Be Smart. Be Brave.

Julie Murphy • August 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.

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How to End the Year Like the Wealthy Do

By Julie Murphy • December 10, 2025

Reset Your Money Energy for 2026 Every December, we all feel that pull, the desire to “be better with money next year.” But here’s the secret I’ve seen again and again after nearly three decades of walking alongside people from all walks of life: Financially wealthy people don’t just plan their next year — they energetically complete the one they’re leaving. They close loops. They clear emotional residue. They realign their energy field before they set a single goal. And you can absolutely do the same. As I share in The Emotion Behind Money , wealth is never created by logic alone. It comes from managing the emotions behind your money and understanding that money itself is energy. And in Awaken Your Wealth , I remind readers that energetic shifts begin when you consciously picture yourself stepping into a new reality, while compassionately acknowledging the one you’re standing in now. So let’s walk through the simple year-end process I teach my clients — one that spiritually, emotionally, and financially resets your money field for a powerful 2026. 1. Review Your 2025 Wins & Losses With Compassion Before you step into the new year, look back with the most loving, nonjudgmental eyes possible. I call it neutral observation . Wealthy people don’t spiral into shame when something didn’t go perfectly. They get curious. Ask yourself: Where did I expand financially this year? Where did I contract emotionally or economically? What choices were truly aligned with my values? Which ones came from fear, scarcity, or old patterns? In Awaken Your Wealth , the “Accepting Reality and Awakening” step of PACT teaches that awareness without judgment is how we break old money patterns for good. So breathe. Notice. Write it down. No shame. No spiral. Just truth. 2. Forgive Any Money Mistakes Here’s a truth most people never consider: Every financial mistake carries emotional weight and emotional weight blocks money flow. From my work in The 4 Spiritual Laws of Money , we know that your heart’s energy is more powerful than your brain’s logic, and intention is what redirects energy back into alignment. Forgiveness, of yourself, your past self, or others involved, releases stagnant money energy. Try this: Write down any money decisions from 2025 that still feel heavy. Place your hand on your heart. Say: "I forgive the version of me who made this choice. She/he did the best they could with what they knew at the time.” Forgiveness isn’t about letting mistakes slide. It’s about resetting your emotional money field so you can co-create something new. 3. Create an Energetic Closing Ceremony for the Year This is where wealthy people truly separate themselves; they honor the transition. You can create your own year-end ceremony using whatever resonates from your spiritual toolkit. Here are a few ideas inspired by the intention-setting and clearing practices throughout my work: Light a candle Symbolize releasing the old year and calling in the new. Write a “completion list” Include everything you’re ready to release: debts you’re no longer carrying shame over, relationships you’re energetically cutting cords from, patterns you’re finished reenacting. Burn or bury the list This physical act tells the Universe: “I’m done living from this version of myself.” In The Emotion Behind Money , we explore how inherited beliefs and emotional patterns repeat until they are consciously released. This ceremony is your line in the sand. End with intention Close with one powerful intention for 2026, aligned from your heart: “I choose a new flow of abundance.” “I trust that money comes to me with ease.” “I allow myself to receive the wealth I’ve been working toward.” As The 4 Spiritual Laws of Money reminds us: “The Universe responds to action.” Your ceremony is your spiritual action. Ready to Step Into 2026 Aligned, Clear & Empowered? If you’re craving deeper support with your financial reset, join me for my Emotions Behind Money Workshop in January. If you’ve been feeling the nudge to recalibrate your relationship with money, this is your moment. Let’s make 2026 the year your inner wealth and your financial reality finally match. You deserve abundance and you’re closer than you think. With love, alignment & a whole lot of possibility, Julie ✨