{"id":58147,"date":"2023-07-14T00:00:00","date_gmt":"2023-07-14T00:00:00","guid":{"rendered":""},"modified":"2024-10-09T10:16:41","modified_gmt":"2024-10-09T14:16:41","slug":"how-upbringing-can-shape-our-relationships-with-money","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/investing\/investing-basics\/how-upbringing-can-shape-our-relationships-with-money\/","title":{"rendered":"How Upbringing Can Shape Our Relationships with Money"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\">\n\t\t\t\t\t\t\t<span>Managing Money<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How Upbringing Can Shape Our Relationships with Money<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Keph Senett<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T141321.241.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Young girl with her mother at table counting money.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T141321.241.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T141321.241.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-14T141321.241.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How Upbringing Can Shape Our Relationships with Money &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/investing\/investing-basics\/how-upbringing-can-shape-our-relationships-with-money\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/investing\/investing-basics\/how-upbringing-can-shape-our-relationships-with-money\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published July 14, 2023 \u2022 4 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Being able to make money-related decisions is just a part of being an adult, but many Canadians don&#8217;t have personal finance education. So how are they making financial decisions? Researchers suggest we may be making decisions based on what we learned in childhood, informed by a variety of factors, including socioeconomic status, culture, childhood experiences, and the attitudes and beliefs of the adults around you.<\/p>\n\n\n\n<p>How we interact with money, known as a \u201c<i>money script,<\/i>&#8221; can be emotionally charged, clouding our ability to make good financial decisions. However, when we take the time to examine our relationship with money, we can take steps toward improving our approach toward personal finance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Understanding money scripts<\/h2>\n\n\n\n<p>When it comes to financial planning, it&#8217;s common to think about where one needs to go moving forward, but it&#8217;s equally as important to consider where you came from. That&#8217;s because you have an existing relationship with money or a money script.<\/p>\n\n\n\n<p>Originally coined by researchers Ted and Brad Klontz, a money script is essentially a narrative or set of beliefs that affect how you view money and behave with it.<sup>*<\/sup> A money script may play a part in habits like overspending, hoarding money, showy spending, or workaholism.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to help ensure your relationship with money is healthy<\/h2>\n\n\n\n<p>Your money scripts are just that \u2014 scripts. Just like any other narrative, they can be adjusted and reframed healthily.<\/p>\n\n\n\n<p>The Klontzes identified four major scripts<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Money avoiders<\/strong>&nbsp;feel stress and anxiety about money, often questioning whether they deserve it. They often react with negative behaviours like ignoring bills or avoiding banking altogether.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Money worshippers<\/strong>&nbsp;see money as the key to happiness and place it in a top spot on their priority list. This makes them vulnerable to feelings of inadequacy and workaholism.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The&nbsp;<strong>money status<\/strong>&nbsp;script is related to money worship in that a person conflates their self-worth with their net worth. This can lead to showy spending and needing the most expensive goods and experiences.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Those who are&nbsp;<strong>money vigilant<\/strong>&nbsp;may have generally positive financial habits like saving and investing. If this mindset becomes extreme it can lead to detrimental behaviours like refusing to spend, even on useful or necessary items.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>You might see yourself in one or more of these categories. The idea is to gain insight into your money behaviours so you can challenge your assumptions and make better decisions. You can do this on your own or with help from a financial professional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Identifying your relationship with money<\/h2>\n\n\n\n<p>Reflecting on the past may be useful to understand your current relationship with money. Here are some things to consider:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Socioeconomic status.<\/strong>&nbsp;While your socioeconomic status does not determine your money script or how you manage your finances, it may be useful to consider how it might have affected you. For example, you may have known someone who was young during the Depression and still stashed resources \u201cjust in case.\u201d For them, their socioeconomic circumstance likely informed their money script.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Family values and beliefs.<\/strong>&nbsp;As a young person, you learn values and beliefs from the adults around you, including how you feel about money. If, for example, the people in your family engaged in \u201cretail therapy\u201d and expressed that spending money was a way to find happiness, you might carry that behaviour into adulthood.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Family financial habits.<\/strong>&nbsp;Just as adults shape personal relationships, work ethic, and other ways of behaving, they are some of the first to teach kids about money. Consider whether yours was a family of spenders or savers and whether financial literacy was prioritized for you as a young person.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Communication about money.<\/strong>&nbsp;A person\u2019s ideas about money can be shaped by how money is discussed (or not) in their family. Someone who grew up in a household where money was the subject of conflict might feel differently from someone for whom money was infrequently an issue.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Whether you&#8217;re hoping to save more for a house or retirement, learn how to invest, or have a different financial goal altogether, understanding how your upbringing may impact your ideas about money can help you build positive financial habits.<\/p>\n\n\n\n<p class=\"has-text-xs-font-size\">*Klontz, B., Britt, S. L., Mentzer, J., &amp; Klontz, T. (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory. <em>Journal of Financial Therapy, 2 <\/em>(1) 1. <a href=\"https:\/\/doi.org\/10.4148\/jft.v2i1.451\">https:\/\/doi.org\/10.4148\/jft.v2i1.451<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-eb9d2063-e2a8-4e89-985b-8f652f1683ad\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How Upbringing Can Shape Our Relationships with Money &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/investing\/investing-basics\/how-upbringing-can-shape-our-relationships-with-money\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/investing\/investing-basics\/how-upbringing-can-shape-our-relationships-with-money\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a77937a8-6942-4c72-b8d4-6518df9b59a4\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/managing-money\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Managing Money<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article 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Where to Stash Your Cash<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/took-control-of-finances-shutterstock_1244019112.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Boy riding mountain bike with family\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/01\/took-control-of-finances-shutterstock_1244019112.jpg 4955w, 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