EPISODE · Sep 22, 2026 · 17 MIN
246 | Why Changing Your Money Starts With Your Financial Identity
from Money Files: Money Mindset & Personal Finance · host Keina Newell - Personal Finance & Money Mindset Expert
You have been telling yourself the same story about money for a long time. Maybe it has been ten years, maybe twenty, maybe longer. And somewhere along the way, the experiences piled up—the overdrafts, the debt, the decisions you wish you could take back—and they started to feel like evidence that you are just who you are with money. That this is how it is always going to be.But here is what I want you to sit with today: that old financial identity has had decades to practice. It is familiar. You know how to operate from it. You know how to make decisions from inside it.And the new financial identity you are building—the one where you look at your bank account without dreading what you will find, where you make decisions with intention instead of reacting to whatever is in front of you—that identity might be a day old, a week old, over even a year old.And I think we forget that.In this episode, I want to offer you a completely different way to look at where you are in your financial journey, because the way you talk to yourself while you are building something new mattersIn this episode, you'll learn...[00:05:10] Why your financial identity has been building for decades and why expecting your new one to perform his hindering your progress [00:10:30] What it actually looks like to treat your new financial identity with the same compassion you would give anyone who is still learning something new[00:15:45] How every decision you make in alignment with who you are becoming reinforces your new financial identity and weakens the old one[00:20:20] How to use reflection to see how far you have actually come, even when you keep moving the goalpost[00:25:40] What to do when new life circumstances show up that you could not have predicted and why the identity you are building right now prepares you for themGet full show notes and the episode transcript: https://wealthovernow.com/why-changing-your-money-starts-with-your-financial-identity/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan
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246 | Why Changing Your Money Starts With Your Financial Identity
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