Why “I’m Not Good With Money” Is the Biggest Lie Women Have Been Told 

If I had a dollar for every time a woman said to me, “I’m not good with money,” we’d already be sitting on millions. 

I hear it whispered by mums juggling school fees, women smashing corporate careers, and even business owners turning over six figures. It sounds harmless. But it’s not. 

In conversations with smart, educated women — lawyers, engineers, even finance professionals — I often hear a variation of the same line when I explain what I do at

Mom’s Got Millions: “Oh, my partner handles that, he’s better with numbers.” 

That sentence is one of the most powerful lies women have been sold. And it’s keeping us from building wealth, creating security, and living lives that actually work. 

Where Did This Belief Come From? 

The truth is, nobody is born “bad with money.” Babies don’t arrive worrying about credit cards or debt. (If they did, I’d be terrified!) 

So where does the story begin? 

• Family patterns: Maybe money was tight growing up. Maybe your parents fought about bills. 

• Silence at school: We learned algebra and Shakespeare, but not how to run a budget. We learned theory, not real-world money practice. 

• Society’s messages: For decades, women were told money was “a man’s responsibility.” Even today, the “shopaholic woman” stereotype gets airtime. I can’t remember the last time I heard a man confess to being one — have you? 

By the time we’re adults, the belief is cemented: “I’m just not good with money.” 

The Cost of Believing the Lie 

Here’s the problem: when you say it, your brain believes it. 

That belief: 

• Stops you from asking for a pay rise (hello, glass ceiling). 

• Keeps you renting when you could buy — because “property feels too hard.” 

• Pushes you into guilt when you spend… or the reverse, into overspending. 

• Freezes you from investing, even when you have the means. 

It’s not just a passing thought. It’s a cycle that can hold women back for decades. 

What If the Opposite Were True? 

Imagine if the real story was this instead: 

• “I’m learning how to make money work for me.” 

• “I’m capable of building wealth and security.” 

• “I can make smart financial choices for myself and my family.” 

These aren’t fluffy affirmations. They’re reframes. And they’re powerful. 

Money skills aren’t magic. They’re learnable. And when women learn them, everything changes — from how we negotiate mortgages to how confidently we invest for the future. 

My Own Awakening 

I’ll be honest: I used to believe the same thing. 

I grew up with little, and I thought the best solution was just to save and never spend. And when I did spend — I felt guilty. As a Chartered Accountant, I thought my job was to focus on cents and dollars, and that would be enough. 

But just because I worked with massive company spreadsheets didn’t mean managing my own personal finances was stress-free. 

The more I learned, and the more I challenged those old self-beliefs, the more I realized: there is no “money gene.” There are only stories. And the moment I rewrote mine, everything shifted. 

That’s what Mom’s Got Millions is about: rewriting money stories — and backing them up with real, practical tools. 

The First Step (Just a Tease of the HOW) 

So where do you begin? 

Not with a spreadsheet. Not with a debt plan. 

Start with one small shift: 
Write down ONE money story you’ve been telling yourself — and flip it. 

For example: 
❌ “I’ll never get ahead.” 
✅ “I’m learning how to build a plan that gets me ahead.” 

That’s not the full HOW — it’s the awakening. The first crack in the old story. 

Why This Matters for All of Us 

When women change their money stories, the ripple is huge. Children grow up seeing money as a tool, not a stress. Partners have healthier conversations. Families create security. 

And when moms have millions — or even just money confidence — the whole community rises. 

This week, I invite you to try it. Write down your current money story, what is one first step you need to take today? 

And if you’re ready to go deeper, join us inside the Mom’s Got Millions movement. 

Because your story doesn’t have to stay the same. The future one is yours to write.