Dare to Change Life Coaching & Mentoring

Tag: wealth mindset

💪4 STAGES OF FINANCIAL FITNESS SPIRAL

When it comes to financial success, common people like you and I, who were not born into wealth and didn’t marry a wealthy partner, experience 4 stages of financial fitness.

In this article I want to share these 4 stages with you, so that you get clarity about your current financial fitness and the one you’re aspired to achieve.

💰4 Stages of Financial Fitness Spiral

1️⃣ “Not Enough”: This is the stage when I < E (Income is less than Expenses)

Typical characteristics of this stage:

• People spend more on their lifestyle than they earn, whether they have a job or a business, and whether they are high-income earners or low-income earners

• Have high-interest consumer debt is often used to make ends meet

• There are No Savings• People need to work for their money

• People spend everything that they earn to cover their lifestyle

• High- and Low-interest Debt is often used to maintain a desired lifestyle

• There are usually No Savings

• People need to work for their money

3️⃣ “More than Enough”: This is the stage when I > E (Income is more than Expenses)

Typical characteristics of this stage:

• People spend less on their lifestyle that they earn

• Low-interest Debt is occasionally used to maintain the desired lifestyle

• There are often multiple sources of income established (active and passive)

• There are usually Savings and Investments

• Philanthropy is fairly common• People need to work for their money

4️⃣ “Financial Independence/Freedom/Affluence”:‼This is the stage when I > E (Income is more than Expenses)

Typical characteristics of this stage:

• People spend less on their lifestyle than they earn

• There is No High-interest Debt or Low-interest Debt; credit cards are paid off monthly

• There are multiple sources of passive income established

• There are significant amounts of Savings and Investments

• Philanthropy becomes part of lifestyle

• People don’t need to work for their money

What stage of Financial Fitness do you think you are at? (no need to share it in the comments unless you want to.😂)

By the way, it’s not uncommon to see “Financial Fitness Spiral” jumpers – people who jump as oppose to evolve from one stage of financial fitness to another.

Yes, people can ‘jump’ in both directions of financial fitness range – from lower financial fitness stages to higher and back!

🛑💰Yes, it’s not always the upward spiral; the regression back to the lower financial fitness level is not uncommon.

Also, if you’re one of those people who are tired of living with constant stress caused by money worries and are aspired to upgrade your level of financial fitness, I want to GIFT you my new powerful Masterclass – 🎯💰From Worrying To Winning the Money Game.

Not only you’ll uncover potential problems that might be causing your money problems, but you’ll also discover how to fix them and how to develop winning money strategies, not just another failed budget!

✅BTW, your journey to financial freedom starts with absolute CLARITY about your current financial situation, which requires fearless and honest look at EVERYTHING, whether it’s scary, boring, embarrassing, or simply unpleasant.😉

So, acknowledging your current level of financial fitness is important.However, it’s just the first step.

✅The next best step would be strategically map your money flow based on the level of financial fitness you’re aspired to achieve next.

✅And when you join my upcoming 🎯💰FROM WORRYING TO WINNING the Money Game Masterclass, you’ll also discover the Money Mapping protocol that I share only with my clients!

Millen Livis 💕

P.S. 🔥Put “ME” in the comment if you still don’t know how to reserve your spot for this NO COST TO YOU Masterclass!😉🔥

October 26, 2023
How to Cultivate the Power of Clear Thinking to Unleash Your Financial Success

In a world filled with constant financial choices (a.k.a. “shiny objects”), promising opportunities to satisfy our desires, and very little programming for self-discipline, developing clarity of thinking has become more crucial than ever before.

So, let’s start with exploring why clarity is essential for financial wellbeing, how it shapes your financial decisions, and how to cultivate this empowering skill.

PART 1: Significance of Clarity around your Money

Clarity of thinking is the bedrock for building a solid foundation for your financial success.

It allows you to gain a crystal-clear vision of your financial goals and develop a realistic path to reach them.

Without clarity and common sense, you may stumble through life, struggle with living paycheck-to-paycheck, and worry about your financial future even though you make good money!

One of my beautiful and smart clients, let’s call her Sarah, struggled with living paycheck-to-paycheck and constant money worries for years.

She felt overwhelmed by snowballing debt that she and her husband accumulated after unfortunate circumstance, and was unable to make sound financial decisions, which led to jeopardizing her relationship and health (she develop several stress-related health conditions).

It wasn’t until Sarah took the time to gain clarity about her financial goals and priorities that she was able to turn her situation around.

With newfound clarity and sense of control over her money, she started mapping her money along different money buckets in alignment with her priorities and goals, diligently implementing this new intentional money management, and made informed investment decisions that propelled her towards desired financial security.

Part 2: Clarity influences your financial Decision-Making process!

When you have clear understanding of your financial goals, values, and priorities, you can make informed choices and decisions that are aligned with your long-term vision.

Clarity enables Empowerment.

Because it empowers you to cut through the shiny objects, the noise of market fluctuations and other external pressures, and enables you to make confident financial decisions.

If you are a high-income earner yet live paycheck-to-paycheck for years and are not seeking support to help you change this situation, you’re lacking clarity of thinking.

If you make good money and don’t have a strategic plan to become financially free, you’re lacking clarity of thinking.

And if you’re counting and saving every penny yet feel like life is about surviving… instead of looking for solutions to change your money mindset and your money experiences, you’re lacking clarity of thinking.

When I was experiencing my “dark night of the soul”, when I was divorced, deeply depressed and broke, I kept saying to myself “I am such a failure… I have great education, great experience, and great intentions and look at me now…”

I was lacking Clear thinking. I felt stuck in unsupportive unhealthy thinking and was focused on my challenges and problems, instead of solutions. This thinking pattern led to downward spiral that literally brought me to my knees.…

Fortunately, I was introduced to a coach, who helped me shift my thinking patterns and return to clear thinking.

And THAT made all the difference for me. I became financially independent within 7 years!

Sometimes we all need a little help and it’s ok… because it’s the outcome that matters. Right?

Part 3: Cultivating Clarity of Thinking for Financial Success

Let me be frank…

Cultivating clarity of thinking in the realm of finance is a journey or a marathon, not a sprint, and it requires deliberate effort and self-reflection.

Let’s explore practical steps to develop and nurture this invaluable skill that is essential for financial success.

Step 1: Define Your Financial Goals.

Take time to define your short-term and long-term financial goals. Be specific, measurable, and realistic.

Clarify what financial success means to you personally, describe it by writing about it into your journal and get excited about your vision.

Remember, Clarity enables empowerment.

Step 2: Identify Your Values and Priorities.

Reflect on your values and what truly matters to you.

Align your financial decisions with your core values to create a meaningful and fulfilling financial path.

Getting clarity about your values and priorities will save you time, headaches and regrets!

Step 3: Educate Yourself.

Gain knowledge and understanding about personal finance.

Learn about intentional money management, strategic investing, investment risk management strategies, and wealth-building principles.

Clarity is often born from a solid foundation of knowledge.

Step 4: Create a Path to Financial Independence.

Develop a detailed financial plan that encompasses your goals, your money mapping, your FFN (Financial Freedom Number) and your FFI (Financial Freedom Income), and investment strategies.

A well-defined plan provides a path towards financial success and freedom.

Step 5: Regularly Review and Adjust your plan.

Have monthly “Money Dates”! J

Review your financial progress and make necessary adjustments.

Clarity evolves over time.

Staying proactive allows you to align your choices and financial decisions with your changing goals and priorities.

Here’s the bottom-line:

Developing Clarity of Thinking in matters of finance is not just a luxury – it is the key skill to unleashing your financial success.

By gaining Clarity about your Financial Goals, Values, and Priorities, you can make informed choices and aligned decisions, build a solid financial foundation, and create a future of financial security and abundance.

Embrace the power of Clarity and you’ll notice the difference in your decision making and bank account.

To your Clear Thinking, Health, Wealth and Freedom!🙏💖

Millen Livis

August 30, 2023
ONE Skill You Must Have to Be Financially Successful

Most people think that if they only had a lot of money, they will feel financially secure…

NOT TRUE!

HAVING money doesn’t mean you know what to DO with it.

MANY high-income earners live paycheck-to-paycheck and are NOT financially free.

During my complimentary money strategies sessions, I speak with a lot of women from all walks of life. And MANY successful high-income earners…live paycheck-to-paycheck and are not financially free!!

And that’s not all.

While over 63% of Americans are currently living paycheck-to-paycheck, many are now worried about safety of their money at the banks!

NOW, more than EVER before, you’ve got to be financially savvy, so that you can make better financial decisions.

We all wear many hats in life – parents’ hat, spouse hat, employee or entrepreneur hat, and… money manager hat – your money manager.

Each “hat” you wear requires certain skillsets – like communication skills, parenting skills, specialized skills in your area of expertise as an employee or entrepreneur…

Some skills are “nice to have” and some skills are necessary.

And there is ONE particular skill that everyone – regardless of your education, type of work, your upbringing or your natural talents – must have to be financially successful.

This skill is… Savvy money management.

And since it’s such a foundational skill, it’s outrageous that it’s not taught at schools and colleges…

You’ve got to be financially savvy!!

You must know your numbers – what’s coming in and what’s coming out.

You must have a healthy relationship with your money.

Yep, you’ve got to know how to be intentional with your money – how to manage it, how to grow it and how to protect it.

Whether you manage your retirement funds yourself (like I do) or outsource it to financial advisers, you’ve got to be an informed consumer!

Money is like a game and, sadly, many people lose it before they even start….

Financial ignorance is very expensive.

Everybody wants to be financially free, yet most people don’t know HOW to WIN the Money game OR don’t believe it’s possible for THEM to be financially free… so, they don’t even start!!…

And that’s where I come in…

When I work with clients, I use the MILLENaire Method – my holistic system for becoming financially independent.

This method addresses 4 areas of life that influence financial success the most: money mindset, money management, money investing, and… spirituality.

This is the exact method that I used in my life to become financially independent in 7 years….

Financial Freedom doesn’t happen by accident.

You must have a clear intention, commitment and a plan.

I was the least likely person to become financially free… was divorced, depressed, and broke… yet now I’m financially free for over 13 years and own homes in South Florida and in the South of France.

And I can help you become financially savvy and grow your money with less stress and less risk, so that you too create your best rich life and never have to worry about money again.

Message me privately if becoming financially independent is one of your “non-negotiable” goals.

To your Health, wealth and Freedom!

Millen Livis

August 29, 2023
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

August 25, 2023
Age of Aquarius and your 2021

According to Wikipedia, approximately every 2,160 years we have a new astrological age, epoch.

And I’ve noticed a lot of references to the “Age of Aquarius” moment on December 21st, 2020, when apparently Jupiter and Saturn met for the first time in millennials, at 0° Aquarius.

The Jupiter-Saturn conjunction on December 21st, 2020 might have been that final ‘cosmic push’ that will mark the official beginning of the “Age of Aquarius.”

Why do I bring this up now?

Because this “Age of Aquarius” moment is a sign that we’ll be leaving an old world behind and experience “a new normal.”

I know what you might be thinking…. “We’ve experienced this “new normal” for almost one year already and I had enough of it!”

Well, apparently the things associated with Aquarius are concerned with the new ways of being and new ways of doing things that will affect every area of our lives.

And while the new epoch may be about some revolutionary changes, the real significance for each of us is going to be in how we respond to it.

Will we be flexible and able to align our choices with possibilities or inflexible and anxious about the future?

So, I invite you to PAUSE.

Make time to REFLECT on your 2020.

Create a sacred space, get your journal and write down your most memorable 2020 moments….

Some of them might be painful…could be financial losses, broken relationships, health issues…
Acknowledge your emotions associated with these memories…allow yourself to feel them…then consciously let them go….

Next, recall your “2020 WINs” – joyful experiences, new business opportunities, interesting connections, deep self-discoveries….
Anything that makes you feel excited, joyful, self-loving, and powerful.

Now…SET YOUR INTENTIONS for 2021!

Set your intentions for different areas of your life – health, relationships, career, finances…

For example, let’s start with your finances.

What are your financial goals for 2021?

What income do you want to receive monthly?

What do you envision to be the sources of your income in 2021 and beyond?

What adjustments do you want to make in your cash flow?

Do you need to attain or upgrade some skills to accomplish these financial goals?

What specifically do you want to focus on in 2021 to make yourself more valuable, whether at work or in your business?

Up level your marketing and sales skills?

Improve your speaking/presentations skills?

Learn how to invest your money strategically so your money starts working for you?

Improve your time management skills?

Incorporate mindfulness practice in your schedule to feel more peaceful and calm?

Next, write down how it will make you FEEL once you accomplish your goals.

What will change in your life?  How will it affect your loved ones?

You got an idea, right?

And if being financially independent is your top-of-mind thinking for 2021 and beyond….
If you’re done procrastinating, waiting and worrying how you can create a life where you never have to worry about money again – let’s connect in person (in my private Zoom room.)

Let me help you map out YOUR UNIQUE path to Financial Independence so you start your journey instead of just thinking about it.

CLICK HERE to schedule your “Never Worry About Money Again” consultation with me asap!

The value of this session is $497 but it’s my GIFT to you for the next couple of weeks. However, I can only have 5 complimentary sessions per week, max.

So, don’t wait – get into action.

2021 is going to be great for those who don’t wait!

It can be YOU!

As always, I am rooting for you.

With Love and Gratitude,

Millen Livis

P.S. Being financially independent is possible without winning a lottery or killing yourself at work!

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

Let me help you map out your unique fastest path to Financial Independence. ?

December 24, 2020
The Most Effective Medicine to Heal Your Life: Thanksgiving Reflections

“Stay in peace, not in pieces” ~ Iyanla Vanzant

Thanksgiving is one of my most favorite holidays.

I like it because of its spirit of unity, the feeling of togetherness instead of divisiveness, whether you celebrate it with family, friends or strangers.

I like it as an opportunity to reflect on what is REALLY important in your life and for its spirit of gratitude, compassion and abundance that we all can access at will.

Gratitude needs to become your daily practice to help discipline your busy and worrisome mind.

It’s like learning to drive – at first, you need to remember how to operate your car, but overtime, with a lot of practice, you drive without thinking or noticing how you ‘operate it.’

It’s what you do and think DAILY, not once-in-awhile, that makes the difference in your life. I am sure you already have some of the daily rituals in place.

Let me to share with you some of mine here:

(more…)

November 27, 2020