What’s Blocking Your Money Flow? Take Marci Shimoff’s Free Assessment

Why Do the Same Money Patterns Keep Coming Back?

Sometimes the numbers change, but the feeling doesn’t.

We earn a little more—and somehow still feel behind. We finally build some savings—and an unexpected expense appears. An opportunity arrives, yet something in us hesitates to ask for what our work is worth. Or perhaps life is financially stable on paper, but money still carries an undercurrent of tension, guilt, fear, or uncertainty.

It’s easy to respond by deciding we simply need a better budget, more discipline, a bigger income, or a more positive attitude.

And sometimes practical changes really are what’s needed.

But Marci Shimoff’s approach to money miracles asks us to investigate another possibility:

That is the premise behind Marci’s free What’s Blocking Your Money Flow? assessment: before trying to force ourselves into greater abundance, first become curious about what may already be shaping our relationship with money.

What Is Marci Shimoff’s “What’s Blocking Your Money Flow?” Assessment?

What’s Blocking Your Money Flow? is a free assessment and accompanying training created by Marci Shimoff to help us look beneath recurring financial patterns and identify a belief that may be influencing our relationship with money.

The central idea is simple: what happens with money may be influenced not only by circumstances and conscious decisions, but also by assumptions we have absorbed and repeated so often that they have become nearly invisible to us.

The assessment is intended to help bring one of those patterns into awareness.

Importantly, we’re not going to list a set of possible assessment results here and invite you to diagnose yourself.

That would defeat the point of taking the assessment.

Sometimes the value of an assessment is precisely that it asks questions we would not have thought to ask ourselves—and helps us notice something we had been looking right through.

How Can Hidden Beliefs Affect Our Relationship With Money?

Long before most of us understood interest rates, credit scores, investing, or retirement accounts, we were already learning about money.

We learned by watching.

Perhaps money was discussed calmly in our home. Perhaps it was a constant source of conflict. Maybe spending was associated with guilt, wealthy people were viewed with suspicion, financial security seemed perpetually out of reach, or working relentlessly was treated as the only respectable path to success.

Some messages were spoken directly. Others were communicated without words.

That doesn’t mean every financial difficulty is caused by mindset. Income, expenses, employment, health, family obligations, economic conditions, access to opportunity, and countless other real-world factors matter.

Inner work is not a replacement for practical financial action.

But our beliefs can influence how we respond to those circumstances—what we expect, what we notice, what we avoid, what we ask for, what opportunities we pursue, and how comfortable we are giving and receiving.

What Is a “Money Block”?

In personal-growth and abundance teachings, a money block generally refers to an internal belief, emotional association, habit, or pattern that seems to interfere with a healthier relationship with money.

Some spiritual teachings describe these patterns energetically. Psychological approaches may describe related experiences through concepts such as learned beliefs, conditioning, avoidance, self-concept, or habitual behavior.

Those frameworks are not necessarily interchangeable.

Yet they point toward a useful question:

That question is far more interesting than simply telling ourselves to “think abundant thoughts.”

Signs It May Be Worth Exploring Your Money Beliefs

We don’t need to decide that we have a “block” before becoming curious about our relationship with money.

Instead, we can notice recurring patterns.

None of these automatically proves there is one hidden cause behind our financial circumstances.

They simply give us something worth exploring.

What Will the “What’s Blocking Your Money Flow?” Assessment Reveal?

According to the assessment materials, Marci’s free experience is designed to help us explore three closely connected areas:

Notice what is not being promised here: a financial forecast, a guaranteed manifestation result, or a magical formula that replaces real-world choices.

Think of the assessment as a tool for self-discovery.

Its usefulness lies in what we notice about ourselves when we take it.

From Money Blocks to Money Miracles

The What’s Blocking Your Money Flow? assessment is part of a larger body of money-focused work connected with Marci Shimoff and Your Year of Miracles.

Within that broader framework, a “money miracle” can represent a movement away from fear, constriction, or an old financial pattern and toward greater ease, receptivity, support, or possibility.

The spiritual language emphasizes alignment and receiving. The practical value of the assessment begins one step earlier:

If this approach resonates, there’s also a complementary practice from the same broader Money Miracles work.

Marci Shimoff and Dr. Sue Morter created an Opening to Your Money Miracles Meditation focused on abundance, receptivity, and exploring our inner relationship with money through guided meditation.

The two resources approach the subject from different directions: the assessment invites us to identify what may be getting in the way, while the meditation offers a contemplative practice for exploring what it feels like to become more open to receiving.

Do Money Beliefs Really Create Our Financial Reality?

This is where it helps to separate a useful spiritual or personal-growth framework from a claim we can prove universally.

Our financial lives are complicated. They are influenced by income, education, opportunity, economic conditions, decisions, luck, responsibilities, relationships, health, social structures, and many other factors.

There is no reason to turn every financial setback into evidence that we were “thinking wrong,” vibrating incorrectly, or secretly sabotaging ourselves.

That kind of interpretation can turn a potentially compassionate practice of self-discovery into another reason to blame ourselves.

That leaves room for both inner transformation and practical action.

We can examine our beliefs and still make a budget. Meditate and negotiate a salary. Practice receiving and review our expenses. Work with our inner relationship to abundance and seek qualified financial guidance when we need it.

Spiritual growth and practical wisdom do not have to compete.

10 Questions to Explore About Your Relationship With Money

Before—or after—taking the assessment, these questions can help deepen the exploration. There are no “correct” answers. Notice what comes up without immediately trying to change it.

1. What did money feel like in my home growing up?
2. What did the adults around me say—or imply—about wealthy people?
3. When money comes to me unexpectedly, is receiving it easy or uncomfortable?
4. Do I associate financial success with freedom, responsibility, guilt, danger, judgment, or something else?
5. What sentence about money have I repeated so many times that I rarely question it?
6. Where am I comfortable giving but uncomfortable receiving?
7. Is there a financial pattern that seems to repeat even when the circumstances change?
8. If my income increased substantially, what part of that possibility feels exciting—and what part feels uncomfortable?
9. Which of my beliefs about money are actually mine, and which were inherited?
10. What might become possible if one long-held money story were no longer running my decisions?

Frequently Asked Questions About Marci Shimoff’s Money Flow Assessment