What is Your Money Blueprint? Making or Breaking Money

Understanding your “money blueprint” is a critical aspect of achieving financial success. This concept encompasses the underlying set of beliefs, values, and attitudes you hold about money, which significantly influence your financial behaviors and outcomes. By defining and reshaping your money blueprint, you can unlock the secret to making or breaking your financial well-being.

Money Blueprint

A money blueprint is essentially your internal script about money and wealth. It encompasses your subconscious beliefs, attitudes, and emotional responses related to finances, which drive your financial behaviors and decisions. Eker likens this blueprint to a personal thermostat for money, set to a particular level of financial success or failure. Unless you change your internal settings, your financial results will remain consistent with your blueprint.

Identifying Your Money Blueprint

To identify your money blueprint, start by examining your financial beliefs and behaviors. Reflect on the following questions:

  • What did you hear about money growing up?
  • How did your parents handle money?
  • What significant financial events do you remember from your childhood?
  • How do you feel about money now?

These reflections can help you uncover underlying beliefs that may be holding you back.

The Origins of Your Money Blueprint

Your money blueprint is formed primarily during your early years, influenced by your parents, caregivers, and the environment you grew up in. Eker outlines three primary sources of this financial conditioning:

1. Psychological Framework: Your money blueprint is essentially a psychological framework that dictates your financial mindset. It includes all the subconscious beliefs and attitudes you have about money, which were often formed in your early childhood. These beliefs can be deeply ingrained and impact your financial decisions in profound ways.

2. Subconscious Influences: The foundation of your money blueprint is laid during your formative years, influenced by your parents, guardians, culture, and early experiences. For instance, if you grew up in an environment where money was scarce and a source of stress, you might develop a scarcity mindset. Conversely, if your upbringing was financially stable, you might have a more abundant and confident approach to money.

3. Mindset and Habits: Your money blueprint shapes your financial habits and attitudes towards earning, saving, spending, and investing money. This includes how you view financial risk, debt, savings, and wealth. For example, someone with a positive money blueprint might see investments as opportunities, whereas someone with a negative blueprint might view them as risks to be avoided.

4. Verbal Programming: The things you heard about money as a child significantly shape your money blueprint. Phrases like “Money doesn’t grow on trees,” “Rich people are greedy,” or “We can’t afford that” can create limiting beliefs about money.

5. Modeling: Observing how your parents or guardians handled money also influences your financial mindset. If your parents were frugal, you might adopt similar habits. If they were spendthrifts, you might mirror that behavior or react against it.

6. Specific Incidents: Specific events related to money during your formative years can leave lasting impressions. A significant financial loss, a sudden windfall, or ongoing financial stress can deeply influence your attitudes towards money.

Key Components of a Money Blueprint

1. Beliefs About Wealth: These are the core beliefs you hold about wealth and money. Do you believe that money is the root of all evil, or do you see it as a tool for achieving freedom and security? Your beliefs about wealth can either propel you towards financial success or hold you back.

2. Attitudes Towards Money: Your attitudes towards money involve your day-to-day feelings and behaviors around finances. Are you generally anxious about money, or do you feel confident and in control? Positive attitudes can lead to proactive financial behaviors, while negative attitudes can result in avoidance and poor financial decisions.

3. Emotional Responses: Your emotional responses to money can greatly influence your financial actions. For example, do you experience guilt when spending money on yourself, or do you feel empowered by making financial decisions? Understanding these emotional triggers can help you manage them better and make more rational financial choices.

4. Financial Behaviors: Your money blueprint is reflected in your financial behaviors, such as spending patterns, saving habits, and investment choices. These behaviors are often automatic responses based on your underlying beliefs and attitudes. By becoming aware of these patterns, you can start to make more conscious and beneficial financial decisions.

Steps to Redefine Your Money Blueprint

Eker emphasizes that you can change your money blueprint by consciously altering your financial mindset and behaviors. Here are some steps to help you reshape your blueprint:

  1. Awareness: The first step in redefining your money blueprint is self-awareness. Take the time to reflect on your financial history, your upbringing, and the messages you received about money. Acknowledge and become aware of your current money blueprint. Identify the limiting beliefs and attitudes that are not serving you.
  2. Understanding: Understand where these beliefs come from and how they have impacted your financial life. Recognize that these beliefs are not truths but conditioned responses.
  3. Disassociation: Disassociate from these limiting beliefs. Realize that you have the power to change your financial destiny regardless of past conditioning.
  4. Declaration and Affirmation: Use positive affirmations to declare new, empowering beliefs about money. For example, replace “Money is the root of all evil” with “Money is a tool for freedom and positive impact.”
  5. Modeling Success: Study and emulate the habits and attitudes of financially successful people. Surround yourself with positive financial influences and learn from their experiences.
  6. Develop New Habits: Adopt new financial habits that align with a positive money blueprint. This could include creating a budget, setting financial goals, regularly saving a portion of your income, and investing wisely. Consistent, positive financial habits can reinforce your new, empowering beliefs.
  7. Consistent Action: Implement new financial habits that align with your desired money blueprint. This might include budgeting, saving a percentage of your income, investing wisely, and seeking financial education.
  8. Seek Support and Education: Educate yourself about personal finance through books, courses, and financial advisors. Surround yourself with supportive individuals who have a healthy relationship with money. This support network can provide encouragement and accountability as you work on reshaping your money blueprint.

The Impact of a Positive Money Blueprint

A positive money blueprint can lead to a variety of beneficial outcomes, including:

  • Increased Financial Confidence: With a positive money blueprint, you feel more confident in making financial decisions, leading to better management of your finances.
  • Improved Financial Health: Positive beliefs and behaviors around money can result in better financial health, including increased savings, reduced debt, and smarter investments.
  • Greater Opportunities: A healthy attitude towards money can open up more opportunities for financial growth, such as entrepreneurship, investments, and wealth-building activities.
  • Reduced Stress: Understanding and managing your financial beliefs can reduce stress and anxiety related to money, leading to a healthier overall mindset.

Practical Exercises

In T. Harv Eker’s seminal work, “Secrets of the Millionaire Mind,” the concept of a “money blueprint” stands out as a cornerstone of financial success. Eker posits that our financial destiny is largely shaped by our subconscious programming about money—our money blueprint. This blueprint dictates our financial behaviors, habits, and ultimately, our financial outcomes. Understanding and reshaping this blueprint is crucial for anyone aspiring to achieve financial success.

Eker provides practical exercises in “Secrets of the Millionaire Mind” to help readers reshape their money blueprint. These include:

  • Money Management System: A structured approach to managing your finances by dividing your income into specific categories, such as necessities, savings, investments, education, and fun.
  • Wealth Files: A series of wealth principles and declarations to reinforce positive financial beliefs and behaviors.
  • Jars System: A simple method for allocating money into different jars for various purposes, encouraging disciplined and balanced financial habits.


Your money blueprint is the secret to making or breaking your financial future. By understanding, challenging, and reshaping your beliefs and attitudes about money, you can transform your financial behaviors and outcomes. This journey towards a positive money blueprint involves self-awareness, reframing negative beliefs, adopting new habits, and seeking education and support. With a positive money blueprint, you can achieve financial confidence, health, and ultimately, freedom.

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