Overcoming Underearning by Barbara Stanny

A Five-Step Plan to a Richer Life

Underearning: “earning below one’s potential.”

This book resumes the experiences of Overcoming Underearning(R) workshop participants and some of their follow-up stories.


The introduction takes account of Barbara Stanny’s story as an underearner, all her struggles, until she figured out the five-step plan to overcome it.

She states how anyone can earn a six-figure income, and still be an underearner; therefore, financial independence is the focus.

Here is a list of symptoms of being an underearner (Underearners Anonymous). However, Barbara Stanny believes underearning is a symptom per se, and it is a consecuence of low self-esteem, or lack of self-worth.

It is uncomfortable to bring all that’s not working to the surface, and heal. Furthermore, change, and new opportunities are waiting for us to transform our mindset, and clean the clutter.

This book is useful if you are thinking “it is time to make more money.”, but you don’t know where to start. Through series of exercises, visualizations, and journaling, Barbara Stanny examines all the barriers that kept the underearning. It’s not a magic pill as it requires outer and inner work.


1 Laying the groundwork
2 Are you an underearner?
3 Breaking through your earnings barrier


4 Step1: Tell the truth
5 Step 2: Make a decision
6 Step 3: Stretch
7 Step 4: Create community
8 Step 5: Respect and appreciate money


9 Call to action
10 Putting it all together: Tami’s story


Available on: Amazon US | Amazon CA | Amazon UK | Apple iBooks | Powell’s Books | IndieBound

Writer Barbara Stanny
Overcoming Undereaning (R): A Five-Step Plan to a Richer Life
Published by HarperCollins e-books, 2007.
ISBN: 9780060818623


When it comes to money, are you controlled by fear?
Do you underestimate your worth?
Are you ready to go to the next level, but can’t seem to get there?

If you answered yes to any of these questions, you may be an underearner. Underearners are self-saboteurs who don’t live up to their earnings potential, says Barbara Stanny, a financial educator, motivational speaker, and career counselor. Whether they make $10 an hour or six figures a year, they tend to live paycheck to paycheck, are often in debt, and have a high tolerance for low pay. Ironically, many work incredibly hard. The good news is that underearning is a self-imposed condition. By focusing on overcoming it, underearners will not only earn what they deserve, but live a richer life. With techniques and exercises that have helped thousands of people, Stanny teaches five essential steps to financial independence and brings a message of empowerment to all those who chronically undervalue themselves.

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