The Impact of Positive Self-Talk on Building a Rich Life

Julie Murphy • June 27, 2023

Blog

How to Take Your Manifestations to the Next Level

I often discuss the challenge of managing our own negative thoughts, which can be just like crabs in a bucket. Our own doubts and fears can cause significant harm to our self-esteem and hinder us from pursuing our aspirations. These crabs can pull us back down with constant reminders of our past failures and discourage us from making progress. It's important to recognize and address these thoughts before they take hold and prevent us from achieving our goals.


We may be our own worst crabs. And this has a big part in how we speak to ourselves. Our self-talk is the gateway to what our future could hold. So often, we speak things into existence. If we tell ourselves that today will be a bad day, then it most likely will be. If we say we can't go back to school to get a graduate degree, we'll never even attempt it.


So, how do you talk to yourself? About your body? About your job? About your finances?


Speaking negativity into the universe will only bring negativity in return. Cultivating inner and outer wealth can only happen when we start talking treasure instead of trash.


Here's an action step for you: take thinking positively a step further this week. When you have a positive thought about yourself, say it out loud. When someone gives you a compliment, thank them by repeating what they said to you. This opens you up to receiving.


Instead of "talking trash," speak only treasure into your life. It may feel weird at first, but keep speaking it into your life. Eventually, those positive words will turn into positive actions, and those actions will be the foundation of creating the life of your dreams.


Positive self-talk affirmations are one of my secret weapons in building wealth.


What are positive self-talk affirmations? In psychology, self-talk is believed to be a combination of conscious and unconscious beliefs and biases that we hold onto. It can be either negative or positive and influences our behavior in many ways you may not even recognize.


One of the first steps you can take to change the way you talk to yourself is by building awareness around what you're saying. This helps you start making the changes you need to take on your goals around money.


For example, if you constantly repeat negative affirmations to yourself about money, you might notice yourself saying things like, "I'm never going to have enough money to pay bills," or "I can never seem to hold down a good job."

When you notice that, you're witnessing negative self-talk in real time.


Another important thing to remember about negative thoughts is that our brains are designed to remember and hold onto the times we made a mistake or had a negative experience.


It's common to keep replaying these negative experiences, which in turn adds fuel to our negative self-talk.


On the flip side, positive self-talk helps us cultivate self-compassion for who we are and where we came from. It also helps us be more forgiving when we do make a mistake or experience a negative event.


Positive self-talk switches our narrative from "I can't do anything right" to "next time I'll do better." When we choose to learn from our mistakes, the way we talk to and about ourselves changes as well.


Here are some examples of positive self-talk:

  • "I forgive myself for any past mistakes"
  • "I'm a deserving human being"
  • "I love myself for who I am"
  • "I have permission to change my mind"
  • "I trust myself"
  • "I have the strength to make my dreams come true"
  • "I am proud of myself for even daring to try"


Anything you can think of that is a positive affirmation for making money is a great way to improve your roster of positive self-talk statements

Share Blog On Social

A woman is smiling while money is falling around her.
Image of budget planning worksheets
A sign that says join julie on youtube
A book titled the spiritual laws of money
Get it NOW!

Recent Blogs


By Julie Murphy August 4, 2026
What if nothing is wrong with your life? What if the frustration you feel... The anxiety around money... The constant striving... The feeling that something is missing... Isn't a sign that you're failing. What if it's simply your soul trying to wake you up? So many of us spend our lives searching for the next thing we believe will finally make us feel whole. More money. A different relationship. A better job. A healthier body. Another vacation. Another achievement. Another finish line. Yet somehow, after every accomplishment, that feeling quietly returns. "There has to be more than this." And there is. Not because your life is lacking. Because you've been taught to look for fulfillment in places it was never meant to come from. One of the greatest lessons I've learned is that life is always working for us, even when it doesn't feel like it. Every challenge... Every financial struggle... Every relationship... Every fear... Every success... They're all invitations. Not punishments. Invitations to become more aware. Because awareness changes everything. You can't transform a belief you don't know you're carrying. You can't heal a wound you refuse to acknowledge. You can't create a different future while living from yesterday's programming. This is why I don't believe true wealth begins with your bank account. It begins with your awareness. Money simply magnifies the relationship you already have with yourself. If you believe you're not enough... No amount of money will ever feel like enough. If you don't trust yourself... It won't matter how much financial security you create. You'll still feel uncertain. Real wealth isn't something we earn. It's something we uncover. It's been within us all along, buried beneath years of conditioning, fear, expectations, and stories that were never ours to begin with. When we begin clearing away those layers, something beautiful happens. We stop chasing. We start creating. We stop reacting. We begin choosing. We stop living from fear. We begin living from love. That's where abundance begins. Not outside of you. Inside of you. That's why I created the 21-Day Wake Up Wealth Challenge . Not to teach you how to make more money. Not to convince you that positive thinking changes everything. But to give you space. Space to slow down. Space to become aware. Space to notice the patterns you've been living from without even realizing it. Over the course of 21 days, you'll begin seeing yourself differently. You'll explore the beliefs shaping your financial life. You'll reconnect with your intuition. You'll learn how your emotions influence your decisions. Most importantly... You'll begin remembering that you already have everything within you to create a life that feels aligned, peaceful, and abundant. The challenge isn't about becoming someone new. It's about coming home to who you've always been. If your heart has been whispering that it's time for something different... Listen. It may be the beginning of everything. I'd love to walk this journey with you. Because your greatest investment has never been in the stock market. It's always been in yourself. And when you awaken that relationship... Everything else begins to change. With Love, Julie P.S. Sometimes the biggest transformation doesn't happen because life changes around us. It happens because we finally become aware of the life we've been creating, and realize we have the power to create something new. If you're ready, I'd love to have you join us for the 21-Day Wake Up Wealth Challenge.
Real financial freedom isn't about accumulating more. It's about creating choice.
By Julie Murphy July 7, 2026
Real financial freedom isn't about accumulating more. It's about creating choice.
Abundance is created when you trust yourself enough to let your heart lead the way.
By Julie Murphy June 4, 2026
Many people believe abundance is something they need to create outside of themselves.
Show More

Similar Blogs

By Julie Murphy August 4, 2026
What if nothing is wrong with your life? What if the frustration you feel... The anxiety around money... The constant striving... The feeling that something is missing... Isn't a sign that you're failing. What if it's simply your soul trying to wake you up? So many of us spend our lives searching for the next thing we believe will finally make us feel whole. More money. A different relationship. A better job. A healthier body. Another vacation. Another achievement. Another finish line. Yet somehow, after every accomplishment, that feeling quietly returns. "There has to be more than this." And there is. Not because your life is lacking. Because you've been taught to look for fulfillment in places it was never meant to come from. One of the greatest lessons I've learned is that life is always working for us, even when it doesn't feel like it. Every challenge... Every financial struggle... Every relationship... Every fear... Every success... They're all invitations. Not punishments. Invitations to become more aware. Because awareness changes everything. You can't transform a belief you don't know you're carrying. You can't heal a wound you refuse to acknowledge. You can't create a different future while living from yesterday's programming. This is why I don't believe true wealth begins with your bank account. It begins with your awareness. Money simply magnifies the relationship you already have with yourself. If you believe you're not enough... No amount of money will ever feel like enough. If you don't trust yourself... It won't matter how much financial security you create. You'll still feel uncertain. Real wealth isn't something we earn. It's something we uncover. It's been within us all along, buried beneath years of conditioning, fear, expectations, and stories that were never ours to begin with. When we begin clearing away those layers, something beautiful happens. We stop chasing. We start creating. We stop reacting. We begin choosing. We stop living from fear. We begin living from love. That's where abundance begins. Not outside of you. Inside of you. That's why I created the 21-Day Wake Up Wealth Challenge . Not to teach you how to make more money. Not to convince you that positive thinking changes everything. But to give you space. Space to slow down. Space to become aware. Space to notice the patterns you've been living from without even realizing it. Over the course of 21 days, you'll begin seeing yourself differently. You'll explore the beliefs shaping your financial life. You'll reconnect with your intuition. You'll learn how your emotions influence your decisions. Most importantly... You'll begin remembering that you already have everything within you to create a life that feels aligned, peaceful, and abundant. The challenge isn't about becoming someone new. It's about coming home to who you've always been. If your heart has been whispering that it's time for something different... Listen. It may be the beginning of everything. I'd love to walk this journey with you. Because your greatest investment has never been in the stock market. It's always been in yourself. And when you awaken that relationship... Everything else begins to change. With Love, Julie P.S. Sometimes the biggest transformation doesn't happen because life changes around us. It happens because we finally become aware of the life we've been creating, and realize we have the power to create something new. If you're ready, I'd love to have you join us for the 21-Day Wake Up Wealth Challenge.
Real financial freedom isn't about accumulating more. It's about creating choice.
By Julie Murphy July 7, 2026
Real financial freedom isn't about accumulating more. It's about creating choice.
Abundance is created when you trust yourself enough to let your heart lead the way.
By Julie Murphy June 4, 2026
Many people believe abundance is something they need to create outside of themselves.
Wealth doesn’t come from managing money.
It comes from managing the emotions behind your money
By Julie Murphy May 6, 2026
Your ability to create wealth has far less to do with numbers… and far more to do with what’s happening inside of you.
Show More