Money: It’s a medium of exchange or a tool. Nothing more, nothing less

Written by: Chip Brackley

To most of us, we think money is a means to an end. “If I just had $X amount” seems to be a common theme.

What we’ve found at Archetype is money doesn’t always solve problems, and in many cases it can create new ones. Like the lottery problem: You win... you get a lot of money, a lot of new friends, a lot of new expensive toys, and then you’re broke!


It doesn’t matter if you have $30 thousand or $30 million, if you don’t have Clarity about what you’re doing and you aren’t Confident in why you’re doing it, then you likely won’t be Content with where you are.


Our mission is to help you reach contentment. We want to help you understand that money is a tool, a test and a testimony.


At the end of the day, money is nothing more than a tool or medium of exchange. It can help you go places and it can help you go nowhere. So, before worrying about whether or not you have enough; don’t you think it’s important to understand how much money you need? How much money is required to get where you want to go? Where are you trying to go and why?


How does money even work? Let’s discuss.

Money is a TOOL:

It’s a tool to do God’s work, to take care of your family, to take care of others. We don’t need to feel guilty about using money to get things or to go places we’ve defined as part of our goals. Removing the negative or positive association, removes a lot of stress, frustration and anxiety.

Money is a TEST:

Like in the parable of the talents… If you are faithful with a little, you will be blessed with true riches. If you’re not faithful, then you likely won’t be blessed.


Money is a TESTAMENT:

Those around you are watching how you treat and use your money. How you put your money to work speaks volumes to those watching.


Understanding these tenants can help you change not only your situation but also the generation that follows. For those of you who have kids or are planning to have kids, what financial habits do you want them to have? The reality is, your kids will emulate what you do; not what you tell them to do.


To reach financial freedom, you might have to change the way you view, use and allocate money. You have to be willing to do things that seem different than the norm. Your financial life is similar to the analogy of being on an escalator going the opposite way of the masses. You’re going up the escalator as the masses are going down. It will feel as if they are saying… I don’t know if I can pull that off, but I can respect and honor what that person is doing.


In your financial life, in order to reach your goals, your aspirations and your desired destination you have to be willing to make financial choices that are different than most of the people around you. In general, the financial masses will lead you in the wrong direction.


Going up the escalator is challenging, but it is what sets apart those that reach contentment and financial freedom from those that desire financial freedom. It’s time to decide… Are you willing to ride up the escalator or do you want to ride it down with the masses?


Ready to see how you stack up?  Get started today, by better understanding your risk tolerance level and how that fits with the investments you currently hold.

What's Your Risk Score?





Chip Brackley is the Director of Atlanta for Archetype Wealth Partners. Chip is passionate about helping families experience greater clarity, confidence and contentment by connecting their wealth with their purpose. Archetype exists to help families thrive across generations.


Disclaimer: Our intent in providing this material is purely for informational purposes, as of the date hereof, and may be subject to change without notice. This article does not intend to constitute accounting, legal, tax, or other professional advice. Visitors and readers should not act upon the content or information found here without first seeking appropriate advice from a trusted accountant, financial planner, lawyer or other professional.

Join us:
LinkedIn LogoFacebook LogoInstagram LogoTwitter LogoYoutube Logo