“I Don’t Invest Because I Don’t Have Money” – Or Is It the Other Way Around?
Is Being Broke a Choice?
You know that phrase people throw around—“Being rich is a choice”?
I used to roll my eyes at that.
Because if it was really just a choice, wouldn’t more people be rolling in it?
But the older (and bolder) I got, the more I started to see what that sentence actually meant.
And also… what it didn’t.
Let’s break it down.
The Real Block Isn’t Money. It’s What You Believe About It.
I’ve had people tell me, “Monica, I’d love to invest, but I just don’t have the money.”
And I get it. When your bank balance looks like a desert and bills are breathing down your neck, investing feels like a luxury fantasy.
But here’s what I’ve seen again and again—both in my own life and in the people I coach:
They don’t have money because they’ve never been taught how to use it, grow it, or think about it differently.
It’s not about blame. It’s about the way we were raised.
Some of us grew up hearing “money doesn’t grow on trees,” “rich people are greedy,” or “you have to work yourself into the ground to have enough.”
So what do we do?
We don’t invest. We don’t save. We don’t learn.
We avoid, delay, and hope something changes.
But the truth is... nothing changes if nothing changes.
“I’ll Invest When I Have More” – The Most Expensive Lie We Tell Ourselves
This one hits deep.
Because I used to say it too.
“I’ll buy that course when I have more money.”
“I’ll sit down and sort my finances once things calm down.”
“I’ll start saving next month when things look better.”
Spoiler alert: they never magically looked better.
Until I decided to do the opposite.
To stop waiting for more money to show up… and start showing up for myself.
Learning. Asking questions. Facing the stuff I avoided for years.
And that’s when money started to shift.
Not because I won the lottery or manifested gold bars out of thin air…
But because I finally stopped playing small with it.
So Is Being Broke a Choice?
Yes… and no.
You don’t choose the family you’re born into.
Or the economic system.
Or the crap advice society feeds you about money.
But once you’re aware of that—and you choose to stay in that mindset forever—then yeah, at some point, it does become a choice.
Because every time you avoid learning about money, you’re making a choice.
Every time you tell yourself “it’s too late” or “I’ll sort it later,” you’re making a choice.
And every time you believe money is for other people and not you—you’re locking the door from the inside.
If This Feels a Bit Uncomfortable… That’s Not a Bad Thing
Growth never feels cosy.
But you’re not here to stay stuck.
You’re not here to repeat your parents’ financial patterns.
You’re not here to spend your life earning and still feeling like it’s never enough.
You’re here to learn. To grow. To heal.
To reboot how you think about money so you can start creating actual freedom—not just in your bank account, but in your mind.
And that starts with one tiny but powerful decision:
To stop saying “I don’t have enough,” and start saying “I’m ready to learn what I was never taught.”
Ready for a Reset?
If this hit home, I’ve created something for you.
It’s called the Money M.O.T. – a no-fluff, real-talk session where we look at your relationship with money, where it's keeping you stuck, and how to shift it in a way that actually works for your life.
No shame. No lectures. Just clarity, alignment, and a bit of money mindset magic.
👉 Keep an eye out—waitlist opens soon.
Or just send me a message if you’re ready to take the wheel instead of staying stuck in neutral.
Remember this:
You don’t need to be “good with money” to start.
You just need to be done with the BS stories holding you back.
And once you get that part sorted…
Money starts showing up differently.
Nothing changes if nothing changes ;-)