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Learn More To Earn More, Your Money Beliefs Uncovered

Disclaimer: Elise Ho, aka “Dr. Ho” is a Holistic Health & Life Coach. Dr. Ho is NOT a medical doctor, licensed therapist, lawyer, or a bevy of other things. Products or services that Dr. Ho believes in are the only ones that she recommends. Dr. Ho may receive compensation, product, or an affiliate commission on anything you see on this site. This is a personal Website solely reflecting Dr. Ho’s personal opinions. Statements on this site do not represent the views or policies of any organization with which I may be affiliated.

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Learn More To Earn More, Your Money Beliefs Uncovered.

Dr. Ho is NOT a medical doctor, licensed therapist, lawyer or a bevy of other things. Dr. Ho is a Natural Health Specialist, Life Skills Counselor, and CBD Educator.

Products or services that Dr. Ho believes in are the only ones that she recommends.  Dr. Ho may receive compensation, product or an affiliate commission on anything you see on this site. Click HERE to read full disclosure details.

To achieve financial comfort you must think, feel and act in a way that supports your financial goals.


There are certain money beliefs that can very much support you and your goals.


  1. Do not deny the importance of money. Money is needed for basic essentials just as much as it is for fancy extravagances. Lose your discomfort with this fact and you will invite more financial freedom to your life.
  2. Happiness is not guaranteed EVEN if you have boatloads of money. You must work on your path to happiness just as you work on your path to financial freedom.
  3. You have the right to charge for your services. We often undervalue ourselves and our services. Service providers tend to be the most guilty of this which causes them to lead with the belief that they should help people for free. This, of course, leads back to the fact that money is needed for basic essentials and that even service providers need basic essentials.
  4. Your belief is your self-fulfilling prophecy. If you believe that you will never be financially comfortable then you never will be. If you believe that you can achieve financial freedom then the possibilities are wide open.
  5. Pay attention. If you do not set a budget and remain aware of where, when and how your money is being spent you will neither achieve financial freedom. Yu will also never truly appreciate what you have and what you have done for it.

An understanding of your financial archetype can help you to better explore your relationship with money, your spending patterns, and your financial habits.


It is generally believed that there are eight financial archetypes.


Author Brent Kessel presents them as such:

  1. The Guardian: Hyper-vigilant and worried about it all falling apart, Guardians are blessed with the gifts of prudence and financial awareness. 
  2. The Pleasure Seeker: Impulsive and sometimes greedy, Pleasure Seekers definitely show us how to find fun and pleasure in life. 
  3. The Idealist: Distrustful of money and often angry at “The Man,” Idealists bring compassion and vision to the world. 
  4. The Saver: Your typical penny-pinching, cheap Scrooge, Savers possess the talents of self-sufficiency and enjoy an abundance of money. 
  5. The Star: Self-important and willing to spend any amount to make themselves look great, Stars are also great leaders with a classy sense of style. 
  6. The Innocent: Overwhelmed by money and often feelings of helplessness, Innocents possess the great gifts of hope and adaptability. 
  7. The Caretaker: Overburdened with feelings of martyrdom and superiority due to taking care of everyone but themselves, Caretakers are wonderful examples of generosity and empathy. 
  8. The Empire Builder: Driven to rule the world and often lonely, Empire Builders demonstrate the traits of decisiveness and innovation. 



An unhealthy relationship with money will block your ability to create the abundance that you desire. #financialadvice Click To Tweet



As we have taken this journey to financial freedom there are a few last questions that it may be useful for you to ask yourself.


Discuss these important money questions with anyone with whom you share your financial responsibility.


  1. Have we set a reasonable and achievable budget?
  2. Does the budget include all of life’s essentials and incidentals?
  3. Do we currently bring enough money into the household to live without stress?
  4. If not, what can we do to change that? Do we need to earn more money? Is it time for us to reevaluate what is essential?
  5. Do we only buy things that we actually need?
  6. Do we spend more than we can afford?
  7. Can we afford to spend more?
  8. Can we afford a splurge?


What does “wealth” really mean?


This is actually a very individual matter.


One person might define wealth as having more money then one knows what do with, another might feel that wealth means not having to worry about how to pay the mortgage while another may feel that having wealth means being able to pay for life’s essentials.


According to Merriam Webster, the meaning of wealth is defined as:


  • : a large amount of money and possessions
  • : the value of all the property, possessions, and money that someone or something has
  • : a large amount or number


It is important to come to your personal definition of wealth and what is needed to get there.

To Your Health,

Elise Ho, Ph.D., D.N.Psy

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Naturally Yours,
Elise Ho
Ph.D., D.N. Psych.
Behavioral & Mental Health Specialist

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15 thoughts on “Learn More To Earn More, Your Money Beliefs Uncovered”

  1. I think I am a mix of The Saver and The Caretaker. My relationship with money has changed from childhood, into adulthood, and a few times since being married almost 22 years ago. My relationship with money is currently changing as our family has a vision and goals to achieve it. It is interesting to look back at how my relationship with money has changed – especially when I started dating, started working full-time, as well as when I was in college. It is sometimes easier than other times. As I have researched budgets, ways to be frugal, ways to make money from home, coupon clipping, as well as saving for a rainy day (which doesn’t really help because we get a couple hundred rainy days a year, LOL), I have come to realize that some of these things have applied at certain times more than others. For several years, I was totally into coupon clipping and price checking three stores. It worked because we did save money. I learned what prices were normal for specific times of the year and which stores had the overall best deals. Now, with COVID-19 affecting everyday life, I shop online and pick the best price. One great thing about having a relationship with money is that, at anytime, I can change it. Thank you, Elise, for the informative article. I truly enjoyed learning from it. ~Adrienne

  2. This is so important!! My husband takes care of the finances… I guess I am The Innocent. I truly enjoyed reading this and have learned something about a field I know nothing about. Thank you for taking the time to write this!

  3. I grew up with not a lot of money. It has taken me a long time to find a happy balance with money. That is to save for tomorrow but also to enjoy today. Post gives good advice.

  4. I love this post! I totally agree money starts with our thoughts. I would consider myself the guardian and caretaker. I have been working on how I think of money and what I use money for.

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About The Author

Dr. Elise Ho

Dr. Elise Ho

Dr. Elise Ho is a Holistic Health & Life Coach with a special interest in emotional health, life alignment, and energy flow.

Elise will partner with you to align your mindset, your energy, your home and your career so that you can live your life's desire with freedom and love.

Elise offers 30 years of experience and multiple certifications and degrees including a Ph.D. in Natural Health and a doctoral degree in Naturopathic Psychology.