Faith & Finance with Rob West
Your money soundtrack—what plays on repeat in your head—will either help or hinder your financial decisions. We all know the power of overthinking—but the good news is, you can change the tune of those money soundtracks playing in your mind. Jon Acuff joins us today to show you how. Jon Acuff is a New York Times bestselling author, speaker, and podcaster who helps people overcome overthinking, change their mindsets, and achieve goals. He’s written 10 books, including Soundtracks: The Surprising Solution to Overthinking.

Your money soundtrack—what plays on repeat in your head—will either help or hinder your financial decisions.
We all know the power of overthinking—but the good news is, you can change the tune of those money soundtracks playing in your mind. Jon Acuff joins us today to show you how.
Jon Acuff is a New York Times bestselling author, speaker, and podcaster who helps people overcome overthinking, change their mindsets, and achieve goals. He’s written 10 books, including Soundtracks: The Surprising Solution to Overthinking.Soundtracks are the repeated thoughts that play in our minds—like music on loop. They can be helpful or harmful, but either way, they shape our lives.
If you’d like to change the soundtracks that you have been listening to, this framework is simple yet profound:

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It’s not enough to get rid of the old. You have to replace it with the new.
The first step is to identify what’s holding you back. Write down a financial goal—such as paying off debt, buying a home, or supporting missionaries—and then pay attention to your immediate thoughts.
Are they encouraging or discouraging? Many people quickly hear internal voices saying things like:
These are broken soundtracks—thoughts that undermine God’s best for your life. Sometimes, they’re inherited.
Here are several unhealthy financial soundtracks that many people believe:
These soundtracks don’t just affect finances; they limit your potential. In one survey that Jon conducted with 3,000 people, a staggering 96% reported not living up to their full potential—often due to limiting beliefs.
Once you identify the lies, it’s time to replace them. That can mean flipping the negative thought on its head, seeking wisdom in Scripture, or learning from mentors.
Some examples of healthier money soundtracks include:
But what if you feel stuck? We encourage you to start small. Too often, people believe they must overhaul their entire lives overnight. Instead, try carving out 15 minutes a day to take one positive step forward. Over time, those mustard-seed-sized efforts compound into meaningful change.
The truth is that the thoughts you repeat about money directly influence how you use it. Broken soundtracks can sabotage generosity, stunt growth, and even cause you to reject God’s gifts. However, by retiring lies and replacing them with truth, and repeating them faithfully, you can align your mindset with God’s wisdom.
If you change the thought, you’ll change the actions, and then the results will follow.
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