Financial psychologist describes the emotional glue trap that is one of the biggest barriers to financial wellness.

Everyone has their own money goals.

While some individuals aim to live without any debt, others are content with accumulating a few mortgages in order to build a real estate empire. Similarly, while many people desire to retire as early as possible, others are comfortable continuing to work until the typical retirement age.

Regardless of your ultimate money goals, it's wise to prioritize financial wellness. This entails managing your daily expenses, making progress toward larger objectives, and feeling confident about your financial future.

What may hinder individuals from achieving financial wellness is not just numerical factors, but rather personal beliefs and attitudes towards money.

Brad Klontz, Psy.D, a financial psychologist and instructor in the new online course Achieve Financial Wellness: Be Happier, Wealthier & More Financially Secure, believes that shame is a common emotion experienced by people when it comes to their finances.

"He remarks that the biggest obstacle to financial wellness is people's reluctance to discuss and think about money due to shame."

Financial wellness can be hindered by shame, but here are some tips to overcome it and achieve your money goals.

'It just keeps people stuck'

If you don't admit that you need help in achieving your money goals, you may make incorrect decisions or take no action at all.

"Shame is a sticky emotional trap that keeps people trapped," Klontz says to CNBC Make It. "It's clear what people should do with money."

In general, individuals are aware of the importance of saving for the future and limiting their spending to their income.

Financial wellness leads to happiness, wealth, and financial security.

Klontz says that they're not necessarily doing that, and the shame is preventing them from receiving the help they need to make changes.

Someone on a low income may feel embarrassed about not being able to make their student loan payments, but it's important to consider options for reducing payments or seeking career advice to boost income.

Although inheriting a large sum of money may provide financial security, some individuals may not know how to invest it wisely due to shame, preventing them from seeking the assistance of a financial advisor or other professional.

Achieving financial wellness doesn't require expertise, but it does require action.

'Find somebody a step or two ahead of you'

Seeking the help of a financial psychologist or regular therapist can aid in overcoming money shame by identifying the underlying causes and resolving any emotional barriers that may be hindering your financial well-being.

If you've overcome your shame but are uncertain about the financial decisions you should make, a certified financial planner, money coach, or other qualified money educator can offer guidance on how to proceed. This could include developing a debt repayment plan, learning more about investments and risk tolerance, or receiving technical advice.

Klontz advises seeking financial inspiration that resonates with your identity and the practicality of emulating their path.

""Finding someone who has immigrated and is living the life you desire can be beneficial for immigrants to the U.S., as it challenges the notion that it's impossible for them to achieve their goals," he suggests."

Your role model or advisor doesn't necessarily have to be a successful millionaire, says he.

"Pick the brain of someone who is a step or two ahead of you, as advised by Klontz," says Klontz.

Anyone who has started to accomplish similar goals and has a higher-level position or a house can be effective inspiration.

"What would you advise someone in my situation?" Klontz asks. From there, "speed up your learning and be inspired about your potential."

To stop worrying about money, enroll in CNBC's online course, Financial Wellness: Be Happier, Wealthier & More Financially Secure. We'll teach you the psychology of money, stress management, and healthy financial habits. Plus, use code EARLYBIRD for a 30% discount through September 2, 2024. Start today!

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