Money and Self-Worth: How They’re Connected

We often think money is about numbers, paychecks, savings accounts, and bills. But truthfully, your relationship with money says far more about how you see yourself than it does about what’s sitting in your bank account.

Money and self-worth are deeply intertwined. One reflects the other. If you’ve ever undercharged for your work, struggled to ask for a raise, or felt guilty about spending on yourself, it’s not about the money. It’s about how worthy you believe you are of having more.

Let’s dive into how your self-worth shapes your financial reality, and what you can start doing today to elevate both.

1. Your Money Reflects Your Beliefs About Yourself

If deep down you believe you’re not “good enough,” “qualified enough,” or “ready yet,” your bank account will mirror that story. You’ll hesitate to put yourself forward for opportunities and you’ll overdeliver and undercharge. You’ll say “yes” to less than you deserve because somewhere inside, you’ve tied your value to proving your worth, instead of owning it.

When you carry low self-worth, money becomes a mirror for that lack. You attract situations that reinforce those feelings, low-paying jobs, unreliable clients, or constant financial stress.

The opposite is also true. When you know your worth, you make choices that honour it. You charge what you’re worth, you'll negotiate and you walk away from anything that doesn’t align with your value.

2. The Guilt Around Earning More

Many women subconsciously feel guilty for wanting wealth, because we’ve been taught that desiring more is “selfish” or “materialistic.” But the truth is: money is neutral. It’s simply energy, a tool that amplifies who you already are.

When you have more, you can give more. You can support your family, donate, invest in your growth, and create opportunities for others. There’s nothing shameful about wanting abundance, it’s your birthright.

Releasing guilt around earning is an act of self-respect. You deserve financial peace, security, and overflow.

3. How Self-Worth Shapes How You Handle Money

Self-worth doesn’t just affect how much money you attract, it influences how you manage it once it’s in your hands.

When you don’t feel deserving, you might:

✦ Overspend to fill emotional voids.

✦ Underspend because you don’t believe you “deserve” nice things.

✦ Avoid checking your bank account out of fear or shame.

But when you respect yourself, you start respecting your money too. You budget with purpose, you invest wisely, and you spend on things that enrich your life instead of drain it.

Financial confidence grows naturally when it’s rooted in self-worth.

4. Practical Steps to Strengthen Both

Here are a few ways to start realigning your money and self-worth today:

1. Audit Your Money Beliefs — Write down the first five phrases that come to mind when you think of money. Are they positive or rooted in fear?

2. Start Charging Your Worth — If you’re in business or freelancing, raise your rates. You’re allowed to.

3. Speak Wealth Affirmations Daily — Replace “I can’t afford that” with “I’m attracting the resources to afford that.”

4. Celebrate Financial Wins — Every time you save, invest, or make a smart money decision, celebrate it, no matter how small.

5. Surround Yourself with Abundance — Listen to wealth podcasts, follow financially empowered women, and immerse yourself in abundance energy.

Money is an extension of your energy. When your self-worth expands, so does your capacity to earn, receive, and hold wealth.

You don’t need to chase money, you need to align with it. The moment you see yourself as worthy of more, you begin to attract more.

You are not defined by your income, you define your income by the way you value yourself.

By|womenwhoslay

@womenwhoslay