How do you overcome a money block?
Money blocks are not vague. They are specific sentences, formed early, still making pricing decisions on your behalf.
Dawn McGruer · 6 min read · Updated August 2026
The short answer
You overcome a money block by naming the belief precisely, identifying where it was formed, then taking one specific action that contradicts it and letting the outcome accumulate. Beliefs about money are predictions, and predictions update through disconfirming evidence rather than through insight. Repetition is what makes the new default hold.
Key takeaways
- A money block is a specific inherited sentence, not a vague feeling.
- Locating the origin separates the belief from your own judgement.
- Contradicting action produces the disconfirming evidence that updates prediction.
- Repetition, not insight, is what makes the new financial normal hold.
Name the belief as a sentence
Money blocks stay powerful while they remain a mood. Written as a sentence, they become testable. 'People like us don't charge that.' 'If I earn more, I'll lose the people I love.' 'Money is fine as long as I don't want it.'
Get to the actual wording rather than a polite summary. The sentence that makes you slightly uncomfortable to write down is usually the operative one.
Find where it was formed
Most money beliefs are inherited rather than concluded. They were formed early, from what was said about money at home, what happened when it was scarce, and who was praised or criticised for having it.
The purpose of locating the origin is not catharsis; it is separation. A belief you can see as a rule you absorbed at nine years old is much easier to overrule than one that feels like your own considered judgement about reality.
Take one contradicting action
Insight alone changes very little, because the brain updates on outcomes, not arguments. The mechanism that works is disconfirming evidence: do the thing the belief says will end badly, at a size you can survive, and observe what actually happens.
Choose actions that are small enough to take this week and specific enough to produce a clean result.
- Quote the higher number
- State the fee you believe is fair, then stop talking. Let silence do its work.
- Stop discounting reflexively
- Hold price for one full quarter and track what actually changes.
- Ask for the money owed
- Chase the late invoice you have been avoiding, without apology.
- Receive without deflecting
- Accept payment, praise or a gift with thank you and nothing else.
Let repetition make it the new normal
One contradicting result rarely rewrites a belief formed over decades. Several do, because the brain treats repeated evidence as a change in the environment rather than an exception to it.
This is why price rises revert so often. The number changed, the internal normal did not, and behaviour quietly restored the familiar level through discounting, over-delivery and reluctance to enforce terms. Hold the new position long enough for it to become unremarkable, and it stops requiring willpower.
Frequently asked
Related questions
What is a money block?
A money block is an inherited belief about earning, charging, keeping or deserving money that quietly overrides commercial judgement. It usually presents as a rule that feels like realism — that certain fees are greedy, or that wanting more is dangerous — and it sets a ceiling you defend rather than one you are capable of.
How long does it take to clear a money block?
The belief can be named in an afternoon; the default takes a quarter or two of contradicting evidence to shift. Expect the old pattern to reassert itself under pressure — during a slow month or a difficult negotiation — which is normal rather than a sign the work has failed.
Do affirmations work for money mindset?
Only weakly on their own. Repeating a statement you do not believe tends to highlight the gap rather than close it. Affirmations become useful when paired with action that produces real disconfirming evidence, because the brain updates on outcomes far more readily than on assertions.
How do I know a money block is affecting my pricing?
Look for the flinch. If there is a number you cannot say out loud without softening it, a habit of discounting before being asked, or a revenue level you keep returning to after every push, a belief is acting as a thermostat rather than a strategy.
About the author
Dawn McGruer
Dawn McGruer FRSA FCIM is a business growth strategist, Wiley bestselling author and keynote speaker, and the creator of The Billionaire Brain™ — her forthcoming Forbes Books title on the psychology and neuroscience of extraordinary success.
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