Do you ever wonder why no matter how hard you work or how much you try to save, your bank account always seems to hover at the same disappointing level? You’re not alone.
The truth is, staying broke isn’t just about how much money you make—it’s about the habits, mindset, and financial choices that keep you stuck in the same cycle. If you want to break free, it’s time to take a hard look at what’s holding you back.
Here are six reasons why you’re still broke—and how to fix them.
Be honest—when you think about money, do you feel stressed? Guilty? Overwhelmed?
If money feels like something you’re always chasing, avoiding, or never having enough of, you’re creating a toxic relationship with it.
Instead of seeing money as a source of stress, start seeing it as a tool. Something that works for you, not against you. The way you think about money directly affects how much of it you attract and keep.
Start here: Stop saying, “I’m broke.” Even if it’s a joke, words matter. Start shifting to “I’m learning how to manage my money better.”
2. You Spend Like You’re Rich, Then Panic Later
One minute, you’re buying that overpriced coffee, a cute outfit, and ordering takeout three nights in a row. The next, you’re staring at your bank account wondering where all your money went.
You don’t need to stop spending—you need to start spending with intention.
Most people who feel broke aren’t actually earning too little—they’re just spending without thinking. Money leaks everywhere, and suddenly, you feel like you have nothing.
Start here: Before buying something, ask yourself: Would I still want this if I had to pay double for it? If the answer is no, you probably don’t really need it.
3. You’re Not Making Your Money Work for You
If all your money is sitting in a checking account, doing nothing, you’re playing the game wrong.
The reason rich people get richer isn’t just because they make a lot—it’s because their money grows while they sleep.
The sooner you start investing, the sooner you break the cycle of feeling like you have just enough but never more.
Start here: Open an investment account. Even if you can only put $10 a month in at first, it’s better than waiting for “someday.”
4. You Focus on Saving Instead of Earning More
Yes, saving money is smart. But if your entire financial strategy is about cutting costs instead of increasing income, you’re limiting yourself.
There’s only so much you can cut, but there’s no limit to how much you can earn.
Rich people don’t obsess over skipping lattes—they focus on building skills, creating value, and finding ways to make more money.
Start here: Instead of asking, “How can I spend less?” start asking, “How can I make more?” Side hustles, better-paying jobs, and passive income are all part of the equation.
5. You Compare Yourself to People Who Have More
Scrolling through social media, seeing influencers and celebrities living in luxury? It’s messing with your mind.
You feel broke not because you actually are, but because you’re comparing your real life to someone else’s highlight reel.
Here’s the truth: many people who look rich online are drowning in debt. The designer bags, luxury trips, and perfect apartments? Half of them are funded by credit cards and sponsorship deals.
Start here: Unfollow accounts that make you feel like you’re failing financially. Focus on your journey, not theirs.
6. You Don’t Have a Financial Vision
If you don’t have a clear vision of what “wealth” looks like for you, you’ll always feel lost.
How much money do you actually need to feel secure? What kind of life do you want to build? If you don’t define it, you’ll never feel like you’re making progress.
Start here: Write down your dream lifestyle. How much would it cost per month? What would financial freedom mean to you? Once you know your goal, it’s easier to make a plan to get there.
If you’re tired of feeling broke, it’s time to stop blaming your circumstances and start changing your habits. Financial freedom isn’t about earning millions—it’s about being intentional, disciplined, and proactive with what you already have.
Every small change adds up, and the sooner you start, the sooner you’ll feel the shift. So ask yourself: What’s the first step you can take today to stop staying broke?
