We’ve all said dumb things from time to time.

Sometimes we say them as a joke or to provoke an audience. Other times we may find ourselves repeating learned ideas that, upon consideration, make no sense at all.

But more often than not many of our less-than-intelligent comments happen because of a gap in our understanding – we’re missing something – so we end up sounding like talking heads rather than our brilliantly thinking selves.

Arguably, many of our idiotic comments revolve around money.

Without knowing it, we often repeat and perpetuate some of the very ideas that keep us broke. And knowing what we know about the power of thoughts, we owe it to ourselves to change our own money scripts.

So here are twelve stupid things that, after reading this post, you won’t say about money ever again.

1. “I’m not good with money.”

What a dumb thing to say . . . and I should know. I said it for years before I realized how utterly ignorant it was.

It’s amazing to me that, if a child admits they’re not good at tying their shoe we rush to encourage them to practice, fully expecting that they will master the skill. Yet when it comes to ourselves, we often repeat affirmations like this one without the slightest consideration that “being good with money” is a learnable skill itself.

Action: Try Darren Hardy’s 1-1-5-3-1-30-30-5 Plan.

Any time Success Magazine publisher Darren Hardy wants to learn anything he identifies his number one goal (which in this case for you would be becoming good with money), identifies the number one skill that will most determine his accomplishment of that goal (such as budgeting, saving, or investing for example),  he buys five books on the topic, three CD/DVD programs, and picks one seminar on that skill. Then he spends 30 minutes in the morning and 30 minutes in the evening consuming the material through reading and listening to the audio components respectively.

For more information on this process watch this and follow Darren’s method to build your own money chops.

2. “I’ll never be able to afford ___________ (fill in the blank).”


The truth is, we all find ways to do what we want to do. And while it may be true that at this moment in time you may not be able to pay for something that you want or may even need, adding the adverb never pushes the possibility of affording that thing further away.

Action: Take a Lifestyle Design Approach. I learned this method from Timothy Ferriss‘s book The 4 Hour Work Week.

Tim proposes that it’s actually much easier to afford the things we want by changing how we design our lives and moving away from the typical nine to five.

It starts with figuring out the dollar amount of your ideal lifestyle and breaking it down into cash flow required per month and then per day. This will give you an idea of how much cash flow you’ll need per day to be able to comfortably afford what you choose. Most often people discover that their dreams are more attainable than they might think, and that it’s usually within their price range.

For more on dreamlining and to start your own do this as your first step to having it all.

3. “If I wanted to get rich I would have chosen another profession.”

Get real.

I think the people who say things like this think it somehow makes them seem saintly or pious for all the sacrifices they make as a social worker.i-should-have-become-a-kardashian-e2c70

And while there was a time when I would have seconded this statement, now the idea of suggesting that my profession can’t command the salary of higher paying professions seems ludicrous.

These days I would much rather talk about how to join the ranks of all the wealthy social workers I know that are helping more and more people with their money and skills.

Consider this. What if being a social worker was about helping other people and earning a great living?

What then?

Could we help more people? Would we have more power to influence policy makers? Would we spend less time fighting for recognition and more time on social causes we love? Would it accelerate the rate at which we were able to impact change?

The thing to remember is this: money is not bad and neither is being rich. And if you ask me, I’d rather be a rich social worker than a poor one any day.

4. “I didn’t become a social worker for the money.”

1344790458050_5788866This is probably the most common of the dumb things social workers say about money – and we say it all. the. time.

The fact that the entire premise of social work is to help people who often are not in positions to help themselves makes this statement utterly ridiculous because, unlike finance or business, money is not the objective of the profession.

Let’s turn this statement on it’s head.

What if social work had a reputation of being a highly paid profession like medicine or law, and what if you did go into it for the money? If you’re amazing at what you do, should it matter?

I’ve observed that, contrary to popular belief, it’s usually social workers, not those outside of the profession, who perpetuate the message that social workers don’t make money by this one statement alone.

Here’s a plan: If you’re a social worker, stop saying this sentence. Not only is it redundant, it’s foolish, and the underlying message is that the noble profession of social work has limited value worth being compensated for, and any smart social worker knows that’s just not true.

5. “I’m a social worker, so I’ll never be rich.”

This statement resonates with the one above with the message being, “I don’t provide value in a way that deserves equal compensation.” 

Is this really what you want to convey?

Now would someone please tell me, where is the rule that says social workers can’t be rich? The truth is there are plenty of rich social workers, and you can be one too if you’d like.my-dream-job-is-not-needing-one-8e67e

Would you have to develop additional skills?


Would you have to abandon your social work skills?


Would it be a good idea to get first-hand information from some rich social workers so you don’t have to keep believing a lie?

I’d say that would be a very good start (watch this).

Repeat after me: Social workers (and I) can be rich!

6. “I don’t want to be rich.  I just want to be happy.”

downloadDumb. Dumb. Dumb.

Must one negate the other?

Let me tell you a story.

A few years ago after a personal financial disaster I picked up the book Rich Dad, Poor Dad by Robert Kiyosaki. In it he speaks specifically about the mindset of people who say this exact statement.

“What I think people are really saying is, ‘I’d rather feel secure and comfortable than rich.’ That is because, when they feel insecure or uncomfortable they are not happy.”

This concept forced me to examine my core beliefs and values surrounding money; turns out they sucked.  Once I understood the difference between my poor beliefs and the beliefs of the rich, I ditched them lickety-split!

Kiyosaki states that to be rich, comfortable, and secure, are personal core values and that one is not better than the other. However, deciding which core values are most important to you has a significant long-term impact upon the kind of life you live.

 7. “I could never charge someone that much for what I do.”

….but you’ll hate on someone else who would and feel cheated at the same time that you don’t make as much? Same social work knowledge, same social work values, same social work skills, different bank accounts.1329614049877843

Hear me now and hear me well: there are hundreds, thousands, hundreds of thousands, and even millions of people that will pay you whatever you ask them to because that’s what you believe you’re worth and because you’ve got what they need.

You’d be surprised at how much is paid by individuals and organizations to others without your level of expertise but with a better understanding of value than you have, so why would you sell yourself short?

I think people make this statement because they don’t fundamentally believe that they’re worth a whole lot, and that’s sad because you’re priceless!

If a company or an individual was able to save millions of dollars, avert a catastrophic event or even save a life due to your intervention, do you think they would find your fee too expensive?

I think not.

But don’t worry. Even if you can’t charge that much for services, someone else will.

8. “The most I can make is $______________ (fill in the blank) because that’s all they pay (at my job).”

Jim Rohn has a great story about a conversation he had with his mentor, Earl Shoaff.4e

Upon telling Mr. Shoaff how much he made, Shoaff then asked Jim why that was so.

“Because that’s all they pay,” Jim replied.

“Wrong,” protested Mr. Shoaff.  “That’s all they pay you!”

Similarly, many social workers buy into the idea that there is a ceiling on the amount of money they can make based on the salary scales that they’ve seen. And I admit that, like Rohn, I used to be one of those people. 

The truth is that there are others in positions higher than you that make more money than you do, and even if you’re the CEO there are still ways to parlay your skills and expertise into additional income if you wanted to.

The moment we allow ourselves to dream of an unlimited income is when all possibilities for creating affluence become available to us and, voila! The money ceiling is removed.

9. “I don’t make enough money to be able to save.”

I used to think this too, and I had a good reason because I was unemployed.

Then I read The Richest Man in Babylon and learned that I hadn’t actually understood how to save and thought that the purpose of saving was for emergencies or short term goals.

I actually empathize with people who say this because for so many this statement feels true, especially when the mortgage is overdue, there are hungry mouths to feed, and you are taking care of a sick family member.Funny Cry For Help Ecard- I'm saving up for a nervous breakdown

It sucks when you can’t pay for the things you need, and it’s even worse when you’re living paycheck to paycheck with no plan for financial freedom in sight.

The fact is that most of us aren’t taught why or how to save money, but in order to be rich a portion of all of the money you receive must be directed toward a savings plan, no buts about it.

Take the time to learn the principles of saving and use them to help you become rich. You’ll get rid of that nervous feeling of not having any savings and be able to meet that inevitable emergency at the same time.

10. “I give my time. I don’t need to give money.”

In the universal law of giving and receiving what we give generously comes back to us. So when we give compliments, we get compliments. When we give great energy, we get great energy, when we give referrals we get referrals, and when we give money we get money.

Giving is the fundamental principle of receiving and besides that, it feels great!

When we’re giving from a place of genuine love and gratitude, the universe has no choice but give that right back to you. When we understand this principle it’s no wonder that the world’s biggest philanthropists simply continue to get richer and richer.

As illogical as it may sound, you’ve got to give more money to get more money, and based on the law of cause and effect, when it comes to money, that’s not a bad deal!

11. “I don’t care about money.”

…and money doesn’t care about you.

MjAxMi01ZGFkOGM5MTUxYTZjMzcyT. Harv Eker has a great saying: “if you don’t think money is important, you simply won’t have any,” and he’s right.

I can speak about this stupid saying first hand. If my religious upbringing didn’t convince me that money wasn’t important then my social work training inadvertently did.

While well meaning and seemingly innocent, this statement is deceivingly destructive because, when accepted by our subconscious, we become blinded to the importance of money on a very fundamental level.

The truth is, money is important and we all need it – no ifs, ands, or buts about it. You need it to buy food, for your transportation, your family’s sustenance, your education and your health.

There’s just no getting around the necessity of money, so why diminish its importance with a silly statement like this? If you’re not going to care about something, let it be the color of your underwear, not money.

12. “If I even help one person, it’s worth more than all the money in the world.”


…and if that’s your argument, just think how many more people you could help if you had all the money in the world.large

This is another stupid thing I used to believe – that my ability to help someone was compensation enough for having helped them.


Why? Because being able to help someone is not a financial plan, and there’s no way you can maintain yourself to be able to help more people if you’re compensated with thanks alone.

Now I don’t know about you, but no matter how much I love my work I can’t take “thanks” to the electric company and expect them to keep my lights on. Neither could I reconcile the power-of-social-work concept with the weakness I felt when struggling to manage my own finances.

At first blush this comment sounds noble; it seems so selfless. But the underlying message suggests that our work and worth are not to be valued over a heart-felt, “Thanks.”

“Just pay me in appreciation (or not) and I’ll be fine with that,” is your decree.

As noble causes go, I’d say social work is one of the noblest. But a life lived from hand-to-mouth with limited ability to help more than that one person is not.

Do yourself and posterity a favor and commit to increasing your money knowledge starting today. There are plenty of great books and teaching tools to help you get started and I’ve listed many of my top recommendations in this post.

Remember, there’s nothing smart about being dumb when it comes to money, so make sure you share this post so we can put an end to the stupid sayings we all make.make-money-meme

And now I’d love to hear from you!

What things have you said in the past about money that you now realize were just plain stupid, and what made you change your mind about them? I’d love to read about them in the comments and can’t wait to hear what you’ve experienced.

Thanks in advance for your involvement in this community. I wish you more money joy than you can barely believe!

To your success!

eva turquoise




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