Click to share:

money thermostat

Is Your “Money Thermostat” Set Too Low?

Have you hit an income ceiling in your business (or job) that you just can’t get past?

* Do you find it hard to raise your rates yet are barely getting by with what you do charge?

* Do you have a hard time holding on to money, especially when you finally get to a certain amount?

* Do you feel like you have to “work harder/more” to make more money?

These are all signs that you have a “stuck” money setpoint. And until you raise your money thermostat, you will continue to experience this barrier to earning–and keeping–more of those dollars. 

What exactly is a “money setpoint”? 

“money setpoint” is the amount of money you are comfortable with making before you sabotage it in some way because it doesn’t feel “safe” or “acceptable” or you don’t feel worthy of any more.

This might be how much money you are comfortable charging for your services. Or it could be the salary level you have been stuck at for a while. 

How can you find your money setpoint?

Track the most money you ever made in an hour/for a program / in commission / as a salary (or the most you ever made before sabotaging yourself and losing it).

This is your money setpoint. It’s like a thermostat that is stuck at a certain temperature and will not generate more heat until it is set higher. 

For the first 3 years of doing my business full time, I was stuck at $24-25k for the year. After 3 years at this same level, I realized I had an income ceiling (as a business owner; I had made more than that when I was an employee) and set about purposefully to change it.

How I reset my money thermostat

I worked with money and Law of Attraction coaches and programs to do so. And it worked! Before long, I made as much in 6 months as I used to in a year. And my business income has exponentially increased since then (even in the recession). This month I am celebrating 8 years in business and many successes accomplished.

Now that I have expanded into business coaching, I help others to raise their money thermostat. And, of course, I keep working to continually raise mine when I hit a new setpoint. Currently, it’s consistent 5-figure months and eventually a 6-figure year.

Here’s two things to do to start to raise your money thermostat:

1. Uncover your limiting money beliefs so you know what is sabotaging you. My private clients and class attendees get a 2-page assessment of the most common ones to more quickly identify them. Then I use tools such as hypnosis, NLP, EFT and the Lefkoe Belief Elimination Process to eliminate and replace them with more powerful ones.

2. Set a higher income goal for yourself and use “feelingizations” to get more comfortable with the idea of having that amount. “Feelingizations” (feeling what you want) are more powerful than “affirmation” (saying what you want) or “visualizations” (seeing what you want). The brain registers more deeply and quickly thoughts that have the energy/vibration of emotion. Emotion triggers chemicals in the brain that allow neural connections to be made so thoughts can change and/or you learn.

(Watch this video to explain more about this)

There are many other ways to raise your money thermostat, and I can help you if you are interested in seriously working on this (why would you not?). See below for ways to either work with me individually or take advantage of a group workshop I’m holding locally at the end of November.

Have something to say about this topic/post? Please share your thoughts in the comment box at the bottom of the page.

Do you need help turning up your money thermostat? A
ttend a 3-hour live group workshop with me in Hampton Roads. Go to this page to learn more:

If you’re not in the area, or want to work with me individually, schedule a private complimentary Business Strategy Session with me. We’ll identify what practical and mindset techniques can best help you generate–and keep–more money in your business and your life! 


  1. I Love this. I know for a fact that my money setpoint held me back in business. I couldn’t figure out how some months I’d make $8K and other months — when expenses were low or my husband made extra money — I’d make $1200. FINALLY, I realized that I had set a very specific intention with my business when my proverbial doors opened…. “to make ends meet.”

    So, when the ends were “met,” I made less. Your blog post is an excellent reminder for me to check my NEW setpoint. =) Also, I’d love to see a blog about WAYS we sabotage our income… expanding on this sentence, “A “money setpoint” is the amount of money you are comfortable with making before you sabotage it in some way “….


    • Lisa Smith says:

      Thanks for your feedback, Michelle. I would be happy to expand more upon the ways we sabotage our income (receiving as well as keeping) in a future post. I will be going into this more in my workshop on 11/16/15 as well as ways to stop the sabotage and reset your money thermostat.

  2. Shirley Kufeldt says:

    Thanks for reminding us about the thermostat. I first heard about the money thermostat a few years ago and lived it to the “T.” Hardly ever left my comfort zone, but I wasn’t comfortable there. I’ve been working through a number of programs in the past few years and am making progress on those pathways through my brain. And it helps in my relationships as well. Thanks for the great post.

    • Lisa Smith says:

      Thanks for sharing your own experience with this idea, Shirley. Glad to hear you have found some things to work with to raise your money setpoint.

  3. Jennifer Zach says:

    Like the thermostat metaphor. Inspiring personal story!

  4. Kathy Eckhardt Coaching & Consulting says:

    Hi Lisa, As always you have written another informative, practical and IMPORTANT post and, YES, please do expand on this thought in future posts. I use the set-point illustration in my own work but I call it the “Deserve Level Set-point” and watched it play out in my own life for years. My company offered an extraordinary, exotic, international, all expense paid trip with the executive staff and the top 1% of achievers based on our Unit Retail Sales. When the goal was $450,000 for the year, I did $400,000. When they raised it to $500,000 I did $450,000. Then they amped it up to $600,000 — I did the Half Million. When they raised it again to $650,000, I did $600,000. I wish I had MET YOU THEN!!! However, recognizing the pattern I dug deep into my limiting beliefs, raised my set-point and we FINALLY surpassed the trip goal with $877,000 in sales!!! BUT…. my Goal was a Million. I think we need to talk.

    • Lisa Smith says:

      Thanks for sharing your experience, Kathy. Those are some pretty high set-points! Congratulations on reaching those large goals. I’m sure it was frustrating, though, being “just shy of goal.”
      I will be teaching some of these techniques in an upcoming workshop in Virginia Beach.

Speak Your Mind


%d bloggers like this: