What if your money struggles have nothing to do with your circumstances, your background, or even your current bank balance? The real barrier to financial abundance is often the conversation happening in your mind about money.
Despite working hard and making sensible choices, something invisible keeps wealth just out of reach for too many people. That something is limiting beliefs: the mental programming that whispers “I’m not worthy of wealth,” “Money is for other people,” or “I don’t deserve abundance.”
This is where money affirmations become transformational. Money affirmations are powerful phrases that gently reshape how you think and feel about wealth.
Over my thirty-year career as a therapist, I’ve worked with everyone from international superstars to struggling single parents. Whether someone earns $20,000 or $20 million a year, the same internal voice often holds them back.
That’s why I created Rapid Transformational Therapy (RTT) – to help people identify and reshape the root beliefs that create their reality.
Through my work with thousands of clients worldwide, I’ve seen the same pattern: when you change your relationship with money at the deepest level, everything changes. Your earning potential, your ability to spot opportunities, your confidence in asking for what you’re worth.
In this guide, you won’t just learn affirmations to repeat mindlessly. You’ll discover how to embed them for lasting abundance, how to make wealth feel familiar instead of foreign, and how to develop the unshakeable belief that you are absolutely deserving of financial freedom.
Because here’s what I know: there are people who’ve come from nowhere and created phenomenal wealth. If other people can do it, you can do it too.
If you’re ready to reshape how you think about money, I’ve created a special free daily hypnosis that affirms your worth in acquiring and growing wealth. Use it as a tool to help you discover abundance all around you.
Why Money Affirmations Work: The Science Behind Them
Here’s what most people get wrong about money affirmations: they mistake them for wishful thinking or acting “as if.” They believe affirmations are like magic spells you recite hoping for miracles. But money affirmations aren’t fantasies. They’re strategic tools for reprogramming your subconscious mind, the part of you that truly drives your financial reality.
A 2015 study shows that self-affirmations can boost motivation and positive change by activating the brain’s reward system. Thinking about the future makes these affirmations even more powerful.
Your mind accepts repeated words as instructions. Every time you tell yourself “I can’t afford it” or “There’s never enough money,” your subconscious treats these statements as commands and works tirelessly to make them your reality.
The good news? This same mental power that’s been working against you can start working for you instead.
Your mind is hardwired to return to what is familiar while resisting what is unfamiliar. When you focus on “I can’t afford it,” you move toward lack.
But when you say “I am having that” or “wealth flows to me easily,” you’re focusing on abundance. Your mind doesn’t distinguish between imagination and reality so it responds to the mental pictures you create and the words you repeat.
The beautiful thing about money affirmations is how they gently update the old stories running in the background of your mind, helping you finally see and seize the financial opportunities that were there all along, just waiting for you to notice them.
Do Money Affirmations Really Work?
Sceptics will often ask, “Do money affirmations really work?” Yes, they do, and science backs this up.
Science backs this up beautifully. Studies show that when you use affirmations, something amazing happens in your mind: you naturally feel more motivated, more positive, and more ready to take action.
Affirmations activate the brain’s reward pathways, increase motivation, and strengthen positive behaviour change. When you repeat them consistently, they help reprogram the subconscious beliefs that keep you stuck in patterns of lack and scarcity.
The real power of affirmations lies in their ability to make abundance feel familiar rather than foreign. Your mind likes what’s familiar and doesn’t like what’s unfamiliar. By training your mind to expect wealth instead of fear it, affirmations create the mental environment where financial opportunities can flourish.
Affirmations work by making wealth feel normal before it arrives.
The Mindset Shift: From Scarcity to Abundance
Now that you understand how your mind creates your financial reality, let’s address the specific beliefs that need to change. The most damaging money myths include “Money is the root of all evil,” “I’m not good with money,” “Rich people are greedy,” or “There’s never enough to go around.”
Money itself is neutral. It’s energy—a tool that amplifies who you already are. If you’re kind and generous, money makes you more so. The problem isn’t money but the unhealthy pursuit of wealth at the expense of everything else that creates issues.
The abundance mindset works differently. Instead of thinking “There’s not enough,” you recognise that wealth is expandable. When one person succeeds, it doesn’t mean less for everyone else. Wealthy people often create more opportunities, jobs, and resources for others.
The shift starts with one simple truth: you already deserve wealth and abundance. You always have. Your sense of worth directly influences your financial outcomes .
When you know you’re enough to pursue your dreams, to ask for more, to believe the sky is the limit, everything changes. You become enough to do more, be more, have more, and share it with the world.
The wealthy clients I’ve worked with all share the same mindset: “I absolutely deserve this. The more money I have, the more good I can do.”
This belief that your abundance creates abundance for others eliminates the guilt and shame that keep people playing small financially.
Worthiness is the foundation of abundance. Everything else builds on this simple but profound shift: believing you deserve wealth because abundance is your natural state.
Three Steps to Attract Wealth
With the right mindset in place, you need a practical roadmap for creating wealth. All successful people follow the same three-step process, whether they realise it or not. These aren’t complex strategies but simple steps that anyone can follow.
Step 1: Identify Your Gift
Think back to when you were between seven and fourteen. What did you absolutely love doing?
This period holds crucial clues to your unique talents. It’s very hard to succeed at something you absolutely hate, but when you work with your natural gifts, success becomes much more attainable.
I was writing stories about children without mothers. I became a therapist helping people heal. Your gift lies directly behind what you naturally love to do.
Money affirmations support this step by reinforcing: “I am talented. I am recognising my unique gifts. My skills are valuable and worth monetising.”
Step 2: Perfect Your Gift
Once you’ve identified your core talent, develop the complementary skills that make it marketable. We live in a world with thousands of tutorials and learning resources.
Having a gift is wonderful, but here’s the secret: you also need to learn how to share it with the world in a way that serves others and rewards you.
One client got her products into Sephora, but they planned to drop her line. Instead of accepting defeat, she went into the stores every day and learned the skill of selling directly to customers. She now has one of their highest-performing ranges.
Often your second skill needs to be marketing yourself, learning to pitch, or understanding how to communicate your value. You can learn PR, social media, or sales, whatever your gift requires to reach the world.
Step 3: Take Your Gift to Market
This is where many people get stuck. I worked with a talented artist who couldn’t get her work into galleries. Why? She never even tried. She said, “Oh no, I just can’t do that.”
But here’s what changed everything: First, she used affirmations to build unshakeable belief in her worth: “I’m an amazing artist. My work deserves to be in gallery windows. People love my work.” Then she learned how to pitch properly and present her work with confidence.
When she finally approached galleries, the first one said, “It’s not our style, but there’s a gallery over there who would love your work.” She left with her painting in their window.
You must do all three steps in sequence. When you combine identifying your gift, perfecting it, and courageously taking it to market with powerful affirmations about your worthiness, not only will you go to success, success will come to you.
How to Attract Money Immediately
You might be wondering how you can attract money immediately.
Lasting wealth comes from mindset shifts and consistent action, but you can speed up results by combining affirmations with bold moves. Confidently pitch your work, charge what you’re worth, or say yes to opportunities you’d normally avoid.
The key is pairing the internal work with external action. Your affirmations reprogram your mind while your actions prove to your subconscious that you’re serious about change. When you do both simultaneously, you create momentum that attracts money faster than either approach alone.
What Is the Best Affirmation to Attract Money?
I’ve seen this question surface many times: what is the best affirmation to attract money. There isn’t one magic phrase that works for everyone. The best affirmation for you depends on the specific limiting beliefs you’re carrying around money.
For some people, “I am worthy of abundance” is the most powerful affirmation because it directly addresses feelings of unworthiness. For others, “I am a money magnet” works better because it shifts their focus from scarcity to opportunity. You need to match the affirmation to the belief you’re trying to change.
Over three decades of working with clients, I’ve seen how pairing affirmations according to clients’ limiting beliefs completely transforms financial confidence and opens the door to wealth.
Keeping for the top ten most effective money affirmations that have consistently helped my clients rewire their beliefs and attract abundance into their lives.
Ten Powerful Money Affirmations from Marisa Peer
These affirmations have transformed the financial lives of thousands of people. Each one is designed to reprogramme a specific aspect of your relationship with money. For maximum impact, say them with conviction and repeat them daily until they become your natural way of thinking.
1. "I Am Worthy of Abundance"
This foundational affirmation directly counters self-sabotage patterns. When you truly believe you’re worthy, you stop undercharging for your services and start seeking opportunities that match your value.
Try this tomorrow: Before any money conversation, whether you’re asking for a raise or setting your prices, say this affirmation first and notice how differently you feel.”
2. "My Abundance Creates Abundance for Others"
This belief eliminates guilt about having money by reframing wealth as a positive force. When you prosper, you employ others, support local businesses, and have more resources to help people.
Daily practice: Before spending money, remind yourself that your financial activity creates jobs and opportunities for others.
3. "I Have a Beautiful Relationship with Money"
Think of the joy your children, partner, or pets bring you. Why can’t money bring that same joy? This affirmation helps you see money as a source of beauty and possibility rather than stress or shame.
Daily practice: Each time you handle money, take a moment to appreciate what it enables you to do and give.
4. "I Am a Money Magnet"
When you believe this, you become more aware of money-making ideas and opportunities. You start noticing potential investments, partnerships, and ways to monetise your skills.
Daily practice: Use this affirmation when you wake up, priming your mind to spot financial opportunities throughout the day.
5. "My Mind Creates Wealth Opportunities Everywhere I Go"
This programmes your mind to see possibilities others miss. Many wealthy people have multiple income streams because their minds are constantly generating new wealth ideas.
Daily practice: When you’re out and about, consciously look for problems you could solve or improvements you could make for profit.
6. "Everything Always Works Out for Me in the Best Possible Way"
This powerful belief helps you persist through rejection and setbacks. Denial becomes just a delay, and “no” becomes a “yes” when you maintain this mindset.
Daily practice: When facing financial challenges or rejection, repeat this to maintain optimism and keep taking action.
7. "Wealth Finds Me Every Day in Every Way"
This creates an expectation of abundance. When you believe wealth is always finding you, you read articles and have ideas, see problems and spot solutions.
Daily practice: End each day by identifying one new piece of financial knowledge or opportunity you discovered.
8. "I Deserve Money, Wealth, Abundance, and Riches"
Direct and powerful, this affirmation builds the unshakeable self-worth that wealth creation requires. You cannot consistently earn more than you believe you deserve.
Daily practice: Repeat this when setting your rates, applying for jobs, or pursuing any financial goal.
9. "I Am Talented and I Monetise My Gifts"
This connects your natural abilities to financial success, making wealth creation feel natural rather than forced. It reminds you that you have valuable skills worth paying for.
Daily practice: Before work or any professional activity, acknowledge your talents and their monetary value.
10. "I Am Enough to Do More, Be More, and Have More"
The most important affirmation of all. This doesn’t mean settling for less, but recognising you’re already worthy of pursuing bigger dreams. You’re enough to smash through any glass ceiling and share your success with the world.
Daily practice: Use this whenever you feel intimidated by a financial goal or opportunity. You already have everything you need to succeed.
What Do You Say When Manifesting Money?
You might be wondering: “What do you say when manifesting money?” The key is to use strong “I am” statements that affirm worthiness and abundance. Phrases like “I am a money magnet” or “Wealth flows to me easily” work because they speak directly to your subconscious in the present tense.
The subconscious mind only lives in the present tense. Don’t say “I will be wealthy.” Say “I am wealthy.” Not “I will have money.” Say “I have money.” Your mind doesn’t understand future tense as a command to act now.
The words you choose must feel powerful, believable, and personal to you. If “I am a millionaire” feels too far from your current reality and your mind rejects it, start with “I am becoming wealthy” or “Money comes to me easily.”
You can build up to bigger statements as your mind accepts the smaller ones.
Powerful phrases to say when manifesting money:
- I am worthy of wealth
- I deserve abundance
- Money flows to me easily
- I attract opportunities that create wealth
- I am a money magnet
- Wealth is my natural state
- I am open to receiving money from multiple sources
Say these out loud, not just in your head. Your mind responds more powerfully to words you speak. Stand in front of a mirror if you can and say them with conviction, even if you don’t believe them yet. Your belief will follow your repetition.
How to Make Affirmations Stick: Daily Practice
Knowing powerful affirmations is just the beginning. The real transformation happens when you state, affirm, and embody them until they become who you are rather than what you say. Here’s how to make these money affirmations stick permanently.
The Power of Repetition and Embodiment
The words that follow “I am” will follow you. This is why you must say your affirmations with unshakeable, unwavering conviction.
Don’t mumble them or recite them half-heartedly. State them with passion, using a strong, confident voice that embodies the person you’re becoming.
Start with basic “I am” statements: “I am worthy of wealth. I am abundant. I am talented. I am successful.”
Then progress to “I am a person who” statements: “I am a person who easily attracts wealth. I am a person who finds it easy to discuss money. I am a person who is a master manifestor of wealth.”
Engage All Your Senses
Your mind responds to vivid, sensory-rich experiences. When visualising your wealthy future, see it, smell it, taste it, touch it, feel it, and hear it.
Imagine the smell of fresh, crisp notes. Picture yourself in beautiful fabrics, eating wonderful food, living in gorgeous spaces. Feel the calm security of never having to check your bank balance.
Hear people saying, “I’m so happy to pay you. This is the best money I ever spent.” Notice your own voice as you confidently state your prices: strong, self-assured, compelling.
Make wealth feel familiar rather than foreign. Your mind moves towards what is familiar and away from what is unfamiliar. The more vividly you can imagine abundance, the faster your reality will shift to match.
Define a Daily Affirmation Practice
Here’s something powerful I do every morning: I’ve written my favorite affirmations on my bathroom mirror. When I look myself in the eye and say them out loud, it sets the tone for my whole day. You might feel a bit silly at first, but trust me, it works.
Evening Practice: Before sleep, when your subconscious mind is most receptive, either journal about your financial goals or listen to wealth-focused hypnosis content. Your subconscious never sleeps and will continue programming these abundance beliefs throughout the night.
Throughout the day: When handling money, receiving payments, or discussing finances, internally repeat relevant affirmations. This creates positive associations with money in real-time situations.
Make It Personal and Profound
Generic affirmations have limited power. Make yours personal by adding specific details: “I deserve to earn $10,000 per month from my consulting practice.” “My online course generates passive income while I sleep.” “Clients eagerly invest in my premium services.”
Your mind’s job is to make your thoughts real. As you focus on the right words and images about wealth, you literally cannot focus on lack and limitation because the mind cannot hold conflicting beliefs. You’re programming yourself for abundance while simultaneously erasing the scarcity mindset.
Here’s something encouraging: it only takes about 21 days for your mind to start creating new patterns and letting go of those old limiting beliefs. That’s less than a month to begin transforming your entire relationship with money.
This is why consistency matters more than perfection when implementing money affirmations.
Claim Your Wealth with the Words You Speak
Wealth starts in the mind, and affirmations are your blueprint. Every word you speak creates the reality your mind, body, and psyche work tirelessly to make real.
When you consistently tell yourself “I am worthy of abundance,” “I attract wealth easily,” and “My gifts create value for others,” you’re literally programming your subconscious to seek opportunities, build confidence, and take actions that align with financial success.
The ten powerful affirmations in this guide aren’t just positive thinking. They’re strategic tools for reshaping the neural pathways that control your relationship with money. Combined with the three-step wealth creation process and daily practice routine, they form a complete system for transforming your financial reality.
Choose three to five affirmations that resonate most deeply with your situation and begin today. Don’t wait for the “perfect” moment or until you feel completely ready. The very act of starting will begin the familiarisation process that makes wealth feel natural rather than foreign.
At the heart of every abundance practice lies the foundational truth that you already possess everything needed to create the wealth you desire. You’re enough to pursue bigger dreams, ask for more, and believe that financial freedom is not just possible, it’s your natural state.
Your journey to financial abundance begins with a single affirmation spoken with conviction. Which one will you choose first?
Your wealthy future starts with a decision. My free Wealth Wiring hypnosis embeds these powerful affirmations directly into your subconscious while you’re deeply relaxed and receptive. Listen daily to develop unshakeable self-worth in acquiring and growing wealth, and watch your mind open to abundance and money-making opportunities everywhere.
Students often start experiencing results within the first 21 days. Download the Wealth Wiring hypnosis today and finally accept that you deserve abundance.
