Dare to Change Life Coaching & Mentoring

Tag: money matters

This ONE Thing Could Literally Change Your Life

So, the 2018 is officially over with all the successes, challenges, breakdowns, breakthroughs, changes, and transformations.

It’s a NEW YEAR, a NEW AGE and a NEW PARADIGM!

And as I heard from one spiritual guru recently, the energy of this year is “Seize the day.”

In other words, when opportunity knocks, welcome it and run with it. And if challenges get on your path – don’t panic or curse your luck. Find a way to perceive them as…opportunities in motion. Opportunities to learn, grow, and expand.

This week, I had a privilege to speak to an amazing beautiful 94 years young woman. She has this special spark and charm that is hard to describe in words… One might guess that her life was easy, joyful and fun. Yet it was anything but easy…

During the WWII, she lived under Nazi’s occupation in Lithuania, escaped, became a refugee and lived in different countries before coming to America; was divorced, remarried, then lost her second husband to cancer…

She raised two wonderful daughters as a single mom, learned how to master her money, became an investor, achieved financial independence, and became an amazing painter after leaving her professional career as a chemist.

Her house looks like an art museum… Her many paintings reflect her rocky life journey.

So, I asked her if she could distill all her experiences and wisdom into ONE thing that really matters… ONE thing that helped her overcome enormous obstacles and go through many personal challenges…what would it be?

She looked at me, smiled and said: “The only thing that truly matters is whether you’re happy inside despite your life situations…” Then added softly “I am happy inside.”

“All the time?!”- I asked with some sense of astonishment in my voice.

“NO”, she responded. “Not all the time! About 95% of the time.”

I smiled…

Can it really be THAT simple?

Yes, I believe it can. And it’s a matter of choice.

Today you can choose to focus on problems, react to challenges in your life, compare yourself, and feel powerless and unlucky…

OR

You can choose to focus on solutions, on what “works” in your life.

You can choose to believe that you can do anything.

You can choose to release what no longer serves you.

You can choose to accept your current life situation and thrive for better.

You can choose to love yourself just the way you are, without any need to prove anything to anyone.

You can choose to better yourself and your life through new knowledge and expanded awareness.

You can choose a new way of being.

It does not happen overnight.

It does not happen because it is a New Year.

It happens because you consciously choose every day what you give your attention to, what thoughts you allow to dominate, what words you use, what habits you practice, what boundaries you establish, and how you re-calibrate your feelings.

Be kind and loving to YOU. At least 95% of the time. LOL!

That’s my intention for 2019 in addition to helping as many women as I can to master their money and experience more EASE, PEACE and FREEDOM.

And that’s why I have a question for you.

If you could sit down with me for a cup of coffee, what would YOU want to ask me? What top one or two questions you’d like to ask me?

Just message me or write in the comments below your questions.

To your Health, Wealth and Freedom!

P.S. I’m serious! Go ahead and message me or write in the comments below your questions. What would you ask me?

January 3, 2019
Essential #7 for Creating Wealth and Success
Do you remember that in Essential #4 for creating Wealth and Success, I talked about the importance of feeling rich and living wealthy regardless of your current financial situation?

To feel rich and live wealthy, in addition to everything else that I shared with you earlier, you’ve got to take on the identity of a rich person! Start with thinking like a rich person and normalizing your new, wealthy reality and focus on experiences that confirm (to your own logical mind) that you already have wealth.

Make feeling wealthy your new NORMAL.

I encourage you to practice the following:
1. Develop Confident Decisiveness – train yourself to take bold decisive actions and be responsible for the outcome.
2. Be willing to take risk (calculated risk).
3. Don’t be afraid of failures – see them as Valuable Growth Lessons. “Failures” are the bricks to your road to success. Many people “failed” their way to riches.
4. Play to WIN, NOT not to lose (and be willing to leave the Good to welcome the Great).
Fortune favors the bold.

So, the Essential # 7 for Creating Wealth and Success is:

Be Willing to Take Risk.

You’ve got to be in a game and be OK with losing in order to learn and grow.Yes, you’ve got to PRACTICE taking decisive actions and be willing to take risk.

Not ‘gambling’ type of risk! Mindful risk.

And often this entails to be willing to leave the Good to welcome the Great.

Here’re some examples from my own life when I did exactly that:
- Invested in the stock market to raise money for the down-payment on our first house
- Left my marriage… left everything behind – the gorgeous house, the comfort of 2 incomes…and re-starting my NEW LIFE in a tiny apartment near my job.
- Left my well-paid and prestigious Wall Street career and went back to the Business School in my mid 40’s, then started my own investment company
- Started my wealth mentoring business, put myself out there to support other women on the journey to wealth and freedom. My remarkable life didn’t happen overnight. My CHOICES shaped me and my life’s trajectory.
And a few of these choices were risky. I was (for the most part) playing to WIN, NOT not to lose. I was scared… often.

Yet I was willing (and it was REALLY scary) to Leave the Good in order to Welcome the Great.

Obviously, different people have different tolerance for risk. Be aware of your risk tolerance, respect it yet see if you can stretch it a bit…and a bit more…and more.

Fortune favors the bold.

The suggestions offered here may feel like scary or crazy… Keep practicing them anyway.

Things will start shifting… your feelings will change, your energy will change….
You will start creating and experiencing forward-moving momentum.

Synchronizations and serendipitous experiences will be happening, you will start attracting good opportunities instead of repelling them.

Risk is embedded in any business or investing decisions.

Nothing is guaranteed in life (except taxes and death.)

BUT it doesn’t mean that you should stay away from any endeavors that involve risk, not at all!

Instead, you’ve got to:
- Become aware of your particular risk tolerance and;
- Take decisions that involve measured/mindful risk so that your possibility for success exceeds the possibility of loss
- Your loss will not put you into despair and make you lose sleep
- Develop courage and Be Willing to Leave the Good to Welcome the Great.
Comment below and tell me how this Essential #7 lands on you…. What resonated? What did not?

To your health wealth & Happiness

P.S. If you want to be part of a supportive community of the like-minded women, join us FREE here >>> Wealth Building for Powerful Women Community
November 2, 2018
Essential #3 for Creating Wealth and Success

What you appreciate, appreciates.

I am pretty sure you’ve heard the phrase “What you appreciate, appreciates” a few time already.

However, today I want you to really hear me and TRULY embrace the power you have by being AWARE of your Focus of Attention.

Because…WHAT YOU FOCUS ON, EXPANDS.

That brings me to the Essential # 3 for Creating Wealth and Success:

Use the Power of Your Attention

Let me share with you briefly my personal story to demonstrate this power.

After I resigned from my “comfortable” job to go to the business school, left my “comfortable” marriage and started my own investment business, I expected that my life will be more exciting, more meaningful, and more adventurous.

Well, the beginning was too adventurous…. I felt like I was on a roller-coaster and then hit a wall. Everything seemed to be falling apart – from my health, to my business, to money and relationships.

My critical mind was constantly bringing my attention to what was NOT working (e.g. business, health, relationship) and what I didn’t have (e.g. a house, family, money).

I felt like a total failure.

You see, everybody goes through some crazy phases in life when it feels like everything is falling apart. That is the time to TRAIN your mind to focus on what works in your life and count your blessings!

Awareness of YOUR ATTENTION is paramount if you want to start creating your life intentionally/consciously.

Just like you use a remote control to switch a TV channel from something you don’t like, you can use your AWARENESS as your lever to direct your attention intentionally. And where your attention goes, energy flows.

Now let’s look at this essential principal from a practical perspective as it pertains to managing your money and creating wealth.

I am a big proponent of fiscal discipline. You’ve got to be a good custodian of your money if you want your money to “hang out” with you and in your world.

However, fiscal discipline is NOT the same as frugality.

For example, when you choose to save money, make sure you focus on what you say YES to, not what you say NO to.

You want to make financial decisions from a place of abundance and respect for your money, not lack and fear of “not enough”.

When you make a decision to put some money aside into your “peace of mind” fund (aka emergency fund),

are you making this decisions from a place of fullness (e.g. “YES, I CAN SAVE, I LOVE PAYING MYSELF FIRST and having the “peace of mind” fund”)

OR

from a place of lack and scarcity (“I don’t have enough to put money aside”, “my income is too small to save money”, “I have to save for the “rainy day””)?

That’s an important question to ask yourself if you want to test your focus.

If you focus on all the abundance you already have and what else you want to create in your life, then saving money becomes an empowering experience!

This is an important distinction to remember.

Let’s talk about ”The grass is always greener on the other side” syndrome – comparing yourself and your life with others, focusing on what “they” have and you do not.

There is always someone out there who may have more of what you want – more wealth, more success, more love, more fame, whatever. And if you focus on what “they have and you do not”, YOU make yourself “LESS THAN THEM.”

It adds stress, pressure, and triggers toxic “I’m not lucky/not enough” feelings….

YOU sabotage yourself.

What if you flip this and think about all the people who have less than you, who would love to have what you have – health, home, family, friends, etc.

Remember that NOTHING is GUARANTEED in life – what you have NOW is not guaranteed forever.

Bring your ATTENTION and ACKNOWLEDGE what you have NOW, and the progress you’ve made thus far. Then decide which areas of your life you want to up-level.

Once you stop comparing yourself and your life with someone else’s (who may have more wealth and success right now), and intentionally use your attention to focus on what YOU HAVE at the moment in your life and what YOU CAN adjust (e.g. upgrade your skills, become more aware of your old beliefs and money patterns, etc.), you will release stress, feel better, and elevate your mental and emotional energy.

THAT will create a rich ground for more opportunities and wealth in your life.

There is a great Buddhist saying: “There is no way to happiness. Happiness is the way.”

Gratitude is the way. Being in the Now is the way. Realizing how fortunate you are in so many ways… is the way.

YOU CAN CHOOSE where you direct your attention.

YOU CAN CHOOSE what you give your energy to.

YOUR ATTENTION DIRECTS YOUR ENERGY.

What YOU SEE, IS.

What YOU FOCUS ON, EXPANDS.

To your Health, Wealth and Freedom!

P.S. Have you downloaded your FREE Wealth Planner yet? Get it NOW and start planning your wealth and unforgettable life.

Missed the live mini-class on our Facebook Page? No problem! watch it here.

October 4, 2018
Essential #2 for Creating Wealth and Success

I want to share with you a true story that led me to a decision to include the Essential #2 into my list of principals for Creating Wealth and Success.

I own a successful real estate business and some time ago had the following conversation with one of my clients, Kate, who is a young married professional woman who has problems paying her rent and bills in general.

Kate: “You’re lucky, Millen. You’re wealthy, you don’t need to work, you have a nice car! You don’t understand how hard it is when you never have enough money. You don’t understand how it feels to be poor!”

Me: ” Actually, Kate, I was in much worse situation than you have right now… more than once.
I experienced being jobless and working for minimum wage jobs, being alone and depressed, broke and broken….

I had to learn how to FEEL wealthy even when I didn’t have much on my bank account. I had to learn how to become a savvy manager of my money so that I will be able to pay my rent and bills…save and invest.

I had to learn how to believe in myself, so I could eventually create a life I wanted to have. So, it’s NOT luck. It’s the CHOICES that I made that led me to the life I have now.”

And that brings me to the

Essential #2 for Creating Wealth and Success:

Install and keep reinforcing supportive beliefs about yourself, money and wealth

Let me go over the WHAT, the WHY and the HOW.

WHAT are Beliefs?

Repeatable thoughts, patterns of thinking, stories you continuously tell yourself when nobody else is listening….

The domain of your beliefs is your Subconscious Mind. You create your experiences by the CHOICES you make, which are determined by what you REALLY think and feel, which is the realm of Subconscious Mind.

When you were born, your subconscious mind was a blank slate… Have you noticed that little children have a natural sense of curiosity and excitement for life?

And then the programming started… “You have to be careful”, “you have to have a corporate job or be a doctor/lawyer to make a good living”, “you have to work REALLY hard to make money”, “you need to marry a wealthy man to have financial security”, “you are not the entrepreneurial type”, “being wealthy is not in your cards”, blah, blah, blah….

WHY it’s important…

When you have ‘money blocks’ in a form of self-limiting BELIEFS around money, wealth and self-worth, you SEE the world THROUGH THESE FILTERS, through the filters of YOUR UNSUPPORTED BELIEFS!

When you don’t believe that wealth is possible for you, you repel, don’t pay attention to, or dismiss the wealth-building opportunities when they show up in your life.

Your beliefs about money, wealth, yourself, and what’s possible for you are pictured out in your life experiences and your financial situation.

Your state of sub-consciousness is reflected in your experiences. And your state of sub-consciousness is determined by your deep beliefs and feelings….

Yes, your experiences in life are affected by what you FEEL and THINK you deserve and can achieve. You only “see” the circumstances that confirm your beliefs.…

THAT’s why it’s important to BE AWARE of your deep hidden beliefs and CHOOSE which ones you want to “install”, nurture, give energy to.

HOW to Install Supportive Beliefs

TRAIN your mind to acknowledge your successes, celebrate your WINS, become more intentional with your CHOICES, notice what works in your life, REINFORCE the behavior’s and beliefs that have helped you succeed in the past.

Establish DAILY wealth practices: meditation, journaling, counting your wins and actively appreciating what you have now, going for your wealth walks and using affirmations, asking “What if…” and “Why I can have/be/do…?” questions, etc.

If you don’t like where you currently are financially, you may ask yourself “What beliefs someone must have to manifest these experiences?” It’s the shortest and simplest way to uncover your hidden sabotaging beliefs.

Then you can ask “What actions someone could take to change this situation?”

You see, money is a special (metaphysical) mirror of your current values, thoughts, beliefs, and choices.

For example, if you keep spending more money than you make and don’t grow your savings, you may have a belief that you cannot manage your money well.

If you keep attracting clients who “cannot afford you”, you may have a hidden belief that your service is not really that valuable or that you are not “good enough” to charge your fees.

You see how it works?

Your beliefs are tightly connected to certain emotions.

When you have supportive beliefs about yourself, you feel peaceful, uplifted, grateful, and joyful.
When you have sabotaging beliefs, you feel discouraged, jealous, sad, angry, fearful, or ashamed.

But don’t be afraid of experiencing “negative emotions”. Notice them…acknowledge them because negative emotions are your clues to the hidden beliefs that are NOT TRUE.

P.S. Do you still live in a world of “surviving”, financially? Or feel that someone else is luckier than you?

Are you READY to step into your NEW WAY OF BEING and START THRIVING – with your money, your relationships, your work, your health?

THAT’s what I want for you…if YOU ARE READY to rock your world!

I see new POSSIBILITIES for you… New STANDARD OF LIVING… New “NORMAL”.

I offer you an AMAZING opportunity to TRANSFORM your life.

It’s called ACTIVATE EFFORTLESS WEALTH training.

If you still feel that you need to GET ready… you can stop reading right here.

If you feel READY NOW, if your heart says “YES” and you want to make sure it’s the right training for you – reply to this email and let’s chat.

To your Health, Wealth and Freedom!

You can read more about this training here:
https://activateeffortlesswealth.com/

OR sign up for a FREE Masterclass and get a SPECIAL OFFER for this training here:
http://daretochangelife.com/wealth-webinar/

Yes, it’s true that I decided to offer this powerful training to you for a fraction of its value…
BUT ONLY IF YOU ACT on this offer by the END OF THIS MONTH.

IF YOU FEEL READY to START THINKING AND LIVING WEALTHY – ACT NOW.

Missed the live mini-class on our Facebook Page? No problem! watch it here.

September 27, 2018
Essential #1 for Creating Wealth and Success
Would you agree that many people go through life and are constantly looking for keys to success, wealth, freedom, happiness….

And very few realize that they have ALL the keys in them!

I’ve observed many successful people and had a few experiences of truly remarkable successes and epic “failures” myself.

So, starting today and for the next few weeks, I’m going to share with you some powerful Principles for Creating Success and Wealth.

Essential #1 for Creating Wealth and Success:

Take full responsibility for your financial situation
- Let go of the “victim” attitude around money and wealth
If you keep feeling, thinking and saying something like “I’m not lucky”, “I’m not good with money”, “I am not meant to be wealthy”, etc. – you will be experiencing events and circumstances that are congruent with this attitude and these thought patterns.

That’s why you must let go of the victim attitude around money and wealth.

You are in victim mode when you’re justifying, blaming or complaining how unlucky you are or how hard it is; when you’re willing to be disrespected or mistreated on some level only to maintain some sense of safety or comfort; when you’re making someone (or something) your Source and experience pain and suffering as the result of this; when you feel that life is happening to you, not for you.

You are in empowered mode when you take full responsibility for your financial situation; accept where you are; acknowledge the challenges and start focusing on possible solutions – what you can do every day, every month and every year to make your life situation better.

YOU can only change what is under your control – your attitude, your choices, your focus.
- Do not make anyone or anything your Source; do not give your power away
Any time you make someone or something the Source of your success, wealth or happiness, you set yourself up for disappointment.

Because when you become cut off from your true Source – God / Universe / Divine Intelligence – you may run out of energy, feel overwhelmed, and burned out.

It makes it impossible for you to show up authentically – to be the person you were created to be, giving the gifts you were meant to give and fulfilling the greater purpose life has for you.

NOBODY is your Source. Yet everybody can be your channel…of abundance, or wisdom, or expansion, or transformation, or love….
- Make money important in your life
Taking responsibility for your financial situation involves a decision to make money important in your life.

Making money important doesn’t mean becoming attached to the symbols of wealth (e.g. expensive gadgets, designer clothes and fancy cars) and linking your personal worth to your net worth.

Making money important means appreciating the money you have right now; paying attention to your relationship with money and your money habits; having the intention of growing wealth, and becoming a savvy manager of your money.

Energy flows where attention goes. And Money is energy.
- Use the power of PERSPECTIVE
Look for lessons and gifts that could be present in your challenging experiences. Pay attention to the MEANING YOU ASSIGN to your experiences…the STORY YOU CREATE about your situation.

As Dr Wayne Dyer said “When you change the way you look at things, the things you look at will change.”

Adopt the belief that life happens FOR you, NOT TO you.

Let me know what AHAs or insights you got from this Principal #1!

Until next time… stay empowered.

To your Health, Wealth and Freedom!

P.S. And if you want to dive deeper and get access to the UNIQUE opportunity that WILL TRANSFORM YOUR LIFE, I encourage you to sign up for the

FREE Masterclass “Creating Wealth from the Inside Out“:

http://daretochangelife.com/wealth-webinar/

Missed the live mini-class on our Facebook Page? No problem! It’s right here below.
September 20, 2018