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Your Lack of Money Is a Money Problem (Or at Least You Think It Is)

A common theme I’m seeing come up over and over again among the customers of my clients’ businesses is this: “I’m broke. I can’t order/register/subscribe because I don’t have any money.”

I guess I can’t blame people for tossing out financial objections. After all, a lot of people are hurting financially, and we all have to face economic reality at some point. If there’s no money, there’s just no money!

When this happens, people are likely to think they have a money problem. They may even say things like “I have big money problems” or “We’re struggling because of our financial problems.”

But is a lack of money a “money problem”?

I don’t think so.

Usually, a lack of money is merely a symptom of some deeper condition. For instance, you may have:

  • A procrastination problem – Always waiting until tomorrow to do what could be done today.
  • A laziness problem – Never being able to bring yourself to WORK, much less WORK HARD.
  • A negativity problem – Always focusing on the bad things in life to the point where you are paralyzed by fear or hopelessness.
  • An attention problem – Glued to the boob tube, YouTube, cell phone, or Internet so often that you don’t have enough time to pursue your entrepreneurial dreams.
  • A discipline problem – Always starting things, never finishing them. Or working a lot on a project one week, then ignoring it for a month or more at a stretch.

Rarely do we actually have money problems. What we have are character problems.

Our bank accounts are often a reflection of how disciplined we are, how much value we give to other people.

Therefore: If you shift your focus away from the outward manifestation of money and turn that focus inward to see how you can improve yourself, then the pay-off will be far greater than you might expect.

Perhaps you’ll even be able to say goodbye to your so-called “money problems.”

-Ryan M. Healy

Ryan M. Healy

Ryan Healy is a financial copywriter and the author of Speed Writing for Nonfiction Writers. Since 2002, he has worked with scores of clients, including Agora Financial, Lombardi Publishing, and Contrarian Profits. He writes a popular blog about copywriting, advertising, and business growth, has been featured in publications like Feed Front magazine, and has been published on sites like WordStream.com, SmallBizClub.com, and MarketingForSuccess.com.

GinaParris - December 14, 2009

Well now, another reason I love your posts! Robert Schuller used to say, “You don't have a money problem – you have an idea problem.” But you hit it way on the head with your comments.

“Our bank accounts are often a reflection of how disciplined we are and how much value we give to other people.” Yes, but also a reflection of how CLEAR WE ARE on the value we bring, and how consistently we communicate that and deliver it.

I'm inspired to log off now, and get busy, but my heart breaks for those who are still trapped in fear and could use some accountability.

murraysearch - December 14, 2009

Nail on the head, many that read this article will not like to admit what the “real” problem is. Money is an outward manifestation of energy and focus, and our money problems really are as you mention above. Ouch! Sometimes the truth hurts, but then that is where personal development begins!

David Babineau - December 14, 2009

Interesting. So it seems we have…

Healy's Money Law: M = DV/k


M = Money
D = Discipline
V = Value
k = constant proportional to level of procrastination, laziness, negativity and ADD.

Sorry, my Physics background gets the best of me sometimes! :)

Great post (as usual)…


Diana Cacy Hawkins - December 14, 2009

Great post! And it rings true in 98% of the cases. The other 2% are in the situation not because of their attitude/character/idea whatever, but because they got hit with something out of their control.

(Percentages are my opinions only…I do not know what the actual truth is.)

I see two great training opportunities…

How to change your attitude to get rid of your 'money problem'.


How to persevere through uncontrollable circumstances and regain control of your money situation.

On focusing on entrepreneurial dreams and attitude, this post speaks soooo true. What's the percentage of people who actually use what they purchase in the first place? 33 percent? Think of how much better things would be if the rest would use the training and commit to making their lives better also.

Ryan M. Healy - December 14, 2009

Thanks for commenting and retweeting!

Yep. First comes the pain, then comes the change.


Ryan M. Healy - December 14, 2009

Ha! That's awesome.

All of a sudden I feel really important. :-)


Ryan M. Healy - December 14, 2009

Yes, I agree that sometimes people lack money because of health issues, emergencies, and other things that are out of their control.

Nobody plans or expects a major car accident, but if and when it happens (God forbid), the financial ramifications could be quite large.

On the flip side, I would argue that most health issues and disease are entirely planned by what we eat and do to our bodies. Most of us just choose to be unhealthy and turn a blind eye to our bad habits — until they catch up with us.


JosephRatliff - December 14, 2009

This is such a deep subject it's not even funny Ryan.

From doing deep searches within yourself to discover where your monetary priorities really lie…to (as you pointed out) discovering your character flaws…being honest with yourself and fixing them…

All of this plays a major role in success and other parts of your life as well.

Deeeeeeeeeeeeeeeeeeeeeep topic.

Nice article Ryan.

Iyabo Asani - December 14, 2009

That is a different perspective. I have never quite heard it put that way and I am a money coach. However, I do know that money, or the lack thereof, is a symptom of other stuff going on and how we hold ourselves apart from money because we do not believe that we deserve it.


Diana Cacy Hawkins - December 14, 2009

LOL On the flip side…the same could be said about most car accidents.

I like Healy's Money Law! (I missed that before.)

beckimaxson - December 14, 2009

Wow, Ryan, spot-on. I co-lead a Meetup group to help moms develop a home-based income, teaching them 5 different business models that work. We have one gal who's sitting happily with unemployment checks coming intill next July.

Why is she there? She doesn't want to do anything but be on the dole. I can't even look her in the eye. She's not disabled, she's a trained teacher, but doing nothing is easier.

Unfortunately I see that way too often — people who need more income, but aren't willing to give up their comforts to get down to work. Sorry, no sympathy for that.

jomer2000 - December 15, 2009

Hey! Are you lookng in my windows? Good post. Thank you.

Michael Beck - December 17, 2009

Spoken like a wise business owner! Laziness and procrastination are by far the biggest problems! These two we always have to overcome. Negativity is a close second, but it's one of the problems that can stay away once it's been conquered.

Ralph - December 20, 2009

I think you are absolutely right. I think it really is a lack of discipline and management. I've had that problem in the past and it rarely has to do with money. Great post!

ivatel - January 22, 2010

I never actually thought of like that but how true and inspiring this post is!

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