Everything from what you observe from your parents relationship with money, the financial environment you grew up, and the financial opportunities you had/or not before, create the beliefs and money that you have now.

Write a list of the negative beliefs you have or heard growing up about money, with the Understanding that those negative beliefs represent the past, and that in order for you to move forward into attracting more abundance into your life, you need to let go of them and create new empowering beliefs that are going to help you move into an abundant future.

-poverty consciousness
-bastard child
-reckless spender/penurious earner