Five Signs Your Inner Child Is Managing Your Finances

Oct 05, 2024

Every day, you're faced with making hundreds of micro decisions in your business, from how much to charge to whether you open up that email that has an invoice attached to it. We live life on autopilot, In fact, most of the choices that we make each day are driven by a part of our brain that we're not even aware of! And when it comes to money, your inner child might still be influencing your financial decisions more than you realise. 

Your inner child represents the core of your psyche, formed during the ages of 0-7. It's the subconscious part of you that absorbed messages about money, success, and self-worth from your environment. This aspect of yourself continues to influence your adult behaviours, often without your conscious awareness. As kids, we don't have the rational faculties to process everything logically. Instead, we form emotional responses that shape our beliefs and values. Have you ever wondered why certain financial situations trigger strong emotional responses? Your inner child might be speaking. 

Think back to your childhood. Were there moments when money seemed scarce or when financial stability was threatened? These early experiences create a blueprint for our relationship with money. If you grew up in a household where money was a constant source of stress, you might find yourself anxious about finances even when objectively secure. Understanding these imprints is necessary in order to reprogram your money mindset.Here are five ways you can tell if your inner child might be managing your finances;

  1. Avoidance of Financial Responsibilities
    Do you find yourself dodging financial tasks like taxes or bills? This is a classic sign of inner child influence. Avoidance often stems from anxiety, and tackling these fears requires self-compassion and gradual exposure to financial tasks.
  2. Impulsive Spending
    Do you buy things on a whim to soothe emotions? This is your inner child seeking immediate gratification. Placing a gap between the urge and the purchase—like a 24-hour rule—can help rein in these impulses.
  3. Conflicting Desires
    Does your inner child shy away from the responsibilities that come with financial success? If there’s a tug-of-war between wanting success and fearing its demands, it’s time to have a heart-to-heart with your inner child and understand her fears.
  4. Spending for Self-Worth
    Are your purchases tied to status or acceptance? Let's separate self-worth from financial status. Your wealth shouldn't define your value.
  5. Balancing Play and Responsibility
    Are you all work and no play? Money isn't just for hoarding or future security. It's also a tool for joy and experiences. Make room for fun and creativity to satisfy both your adult goals and your inner child's need for play.

You can heal your relationship with money and your inner child. Start by observing your financial patterns without judgment. What triggers impulsive spending? When do you feel anxious about money? These observations can help you begin to understand your inner child's needs and fears.

As you become more aware, consider what your inner child needs to feel secure and heard. Perhaps it's reassurance that you're safe and valued, regardless of your bank balance. Maybe it's permission to enjoy life while also being responsible.


Eloise Tomkins is a Money Coach and Psychologist who helps women in business reprogram their relationship with money using body based techniques. Her popular membership, the Millionaire Mindset Academy helps you shift your money fear so you can make more income without hustling harder. 

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