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Be Smart. Be Brave.
Julie Murphy • Aug 28, 2014
There’s a lot to be said about a person who listens to, adheres by and acts according to their gut. For a lot of us, that gut feeling isn’t enough to make a decision. We need facts. Research. The probability of something bad happening. So we exercise restraint when it comes to our most valued decision‐making assets: our intuition.
When was the last time you made a choice that resulted in something negative? Maybe you took a job opportunity that you thought would pan out differently ‐ even though you had a feeling that it may not be a good idea.
As women, we are the masters of ignoring our gut and instead going with our heads. And as a business owner with a financial practice, I understand that there is a time and a place for using your head over your heart when it comes to help with money. I practice conscious spending for myself and I teach that to my clients. But I also stress the importance of aligning your spending with what’s in your heartspace.
Let’s say that you got a 10 percent raise at work and you’re not sure exactly what to do with it yet. If you’re going with your head, you probably will save all of your raise in an investment account or add it to help with debt you want to pay off. If you’re going with your heart, you take the entire thing and devote it to your passion: a new business, a hobby, your kids or your family, your ailing parents, or your favorite pair of shoes.
Both of these options are great because you are doing things with your money that are adding value to your life. But what if I told you there was a way to combine both of those things ‐ your heart and your head ‐ that will be aligned with your intuition?
Consider dividing that raise into three parts: your past, your present and your future. That way, you can get out of debt while saving for the future and still living in the present. So what does all of this have to do with listening to your gut? Well, it’s simple. This is a way to examine what’s happening in both your heart and your head, combining them, and pursuing what is best for your emotional and practical sides.
Action step
In my practice, I’ve noticed that many of us are not only disconnected with our money but also ourselves. Our desires. Our dreams. Our truths. It’s time to reconnect with what’s most important. Spend time this week alone, in silence and with yourself. Turn off the television. Leave your iProducts in the other room. And just sit with yourself. Listen to what your body, your spirit and your mind is telling you that it craves. Write down the things that resonate with you, anger you, hurt you, make you cry.
This is an exercise is getting to know that gut feeling that many of us have suppressed or belittle for so long. Get back in touch with trusting your first thought and feeling your first feeling when you’re in unusual situations. And finally, when you are totally at one with what you really think and feel, celebrate it. Today’s world numbs us to what we truly desire by bombarding us with things we are supposed to want. After you’re finished with this exercise, you’ll take solace in knowing that you are being true to your gut and ‐ as a result ‐ to yourself.
Like this blog? Share it with your friends on Facebook and Twitter. Also, be sure to sign up for my bi-weekly newsletter Financial Consciousness. And join the conversation on Facebook where we’ve grown together and act as a community to promote financial healing.
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The Heart Is Stronger Than the Brain When it comes to money, we’re often told to “be logical” or “stick to the numbers.” But one of the most beautiful spiritual laws of money reminds us that the heart is stronger than the brain . In other words, decisions made from a place of love, passion, and authenticity are far more powerful than those made from fear or strict logic. Ask yourself: Are your current financial choices aligned with your heart? Does how you’re making and spending money feel good on a soul level? When you revisit this law, you might realize it's time to adjust your financial strategy to better match your heart’s desires. This could mean choosing a career path that fulfills you or focusing on spending in ways that bring you joy, not just security. 3. Intention Redirects Energy The power of intention is real. When you set a focused intention, you shift the energy of your life in that direction. But the key word here is focused. As life moves forward, it’s easy to let distractions pull your energy in too many directions. That’s why it’s crucial to regularly revisit your intentions. Are they still aligned with where you want to go? Take time to refocus. This might mean creating new financial goals or reaffirming old ones. By re-centering your intentions, you’re not only redirecting your energy—you’re also inviting the universe to step in and help you make those goals a reality. 4. The Universe Responds to Action We’ve all been there: thinking, dreaming, planning—but not doing. This is where the fourth spiritual law comes in as a loving nudge. The universe can only respond when you take action. What steps have you taken lately toward your financial goals? Even small actions—like setting up an automatic savings plan or looking into a new investment—send powerful signals to the universe that you’re serious about manifesting abundance. And the universe will respond! The more action you take, the more opportunities seem to “magically” appear. Remember, action doesn’t have to be overwhelming. Start small, but be consistent. Every step you take builds momentum toward your goals. Why Reapplying the Laws Matters Life is full of changes. Your financial situation, goals, and even your mindset will evolve over time. That’s why it’s essential to revisit and reapply the 4 Spiritual Laws of Money regularly. They’re not static rules but a dynamic, flexible framework that grows with you. Think of these laws like a compass for your financial journey. Whenever you feel off track, return to them. When you’re uncertain about your next move, let them guide you. The more you use them, the more they’ll become a natural part of how you think and act around money. Embrace the Journey Remember, financial growth is a journey, not a destination. There will be twists, turns, and perhaps a few bumps along the way, but with the 4 Spiritual Laws of Money, you’re never lost. These principles are here to help you continuously grow, adapt, and realign with your true financial path—one that leads not just to wealth, but to joy, freedom, and fulfillment. So, the next time you feel a shift in your financial landscape, don’t panic. Instead, revisit these laws, reapply them, and watch how they continue to guide you toward your next level of abundance. Now, what’s your next step? If you found these insights helpful, you’ll love " The 4 Spiritual Laws of Money , " where these principles are explored in depth. It’s now available as an audiobook, making it easier than ever to absorb these powerful lessons on the go. Whether you're commuting, exercising, or relaxing, you can take the wisdom of these spiritual laws with you wherever you are. Start your journey to financial and spiritual abundance today!
As someone who has guided countless clients toward true wealth, I know how crucial it is to build financial stability, especially in times like these. And that’s where my approach, outlined in my first book, "The Emotion Behind Money" , comes into play. In my work, I emphasize that wealth isn’t just about numbers—it's about what's happening inside you as much as what's happening around you. The Emotion Behind Money is all about building wealth from the inside out, which means bringing your authentic self to the forefront of your financial decisions. When your money is aligned with who you truly are, you create a foundation that can withstand even the most uncertain times. Feeling anxious about the future—whether it’s due to financial, economic, or inflation-related concerns—is a common experience. But often, that anxiety signals that your money isn’t set up in alignment with your authentic self. When this alignment is off, it’s easy to feel ungrounded and uncertain. I’ve seen this time and again in my work as a financial planner, and I’m here to help you shift from anxiety to assurance by realigning your financial life with who you really are. Let’s face it: the economic landscape is challenging right now. Inflation is driving up costs on essentials like gas, food, and education. Interest rates are climbing, and while wage growth might seem positive, it can have long-term consequences for the economy. It’s easy to get caught up in these concerns, but I believe there’s a better way to approach them. The Outside vs. The Inside When we think about wealth, we often focus on external factors: the stock market, interest rates, inflation, job security, and so on. These things are important, but they’re only part of the picture. What’s going on inside you—your beliefs, values, and emotions —plays an equally crucial role in your financial stability. If you’re feeling anxious about the future, it might be a sign that your finances aren’t fully aligned with your true self . When you’re not grounded in your financial decisions, it’s easy to feel out of control and overwhelmed by external events. But when your money is set up in a way that reflects who you are and what you value, you’ll find that you can navigate uncertainty with much more confidence and peace of mind. Creating Financial Space One of the most important steps you can take to create financial stability is to build financial space. This means having enough room in your budget to handle unexpected expenses, economic downturns, or other financial challenges without feeling panicked. Start by taking a close look at your current financial situation. Are there areas where you could reduce your debt? Are there expenses you could eliminate or cut back on? By making these adjustments, you can free up cash flow that can be redirected into savings or investments, creating a buffer that will protect you in times of uncertainty. I’ve created a Cashflow Worksheet to help you get started on this journey. You can download it here . Another crucial aspect of creating financial space is to avoid taking on unnecessary debt. For example, many people take out loans from their 401K accounts, thinking it’s a quick fix. But in the long run, this can lead to more financial stress. Instead, focus on building up your savings so that you have the cash on hand to cover unexpected expenses without resorting to credit cards or loans. Empower Your Choices A big part of building financial stability is recognizing that you have a choice in how you manage your money. It’s easy to feel like a victim of the system, especially when you’re facing financial pressure. But when you realize that you have the power to make decisions that align with your values and goals, you take control of your financial future. For example, instead of feeling like you "have to" use credit cards to cover expenses, reframe it as a choice. If you truly need to use credit, do so with intention and a plan to pay it off quickly. But if it’s possible to avoid it, choose to do so. This simple shift in mindset can make a huge difference in how you feel about your financial situation. Insulate Yourself from Economic Uncertainty We can’t control what’s happening in the global economy, but we can take steps to insulate ourselves from its effects. This starts with being proactive about your finances. By setting up your money in a way that aligns with your true self, you create a foundation that can weather any storm. Whether it’s building up your savings, reducing your debt, or making thoughtful financial choices, every step you take toward financial stability helps to create a sense of security. And that security isn’t just about having more money in the bank—it’s about knowing that you’re in control of your financial future, no matter what happens in the world around you.
Clear the path to prosperity by focusing on what truly serves your highest good in terms of wealth and well-being.