If you are like most people in North America, you were raised in a middle-class environment or perhaps even in poverty. While thinking in terms of class structure comes with judgment and I don't really like using the word 'class', the fact is that there are certain socio-economic categories as defined by economics books, and each level has its' own set of beliefs and perceptions.

You were taught certain theories and beliefs about money - what it means, how it is acquired, how to talk about it and what to do with it. Even if the subject of money was not overtly discussed as you were growing up, you absorbed beliefs from the actions and words of your parents and other mentors.

Have you ever stopped to think about your beliefs and ask where they came from? Have you ever questioned their validity, or whether they are serving your current goals? Do you have any financial goals, and are they in line with what you really need and want?

In my study of wealth and the financial world, I have discovered that the concept of money is far more fluid than many people think. Money is a tool, and like any tool can be used recklessly or with intention to serve a purpose. It can be wasted or spent wisely or put to work to make more. It doesn't belong to a 'chosen few', nor is it meant for any 'special' people. It is yours to use and to accumulate, just as I may do the same. In your quest for financial independence, it is important to ensure that your actions and beliefs reflect the truth about money, rather than any belief systems you may have been taught. For example:

• Anyone can make money - a little or a lot. It is up to you and no one else. Money is our form of currency, and it is necessary for life's daily functions. The more you have, the easier certain things will be.
• Money is fluid, not stagnant. The $10 bill you have in your wallet has been through many hands, and been treated in many different ways. Do not think of money as finite. Rather, it is simply a form of flowing energy, and also works like a magnet. If you keep it, and love it, it will attract more.
  
• You can control what happens to your money by directing it accordingly. Your money is yours, and no one can force you to use it wisely or foolishly. People can advise you, but ultimately what happens to it is your responsibility.
• Education and knowledge will lead you to make more intelligent decisions when it comes to money. Learn about finances and empower yourself to make informed decisions.
• There are things you do not know and there is nothing you cannot learn. The more you learn, the more confident you will feel, and conversely the more you will realize that there is more to learn. Never stop your financial education.
• Wealthy people think differently. By learning to think differently and by learning new money skills, you too can increase your prosperity and significantly improve your financial future. Try Rich Dad's Cashflow Game for a good lesson in perceptions about money and how it can work for you.
  
• It does not take brilliance or instinct to make and keep money. It takes knowledge and judgment. Judgment comes with experience, and experience comes when you apply your knowledge with action.
• Everyone started at the bottom. Even those who inherited money have had to handle it wisely if they want to keep it and watch it grow.

Although guidance is important, the most important thing you can do is empower yourself, with knowledge and then with action. Get started today and take the first step toward a healthy financial future.