Inquiry · “You Are Not Your Thoughts”
Healing the Money Wound
Surface and reframe inherited, limiting beliefs about money and deservingness, then consciously decide one is worthy and open to receiving — replacing scarcity and over-doing with worth-based receptivity.
Healing the money wound in brief: Write out the money story you inherited as a kid, find the deservingness beliefs hiding in specific memories, and question then re-decide each one. Separate your worth as a person from your bank balance — then decide you’re worthy to receive. Practice opening to receive: release guilt and over-doing, and allow. Revisit it as new layers surface, and pair it with real financial action.
What it is
A belief-inquiry and receptivity practice from money-mindset coach Amanda Frances. It has two linked moves:
(1) excavating the inherited “money story” — the often-unconscious beliefs about money, deservingness, and what’s possible that you absorbed in childhood — and reframing them; and (2) the practice Frances is most distinctive for, receiving: deciding you are worthy and consciously opening to let money in, rather than gripping, sacrificing, or doing ever more.
Her counseling background shows here: it treats money difficulty as largely a belief and worth problem, not only a strategy problem.
The Method
Faithfully synthesized from Rich as Fck and Frances’s teaching (e.g. Money Mentality Makeover*, “healing money memories”):
- Name your money story. Write out what you learned about money growing up — what was said, modeled, and felt (money is hard, scarce, dirty, for other people, you have to suffer for it). Frances’s premise: “the beliefs you picked up about money as a kid are probably running the show.”
- Locate the wound. Identify specific memories and the deservingness beliefs attached to them (“we can’t afford that,” “people like us don’t…”). See how each still drives present financial behavior.
- Question and reframe. Examine each limiting belief — is it true, is it yours, does it serve you? — and consciously choose a new one. Frances frames this as “deciding how the world works” rather than passively inheriting it.
- Separate worth from money. Affirm that your worthiness as a person is not contingent on your bank balance — and therefore that you’re already worthy of receiving more.
- Decide you’re worthy to receive. Make worthiness a decision, not a verdict you’re waiting on: “If anyone’s worthy, it’s me.”
- Open to receive. This is her signature emphasis: stop the over-doing, sacrifice, and gripping; practice allowing — releasing guilt and resistance around having, being given to, spending, and being supported. Expansion, she teaches, not restriction.
- Revisit. Treat it as ongoing — money wounds resurface at each new level; return to the inquiry rather than expecting a one-time fix. (Sourcing note: short phrasings such as “if anyone’s worthy, it’s me” and module language like “deciding how the world works” are attributed to Frances; the numbered protocol is a faithful synthesis, not a reproduction of her text.)
Source & Lineage
Amanda Frances (b. 1988) brings a psychology degree and a counseling master’s — plus a ministry background — to money work; she taught this through Rich as Fck (2020) and programs like Money Mentality Makeover.
The belief-excavation half belongs to the inquiry / belief-change family (Quimby’s “correcting false belief,” Lefkoe’s belief process, Byron Katie’s The Work); the receiving* half is her distinctive contribution to the New Thought prosperity stream, where “release to receive” (The Inner Creates the Outer) is given a self-worth, feminine-empowerment framing.
Common refinements
Turning “receiving” into passivity. Opening to receive is not waiting for money to arrive — it pairs with asking, earning, and acting.
- Forcing reframes you don’t believe. Genuinely question a belief before replacing it; pasted-on positivity over unresolved shame doesn’t hold.
- Self-blame loops. “I must still have a money block” can become another stick to beat yourself with — and edges into victim-blaming if applied to others’ poverty. Notice that trap.
- One-and-done expectation. Money wounds recur at new income levels; revisit the inquiry.
- Skipping real pain. If a memory opens grief or trauma, that’s therapy territory, not a journaling quick-fix.