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Why Do I Lose All My Money?

By Prem Kaithwas

Before jumping to the reasons why you keep losing money, let’s pause for a moment. Ask yourself: Why do I even want to keep money with me?

If you don’t have a clear reason, then maybe that’s exactly why money slips away. Sounds brutal? Maybe. But this isn’t about being nice — this is about being honest.

You Need a Reason to Keep Money

It’s not enough to just say “I want money.” You need a why behind it. And sometimes, even a simple reason isn’t enough.

Here’s the truth: your brain is a meaning-making machine. Everything you believe about money — how to earn it, save it, spend it, or waste it — comes from the meaning your brain has attached to it over the years. These meanings are shaped by your experiences.

So ask yourself: What meaning have I given to money?


How Your Past Shapes Your Money Habits

Your money habits didn’t start with you — they were inherited. Think about it:

  • How did your parents use their money? Were they good managers or careless spenders?

  • Did they invest, or did they think investing was “too risky”?

  • What did you see growing up? Were rich people admired, or judged?

Your childhood experiences leave deep impressions. The truth is, many of your money habits and beliefs aren’t really yours — they’re borrowed. You adopted them, and your brain accepted them as the truth.

A Simple Money Mindset Exercise

Take a pen and paper. Write down your thoughts under these headings:

  1. My experiences with rich people and my ideas about them and money

  2. My parents’ relationship with money

  3. My childhood experiences that shaped how I think about money

Once you’ve written them down, read them again carefully. Notice how many of these ideas are not really yours.

Time to Reprogram Your Money Mindset

Now that you can see these beliefs don’t belong to you, you can choose to create new ones.

Put your hand on your heart and say:

“I can see that my old perception about money is not mine. I am open to creating happier, healthier, and richer ways of handling money.”

Repeat it until it feels true. Because once you change the meaning of money in your mind, you’ll stop losing it.

Final Thoughts

You don’t lose money just because of bad luck. You lose it because of the mindset and habits that were handed down to you. The good news? You can reprogram those habits and create a new relationship with money.

Your money doesn’t control you — your perception of it does. Change that, and everything changes.

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