Money scripts

Psychologieab 9 J.

Unconscious beliefs about money that we learned as children: “Money is the root of all evil”, “Rich people are greedy”, “You don't talk about money”. These scripts determine your financial behaviour.

Money scripts (Geld-Scripts) are deep-rooted beliefs about money that we usually adopt unconsciously from our parents and our surroundings.

4 types of money scripts (according to Klontz & Klontz):

1. Money avoidance:

"Money is bad", "Rich people are immoral", "I don't deserve money"
Consequence: sabotages your own financial success

2. Money worship:

"More money solves all problems", "I'll never have enough"
Consequence: excessive focus on money, workaholism

3. Money status:

"My worth is determined by my wealth", "I have to look rich"
Consequence: excessive consumption, debt for status symbols

4. Money vigilance:

"You always have to save", "Spending is wrong", "You don't talk about money"
Consequence: excessive saving, guilt when spending, no communication

What you can do: recognise your own money scripts. Ask yourself: what did my parents teach me about money? What sayings about money did I hear as a child? Are these beliefs helpful – or are they holding me back?

Did you know? Studies show that 90% of our financial habits are based on unconscious money scripts that we formed before the age of 12. That's why financial education for children is so important.

→ Lernmodul: Geld und Gefühle

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