Dare to Change Life Coaching & Mentoring

Tag: wealth

  • 🎯TIPS for MAKING BETTER DECISIONS

    🎯TIPS for MAKING BETTER DECISIONS

    While I was communicating with a friend recently, she asked me a question that I think many people can relate to:

    “So, I need to spend money to learn about money?”

    I found her question fascinating, considering that she mentioned to me previously that she probably wasted a lot of money because she hasn’t managed it well….

    That the fear of wasting her savings is huge for her (she is a self-employed single mom)….

    That she knows that she needs to confront this fear.Yet her fear of making a “money mistake” keeps her feeling stuck in doubts, indecisions, and money worries.

    This experience reminded me that many people have difficult time with making financial decisions.

    So, in this article I’m going to share with you my top 3 tips for making better financial decisions.

    ✅ Develop a habit to see everything through the lens of an investor.

    When you spend money, by definition, it’s lost – there is no increased value for you, whether it’s monetary value or value in a form of better health, reduced stress, or elevated self-confidence.

    What if you look at your decisions to pay for something as an investor?

    “Will buying XYZ help me improve my health?”

    “Will paying for an XYZ program help me get clarity, become more knowledgeable and confident, propel me toward my goals?”

    “Will investing in XYZ potentially provide additional income and/or appreciate in value overtime?”

    If you answer YES to any of the above, paying for XYZ is investing, not spending.

    ✅ Focus on Solutions instead of dwelling on your Problems.

    Life tends to through a curveball when we least expect it and our response to challenging situations is crucial.

    While it’s important to acknowledge problems and to understand what is causing them, it’s essential to focus on possible solutions.

    During my recent Greek islands’ cruise, I met a widow, who lost her husband unexpectedly and was devastated not only by losing the love of her life but also by suddenly becoming solely responsible for making financial decisions.

    She took time to grieve… then made a decision to focus on solutions to her problem, which was her fear of dealing with money and making bad financial decisions.

    She bought books about managing and investing money.

    Then attended some free trainings online…

    And finally decided to get support and guidance by working with a mentor to help her become financially savvy and confident.

    I am honored to be her guide on this journey.

    Please anchor this statement in your mind:

    🙏You’re More Resilient and Powerful Than You Know.

    And when you choose to focus on solutions instead of dwelling on your problems – you activate your personal power and the forces of the Universe to support you.

    That’s one of the topics I’m going to discuss at my new masterclass “From Worrying to Winning the Money Game.”

    If it’s important for you to uncover and fix the potential problems that hold you back financially, I invite you to come to my new masterclass (see the registration link in the comments).

    ✅ Manage risk.

    To be financially successful, you’ve got to learn how to invest and how to manage investment risk.

    You’ve got to assess potential risk of loss vs potential opportunity for win and decide if this investment worth your while.

    Here’s what’ve realized….

    Everybody wants more money.

    Yet very few are willing to invest their time, efforts, and money to figure out how to make it, keep it and grow it.

    For example, I like to invest in my personal and professional growth and over the years invested hundreds of thousands in myself.

    Some of these investments yielded great results, others… not so much.

    But I am not upset about any of my investments because I know that ALL investments have inherent risk.

    And the trick is to decide if you’re going to be OK with the potential loss because the potential win is worth it.

    🔥If this sounds like something you’d like to dive deeper into and you are eager to develop winning money strategies, you’ve got to come to my new “From Worrying To Winning the Money Game” Masterclass.

    🎯You’ve got to become financially savvy, so that you make better financial decisions.

    And if you feel lingering money worries and fears about your financial future, it’s time to face these fears.

    Because if you don’t face your fears, you’ll never conquer them.

    You’ll never get past the fears.

    And the longer you go without facing it, the more deeply the fears get ingrained in you.

    Look forward to seeing you with us at my masterclass‼

    To your Health, Wealth, and Freedom!🙏

    Millen Livis 💖

  • 💪4 STAGES OF FINANCIAL FITNESS SPIRAL

    💪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!😉🔥

  • 🔥FINANCIAL IGNORANCE IS EXPENSIVE

    🔥FINANCIAL IGNORANCE IS EXPENSIVE

    Money worries and financial stress are “the elephant in a room” for many people right now.

    The official inflation rate, without food and energy, is 3.7% right now….

    So, if you don’t need to eat and don’t need to drive or heat your home, you are fine…. 🙃

    And you don’t need me to tell you that groceries, gas, housing, car prices are much higher now than just a couple of years ago…

    Although the U.S. government spends your tax money without any constraints (U.S. Debt now is over $33.5 Trillion!!), you, the tax payer, are limited with your financial resources.This leads to feeling financial uncertainty….

    While you may be diligently saving up for “someday” retirement – when you can suddenly do the things you want to do – in a meantime, you are not living your life fully… because of financial concerns.

    Even if you save up enough money to retire, by this “someday” you may be too old for adventures, or too tired to learn, or don’t have as much time as you thought…..

    And, unfortunately, your education, your high income in previous years, even your strict budget cannot guarantee you financial success.

    Kelly, a former private client, who was highly educated and was making multiple six figures in business profits, was ridden by financial stress and worries….

    Apparently, having money doesn’t mean you know what to do with it… how to manage it….

    It’s really important to be strategic with you money and to develop winning money strategies, not just another [often] failed budget.

    Budget is a good start because it makes you look at your cash flow “close and personal.

    But it’s not enough‼

    You want to enjoy your life and your money now, while also strategically plan your money for the “golden years.”

    It’s called balancing your financial priorities.

    And Money Mapping protocol – intentional and strategic management of your money according to your short term and long term priorities – is a great tool to win the money game.

    Some of my family members, who used to make more money than me but were not strategic about managing their money, are now HAVE to work (in their 60s) while I became financially free in my early 50s…

    Look… Road to Financial Success is messy.

    There’re no guarantees and no shortcuts.

    However, if you want to enjoy your life now and in the future – learn how to win the money game.

    Start exactly where you are and with what you have, even if it means taking baby steps (e.g. tracking your cash flow).

    “Direction is more important than speed.”

    And speaking of direction…

    The 2024 is just around the corner and you can set yourself up for a successful year by discovering

    ✅ What problems might be causing your money concerns

    ✅ How to fix the money problems

    ✅ How to map your money in a way that you will be balancing all your financial priorities and have more money with less stress and less risk

    If this sounds like something you’d like to discover and you are eager to develop winning money strategies, you’ve got to come to my new “From Worrying To Winning the Money Game” Masterclass.

    Living with constant financial stress and worries is NOT the way to live a happy and healthy life.

    As I’m sure you know, financial stress affects EVERY aspect of your life – your health, relationships, self-confidence, self-image.…

    Fortunately, money stress is one of few things you can control.

    Please note: I have no idea when (if at all) I’ll be guiding this Masterclass again…

    But this time you can receive a GIFT to attend this powerful training (retail ticket value is $297), so that you don’t have to worry about investing money to participate in it.

    Bottom Line:

    Do NOT normalize living with financial stress!

    It is possible to feel good when you think about your money.

    And that’s my intention for you.

    What’s yours?Millen 💕

    P.S. The link to register for this Masterclass is in the comments.

  • 🎯☯ How to Align Your Energy with Financial Success

    🎯☯ How to Align Your Energy with Financial Success

    EVERYTHING IS ENERGY.

    And every object has its own vibrational frequency.

    Each of your thoughts has a different vibrational frequency and emotionalizing your thoughts makes them magnetic….

    And you can align your energy with the frequency of success and abundance.

    In this article, we’ll discuss HOW you can achieve this.

    Your Energy Vibration Frequency

    What I’m going to talk about today is one of the most important episodes of this show… Because it’s NOT enough to be good at money mechanics or even have healthy money beliefs and habits… Today we’ll go deeper… MUCH deeper.

    We live in a dual Universe – physical and metaphysical (spiritual). At the core of our spiritual reality is a field of ENERGY, often referred as a Quantum Field. Everything around you – people, buildings, furniture, cars, flowers and trees, thoughts and money – is ENERGY.

    EVERYTHING IS ENERGY.

    Each of your thoughts has a different vibrational frequency and emotionalizing your thoughts makes them magnetic….

    You can align your energy with the frequency of success and abundance.

    In this episode of the show, we’ll talk about HOW you can achieve this.

    Energy Vibration Frequency Codes

    Just a couple of years ago what I’m going to talk about would be called woo-woo… Well, some people may still think it’s the woo-woo….

    If that’s how you feel, it’s time to wake up!! J

    Just like your fingerprint is unique, each person has unique Energy Vibration Frequency.

    Vibration is the amplitude, or intensity, of energy. The higher the vibration, the more powerful the energy.

    Frequency is the rate at which energy vibrates. It can be measured in hertz (Hz).

    Your Energy Vibration Frequency is a result of an overall accumulation of your emotions, attitudes and responses to circumstances in your life.

    The lasting, intense thoughts and emotions lead to feelings.

    Your body stores the energy of your feelings.

    Your FEELINEGS expand the accumulated energy of your consciousness that eventually becomes your vibrational frequency.

    Negative emotions have very low energy vibration level and can really weigh you down or even lead to dis-ease.

    The energy vibration levels progress upward as you feel love, joy, and peace.

    By the way, despite the words emotions and feelings being used interchangeably, they are actually two different but connected phenomena.

    Emotions originate as sensations in a body, specifically, as chemical reactions in the body. Feelings are influenced by our emotions but are generated from our mental thoughts.

    Be aware of Your Frequency Vibration Code.

    OK, let me share with you an excerpt of a list of energy vibration codes associated with different emotions that I learned from my amazing spiritual mentor – Dr. David R. Hawkins – and his must-read book, “Power vs Force”:

     • Shame: energy level 20

    • Guilt: energy level 30

    • Grief: energy level 75

    • Fear: energy level 100

    • Anger: energy level 150

    • Pride: energy level 175

    • Courage: energy level 200

    • Neutrality energy level 250

    • Willingness: energy level 310

    • Acceptance: energy level 350

    • Love: energy level 500

    • Peace: energy level 600

    • Enlightenment: energy level 700 – 1000

    For example, if you are angry most of the day, you have a low energy frequency that leads to feeling fatigued and prolongs the experience of low energy, which eventually spirals into depression and hopelessness.

    The lower your vibrational frequency, the more tired you feel. 

    I hope that having awareness of your energy vibrational frequency on a daily basis will inspire you to focus on positive emotions that will transform your vibration to higher levels.

    When you’re able to transform any negative energy emotions to the higher frequencies, you will feel more energized and optimistic.

    I invite you to develop a habit of consciously switching from negative low-frequency emotions to positive, higher frequency emotions.

    Yes, I realize that it’s not always easy. It appears that the human brain is wired to focus on negative experiences and possibilities…. That’s why so many people struggle with worries and anxiety about their future and fear uncertainty.

    However, I hope that knowing how shame, guilt, fear, and anger affect you in so many negative ways will motivate you to find ways to be more loving, kind, and optimistic.

    Be aware of Your Frequency Vibration Code.

    What Financial Freedom means to you?

    We often talk about Financial Freedom but it means different things for different people…

    What Financial Freedom means to you?

    How it will make you FEEL once you become financially Free?

    Pause and write it down into your journal…

    For me, Financial Freedom means…

    💰 Freedom from Financial Anxiety and Worries

    💰 Freedom to Choose WHAT I do

    💰 Freedom to Choose WHERE I live and work

    💰 Freedom to Choose WHO I spend time with

    💰 Freedom to Choose HOW I spend my time and money

    💰Freedom to Choose WHEN I work, rest or take vacations

    When I started my journey to financial Freedom, THAT’s how I wanted to feel and NOTHING was more important to me than feeling FREE.

    At that time I was separated, lived in a tine rundown apartment in Hoboken, NJ, exhausted my savings on building the real estate investing business that crushed in 2008.…

    I was NOT the person whose energy frequency vibration was aligned with abundance, Prosperity and Freedom.…

    I judged and doubted myself, I was focusing on problems (and, of course, had more problems because what you focus on, expands), I felt like a victim…

    Needless to say, I had a long way to go to aligning my energy with the person who can experience abundance and freedom.

    I had to develop and Aptitude for Success, especially financial success!

    And eventually got it (after years of zigging and zagging!) and want to share with today top 6 Essential Elements of Aligning Your Energy Vibration with Financial Success and Abundance Consciousness.

    6 Essential Elements of Aligning Your Energy Vibration with Financial Success and Abundance Consciousness

    1.    Self-empowerment (vs victimhood): You cannot create Wealth and freedom in your life if you don’t feel that you are capable to do so; Feeling sorry for yourself, feeling like a victim is NOT how you achieve financial success in life.

    2.    Financial responsibility (vs ignorance): You must take responsibility for your life. Blaming others or your bad luck assumes that you are not in control of your choices and decisions in life… You must take responsibility for your financial future and learn the financial know-how: how to earn, manage and grow your money.

    3.    Attitude of Gratitude (vs entitlement): Nobody owes you anything… Appreciate EVERYTHING that you have at the moment – there are people out there who would love to have what you have… Besides, “What you appreciate – appreciates!”

    4.    Clear Intentions (vs fogginess): be aware of your Intentions! You transform your reality thru clear Intentions and elevated emptions; Have a journal, write down your wishes and desires; create a “Dream-board”.

    5.    Focus (vs not having sense of priorities): Be mindful what you focus on because what you focus on – expands! FOCUS on what Works in your life already AND FOCUS on SOLUTIONS while acknowledging the problems you’re experiencing.

    6.    Mindfulness about Your Feelings (vs allowing your low-frequency feelings get out of hand): Be mindful of low frequency emotions. If feel angry or frustrated, acknowledge how you feel yet remember that YOU can choose to shift your focus and shift your emotions. It’s impossible to feel petty for yourself and grateful at the same time.

    Final words…

    Any low energy level emotions are a habitual reaction that you have developed over a prolonged period of time.

    It has created anchoring triggers that automatically bring on the emotion.

    Whenever you notice that you are in a negative emotional energy pattern, pause and make a conscious effort to release your stored low frequency emotions and raise your vibrational frequency.

    There’re many different ways to accomplish this.

    I use “Inhale Peace and Love” method for myself and my clients.

    To your Health, Wealth, and Freedom!

    Millen Livis

  • 💰🚀 8 Key Components For Achieving Freedom And Prosperity

    💰🚀 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.

  • ONE Skill You Must Have to Be Financially Successful

    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