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Clarity is priceless whether you consider your authentic professional path, your relationships or your money. There are a lot of courses about finding your authentic self-expression and living your purpose.


Very important, indeed!


And as a Wealth Architect and Financial Freedom Mentor for women, I am aspired to empower you with financial clarity and give you the key to the money jail so you could free yourself for good.


How do I do that?


By teaching you how to WIN the Money Game!


You see, I don’t believe that “Money is your Financial Oxygen” as some coaches teach.

Frankly, it’s just too dramatic for my taste.


Money is no-thing – it’s available neutral energy and each of us gives it the meaning we choose to give it.

To me, money is a game we play in our physical world and, as in any game, you must know the rules, have the appropriate skills and go for the WIN! That’s all.


One of the most important skills required to win the Money Game is Effective Money Management. I teach this skill in depth in my coaching and today want to cover some of the important aspects of this skill-set – allocating your money based on its purpose.


Yes, money likes purpose.


You are a spiritual being and succeeding at the Money Game is part of your physical experience your “Earth school.”

Like with everything else, you may go through rough times and good times with your finances. Having the skill to help you navigate through the storm and calm waters of your financial sea is very useful whether you’re already making 6-7 figures per year or still on your way there!


Do you often feel that you don’t have enough?


Do you spend your money wisely?


Do you invest your money strategically?


Do you leverage your money so that the money you already have works for you when you are not working?


Effective money management is a skill-set that you can learn like any other. Although it’s not the rocket science, it requires discipline and a responsible attitude. If you want to change your money habits, you need to replace them with the better ones and practice them consistently. That’s why I like the notion of organizing your money by its purpose.


Organize your money based on its purpose – Saving, Spending and Investing. The amount of each ‘money container’ should be a certain percentage of the total money you currently make. The percentage allocation toward each ‘money container’ may certainly change over time.


For example, a solid financial discipline would be to contribute toward your Savings at least 10% of your gross income. If your current income is mostly used to cover your basic needs, the percent of your allocation toward Saving might be just single digits comparing to your Spending. However, keeping consistent contributions toward your Savings is very important for it helps establish good money habits and create a positive momentum with your money.


Once your income gets higher, you will adjust the allocation percentage accordingly. You should also take into account your risk tolerance and which phase in life you are in. If financial safety is your top priority at the moment and you are heading toward retirement in a few years, you may want to increase the amount allocation toward Savings and decrease percent of money allocation toward risky Investments. This will allow you to avoid feeling uncertain or overwhelmed about your financial future.


To make my point, I am going to use a metaphor of a jar as a money container (obviously, money isn’t really kept in jars but rather in bank or brokerage accounts, credit unions accounts, physical precious metals like gold or silver coins, and property).


IMPORTANT: Keeping all your money together in one container could lead to unwise decisions and financially devastating consequence. Although dividing your money among different categories may not preclude you from making mistakes, maintaining the discipline of adhering to this structure will help you limit your losses and avoid financial ruin.


Imagine that your future income is located deep in the ground, in a money mine, and you first need to extract it—apply efforts to earn it—then divide it into the following three jars:

  1. Spending—money exchanged for shelter, food, services, healthcare, pleasure and philanthropy.
  2. Saving—money that stays in place, as a foundation.
  3. Investing—money used in order to grow your wealth.


The objective is to fill all three money jars, which is equivalent to achieving your goal of Financial Freedom. Although this goal may seem to you unrealistic at first, especially if at the moment you have a modest single source of income, it is totally possible! Don’t postpone starting your journey to financial independence – start NOW. 


You can also watch my VIDEO that I recently recorded on this topic.


If you feel ready to WIN the Money Game and need a bit of guidance and support – let’s talk.


In the meantime, Think and Live Wealthy!



Millen Livisllen

To learn more about Millen and her mission of Financial Freedom, click here

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  • ::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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