The Invisible Money Scripts Sabotaging Your Success (And How to Rewrite Them)

My Personal Financial Adviser Paradox

• How I spent years giving brilliant financial advice whilst being unable to follow it myself
• Why excess money never felt safe to hold - everything above day-to-day needs felt dangerous
• The realisation that it wasn't about willpower, knowledge, or self-control
• How inherited beliefs about money scarcity and "dirty money" from family arguments shaped my nervous system responses

Understanding Borrowed Beliefs - The Father Christmas Analogy

• Borrowed beliefs as gifts in Father Christmas's sack - given with love but not all serving us today
• How these beliefs often hold secondary gains and serve us in some way (usually safety)
• The importance of returning unused "gifts" with love and gratitude to break generational patterns
• Why changing our money relationship impacts every future generation

Where Inherited Money Scripts Come From

• Family dynamics and early childhood experiences (my Warwick Castle story about my brother losing £20)
• Religious and cultural influences on money beliefs
• Specific historical events our families lived through
• Personal money experiences that create lasting impressions
• The crucial question: "In my family, money was..."

The Three Predictable Patterns of Borrowed Beliefs

Low Receiving Pattern:

• Difficulty allowing money, opportunities, or compliments to come in
• Common beliefs: "Rich people are greedy," "Money corrupts people," "I don't deserve money"
• Shows up as: undercharging, deflecting compliments, turning down opportunities, feeling guilty about success
• My personal example of struggling with praise and awards

Low Holding Pattern:

• Brilliant at making money but terrible at keeping it
• Common beliefs: "Money disappears anyway," "Something bad happens when I have too much"
• Shows up as: impulsive spending after earning well, self-sabotage when successful, anxiety about bank balances
• Case study of my student hitting six-figure months then immediately booking lavish holidays

Low Giving Pattern:

• Fear-based hoarding rather than conscious saving
• Common beliefs: "I can't afford to be generous," "If I