The Business of Me has from its inception used the term “Self-Ability”. “Self-Ability” is defined in The Business of Me as one's perception of what one is "able" to do.

Domestic violence includes emotional abuse. Abusive partners use emotional domination as a control mechanism that includes imposing feelings of worthlessness on their partner. Our participants are so often mired in what they perceive as being "wrong" with them that they carry that way of thinking into the way that they manage (or don’t manage) their personal finances.

This is usually reinforced with negative self-talk and the belief that postponing dealing with money brings ease and buys time.

The Business of Me directly addresses feelings of negative self-worth and the negative self-talk that accompanies it by helping participants identify their fears and providing them specific tools to combat it. Instead of constantly telling themselves “I can’t”, our participants are taught that they can and then are given the tools to prove to themselves that they in fact do have "Self-Ability".

 Research done by psychologist Albert Bandura about “Self-Efficacy” supports the point. According to Dr. Bandura self-efficacy is “the belief in one’s capabilities to organize and execute the courses of action required to manage prospective situations”. In other words it is the person’s belief in their ability to succeed in a certain situation.

 The Business of Me provides tools to the participants so that they can succeed in managing their financial affairs.