How to Create a Mindset of Financial Abundance in Today’s Economy
Most people approach money from a place of fear. They worry about what they do not have, fixate on bills they cannot pay, and assume that wealth is something that happens to other people. That pattern of thinking is not a personality flaw; it is a deeply conditioned response that develops over years of exposure to financial stress, cultural messaging, and inherited beliefs. The encouraging reality is that it can be changed, deliberately and permanently.
Creating a mindset of financial abundance is not about ignoring your bank balance or pretending that economic challenges do not exist. Today’s economy is genuinely difficult. Inflation, rising interest rates, stagnant wages, and housing affordability pressures are real forces that affect millions of families. Nevertheless, the difference between people who build wealth within those conditions and those who remain stuck is, more often than not, a difference in mindset before it is a difference in income.
This guide draws on psychology, behavioural finance, and the practical wisdom of people who have transformed their financial lives from the inside out. According to Lewis Howes, who went from sleeping broke on a friend’s couch to building significant wealth, the root problem was never money itself. It was the mindset that created money. That insight is the starting point for everything that follows.
By the end of this article, you will understand what an abundance mindset actually is, how scarcity thinking holds people back financially, and what specific, practical steps you can take to rewire your relationship with money, even in a challenging economic environment.
Understanding the Scarcity Mindset and Why It Keeps People Stuck
Before exploring abundance, it helps to understand its opposite. A scarcity mindset is the persistent belief that there is never enough: not enough money, not enough opportunity, not enough time. Psychologists Sendhil Mullainathan and Eldar Shafir documented this phenomenon extensively in their research, later published in the book Scarcity: Why Having Too Little Means So Much. Their work demonstrated that scarcity of any resource, including money, occupies mental bandwidth in ways that impair decision-making and perpetuate cycles of lack.
In practical terms, a scarcity mindset shows up in predictable ways. You might avoid opening financial statements because the numbers feel overwhelming. You might spend impulsively when you do have money, as though it will disappear anyway. Alternatively, you might hoard cash out of fear rather than invest it, missing out on growth that could genuinely improve your future. All of these behaviours make financial sense from inside the scarcity frame, and all of them make the underlying problem worse.
The Miracle Morning community describes this cycle with particular clarity: thoughts create feelings, feelings create actions, and actions produce results. If the starting thought is rooted in scarcity, every subsequent step in that chain leads further away from financial health. Shifting the cycle, therefore, requires intervening at the thought level, not just the budget level.
Where Scarcity Beliefs Come From
Most financial beliefs are formed before the age of ten. Children absorb the attitudes, language, and emotional responses to money that they observe in the adults around them. If a child repeatedly heard ‘we cannot afford that’ or saw parents argue about bills, those experiences leave neural imprints that shape adult financial behaviour decades later. Lewis Howes calls these ‘money scripts’ and points out that most people are still carrying the exact financial beliefs they internalised as children.
Cultural messaging reinforces these scripts further. Media portrayals of wealth often associate it with greed, luck, or corruption. Religious traditions sometimes frame money as morally suspect. Social circles can quietly punish visible financial ambition through judgment or social exclusion. Consequently, many people carry a simultaneous desire for money and a deep-seated belief that wanting it is somehow wrong. That internal conflict makes progress nearly impossible until it is surfaced and addressed directly.
Identifying your own money scripts is therefore one of the most powerful financial moves you can make. The Financial Therapy Association trains practitioners specifically to help individuals uncover and rewrite these patterns. Even without professional support, keeping a journal that records your emotional reactions to financial events can reveal patterns that were previously invisible to you.
What a Financial Abundance Mindset Actually Looks Like
An abundance mindset is not wishful thinking or toxic positivity. It is not about telling yourself that money will magically appear or that financial problems are not real. Instead, it is a genuinely different lens through which financial reality is viewed and interpreted.
People with an abundance mindset believe, fundamentally, that opportunities to earn, grow, and create value are expandable. They see wealth not as a fixed pie where one person’s gain requires another’s loss, but as something that can be created, multiplied, and shared. Furthermore, they approach setbacks as information rather than evidence of their fundamental unworthiness of wealth. A business failure becomes a lesson. A missed investment opportunity becomes motivation to learn more. A job loss becomes the push toward a better-suited career.
According to Investopedia’s wealth-building framework, building wealth requires consistent behaviour over time: earning money, managing it carefully, and investing it so that it grows. An abundance mindset does not replace those behaviours; it makes them sustainable. Without the right internal framework, even the best financial strategies fall apart under the pressure of fear, doubt, or impatience.
| Scarcity Mindset Trait | Abundance Mindset Equivalent | Financial Impact |
| ‘There is never enough’ | ‘There is always more to create’ | Opens new income opportunities |
| Avoids looking at finances | Reviews finances regularly | Better decisions, fewer surprises |
| Spends when anxious | Saves and invests first | Compounds wealth over time |
| Sees others’ success as a threat | Sees others’ success as inspiration | Builds stronger networks |
| Focuses on the cost of everything | Focuses on value and return | Better long-term investment choices |
| Money feels shameful or difficult | Money is a neutral tool | Reduces emotional decision-making |
| Waits until conditions are perfect | Starts with what is available now | Accelerates progress significantly |
Mindset Shift 1: Stop Trading Time for Money as Your Only Strategy
The most pervasive financial belief in working culture is that income is something you earn by showing up somewhere for a fixed number of hours. While earned income is real and necessary, treating it as your only financial lever is a scarcity-based limitation that most people never examine. The wealthiest individuals in any society earn the majority of their income from assets, not from hours worked.
This does not mean you need to quit your job tomorrow or start a business overnight. Rather, it means cultivating the habit of thinking about income in broader terms. What skills do you have that could be packaged and sold beyond your primary employment? What knowledge could you teach? What assets could you gradually build, whether that is a rental property, a dividend-paying investment portfolio, or a side business?
Steve Pavlina, writing from personal experience of building financial abundance during a recession, argues that the biggest mistake most people make is focusing on making money directly. His counterintuitive insight is that focusing instead on delivering genuine value, on creating things that matter and help others, consistently leads to financial abundance more reliably than chasing money itself. This reframe shifts your focus from a scarce resource (your time) to an expandable one (your value creation capacity).
Practical Ways to Start Building Multiple Income Streams
Starting a second income stream does not require significant capital or time. Freelance platforms likeUpwork andFiverr allow professionals to monetise existing skills immediately. Content platforms likeYouTube, Substack, andMedium’s Partner Programme provide vehicles for turning knowledge into passive income over time. Dividend investing through platforms likeM1 Finance orFidelity allows even small amounts of capital to begin generating regular income.
The key is to start small and stay consistent rather than waiting for the ideal moment. An abundance mindset rejects the idea that building wealth is only possible under perfect conditions. As the Miracle Morning’s Hal Elrod puts it, even saving just 1% of your income is a meaningful starting point. The habit itself matters more than the initial amount.
Mindset Shift 2: Invest First, Spend What Remains
Most people manage their finances in a sequence that almost guarantees they will never build wealth. They earn money, spend what feels necessary or enjoyable, and then try to save whatever happens to be left over at the end of the month. When money is tight, as it so often is, nothing is left over. The savings never happen.
Wealthy people, by contrast, reverse this sequence entirely. They decide in advance what percentage of their income will be invested, transfer that amount immediately upon receiving it, and then live on what remains. Lewis Howes identifies this as one of the exact habits that separates wealth-builders from wage-earners, and the research strongly supports it. This approach is often called ‘paying yourself first,’ and it is one of the most powerful behavioural changes you can make, regardless of your income level.
How to Automate the Pay-Yourself-First Strategy
Automation removes willpower from the equation entirely. Set up an automatic transfer to a dedicated savings or investment account on the same day your salary hits your bank account. Over time, you will naturally adjust your spending habits to accommodate the reduced available balance, without experiencing the psychological friction of deciding each month whether to save.
For investment automation, robo-advisors like Betterment, Wealthfront, andAcorns make it simple to invest fixed amounts on a regular schedule. Workplace retirement plans, like a401(k) that automatically deducts contributions before your paycheck even reaches your account, are particularly powerful because the money is never perceived as available to spend in the first place.
Additionally, tracking your savings rate over time builds a sense of financial momentum that reinforces the abundance mindset. Tools likePersonal Capital (now Empower), YNAB (You Need a Budget), andMint make progress visible and measurable, which is psychologically motivating over time.
Mindset Shift 3: Reframe Your Relationship With Debt
Debt is one of the most emotionally charged topics in personal finance. For many people, debt carries a heavy burden of shame, anxiety, and self-judgment that makes it harder, not easier, to address effectively. An abundance mindset does not deny that high-interest debt is a serious problem. However, it approaches that problem with clarity and pragmatism rather than paralysing shame.
There is also a meaningful distinction between destructive and productive debt that the abundance mindset helps to clarify. High-interest consumer debt, such as credit card balances and payday loans, genuinely destroys wealth and should be eliminated as quickly as possible. Low-interest debt used to acquire appreciating assets or to fund education that increases earning power can, by contrast, be a tool for wealth creation rather than an obstacle to it. Understanding that distinction is itself a form of financial intelligence.
Effective Strategies for Eliminating Consumer Debt
Two well-tested methods for paying down debt are the debt avalanche and the debt snowball. The avalanche method directs extra payments toward the highest interest rate debt first, minimising total interest paid over time. The snowball method targets the smallest balance first, generating quick psychological wins that maintain motivation. Research from Harvard Business Review suggests that for many people, the snowball method leads to faster overall debt elimination because of its motivational benefits, even though it is mathematically inferior.
Furthermore, balance transfer cards and debt consolidation loans can reduce the interest burden on existing debt, freeing more of each payment to reduce the principal. Resources like the National Foundation for Credit Counselling (NFCC) provide free or low-cost debt counselling for individuals who need structured guidance. Approaching debt with an abundance mindset means treating it as a solvable problem rather than a permanent identity.
Mindset Shift 4: See Economic Challenges as Opportunity, Not Just Threat
This shift is perhaps the most counterintuitive of all, and it is also one of the most consequential. Every significant economic disruption in history has simultaneously destroyed wealth for some participants and created extraordinary opportunity for others. Recessions produce some of the world’s most enduring companies: Airbnb, Uber, WhatsApp, and Slack were all founded during or shortly after the 2008 financial crisis. The question is not whether opportunity exists during hard times but whether you are positioned and prepared to recognise and act on it.
Steve Pavlina’s essay on building wealth during a recession makes this case compellingly. He argues that economic downturns specifically reward those who have cultivated an abundance mindset, because while fearful competitors retract and wait for certainty, those with abundance thinking continue creating, investing, and building relationships. As a result, they emerge from difficult periods significantly stronger.
How to Spot and Capture Opportunity During Economic Downturns
One concrete way to act on this mindset shift is through counter-cyclical investing. When markets fall sharply, the long-term value of quality assets rarely changes as dramatically as their prices suggest. Investors who maintain liquidity and emotional discipline during downturns are able to purchase quality assets at significant discounts. The Warren Buffett principle of being greedy when others are fearful is a classic expression of the abundance mindset applied to investing.
Beyond investing, economic shifts create demand for new skills, new services, and new business models. If you pay attention to where problems are emerging and train yourself to think in terms of solutions rather than complaints, you position yourself as someone who can create value in changing conditions. Platforms like Coursera, LinkedIn Learning, andGoogle Career Certificates make rapid skills acquisition more accessible and affordable than at any previous point in history.
Mindset Shift 5: Money Is a Tool, Not a Measure of Worth
One of the most damaging money beliefs in circulation is the equation of net worth with self-worth. When financial success becomes tied to personal identity and value, both financial and emotional well-being suffer. Good months feel like personal validation. Bad months feel like personal failure. This emotional volatility creates exactly the kind of impulsive, reactive financial behaviour that prevents stable wealth-building.
Separating your identity from your bank balance is, therefore, a foundational step. Money is a resource, a medium of exchange and a store of value, but it is not a reflection of your intelligence, creativity, character, or potential. People with poor money management skills can have high incomes. People with limited incomes can accumulate significant wealth through consistent discipline. Your financial outcomes are primarily the result of your habits and systems, not your inherent value as a human being.
Building Financial Identity Around Values, Not Numbers
A more sustainable financial identity is built around values and behaviours rather than outcomes. Defining yourself as someone who lives below their means, who consistently invests a portion of every pound or dollar earned, who approaches financial decisions with patience and intention, is a self-concept that supports wealth-building regardless of where the market is. These behavioural identities persist through economic cycles in ways that income-based or net-worth-based identities cannot.
Practices that support this shift include regular journaling about financial values and goals, working with a certified financial therapist, and building community with others who share a healthy relationship with money. Books like The Psychology of Money by Morgan Housel and I Will Teach You to Be Rich by Ramit Sethi offer practical reframes of financial identity that many readers have found genuinely transformative. Additionally, listening to podcasts like the BiggerPockets Money Show and ChooseFI can provide a regular dose of abundance-oriented financial thinking.
The Seven Levels of Financial Freedom: A Practical Abundance Roadmap
One useful framework for translating the abundance mindset into actionable steps is the concept of the seven levels of financial freedom, popularised through MyCoastalWealth’s financial planning resources and originally discussed by CNBC contributor Grant Sabatier. These levels provide a concrete map of the journey from financial stress to true abundance.
| Level | Stage Name | Description | Key Actions |
| 1 | Clarity | Know your numbers and net worth | Track income, expenses, and debts |
| 2 | Self-Sufficiency | Cover all expenses with your income | Budget, reduce unnecessary costs |
| 3 | Breathing Room | Small financial cushion above expenses | Build a starter emergency fund |
| 4 | Stability | Emergency fund in place, debts reducing | 3-6 months’ expenses saved |
| 5 | Flexibility | Passive income covers some expenses | Invest consistently, build assets |
| 6 | Financial Independence | Passive income covers all expenses | Portfolio income replaces employment |
| 7 | Abundant Wealth | More than enough for needs and giving | Estate planning, legacy, generosity |
Working through these levels requires both the right mindset and the right actions. Clarity, the first level, is purely a mindset exercise: you cannot manage what you do not measure. As you advance through each stage, the combination of practical financial discipline and abundance thinking compounds in ways that accelerate progress. Importantly, each level also provides its own form of psychological relief, reducing the cognitive burden of financial scarcity and freeing mental energy for creative and productive pursuits.
Daily Practices That Reinforce an Abundance Mindset
Mindset change is not a single event; it is a practice. The neural pathways that support scarcity thinking were built through repetition over the years. Replacing them with abundance-oriented patterns requires equally consistent repetition in the opposite direction. Below are daily habits that research and practitioner experience suggest are most effective for this purpose.
Gratitude Journaling With a Financial Focus
Gratitude practice has robust empirical support from positive psychology research. Studies from the Greater Good Science Centre at UC Berkeley demonstrate that regular gratitude practice measurably increases well-being, reduces anxiety, and improves decision-making. Applied specifically to finances, a daily gratitude journal that documents what you have, what you have earned, and what financial progress you have made redirects attention away from scarcity and toward evidence of abundance that already exists in your life.
This practice does not require large amounts of time. Three to five minutes each morning to write down two or three specific financial things you are grateful for is sufficient to begin retraining your attentional focus. Over time, this habit changes not just your mood but the quality of financial decisions you make throughout each day.
Visualisation and Goal-Setting
Visualisation is sometimes dismissed as new-age nonsense, but the neuroscience behind it is legitimate. The brain does not sharply distinguish between a vividly imagined experience and a real one in terms of the neural patterns activated. Athletes have used mental rehearsal to improve performance for decades with measurable results. Applied to financial goals, regular, clear and specific visualisation of your desired financial state trains your brain to notice opportunities and make decisions consistent with that state.
Combine visualisation with specific, written financial goals. Research by Dr Gail Matthews at Dominican University found that people who write down their goals are 42% more likely to achieve them than those who only think about them. Writing your financial goals in the present tense, specific, and with a clear timeline, transforms vague wishes into motivating commitments.
Intentional Financial Education
The abundance mindset recognises that financial literacy is a skill, and all skills can be learned. Committing to reading at least one finance book per month, listening to one financial podcast per week, or completing one online course per quarter is a straightforward practice that compounds significantly over time. Free resources fromKhan Academy’s personal finance section, Investopedia’s financial literacy hub, and theCFPB’s educational resources make this practice accessible regardless of budget.
Additionally, surrounding yourself with financially successful and growth-oriented people is itself a powerful form of financial education. As Jim Rohn famously observed, you become the average of the five people you spend the most time with. If your social environment is characterised by scarcity thinking and financial cynicism, actively seeking out communities where abundance thinking is the norm can accelerate your own transformation.
Overcoming the Biggest Obstacles to Financial Abundance Thinking
Even with the best intentions, certain common obstacles tend to derail the shift toward an abundance mindset. Anticipating them in advance makes them significantly easier to navigate.
The Comparison Trap
Social comparison is perhaps the most pervasive obstacle to financial abundance thinking. Social media platforms present a relentlessly curated version of other people’s financial lives: the holidays, the cars, the home renovations, the investment wins. This constant exposure to upward comparison activates scarcity thinking and fuels lifestyle inflation, which is the tendency to spend more as income rises, leaving you perpetually stretched regardless of how much you earn.
The antidote is what financial psychologists call ‘enough thinking’: defining what a financially satisfying life looks like for you specifically, independent of what others appear to have. This is not about settling for less but about directing your financial energy toward your own clearly articulated values rather than an external social benchmark that shifts constantly. The FIRE (Financial Independence, Retire Early) movement has built an entire philosophy around this concept, demonstrating that intentional living on less, rather than compulsive consumption of more, is often the faster path to genuine financial freedom.
Perfectionism and Paralysis
Many people delay taking any financial action until conditions feel perfect, until they have more knowledge, a higher income, less debt, or more time. This perfectionism is a manifestation of scarcity thinking, specifically the belief that acting with imperfect resources will lead to failure. It leads to months and years of inaction during which compound interest, skill development, and habit formation that could have been working in your favour sit idle.
The abundance mindset solution is a radical, imperfect action. Open the investment account with whatever you can spare today. Start the side project before you feel ready. Make the budget even though some numbers are estimates. Progress builds momentum, and momentum builds confidence, which produces better decisions and faster results. As the Miracle Morning teaching emphasises, starting with 1% of income is infinitely better than waiting until you can save 20%.
Building Wealth in a Challenging Economy: What the Research Shows
It would be dishonest to claim that mindset alone can overcome all structural economic challenges. Income inequality, systemic barriers to wealth accumulation, and the very real cost-of-living pressures facing ordinary families in today’s economy are not solved by positive thinking. However, within whatever financial reality you currently occupy, mindset and behaviour still determine outcomes to a remarkable degree.
According to research cited by Investopedia, the fundamental steps to building personal wealth remain consistent across economic conditions: earn money, manage it carefully, save consistently, invest for growth, and manage debt intelligently. None of these steps requires extraordinary income, perfect conditions, or lucky timing. They require consistent behaviour maintained over time, which is precisely what an abundance mindset makes possible.
Furthermore, economic volatility specifically rewards those who are prepared. As noted earlier, every market downturn creates buying opportunities for investors who maintain liquidity and composure. Every industry disruption creates an opportunity for workers who have invested in adaptable skills. The current economic environment, challenging as it undeniably is, is also creating real pathways to wealth for those who approach it with clarity, intention, and an abundance mindset.
Creating Your Personal Financial Abundance Plan
All of the mindset work in this article is most powerful when combined with concrete, practical steps. Below is a structured starting framework for translating an abundance mindset into financial action.
Step 1: Conduct a Complete Financial Audit
List every asset you own, every debt you carry, every regular income source, and every regular expense. Do not judge what you find. Simply gather the data with the curiosity of a researcher rather than the self-criticism of a judge. This clarity is the foundation of every subsequent good decision. Use a free tool like Empower’s net worth tracker to organise and monitor this information over time.
Step 2: Define Your ‘Enough’ Number
Rather than vaguely wanting ‘more money,’ get specific about what financial abundance looks like for you. What annual income would feel genuinely freeing? What net worth would allow you to feel secure? What would your ideal lifestyle actually cost? Working backwards from specific numbers, rather than chasing an undefined ‘more,’ gives your abundance thinking a concrete target to organise around.
Step 3: Identify and Address Your Money Scripts
Take time to write down your core beliefs about money. Where did those beliefs come from? Do they serve your financial goals today, or are they legacies of past experiences that no longer apply? For each limiting belief you identify, write a replacement belief that is both more empowering and genuinely credible to you.
For example, if your current belief is ‘people like me do not build real wealth,’ a credible replacement might be ‘consistent financial habits build wealth regardless of starting point.’ The replacement does not have to feel immediately true; it just has to be plausible enough that your mind can begin to entertain it. Over time, as you collect evidence through your own actions, the new belief will strengthen.
Step 4: Build Your Financial System
Set up automatic systems that execute your financial strategy without requiring daily willpower. This includes automatic savings transfers, automatic investment contributions, automated debt repayments, and a simple monthly budget review calendar reminder. The best financial system is the one that runs smoothly in the background while you focus your conscious attention on earning more, learning more, and building more.
Revisit and adjust these systems quarterly as your income and goals evolve. An abundance mindset is not static; it grows and adapts with your circumstances. Treating your financial system as a living document rather than a fixed constraint keeps it aligned with your expanding sense of what is possible.
Frequently Asked Questions
Is a financial abundance mindset the same as the law of attraction?
No. The abundance mindset is grounded in psychology, behavioural science, and practical financial strategy. It does not suggest that thoughts alone manifest money. Rather, it focuses on how internal beliefs shape behaviour, and how those behaviours, compounded over time, produce financial outcomes. The emphasis is firmly on action informed by mindset, not thought divorced from action.
Can I develop an abundance mindset if I am currently in financial difficulty?
Yes, and this is precisely when it matters most. Financial difficulty tends to reinforce scarcity thinking, which in turn tends to produce more financial difficulty. Interrupting that cycle by consciously practising abundance-oriented thinking, even in small ways, can begin to shift the patterns that perpetuate the problem. Start with tiny financial wins: saving even $5 per week, paying off one small debt, completing one free financial education module.
How long does it take to change a financial mindset?
Research on habit formation suggests that new neural pathways take between 21 and 254 days to solidify, with an average of around 66 days for a moderately complex habit. Mindset change is not instantaneous, but consistent daily practice, including journaling, visualisation, education, and aligned financial actions, produces measurable shifts within weeks. Most people report noticeable changes in how they feel about and respond to money within two to three months of sustained practice.
Spend some time for your future.
To deepen your understanding of today’s evolving financial landscape, we recommend exploring the following articles:
5 Best Budgeting Methods Compared: Find Your Fit
Closing the Wealth Gap: Smart Investing for Women
How to Enjoy Treats and Still Win With Your Money
Purpose-Driven Finance: ESG, Impact and Real Change
Explore these articles to get a grasp on the new changes in the financial world.
Disclaimer
This article is for general informational and educational purposes only. It does not constitute financial, psychological, or legal advice. Individual financial circumstances vary considerably. Consult a qualified financial adviser or licensed mental health professional for personalised guidance.
References
[1] L. Howes, ‘5 Mindset Shifts to Unlock Financial Abundance,’ School of Greatness Podcast, Dec. 2025. Available: https://lewishowes.com/podcast/5-mindset-shifts-to-unlock-financial-abundance-lewis-howes/
[2] S. Pavlina, ‘How to Make Lots of Money During a Recession,’ Dec. 2008. Available: https://stevepavlina.com/blog/2008/12/how-to-make-lots-of-money-during-a-recession/
[3] Miracle Morning, ‘How to Manage Your Money in a Recession.’ Available: https://miraclemorning.com/manage-your-money-in-a-recession/
[4] MyCoastalWealth, ‘The 7 Levels of Financial Freedom.’ Available: https://www.mycoastalwealth.com/blogs/the-7-levels-of-financial-freedom-your-path-to-abundant-wealth-elementor
[5] Investopedia, ‘7 Simple Steps to Build Personal Wealth.’ Available: https://www.investopedia.com/managing-wealth/simple-steps-building-wealth/
[6] S. Mullainathan and E. Shafir, Scarcity: Why Having Too Little Means So Much. New York: Times Books, 2013.
[7] Harvard Business Review, ‘Research: The Best Strategy for Paying Off Credit Card Debt,’ Dec. 2016. Available: https://hbr.org/2016/12/research-the-best-strategy-for-paying-off-credit-card-debt
[8] G. Matthews, ‘Goals Research Summary,’ Dominican University of California. Available: https://www.dominican.edu/sites/default/files/2020-02/gailmatthews-harvard-goals-researchsummary.pdf
[9] Greater Good Science Centre, UC Berkeley, ‘Gratitude Definition.’ Available: https://greatergood.berkeley.edu/topic/gratitude/definition
[10] W. Buffett, Berkshire Hathaway Annual Letter to Shareholders, 2008. Available: https://www.berkshirehathaway.com/letters/2008ltr.pdf
[11] Consumer Financial Protection Bureau, ‘Save and Invest.’ Available: https://www.consumerfinance.gov/consumer-tools/save-and-invest/
[12] Financial Therapy Association, ‘Find a Financial Therapist.’ Available: https://financialtherapyassociation.org/find-a-financial-therapist/
[13] ChooseFI, ‘What Is Financial Independence?’ Available: https://www.choosefi.com/what-is-fi/
