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How to Leave Fear and Stress Behind in 2020
Julie Murphy • December 24, 2020
Let’s be honest: the season we’re living through right now in this pandemic is scary and stressful for all of us. The more I keep watching, the more I keep seeing so many of us hitting places where we’re experiencing strong, sometimes confusing emotions—about our money, our jobs, or our lives in general.
Everything is a bit up in the air still, leading us to face a lot of stress and fear. Believe it or not, that’s why I think it’s so important to keep talking about building our wealth from the inside out, and not the outside in, so we can insulate ourselves against the chaos of what happens in the world and leave our fear and stress far behind us.
This is what I mean…
How to Build Your Life From the Inside Out
I’m always talking about the fact that we need to build our wealth from the inside out and not the outside in, but what does this mean exactly?
First it means we need to take into account not only our financial lives, but also our work life, our personal life, and our family life, so we have a firm understanding of how to move forward. We need to step back and see the whole picture before we’re able to build a stable, sustainable life of real wealth.
Let’s use an example.
Start by Examining Your Life
Say you’re looking at the personal side of your life. To do this properly, you must consider your personal dreams and desires, but you must also take into account the physical side of your life because we are, as humans, physical beings.
So how do you get the physical side of your life in alignment with your personal desires? One of the ways to create the space in your life needed to allow real wealth to rise up to the surface is by doing what they’re talking a lot about in Japan today: Forest Bathing.
Yes, forest bathing, otherwise known as, “Going for a walk in the forest!”
Make Space for Calmness
What this reminded me of was when I was taking a walk along the lakefront recently, thinking about how we can’t really find balance in our physical selves unless we also connect with nature. That’s when lightbulbs started going off. I started thinking to myself, “Wow, Jul, you lose your patience because of the fact that your cortisol levels are high, because you’re stressed, because you’re not taking the time to calm down.”
This is all tied to why we meditate, why we do yoga, why we exercise, or why we walk in nature. All of these things are available and enjoyable to us because they calm our systems down in the high-paced, stressful society we’re in, allowing us to get back in tune with our hearts, nature, and the harmonic lifestyle that provides a space for living in the present moment. It opens the way to realising and releasing more of our pasts, and creating more of the future we truly desire.
None of this is possible, however, if we don’t take the time or allow the space for slowing down and listening to what our heart, body, and soul need.
Leave the Fear and Stress Behind You
2020 has been a challenging year for most of us, but it has also provided so many opportunities for growth and discovery. If you’re hoping to grow into your life of real wealth and leave all the stress and fear behind, then I would encourage you to take some time to yourself to purposefully delve deep into all the aspects of your life: personal, financial, familial, etc. Ask yourself how you can stay centered, calm, and true to your inward self in all of these areas.
Find your nearest forest walk and consider doing some forest bathing. While lots of places may be closed these days, and many others aren’t open at full capacity, nature is wide open. Your life is wide open. It’s time we all started living from the inside out.
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In my book, " The 4 Spiritual Laws of Money , " I explain that wealth isn’t just about managing money—it's about aligning with the deeper, spiritual principles that guide our financial lives. These four laws offer a powerful framework to create lasting abundance, but they aren’t a one-time fix. Instead, they are tools to be revisited and reapplied throughout your journey. Reapplying the 4 Spiritual Laws of Money for Continuous Growth We all know the feeling—just when you think you've got your finances in order, something shifts, and it feels like you're back at square one. Maybe an unexpected expense pops up, or perhaps your goals change as your life evolves. Whatever the reason, financial growth is not a “set it and forget it” journey. It requires ongoing effort, reflection, and adjustment. This is where the 4 Spiritual Laws of Money come in. 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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.
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These laws aren’t just one-time lessons; they are a powerful framework that you can revisit and reapply whenever life (or your bank account) needs a tune-up. Let’s dive into how each law can be reworked into your daily life, helping you to stay on the path of financial abundance. 1. Manifestation Begins with Desire You’ve likely heard it before— knowing what you truly want is the first step to creating it. But here’s the thing: what you want today might be different from what you desired a few years ago. Life changes, and so do your dreams. Take a moment to check in with yourself. What do you really desire now? Is it financial freedom, a vacation home, or maybe the ability to give back to your community in a bigger way? Whatever it is, don’t be afraid to dream big. Let your desires guide you as they evolve. Reaffirming your desires regularly ensures that you're always manifesting what aligns with the current version of you. 2. 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.