own… he won’t pay. Any creative ideas are welcome because I have run out of them and I am in debt up to my eyeballs now from this bad adjustment.

  • Judy Diedericks says:

    I can’t afford it

  • Gerald Strever says:

    Great stuff! Thank you for sharing!


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