10 signs you’re an underearner – Do you exhibit any of them?

  • Post Category:BWRT

If you’ve ever wondered why you’re not as wealthy as you believe you should be, perhaps IT IS your fault, after all!

I know some readers might take offence at that, “But how can I get out of my situation?” I’m guessing you’d be saying, so read on & let me explain further.

And before we go any further, if you’re someone who suffers from Impostor Syndrome, otherwise known as Imposter Complex then effectively you definitely are an underearner.

For further info I’ve linked to a couple of posts I’ve written about this subject.

Read this if you think you might have Impostor Syndrome

What is “Underearning?”

Without being too esoteric, in a way somewhat similar to how “an object in motion will continue in motion, or at rest will stay at rest until energy is used to move it”, we’re all a constant state of either attracting various things into our lives, or repelling them.

Now by that I’m not saying that “The Law of Attraction” is some super-duper ‘way to go’ methodology, (don’t get me started on that!).

No, but simply what we focus upon is what we get by ‘attracting’ those circumstances into our lives.

Unfortunately, whilst scientific laws are by definition empirical, ie they do what they say they will for everyone, everytime, our lives aren’t like that.


And the reason’s simple – WE influence OUR outcomes.

So you might say “I want to earn more / get a better job” etc, and start off with good intentions, however, if there are ANY doubts or negative beliefs in that grey matter of yours, then you’re going to find your success either doesn’t stick or more often, doesn’t even materialise.

When working with my clients I’ve found that certain themes often come up, disguised as beliefs that my clients “know” to be true.

SIDENOTE: Unlike gravity, beliefs aren’t true, fixed or immutable.

A belief is just an opinion your mind’s decided it’s going to run with as it’s easier for it (not you) that way.

A few of those beliefs come wrapped up in such thoughts as:

  1. But if I charge more my prospects won’t buy from me.
  2. Who me? I’ve never been that good at doing more than X so I can’t move up.
  3. But if I starting earning more I’d have to be all …
  4. I’d not know how to handle that extra money.
  5. The last time I had more money it all got frittered away. I’m no good with money.
  6. It’s only fair to offer some clients low / discounted / free rates.
  7. Well at least I’m in a better place financially than … (fill in the blank for the latest problem location on the planet).
  8. I don’t have the time to deal with this right now. I’m too busy.
  9. But I’ve been this way for years, so how can I change now.
  10. But it’s not my fault. Everyone in my industry / career / family spends a lot of what they earn.

There are many more beliefs than those and they all have one main result, to keep you stuck in a state of perpetual underearning, one that you will justify to yourself as being “the right thing to do”.


“Not Me. I earn A LOT of Money!”

Ah, the rich person’s knee-jerk response!

If you’re someone doing the keyboard back-pat & thinking that you’re earning too much for this to be an issue, well, sorry but that’s self-serving BS you’re giving yourself.

Let me explain briefly.

Take the person who’s on a lowish salary, say £30k to keep it simple & they live a reasonably frugal life, so they’re not running a credit card tab every month & not in hock on HP, PCP, second charges, etc.

Then let’s contrast them with Mr & Mrs High-Achievers.

Yes, they may have a strong double-income, but when we take into account the various ‘trinkets’ they’re paying for, the cars, leisure clubs, school fees, loans, etc, they’re often surprised as to how little they have as headroom.

“So aren’t you just saying we need to skimp & save?”


You’re missing the point of what Underearning or Underachieving is all about.

If you’ll allow me to use a race-car metaphor, I’m not saying throttle-back on achieving more, I’m saying remove the de-restrictor in the fuel system so you can achieve more with the power you’ve already got.

“So what can I do about it?”

Step one is simple – Just accept the possibility that YOU may well be holding yourself back from achieving or earning more than is actually possible.

Then grab a piece of paper & write down at the top of the paper, “If I earned more I’d …” & write at least ten beliefs about that.

Step two is if they’re good, positive comments. Then ask yourself, “Is this happening for me?”

If it’s not, then ask yourself, for each one, “This isn’t happening for me because …” & write down whatever comes to mind.

Step three is to indicate which of those first ten beliefs were negative or limiting.

Then as above then ask yourself, for each one, “This isn’t happening for me because …” & write down whatever comes to mind.

Step four is to develop fresh beliefs, countervailing arguments.

Write each one facing in the opposite direction to those negative beliefs.

Write them so they feel more powerful and can over-ride your previous thought patterns.

If you’d like some help on that then feel free to jot down the beliefs you uncover (or you can email me if you’d prefer to get in touch that way) & I’ll offer a few suggestions as to ways you could switch those thoughts around.


I’m willing to go out on a limb here & suggest that there are areas in your life where you’re an underearner or underachiever and the exercise above will allow you to begin to uncover, & then alter those thoughts.

Realisation can allow you to begin to change – give it a go, what have you got to lose vs think what you could gain.