The 20 Major Questions About Money That Can Change Your Financial Life

Money is one of life’s greatest teachers.
It reveals how we think, how we plan, and how we prioritize our dreams.

Most people chase money, but the smart ones question it—they ask deeper things like
“Why do I want more money?” or “What’s my plan when I get it?”

In this article, we’ll explore the major questions around money that shape your financial destiny—from mindset and management to growth and purpose.

 1. Money Mindset Questions

Your financial life begins in your mind.
Before money grows in your account, it must first grow in your belief system.

Ask yourself:

• What does “being rich” really mean to me?

• Do I believe money is good, bad, or neutral?

• Am I chasing money or creating value that attracts it?

• What beliefs about money did I inherit from my parents or culture?

• How do I feel when I see someone wealthy — inspired or jealous?

Insight:
Your thoughts create your reality.
If you think money is evil, you’ll subconsciously push it away.
If you see it as a tool for good, you’ll attract it through value and service.

 2. Money Management Questions

You don’t need to earn more to be rich — you need to manage better.
Wealth isn’t about what you make, it’s about what you keep and grow.

Ask yourself:

• Do I know where my money goes every month?

• Am I living below, within, or above my means?

• Do I have an emergency fund that can cover 3–6 months of expenses?

• What’s my plan to pay off debt?

• How much do I save or invest every month — consistently?

???? Insight:
Money doesn’t respect waste.
It multiplies in disciplined hands and disappears from careless ones.

 3. Money Growth Questions

Once you’ve learned to manage money, it’s time to make it work for you.

Ask yourself:

• Is my money working for me — or am I still working for money?

• Do I have multiple income streams?

• What’s my long-term investment strategy (stocks, SACCOs, bonds, real estate, ETFs, etc.)?

• How do I track and measure my financial progress?

• What’s my plan for financial freedom or early retirement?

Insight:
Wealth doesn’t grow in a day — it grows through consistency, patience, and compounding.
Start small, but start now.

 4. Money & Purpose Questions

True wealth goes beyond numbers.
It’s about freedom, impact, and meaning.

Ask yourself:

• What does financial freedom mean to me personally?

• How will I use money to make a difference in my family, community, or continent?

• What legacy do I want to leave behind?

• How do I define “enough”?

• Am I using money to serve my life’s purpose — or sacrificing my life for money?

Insight:
Money without meaning leads to burnout.
But when purpose fuels your pursuit, wealth becomes a force for good.

???? Bonus: The Monthly Money Check-In

End every month with a simple self-audit:
1️⃣ What did I earn?
2️⃣ What did I spend?
3️⃣ What did I save or invest?
4️⃣ What did I learn about myself and money?
5️⃣ What will I do better next month?

Insight:
Wealth isn’t built by chance—it’s built by checking in consistently.

 Final Thought

Money isn’t just about getting rich.
It’s about creating options, freedom, and a legacy.

The moment you start asking better questions about money, you start getting better answers from life.

Next Step:
Create your own “Money ”Journal”—write these 20 questions inside, reflect monthly, and track your growth.

Over time, you’ll notice something powerful:
You’re not just managing money anymore — you’re mastering it.