5 Money Habits Keeping You Broke

0:00Hello, I'm Monica Reinagle, host of the Nutrition Diva Podcast. Summer is here and with it, the hot and sticky weather. A morning working in the garden, or maybe on the golf course, can leave you more depleted than you realize, and plain water isn't always the most efficient way to restore the balance. That's where liquid IV comes in. Its science-backed formula is clinically proven to hydrate faster than water alone. Whether you're exercising, playing outside, or simply surviving a summer heatwave, it's an easy way to stay hydrated. Shop now at liquidiv.com, liquidiv, hydration that goes wherever life takes you. Car crashes injure over a million of us every year because we're human. For over a decade, we must have been building a driver that's safer. We're statistically 10 times safer in the cities we serve. Not because humans aren't enough, but because they're everything. Based on over a 94% reduction in serious injury or worse crash rates,

1:04learn more at Waymo.com. Book a loved by guest property with Virbo, and you get a top-rated vacation rental that's loved for all the right reasons, like being in a great location or having great amenities. I love my Virbo for the view. Good reason. Oh, Amva-Sona. Sweet. Another good reason. Amva, that it's one of those good sonas with the hot rock thing. Love a good hot rock thing. Fancy. That's also a reason. Don't worry about surprises. Book a Virbo you'll love with the love by guest filter. If you know, you Virbo. The Melissa Ambracini Show Welcome to the Melissa Ambracini Show. I'm your host, Melissa. They're selling author of mastering your main goal, open wide, comparison-idors, and time magic. And I'm here to remind you that love is sexy. Healthy is liberating, and wealthy isn't a dirty word. Each week I'll be getting up close and personal with thought leaders from around the globe, as well as your weekly dose of motivation so that you can create epic change in your own life

2:09and become the best version of yourself possible. Are you ready, beautiful? Five money habits keeping you broke. There are so many women out there, incredibly talented, brilliant at what they do. And the biggest thing blocking them from their success, from the abundance that they truly desire is their beliefs around money and the habits that they have around money. The thing is, is we are not taught how to handle money, we're not taught how to have a positive money mindset. The thing is, is we are born into this world of clean slate. And then we get told that money doesn't grow on trees, money is hard to come by, you're greedy if you want more money. Those things, those beliefs get handed to us. We inherit them or we borrow them from our parents, our grandparents, or teachers. The thing is, is those beliefs are actually not your

3:17truth. They're not your truth. And we hold onto them and we let them dictate every move that we make. So we want to reprogram our money mindset and this is how we can call in the abundance that we desire. Now, whatever it is that you want in your life, the money that you want in your life, whatever you desire, if you have that desire within you, it means it is for you. Yeah. The creator or God, whatever you choose to believe, whatever word you choose, put those desires in your heart for a reason. And if you want a level of abundance so that you can impact more people, then that is for you. So I'm going to share five habits that are keeping you broke. Okay, the first one is you are treating money like crap. You are treating money like crap. So what I mean by that is, you're someone who has notes and coins everywhere, like behind

4:17the couch in pockets, you have scrunched up notes in every area of your car in your house, and you don't treat money with respect. If you want money to respect you, you have to treat money with respect. So put all of the notes facing the right way in numeric order with the coins in the coin section, treat money with respect and it's going to respect you back. Okay, so just try this for one week. Take care of money and it will take care of you. It is so simple, but so many people don't actually do it. It is so simple. Try it and see what starts to happen. Don't just throw coins in the center console of your car. Take care of money and it will take care of you. Respect money and it respect you. So that is the first thing that is keeping you broke. You're treating money like crap. Start treating it with love and respect and it will respect you back and speak about

5:18money with love and respect. The things that you say about money, it is listening. Money has ears and it is listening to every single thing that you say about it. It's like a friend. If you were talking crap about a friend, that friend is not going to want to be around you. Same with money. If you're talking crap about money, it's not going to want to be around you. It's not going to want to come to you. So start speaking about it in a loving way. Start respecting it. Start talking about it behind its back in a loving way. Be grateful for it. Be thankful for it. And start to shift the way that you speak about money, the way that you talk about money and your money habits and watch the abundance start to flow to you. The second money habit that is keeping you broke is your beliefs. So you need to do a money belief audit. Literally open your journal and write down every single money belief that you are currently living in your life. Every single one of them and then write

6:22down where that came from. Where that belief came from? Was it a particular person? Did something happen to you in your childhood? And then write down the beliefs that you actually want. The ones that you want to embody. The ones that you want to believe. And then you're going to save those in your phone and you are going to read them anytime. A money, fear or block comes up for you. But the way that you start to reprogram yourself with these new inspiring beliefs is by repeating them instead of repeating the old ones. So our brain is incredibly malleable and we can rewire our brain. But if you are constantly saying money doesn't go on trees, money is hard to come by, I'm greedy if I want more money, you are actually reinforcing that neural pathway. Like think of it like train tracks, you're reinforcing that neural pathway. The way that you change that neural pathway or create a new neural pathway is by doing something different. So you have to stop, pause, take a breath and create a new one. I believe that money flows freely to me. Whatever it is,

7:28I believe that I'm a money magnet. Money is flowing freely and effortlessly to me. So whatever it is that you want to believe, you have to stop that train track from going down that way, take a breath, pause and start to say the new money belief that you want. That is the only way that you start to rewire your brain and create new inspiring neural pathways in your brain. That's the only way you can do it. There's no other way. So that is the second thing that is keeping you broke, your money beliefs. So you need to do an audit, literally write down every single worm, write down where it came from, give it back to whoever it came from and then start creating your new ones and start repeating those. I also like to keep these in the notes section of my phone and read them and pull them out anytime. I have a fear come up and also another great thing you can do is literally write out your new money beliefs, literally 50 times on a page, just write it

8:31out, write it out so that it starts becoming embedded in your cells. You have to embody and embed those in your cells so much so that it crowds out the old ones. Hello, I'm Monica Reinagle, host of the Nutrition Diva podcast. Summer is here and with it, the hot and sticky weather. A morning, working in the garden or maybe on the golf course can leave you more depleted than you realize, and plain water isn't always the most efficient way to restore the balance. That's where liquid IV comes in. Its science-backed formula is clinically proven to hydrate faster than water alone. Whether you're exercising, playing outside, or simply surviving a summer heat wave, it's an easy way to stay hydrated. Shop now at liquidiv.com, liquid IV, hydration that goes wherever life takes you. Car crashes injure over a million of us every year because we're human.

9:32For over a decade, we must have been building a driver that's safer. Statistically, 10 times safer in the cities we serve. Not because humans aren't enough, but because they're everything. Based on over a 94% reduction in serious injury or worse crash rates, learn more at Waymo.com. It's Fall in America. Make it count at the Ram Drive and Default Sales event. Make it powerful with our strongest Ram 1500 ever. Make it move with the Ram Heavy Duty with an available Cummins diesel and make it go the distance with a 10-year or 100,000 mile powertrain limited warranty. Hurray and now for great deals during the Ram Drive and Default Sales event. Excludes fully electric vehicles applied to 2026 model-year vehicles non-transferable. Visit Moepart.com for complete details on a copy of the powertrain limited warranty. Cummins is a registered trademark of Cummins Inc. Ram and Heavy are registered trademarks of FCA US LLC. The third thing keeping you broke is that you're not grateful for the money that you have. So you need to thank money every time you pay for a bill or you go out to lunch and you pay for

10:38lunch or you pay for your juice or whatever it is. Every bill that comes into your inbox, you thank it. Thank you Bill. Thank you for the electricity. Thank you for the phone. Thank you whatever it is. Thank you, thank you. Thank you, money. Thank you. I'm so grateful. When you start to be grateful for what you already have, that multiplies. The universe then gives you more of that energy, more of that frequency. Like energy creates like energy. And so you want more of that goodness than you need to stop being grateful for what you already have. So it's very simple. Every time you pay for anything, you say thank you. I am so grateful. Thank you, electricity. Thank you, phone bill. Thank you, thank you, thank you. I am so grateful, thank you money. Thank you, thank you. And literally, as you're pressing pay or send, thank you, thank you. Thank you, I am so grateful.

11:38I'm so grateful. Thank you, thank you. Thank you. It is such a simple thing to do. All of of these things are very simple to do and they make such a huge difference to your abundance in your life. So start being more grateful for what you already have. It's very easy to go to lack. I don't have enough of this or that or I want more. It's very easy because our ego, our inner mean goal, our inner critic wants to pull you into lack. That's what they're there for. So it's very easy to go to the lack to what we don't have. It's harder to go to the positive to go to gratitude. So whenever you go into lack, stop, take a breath and come back to gratitude. I am so grateful that I have all of these beautiful things in my life. And I'm so grateful that I can pay for this, this and this. Gratitude is so powerful. If you want more of the good stuff, start being grateful for what you already have. The

12:41fourth habit that is keeping you broke is you're actually undercharging. And maybe you're undercharging because there's a limiting belief that you don't feel worthy of charging more. So to break that, you're going to raise your prices and do it especially if it scares you. You are worth so much more than what you think you are worth. You have so much wisdom and knowledge and brilliance inside you. And this is keeping you broke. These limiting beliefs that we have around charging what we really want to charge is holding us back. And it's keeping us broke and it's keeping us in a stock money pattern. So the way that we move through that is we raise our prices. And we do it because we are worthy of it. And because we deserve it. So if you close your eyes and you think about what you're currently charging for your service and what you really want to charge because you know you're worth it, then charge that number, especially if it scares you charge that number. And here's

13:42the thing. If you are scared of what people will think of you, if you are scared of what Sarah from fifth grade is going to think of you or Tom, your first boyfriend is going to think of you or your auntie or your cousin. If you are scared of what they think of you by putting your work out there by sharing your message and your magic, you're focusing on yourself and you're not focusing on serving the other people. There are so many people that are out there literally on their knees praying to God begging for what you have to offer. And you are doing a disservice to them by staying stuck in your own fears and your own doubts about yourself. Get out of fear. Get out of the eye and start serving other people. When you are in fear, you are focusing on yourself. Get back into serving the people out there

14:42that are literally begging for what you have to offer. The fifth and final habit that is keeping you broke isn't really a habit. It's more of a nervous system response. So how your nervous system responds to money is keeping you broke. So maybe in the past, something happened to you where maybe your parents fought over money or it was a time where you experienced a loss, whatever it is, that created a nervous system reaction in your body. And so your body is still holding on to that. So whenever you have a bill come in and you feel your body responds like maybe your stomach flips or maybe you get clammy palms or whatever it is, whenever you have a body reaction to money, that tells me that there is a nervous system response to money. So you need to heal your nervous system around money so that your body feels

15:43safe to receive, so that your body feels okay when a bill comes in, so that your body doesn't go into fight or flight when the conversation of money is brought up with your partner. And there are so many different things that you can do to help regulate your nervous system to calm your nervous system especially around money, things like breathing, breath work, self-talk, affirmations, tapping, all of these things are such amazing tools that can really help calm and regulate your nervous system around money so that when big numbers come in front of you and they land in front of you, you don't instantly spike quarters all and go into fight or flight, your nervous system feels calm and steady around these big numbers or around the bill or whatever it is all the money conversation with your partner. So start to notice your body's reaction to money. If you instantly go into adrenaline and fight or flight, that is information, that is information that you need to

16:49address and look at where is this coming from and then we've got to heal the nervous system around that. There's always two pieces, there's the body piece, the nervous system piece and then there's the mindset piece, you can't do one without the other. When you master your limiting beliefs and you reprogram your mind and you do the nervous system work, that is a recipe for abundance. So look at how your body responds to money over the next week, just start to observe how your body reacts to different conversations around money, that is information for you. Is there work that needs to be done to heal the nervous system so that you feel safe to receive the level of wealth that you want? Because you are worthy of all of the abundance that you truly desire, but your body needs to feel safe and open and receptive to it. If it doesn't, it will come in and then go. So notice, notice how your body feels. These five things are keeping

17:56you broke. I've just given you the antidote to those five things, try it for a week, see how you feel, let me know how you go and check out my 21-day money mindset reset below. That is a game changing program for anyone who wants to uplevel their money mindset and call in more abundance. You deserve all the abundance in the world. You do. We all do. Every single one of us. It is our birthright and whatever the desires that you have in your heart, whatever they are, when it comes to money and abundance, whatever they are, if they are in your heart, that means they are for you. The creator put them there for you. You need to do the mindset and the nervous system work to be able to hold those. That's your homework. And you can do it. We all can. We just got to get out of our own way. So check out the 21-day money mindset reset below. I remember that you are apps of fricking lootly worthy of all of the abundance that is in your heart.

19:03Hello, I'm Monica Reinagle, host of the Nutrition Diva podcast. Summer is here and with it, the hot and sticky weather. A morning working in the garden or maybe on the golf course, can leave you more depleted than you realize. And plain water isn't always the most efficient way to restore the balance. That's where liquid IV comes in. Its science-backed formula is clinically proven to hydrate faster than water alone. Whether you're exercising, playing outside, or simply surviving a summer heatwave, it's an easy way to stay hydrated. Shop now at liquidiv.com, liquidiv, hydration that goes wherever life takes you. Car crashes injure over a million of us every year because we're human. For over a decade, we must have been building a driver that's safer. Statistically, 10 times safer in the cities we serve. Not because humans aren't enough, but because they're everything. Based on over a 94% reduction in serious injury or worse crash

20:08rates, learn more at Waymo.com. It's Fall in America. Make it count at the Ram Drive and Default Sales event. Make it powerful with our strongest Ram 1500 ever. Make it move with the Ram Heavy Duty with an available Cummins diesel and make it go the distance with a 10-year or 100,000 mile powertrain limited warranty. Hurray and now for great deals during the Ram Drive and Default Sales event. Excludes fully electric vehicles applied to 2026 model-year vehicles non-transferable visit MoePod.com for complete details on a copy of the powertrain limited warranty. Cummins is a registered trademark of Cummins ain't Ram and Heavy are registered trademarks of FCA US LLC.