Money Beliefs Form in Childhood. They Can Drive Your Money Behaviors for Life. If you aren’t a natural saver, there could be good reasons for this. We form our money beliefs often subconsciously, and may not be aware of what they are. We develop emotional triggers – think Retail Therapy! Carrie Rattle, North American Money Behavior Expert will help you learn how to recognize your beliefs and triggers, so you can change your money behaviors – naturally.