Why Saying “I Can’t Afford It” is the Fastest Way to Stay Stuck (and What to Say Instead)

When you tell yourself “I can’t afford it,” you’re doing more than just stating a fact—you’re shutting the door on possibility. And if you’re working on your finances, building a business, or planning your exit strategy, this one mindset could be what’s holding you back. What you need instead? An abundance mindset.

Your Words Shape Your Reality

Here’s the truth: your brain is hardwired to protect you. So when you say “I can’t afford it,” your brain goes, “Cool, we’re staying safe today. No risk, no change, no growth.” It stops scanning for solutions. It stops imagining what’s possible. It just keeps you stuck.

But when you shift to saying “I can afford it”—even if you’re not quite sure how yet—your brain opens up. It starts looking for ways to make it happen. That’s the power of an abundance mindset. You’re training your brain to look for possibility, instead of shutting it down with limitations.

This Isn’t About Lying to Yourself

I get it. Saying “I can afford it” when your account says otherwise might feel ridiculous. But this isn’t about pretending money magically appears. It’s about creating a habit of curiosity. Because curiosity is where creativity lives—and creativity is how we find new income streams, better systems, and smarter strategies.

Adopting an abundance mindset means practicing the belief that your current situation isn’t permanent. It means choosing language that keeps doors open, not closed. And over time, your money starts to show up differently—because you start showing up differently.

Create the Habit of Creating the Habit

Your words are your first step to rewiring your relationship with money. So if you’ve been stuck in “I can’t afford coaching,” or “I can’t take time off,” I’m inviting you to switch it up.

Say: “I can afford it.”

Let your brain do what it’s meant to do—find a path forward.

Because you don’t have to believe it fully yet. You just have to say it enough to start shifting how you think. That’s what an abundance mindset is all about—creating space for growth, possibility, and choice.

Ready to See What You Can Actually Afford?

If you want to start making different money decisions, the first step is knowing what’s actually happening with your cash. Grab my free Profit Maximizer Calculator—it’ll show you exactly where your money is going and what you could truly afford with a better system in place.

💡 https://planyourprofitableexit.com/profit-maximizer-calculator/

Your future self will thank you for it.

About the Author JanetM

Janet Mercredi is a Certified Profit First Professional and the driving force behind JKM Strategies, a firm dedicated to helping established business owners increase profitability and create their exit plan with confidence. For over a decade, Janet has partnered with business owners who want more than just financial success—they want stability, freedom, and a trusted advisor by their side.

At JKM Strategies, we don’t just work with clients—we build long-term partnerships. Many of our clients have been with us since the beginning, relying on our high-level CFO guidance through Profit First coaching and bookkeeping services to create sustainable, profitable businesses that allow them to step back or exit on their terms.

Janet’s approach is direct, strategic, and hands-on, ensuring her clients see real financial transformation while feeling supported every step of the way. Described as caring, humorous, and empathetic, she has built a tight-knit community of business owners who know they’re never navigating their financial journey alone.

If you're looking for more than just numbers—you want a trusted partner who’s invested in your success—JKM Strategies is here for you.

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