How To Create An Affluent Relationship With Money

Is an Affluent Relationship With Money a Good Thing?

There’s a lot of stigma surrounding money.

It can feel like a constant struggle—something you need, but aren’t supposed to care too much about. Many people feel torn between the desire for financial freedom and the belief that “good” people shouldn’t focus on money. I understand that conflict. It raises a valid question:
Should we even aim to have an affluent relationship with money?

The truth is, financial wellness is a part of overall wellness. Living without constant stress, eating healthy, and giving generously all require some level of financial stability. Success in these areas is often tied to your relationship with money.

The word “affluent” means “overflowing”—but true affluence is more than just money. A genuinely affluent person is rich in six areas of life:

• Spiritual
• Mental
• Emotional
• Physical
• Financial
• Relational

If any one of these areas is lacking, you haven’t yet reached full affluence. And while financial health isn’t the only piece—it is a necessary one. Still, because of harmful money messages like “money is the root of all evil” or “more money means more happiness,” many people avoid the topic altogether.

But here’s the truth: a conscious, balanced relationship with money helps you manage it with more ease and less stress. When money is no longer a constant source of worry, you’re free to focus on the other areas of your life too.

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Are you blocking or attracting wealth?

You’re doing one or the other—every single day, without even realizing it.
Find out if you’re a Money Magnet by taking my free quiz.

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What Should an Affluent Relationship With Wealth Look Like?

When you think of wealth, what comes to mind? For many people, having an overabundance of money might suggest luxury, excess, or constant spending. But that’s not what an affluent relationship with wealth actually looks like.

True affluence allows you to spend money in alignment with your values—not to impress others or fill a void. Let’s take a look at two common examples of unhealthy wealthy behaviors.

The Over-Spender: Wealth Without Conscious Choice

An unhealthy affluent person often spends simply because they can—not because they truly want or value what they’re buying. Their choices are driven by external pressure, not inner alignment. They eat at upscale restaurants, buy the newest car, or chase the latest fashion trend—not out of joy or need, but to project an image of success. They may also give money in ways that appear generous but come from a need to feel powerful or admired. This often reflects the experience of someone who inherits wealth without being grounded in their own values.

The Miser: Wealth at the Expense of Life

On the opposite end, someone who works their way into wealth may form a controlling or fear-based relationship with money. They value practicality above all else—wearing basic clothes, avoiding spending unless absolutely necessary, and searching endlessly for the best deal. They may sacrifice relationships, spiritual health, and rest in their pursuit of financial success. Though they’ve achieved wealth, they rarely allow themselves to enjoy it. Their giving is often limited, and they hold tightly to their resources out of fear of losing them.

If you know the two common pitfalls, it becomes easier to see what a good relationship with money would look like:

• You understand the value of money and the hard work it takes to get it
• You realize those around you may need help, and you are eager to do more than just throw money at their problems (but you aren’t stingy if money is required)
• You value spending money on the things you enjoy
• You are free to support sustainable and ethical companies (even if they cost more)
• You realize that the accumulation of money itself doesn’t bring happiness, but that setting some aside can make an emergency much easier to handle

How Is Wealth Achieved?

If you’ve ever asked yourself, “How is wealth achieved?”, the answer may be more practical than you think. Lasting wealth comes from a combination of clear goals, healthy boundaries, and consistent action. It might feel overwhelming at first, but each step builds a stronger foundation for financial success.

Maintain Low or “Good” Debt

One key step in achieving wealth is learning to manage debt wisely. There’s a major difference between “bad” debt and “good” debt. A home loan or student loan can be a long-term investment in your future. But credit card debt often results from overspending and comes with high interest rates.

To start improving your finances, calculate your monthly debt-to-income (DTI) ratio—aim to keep it at or below 36%. When you spend less than you earn, you create space for financial growth and long-term wealth.

Create a Reliable Safety Net

Another crucial part of building wealth is having a strong financial safety net. Emergencies can happen at any time—and they usually do. Whether it’s a layoff, a car repair, or an unexpected medical bill, your emergency fund helps prevent you from falling back into debt.

A well-funded emergency account gives you peace of mind and financial stability. Keep these savings liquid and only tap into them when absolutely necessary.

Save Intentionally for Future Goals

Once your debt is under control and your emergency savings are in place, it’s time to think ahead. What are the things you want but can’t afford yet? Those become your savings goals.

Whether it’s a home renovation, a new car, or a dream vacation—planning ahead and saving cash allows you to enjoy those milestones without financial stress. This step reinforces the answer to “how is wealth achieved”—through clarity, planning, and alignment with your values.

You either attract money into your life or you block it—every single day!

The Money Magnet Quiz shows you how much you do of each. Take the quiz here.

Get your Money Quiz results here!

7 Ways to Create an Affluent Relationship With Money

The relationship you have with money plays a key role in balancing your six areas of wealth. When you treat money with purpose and awareness, it becomes a tool for growth—not a source of stress. Here are seven powerful ways to shift into an affluent relationship with money:

1. Care for Your Needs
   Know the difference between what you need and what you want. Needs include things like housing, utilities, basic groceries, healthcare, and childcare. Wants are things like streaming services, gourmet coffee, or impulse purchases. A healthy financial foundation begins when your needs are clearly defined and prioritized in your monthly budget.
2. Understand That Joy Is Important
   Spending money on things that bring joy isn’t bad—as long as it’s intentional. Small treats, like a lunch with friends or a new book, can be valuable if they stay within your means. You can even use joyful spending as a reward after hitting a financial goal, like paying off a credit card.
3. Practice Financial Self-Awareness
   Being honest about your financial reality is the only way to improve it. Whether you’re thinking about changing jobs, planning a vacation, or buying a home, stay grounded in what works for you. No one else will understand your money situation like you do. Trust your own awareness over outside pressure.
4. Meditate on Money Affirmations
   Rewiring your mindset about money is key. Affirmations can help you shift from fear to peace. I’ve put together a helpful list of Top 10 Money Affirmations to support your journey toward a wealth-conscious mindset.
5. Avoid Comparing
   “Comparison is the thief of joy.” – Teddy Roosevelt
   When you compare your financial situation to someone else’s, you may end up spending out of insecurity or chasing things that don’t really matter to you. Focus on your growth and goals, and find pride in your progress.
6. Adjust Your Goals
   Even when your income increases, continue to live below your means. Saving your surplus brings more long-term peace than lifestyle inflation. Revisit your goals regularly and make sure they still align with your values.
7. Learn to Love Money—and Yourself
   Your relationship with money mirrors other relationships in your life. It needs honesty, effort, and care. Forgive yourself for past mistakes, and commit to understanding your money story. Take a long-term view. Ask yourself: What does success look like for me?

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Everyone defines wealth differently. What matters most is striking a balance—especially in your relationship with money. Living a great life doesn’t always require spending more. With planning and creativity, you can create financial freedom. It may not always be easy—but I know you can do it. And I promise, the peace and confidence that come with financial clarity are worth it.

Let’s get you started on your new experience with money.

On January 5th, I’m leading the Healing Center members through a guided experience of the 30-Day Money Cure. All you have to do is become a member to join us for this powerful group experience.

Bless you,