by Beth Haley

How do we determine worth? Why do we relate our worth as a person, many times, to our net-worth? Since our worth as an individual never changes, why do we so often base our personal worth on temporary things?


Self-worth, as defined in the dictionary, is a sense of your value or worth as a person. It is your opinion of yourself. There are many ways to value yourself and define your worth.

  • Can you take credit for your work?
  • What do you value?
  • Would you associate your success with luck, or your talents and hard work?
  • What is your response when someone gives you a compliment?
  • Do you assume that others know more and can do more than you?
  • Do you believe that you deserve good things?


Net-worth is associated with assets and what we own compared to what we owe. Assets could include such things as property and money.

To determine your net-worth, you would list your assets (what you own, savings and income) and subtract your liabilities (what you owe) from your assets.

  • How do you feel about your income, finances, and net-worth?
  • What are your values regarding money?
  • How do your spending habits support your values?
  • What amount of income feels comfortable?
  • Is there such a thing as, “too much” money?
  • How much money is too little?
  • Do you save without allowing for spending?
  • Do you spend without saving?
  • Growing up, what were some family attitudes surrounding money and happiness?
  • What emotions surround your view of money? (Stress, Joy)
  • On a scale of 0-10, where 0=scarcity and 10=abundance, what do you feel is your mindset regarding money?
  • Why do you have this view?
  • How can you link your spending habits with things that bring you joy?

Is your self-worth dependent upon your net-worth?

Our mindset surrounding money can create barriers to abundance in the same way as our mindset surrounding our self-worth can create barriers to confidence and success.

For example, if you have struggled with self-worth or with finances in the past, despite a change in circumstances, sometimes those fears and the mindsets of lack can still hang on. Sometimes our minds don’t make the shift.

At whatever stage we are at, we can begin to re-train the mind toward an abundance mindset. Both, in how we perceive our self-worth and in how we look at net-worth.

What if our self-worth was bankable: non-ending funds and resources. Because that’s what our personal value is. It is intrinsically branded within each of us. It is beyond measure and never-ending.

How much is in your self-worth bank account?

And, what if our assets, or net-worth, were possessions such as kindness, love, and respect. Respect for all life. Respect for our planet.

How would this change the world?

Intrinsic Worth:








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