If you’re trying to manage your money and feeling overwhelmed, you’re not alone. That’s why I love Mel Robbins’ Let Them Theory—a mindset tool that teaches you to let go of what’s out of your control and focus on what is. It’s not just for relationships or career drama. It’s a powerful way to rewire how we think about money, self-worth, and financial freedom. Today, I’ll walk you through five ways The Let Them Theory can help you open doors to financial peace—starting right where you are.
- “You Are Responsible for Paying for Your Life”
This line from the book’s conclusion hits home. It’s easy to wish someone else would fix our finances—parents, partners, even politicians. But here’s the truth: you are the hero of your own money story.
🛠️ Practical Gal Tip:
Track your spending for 7 days. Use a notes app or spreadsheet. This simple habit can be the wake-up call you need to start owning your finances.
- “Nobody Owes You Anything. You Owe Yourself Everything”
When you stop waiting for someone to save you and start investing in yourself, things change. Time, talent, and money are your most powerful tools—don’t waste them waiting for a financial fairy godmother.
🛠️ Practical Gal Tip:
List 3 things you’re good at. Ask yourself: How could I use this to earn extra income or cut back spending? You have more power than you think.
- You Can’t Change Other People’s Money Habits
In Chapter 9, Mel shares a story about how a friend worries about her husband’s health habits and gets upset when he will not change them—sound familiar? That lesson applies to money too. You can’t force others to budget or save, but you can model the behavior.
🛠️ Practical Gal Tip:
Write down your reason for improving your finances. It could be peace of mind, getting out of debt, or a dream vacation. Let that why anchor your actions.
- Comparison Can Teach You—Or Crush You
It’s so tempting to look at others’ financial wins and feel discouraged. But comparison doesn’t have to discourage you or cause envy. It can be fuel. Let it teach you what’s possible.
🛠️ Practical Gal Tip:
Follow someone who inspires your financial journey—whether it’s a blogger, an author, a money-savvy friend or family member. Let their path show you the way, not discourage you into giving up.
- Let Them Have the Head Start. You’ve Got the Hustle.
Yes, life isn’t fair. Some people have trust funds. Some don’t have student loans. Let them. You? You’ve got grit, talents—and a plan. And that counts for more than you think.
🛠️ Practical Gal Tip:
Write down what you want and ten tiny steps that can bring you closer to that goal. For example – Want to not stress over prices and the increasing costs of living or an unexpected expense? Try a No-Spend Week. Avoid unnecessary purchases for 7 days and put the savings toward your emergency fund. Small wins lead to big freedom.
How to Apply the Let Them Mindset to Money
Ready to take action? Here’s how to start using The Let Them Theory to build your financial future:
- Own your value. Document your wins at work and ask for high-visibility opportunities. Then deliver.
- Invest in yourself. Start a side hustle or skill-up with a free course—don’t wait for perfect timing.
- Find a money mentor. Learn from someone who’s living the financial life you want.
- Start a dream fund. Open a high yield savings account to fund your goal and seed it with even a small amount to start.
Final Thoughts
You don’t need a perfect background or a magic formula to succeed with money. You just need a mindset shift—and the Let Them Theory offers exactly that.
Let others do what they will. Let you rise. Let you take action. Let you thrive.
💭 Curious how mindset and money connect?
👉 Read my post on The Hidden Money Traps That Keep You Broke—And the Simple Mind Trick to Escape
📌 Don’t forget to pin or bookmark this post for when you need a little financial motivation!
📚 Want to learn more about The Let Them Theory?
👉 Check out Mel Robbins’ official site here