The “I Deserve It” Trap: What’s Holding Many Millennials Back

“I deserve it.” It’s a simple statement that can carry a heavy cost. This idea hit me when I prospective client came to me drowning in over $20,000 of debt. The culprit was her persistent “I deserve it” mentality.

The Cost of ‘Deserve’

A Chanel bag here, a BMW there, her wardrobe was packed with designer labels—all purchased under the banner of self-entitlement. She believed that she deserved these high-end items, and why shouldn’t she? Society constantly feeds us the narrative that success is measured by material possessions. But when this belief leads us into financial chaos, does society come save us? Nope. We’re left paying our debt by our damn selves.

The True Meaning of ‘Deserve’

Here’s the twist: You do deserve the best. But what if the ‘best’ was redefined? You deserve peace of mind and financial security. You deserve the freedom to retire early or to make choices that align with your life’s values and joys—not just the temporary thrill of luxury goods.

Breaking Free from Society’s Expectations

It’s easy to fall into the trap where society dictates your life’s narrative—where your worth is measured by the brands you wear or the car you drive. This relentless pressure can lead us to spend beyond our means, to value ourselves by what we own rather than who we are and what we contribute to the world.

Redefining What You Deserve

The path to financial liberation begins with redefining what you deserve. Yes, you deserve to treat yourself—within the boundaries of your financial reality. You deserve to build a future where your wealth doesn’t hang on the edge of your next paycheck. You deserve to invest in experiences and assets that grow in value—both personally and financially.

The Path Forward

Here’s how you can start:

  • Assess Your Values: What truly matters to you? Align your spending with your core beliefs and long-term goals.
  • Create a Plan: Understand where your money is going. A budget isn’t a constraint; it’s a roadmap to freedom.
  • Build Savings: Before indulging in a luxury, ensure you’re saving consistently. Financial cushioning is a necessity, not an option.
  • Invest in Yourself: Education, health, and working with a professional will always pay off more than what you spend on it —these are investments that enrich your life in the long run.

It’s time to shift from a narrative of entitlement to one of empowerment. Stop letting society dictate your financial story. Take control, redefine ‘deserve,’ and build a life where you can enjoy genuine, lasting prosperity. Reach out if you’re having trouble building wealth. Find me on instagram @moneymindsetmami OR on

* The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which strategies or investments may be suitable for you, consult the appropriate qualified professional prior to making a decision. Investing includes risks, including fluctuating prices and loss of principal. No strategy assures success or protects against loss.

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