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Wealthy Vocabulary: Words That Grow Your Wealth

A woman covering her mouth with the word 'BANNED' written across her chest, showing that she is not allowed to speak negatively about money

Call it what you may - 'woo woo', 'the fluffy stuff' - but dismissing the power of language and framing means you are losing out. This article shares some insight and guidance into the importance of paying attention to the language you use if you are seeking financial freedom and increased wealth.

Your Words, Your Wealth

Research increasingly confirms a fascinating insight: the language we use significantly influences our financial situation. This article aims to explore this compelling relationship and its implications for our financial behaviours and outcomes.

At the heart of this discussion is the concept of 'money mindset', a term often shrouded in scepticism and associated with abstract, 'woo-woo' beliefs. However, delving into the psychological underpinnings reveals a more concrete basis for this idea. Experts in behavioural psychology suggest that positive, present-tense language can profoundly impact our financial decision-making and success.

A study by M. Keith Chen provides striking evidence. It reveals that the structure of language affects savings behaviour. For instance, speakers of languages that emphasise a clear distinction between the present and future (like English) tend to save less than those whose languages don't make this distinction as strongly. This suggests that the way we linguistically frame time can influence our financial habits.

Speak in the Now

Moving beyond the linguistic technicalities, the principle here is simple: how we talk about money matters. Using positive, present-focused language can encourage proactive financial behaviours. In contrast, uncertain, future-based wording might lead to procrastination and a lack of action.

However, changing our financial language is easier said than done. Deep-seated beliefs and psychological barriers often underpin our spoken words. This is where the role of financial coaching becomes crucial, albeit in a limited capacity within our discussion. Money coaches can help individuals identify and overcome negative financial beliefs, encouraging a shift towards more empowering, action-oriented language.

Tips on Using Wealthy Words

To implement this change in our daily lives, consider the following practical tips:

Limit Doubtful Speak

Use affirmations that reinforce positive financial attitudes. For example, instead of saying "I'll never be debt-free." try "I am taking steps every day towards becoming debt-free."

Speak Positively and in the Present

Be mindful of your financial conversations. Focus on speaking about money matters in a positive, present-tense manner.

State Action and Certainty

Reflect on your financial goals daily, using language that embodies certainty and immediate action.


The words we choose to describe our financial journey aren't just placeholders; they're powerful tools that shape our financial destiny. By being more mindful of our financial language, we can start to align our words with our desired financial outcomes. Whether it's through self-reflection or seeking professional guidance, the journey to financial success might just begin with how we talk about it.

If this insight triggers something for you, feel free to reach out to discuss financial coaching.


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