5 hours ago
2
Jakarta, VIVA – Many people struggle financially not because they lack income but because they hold onto false beliefs about money.
These misconceptions shape their financial decisions, often leading to poor spending habits, missed opportunities, and a mindset that keeps them stuck in a cycle of scarcity.
The way you think about money directly impacts how you earn, save, and invest it. If your beliefs are based on myths rather than facts, you may be unknowingly sabotaging your own financial growth.
The problem with these money myths is that they feel true because they’ve been repeated for generations. People hear them from family, friends, and even financial "experts" who mean well but may not have the right knowledge.
Over time, these beliefs become deeply ingrained, making it difficult for individuals to break free from financial struggles.
As quoted from Small Biz Technology, here are the five biggest myths about money that need to be abandoned immediately for a brighter financial future.
1. You Need a High Salary to Become Wealthy
A common belief is that only those with high incomes can build wealth. However, the size of your paycheck isn’t the most important factor—what truly matters is how you manage your money.
Plenty of high earners still live paycheck to paycheck because their spending habits rise with their income.
On the other hand, many individuals with modest earnings manage to save and invest wisely, steadily growing their wealth over time.
The key is to live within your means, set aside a portion of your income for investments, and avoid unnecessary expenses.
Ilustrasi Cara Mengelola Keuangan Setelah Kuliah
The word “debt” often carries a negative connotation, but not all debt is harmful. While high-interest consumer debt, like credit cards, can be financially damaging if mismanaged, there’s also productive debt that can help build assets—such as loans for starting a business or investing in real estate.
When used strategically, debt can be a tool for financial growth. The key is to differentiate between good and bad debt, ensure you can afford the repayments, and use borrowed money to create long-term value.
3. Saving Means Sacrificing Enjoyment
Many people see saving as a painful sacrifice that forces them to give up everything fun. But in reality, saving doesn’t mean depriving yourself—it just means being intentional with your spending.
Instead of cutting out all entertainment and leisure, focus on prioritizing expenses. For example, reducing impulse purchases while still setting aside money for meaningful experiences with family or friends.
By adopting this mindset, saving becomes sustainable and doesn’t feel like suffering.
4. Investing is Only for the Wealthy
A lot of people hesitate to invest because they assume it's only for the rich or those with deep financial expertise.
But today, investing is more accessible than ever, with options like fractional shares, mutual funds, and digital assets allowing anyone to start with a small amount.
With the right strategy and discipline, even modest investments can grow into substantial wealth over time. The earlier you start, the more you can take advantage of compound growth.
5. Playing It Safe Is the Best Way to Stay Financially Secure
Many people stick to what feels safe—such as keeping all their money in a savings account—because they fear taking financial risks.
While saving is important, avoiding all risks can actually limit your financial growth.
Being overly cautious can hold you back from opportunities that could significantly improve your financial future.
Thoughtful risk-taking—such as starting a small business or investing in assets with growth potential—can lead to greater financial freedom.
Halaman Selanjutnya
A common belief is that only those with high incomes can build wealth. However, the size of your paycheck isn’t the most important factor—what truly matters is how you manage your money.
