In the field of financial psychology, individual thoughts about money are called money scripts. The collection of these scripts makes up your money mind-set.
This mind-set is developed between the ages of 5 and 15 and is primarily a result of watching your parents, caregivers and influential adults interact with money. Because these scripts are developed in childhood, they are often oversimplified and don't adequately factor in the complexity found in most financial matters.
Everyone has a money mind-set, but most of us are unaware that we do. The reason is that these beliefs often reside in the unconscious mind.
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For example, if you had parents who fought about paying the bills every month, you might have developed a money scripts that says, "Talking about money is bad and leads to fighting."
In adulthood, you get married and find yourself avoiding financial conversations with your partner. If your partner has a different money script than you, you might—ironically—fight about money. You hope he or she will just stop badgering you. The real solution is talking more openly about money and uncovering the diverse scripts at the root of the issue.