Magnetic Money with Miriam Castilla

[00:00:01] Welcome to Business Finance and Soul, my name is Shaun Enders and I'm a curious entrepreneur.

[00:00:07] I love exploring business, personal finance and consciousness.

[00:00:11] I'll jump around topics, offer my opinions and occasionally interviewing interesting people.

[00:00:17] Looking forward to going on this journey. Let's be curious together!

[00:00:21] Welcome back to Business Finance and Soul. I am fortunate enough to be sitting here today with Miriam Castilla.

[00:00:35] She's the founder of Magnetic Money and the author of five-minute money system.

[00:00:41] With a background in engineering and finance and a practitioner of NLP and Hypnotherapy,

[00:00:45] Miriam approaches money and business with a systematic mindset,

[00:00:49] fusing practical ideas with energetic alignment. Something I'm very attracted to.

[00:00:55] Miriam, thank you so much for joining me.

[00:00:57] Hey, Shaun, I'm so excited about our chat today.

[00:01:01] I think it's going to go to some very interesting places.

[00:01:03] Absolutely. And I actually was thinking about how one to start things off with you because

[00:01:09] I've heard you talk about and it's particularly interesting to me,

[00:01:13] really about money from a holistic perspective

[00:01:17] and money seems to drive so many emotions depending on the person.

[00:01:23] What are your feelings about money?

[00:01:25] How do you address money in the world as far as how you see it and how it interacts as a tool?

[00:01:31] Yeah, that's a great place to start.

[00:01:37] I think that money is such a complex issue for people in general

[00:01:43] because they bring all this baggage to it.

[00:01:45] But if you strip all that away, really money is just a tool.

[00:01:49] Money is just an object and also I talk about having a relationship with money.

[00:01:57] Because energetically we tend to project all these thoughts and ideas and concepts on to money.

[00:02:04] And then we feel disappointed or like money is not there for us.

[00:02:07] But at the end of the day, it's actually just reflecting back to us what we've got going on within us.

[00:02:13] And so when people are raised with all these ideas around it's not okay to have lots of money because other people are struggling or you have to work hard.

[00:02:21] They project all of that onto this just object really that at the end of the day is just a tool.

[00:02:29] And it's a tool for whatever you want it to be.

[00:02:32] And if you're somebody who wants to give a lot to the world, you really owe it to yourself to get as rich as you can and have as much money that you can flow out into the world as well.

[00:02:43] So I like to just strip it right back and go, well, money is just energy and it'll reflect whatever you project onto it.

[00:02:50] And it's a tool for whatever you choose to do with it.

[00:02:55] Yeah, that's really well said.

[00:02:57] I think more people are getting into this space in the last five to ten years.

[00:03:02] There's really been a movement of where and thanks to online forums and podcasting where you see that this has been a mindset that people have held for a long time.

[00:03:15] It's getting out there and there's a big appetite for this because I think people understand the way that the world works in from the standpoint of what you're putting out there is a projection of your reality and you're going to continue to see that.

[00:03:33] You know, one of the things that you touched upon that I was always curious about.

[00:03:41] Because I know they don't teach a lot and I'm not even sure if they should about personal finances at a very young age.

[00:03:49] I know that my mom did a great job with, you know, getting me a checking account when I was 16 and learning how to balance the ledger and you know really, you know, that dates me a little bit but.

[00:04:01] But that's what it was and it was really cool. And I felt empowered my school wasn't doing that and I wonder though.

[00:04:10] If our feelings about money and the way that we approach it, whether or not it's from an abundance perspective or a scarcity mindset, do you think that that's.

[00:04:20] Biological do you think it comes with our DNA or do you think that it's a learned behavior something that we pick up in our childhood?

[00:04:29] Yeah, that's an awesome question I think.

[00:04:31] Honestly it's probably a little bit of both in that.

[00:04:36] Not necessarily that it's in our DNA to be naturally wired to you know look towards lack and scarcity but biologically,

[00:04:45] our brain is still the caveman brain so we're looking for danger.

[00:04:49] We're looking to protect ourselves and our unconscious mind which is what I love diving into,

[00:04:55] you know what's actually making us tick that we don't even realize is going on.

[00:04:59] Our unconscious mind has one prime objective and that's to protect us.

[00:05:04] So, you know I guess when you're saying is it is it in our nature?

[00:05:10] Well it is to that degree that we want to make sure we're safe but then I think a huge part of it is that nurture element and those stories were told growing up

[00:05:21] and the things that we see and hear our parents say because the truth is we just passed this stuff down from generation to generation

[00:05:29] unless we choose to become conscious of what we're doing and saying so you know,

[00:05:35] our parents generation we're probably similar to in touch although I think I'm a bit ahead of you there.

[00:05:43] So our parents generation you know they came out of World War II and things like that and so they brought a whole lot of issues.

[00:05:50] A whole lot of issues around money and you know really needing to be safe and secure and that kind of drives you and then they pass those messages onto their children because if you're growing up being told,

[00:06:02] don't waste anything eat everything on your plate and all this kind of stuff.

[00:06:06] You know that message is all pervasive that there's only so much to go around we've got to be really careful with it and if we don't watch it really carefully we might be screwed tomorrow.

[00:06:17] And so we don't even realize that we take those things forward with us. So I think it's as parents now it's so important to wake up tall of that and be really conscious and you know give our kids positive,

[00:06:31] not just educational around how to manage their money like your mum did so you're really blessed and probably one of the minority in that but also to give our kids a positive message around.

[00:06:43] You're okay you know yes you might have to sometimes spend your savings on some unforeseen emergency but that's what they're for you know not they're not there just to make you feel safe and secure.

[00:06:54] They're there to be spent if you need it and that's a good thing and then you know what to do to build it up again right so those little shifts in perception make a massive difference.

[00:07:05] It's huge and I think when I touch the pot on this on the intro for you where you have this finance and engineering background and fusing that with NLP you know which I really like because I believe that the power of this intentional you know.

[00:07:26] That just thought process but what we speak into existence right you know and at one point I think people felt like okay this isn't.

[00:07:37] This is just you fooling yourself right this is you kind of making up something especially before something happens of where.

[00:07:46] The old days like hey live in reality um but the most successful people in the world have said it over and over and over again which is they made their own reality right they saw it in in their mind and then they spoke it into existence.

[00:08:00] And then and this goes back to you know biblical text right it's it's about speaking something into existence and.

[00:08:10] What I what I'm curious about is how do you blend the two of of you know when we people listening that.

[00:08:19] You know you know what you're going through a financial struggle or you know are trying to I know real estate has gone crazy globally and so people want to move up in their house or they want to buy another house but.

[00:08:33] This seems so far away and they aren't there so how do you with a very practical mindset.

[00:08:41] A very data driven mindset professionally married that with the intentionality of NLP what should people do when they're living in one reality yet financially they want to be in a different reality what are some.

[00:08:57] Some tools that they can apply on a daily basis or what do you recommend.

[00:09:02] Yeah there's so much there right and it's it's it's it's a lot will the thing is that I think a good place to start is I talk a lot about the gap.

[00:09:13] There's always going to be a gap between where you are right now and where you want to go next because we're wired to constantly be looking for growth and evolution you know it's the nature of the universe everything is constantly growing and expanding either that or it's weathering and dying.

[00:09:30] You know we're not really about that so first of all making your peace with the fact and actually accepting and getting excited about the fact that there's somewhere you want to go next.

[00:09:43] You know which means you are in that process of growth and expansion and it never really ends and what then happens is you actually make your peace with that gap you know you see that as an exciting.

[00:09:55] You have things to come and where you can go next rather than a frustration of why am I not there yet.

[00:10:01] So that's a huge mindset shift to go well if I because the truth is that we normalize to wherever we are right now and for most of us.

[00:10:12] We are always looking forward we're forward facing we're just wonderful but we don't stop enough to actually look at how far we've come.

[00:10:20] And where we are now like every single listener right now if they look at their life and actually go well where was I 10 years ago in all these different facets of life there would go oh my god how much of grown right.

[00:10:35] So actually stopping to acknowledge that this is a continual process allows you to just relax into it a little bit because what keeps us stuck is believing we're stuck you know if you think you're stuck you're stuck because your.

[00:10:50] And this you know studying NLP and hypnosis for me.

[00:10:55] With having a science background I also like to look very much at the brain chemistry part of it and the neuroscience and the quantum physics level of it and it all is actually saying the same thing right it's just different languages so.

[00:11:13] The thing is that whatever our current state is that's what our predominant wiring is right now that's what our strongest associations are we just see the world through this filter and so we need to be able to.

[00:11:26] Start to shift that an open up to the new possibilities and so this practice of visualizing and deciding where we want to go next and spending time with that it's actually about expanding our world view so we can start seeing.

[00:11:42] The opportunities and the ways it can happen because unless you allow us to relax into opening up to that space or you're going to seize the problem you know you'll stay fixated on the problem your.

[00:11:57] Physiology will stay in a stress state and you can't think creatively when you're in that state so you know learning how to manage that things like meditation mindfulness.

[00:12:10] Practicing gratitude a really powerful and allowing us to see that we are in this continual process of growth and evolution and then the question can change from why might not there yet to I wonder how I can get there.

[00:12:25] I really like that I actually like the term there a mining the gap you know because I think that you nailed it with.

[00:12:34] I was listening there's actually so many people that struggle with this but Tim Ferriss who obviously has a huge following and it's been podcasting forever.

[00:12:45] One of the things that he struggled with and I was like man if he struggles with this it feels so good because I think everyone who's experienced success and we've also experienced success right like at different levels so some people get it on a global level some people get it on a local level you know but.

[00:13:03] And then some people just get on a personal level but ultimately as you're experiencing the next run on that ladder.

[00:13:11] It's always different than the previous wrong it's always a new height and always feels a little bit like why am I not just happy to settle here like what's wrong with me I should just be happy and.

[00:13:26] You are and I think most people are.

[00:13:30] But then like to your point.

[00:13:33] Life is about you know evolving life is about moving forward it is about growth and green shoots and so you then you have a conflicting space of energy of where you're happy.

[00:13:48] You are appreciative and grateful of where you are but then you're like but I also want more and so that space in between I think you know you really hit on it with.

[00:14:03] Being grateful documenting the growth that you've already had you know saying yeah 10 years ago where were you.

[00:14:12] And I think most people are amazed with how much they've already accomplished you know not just financially but just personally how much they've grown.

[00:14:21] Do you find that.

[00:14:23] This is a struggle for for you when you are coaching at first when people come into wanting to manifest greater abundance of you know financial resources in their life.

[00:14:34] Our most people are already journaling I know a lot of people aren't fully meditating I think it's hard.

[00:14:41] For modern societies because to switch off the brain and it does take practice but our most people at least journaling or is this a new concept do you start there you know when you when you work with a new student.

[00:14:53] Yeah, it's really interesting.

[00:14:57] What so a lot of my students who come into my world they're already I guess spiritually minded wouldn't be the right term you know at various different levels but they have that.

[00:15:11] So full bend to life and it's interesting still even though they know that they maybe ought to be doing certain things.

[00:15:21] Still managed to avoid it so you know for me and we have this conversation before we started recording morning meditation is pretty non negotiable a little bit of a yoga stretch and my morning meditation I call it tefflons of the brain.

[00:15:35] And I'm huge on visualization and I've kind of developed like a little bit of what I call a turbo charged.

[00:15:43] Visualization with some extra hypnosis and LP tools thrown into it and it's a form in a practice right and it's really interesting how much people will resist.

[00:15:56] Spending four minutes a day to improve their life yet spend hours a day you know worrying or feeling frustrated about not being where they are and putting a whole lot of like physical effort or slogging it out at the keyboard into trying to grow.

[00:16:14] I always fascinate me so you know some people do like to journal I personally don't I'm really impatient and I just don't have the attention span so I sort of hack journaling in that I just ask some resource for questions of my unconscious like you know I wonder how this can resolve itself.

[00:16:33] I wonder what else is possible. What would I need to become aware of to help me understand you to help me release this pattern so I kind of just give my conscious a list of things to do and and off it goes.

[00:16:46] So that's kind of my version of journaling and sometimes if you think someone will come out and I'll write a sentence or two.

[00:16:52] You know I think so what I'm big on is there is no one size fits all everybody are different we've got different lives different things that were attracted to that make us tick.

[00:17:02] But just pick one pick one and run with it and don't do it just for the sake of it like it's not about ticking a box it's like if you're going to practice.

[00:17:13] Gratitude make sure that you can actually go there that you really in that space where you have tears in your eyes and you're just overwhelmed with emotion.

[00:17:23] Because if you're just like writing a little gratitude list and then you're like okay anyway what's for dinner and what do I have to do tomorrow.

[00:17:31] You've wasted your time if you're going to second door for men at visualization really go there you know use all of your senses and be in it and really start to.

[00:17:40] Program your mind and condition your body to become that next level version of you so you don't need to do a lot of stuff or spend a lot of time but you need to really be there.

[00:17:54] And so what I've worked with with people is just figuring out which one's going to be the one for them and then making sure they stay switched on enough to recognize when maybe they're starting to tune it out and you know become a bit like the Simpson sitting in church where just turns to blah blah blah blah.

[00:18:13] And then you need to switch it up.

[00:18:16] Yeah that's that's good. You know one thing I struggled with personally and I haven't I haven't been able to validate this yet because I've just kind of getting to the point of articulating it.

[00:18:29] But I struggled with the next iteration of my life and so I think for a lot of us it's it's easy by default to say okay will you know school then a job and then maybe get a car apartment or house or start a family or get married like these seem like default choices now I'm super in view as a people who just like totally.

[00:18:55] You know dance to their own beat and they're like that I don't do any of that stuff and I you know I'm a gypsy and you know love life and you know I influenced millions you're like alright sweet but for the rest of people.

[00:19:07] There is like a path that a lot of us buy into and so when you accomplish that I think this is where people tend to to get a little bit of they hit a little bit of a wall in terms of they did all of that.

[00:19:23] And I don't know if we just all thought the game was going to be over or like we win something or like confetti drops from the like what happens but I think that's where there's this feeling of.

[00:19:36] Discontent sometimes and I think people can feel a little ashamed by that because they're like it's not a bad life like you built this awesome life.

[00:19:49] And you're accomplished and you're actually winning in all and all levels you know you have lovely kids or you have you know fantastic career that you like it's always that you want to blow that up.

[00:20:00] But it's the next vision of that like what is the next iteration look like so you mentioned something about creating vision and I'm wondering how do you work with people.

[00:20:12] Like myself that have gotten to that point of where they're like I need to create a new vision a bigger vision.

[00:20:23] But now all of that seems un- accomplishable you know like.

[00:20:30] How do you get there do you have a process that you that you take people through and is this part of it and do you find that other business owners are executives that have succeeded but you know.

[00:20:43] Traditional standards experience the same thing.

[00:21:13] And I think it's because we tend to buy into those that programming in those expectations by society by our parents.

[00:21:30] And we're going to be able to see it all rolled out in front of us and we think if I just do these things I'm going to be happy you know and I'm going to be like that TV commercial which people don't really watch TV anymore so there you go.

[00:21:42] It's you know it's that expectation and that programming and we don't stop to go well what actually makes me tick.

[00:21:48] What actually gives me joy and fulfillment because it's not a portion the driveway it's not how many bedrooms my house has or how many bathrooms I have.

[00:21:58] It's it's really different stuff that makes me tick and so one of the things and I saw you talked about this in a prior episode you talked about the north star.

[00:22:08] I don't know about core values and out of those core values you kind of end up with this north star so actually stopping and I love developing hypnotic processes that people can do on their own or in group settings.

[00:22:23] So one of my processes really allows people to get clear on what are your top three core values we all have lots of things we value but what are the top three.

[00:22:33] And by that I mean the things that truly like you are from deep within that you maybe can't even articulate it's not like a really value my family and my relationships you know the things that we all feel we should say.

[00:22:47] You know a small like a deep sense of peace you know a sense of freedom and choice a sense of connection to nature you know those kinds of things I'm talking about.

[00:23:00] And then if you.

[00:23:02] A real value like your life and where you're going through that lens and actually make those your markers and your.

[00:23:11] Kind of checkpoints as to is this going to light me up it changes the whole conversation it's no longer about how big does my business need to be how many staff do I want how much money do I want in the bank and what do I want my portfolio to be worth like that stuff becomes more or less meaningless.

[00:23:29] And it's really about well how do I want my life to feel and so when I talk about visualization and creating a vision.

[00:23:38] I'm more and more over the years I've moved away from that traditional goal setting don't give us the bullet point checklist to much more.

[00:23:49] To feel how do you want to feel so it's probably a bit more along the you know how Daniel report likes to approach things.

[00:23:56] But there's still a blend when you work with me so it's about sit down and visualize the kinds of things that would be really cool to spend your time doing it's not about having a.

[00:24:10] You know wish list for the universe that you're constantly kind of banging on about it's about what else would be really cool you know are big rate to like.

[00:24:19] Just run on the beach with my kids and play games and data done I wouldn't be cool if that was an amazing new setting that we hadn't visited before and you just let yourself like go wild.

[00:24:30] And that's what's going to drive you and move you forward and become that force that whatever it means your business needs to look like to give you that you're then you're going to feel fulfilled and happy so it's the business.

[00:24:48] And your finances support that rather than I'm going to chase you know having a certain level of financial.

[00:24:58] stability and freedom and then somehow I've got to figure out how to make a life out of whatever I've done to make that happen right so it's backwards.

[00:25:07] That's it's so good because I think that there is a change that has to happen at the operated system level right you know which is.

[00:25:17] It's not a scorecard.

[00:25:19] Uh, uh, mentality and that is it's so much easier that's what I mean social media is so profound because it's so visual and it shows us what success is.

[00:25:33] It's not true but it that's the story is that it shows us what success is that we can just flip up an iPhone and who flips up an iPhone who you can actually just.

[00:25:45] You know look at the screen of the phone and I'm just like trying really hard to say like I mean my forties right now.

[00:25:53] So I think what you see is this this idea that what you're suggesting.

[00:26:03] Is is not really tied to a celebratory event of where others can look at it and either be envious or congratulatory.

[00:26:18] You know something that's as a key identifier to say you've made it and I think for us by default if we don't get it from the external world we have to just intrinsically know it.

[00:26:29] That we are winning that you are at peace that you know a beautiful part of your day was like you said it was free it was a calmness because you put things into practice where you have maybe financial freedom and you actually can in the middle of the day.

[00:26:49] You know like you're like well this is amazing you can walk over at the beach and find a parking spot at 10 30 because nobody's there on Tuesday.

[00:27:01] You know you can get things that I don't they don't aren't scorecard moments there it's very difficult to post that on social and to get those accolades and the hits and you know people saying hey you won but.

[00:27:15] You know you can get a false sense of you know you're standing in the world and I think that that's where I'm suggesting is that it's a core change the OS which is.

[00:27:37] You really have to practice this on a on a regular basis to get to a point where you don't need external validation to get to a point of feeling.

[00:27:48] All right feeling like you you you you have done it.

[00:27:53] Yeah I think you know you talk about the scorecard and it's really about ripping up that bloody scorecard.

[00:27:59] Yeah keeps us trapped in chasing illusions and thinking that you know what does it mean to have made it like what's the definition because there is no finish line the finish line is when you're dead and buried that's the finish line.

[00:28:13] So you know it's really about what do I want my life to feel like how and I talk about creating a truly rich life which means you've got the financial stability them you know your money's got your back.

[00:28:27] You feel like you're living a rich life internally you know that you're doing things on your terms and you've created this amazing environment where you can thrive and really do the things that mean the most to you.

[00:28:42] So going back to when we were talking about the gap you know it's about really being incredibly appreciative and grateful and loving where you are and excited for what's to come and I think that how you kind of you know find that there's no.

[00:29:01] When do I arrive moment it's like I am arriving over and over and over again every single day and it just keeps getting better and sweeter and more abundant and how what a cool ride this is.

[00:29:15] I like that a lot I think that this is why it's so important you know when people say enjoy the journey.

[00:29:21] I think the point is of course you want to be on a journey that creates opportunity and financial abundance so of course be you know when you're the the people that are listening to business finance assault are successful individuals that.

[00:29:39] have careers where they can create leverage in their life and.

[00:29:45] At the same time what a feeling of connection to the day to day existence one of feel like there's a purpose like getting up in the morning.

[00:29:57] I think that's a very important thing to do is to be able to do something that it's real and it's not this just you know consistent groundhog day mentality and so my belief is that.

[00:30:10] I think a lot of people I think people feel like it's one camp or the other sometimes and we're kind of breaking that open which is you can have both right like you can drive work hard show up.

[00:30:28] go after large sums of money there's nothing wrong with that and at the same time you can feel completely abundant connected free light.

[00:30:41] and you attract more of it and I think that that is kind of the this very interesting just a position which is a lot of people find themselves in which is like well I got to be one or the other either I'm all in right now and I don't have any time for the woo was stuff or.

[00:31:01] I know if it if it's hard and it's not coming easily to me then it's not worth it because everything that the universe offers is always in alignment and it's always going to be easy.

[00:31:14] and I just not find that I find like sometimes things are hard and that the journey is this arduous task at times.

[00:31:24] but you can still stay connected how do you manage that of where I know you want to live an abundant financial lifestyle.

[00:31:33] and that requires showing up and even doing things that sometimes you don't want to do that don't seem in alignment.

[00:31:41] only to find out later because you're in alignment those things stitched in just like perfectly.

[00:31:47] how do you see motivated to do things that are hard when you also want to stay in flow all the time.

[00:31:55] yeah so you know I think that you're right like we're really cracking it open here and maybe this is what this spiritual evolution of planar does is all about it's actually about recognizing that.

[00:32:08] it's not one or the other it's actually both coming together in alignment and not judging oh you know your lazy hippie who just wants to sit on a mountain top and have life be easy versus are you're a money hungry you know.

[00:32:23] so the thing is also that you know to recognize that it's the hard stuff that helps us to grow and we need to know why we're bothering to do it.

[00:32:36] and I think that's maybe the element that has been missing in the past where we're doing the hard stuff because it's going to let us check that box but we haven't upfront decided that that box is going to be worth checking.

[00:32:49] and you know we talked about you like to do your cold plunges like that's not easy.

[00:32:54] that's really really hard on over and over again but what it does is it teaches you every single day that you can do hard stuff and you can be uncomfortable

[00:33:04] and you have to get my NLP teacher I remember used to always say you have to get comfortable being uncomfortable.

[00:33:10] that's what growth is about and whether we're talking spiritual in a growth or business growth you're going to have to keep stretching yourself and growing and expanding but you can make that process easy by being gentle about it by being kind to yourself.

[00:33:29] and by doing it not trying to do it all in one big hit but just doing it in those little incremental steps each day and by being as aligned and high vibe as you possibly can like to actually be enjoying the journey because that's you know naturally expands you.

[00:33:48] so going back to what we were talking about before if you use your core values and you kind of have that north star then you create things by design and then even at times where you know that I've got to go through this shitty period and do this stuff in the I don't love sitting at my computer you know and when it's down time I just don't even want to look at it.

[00:34:14] it's difficult sometimes to do the fun stuff that I need my computer for like planning trips and so you know if you know that it's.

[00:34:23] it means to an end but in a way that the end will actually give you what you want then it's a whole different ball game you know it's like I take my cold plungers because it teaches me that.

[00:34:34] I can be uncomfortable and move through it and there's growth on the other side of that and that's really fulfilling so when you come at it from that.

[00:34:44] perspective it just changes everything and you can actually enjoy the challenge of the discomfort.

[00:34:51] that's it's it's so true and that's why I love having this conversation with you because I you know you've been through.

[00:34:58] enough in life with different career paths to know that each one serves this really unique purpose and whichever stage you're in.

[00:35:09] if you really just lean into that and also trust that where you're going will unfold.

[00:35:17] in a in a in a perfect way without timelines and I think my wife and I were talking about this.

[00:35:23] a couple days ago really I think the biggest suffering that comes for me personally is when I attach a timeline to my vision or my manifestation and so.

[00:35:40] I look back over twenty years and everything has really.

[00:35:46] come to fruition everything I've wanted has happened like there hasn't been one thing that I wanted when I was twenty one that I haven't accomplished yet and that's that's amazing now some of it you know if you look to me you're like you did you just didn't dream big enough but you know like fine alright whatever.

[00:36:05] I played small but I still got it all but in in reality I think when you actually put a timeline on things and expect the world to bend to that reality because time really is our own construct.

[00:36:24] I think ultimately that's where the suffering comes in and people forget that.

[00:36:31] this is just another leg in the journey that will ultimately unfold and they'll see how this perfectly matches where you're supposed to be.

[00:36:42] But if I told you where you are today when you were in finance it wouldn't have made sense like you it would have been like why would I do that you know like.

[00:36:52] And I think that this there's this misnomer that young people.

[00:36:57] I think five nieces and fused that are just starting their professional lives that will call it and.

[00:37:02] So to pass up on jobs or to just go after things.

[00:37:07] That are in complete alignment with where they think there gonna be at 50 or 60 is is not.

[00:37:14] It is not wise. I think sometimes they're just taking the opportunities and going after them and

[00:37:20] impouring into those, but knowing that it's just, it's almost like, right?

[00:37:25] It all, you know, there's this beautiful tapestry happening. What do you see when you're

[00:37:32] working with young people that really want to manifest money? But, you know, really are still at

[00:37:42] the beginning stage of their lives. How do you guide young entrepreneurs that are, you know,

[00:37:49] maybe only a few years into their business? Yeah, the whole, um, the timeline thing is it is

[00:37:56] dangerous territory and, and what we find, you know, with the benefit of being a little bit

[00:38:04] more mature is we look back and we go, man, that was actually perfect. That was exactly what I

[00:38:09] needed, even though I did had no clue at the time. And so, you know, it's, it's really great to

[00:38:17] just ditch the timeline and get back to a much more holistic vision of what we want to create.

[00:38:24] And then have trust in those day-to-day choices. You know, is it an alignment? Does it feel like

[00:38:31] it's my kind of thing? And let's see where it goes. And I think one of the benefits that the

[00:38:37] younger generation has over my generation is they are much more comfortable chopping and changing.

[00:38:45] You know, my daughter just moved into state she took a job before she got there. It all sounded

[00:38:51] good and like it was on the career path she wants to be on. And a couple of months into it she realized

[00:38:57] no, this was not going to be the case. She found herself a new job and she quit and I like,

[00:39:04] wow, I would not have had the guts to do that back then when I was her age. So I think that's a

[00:39:11] really awesome thing that the younger generation has in their favor. They're, they're much more

[00:39:17] flexible and trusting that things will work out. And I think maybe that we can take some of

[00:39:24] the credit for that because we've raised them differently to how we were raised. You know, we were

[00:39:29] raised very much with just be super cautious and stay safe in the cave. A lot of feeling. Yeah,

[00:39:35] a lot of fear. And you know, and we're like, well, sorry, I'm not trying to date you to my age.

[00:39:40] But I'm the 80s generation which is like, go for it. You can do anything. You know, and so

[00:39:45] with kind of sometimes over and still that in our children. And you know, some people complain

[00:39:51] that they have a sense of entitlement. But I think it's a good thing because you are entitled to

[00:39:55] have a great life. And you're entitled to have joy and pleasure. And then it's your job

[00:40:03] to take responsibility for that and figure it out. So I don't know if I'm answering your question,

[00:40:09] I had now shown. No, and it nailing it. So I think it's about, you know, learning to really

[00:40:17] learning to trust to be in the moment and constantly taking stock. So one of my favorite books is

[00:40:24] the power of now. I try, I have it on my bedside table. I don't read it to cover to cover any more.

[00:40:30] I used to once a year just go, cover to cover. But now tend to just pick it up and, you know,

[00:40:36] read a chapter and it just reminds me that if you're just in the moment, it's all perfect anyway.

[00:40:43] And it actually doesn't matter what your situation. And so that mindfulness and coming back to the

[00:40:49] now and just enjoying life, that's a trained response to life. And we need to really take

[00:40:57] responsibility for that, learning to just be in the moment now because like we've been saying,

[00:41:03] there's always going to be the next thing and the next thing. And trusting that whatever it is,

[00:41:07] you're getting out of this in hindsight, it will make sense. So that's why we have to take stock

[00:41:12] and look back and go, wow, that was perfect. Like I never, when I was an engineer and working

[00:41:18] in corporate would have been able to figure out how on earth that would make any sense in this business

[00:41:24] now. And even when I started this business, I still pushed against, you know, some of that background.

[00:41:32] Like in the beginning, I just wanted to really be a mindset coach and focus on that area and

[00:41:38] leave finance behind and leave engineering behind. And it was only when I stopped resisting all

[00:41:45] of that and allowing everything I'd learned from that and all those skills and that deeper understanding

[00:41:51] to come together, that I was like, well, shit, I was made for this. That's right.

[00:41:57] So every experience along the way is going to serve you in some way, shape or form.

[00:42:02] It's so funny because we were talking about earlier that, you know,

[00:42:07] I co-founded a company called Transition Staffing Group. And when I naturally wanted to get into

[00:42:15] I just enjoy talking and kind of riffing on ideas. And, you know, I've got this kind of intense curiosity.

[00:42:22] And so what I noticed is I was like, hey, all these years of interviewing people that we're looking

[00:42:28] for jobs was just like so well-suited. I would have never known at that time, of course, where

[00:42:34] this would lead to. But ultimately it's so well-suited because I was curious about other people's

[00:42:39] lives and what they're up to. And, but I had to do it on a resume, you know, where now with the podcast,

[00:42:46] it's a little bit more on like what people are doing and kind of what they're into into the world.

[00:42:50] And also their resume of achievements and everything else. But one of the things that I think is really

[00:42:58] fascinating about living presently and then also needing to plan for tomorrow because there's this

[00:43:08] it's crazy. My grandparents are our big motivator in terms of, I think we're a lot of fear

[00:43:14] came from. I didn't know as unconscious fear, you know, that played out in very subconscious ways

[00:43:21] for me. But essentially my grandparents when I interviewed them before they passed, shout out to

[00:43:29] their story core. So for anybody that's interested in, you know, recording the life of somebody

[00:43:38] else, story core is an awesome app. I'm not a sponsor or anything but, you know, what a beautiful

[00:43:44] experience that I sat down with my grandparents. And I asked my grandfather, they were not in a good

[00:43:51] spot. They had outlived their retirement savings. And so they had a very small little pension

[00:44:00] that unfortunately it was even less because they cashed out early, you know, shouldn't have done that.

[00:44:06] Took a buyout rather than, you know, a nice healthy long-term pension.

[00:44:13] There's still security was very, very minimal and was chewed up by medication in the US, you know,

[00:44:18] obviously, monthly medication for the enomic grandmother was a diabetic and so there was just

[00:44:25] all this stuff that chewed up their monthly budget. And when I asked my grandfather,

[00:44:29] an important question, I said, it did your life turn out exactly the way that you had planned it.

[00:44:37] And he said something, he said, I never, I never really thought of it, you know, like, I just

[00:44:45] kind of lived each day. And they had four kids and they were actually the sweetest grandparents

[00:44:50] in the world like the quintessential movie type grandparents. But I felt so bad in their later years.

[00:44:56] And so I really, I think this is a big thing for me with personal finance, whether you own a

[00:45:01] business or you are personally saving for financial freedom and financial independence.

[00:45:07] That this whole yellow thing or living for just today is awesome from one perspective, kind of what

[00:45:18] we're talking about here. But financially, you should really diversify, think about your future,

[00:45:26] put in place, you know, a plan to live a greater tomorrow so you can dream. The reason that you and I

[00:45:34] can have a little bit more fun and explore hobbies that can turn into financial opportunities is

[00:45:40] because we created enough financial abundance. That's a tough line to tofu, a lot of people.

[00:45:47] Don't you think of where it's lived for today but we plan for tomorrow? Well, it isn't.

[00:45:52] And I think it goes back to maybe where we started this whole conversation which is the,

[00:45:58] you know, the magical with the practical like the live for today being a line meant,

[00:46:03] you know, come from that place and filter your decisions and your choices through that lens.

[00:46:10] Versus the, you know, the old fashioned, you've got to save, you've got to be safe and all of that.

[00:46:17] And for me it's, you know, you asked the question before about how do we bring the two worlds together?

[00:46:23] And I think that when you approach each one, referencing the what's what will support

[00:46:32] the other then they actually really boost each other and you build amazing momentum. Like when

[00:46:39] you marry that magical with the practical, when you approach the way you manage your money

[00:46:44] through that lens of what's going to give me joy and help me feel like I'm living a truly

[00:46:50] rich life, it actually boosts that. And it boosts it on a few different levels like you're

[00:46:56] actually using your money in ways that like you are building financial abundance for the things

[00:47:01] that you know you want to be able to just do without having to ask permission. And because you're

[00:47:08] managing your money in a way that, you know, really works for you, it actually makes your magnetic

[00:47:14] to more, it makes your magnetic to see the opportunities and all the options that are out there.

[00:47:18] So when I, for example put the money management system together, it's not a one-size-fits-all

[00:47:27] in terms of, you know, he's the process and blah, blah, blah. It can be, however the most important

[00:47:34] part is there's certain principles and what I call, you know, the five commandments of magnetic

[00:47:40] money. And one of them is you've got to have fun money. You've got to have fun money but it's

[00:47:45] got to be, you know, part of the overall plan so that you know that you can enjoy this money

[00:47:51] guilt-free while other money is busy paying your bills or growing your wealth. So every dollar gets

[00:47:59] a job to do, you know, it's one of the mantras that we kind of go on and on about every dollar

[00:48:04] gets a job to do but some of those dollars their job is just to show you a great time and

[00:48:10] and so for a lot of people that can be a big adjustment and learning curve to go,

[00:48:15] or I can just, you know, go have a self-care day or, you know, go away for the weekend and spend

[00:48:21] this money and I don't have to feel bad or worried that maybe I should be doing other things with it.

[00:48:27] And again, that gets you to that mastering that or at least continuously being aware of that

[00:48:33] gets you to that place where you actually feel abundant in the now. It raises your vibrations

[00:48:39] shifts your mindset allows you to actually go, I am living a rich life. I'm doing it right here

[00:48:45] right now and at the same time I'm being financially responsible, you know, my wealth money is

[00:48:51] quarantined and my fun money is quarantined and each gets to do its job and its job only. And that's

[00:48:57] a huge, huge shift. So I think, you know, the earlier you start that, the better and, you know,

[00:49:04] I don't know how soon it's too soon but definitely, you know, before you leave school and get a job

[00:49:12] and a hand at a credit card, it'd be really great if everybody would just have the opportunity to

[00:49:17] sit down and figure that out because then we'd all be living things amazingly abundant lives.

[00:49:24] This is not something that some white people can't. It's the greatest gift you can actually

[00:49:28] give your children is, is the financial education, you know, because the the the opportunity

[00:49:35] that no one can give back to you we talked about time, you know, if you're going to use time,

[00:49:42] you need to use it for compounding, you know, you need to use it in your favor to allow, you know,

[00:49:48] your money to grow for you and if kids can understand the power of investing,

[00:49:54] in addition to power of saving, you know, there's so much opportunity there and I think people

[00:50:01] like yourself and myself where we are now just talking to our kids even at a young age. My kids

[00:50:08] are almost 11 and 14 and so we're at that stage where money means something to them, right,

[00:50:16] of where mom and dad just don't buy everything. Now it's it's their turn to save. And I think

[00:50:22] these these habits they stay with us and it's weird what you pick up as a kid and what you bring

[00:50:29] into your adult life and I wanted to touch upon something before we wrap up, you know,

[00:50:34] because I thought it was really fascinating on really money archetypes and this is something

[00:50:42] that I would love you just could give maybe a high level of what they are and maybe,

[00:50:49] you know, listeners might identify with, I know they will, you know, fall into one of the camps.

[00:50:55] Yeah, I love my money, have it archetypes and there, there are very simple

[00:51:00] a principle that I think everybody can just quickly identify with it. I actually do have a quiz

[00:51:05] people can go through to identify theirs but the whole premise is that, you know, more money doesn't

[00:51:12] fix the problem, more money doesn't change the pattern. So if you're somebody who's used to

[00:51:17] going paycheck to paycheck and that's your pattern, if I give you a bigger paycheck,

[00:51:22] you'll find more things to spend money on. There's always more things to spend money on.

[00:51:26] One of my students used to live in Dubai and, you know, the shop downstairs sold 24

[00:51:31] carrot iPad covers. So, you know, there's always more, there's a bigger private jet,

[00:51:36] there's a nice, a private island. So we need to change the patterns if we want to change

[00:51:42] the outcome of what's going on in our finances. And so recognizing those patterns is the

[00:51:47] starting point to then figuring out, well, what are those unconscious stories that are driving it?

[00:51:53] So if you're running an unconscious story that, you're never going to be safe, it's never going

[00:52:00] to be enough. Anything could happen at any time, then you're always going to be hoarding money

[00:52:05] and feeling like you're not safe yet. And I always remember Gay Hendrix talking in his book,

[00:52:11] The Big Leap about a billionaire client of his who argued with his wife about the cost of the toilet

[00:52:18] paper she was buying. It was like, why are you buying the expensive stuff? This is a guy who's

[00:52:23] net worse would fluctuate by 100 million or so in a day sometimes and that's what he was fixated on.

[00:52:30] So, you know, so I looked at that now and okay, well that's where we need to start. We need to

[00:52:35] start at what's your predominant money pattern? Are you somebody who, you know, just always

[00:52:41] goes money in equals money out or are you somebody who's always going to be hoarding some money?

[00:52:47] Or are you somebody who if I give you a, you know, lot of wind you're going to go and buy a

[00:52:56] Ferrari and borrow the rest. So that's really, that's it. There's three, right? There's the over

[00:53:03] extender, the spender and the accumulator. And everybody at face values says, well I want to be an

[00:53:10] accumulator because I want to accumulate wealth but if that's driven from that, you know,

[00:53:14] broke millionaires syndrome it's not a healthy thing and you will never feel truly at peace internally.

[00:53:20] So first of all figuring out what's your pattern that no matter how much money, what the sum is

[00:53:26] it's not going to change, you figure out what that pattern is and then from there you can start

[00:53:31] diving deeper into, okay, what's the story that's driving this pattern? Because that story

[00:53:37] informs all of your belief system. So I'm lazy and impatient and so I like to figure out hacks

[00:53:44] that kind of create a whole lot of change really fast. And if you look at all your beliefs,

[00:53:50] they're all part of a bigger story. The stories like the umbrella at the top and then all the

[00:53:55] beliefs just hang off of that. And so money habit archetypes is a really lovely, simple, elegant way

[00:54:02] to go right. What's my pattern? Or my patterns being driven by a story? So once I know the pattern,

[00:54:07] I can figure out the story. If I start changing the story, all the beliefs that are hanging off

[00:54:12] it have to change. Yeah, that is so true. This psychology behind it really is it's so evident,

[00:54:20] right? And I will put a link in the show notes for anyone that actually wants to, you know,

[00:54:27] get in and if none of those fit right off the start to you as far as an archetype,

[00:54:35] I encourage everyone to start with understanding who you are and your behavior. Because that

[00:54:41] really does show up in the way that we move and behave and interact out in the world. And I know

[00:54:49] even for myself, it's natural to say, hey, life will be different once I get 100,000. And then

[00:54:56] a million dollars, you know? And if you've been saving long enough, you'll get there in,

[00:55:01] you know, and beyond, in maybe a retirement account or in your business account. But regardless,

[00:55:08] it will not change how you see things because the yardstick will always move because

[00:55:14] whether or not we're, you know, in a life style, it inflated lifestyle because of time,

[00:55:19] you know, the adonic treadmill mindset. Or it's just life in general because now you have kids.

[00:55:24] And now you like to travel and you never thought you'd travel before, you know? So the number that

[00:55:29] you established at 20 is no longer what it is at 60. So there's always going to be a movement of

[00:55:35] the yardstick, even inflation, you know, whether you like it or not. And so if you don't fix that,

[00:55:42] if you don't get to the point where you understand you and your behavior and what triggers you,

[00:55:47] I think that is the key to life even beyond money. You know, if you're a person that gets triggered

[00:55:54] when somebody cuts in line, you know, like, where's that coming from? Because not everybody

[00:56:00] has triggered, right? You know, same thing goes with road rage, you know? Some people just,

[00:56:05] you're like, you're insane. But to me, that's not a big deal, but I don't have those same triggers.

[00:56:09] But to them financially, I could feel insecure with a lot of money and they might not. And so

[00:56:18] we're all walking around with different conditions based on, again, biology and our

[00:56:26] nurture, nurturing environment, right? Whatever you were exposed to by our family, friends,

[00:56:33] environment, you know, socioeconomic conditions that we saw and absorbed.

[00:56:41] But I think that's one of the reasons I was so intrigued to talk to you because I think it's so

[00:56:46] important in life to in business, you should have a coach whether or not it's a strategist

[00:56:53] working with you on expansion or growth or finances or manifesting and working with your money,

[00:57:03] and if you were in sports, you'd have somebody working with you, not even on skills,

[00:57:09] but on psychology of just dealing with pressure and losses and crowds. You know,

[00:57:19] watch these professional golfers and I'm like, I can't even imagine. Let alone the camera crew

[00:57:23] forget it. But 200 to 500 people watching you drive a ball down the fairway,

[00:57:31] it's like my worst nightmare. It's like I have no interest whatsoever in doing that, but

[00:57:37] that didn't just come naturally to them. Like the first time you go off, you've never had 500 people

[00:57:42] like that. So you had to work up to that and eventually you're probably working with other

[00:57:46] professionals that are helping you get there, the best of the best I know are. So that's why I was so

[00:57:51] intrigued and I thought, you know, what you're doing, Miriam is super cool and I think everyone,

[00:57:58] whether they're working with you or someone else needs to level up their game and understand

[00:58:05] where their behavior comes from. And once you get that under control, I think it just makes things

[00:58:11] much easier in life, you know? Yeah, absolutely. Once you start to recognize that

[00:58:18] I can do things that change not just my external world but my internal world. And I've just

[00:58:26] changed this game completely and life just becomes full of joy and wonder. And I think that's a

[00:58:33] really cool place to be. Absolutely. Well, I won't get into it. Well, you know, another time

[00:58:39] we'll talk about, you know, simulation theory and the life that we're living in and, you know,

[00:58:47] the reality of all of this, but I think it always stems back to the the the projection of our

[00:58:56] experiences and our expectations. It really does come back to a space of when you're healthy

[00:59:03] and you project out something beautiful. You typically see the world that way and things

[00:59:12] I don't know if they bend that way or they just are that way for you because we're all

[00:59:17] experiencing a different reality simultaneously, you know, your reality from this meeting is going to

[00:59:23] be different than mine even though we're both doing it together and it's it's wild. And it's so

[00:59:28] much bigger than just this conversation right now but um I want to make sure that you know,

[00:59:35] I appreciate you. I will put everything in the show notes in terms of where people can find you

[00:59:40] and links and all the goodies but do you want to share real quickly on anything that you want

[00:59:49] the listeners to focus on or where they can find you? Okay, so thank you for putting all those

[00:59:56] links in the show notes. I think that if somebody's listening and they're thinking, well,

[01:00:02] but I really just need to figure out how to get my money organized and they can jump on Amazon

[01:00:07] and get this book which is very easy and it even includes worksheet so that you actually go

[01:00:12] through it and set up your whole money system through that lens of, you know, what's going to

[01:00:17] allow me to feel abundant and build personal wealth. And if you're interested in the, you know,

[01:00:25] what's making me tick really that quiz that we mentioned is a really good starting point. It'll tell

[01:00:30] you which of the three archetypes you are and then if you want to opt enough to that,

[01:00:35] depending on which one came up, I'll send you some emails with prompts and questions that

[01:00:41] allow you to dive into figuring out what those underlying patterns are. And just as you were talking

[01:00:48] then sure, I was reminded of one of my clients after one of our sessions ended up putting a poster

[01:00:53] on the wall opposite her that said, everything on the outside of me is a reflection of what's going

[01:00:58] on inside of me. And I think that's a real, you know, big one for everyone listening to take away

[01:01:06] from this conversation today which has been that huge. That's huge. Thank you for your time.

[01:01:11] In the book you held up was the five minute money management system for anybody that's just

[01:01:15] listening not watching but appreciate you Miriam and until next time everyone's stick curious

[01:01:22] and I appreciate you too. Bye. Bye.