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The “I Can’t Afford It” Antidote

Next time you catch yourself about to say, “I can’t afford it,” pause.

It’s bad magic. It feeds your money monster.

“I can’t afford it” blames money, makes money the bad guy, and takes away your power. It makes you small. It’s like fresh meat for your monster.

My friend Chellie Campbell, author of “The Wealthy Spirit,” (great book) taught me an awesome reframe years ago, that I love to share with clients, friends, non-clients, and that I try to practice myself.

Instead of “I can’t afford it,” say, “It’s not a financial priority for me at this time.”

Feel the difference?

Even if you’re silently saying to yourself, “My financial priority this month is paying my rent!” owning it is honest and powerful. It makes you responsible. Puts you in charge. And you’re Money Honey loves it when you’re in charge!

Here’s a little mea culpa confession…

I caught myself saying “I can’t afford it” just last month. It’s so easy! Especially for us polite, people-pleaser types.

A coach I admire and respect invited me to take her program. I smiled, talked about how much I’d already spent on coaching this year, and told her I couldn’t afford it.

It was a lie! It would’ve been a pain to come up with the cash, and I did spend an awful lot on coaching this year, but the real truth is I wasn’t motivated enough.

I think I said “I can’t afford it” because I wanted her to like me. (Can anyone relate?) It was such an easy out. And it was completely out of integrity with everything I teach.

I had to come clean and tell her the truth. And you know what? I discovered that area of my life–the subject she teaches–really ISN’T a priority for me at this time! So I learned a little something about myself as well…


P.S. Here’s a little magic for when you find that you really, really WANT something and you don’t see where the money’s going to come from…

Replace “I can’t” with “How can I?”

Replace “I am struggling” with “I am resourceful.”

I saw one of my students manifest $8,000 OVERNIGHT when she changed her language! Her language changed what she created. She awed and amazed us both.

(And now Nova Wightman is one of my licensed Financial Alchemy Master Coaches, the owner of Go Within Life Coaching, and the magical mother of baby boy Conan.)

  1. Jessica says:

    thank you for being honest and authentic, I really appreciate it. I realized when I heard you talk about the “can’t afford it” excuse in your previous video, that my money monster LOVED to feed of this excuse, so I stopped using it and my life is turning aroud at a really fast pace : )

    Have a great day!


    1. Morgana Rae says:

      You’re very welcome Jessica.

  2. Beth says:

    Excellent reframes!

    Language is so powerful.

    When I heard the “financial priority” in your last video it hit home with me big time. I have already started using it. Result: don’t feel bad, guilty, or like I’m missing out. Instead I feel strong and powerful. I know what my priorities are. Hurray!

    1. Morgana Rae says:

      Amazing, isn’t it? Yay Beth!

  3. Cheryl says:

    What about things that are a financial priority for you right now – like basic bills, rent, food, etc. – that aren’t showing up no matter how much you do for your MH. In other words, what about things that are a priority that you still can’t afford?

    That is what I’m faced with right now…

    1. Morgana Rae says:

      Dear Cheryl,

      Believe me, it pains me to hear of your anxiety. This is really between you and your money… and life.

      And I have a couple of suggestions that I hope will help:

      1) It doesn’t sound like you and your MH are trusting each other. Do the process again, even if you need to kill your current “MH” as a monster. Do the process over, from the beginning.
      2) When you really DO have an MH you can trust, ask him WTF is going on.

  4. Cheryl says:

    I will do my best… I feel like a “man eater”, killing off all of my MHs as they come along because something new crops up that ruins the relationship beyond repair. Trust has been a recurring one of those, which makes me think the alchemy just isn’t happening…

    Oh, how I dream of coaching with you Morgana. I have even sent off emails to that effect, inquiring about your coaching programs – only to have them mysteriously returned undeliverable.

    I’m at a pivotal, make or break my happiness and joy point right now. One path leads to happiness and fulfilment and dreams coming to life! The other leads to crushing failure and loss of everything, and having to do something I don’t enjoy to pay for the last few pieces of what matters to me…

    The problem is, its dark in here and I can’t even see which path I’m on – or even if I have time to turn back.

    Thinking of you in Bali – and thanks again for your blog. Its a great supplement to the workbook when I need it!

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