In a world where financial stress feels nearly universal, a new perspective gaining traction suggests that the words we choose may play a significant role in shaping our financial realities. According to a recent article published by YourTango, manifestation experts argue that simple shifts in language could help individuals avoid the mental traps that often accompany money troubles, offering a surprising new direction for those looking to improve their relationship with personal finances (yourtango.com).
For many Thais, as with people globally, financial anxiety is pervasive, especially amid rising living costs and global economic fluctuations. The article highlights a key finding: Americans currently rate their own financial happiness at just 4.9 out of 10, a figure echoed by similar sentiment in Thailand, where household debt reached a 16-year high in 2024 according to the Bank of Thailand (Bangkok Post). But far from focusing only on strategies like budgeting or investment, this new approach emphasizes how subconscious beliefs, expressed through everyday phrases, can be a root cause of persistent financial struggles.
Manifestation expert Demi Millbank, who has studied the subconscious mind, neuroplasticity, and the nervous system, suggests that specific phrases—often uttered without much thought—can either block or enable financial flow. Drawing on research into neuroplasticity and Emotional Freedom Techniques (EFT tapping), Millbank spotlights two commonly used expressions that she advises against: “I earn money” and “I’ll believe it when I see it.” While these may seem harmless or even motivating on the surface, she believes they reinforce patterns of scarcity and self-doubt at the level of the nervous system.
Instead of saying “I earn money,” Millbank recommends shifting to “I allow this amount of money to come through my job” or “I allow myself to receive this amount of money.” The rationale: the language of “earning” is seen to subconsciously associate money with struggle, hustle, or suffering—ideas deeply embedded in many societies, including Thailand, where working long hours is often valorized. Millbank argues that this mindset keeps people trapped in a cycle of over-exertion, constantly needing to “prove” their worth and keeping financial reward out of easy reach. By reframing the process as allowing or receiving, she claims we train our brains and nervous systems to accept that prosperity can come more easily.
The second phrase, “I’ll believe it when I see it,” is seen as a self-fulfilling prophecy that delays progress. Millbank asserts that our subconscious minds thrive on familiarity and safety, not just logic, so waiting to see results before believing in them tells the brain that positive change isn’t safe or possible yet. The alternative, she suggests, is saying “I believe it, and that is why I see it,” which primes both the subconscious and the nervous system to align with the desired financial reality—seeing prosperity as not just possible, but natural and secure.
These ideas draw on an emerging body of research in psychology and neuroscience linking language, belief, and behavior. A 2023 review in the journal Psychological Bulletin notes that self-affirmation and the use of positive language can indeed influence stress responses, motivation, and resilience in the face of adversity (apa.org). While hard data on the direct financial impact of “manifestation” practices remains limited, the stress-reducing benefits of such cognitive reframing have been backed by several peer-reviewed studies (PubMed).
Another manifestation expert cited in the YourTango article, Alleah Friedrichs, encourages phrases like “I’m ready to appreciate more” and “I’m ready to do things differently.” Such language is believed to signal openness to abundance and enhance one’s sense of agency over life’s outcomes.
Crucially, these techniques are not about magical thinking or ignoring practical realities—an important distinction for grounded Thai readers wary of pseudoscience. Instead, Millbank’s approach resonates with core principles of cognitive behavioral therapy (CBT), which is widely used in clinical practice and encourages reframing negative thought patterns into constructive self-talk (Mayo Clinic). As explained by a leading Thai psychologist at a major Bangkok hospital, “The words we speak internally inform our sense of self-efficacy. While financial discipline and knowledge are vital, cultivating a supportive inner dialogue can help reduce fear and open new possibilities.”
In a Thai context, the emphasis on mindset aligns with traditional Buddhist philosophies that caution against attachment to lack or “ความขาดแคลน” and encourage right thought as part of the Noble Eightfold Path. Cultural proverbs such as “ใจถึงพึ่งได้” (“A courageous heart gets things done”) underscore the power of belief in shaping circumstances—a sentiment echoed in modern manifestation teachings.
Yet, critics warn against placing too much emphasis on language while neglecting structural or socioeconomic realities. As noted by an economist with the Bank of Thailand, “Financial wellness results from a complex interplay between personal beliefs, behaviors, and external conditions. A positive mindset is helpful, but practical steps like budgeting, saving, and financial literacy remain essential.” Moreover, younger generations in Thailand are particularly vulnerable to predatory financial products and online scams, which positive thinking alone cannot prevent (Thai PBS).
Looking ahead, the popularity of manifestation-based approaches is likely to grow, especially among younger Thais drawn to self-help and mental health content on social media platforms like TikTok. Already, Thai-language accounts promoting “abundance mindset” and “การดึงดูดความมั่งคั่ง” have gained large followings, blending imported self-help trends with local wisdom. However, experts emphasize the need for discernment and balance. Mindset shifts can be a valuable complement, but should not supplant sound financial planning, access to financial education, or policy reforms aimed at reducing inequality.
For Thai readers seeking to improve their financial outlook, practical steps may include:
- Practicing positive, supportive self-talk about money while maintaining practical efforts to budget and save.
- Seeking out trusted financial education resources, such as those provided by the Bank of Thailand or community-based NGOs.
- Embracing both traditional wisdom and evidence-based psychological strategies, such as mindfulness or CBT.
- Remaining vigilant against “get rich quick” schemes and financial misinformation rampant online.
- Consulting with reputable financial advisors for personalized guidance.
Ultimately, while words alone cannot transform one’s economic reality, cultivating a mindset of abundance—coupled with wise action and community support—may help more Thais navigate today’s financial challenges with greater resilience and hope.