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Category: Financial Freedom


“I can’t change the direction of the wind, but I can adjust my sails to always reach my destination.” ~ Jimmy Dean


There was time in my life when I desperately wanted to become rich. For me becoming rich wasn’t so much about big houses, designer clothes or fancy cars (although there is nothing wrong with wanting them)… I was craving FREEDOM. And it took me years to become clear about the stages of creating Wealth and the essential elements needed to get to REAL Financial Wealth – the Financial Freedom.


Today I want to share with you the 4 stages of Financial Fitness because looking at where you are now in terms of your financial health will help you focus on solutions needed to evolve or leap your way to Financial Freedom.


There are 4 stages in Financial Fitness funnel:


1.  “Not Enough”: This is the stage when I < E (Income is less than Expenses)

Typical characteristics of this stage:

  • People spend more on their lifestyle than they earn, whether they have a job or a business, and whether they are high-income earners or low-income earners
  • High-interest Debt (credit cards, car loans, or private loans) is often used to make the ends meet
  • There are No Savings
  • People need to work for their money       


2.  “Just Enough”: This is the stage when I = E (Income is equal Expenses)

Typical characteristics of this stage:

  • People spend everything that they earn to cover their lifestyle
  • High- and Low-interest Debt (credit cards, student loans, mortgages, car loans) is often used to maintain a desired lifestyle
  • There are usually No Savings
  • People need to work for their money

3.  “More than Enough”: This is the stage when I > E (Income is more than Expenses)

Typical characteristics of this stage:

  • People spend less on their lifestyle that they earn
  • Low-interest Debt (credit cards are paid off monthly, low-interest mortgage(s), student loans) are sometimes used to maintain a desired lifestyle
  • There are often multiple sources of income
  • There are usually Savings and Investments
  • Philanthropy is quite common
  • People need to work for their money


4.  “Financial Freedom”: This is the stage when I > E (Income is more than Expenses) and there is no need to work for the money

Typical characteristics of this stage:

  • People spend less on their lifestyle that they earn
  • There is No Debt or Low-interest Debt (credit cards are paid off monthly, low-interest mortgage(s)) are rarely used to maintain a desired lifestyle
  • There are multiple sources of income
  • There are significant amount of Savings and Investments
  • Philanthropy become part of lifestyle
  • People don’t need to work for their money – their money works for them


What stage of Financial Fitness do you think are you currently at?


“How do you know about these financial stages?” you may want to ask. Well… a bit of research and a lot of personal experience. I myself was at each of these financial fitness stages more than once!


Important: it is not uncommon to see “Financial Fitness Funnel” jumpers – people who jump as oppose to evolve from one stage of financial fitness to another. Yes, people often ‘jump’ in both directions of financial fitness range – from lower financial fitness stages to higher and back!  Yes, it’s not always the upward spiral, the regression back to the lower financial fitness level is not uncommon.


Now let’s talk about obvious and not so obvious levers that you can use to improve your financial fitness.


Here are the essential factors of your Financial Fitness:

  1. Spending rate
  2. Income stream(s)
  3. Degree of Prosperity Consciousness (Wealth Mindset)
  4. Level of Financial Education


Obvious levers are Income and Spending. If you are currently in stage 1 or stage 2 in your Financial Fitness Funnel, you must honestly and courageously look at your spending patterns as well as contemplate ways to increase your income.


The key words here are honestly and courageously. I’ve met people with different income levels – from fairly low to fairly high – who got stuck in stages 1 or 2 in their Financial Fitness. Obviously, the Income factor is NOT the only important factor here.


The not so obvious yet essential levers are Wealth Mindset and Financial Education.


There are people who are considered to be rich because they own big houses and fancy cars. However, many of them are ridden by competitiveness, fear of losing their ‘stuff’ (houses, cars, money), by the need to make more so that they could consume more, by the need to keep up with the Joneses, or to impress or prove something to someone. This is the consciousness of scarcity and lack, which often leads to regressing from higher levels of Financial Fitness to lower levels.


And then there is financial education. Before you decide to jump into investing – whether it’s stock market investing, Real Estate investing, Cryptocurrency investing, or buying a business – you really must know what you are doing if you don’t want to lose all your money. It’s the naked Truth. And it is rather common that people over-estimate their financial knowledge only to get burned and learn the lessons the hard way.


Clarity Enables Empowerment.


My ultimate goal is to support you on your journey to REAL Wealth – to stage 4, which is Financial Freedom.


No, I don’t promise to give you freedom. I promise to give you the key to your ‘money prison’ cage.


I want to teach you how to make your money work for you. To show you that there’s a bigger, freer world you can live in. To help you unlock the money prison you might be living in (unconsciously) and let you fly away.


That’s what The Millen Method™ of Wealth Mastery is all about.


You can also watch the recording of my VIDEO on this topic HERE


To Your Health, Wealth and Freedom!




Millen Livis


You’ve always dreamed about and hoped that you would have a successful and beautiful life: a loving family; a rewarding career; a lovely home; and personal and financial freedom. You’ve got great ideas, good education and professional experience. You work hard and find time to take care of your family.


You look confident and poised… on the surface. Deep inside, you still have this disturbing self-doubt and fear… fear that you may not have enough money to pay your bills; fear that you may lose your job, medical insurance or your home; fear about your financial security and your retirement… You worry about money so much that it affects your sleep, your health and even your relationships.


You avoid talking about your feelings with your partner…. Unfortunately, money worries destroy relationships, families and careers! Do you know that money is the number ONE reason most marriages end in divorce?
You want to have more abundance, more love and liveliness in your life but… you are afraid of change.


Have you ever had thoughts like “If I had a lot of money, I would…” or “If I had a loving partner in my life, I would…” or “If I only got my business to make consistent 6+ figures, I would…”?


I used to have thoughts like that… and they were draining my energy and were making me feel “less than.”


And when I talked to a young woman yesterday who shared with me her continuous struggles – with money, jobs, relationships, and health – I felt compelled to share with you something that may seem obvious to your unconscious mind… yet is not so easy to implement when the egoic mind is stubbornly keeping you stuck in the old patterns of familiar thoughts and emotions.


I assume you know and possibly have heard more than once that

experience of lack – lack of money, lack of love, lack of success, etc. – is the projection of the inner condition of lack.


So, if you know that, why in the world is it so challenging to break through the old patterns?!


What keeps you in the inner prison of a very subtle scarcity mentality?


Yes, limiting beliefs are often so ingrained in our conscious mind that the only way to notice them is by looking at your life experiences… because they are reflecting your inner state.


If you‘re trying really hard to achieve something – whether it’s financial goals, career, or personal goals – yet feel exhausted and even lose your enthusiasm because nothing is moving forward in your life, it’s time for you to look inward.


If it feels like you’re pressing the gas and the brakes pedals at the same time – IT’S YOUR TIME to look inward, dear.


It can be REALLY frustrating to know the Truth – “as within, so without” – yet still feel blocked. Whether it’s your family or social programming, or simply old money dynamics – it doesn’t matter. The messages from your past –  “you don’t know how to manage money”, or “you are not too smart so you need to work harder”, or “you need a husband to support you”, or “wealth and freedom are for lucky few” – messing up your efforts and your inner power!!


These old sabotaging beliefs keep you settling for less while you’re being stuck in the “mediocre land”.


Now, how can you uproot these old, stubborn, hidden energies stored in your body that block you?


There are a few modalities that can be effective, of course. However, I experienced myself and witnessed great results using Time Line Therapy™ (TLT). It’s a phenomenal tool to uncover and neutralize the energy of negative emotions from past experiences, and detect limiting decisions and sabotaging beliefs that are still running (or ruining?) your life.


During my own TLT sessions, I was able to let go the “not good enough” message that haunted me for a long time, cleared out my conscious mind from fear, hurt, anger, guilt and other negative emotions that were stored in my body from past memories. One of my favorite experiences was installing my gorgeous goals into the future!


Yes, this is possible as well with the TLT!


The experience of uplifting and liberation was almost overwhelming. THAT’S WHY I, the Wealth Architect and Financial Freedom Mentor,  became a certified TLT practitioner!


With Love,



Millen Livis

p.s. If you’re ready to deal with your inner condition of lack and scarcity – let me know! I would be happy to talk to you privately because I want YOU to feel ALIVE and VIBRANT – freed from negative energies that may be sabotaging you in different areas of your life.

Schedule a quick chat with me and let’s see if the TLT method is what you need to liberate your inner power.


  • ::Millen has a way of opening up conversations that not only make you feel safe to talk about money, but her questions have been so profound that they have made immediate shifts in my mindset and my circumstances have changed almost immediately too, including more money showing up, but more importantly, more and more opportunities.  I have found new and inspired direction, and am feeling a lot more peaceful and excited about life in general. Millen offers so much value and a solid advice! She is a big picture thinker and it is infectious! Thank you, Millen, from the bottom of my heart and the top of my soul.

    ~ Renee Commins, Coach, Renee Commins Coaching

  • ::Millen Livis is a gift to humanity. Millen is very generous with her time and energy, sharing her vast life experiences and strengths, empowering me to become a better human being. Millen has impacted my life spiritually, emotionally, physically and financially, by her encouragement and clarity. I have not said, “Thank you!” enough.

    ~ Heidi Stefan, B.A. Detox Support Counselor, Archstone Recovery Center of the Palm Beaches, Inc.

  • ::Millen brings together an interesting mix of feminine wisdom, clear logic, assertiveness and humility in all of her interactions. With her warmth, intelligence, diverse experience and passion for ‘Dare to be the best you could be’ message, she inspires other women to reach for the goals they set for themselves.

    ~ Sharon Keller, Golden Bear Realty, LLC

  • ::Using laser like energy, Millen gives her full attention to your issue and stays with it until a satisfactory resolution or conclusion is reached. Open minded, yet direct and honest, Millen balances objectivity with compassion. It is a joy to work with her!

    ~ Mary L. Holden, Freelance Editor and Writer

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