What To Do If It Feels Too Late to Chase Your Dream
Julie Murphy • January 5, 2021
So many of us are afraid that it’s too late to start after our dreams or too late to leap towards the life we want, that we end up stuck in place. I get this or similar questions a lot: “Julie, I have a lot of dreams. Is it crazy to make the leap later in life? I’m feeling frozen…”
I think it’s never too late, and let me tell you why.
Take Advantage of Your Time
Once, I had a 72-year-old client go back to law school because he regretted not having done it in his youth. For years before that, however, we would talk about it. I would ask him, “You know, what are you going to do with all this money? Get busy living or get busy dying,” but for years, he put it off.
He kept coming in for his appointment and I’d ask him if he took the LSAT yet, or if he’d gotten into law school yet, or if he’d started taking classes yet. Not attending law school was one of his biggest regrets, but for a long time, he felt like it was too late to change anything about it.
Then one day, about three years later, that client walked into my office and slapped his acceptance letter into law school on my desk. He hadn’t even told me that he’d taken the LSAT or that he’d applied. But he got accepted, and then he continued to practice law until he was 86 years old, taking full advantage of what time he did have rather than regretting the time passed.
Enjoy Each Chapter
I really, truly believe we go through different chapters in our lives where different things are meant to happen. The question we all have to answer for ourselves is, “What will make me giggle in this part of my chapter?” And then we must strive for that and not worry about all the distractions.
You see, I could beat myself up all day about how I’m paying alimony, how I’m the only one paying for my kids’ private education in Chicago, or how I’ll be the only one who’s going to pay for their college. I could beat myself up for all of the things in life that haven’t gone perfectly, but heck no! What a waste of time and energy. Instead, I’m going to live exactly the life I want to live and continue to grow and expand, because that’s life and that’s truly loving yourself.
It’s Never Too Late to Leap
It is absolutely never too late to go after the thing you want. The only way it’ll be too late is if you don’t do it, and you keep not doing it, because then you’ll allow disease to develop in your body from not aligning yourself with your dreams. For women, it so often shows up as breast cancer, and for men, colon or prostate cancer.
Deepak Chopra, a powerful alternative-medicine advocate, once said, “A cancer cell develops because that cell has lost its sense of purpose.” Stop putting off your purpose because you’re convinced it’s “too late.”
So often in life, we don’t live up to the life we love as our lives evolve, and disease is the physical aspect of this misalignment and is often the last to show up. It shows up in your money as well, trust me!
If you hate the job you have, then chances are you’re not going to get the pay raise you want, or the bonuses you need. Instead, you’re going to be the one worrying about layoffs and at some point, if your life is really supposed to move in a different direction, your boss will do it for you, getting you to resign at 57-years-old. Then you’ll really be worried about getting a job but deep down you’ll know you should have quit ten years ago.
Choose Your Path
Life always finds a way, just like Nature finds a way to heal with a pandemic. Either you’ll find the courage to take a leap towards what you want before the crisis hits… or the crisis is going to come. You get to choose your path, so choose from a place of empowerment.
Share Blog On Social
Recent Blogs
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 ✨
Gratitude isn’t just about listing what you’re thankful for. It’s a frequency: an energetic vibration that aligns you with more of what you love.
The way you end your year sets the energetic tone for how you’ll begin the next one.
Similar Blogs
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 ✨
Gratitude isn’t just about listing what you’re thankful for. It’s a frequency: an energetic vibration that aligns you with more of what you love.
The way you end your year sets the energetic tone for how you’ll begin the next one.
When most people come to me for financial advice, they expect me to talk about budgets, investments, and strategies for building wealth.