From Scarcity to Overflow: The 5 Financial Archetypes and the Inner Work to Evolve higher

I didn’t grow up around money.

I grew up around hard work, stress, tension, and tight quarters in a small home. My childhood was full of average people doing the best they could—working endlessly, sacrificing themselves for a paycheck, and living under the belief that if it wasn’t painful, it wasn’t work. My parents were blue collar. They believed in struggle. I witnessed physical fights in my home. Conflict wasn’t something you managed—it was something you braced for.

And even though I didn’t grow up in poverty, I did grow up in scarcity.

And for a long time, I carried that scarcity into my own life, my marriage, and my parenting. It was the only reality I knew. But over time, through deep internal work, I was able to break free of that pattern—and today I live a radically different life. I broke free.

I work closely with people who are ready to break free too.

Over the years, as I’ve worked with people through Inner Wealth Global, the Inner Wealth Mastermind, our retreats, intensives, books, and courses, I’ve come to see five clear financial archetypes. These are five energetic blueprints that show up again and again—and most people have no idea they’re living inside one.

These archetypes are neurological, and under the level of consciousness. Until you bring the unconscious to conscious it will remain elusive. But once you see it you can’t unsee it.

Your money story is coded in your nervous system.

If you want to change your financial reality, you can’t just change how you think about money. You have to change how your body relates to money. You have to rewire your nervous system to feel safe in overflow—so that you don’t push it away when it shows up.

Let’s walk through the five archetypes. Be honest with yourself about where you are.

Then I’ll show you the work that helps you break through to the next level.

1. The Debt Dweller

This person is stuck in the most painful archetype. No matter how much money they make, they always only find a way to get back to zero. And then they will bounce back into debt. Their nervous system is wired for debt. They take financial risks hoping for overflow, but all they ever seem to manifest is more struggle. As soon as they get their head above water, they unconsciously sabotage their progress to return to what’s familiar—being in the hole.

2. The Tightrope Walker

This is the paycheck-to-paycheck lifestyle. This person hovers around zero, living week to week, month to month. They rarely go into deep debt, but they never experience true margin. Their nervous system is wired for survival—not abundance. When a little money shows up, they spend it. When it’s gone, they hustle harder. It’s a constant balancing act. They walk the financial tightrope.

3. The Margin Manager

This is where I live right now.

There’s breathing room, and the margin is real. There’s time freedom, space to rest, and money to invest. Life feels good—but there’s still a limit. Overflow shows up occasionally, but my body still flinches at its arrival. My nervous system hasn’t fully recalibrated to overflow yet, so it sometimes finds ways to push that overflow away. We’re no longer in crisis—but we’re not fully liberated either.

4. The Stressed Success

This one’s tricky because from the outside, it looks like success.

The bank account is full. The portfolio is impressive. The external results scream “I’ve made it”—but inside, it still feels like it's all about to collapse. There’s no peace in the body. There’s no safety in the nervous system. This person hustles to avoid fear. Their nervous system is still stuck in the past, and the more they accumulate, the more they feel the pressure to keep it all together.

5. The Money Monk

This is the highest archetype.

And I’ve seen it lived. My best friend, Bryan Schroeder, is a money monk. His nervous system is rewired for abundance. He feels safe with wealth. He feels peaceful in success. His internal and external worlds match. The money monk has created overflow on the outside—but more importantly, they feel that overflow in their body. There’s no anxiety, no chasing, no pressure. Just ease. Harmony. Joy.

How to Move from One Archetype to the Next

You don’t need more hustle. You don’t need more strategy.

You need to address three time periods in your life: the past, the present, and the future.

Let’s break them down.

1. The Past: Do the Shadow Work

Your nervous system is holding onto unresolved pain. Old stories. Childhood experiences. Scarcity. Trauma. All of it is still alive in your body—until you consciously release it.

This is where shadow work comes in. Somewhere in your past your environment, events, and experiences created an internal blueprint.

You must go back and feel what you’ve spent your life avoiding. You must drop into your body, recognize the pain, inquire into it, listen to it—and then let it go.

You’ve got to release the samskaras—the energetic imprints of old pain—if you want to stop recreating the past.

2. The Present: Practice Gratitude

Gratitude anchors your nervous system in the here and now.

When you’re anxious or overwhelmed, you’re not present. You’re in the future or the past. Gratitude brings you back. It calms your body. It helps you feel whole, complete, and resourced now—regardless of what you’re still building toward.

This presence creates peace. That peace creates safety. And that safety allows you to hold more.

3. The Future: Embody the Next-Level You

Your nervous system doesn’t change because you wish for something better. It changes when you feel something better.

Future embodiment is a practice of mentally and emotionally stepping into the version of you that already lives the life you want. You start to see yourself differently—and feel what it would feel like to be that version of you.

As you practice this embodiment, your nervous system rewires itself to allow those higher-level outcomes into your life.

Final Word

The inner game is the game.

Until you shift your nervous system, nothing in your outer world will change. You’ll keep recreating the same outcomes, no matter how much action you take.

But when you do the inner work—shadow work, gratitude, embodiment—your life begins to reorganize itself.

Because money doesn’t come from effort alone. It comes from alignment.

And your level of wealth will always match your level of inner peace.

Ready to Rewire Your Nervous System?

Grab a copy of Inner World, Outer World: Awaken to a Life of Purpose, Freedom, and Lasting Fulfillment. Inside, I walk you through the exact inner work that helps you transcend your current financial archetype and live a life of real purpose and prosperity.

Buy my new book Inner World, Outer World on Amazon

If you're ready to go even deeper, DM me or visit https://www.innerwealthglobal.com to learn about the next Choose Your Destiny Live Intensive where I teach shadow work, gratitude practices, and future embodiment work to raise your money setpoint and blueprint.

We don’t rise by grinding harder. We rise by feeling safer.

Let’s do this together.

Image by Horst Schwalm from Pixabay