My money mindset is bad but analyze: or is money actually tight? Map money mindset: thoughts about money vs. actual financial situation vs. improvement. Calculate: mindset vs. practical money issues vs. outcomes. Show me the money mindset trap: positive thinking doesn't pay bills. Give me the truth: fix practical money issues, not just thoughts. Include: whether mindset is the issue, what practical problems exist, and if I'm being sold mindset work instead of practical advice.