Sola Adesakin 
Money doesn’t just grow in our accounts; it grows first in our vocabulary, our mindset, and the way we engage with financial opportunities. Every financial upgrade begins with a language upgrade. You cannot build wealth with a poverty vocabulary. You cannot grow into abundance while your words constantly reinforce lack. The future you’re working toward is already listening to what you say about money.
Language is not just communication. It is creation. It shapes your beliefs, and your beliefs shape your behavior. When you repeatedly say, “I am broke,” you reinforce a state of helplessness. When you constantly describe life as “hard,” you subconsciously push ease and opportunities away. Meanwhile, people who see money as a tool and not a mystery tend to take more proactive steps like budgeting, investing, negotiating, and learning new skills; actions that directly grow wealth.
This is not about blindly declaring riches while doing nothing to back it up. It is about aligning your thinking, your speaking, and your planning so they can produce better results.
So, how do we upgrade our money language in a practical, everyday way?
1. Move from fear to curiosity
When you don’t understand something financially; investment products, taxes, insurance, stocks — instead of saying, “I don’t know this,” start saying, “I’m learning this.” The first statement shuts the door. The second one opens it. Curiosity attracts knowledge, and knowledge attracts decisions that multiply.
2. Replace limitation with possibility
Rather than declaring, “I can’t afford it,” try, “How can I afford it sustainably?” The first response ends a conversation; the second one activates creativity. Wealthy people don’t always have the money; they have the mindset to find solutions.
3. Speak the language of strategy, not self-pity
Statements like:
“I’m tired of these bills”
“I’m just managing”
“This country is too hard”
may feel true in the moment, but they reinforce struggle as your identity. Instead, shift to:
“I’m mastering how to manage money better”
“I am building a stronger financial foundation”
“I am finding ways to thrive wherever I am”
This is how confidence is built, one intentional sentence at a time.
4. Normalise wealth conversations
Money is not a taboo topic; silence is what keeps many stuck. Talk about investing. Ask questions. Discuss the things that lead to growth: assets, savings, retirement plans, emergency funds. When you normalize progress-focused conversations, you normalize wealth-building behavior.
5. Think and learn wealth daily
Your environment feeds your thinking. What do you read? Who do you listen to? What financial skills are you improving? You cannot speak wealth fluently if you never study the language. Invest in financial education: courses, practical money tools, mentorships, and reputable content sources.
The truth is that money responds to clarity, discipline, and consistency long before it responds to desire. If your financial goals sound vague even to you, they will remain vague in reality.
Say what you want clearly:
“I am building wealth.”
“I am improving my financial decisions.”
“I am growing my investment knowledge.”
“I am creating a better financial future for my family.”
Each time you speak like this, you strengthen the mindset that helps you act smarter with money. And those little shifts, the decisions to save today, invest consistently, avoid lifestyle pressure, learn something new all compound into long-term success.
Your words lead. Your finances follow.
If you want a better money experience, upgrade the language you use to describe it. Wealth isn’t just something you pursue. It’s something you cultivate in how you think and speak daily. Start today: talk wealth, think wealth, learn wealth, and over time, you will live wealth.
Sola Adesakin is a highly respected wealth coach and chartered accountant with over two decades of transformative impact in the finance industry. As the visionary founder of Smart Stewards Financial Advisory Limited and Smart Stewards Advisory LLC, she has revolutionized the financial wellbeing of countless individuals and businesses across 40 countries. Her methodical approach to ‘make-manage-multiply’ money principles has elevated many from financial stress to prosperity, and mediocrity to exceptional achievement.