Dare to Change Life Coaching & Mentoring

Tag: rich

💰🚀 8 Key Components For Achieving Freedom And Prosperity

The other day I had a call with one of my colleagues, where we shared our life stories…

I recall telling her that when my cousin from Boston visited my villa in the South of France, she said: “That’s just for you… I could never imagine having something like that…”

Then I told to my colleague the story of how this villa came about….

… How my boyfriend, who used to fly from France every month to see me in the U.S., was stopped by the U.S. custom, put to jail on the suspicion that he was illegally working in the US, then was deported and prohibited from entering the US for many years…

… How I proposed to him (very out of character for me…)

… How I flew to France and we found a rundown house in Provence that nobody would buy because of the mold it was covered with… … … How we got lucky and bought it for the minimum amount of down payment we were able to make…

… How we started doing renovation by ourselves ‘cause we couldn’t afford contractors at the beginning…

When I finished, my colleague was so inspired and said “I have to DREAM BIGGER”!

I am sharing this with you to demonstrate that you get lucky when you act on what you want to experience in life, when you stop being “stuck” in your familiar “comfort zone” and do things that are not easy but necessary to live the life you love.

So, where are you now, in terms of money?

Are you frustrated that you work hard and make good money yet live paycheck-to-paycheck?

Constantly worry and feel anxious about not having enough money to retire?

Or not being able to save much and still paying off your consumer debt?

Have you noticed…

… how worrying about your financial future affects your health, or relationships, your work?

… how you are sick and tired of “surviving” instead of living on your terms?

Or maybe you’ve reached a plateau with your finances and want to scale up?

If that’s how you feel, I hear you!

When your mind is busy worrying about money and financial security, it’s not always easy to see and experience abundance in your life.

And as a result, your confidence might be undermined; or you are afraid to trust anyone because, possibly, you had bad experience in the past with financial advisors, or you are afraid to invest the money that you have because you’re afraid to lose it….

And from that place, it’s not easy to create an abundant free life, where the flow of money and opportunities come with ease and joy.

It is my intention that you develop Unshakable Confidence, Self-Worth, and Success Aptitude, so that you will be able to handle any challenges in your life from a higher perspective and with more optimism.

And my deepest desire is that you become Unstoppable and Capable in your pursuit of financial independence and start DREAMMING BIG.

YOU ARE A POWERFUL CREATOR, so think, feel and act like one.

As International Holistic Financial Independence Mentor and the creator of the SYSTEM for becoming Financially independent called The MILLENaire Method, I use my intuition, business and investing expertise to help women become financially independent.

I myself achieved Financial Independence within 7 years and now live my dream life – own beautiful homes in the South of France and South Florida, travel the world, and do what I want.

I have the FREEDOM of CHOICE, TIME, LOCATION, and MONEY.

I live what I teach and know that YOU CAN experience more Freedom, Joy and Abundance in YOUR life… if you choose to commit to your vision!

We often talk about Abundance Mindset… but it means different things to different people…

For me, Abundance Mindset means:

✅ Having Loving Relationship with Money (“money is my friend that has my back”

✅ Appreciating life “as is” and being eager for more (nothing wrong with wanting more…)

✅ Believing that Scarcity and Lack are mind’s illusions (because they are…)

✅ Believing that YOU ARE CONNECTED to the Infinite Source of Abundance and Unlimited Potential (because YOU are connected to The Source)

✅ Believing that YOU ARE CAPABLE and RESILIENT

✅ Knowing that YOU MANIFEST YOUR REALITY thru Intention, Attention and Conscious Thinking

✅ Living life from a place of Gratitude, Ease, and Flow

Abundance Consciousness ALWAYS precedes Manifestation – it’s a precursor to experiencing Wealth and Freedom in your life.

So, you’ve got to achieve a vibrational harmony with what you desire!

OK, without further due, let me share the…

8 Key Components For Achieving Freedom And Prosperity:

1. Clarity about your goals and desires.

2. Healthy Relationship with Money.

3. Abundance Mindset and Prosperity Consciousness (some refer to this as Inner Psychology)

4. Commitment, Unshakable Confidence, sense of Self-Worth (this component also belongs to Inner Psychology)

5. Savvy Money Management skills (Upgraded Skills)

6. Strategic Investment skills and developing YOUR unique personalized path to Financial Freedom (Upgraded skills and Strategic Investment Plan)

7. Environment and Lifestyle that support success (having supportive Environment is essential)

8. Guidance and support from a coach or a mentor, who believes in you and knows how to help you achieve your desired results. (Environment)

Now it’s the best time for you to take aligned actions and apply your knowing!

To your Health, Wealth and Freedom!

Millen Livis

P.S. Let me know what resonated with you, what triggered you, and what questions do you have for me.

August 31, 2023
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.

April 27, 2019
7 Steps to Regain Control Over Your Money: Step #7 – Be strategic with your money

You work hard for your money – whether you are an employee or a business owner – you want to make more money. Right?

Well, how about managing your money strategically so that your money works for you and your family?!

That’s what Step 7 is about – BEING STRATEGIC with your money!

Here are some aspects of being strategic:

1. Diversify your investments to maximize your results.

If you want to be a good investor you’ve got to know how to manage risk because ANY investment entails risk.

And diversification is one of the most important risk strategies.

When it comes to managing risk to maximize your return, it pays to diversify.

First, you can diversify among the four major asset classes: cash, stocks, bonds and real estate.

Once you decide on the amounts to allocate to these four main investment classes, it is important to diversify within each asset.

This means buying multiple stocks within a variety of industries, holding bonds of varying maturities, having different real estate properties in different locations.

In other words, don’t put all your golden eggs in one basket.

Also, don’t make the mistake of putting most or all of your money in “safe” investments like savings accounts, CDs and money market funds.

Over the long term, inflation and taxes will “eat up” the purchasing power of your money in these “safe investments”.

All investments involve some trade-off between risk and return.

Diversification reduces unnecessary risk by spreading your money among a variety of investments.

Besides diversification, the single most effective investment strategy is to invest continuously over time, with a long-term perspective.

2. Grow your money by taking advantage Of tax-deferred Investments.

If your employer has a tax-deferred investment plan like a 401(k) or 403(b), use it!

Often, employers will match your investment.

And even if they don’t, no taxes are due on your contributions or earnings until you retire and begin withdrawing the funds.

Tax-deferred savings mean that your investments can grow much faster than they would otherwise.

The same logic applies to IRAs, although the maximum amount you can invest annually in an IRA is substantially less than what you can put in a 401(k) or 403(b).

3. Use the protection provided by insurance

It’s wise to protect yourself, your family and your money by having an adequate insurance coverage.

A major lawsuit, unexpected illness or accident can be financially devastating if you lack proper insurance.

The key to insurance is to cover only financial losses so large that you could not cope with them and remain financially fit.

If someone is dependent on your income, you must have adequate life insurance.

Long-term disability coverage is important as long as you need employment income.

Also, be sure to carry adequate liability coverage on your home and auto policies.

To save on annual premiums, you may choose to raise your insurance deductible.

And whenever you purchase insurance – life, home, disability, or auto – be sure to shop around, and buy only from a reputable firm that has a history of being solvent and paying insurance claims.

4. Plan your financial legacy

You want to have a will to ensure that your funds, property and personal items will be distributed according to your wishes.

A will is a legal document that ensures that your assets will be given to family members or other beneficiaries you choose.

Having a will is especially important if you have young children because it gives you the opportunity to assign a guardian for them in the event of your death.

Although wills are simple to create, about half of all Americans die without a will.

With no will to indicate your wishes, the court steps in and distributes your funds and property according to the laws of your state.

To prepare a will, take an inventory of your assets, outline your objectives and determine to which friends and family you wish to pass your possessions to.

Then, when drafting a will, be sure to include a name of a guardian for your children, name of an executor, and an alternate beneficiary.

Once your will is drafted, you won’t have to think about it again unless your wishes or your financial situation change substantially.

And that’s a wrap for the mini-class series “7 Steps to Regain Control Over Your Money.”

Share your insights and questions in the comments!

To your Health, Wealth and Freedom

P.S. Join me for a game-changing training – Financial Freedom Game Plan Masterclass. No credit card required! Reserve your spot HERE:

http://daretochangelife.com/financial-freedom-gameplan/

April 13, 2019
7 Steps to Regain Control Over Your Money: Step #6 – Shop Smart

Women shop differently than men. In general, women tend to love shopping and many see it as an entertaining activity. They are more likely to make impulsive purchases and often take advantage of special offers.

Men mostly buy just what they need right now – they go with a clear idea of what they are looking for and try to spend as little time as possible.

Can you relate?

In order to spend less and save more, especially as a woman, you’ve got to become a savvy shopper. It’s not difficult. And the tips that I’m going to share with you here will help you buy what you need, spend less and save more. That’s what I call smart shopping.

You can save substantial amounts of cash when you become intentional shopper as opposed to emotional shopper.

Ready?

Here are EIGHT TIPS for SAVVY SHOPPING:

1. Plan your purchases in advance

Plan your purchase. Pause and get really clear about: Why do you need it? Where will you put it? What will you use it for? Who will use it?

If you don’t have compelling answers to these questions you will realize that you don’t really need to buy it at this time.

If you feel strong about your decision to buy the item, plan the day to go shopping and enjoy the fact that you made an intentional decision to buy it, not an impulsive one.

2. Have a budget for your purchase

Have an approximate amount that you intend to spend on this purchase. This will help you be intentional about the amount you’re willing to pay and not get carried away with whatever price you see on the label.

Does it require some financial discipline? Yes. And it’s a good habit to have if you want to be a Wealth Builder instead of Wealth Consumer.

3. Pay in full (cash or debit card)

When you are in a store and you see something that you really want or need, it’s easy to pull out a credit card and pay whatever the price may be.

However, if you are using cash or a debit card to purchase the item, you’ll have more awareness about the price that you’re about to pay because your amount is limited by the cash in your wallet or by the amount in your bank account.

4. Buy older iterations of products

Retail price of the latest version of a product is always higher than the previous years’ model, whether it’s a phone, a TV or a car.While the newer version may have more features, you’re paying a premium price for these new features if you buy the product on release-day.

The same model will be priced significantly lower in just a year or two, so waiting a little longer can be quite lucrative. You may save hundreds or even thousands when you weigh the benefits of saving money on buying a good, but not the latest model of the product.

5. Shop for clothing during the end-season

You like to look like a “million bucks”? Great! And it doesn’t have to cost you that much! You can find significant markdowns on clothing prices—50% or more—during the end of the season for clothes.

Retailers cut prices to get rid of things that are going out of season. It may worth your money to wait a few months to buy clothes you like at prices your wallet will love!

6. Don’t be fooled by marketing

Stores are designed to entice you to spend money. Their strategies are subtle and effective.

Most use different lighting effects, colors, music, and items displayed in a certain way to entice you into buying more than you intended to when you came to the store. The same applies to online shopping – additional items are suggested to you when you buy anything.

Don’t fall for any of it. Be clear about what you came to the store to buy so you won’t get dazzled into overspending or buying something you didn’t plan for.

Buy quality items that are offered at discounted price but only if you need and want them, not simply because of the decreased price.

Finally, remember that sales people are trained to make you buy! It’s a good idea to ask questions about products, but don’t let them persuade you into buying it there and then. Take your time to make measured decisions.

7. Negotiate

Very few people realize that you can negotiate many products’ prices with a seller!

Let’s say, you have decided on an item you want. You have found the best price, you chose your timing right, and you are ready to pay for it.

But wait! Always ask for “the best possible price” wherever you are or whatever you are buying. What is the worst that can happen?

Sometimes when the seller cannot offer any additional discount on the product, you may get a discount on a service or another item that you need to buy too! Negotiation is a great skill that you can develop and practice when you shop!

8. Be mindful of timing when you travel

Prices on hotels, vacation rentals, airfare, and even rental cars are often much higher during certain days of the week, school and college breaks, and national holidays.

The travel industry knows that most people like to leave for vacation on Fridays and come back on Sundays. That’s why these days the prices on airfare, vacation rentals and hotels are higher.

Be smart and adjust your travel timeline so that you get a better deal. Shop around for plane tickets to fly out on Tuesday, Wednesday, Thursday, or Saturday to take advantage of lower prices.

Also, the plane tickets usually cost less when bought in advance – plan your air travel in advance. Do price comparison for your favorite travel destinations to reduce your travel expenses further.

The Bottom Line: From shopping for groceries to shopping for a weekend getaway, spending money is a “side effect” of shopping (Get savvy about it!

Next time you’re browsing in a store or online, think about these 8 tips to be a savvy shopper.

To your Health, Wealth and Freedom!

P.S. Have you registered yet for my brand new training – Unpack Your Debt?

This is a 5-day LIVE bootcamp where I’ll share the TRUTH about DEBT and show you the WAY OUT.

You can access this LIVE training FREE if you register before February 25th! Click HERE to Register NOW

February 28, 2019
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
What Really Matters in Life and How to Write Your Dreams into Existence
I am fortunate to live very close to the ocean and a small lake. As part of my daily self-care routine, I love taking walks on the beach or around the lake every morning.

These walks have become my walking meditation practice.

I like to pay attention to and appreciate simple things: birds having a tribe gathering, children playing in the sand, people jogging and walking, and seeing footprints get washed away by the rhythmic movements of the ocean waves.

During one of my walks, my mind zoomed in on the washed footprints on the sand, and I thought: That is a symbolic image of our lives.

We, too, leave a footprint as a proof of our existence on the physical plane. Then one day our “footprint” will be erased in an instant and we’ll return back to our Divine Source.

Suddenly, the brevity of our existence struck my awareness.

I realized that all the worries and struggles, fears and pains, physical possessions, and material achievements that we identify with are not our identity but simply passing experiences along our journey.

Then what remains?

What is lasting?

Love, grace, kindness, and joyful memories you share with others are the legacy that you can leave behind one day.

If you are like me – ambitious and constantly driven by new and exciting ideas and projects – you are motivated by the desire to authentically serve others with your talents and skills.

In my case, this passion and drive helped me achieve freedom and independence, and I am infinitely grateful for my life.

Yet I often push myself and multitask to the point of exhaustion.

I get caught up in busyness, which is a self-created illusion, and overlook the real priorities.

In the instant that I was watching the footprints get washed away, however, I felt that I truly want to refocus on what really matters in life, especially in the midst of busyness.

I want to focus on what makes me feel good: love, joy, grace, deep connections, and inner peace. And from THAT place, I will create my training masterpieces and make a bigger impact in the world.

Today I want to share with you a fun exercise I like to do to plan an extraordinary year and invite you to try it too.

Create a list of
1. Your wins – all the successful outcomes or efforts, whether tangible or immaterial. This will help you focus on your successes and expand on them.
2. Your pains – habits, beliefs, people and experiences that I want to leave behind. Create this list, then burn it as a symbol of releasing this energy from your life.
3. Your lessons – feedback, experiences, people and beliefs that I want to expand and bring over to the next year. We tend to repeat the lessons that we haven’t learned. Awareness of these lessons will help you get to desired goals faster.
4. Your goals – what do you want to FEEL and EXPERIENCE, CREATE, GIVE and RECEIVE. Clarity about your desires will help your subconscious to zoom in on your goals and manifest them.
Take some time for yourself and write your dreams into existence!

Have a magical New Year!

Until then… STAY IN YOUR POWER!

Millen

P.S. To start pre-paving your way to Wealth and Financial Freedom, make sure to download your FREE Wealth Planner HERE
December 28, 2018