We all have a pain/pleasure mechanism [http://www.continental-marketing-direct.com/Millionaire/] that is important to our survival. If we feel pain in something we're doing, we stop; if we get pleasure in what we're doing we naturally continue.

A clear example of this is in learning to ride a bike.

When you were learning to ride your first bike, you fell off a few times. But you quickly learnt that turning the handle bar caused you to fall off which resulted pain. The pain taught you the importance of correcting the action of turning the handle bar which caused you to fall of your bike in the first place. Falling off your bike meant pain.

As soon as you managed to keep the handle bar steady and began to smoothly glide along, ecstatic excitement was the result. You felt pleasure.

In the long run as you became more capable at riding, you remembered all the actions that caused you to fall off and scrape your knee or elbow so you didn't do them. You remembered all the actions that lead to pleasure and kept doing them.

When it comes to money, you will find that you accept as true, sayings, experiences and advice from people who are not money-wise, and link pain to having more money and pleasure to having less money.

When you have more money, you just think of all the pleasure you will get, all the things you can buy, do and have. And you remember the bad times when money was not so abundant. So, you spend it.

Later on in life when you try to make more money, you start to fall into the money trap that produces the pain of having more money and the pleasure of having less. You get the feeling that no one will really like you for your newly acquired wealth. And you will have to work much harder to keep it or you might lose it all. It's not really worth trying.

So, you stay within your limiting beliefs about money. You're constantly torn between wanting to make more money and wanting to spend it.