🪙 10 uncomfortable questions about money (be honest)
Can I ask you something weird?
When was the last time you actually stopped and thought about how you think about money?
Not what you earn.
Not what you spend.
Just... your relationship with it.
Most people never do.
They just react.
Pay the bill, swipe the card, worry at 2am, repeat.
I was thinking about this the other day.
There’s a concept in psychology where instead of just asking someone “who are you?” you give them situations.
Real ones.
And their answers reveal more about them than they’d ever admit directly.
So I want to try that with you. Around money.
Read each situation below.
Just answer yes or no in your head.
Be honest, I’m not judging, and nobody else will know.
I don’t have money to pay my bills.
My expenses are more than my income, most months.
I love shopping. My credit card balance proves it.
The people around me — family, partner — spend a lot, and it pulls me along.
I give my kids whatever they ask for. Because I grew up without it, and I can’t stand watching them feel that way.
If I manage to save something, it’s gone within weeks. Sometimes days.
My salary barely covers my lifestyle. Savings feel like a fantasy.
I worry I won’t be able to afford my kids’ education when the time comes.
Financial emergencies scare me because I have zero plan for them.
When friends talk about investments or retirement, I go quiet. Because I have nothing to show.
Count your yes answers.
If you said yes to 8 or more — spending is on autopilot for you. And honestly, a lot of it probably isn’t even about the money. It’s emotional. Fear, guilt, wanting to feel good right now. The financial part is just where it shows up.
5 to 7 yes answers — you get it. You know you should save. You’ve probably tried. But something keeps pulling you back. You’re not stuck because you lack knowledge. You’re stuck because the behavior hasn’t caught up yet.
3 to 5 — you’re doing better than most people, genuinely. But there are gaps. Maybe lifestyle creep. Maybe spending when you’re stressed. The foundation is there, you just need to build on it properly.
0 to 2 — okay, real talk, this is rare. Most people reading this won’t be here. If you are, the question isn’t how to stop the bleeding. It’s how to make what you’ve built actually grow.
Here’s what I’ve noticed though.
The situation that hits hardest is usually the one you answered yes to but didn’t want to.
For me it was number 6 for a long time.
Money would show up and disappear before I even made a decision about it.
Felt like I was always starting from zero.
Which one stopped you?
How much yes you have?
Just reply to this email or write down in comment section.
Genuinely curious.
And it’ll help me figure out how can I help you with upcoming articles.
Talk soon,
Be Wealth Operator.
Your Bank account will thank you later.
Resources to help you get started:
Money Rules Cheat Sheet - Quick reference guide for the fundamentals
Wealth Building Resources - My curated collection of books, courses, and tools
Premium Newsletter Access - What the top 1% are reading
~ Be Wealth Operator
P.S. Quick note: I'm not a financial advisor, and this isn't financial advice. I'm sharing my personal experiences and research for educational purposes only. Please consult a qualified financial professional before making investment decisions, and always do your own research.
Number 9. My husband and I are retired and I worry that our savings will be compromised by health issues
Awesome questionnaire!
I only have one yes: number 5--I do buy my children (in their early 20s) what they ask me for.
But because they are versed in financial literacy since they were very young, the rare times they ask for something, they are aware of the value they can get from it.
And yes: I´m truly honest.