Money Speaks: Are You Listening?

Let’s be real— money actually talks.

But here’s the thing: most of us aren’t listening.

Maybe it’s because we don’t speak its language, or maybe we’re too busy pretending money doesn’t matter.

Spoiler alert: It does. As the saying goes, “Money isn’t everything, but it ranks right up there with oxygen.”

This post isn’t just about dollars and cents; it’s about understanding the powerful, sneaky ways money influences every part of your life—and how you can make it work for you.

So grab a cup of coffee (or a glass of wine, no judgment), and let’s have a heart-to-heart about this misunderstood frenemy called money.

Money speaks sense in a language all nations understand.

— Aphra Behn

Money Is Always Talking—Here’s How to Tune In

Picture this: You’re scrolling through social media, and you see yet another influencer posing on a yacht in Santorini.

Meanwhile, your bank balance is whispering, “Girl, you better sit down.”

Here’s the thing: money isn’t just numbers in your account.

Money is a tool, a mirror, and sometimes a megaphone shouting truths we don’t want to hear.

Why Money Talks Matter

Your Choices Reflect Your Priorities: Look at your spending, and you’ll see where your heart truly lies.

Starbucks every morning?

You value convenience (and maybe caffeine more than you’d admit).

Money Dictates Your Options: Financial freedom isn’t about being rich; it’s about having choices. As Suze Orman says, “When you’re in debt, you can’t afford your dreams.”

According to a 2023 survey by Bankrate, 63% of Americans are living paycheck to paycheck. That’s not just a financial issue—it’s a wake-up call.

Money is saying, “Help me help you.” Are you listening?

Lesson 1: If You Ignore Money, It’ll Also Neglect You

Here’s a hard truth: money doesn’t like to be ignored.

It’s like that friend who keeps giving you advice you didn’t ask for but desperately need.

Ignore it long enough, and it’ll equally ghost you.

Why Most People Tune Out

Fear: Talking about money can feel like opening Pandora’s box.

Lack of Knowledge: Schools teach us algebra but not how to budget. (Seriously, when was the last time you used the Pythagorean theorem?)

Denial: It’s easier to swipe the credit card than to check the balance.

Ignoring your finances is like avoiding the dentist. Sure, it’s fine at first, but eventually, things start falling apart—and it’s going to hurt.

Lesson 2: Speak Money’s Love Language—Budgeting

If money had a love language, it would be budgeting.

Far from being restrictive, a good budget is like a map that helps you reach your financial goals without getting lost.

Quick Budgeting Breakdown

Track Your Spending: Apps like Mint or YNAB (You Need a Budget) make this painless.

Set Clear Goals: Whether it’s saving for a house or paying off debt, give your money a purpose.

Use the 50/30/20 Rule: Allocate 50% to needs, 30% to wants, and 20% to savings or debt repayment.

“A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey

A 2022 study by The Federal Reserve found that households with a budget are 44% more likely to achieve their financial goals. Coincidence? I think not.

Lesson 3: Invest in Conversations That Compound

Let’s talk about compound interest, a.k.a. the eighth wonder of the world (according to Einstein).

Whether you’re investing in stocks, real estate, or your education, compounding turns small efforts into massive rewards over time.

Why This Matters

The Early Bird Wins: Someone who invests $200 a month starting at age 25 will have $553,000 by age 65 (assuming a 7% annual return).

If you start at age 35? You’ll only have $254,000.

Time is money.

Though, It’s Never Too Late: Even if you start small, consistency beats perfection every time.

Compound interest is like planting a tree. At first, it’s just a twig, and you’re like, “This is pointless.” But give it a few years, and boom—shade, fruit, and bragging rights.

Lesson 4: The Company You Keep Matters

Ever heard the phrase, “Your network is your net worth”?

It’s true.

Surround yourself with people who understand money, and you’ll start picking up their habits.

Quick Networking Tips

Find a Mentor: Learn from someone who’s been where you want to go.

Join Communities: Facebook groups, local meetups, or even Reddit threads like r/personalfinance are goldmines of advice.

Read and Learn: Books like Rich Dad Poor Dad by Robert Kiyosaki or The Millionaire Next Door by Thomas Stanley can shake your mindset and give you new perspective about money.

Lesson 5: Money Loves Hustlers, Not Burnouts

Let’s debunk a myth: building wealth isn’t about working 80-hour weeks or sacrificing your mental health.

It’s about working smarter, not harder.

Ways to Work Smarter

Side Hustles: From freelancing to flipping items on eBay, extra income streams are game-changers.

Automate Savings: Set it and forget it. Apps like Acorns or Digit can round up your purchases and invest the difference.

Focus on Skills: Investing in yourself pays the highest dividends.

“Do what you have to do until you can do what you want to do.” – Oprah Winfrey

So, Start Listening, Start Winning

Money isn’t just talking—it’s screaming for your attention.

The question is – are you ready to tune in and listen?

Remember, wealth isn’t just about numbers in your account.

Wealth is about freedom, security, and the ability to live life on your terms.

Just as Tony Robbins says, “Change your strategy, change your story, and you’ll change your life.”

Now, start small.

Track your spending, set a budget, or open that investment account you’ve been procrastinating on.

The best time to start listening to money was yesterday.

The second-best time is Now.

What’s your next step? Let me know in the comments—I’m rooting for you!

Also Read: How To Build Relationship With Money: A Spiritual Approach To Wealth

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