Malleable Money Mindset

Malleable Money Mindset

At age 5…

I didn’t quite know that money was even real. Life consisted of hanging out at the playground on the monkey bars during recess & learning to share brightly colored Crayola crayons with my classmates. Life just happened, and innocence carried all of us youngins’ along.

At age 10…

I surpassed the years of experiencing that it’s ‘great to be 8,’ and it’s ‘fine to be 9.’ Those years didn’t quite phase me anymore because I reached the big ol’ double digit ages. I couldn’t wait to become a teenager with a beeper on my hip, and take on a J-O-B. I completed chores around the house to earn an allowance from my parents. Most purchases were trinkets, toys, and posters to decorate my room (because boy bands were sooo dreamy).

At age 15

I landed my first job in high school. Wait, scratch that – two jobs! I finally hit that high responsibility phase I dreamed of when I was younger. I was earning my own money & learning the fundamental basics of how to utilize my checking & savings account. No credit cards yet, just a single debit card. Most of my money went to gas (to get to and from my jobs, as well as school) and well, let’s face it…shopping with my girl friends (especially on pay days).

At age 20... 

So this is what it’s like to live on a tight budget. Forget the fact that just one college credit was pretty much the cost of $150+. I had about $20 left in my account from my internship stipend that could help me go out to dinner with my friends! Savings…yeah, that just wasn’t an option. I was just coasting. Money responsibility was potentially the last thing on my mind next to studying, passing classes, internships/jobs, and participation in organizations.

At age 25

Time to kick it into high gear financially, and the main person who is going to make that change is me. For the first time ever I have a real world job with a salary offering more money than I have ever seen before. I’m experiencing what benefits are and what it’s like to start funding a retirement plan. After I paid off my student loans, I started jumping into the world of investing. There is so. much. to learn regarding finances it can be overwhelming, but I’m ready to build a strong foundation for the rest of my life, my family’s lives, my loved one’s lives, and even stranger’s lives.


The following five year increments throughout my life so far depict my evolving thoughts around money. A great deal may have happened in between, but the principals between each step of life continued to change. I was never stagnant, or stuck with the way I viewed my financial situation. I may have witnessed hard times (2008 recession), or glorious ones (the opportunity to work two jobs simultaneously)…

but the one element that was constant regarding my view on money was change. 

Each one of us can foster a malleable money mindset. Our mindsets can be pliable, without facing the threat of being broken. They are flexible and ever-changing. When doubt settles in because debt feels as if it is swallowing us whole, or we’ve experienced a job loss, endured a life changing event, received an unexpected windfall, or maybe even won the lottery…we have the ability to restructure our money mindset. How we view money now can indefinitely change and be refocused.

Life will not be painful forever. Times may not always be glorious. How we take on life situations with grace and certainty will allow us to progress to each new phase building upon our money mindset. So how would you like your money money mindset to be?

Is it a positive one where you can tackle all of your financial goals, and lead a life of financial independence?

Is it a strong one where you can provide for those around you because putting others before yourself does not phase you one bit?

Is it a peaceful one where solace allows you to accomplish your passions without stress? 

Whatever, or however you choose for your money mindset to be…just know it is a malleable one. Regardless of where you have been, or where you are going it can feasibly change. Begin now. Allow yourself to have a malleable money mindset that will allow you to accomplish your life goals and aid those around you.

What is your money mindset like? How has it evolved over time? How do you think your money mindset will change in the future?

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9 thoughts on “Malleable Money Mindset

  1. Great post! I’ve always been a “saver” – it’s how I was raised. It kept me out of debt (until we bought a house) and allowed me to pay for grad school in cash. But my problem was that I always thought if I was saving “x” amount that entitled me to spend the rest. Which is probably true in some ways. But I was pretty careless with how I’d spend some of that money and ended up with a whole BUNCH of stuff.

    Liked by 1 person

    1. That’s fantastic! Having that natural knack for saving from the beginning is definitely something to be proud of. I completely understand when you reach that goal of saving “x” it almost feels like a “whoo-hoo!” moment, where there’s freedom to spend at your leisure. I’ve definitely worked on reframing that mentality where even if my goal is “x,” what can I do additionally to add to that as well? Thanks for stopping by!

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  2. This is so, so true. We are not naturally frugal — not even a little bit. And we used to spend a now-embarrassing sum on travel and dinners out. Sometimes we think that we could already be retired by now if we’d reformed our ways earlier, though malleable thinking. But, we also love those memories, so we’re glad we had our live-it-up period, and now we’re happily hunkered down in a more frugal lifestyle. But back when we were spending a lot, it was easy to think of our goals as far off or even unachievable. But changing our mind and seeing our goals as reachable, we gave ourselves the motivation to get on the early retirement path. Great post! Have a wonderful long weekend, Alyssa!

    Liked by 1 person

    1. No such embarrassment/judgment here! 🙂 It’s difficult not to look back in hindsight, but I am sure all of your decisions helped you to create “Our Next Life” and your early retirement goals for the now! I am so glad to hear that you’ve been able to reform the way you see your goals as achievable, and have no doubts you will reach them! Enjoy your long weekend as well! 🙂

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  3. Good for you – it is great to read that you are thinking about and saving for retirement at such a young age. I have always been a natural saver and saving was always demonstrated in my home as a kid. I started babysitting at about 12 or 13 and got an actual job (Domino’s Pizza) at 16. From early on, I knew the expectation was that I should be paying for half of my university tuition so I always had a goal for saving and didn’t want to disappoint my parents. I think this was a really important lesson. I am still really good with money to this day.

    Liked by 1 person

    1. Thank you, Jess! That’s fantastic that you were able to develop such natural saving habits at such a young age. Congratulations on being able to pay for half of your tuition, that is huge! Once you start the foundation of those great saving habits, it’s much more feasible to carry them on throughout the rest of life. 🙂

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  4. Isn’t it crazy how much your mindset on money can change over time? Just like you, I remember being young and oblivious to the fact that money existed. My parents also never talked about it, so I probably didn’t actually understand how much money people could reasonably expect to make until my very late teens.

    I do agree with your point that the only thing guaranteed is change. It’s crazy to think of how my views on money will change even five years from now from where they are today.

    Liked by 1 person

    1. Hi Elle,

      It absolutely is crazy! The progression of my views on money is astounding. What I am confident in is recognizing that progression, and if I continue to focus on it my I can only become more comfortable & empowered with how I handle my finances. It will be very interesting to see how in another 5 years how things have changed! Thanks so much for stopping by!

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