Dare to Change Life Coaching & Mentoring

Tag: financial independence

  • 5 Simple Tips for Creating Your Best Rich Life

    5 Simple Tips for Creating Your Best Rich Life

    Today I want to share some insights on how to use the power of intention to transform financial fears.

    In the current economic climate, it’s natural to experience fear and anxiety around money and financial future.

    And the tax return filing deadline we have in the U.S. this week only adds more stress to our already hectic lives.

    As a holistic financial independence mentor, I understand that the fear of not having enough money, of losing money, or of not being good with money can be overwhelming.

    However, you can harness the power of your intentions and elevated emotions by coupling your intentions with the powerful emotion of fear to take control of your money and your financial future.

    By setting clear specific intentions, connecting to your intentions emotionally (e.g.

    getting excited, grateful, loving, forgiving, etc.) and committing to your

    financial goals, you can tap into your spiritual power and achieve unimaginable

    success and create your best rich life.

    Here are some tips to get started:

    1. Set your intention(s).

    Define your values and write down your intentions. What motivates you to achieve your financial goals? Setting your intention will help you stay focused and motivated.

    2. Commit to your goals.

    Make a decision to commit to your goals and take aligned action towards achieving your financial goals. This can be as simple as saving for emergencies, creating a budget, or investing for the long term. By taking aligned actions, you will build momentum and start seeing results.

    3. Practice gratitude.

    Gratitude is a powerful spiritual practice that can help shift your mindset from fear to abundance.

    You cannot be grateful and fearful at the same time!  

    Take a moment every day to reflect on the things you are grateful for in your life, including your financial situation.

    4. Visualize your best rich life.

    Once you write down your intentions, visual them. Visualization is a powerful tool that can help you overcome limiting beliefs and visualize your desired financial future. Take a few minutes every day to visualize yourself achieving your financial goals, feeling confident and empowered.

    5. Have faith. Trust the Universe.

    Trusting the Universe means believing that everything happens for a reason and that you are on the right path. When you trust the Universe, you allow yourself to surrender in faith and open yourself up to incredible opportunities and abundance.

    I recently had a fantastic 3-part interview with Dr Nisha Manek, MD, who studied the power of intention from the scientific standpoint.

    She shares her insights about transforming a powerful negative emotion like fear into an incredibly powerful positive force by coupling it with laser-focused intentions and elevated emotions.

    Watch the last part of this 3-part interview series in the latest episode of the More Money with Millen show ” Your Path From Fear To Freedom”.

    Remember, expanding your awareness about your true nature and your spiritual power is a personal journey, and there is no one-size-fits-all approach.

    What works for one person may not work for another.

    However, by incorporating spiritual practices into your financial planning, you can tap into a source of power that can help you overcome fear and create your best rich life.

    If you want guidance or support on your financial journey, please do not hesitate to contact me.

    I am here to help you WIN the Money Game and create your best rich life.

    To your Health, Wealth and Freedom! 🙏 💖

    Millen Livis

    P.S. If you can, join me LIVE for the More Money with Millen show every Wednesday, at 10 am ET, right here, on my LinkedIn page

  • 🔥Why Banks’​ Failures Are Your Wake up Call

    🔥Why Banks’​ Failures Are Your Wake up Call

    Two major regional U.S. banks – the Silicon Valley Bank in California and Signature Bank in New York – collapsed a couple of weeks ago….

    Right away our government announced that it will NOT bailout the failed banks BUT that ALL banks’ customers can be assured that they will get their deposits back…..

    Not only those who are covered by the FDIC insurance (which has a max of $250K per each depositor), but also those with millions of dollars deposited to this bank, which were mostly wealthy elites, venture capitalists and Chinese companies (although, supposedly, only U.S. citizens can be insured by the FDIC insurance).

    If this is not a bailout, I don’t know what is…

    And in order to bailout failed banks, government has to come up with more money… which means more printing money, even higher national debt (according to the U.S. Treasury Department, the current national debt of the U.S. is $31.3 trillion, which translates to roughly $94,000 per citizen), even higher inflation, and lower purchasing power of U.S. dollar….

    Auch….

    Then last Monday stock shares of “rock-solid” Credit Suisse bank plunged and Swiss authorities helped cut a deal with its bigger rival, UBS, to acquire the troubled Credit Suisse bank at a marked-down price to calm the troubled financial markets and to re-instill investors’ trust in this “used-to-be” premier financial institutions….

    If you ask me, I don’t think these “superficial” government-arranged bailout-like actions can help restructure financial markets.

    Here’s why.

    As more facts started to come out about the Silicon Valley Bank’s operations and priorities, more and more people feel outraged with unconceivable incompetence and corruption of the SVB’s management and board of directors…

    They had less than 10% of deposits covered by banking insurance!

    Apparently, risk management was not SVB’s priority – its management didn’t have a director of risk management but had a director of equity and inclusion…

    They were donating millions of dollars to their preferred political supporters (from both political parties but mostly democrats), who were influencing financial laws and regulations.

    SVB didn’t have solid ethical and reliable operational guidelines….

    Senior managers dumped millions in SVB’s stock just a few weeks before its collapse…. BIG red flag!

    But that’s not all…

    In the lead-up to Silicon Valley Bank’s historic collapse in March this year, insiders at this California-based lender scooped up a record $219 million worth of personal loans (according to the Bloomberg News).

    Can you trust bankers with your money after such revelations??

    I cannot.

    And to be fair, NOT all regional banks are so corrupt and incompetent… but once you experience a rotten apple, it’s wise to be more careful and discerning.

    And there’re more reasons for you to be alarmed right now.

    Yesterday, the Fed (U.S. Federal Reserve) raised its key short-term interest rate by 0.25%, pushing ahead with its aggressive campaign to control inflation despite financial turmoil following Silicon Valley Bank’s collapse.

    This move will further constrain banks’ lending and weaken the economy.

    high Inflation + weak economy = stagflation

    There’s not sugarcoating the challenging times we’re in right now….

    But I am writing this NOT to stress you out but to wake you up and shake you out of complacency and status quo.

    It’s not the time to choose what’s convenient, or familiar, or comfortable.

    In the recent article about the banks failures, I shared the 5 Practical Lessons that will help you get well equipped to prepare for unexpected.

    These banks’ failures are a wakeup call….

    Be vigilant. Be observant. Be financially savvy.

    NOBODY cares about your money more than you do.

    And having money doesn’t make you good with money.

    You can see it by all the millionaires who were not managing their risk by having cash deposits that exceeded the required FDIC insurance amounts at the bank that was not managed responsibly (to say the least.)

    To your Health, Wealth and Freedom! 🙏💕

     Millen Livis

    P.S. let me know your insights from these banks’ failures…

    Are you going to make some adjustments to the way you manage your savings?

  • Rant of a Wealth Creator

    Rant of a Wealth Creator

    “I have savings, I have a brand new Range Rover, a house, Iphone 11… I have the “toys” I want…but I don’t feel free. ​ I still have to work hard for my money every day…even though I now consistently make 5 figure income per month. ​And if I stop working tomorrow, I will not last more than a couple of months.”


    That’s what I heard from a successful businesswoman I spoke with recently. And I hear similar stories often…. Although many people have been impacted by the “Covid-related” economic contraction, they seem to be having hard time adjusting their appetite for more “toys.”

    Please forgive me but I felt like sharing this rant with you today.

    We live in a consumer society. We are brainwashed by traditional and social media that if we want to feel good about ourselves, we need this or that luxury – a bigger house, a better car, more “toys.”

    Our holidays became commercialized so much that we often forget the real reason we celebrate them….

    We’re accustomed to expect instant gratification and that often requires spending more than we have on “toys” so that we feel adequate and successful. Many people fake their financial success….

    And the ease of getting credit cards fuels the addiction to “wealth consumption”. Even though interest rates have been historically low for some time now, the credit card interest rates didn’t go down at all. Debt became a chronic problem for many.

    So, it’s not surprising, although very frustrating to me, to hear that financial independence is just a pipedream.

    Look… Financial Independence is a realistic objective if you make it important.No, it doesn’t mean that you’ll have all the money in the world. It also doesn’t mean that you have to be so fabulously wealthy that no matter how foolish you are with money, you still would never have to work for money again.


    Money likes attention. Money likes speed. 

    Money likes respect. Money likes organization. 

    Money likes direction. Money like purpose.


    Financial Independence simply means that you can maintain your current lifestyle – perhaps even have a better one – without having to work!It requires that you change your thinking patterns and learn how to make your money work for you instead of only focusing on making more and keeping your money stagnant in your bank or spending it on more “toys”.You may be surprised, but it doesn’t matter whether you’re a social worker who is struggling to make ends meet or someone who is earning a great salary or has a very profitable business.I’ve met millionaires who were NOT financially free and secretaries who created financial freedom and retired early. In fact, financial independence is often easier to attain for those who learned to maintain their lifestyle on less money.

    And you can do it without feeling stingy and without clipping coupons! So, here’s the thing…. If being financially independent is your top-of-mind thinking for 2021… if you’re done procrastinating, waiting and worrying how you can have a life where you never have to worry about money again – let’s connect in person.

    Yes, I mean face-to-face, in my private Zoom room.?


    However, I am not a superwoman (yet!) and can only have 5 complimentary sessions per week, max.

    So, CLICK HERE to schedule your “Never Worry About Money Again” consultation with me where I’ll help you identify YOUR unique fastest path to Financial Independence! 


    Remember: Waiters don’t win.

    Decide what’s important to you.

    Know you’re worthy of receiving it.

    Get into action.

    If you don’t want to wait another year- let’s talk.

    millen-sig3

     

     

    Millen Livis ?

    P.S.FACT: most people think that Financial Independence is just a pipedream.

    But there is a REALISTIC path to Financial Independence, without winning a lottery or killing yourself at work! Let me help you map out your unique fastest path to Financial Independence.

    Take me up on this risk-free offer – schedule your “Never Worry About Money Again” consultation now.

     

  • How to Overcome Fear of Investing

    How to Overcome Fear of Investing

    As you may know, I believe that developing a wealth mindset and understanding the metaphysical laws of money and abundance are the essential elements of creating Financial Independence. 

    However, being savvy about managing and investing your money is another essential aspect of creating Financial Independence.

    If you don’t save and don’t invest your money strategically, no matter how much you may be earning right now, it’s unlikely that you’ll enjoy financial independence or have a comfortable early retirement.

    Unfortunately, many women are afraid of investing because they are afraid to lose money… 

    And when they hear confusing advise (like “You should diversify!” and “NO! Don’t diversify!”) – they resign to doing nothing (and lose time and opportunities) OR choose to delegate managing their money to advisors, spouses, or partners…and often lose even more money.

    That’s why, today, I chose to share this short video with you. 

    Now, I have a question for you.

    What would your life be like if you could do what you want, buy what you want, have the amazing experiences you want…without worrying about money?

    And if you’re ready to trade worries about money for complete freedom, why not get started now? 

    I’ve opened up a few slots for my PRIVATE Complimentary “Financial Freedom Lifestyle” sessions, where you can see your worry-free future unfolding in front of you.

    Sound exciting? 

    Great! 

    Send me an email to Millen@DareToChangeLife.com with the subject line Financial Freedom Lifestyle, describe your current situation, financial goals and timeframes, and your level of commitment to your goals (on a scale of 1-10).

    I look forward to hearing from you! 

    To your Health, Wealth, and Freedom!

  • There Are Two Categories of Women. Which One Do You Put Yourself In?

    There Are Two Categories of Women. Which One Do You Put Yourself In?

    Do you feel like time flies faster and faster, or it’s just me?

    Is it my age or the age we live in? Or both? LOL

    I’m spending my last week at a healing facility in the French Alps.
    I enjoy taking the time to nourish my body with different thermal baths, thermal mud treatments, and hydro-massages.

    And each Sunday, I visited local attractions – castles, beautiful parks, lakes, and small cities.

    I meditate a lot here…

    And every moment, I feel SO infinitely grateful for the life I have created…my beautiful daughter, loving husband, amazing clients, incredible adventures and travels….
    FREEDOM of time and choices.

    So, what occurred to me may sound somewhat controversial, but hear me out….

    What occurred to me is that there’re two kinds of women in the world:

    1. Women who spend their whole lives working to make money.

    AND

    2. Women who enjoy FREEDOM in their lives because they figured out how to make their money work for them.

    Would you agree?

    Those women in the first category often make a good living – have high-paying jobs or run profitable businesses – yet they still don’t have the FREEDOM and INDEPENDENCE that they crave so deeply.

    While the women in the second category have learned how to think, plan, and act strategically with their money. And voila…they can choose when and how much (or how little) to work, who to spend time with, where to live, how to be….etc

    So, which category do you think are in? First, second, or somewhere in between?

    The good news is that it’s a simple transformation to get from the first to the second category.

    It may not be easy, but it is simple. Unfortunately, we don’t learn this at school.

    If you have young kids, they observe your choices and life experiences and unconsciously repeat them, just like you probably got programmed by observing your parents. You don’t need me to tell you how important it is to model “good money habits” for children.

    So, if you happen to be in the first category, are you going to wait for the pandemic to be over to start planning your desired financial future? Or for the economic condition to improve, for getting married or for your partner to be more supportive, or making more money at your job or business?

    How many more years are you willing to wait before you start creating your Financial Independence so that YOU, too, enjoy more freedom in your life?

    Ask yourself these questions.

    After all, none of us are getting any younger….

    Let me know what you think about my controversial “download.”

    To your Health, Wealth, and Freedom!

    P.S. Sometimes tough times are what call us to grow. And to step into things we normally wouldn’t be “ready” for.

    If you crave more FREEDOM in YOUR life, you may want to connect with me ASAP.

    I want to help you identify YOUR fastest path to Financial Independence. 

    Email to Millen@DareToChangeLife.com with the Subject Line “I want Financial Independence” and we’ll schedule a complimentary call.

  • Your Big Badass Dream Plane & THREE Levers to Upgrade Your Financial Life

    Your Big Badass Dream Plane & THREE Levers to Upgrade Your Financial Life

    What would it take for you to feel wealthy?

    How many millions?

    Or maybe just having “more than enough”?How many homes/yachts/planes?Or maybe just having more choices?How many children/husbands/lovers? (OK, this topic is for anothertime/place… LOL)Or maybe just having more free time, working less?Obviously, being wealthy means different things to different people…And it’s great to have Audacious BIG Badass Dreams.And my question to you is: “Are you actually ready to bring your currentfinances into harmony with your BIG Badass Dreams?”Because dreaming BIG is great! However, in order to take this BIG BadassDream plane off the ground, you’ve got to get very clear about it (is it REALLYworth the efforts?), then map your way forward and learn to pilot it, so youcreate the momentum.Because if you don’t… well, let’s stay positive here.So, what is your “BIG Badass Dream” plane?What do you REALLY want for yourself and your loved ones?

    Can you describe it as if you were living it in the present moment?What do you do, what do you feel and see, where do you live, who are youwith?Make time and space for yourself to “normalize” your Big Badass Dream –make it SO NORMAL that you start embodying this dream!Then you can get to map your way forward.How do you map your way forward?By mapping your money according to your desired level of financial fitnessand using three cash flow levers to accomplish your desired results.Money Mapping is about discerning what’s REALLY important to you in life(and this may change as you go through different phases in life) and thendesigning your lifestyle so that it supports your values and your BIG dream.Money Mapping is Budgeting 2.0, because it’s NOT just about counting everypenny you spend on groceries. That’s tedious and unnecessary for mostpeople.Money Mapping is about you focusing on your BIG Badass Dream, translating itinto numbers, then reverse-engineering it into the money map so that yourlifestyle and choices are coherent with your goals.In my programs, I talk about 4 stages of Financial Fitness:1. Less than enough2. Just enough3. More than enough4. AffluenceYOU DECIDE what financial fitness level is next for you. THAT will determineyour spending patterns, your saving patterns and your investing patterns.That’s what the money mapping is for.

    My clients come to me at different levels of financial fitness spectrum and withvery different ambitions. And they ALL evolve to much higher but differentfinancial fitness levels. Because they have different definitions of “wealth.”That’s why I asked you at the beginning “What would it take for you to feelwealthy?” Your answer will determine your specific money map.In other words, your answer to this question (which only YOU know theanswer to), will guide your choices and financial decisions.For example, you may have a BASIC money map (to track your money, youcan use an Excel spreadsheet or an app) that reflects just basic needs(groceries, rent, utilities) and paying off debt. This may support a simplelifestyle, living debt-free, in a rural area, and have less pressure…Then you can create another COMFORTABLE money map that will includesome comfort items like massage, mani & padi, trips, restaurants, privatecoaching, etc.Finally, you can create another AFFLUENT money map that will cover allyour intentions and desires – from millions in the bank, to having a personalchef, jet-setting to French Riviera, and having vacation homes in resort-likelocations.Having these money maps will help you “land” your BIG BADASS DREAMplane with concrete numbers that will back it up, support your desired lifestyle.Finally, the time for the HOW question. What levers do you have to controlyour cash flow and upgrade your financial fitness?I invite you to consider these THREE levers to control your cash flow:1. Income2. Budget (pattern of spending)3. DebtAnd here are THREE ways that you can use to improve your cash flow:1. Identify your current ‘financial leaks” and make necessary adjustments.2. Brainstorm and uncover additional long-term sources of in-coming cash.3. Brainstorm and uncover immediate prospects for incoming cash flow.In summary: You Big Badass Dream can be your reality. Being FinancialIndependent is NOT a pipe dream. You’ve got to get your money map inplace, get strategic about your choices and get this plane onto the runway,ready to take off.

    With love, health and wealth

    P.S. If you feel sick and tired of being restricted by money, feeling worryingabout your retirement, anxious about investing – let’s connect! Here’s the linkto schedule a complimentary Money Breakthrough session with Millen.What do you have to lose? Fear, money anxiety, indecisiveness. What youcan gain? Clarity, direction, specific strategies and concrete steps to moveforward.