Dare to Change Life Coaching & Mentoring

Tag: Money

7 Steps to Regain Control Over Your Money: Step #3 – Pay off your debt

Do you or someone you know is dealing with a mountain of debt?

Paying off your Debt is Key #3 to regain control over your money!

Here’s the NAKED TRUTH:

You either MASTER your Money OR get MASTERED by MONEY.

When you accumulate Consumer DEBT, YOU get MASTERED BY MONEY!

It’s that simple.

For many people, debt becomes an addiction. Just like with drugs, getting into debt is as easy as popping a pill. And getting out of debt is just as difficult as getting rid of a drug addiction.

Consumer Debt is a form of financial addiction.

It’s the way banks and credit card companies make profit by charging you insane interest rates and getting the compound interest.

Did you know there were no credit cards until 1946 and as late as 1970 only 15% of Americans had one?

Today credit card companies send out billions of new offers each year!

The debt addiction enslaved millions of people to their lender.

Whether it’s a credit card, car loan, student loan or even a mortgage – debt has gotten out of hand for millions and millions of people!

Consumer Debt is a poison for your financial success.

You can’t leap ahead because it’s constantly chasing you down.

Consumer Debt is a poison in your personal life. It breaks you down, destroys you dreams, destroys your health, decimates your family, and leaves you broke.

It truly causes havoc in your life.

And even if you don’t have a mountain of debt right now, I want you to realize the enormity of debt addiction in people of all walks of life.

You must be wide awake if one day you face a dilemma about using Credit cards or other consumer loans to pay for something you want but don’t have money in the bank to pay for… AT THIS MOMENT.

All debt is NOT created equal.

Wise Debut and Unwise Debt

I divide debt into 2 categories: WISE Debt and UNWISE Debt.

WISE Debt: borrowing to invest in APPRECIATING asset.

Wise Debt is often referred to as Financial Leverage.

UNWISE Debt: Borrowing for Depreciating Items

Unwise Debt is also known as Consumer Debt.

The Bottom line: ANY DEBT = RISK.

In most occasions Consumer Debt is unnecessary and often dangerous.

It’s unnecessary because there are usually gradual and less expensive ways to get what you want.

It is dangerous because it often becomes a downward spiral, a ‘catch 22’ that ruins your health, your relationships and your overall wellbeing.

And here you have the key #3 to regain control over your money.

To your Health, Wealth and Freedom!

If you want more resources on various financial topics, sign up for my YouTube channel Millen Livis Channel Wealth

And for additional support, I invite you to join my Wealth Building for Powerful Women Facebook group.

February 3, 2019
7 Steps to Regain Control Over Your Money: Step #2 – Have Clarity and Purpose for Your Money, Know Your Priorities and Values

CLARITY is priceless whether you consider your authentic career 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! But your money management aptitude is also very important and requires clarity and purpose as well!

From my many observations, managing money tends to be easier when you have a certain PURPOSE in mind: Saving for your first house or a car, becoming financially independent or retiring at a certain age, a child’s college education or your own financial education training, a trip to Europe or even attending a concert of your favorite band!

The important thing is to be clear, specific and inspired by the purpose.

You are a spiritual being and succeeding at the Money Game is part of your physical experience. Like with everything else, you may go through rough times and good times with your finances.

Having the skills to help you navigate through the stormy 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!

Becoming an effective money manager of your own money is a skillset that you can attain!

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?

These are questions you may ponder on…

Effective money management is a skill that you can learn like any other. Although it’s not rocket science, it requires discipline and a responsible attitude.

If you want to change your money habits, you need to replace them with better ones and practice them consistently. That’s why I like the notion of organizing your money according to its PURPOSE.

And there are other factors you may want to include when you’re organizing your money – your VALUES and PRIORITIES.

For example, if your core value is to have more choices and freedom AND you want to become financially free even before your retirement age, you would prioritize saving and investing vs having a new car every couple of years, or spending thousands on yearly exotic vacations and designer clothes.

Knowing your values and priorities will help you make better financial decisions.

To develop a sound financial plan, it’s helpful to have your financial goals aligned with your values AND have a time frame and a dollar amount.

For example, if you want to become financially independent by a certain time, it’s very helpful to know what monthly amount will cover all your potential financial needs. I call it your “Financial Freedom Number” that my clients calculate during my “Become Financially Savvy” training.

Once you have listed and quantified your financial goals, you need to prioritize them. You may find, for example, that saving for a new home is more important than buying a new car.

Whatever your objectives may be, be clear and specific about purpose for your money.

Figure out how many weeks or months there are between now and when you want to reach your financial objective. Divide the estimated investment required by the number of weeks or months. That’s how much you’ll need to save each week or month to have enough money set aside.

Remember, a goal is a dream with a deadline.

To Your Health, Wealth and Freedom!

P.S. If you are dissatisfied with your current financial situation, feel that you are not where you’d like to be, financially, at this phase in your life, and want to experience more ease and peace of mind about your financial future, come to the wealth retreat I offer in June in the South of France.

CLICK HERE to get specific information about this 4-day private Wealth Retreat

January 25, 2019
How to Become Financially Independent: 4 Essentials of the Wealth Pathway
“How did you become financially independent?”

“How much money you had when you started?”

“How much time did it take you to build the income needed for being financially free?”

“How can I become financially free?”

These are good questions that I hear from people who know me enough to ask them.

And I totally understand the desire to know HOW… While money is not everything and it cannot buy you happiness, it helps to enjoy life, right? LOL

In this articles I want to cover the HOW questions. But first, let ME ask you a few questions…

…do you feel like you have to work hard for your money for the rest of your life?

…do you worry that you don’t do enough for your financial future?

…does the idea of becoming financially Independent seem like farfetched to you?

If you’ve answered YES to ANY of my questions – keep reading. Otherwise, stop and go for a walk, or make love, or dance, or whatever. LOL

Are you still here? Then let’s dive into the 4 Essentials of the Pathway to Wealth.

If you’ve read my books, or heard me speaking and teaching, you know that I always emphasize the Duality of Money and Wealth.

Since EVERYTHING IS ENERGY, so IS MONEY.

Money and Wealth have a certain energy vibration Frequency that YOU CAN ALIGN WITH.

When it happens, you FEEL BLISSFUL and BLESSED, PEACEFUL and LOVED. NATURALLY.

And you can literally rewire your brain to align with the frequency of wealth by training yourself using particular rituals and developing certain habits and attitudes. You can find this information in a few other articles here and here.

However, the information is not enough. You’ve got to apply it.

You’ve got to TRAIN YOUR MIND to ALLOW, to RECEIVE with EASE, to BE in the Frequency of Wealth naturally and continuously.

YES, your energy ALIGNMENT is super important. However, we also live in a physical, real world. And in the real world, you’ve got to know the tactical/practical aspects of creating wealth.

Just like when you travel and want to get from point A to point B, you likely want to have a map to your destination (or use your GPS), unless you know the terrain already. Would you agree?

I distilled the intricacies of the PATHWAY to WEALTH into 4 essential elements. Let’s briefly go over them.

4 Essentials of the Wealth Pathway
1. MAKE MONEY. You’ve got to offer VALUE. You’ve got to GIVE in order to GAIN. Your own alignment with higher energy vibration is very important here because it helps you become magnetic to your clients, prospective clients, hiring managers, etc.
Sources of income could be:
- Job
- Business
- Other sources of income
1. KEEP MONEY. You’ve got to control your in-coming and out-coming cash flow and keep some of your money so you can grow it. You have at least 3 levers to control your cash flow:
- Income
- Budget (or a certain pattern of Spending);
- Debt
1. GROW MONEY. Develop a strategic plan for growing your money. You can use LEVERAGE to grow your money by:
- Investing in the Stock Market
- Investing in Real Estate
- Investing in Private businesses
- Buying a franchise business
- Building your own business
- Other
1. MAKE MONEY WORK FOR YOU. You can design your Financial Independence by having multiple sources of passive income. That’s the financial setup when your money starts working for you. It’s not a question of IF but rather WHEN if you incorporate all the other essential elements.
ALL 4 essentials of the Wealth Pathway are very intertwine. You’ve got to attend to all of them in order to experience true Financial Freedom.

I hope that this simplified breakdown of the essential elements helps you see more clear how YOU too can get to Wealth and Financial Independence.

However, there is a catch here.

EVERYBODY WANTS TO HAVE WEALTH and FREEDOM BUT FEW ARE WILLING TO TRAIN TO HAVE IT.

If YOU are one of those few, let me share with you a MAP of TRAINING OPPORTUNITIES that cover one or several Wealth Pathway essentials.

These trainings are the VEHICLES designed to help you get to your desired destination faster and easier, with less setbacks and detours, and more fun.
1. VEHICLE 1: ACTIVATE EFFORTLESS WEALTH – 10-week online group mentoring program: you’ll to train your mind to ALLOW Wealth and to RECEIVE it with ease; you’ll change your relationship with money once and for all and you’ll release and heal old money (energy) blocks. This programs is valuable for your ESSENTIAL #1 – MAKE MONEY.
1. VEHICLE 2: YOUR POWER TO PROSPER – 3-day PRIVATE LIVE event: You’ll learn and practice the elements of the energetic framework for CREATING WEALTH. The private setting and a sanctuary environment is perfect for practicing Alignment and activating your inner Power to Prosper. This training is valuable for your ESSENTIAL #1 – MAKE MONEY.
1. VEHICLE 3: LASTING WEALTH ACADEMY – 4-month Wealth Building personal group mentoring training: You’ll uplevel your Wealth Mindset alignment, learn and practice Intentional Money Management (and calculate your Financial Freedom Number), then learn and apply strategic investing guidelines (e.g. the stock market and real estate investing), then…. Well, there is much more there. This program is valuable for your ESSENTIALS #2, #3, and #4.
So, now you’ve got the PATHWAY, the MAP and the VEHICLES to get to your desired DREAM LIFE and FREEDOM faster and easier.

And since YOU ARE the CEO of your life, you’ve got to DECIDE what is REALLY important to you and what is your COST OF WAITING to start your journey to FREEDOM and WEALTH.

To your Health, Wealth and Freedom!

Millen

P.S. This is the stuff I wish I had when I first started on my journey to Wealth and Freedom. Now I’m offering it to you. Frankly, I don’f know if it’s valuable to you or not… there are a lot of variables here. However, if you’re truly ready to step out of your old story and are committed to your goals – I am open to have a CONVERSATION and see if there is a fit.

Here’s the video I recorded about the 4 Essentials of the Wealth Pathway
July 18, 2018
3 Myths About Financial Success
MYTH #3: HIGH EXPECTATIONS

“This was such a stupid decision to leave your marriage… he is a good man and a provider…”

“By this phase in your life, you should have had a large house with a swimming pool, a luxury car and a large bank account… instead you are divorced, live in a crappy apartment and don’t have a steady job!”

“You live like a student and you’re in your forties… yet you have great education and tons of experience… What’s wrong with you?!”

“By now your business should make tons of money… Maybe it’s not meant to be….”

These are the comments I’ve heard from friends and family members over the years.

I didn’t live up to their expectations…and, frankly, to my own…

The expectations for myself – my personal life, financial success and business success – were adding more pressure and made me feel like a loser. Someone who wasted time and opportunities. Someone who had a high potential and failed.

A few years forward: I remarried, developed a successful investment company, became financially independent and have a freedom to live where I want and do what I love….

Expectations => Attachments

I had to learn to surrender…find security in the wisdom of uncertainty… set my intentions and let go of any attachments to the desired outcome…“stay in my lane” and not compare my life with others….

And it’s NOT a “one day” decision. It’s an on-going process…of letting go… exhaling expectations and attachments to the outcome… and appreciating the present moment…acting in spite of doubts and fears…having faith.

Look at nature…Different animals have different gestation period for carrying a baby. Different fruit trees have a completely different cycle of blossom. Nature doesn’t have “expectations”. It has its rhythm and intrinsic wisdom.

If you set your intentions and manage to detach yourself from the ego-driven expectations for your financial success (while taking consistent actions and moving in the direction of your vision even if your beliefs are lagging) – you’ll allow the abundance to flow to, through and from you. Un-abstractedly. Easily.

MYTH #2: HARD WORK

“I found my purpose… I work hard. Even when I struggle – with my health or money – I push through.”

“I give my business all my energy, money and my time. I push through, I sacrifice EVERYTHING to live my vision, my purpose!”

It sounds good, right?

WRONG!

You emit energy that is either attractive or repelling.
- When you’re in the “I work hard, damn it, I sacrifice my life” or “I need clients so badly” mental state – you are either in an energetic state of resentment or desperation.
- When you chase after clients, you emit energy of neediness and exhaustion. It’s heavy. It’s not attractive. It’s not the energy people want to be around.
- When you find JOY and FUN in your work and create from that place…
- When you ALLOW yourself to be more playful, more at ease…
- When you let your body rest and recharge if needed…
- When you spend time in nature…meditate…experience whatever brings you sense of peace and joy…
- When you take the time to “water your own garden”…
You SHINE AS YOU and THAT is your ultimate purpose.

Yes, in order to realize your vision and create wealth, you must put out consistent efforts, day after day.

However, living your purpose DOES NOT REQUIRE SACRIFICE.

STRUGGLE (aka HARD WORK) IS NOT a PREREQUISITE for SUCCESS.

Do you know that the Universe has unlimited organizing power?!

When you release energetic blocks and your body and mind are aligned with Abundance Consciousness, right opportunities and right people show up in your life… naturally and effortlessly.

It’s a shift in the Way of Your Being. It’s a state of consciousness that attracts opportunities, money and happiness with effortless ease.

Your high vibration energy is a true magnet of success, including financial success.

MYTH #1: FINANCIAL SECURITY

When I want something, I like to ask myself “What would need to happen so I have this?”

So, my question to you today: “What would need to happen in your life so you’d feel financially secure?”

Here’re some answers I heard from people:
- “If I were making 6 figure salary, I would feel much more secure.”
- “I will feel truly secure once I have $200,000 on my bank account.”
- “Once my business will make 5-figure monthly, I’ll feel financially secure.”
- “When my husband will find a job, I’ll feel so much more secure.”
- “If I were married, I’d feel more financially secure.”
All of these desires seem to be very valid sources of financial security…. Yet many people who make 6 figure salary, or have $200K on their bank account, or finally made 5-figure per month in their business, or have a partner who has a job…still feel insecure. Hell, many millionaires (“the stars”) feel financially insecure…

WHY??!!

The paradox is that SECURITY YOU’RE SEEKING LIES WITHIN.

Here’s the evolution of your sense of security.

When you were born, while a defenseless baby, you felt secure.

Then at school or/and in your family, you were conditioned into conformity. You were compared to others…. Your unique qualities, talents and abilities were ignored or not appreciated. Your light was dimmed.

And you so desperately wanted to be loved and acknowledged – by your parents, your teachers, your friends – that you started losing your uniqueness while trying to conform and to fit in.

When we are shamed into conformity, we often feel confused, discouraged and “not worthy”….

That’s when we start feeling insecurities and anguish; become self-critical and judgmental. That’s when we start feeling “not enough” – “not enough” to be loved, “not enough” to be successful, “not enough” to be wealthy.

Self-criticism and self-sabotage get in the way of everything, including financial success. They destroy moneymaking abilities. They cause money dis-ease.

Can you respect and love yourself in spite of personal adversities and mistakes you’ve made? In spite of your stupid choices, bad decisions and current financial struggles??

CAN YOU?

Because COMING TO LOVE IS YOUR ULTIMATE LIFE JOURNEY.

YOU ARE WHAT YOU ARE.

No need to act with an intention “to please others”, or to explain yourself, or to convince them that you’re worthy.

LOVE YOURSELF JUST THE WAY YOU ARE – PERFECTLY IMPERFECT.

SELF-LOVE will boost your confidence (and when you’re confident, you focus on solutions, not problems).

HIGHER CONFIDENCE will boost your energy.

HIGHER ENERGY will boost your security.

MONEY FLOWS TO SECURITY and AWAY FROM INSECURITY.

BY FEELING MORE SECURE, YOU WILL PROSPER!

If you believe that the state of your consciousness holds the key to your life experiences and want to finally EXPERIENCE FINANCIAL SECURITY, you’d love my 10-week Activate Effortless Wealth online personal group mentoring program.

Find more details HERE.

To Your Health, Wealth and Freedom!

Millen

P.S. contact me if you have questions about the Activate Effortless Wealth training
June 27, 2018
What Is Your Worth? Hint: It’s Not What You Think!
“The more you’re like yourself, the less you are like anyone else, which makes you unique.”
~ Walt Disney

“I am not where I supposed to be in this stage of my life.”

“I appreciate the great money I make but I feel I could do and have more.”

“If I only had a thriving business, I would be happy. I don’t feel that I live my full potential.”

In my experience as a wealth coach and financial freedom mentor, I have yet to meet a single woman who was truly deeply connected to the intrinsic magic that she possesses.

I am referring to the true magic of YOU that is so much more than your appearance, your business success or the size of your bank/brokerage account.

I am referring to the magic of YOU that you were so highly aware of when you were a little kid.

Remember those glorious days when everything was possible; when you were happy by just being YOU?

Remember the time when you didn’t try to prove your worth or impress anybody? When you didn’t compare yourself?

Do you remember those days when your heart was filled with enthusiasm for life and curiosity about ‘what else is possible’?

Would you agree that you were more connected to the REAL YOU when you were a child than you are now?

Although your physical body has changed significantly, the true essence of you as pure consciousness, as spiritual being, hasn’t changed!

That’s why when you see your picture when you were 3 or 5 years old, you can easily recognize yourself although there is not a single cell that is present in your body now was present than…

“How does all this relate to money and wealth?’ you may ask.

Good Question!

If you want to achieve success in life, you must shift your perception of yourself as limited, unlucky or any other judgmental label you may have assigned to yourself.

Money is energy and it likes to ‘hangout’ with those who emit true enthusiasm for life and live in the question “What else is possible?”

So many people live their lives by subconsciously counting their ‘successes and failures’, their ‘right and wrong decisions’, their ‘luck and misfortunes’.

What if you shifted your perspective of yourself and stopped trying to ‘prove your value’?

What if you released your judgements of yourself whatever they may be – successful, unlucky, looser, achiever – and instead truly connected to the AWARENESS of YOUR INTRINSIC VALUE?

I realize that these suggestions may sound esoteric or even radical for some of you… After all, it’s part of our culture to strive for bigger and better, for glamour and fame, right?

It is also likely that your parents had good intentions while planting the seeds of judgement in your mind by saying things like “You could do much better.”

Ask yourself, does it make YOU happier to be in a perpetual ‘proving your worth’ state of mind?

Does it make YOU more joyful, more loving and more connected to God?

It has been my personal experience and observation of other people’s struggles that looking for your value and trying to prove your worth or your specialness lead to comparisons, endless competitiveness and, ultimately, inner unhappiness or turmoil.

Rather than BEING AWARE and OWNING THE INTRINSIC VALUE OF YOU, you’re trying to prove your value and your worth. By the way, when I say you, I include myself in this category, as I too had been in this subtle mental trap for a long time.

Today I invite you to entertain the following questions
- What would it be like if you stopped judging yourself and trying to prove your value and instead recognized your inherited worthiness?
- How much happier will you feel?
- How much freer will you be?
I find true Self-awareness to be so important for life satisfaction and wealth building that I incorporate these concepts of ‘winning the inner game’ into my wealth building training as essential elements for living a prosperous, happy and healthy.

To your Health, Wealth and freedom!

Millen

P.S. Download your FREE Wealth Planner HERE
May 10, 2018
Looking For a Shortcut to Success? Here Is What I Discovered!

“Perhaps the oldest working truth of self-discovery is that the only way out is through. That we are returned repeatedly to the same circumstance is not always a sign of avoidance, but can mean our work around a certain issue is not done.” ~ Mark Nepo

Would you like to get a shortcut, a straight line to success and happiness in life?

Wouldn’t it be nice to just get such secret remedy and skip all the pain, doubts, struggles and learning curves?

It would be, right?

Unfortunately, there is no such secret remedy. Life is about growth and expansion and most of your growth as a spiritual being occurs when you experience challenges, uncover your true priorities and values, and discover the most important relationship in your life – relationship with your SELF.

I know so many amazingly talented, intelligent and really wonderful people – men and women – who, at some point in their lives, felt lost, confused and experienced what I call a Divine crisis.

It’s an interesting phenomenon when suddenly your heart, body, mind and soul get completely out of sync.

Somehow the harmony that you experienced as a child, when everything felt exciting and possible, fades away and your body, heart, mind and spirit create a cacophony effect that you may experience as a painful struggle, self-judgement, uncertainty, and loss of direction.

I experienced this effect in my own life and witnessed it in people of different age groups from all walks of life. Many of them appeared to be quite successful and had no apparent reason to experience such crisis.

Sadly, when you go through the Divine crisis, it doesn’t really matter that you have people who love and support you, that you are smart and accomplished, that you have so many things to be grateful for.

It feels like some unknown strong forces create havoc in your inner world and all the repressed emotions, self-doubts, judgements, and fears suddenly come together in a perfect storm with you in the middle of it.

For some women I know such experience coincided with (or was triggered by?) a breakdown of important relationships, loss of loved ones, or dealing with cancer. Others experienced such Divine crisis after losing a job, going through financial ruins or feeling stuck in their current career. Yet others didn’t have any apparent triggers, it simply happened…

So what’s underneath of it? Why are you subjected to such experience?

I have come to believe that we are destined to live more authentically – either by erosion of external circumstances or by inner discomfort.

Most of us are so achievement-driven and unconsciously competitive that the illusion of external success and happiness becomes the driving force.

This force ultimately leads us to doing more, having more and not giving enough space for being more. Yes, we chase after things that we believe can ‘complete us’ while missing out on simple miracles that surround us and are part of our everyday life – music, flowers, children’s laugh, sunrises and sunsets…

I am writing this as someone who herself experienced such Divine crisis. My friends and loved ones couldn’t understand fully what was ‘wrong’ with me – I was young, smart, healthy and successful (in modern cultural terms).

Yet inside I felt unease, confusion and guilt. I couldn’t understand why I was experiencing these emotions, why I felt so lost after so many achievements.

My body, heart, mind and spirit were out of harmony and no external forces were able to ‘fix me’ – I needed to go through the motion of unfolding my way to authentic living.

I’ve realized that there is no ‘success formula’ I could apply to shorten this unfolding – I had to learn how to SURRENDER TO MY TRUTH.

I had to allow myself to experience the deeper side of me, to FEEL the sadness, disappointments, losses, and doubts. I had to allow fear of uncertainty to burn itself out and just to stay open to all my experiences.

During this time I, a notorious multi-tasker, had to take time off and get still to heal from inside.

It was a truly humbling experience… It made me more compassionate toward myself and others, more aware of my inner power, and more appreciative of the inherent joy of simple things in life.

If you go through the Divine crisis that resembles anything like I described here, I invite you to allow yourself time and space to go through its motion without rushing, or pushing, or judging. Make time to get still, scan your body and determine where exactly you experience your deeply covered emotions.

Bring these emotions to your awareness. Don’t suppress your feelings, experience them without trying to label, judge or change them.

Finally, when you feel ready, send grace and unconditional love to the area of your body that stores these feelings. Keep going through this self-healing process as long as you need to.

You may be called to go through this experience longer than you’d like to…

It may take a while, it may not happen as rapidly as you would want it to pass.

Don’t get discouraged – you will get to the point where your perspective will shift to a softer, more loving and resilient outlook and you will again experience the inner harmony and joy of living and creating.

The experience of Divine crisis made me realize that our most challenging and painful experiences become our best credentials for helping others.

Yes, I know that my business acumen, investing experience and degrees in physics and business administration are important credentials.

Yet it is my experience of Divine crisis that felt like a deadly roller coaster the first time, made me more compassionate, loving and humble.

It also helped me realize my purpose – helping entrepreneurial women release their inner blocks, manage money effectively and invest strategically so that they too develop their unique pathway to Freedom!

To Your Health Wealth and Freedom!

Millen

p.s. Download your FREE Wealth Planner HERE

April 25, 2018