Money habits men verse woman and the emotions that control our thinking

 

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In this episode of Year of Profit, we dive deep into the emotional side of money. I explore how men and women often relate to finances differently—emotionally, psychologically, and culturally. From saving and spending habits to the fear and freedom money brings, we look at how your upbringing and gender might shape your financial mindset. Get ready for eye-opening insights and practical tips for navigating money more consciously and confidently.

    These are generalizations: Not all men or women fit these patterns, and individual financial approaches vary widely.

    Evolving Roles: Gender roles are evolving, with more women entering high-paying fields and men increasingly valuing work-life balance, leading to changes in financial behaviors.

    Communication is Key: Open communication about finances in relationships is vital to understanding and aligning different financial perspectives

🔍 Episode Structure:

1. Opening Hook (1–2 mins)

    Pose a thought-provoking question:

    “Why do some people see money as freedom, and others see it as stress?”

    Share a brief personal story or listener anecdote (if you have one) about money emotions.

2. Understanding the Emotional Side of Money + The Flow of Money

We often think of money as logical, mathematical — income, expenses, budgets, interest rates. But in reality, money is deeply emotional. It touches everything: our sense of self-worth, our feeling of safety, our relationships, and even our happiness.

💡 Money Is Emotional, Not Just Transactional

Most of our money decisions are driven by emotion — not reason. For example:

    Why do some people overspend when they're sad?

    Why do others hoard money and feel unsafe even with a full bank account?

    Why does talking about money with your partner sometimes lead to conflict?

These reactions aren’t just financial — they’re emotional. And often, they’re unconscious.

🧠 Money Scripts: Where Our Beliefs Begin

We all grow up hearing messages about money:

    "Money doesn’t grow on trees."

    "Rich people are greedy."

    "We can't afford that."

    "You have to work hard for every dollar."

These become internalized “money scripts” — beliefs we carry into adulthood. And they shape how we feel about earning, spending, saving, and investing.

Some common emotional scripts:

    Scarcity mindset: Fear there will never be enough.

    Worth = Wealth: Belief that your value comes from your financial status.

    Guilt about success or fear of judgment.

🔄 The Flow of Money: A Mirror for Your Emotions

Money flows in and out of your life just like energy. And just like energy, if you resist it, hoard it, or fear it — it stagnates. Here’s how emotional states influence that flow:

1. Fear Blocks Flow

    When you're afraid to spend or invest, you cling to money.

    That can lead to missed opportunities, scarcity thinking, and stress — even if you have enough.

    Emotionally, fear tightens your grip, and money stops circulating.

2. Gratitude Attracts Abundance

    People who practice gratitude for what they already have often see more financial opportunity.

    This isn’t magic — it’s mindset. Gratitude opens your awareness to possibilities.

3. Generosity Creates Circulation

    Giving (time, money, energy) often leads to unexpected returns.

    Not in a mystical sense — but generous people build networks, trust, and opportunities.

4. Confidence Increases Earning Power

    If you believe you’re worthy of wealth, you’re more likely to take smart risks.

    Confidence invites flow — you trust money will return, so you’re not frozen by fear.

 

🌊 The Emotional Flow Loop

    Emotion → Behavior

    (e.g., Fear → Hoarding; Guilt → Undervaluing your work)

Fear tend to hoard money or avoid checking accounts.

Guilt might overspend on others but never on themselves.

Low self-worth may undercharge or settle for less.

Confidence and trust often take action, invest, or ask for raises.

    Behavior → Financial Outcome

    (e.g., Undervaluing → Undercharging → Low income)

    Financial Outcome → Reinforces Emotion

    (e.g., Low income → More fear or shame)

These behaviors then reinforce their emotional state — it becomes a loop.

Breaking this cycle requires emotional awareness — knowing your triggers, identifying your patterns, and consciously reshaping them.3. How Men and Women Tend to Differ (7–10 mins)

    Be careful to speak in general trends, not stereotypes. Acknowledge variation.

The Feedback Loop of Money & Behavior

🔹 Women (generally):

    Often associate money with security and relationships.

    Tend to be more cautious with investing.

    May feel guilt or shame around spending on themselves.

    More likely to experience “money anxiety” even when doing well.

 

🔹 Men (generally):

    Often link money to status, power, or independence.

    May take more financial risks.

    More likely to tie self-worth to income level.

    Can suppress financial vulnerability or fear.

    Include data points or studies if you like (I can help gather those).

 

4. Why These Differences Exist (5 mins)

    Societal conditioning: boys vs. girls growing up (e.g., "provider" vs. "nurturer").

    Media portrayals of money and success.

    Role models and parental influences.

 

5. Here's a look at some of the common differences:

1. Risk Tolerance and Investing:

    Men: Tend to have a higher risk tolerance and may be more inclined towards aggressive investments. This could be influenced by societal expectations where men are often seen as providers and risk-takers.

    Women: May be more risk-averse and prioritize financial security and stability. Studies suggest women tend to be more cautious investors, potentially leading to a more stable investment performance over time.

 

2. Financial Goals:

    Men: Often prioritize growing their retirement savings.

    Women: May place a higher priority on supporting their families, which can include childcare or caring for elderly parents. This aligns with traditional societal expectations of women as nurturers.

 

3. Spending Habits:

    Men: Research indicates men are more likely to make status-driven purchases, potentially to project success.

    Women: Tend to spend on experiences or items that enhance comfort or benefit their loved ones. They are also often more price-conscious shoppers.

 

4. Attitudes and Feelings about Finances:

    Men: May report feeling more hopeful, less stressed, and more capable of achieving their financial goals.

    Women: Might experience more financial anxiety and lower confidence, even when possessing comparable financial knowledge.

 

5. Influencing Factors:

    Societal Expectations: Traditional gender roles have played a significant role in shaping financial perspectives and behaviors.

    Income Disparity: The gender pay gap, where women, on average, still earn less than men, can influence financial priorities and strategies.

    Longevity: Women generally live longer, necessitating a more cautious approach to financial planning to ensure long-term stability, particularly in retirement.

6. Call to Action + Takeaways (2–3 mins)

    Encourage listeners to journal about their money emotions.

    Suggest a challenge: talk to a partner/friend about their money story.

    Promote your coaching, newsletter, or another episode (e.g., on budgeting or abundance mindset).

 

The Law of Attraction & How People Behave with Money

The Law of Attraction says that like attracts like — the energy and mindset you project will attract similar experiences into your life. While this is often dismissed as "woo-woo," there’s a real-world behavioral component to it that ties directly into how people handle money.

 

Let’s break it down.

🔮 What Is the Law of Attraction (in money terms)?

    If you constantly think, “I’m broke, I can’t afford that,” you reinforce scarcity.

    If you believe, “I always find ways to earn more, money flows to me easily,” you open yourself to opportunity.

    The mindset creates your emotional frequency, which then guides your actions — and actions lead to outcomes.

 

🧍‍♂️🧍‍♀️ Behavioral Patterns Based on Beliefs

1. Scarcity Mindset = Defensive Behavior

    Hoarding money.

    Avoiding investments or risk.

    Constant anxiety about bills.

    Saying “no” to opportunities out of fear of loss.

    🎙️ Podcast Tip: Share a personal story or a client example of someone trapped in scarcity.

 

2. Abundance Mindset = Proactive Behavior

    Seeking new income streams.

    Willingness to invest in skills, businesses, or people.

    Generosity — giving without panic.

    Trust that money circulates and grows.

    🎙️ Add a story of someone who shifted mindset and began attracting better outcomes.

 

💭 Belief > Emotion > Action > Result

People behave around money not based on logic, but on what they believe to be true. For example:

    A woman who believes she’s bad with money may never try to learn investing — reinforcing the cycle.

    A man who grew up believing money causes conflict may avoid managing it altogether — sabotaging his own growth.

If you change the belief, the behavior follows — and the results change.

🛠️ Bringing the Law of Attraction Down to Earth

You don’t need to “manifest a million dollars overnight.” Instead:

    Visualize yourself handling money with confidence.

    Affirm: “I am worthy of wealth,” “I attract opportunities to grow my income.”

    Act on those beliefs — budget, invest, have open conversations, give generously.

Think of the Law of Attraction as aligning your mindset, emotions, and habits toward financial well-being.

How to Practice the Law of Attraction with Money (Realistically)

    Get Clear on What You Want

        Write down your ideal financial reality: savings, lifestyle, impact.

    Feel the Feelings Now

        Gratitude, joy, confidence — feel these before the money arrives.

    Change Your Language

        Stop saying: “I’m broke” → Start saying: “I’m building wealth.

        Words shape thoughts. Thoughts shape actions.

    Take Micro-Actions

        Make a budget.

        Ask for help.

        Start a side hustle.

        Read a financial book.

    Stay Open to Unexpected Sources

        Money can flow from unexpected directions when you're aligned.

 

✅ Challenge for Listeners

    Write down 3 limiting beliefs about money you grew up with.

    Replace them with 3 empowering affirmations.

    Practice those affirmations daily and act as if they’re already true.

The Year of Profit podcast, hosted by Joe Shortridge, is your go-to resource for transforming every aspect of your life. As a seasoned life and financial coach, Joe brings a unique blend of personal development and financial wisdom to each episode. This podcast is designed for anyone looking to improve their mindset, boost productivity, manage stress, and achieve financial success. Whether you're striving to overcome personal challenges, build better habits, or enhance your financial literacy, The Year of Profit offers actionable strategies to help you reach your goals.

Joe’s expert advice covers a wide range of topics, from mental wellness and time management to wealth-building techniques and entrepreneurial mindset. Each episode provides listeners with practical steps they can immediately apply to their daily lives, leading to long-term growth and fulfillment. Through relatable stories and proven strategies, Joe empowers you to take control of your life, create positive change, and maximize your potential.

If you're ready to take your life to the next level and start living with purpose, The Year of Profit podcast is the perfect place to begin. Tune in each week for new insights, motivation, and inspiration to start your journey toward lasting success and well-being.