The Spiritual Nature of Money: Why Financial Literacy Mindset Matters More Than Ever
Financial literacy mindset isn’t something you’re born with—it’s something you develop through experience, mistakes, and honest conversations about money. Developing the right financial literacy mindset is the key to transforming your relationship with money. I’ve had countless discussions about finances over the years, and here’s what I’ve learned: most people struggle with money because they don’t understand its true nature.
After years on the road, managing multiple income streams, and building wealth from scratch, I’ve discovered that money speaks a different language than most people understand.
I know that sounds weird. Stay with me.
Money speaks the language of pure energy. And once you start seeing it that way, your entire financial literacy mindset transforms. You stop being a victim of your finances and start working with the system instead of against it.
The Three Financial Literacy Mindset Levels That Define Your Future
Through all my conversations and observations, I’ve noticed people fall into three categories when it comes to money mindset. Think of these as levels of understanding—and honestly, most of us have been stuck in the first two at some point.
The Passthrough Money Mindset
This is where most people live. They see money as nothing more than a way to buy stuff—usually stuff they want, not necessarily stuff they need.
Don’t think you’re off the hook just because you save money. I’ve met plenty of savers who are still stuck in this money mindset. They’re just using money in its most primitive form: “If I do this, I get this much.”
Even the most advanced people in this category are just becoming really good conduits for money to pass through their hands. They might save every penny, but they’re not making their money work for them. They’re still thinking of it as just… money.
The Explorer Money Mindset
This is where things get more interesting—and a lot more dangerous.
People with this financial literacy mindset understand that money has its own rules. They know about compounding interest, different investment strategies, economic theories. They’ll dabble in stocks, ask for advice, maybe even hire a financial advisor.
But here’s the problem: they’re still just playing with numbers. They’re exploring the landscape, trying to maximize inefficient systems, but they don’t really see what money is.
And this group? They’re the most dangerous to the Passthrough people. They’ll give you unfounded advice, drag you into the “next big opportunity,” and take you down with them if you’re not careful.
The Energy Money Mindset (Advanced Financial Literacy)
This is where I try to stay. And I believe it’s the most advanced financial literacy mindset you can develop.
Here’s the deal: all money is currency, and currency is an energy tool.
I don’t care if we’re talking about crypto, fiat currency, or the gold standard. It’s all the same thing at its core. You expend energy—whether that’s physical labor, mental work, or creative effort—and you receive currency in return.
Think about how beautiful that is. Without currency, you could only trade with someone who needed exactly what you had and had exactly what you needed. Currency lets you store your energy and use it later, whenever and wherever you need it.
Money Follows Natural Laws (The Science of Wealth Building)
Since money is energy, it follows the same natural laws that govern all energy. Let me break down a few wealth building principles that have completely changed how I handle my finances.
The Law of Reciprocity in Financial Growth
You’ve probably heard people say they’re not good savers—they’re just good at “moving money around.” There’s truth to that.
The energy you put out to do good work gets compounded and returned. It’s not magic; it’s a natural law. “Dirty hands, clean money”—if you earn your money through honest work and then use it wisely (investing in good companies, supporting causes you believe in, helping others), that energy comes back multiplied.
Here’s a simple example: You work one hour and make $100. Invest that $100 in the stock market for 10 years at a modest 15% return, and you’ve got $352. Donate that to charity, and you’ve just amplified your original hour of work by 5x in terms of positive impact.
If you believe that donating to charity to do good work won’t return with more… you really don’t understand this law very well. If you do good work, the world will want you to do even more good work. It’s not some mystical karma thing—it’s practical. When you demonstrate that you can handle resources responsibly and use them to create positive change, more resources flow your way.
The Law of Conservation in Wealth Management
Energy can’t be created or destroyed—only transformed. Same with money.
If there’s $300 trillion in the world and $100 trillion gets destroyed, the remaining $200 trillion doesn’t lose value. It becomes more valuable by exactly 33%. The energy is conserved; it just gets redistributed.
The Law of Magnetism (Why the Rich Get Richer)
This one’s harder to grasp until you experience it, but here it is: the more you retain, the more you attract.
Every millionaire will tell you “the first million is the hardest.” But this law is scalable with any wealth building strategy. It works with hundreds, thousands, and yes, millions.
Getting your first $100 saved feels like forever—maybe a month of discipline. Getting to $1,000 might take a year. But once you hit that thousand? It’s like a rocket ship. By the end of year two, you’re likely looking at $10,000.
This is why developing a strong financial literacy mindset is crucial for long-term success. When you understand these natural laws, you’re not just hoping your money grows—you’re actively participating in wealth creation through proven principles.
Think about that: in year two, you made $9,000. That’s $350 every two weeks—250% more than what you could save in those initial two weeks. This connects directly to what I discussed in my post about money management for truck drivers – the principles scale whether you’re managing $100 or $100,000.
Building Energy Circuits: Advanced Investment Strategies
Here’s where your financial literacy mindset gets fun. You can use money to build circuits—systems that compound your energy over time.
Take $100 and invest it in a growth stock paying 15% annually. Next year, take that $15 profit and put it into a dividend ETF like SCHD that pays 4% plus growth. Use those dividends to dollar-cost average into the S&P 500 for that steady 8% return.
Every penny beyond your original $100 is free money working for you.
If that feels too risky, flip it. Start with the S&P 500, use the gains for dividend stocks, then play with growth stocks using the dividend payments. You can create continuity between systems, building a portfolio that feeds itself.
Take those qualified dividends and funnel them into a Roth IRA for tax advantages. Now you’re not just protecting your energy—you’re making it grow while the government helps you do it.
Once the circuit is built, as long as your system is fundamentally solid, the only decision you have to make is whether to “take profits” or preserve your initial investment. The whole point of the system is to automate your energy protection. You’re not constantly managing and worrying—you’ve built something that works while you sleep.
This is especially important for truckers who need to think long-term about retirement. As I covered in my truck driver retirement planning post, the $450,000 wake-up call should terrify every driver who isn’t building these energy circuits now.
Protecting Your Financial Energy for Long-Term Success
Look, you protect your body. You (hopefully) protect your spirit. But how often do you protect your energy?
When you develop the right financial literacy mindset, everything changes. You’re not just budgeting—you’re managing your life force. You’re not just investing—you’re multiplying your ability to do good work in the world.
It’s not hard to compound $100 into thousands over 20 years using these wealth building principles. I know 20 years sounds like forever, but think about it this way: how many years of back-breaking labor do you have left in you to make that next $100?
Your body won’t last forever. Start protecting your energy while you still can.
The spiritual nature of money isn’t some mystical concept—it’s recognizing that your financial life is connected to everything else. Your energy, your time, your ability to help others, your freedom to make choices.
This mindset shift is part of what I call staying grateful and avoiding complacency at work. When you see money as energy, you appreciate every dollar you earn and every opportunity to grow it.
Once you see money as energy and develop the right financial literacy mindset, you stop being afraid of it. You start working with it. And that changes everything.
