Even when you have a decent job and your bills always get paid off on time, you might still feel afraid that you’re not getting ahead or you’ll never have enough.

Some of that feeling could be the effects of the affordability crisis. Other times, it’s a sign of being stuck in a money scarcity mindset.

An emotional, fear-based response, a financial scarcity mindset often sends people down a rabbit hole of overthinking, instilling beliefs that they will never have enough money to live comfortably and that they will always be stuck in some form of financial turmoil. This mindset can harm one’s long-term financial wellbeing and quality of life, experts say.

“The mindset plays a very big role in keeping people stuck in the financial situation they’re in,” said Jeri Bittorf, a financial welln

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