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Rule of the Rollercoaster

Time Is on Your Side

“There has literally never been a 20-year period in the past century or so that has resulted in a negative return for stocks, so investors with the patience and constitution to see their portfolio through an admittedly rough start to the year should be rewarded regardless of the gloom and doom.”— (1/15/16):

You can’t predict what the market will do. No one can. But you can stack the odds in your favor. One way is by Respecting the Time Factor.

Stocks will fluctuate. It’s a fact. They go up, they go down. Even the very best will take some tumbles. But market fluctuations only matter when you sell your holdings. It’s the Rule of the Roller Coaster: You only get hurt when you jump off.

You can protect yourself by Respecting the Time Factor.

Here’s how:

  • Money you’ll need in the next 3 to 5 years should be in cash (so you don’t have to sell when the market is down).
  • Money you’ll need in 5 to 10 years can be in conservative stocks and bonds.
  • Money you won’t need for 10+ years can be in more volatile stocks, bonds, real estate or even commodities, because you have more time to ride out the highs and lows.

If you enjoyed these “Words of Wealth”, head over to my website and sign-up for my FREE weekly newsletter at:

Sacred Success

How Do You Know When You’re Really RICH?

Here’s an interesting question. How much money does it take to be rich? What would you say?

Of course, you may argue, there’s more to being rich than having money—there’s love, health, freedom, etc. All true. But for the purpose of research, let’s stick with a specific figure. How much money do you think you need to feel rich?

Despite a myriad of studies, no one can agree on a single number. The responses range from a mere $1.4 million to a whopping $100 million…and everything in between.

One thing that struck me. The amount is always more than the respondent had. As one researcher put it, “People always give a number that is twice their current net worth or income. Those with $100,000 in income say $200,000, while those worth $5 million say $10 million.”

This got me thinking. There’s no universal number because ‘rich’ is an attitude, not an amount. When you can say “I have enough to live my life on my own terms,” you can, indeed, call yourself rich.

Spending Exercise, Part II

Spending Exercise Part 2

Create a chart of all your expense categories: mortgage, car, groceries, dining out, entertainment, child care, insurance, medical, etc. Include categories you might be neglecting, like vacations, clothing, personal care.

You can do this either by hand or on the computer, using programs like

Record every expenditure, down to the penny, putting them in their respective categories. At the same time, record incoming cash, and where it’s from.
Ask yourself these questions:

  • How did you feel doing this exercise?
  • Did you notice any resistance to doing this?
  • Did you discover anything you didn’t expect?
  • Did you make any changes? What are they?
  • Do you see where you can make cuts to your spending?

What’s Really at the Root of the Financial Crisis?

In the 21st century, women will change the nature of power rather than power changing the nature of women.”

—Bell Abzug


The headline of a recent article in Bloomberg Business Week caught my eye: “ Is the Financial Crisis a Male Syndrome?”

Could it be,“ the authors ask, “ that male domination of market finance results in excessive speculation and risk-taking at the expense of global stability?”

Ya think?? Clearly, the guys have been calling the shots.  No surprise there.

What surprised me most—the co-authors were both men!

I was heartened to know there are a few enlightened men (including the Dali Lama)  who are waking up to an obvious truth.

Excessive testosterone is running the world, which as these authors admit, leads to greater aggression and risk taking (ie. Global  wars and financial crisis)

The solution?   “Gender rebalancing.” With more women in power, the authors insist, we’d see  enhanced risk management , less volatility,  improved financial markets  and better ambiance in the office.

No argument from me! But here’s what I want to know.

Who’s going to do the rebalancing? What’s it going to take to get more women in power?

I ask this question with a sense of urgency…but without a clear answer.

Face it, no one is going to do it for us.  If we want a seat at the table, it’s our job to take it.

How? We can begin by having the conversation among ourselves.  We can begin by becoming the change we want to see in the world. Call it a grassroots effort…a personal challenge.

What if each one of us starts by noticing where, in our own life,  we are giving our power away and consciously strive  to take it back?  What if each one of us starts speaking up, making sure our voice is heard…and respected?  What if every one of us asks for and offers to help each other in this endeavor?

I truly believe, if enough women step fully into their own power, we’d see a giant ripple effect  on the global landscape.

What do you think?

To the 99% Who are Pissed Off!

Dear Occupy Wall Street protester,

I share your frustration. And I agree with your premise: economic inequality, Wall Street excess and corporate greed are appalling and unacceptable.

Might I make a suggestion? Maybe there’s a more potent way to produce change.

What if you took at least a portion of your fury and redirected it toward  the only place real change can ever occur, the only place you truly have power…yourself.

What if you focused some of your energy into becoming part of the top 1% yourself…then  change the system as an insider? In other words, become the change you want to make.

Don’t you ever wonder why the rich keep getting richer? Doesn’t it seem curious that no matter how bad the economy, there are still people prospering?

  • Despite the financial crisis, the number of millionaires in the United States rose a whopping 16 percent to 7.8 million in 2009.
  • The top 10 percent of Americans now earn around 50 percent of our national income.

Admittedly luck plays a part. But based on my research, I found 2 other factors, just as important, and far more in our control.

When I studied women whose net worth grew substantially, I discovered they followed a 2 prong process–the Outer Work and the Inner Work of Wealth.

I’m not saying it’s easy…or without challenges. But from experience, I know it’s possible. As I learned firsthand, financial success is much more in our control that we realize.

Besides, what do you have to lose? I mean, it’s worth a try.  Here’s what you do:

The Outer Work of Wealth—be vigilant in following the 4 Rules of Money

  1. Spend Less. Never spend more than you earn. Stop using credit cards.  Start repaying your debt.
  2. Save More. Pay yourself first. Sock away enough to cover unexpected emergencies, a half year of living expenses, and some fun stuff like a vacation or new pair of shoes.
  3. Invest Wisely. At least part of your money must be in assets that will grow faster than inflation and taxes. Educate yourself so you make investing decisions from knowledge, not fear, ignorance, or habit.
  4. Give Generously. But only after you’ve built a solid financial foundation. Otherwise you’ll jeopardize your future security, and diminish the impact you can make with your money

The Inner Work of Wealth—explore your attitudes, beliefs, decisions you’ve made about yourself and money that may be keeping you stuck in the 99%. I’ve got a ton of resources on my website.

Please, don’t stop the protests. But as Gloria Steinem put it: the revolution must start from within.


5 Words Say it All…

I’m flipping through the Wall Street Journal, when 5 words practically slap me in the face. I’ve no idea what the article was about. But the phrase super-glued itself to my brain.

“The Survival of the Focused…”

Those 5 words sum up the Big Secret to mega financial success.

Those 5 words mark the major distinction between an Underearner and a High Earner.

Those 5 words capture the very essence of what it takes to achieve Greatness.

And for anyone who’s struggling to make ends meet, or live their dream, I say heed those 5 words.

I’m convinced these 5 words offer the key to not just surviving, but thriving, in this new economic paradigm.

This may sound weird, but I’ve always considered myself blessed with an unfair advantage. I’m only good at and enjoy doing 2 things: writing and teaching. Period! I understand why so many with far more skills than I often feel stymied.

Focusing can be very frustrating for the multi-faceted or multi-gifted. But if you want my advice–prioritize your passions. No matter how many interests, talents, opportunities, or possibilities are available to you, financial success will go to the focused.

Do you agree? I’d love to hear what you have to say. Please leave me a comment below!

Anyone Understand ‘Financialese’?

Have you ever met with a financial advisor, and wished you had a translator?  My sister and I, spouses too, have spent the past few months interviewing various advisors for some family trusts.

Nice people, all of them. But once they got started talking, they were suddenly speaking a foreign tongue.

I thought I knew this tongue. I really did. I’ve written 5 books about money. I even wrote one on Finding a Financial Advisor You Can Trust.

But these folks, at various points in the discussion,  had my head reeling.

At first, I was a bit embarrassed. I mean, I should know this stuff, right?

Then it hit me. No wonder so many women aren’t getting the financial help they need. One conversation with an advisor and their heads are reeling too. And most of them just want to put their reeling heads right back in the sand.

Consider this blog (in part) a Plea to Professionals. C’mon, you guys. Speak in plain English. And then check in with clients at frequent intervals to make sure they’re tracking.

But, truth is, I don’t hold out much hope.

And the truth is the onus is on us. I am a Big Believer in working with professionals…be it for a root canal  or retirement planning.  And sometimes the latter can be as painful as the former! But it doesn’t need to be.

Not if we’re willing to speak up,  ask for clarification, and keep asking until we understand.

It all boils down to this. If  you don’t understand  ‘Financialese,’ it doesn’t mean you’re stupid.  It’s simply a sign to ask more questions.  The payoff is clarity. But, I’m here to tell you, the real reward is how powerful you’ll feel for standing up for yourself.

Can you relate to this post? You can tell me about your conversations with a financial advisor by leaving a comment below.

STOPPING The Oh-So-Subtle Self–Sabotage

In my previous post, I played true confessions.  I fessed up that, years ago, I constantly put myself down…without really knowing it!

I have a hunch many of you do the same.  And believe me, self depreciation is a subtle but serious form of self sabotage.

I’d like to share what I did to stop. It wasn’t easy. I’m far from perfect. But success is so much easier since I curtailed my self-criticism and began acknowledging my value.

Here’s my 3-point plan to Stop Self Criticism—Observe; Brag; Find Spotters.

  1. I started by observing my conversations. Every time I heard me belittling myself, I stopped. Literally stopped, mid-sentence, and force myself to say something positive…even if it was just ‘thank you.’
  2. I started bragging (thanks to Mama Gena’s School of Womanly Arts). I mean, I actually prefaced sentences with “I brag…” and then tooted my own horn.
  3. I shared my goal with a few close friends, asking  them to spot me by pointing out my more subtle put-downs. They had no trouble catching me in the act.  Their feedback was quite effective.

Admittedly, these steps, at first, felt ridiculously uncomfortable, completely awkward. But gradually, I began to notice something.  My self-derision all but disappeared. And I felt much better about myself.

I’m here to say, I swear it’s true–what you share, you definitely strengthen. Please leave a comment below on how these steps support you in achieving greatness.

The Talk!

I think it’s time we have The Talk. Don’t you? You know, the one about the Legacy you wish to leave. It’s a subject that deserves serious thought.

Leaving a Legacy is how you achieve Greatness. It goes right to the core of why you’re here and the mark you wish to make on the world you leave behind.

Some of you know exactly what it is. Mine, of course, is that there are a lot more financially empowered women running this country as a result of my work. And a lot fewer abused women who can’t afford to leave their abuser.

But many of you may be scratching your heads, wondering, ‘huh, what’s mine?’

Your legacy doesn’t need to light up the sky. It could be the tiniest footprint in the sand. All that matters: your legacy reflects your purpose fulfilled.

Need help? Try this exercise.

Imagine that it’s far in the future. You are lying on your deathbed. You’ve lead a long and meaningful life, but it’s now drawing to a close. As you lie there, you begin to review your past. What gave you the most satisfaction, outside of your family, to know this is what you’ll be remembered for? It need not be limited to one thing, either.

Once you pinpoint what it is, come back to this moment. Then ask yourself: What can I do right now that will contribute to the legacy I wish to leave?

Please share below by leaving a comment…I can’t wait to hear your insights.

Wanna Find True Power?

I’ve been blogging about Sacred Success for almost a year. My purpose: to show you how to create Affluence—in a way that is meaningful to you and beneficial to others—by doing what you were put on this planet to do.

In review, Sacred Success unfolds in 4 Stages:

  1. Stage #1: responding to the Call to Greatness
  2. Stage #2: receiving consciously, surrendering to what is
  3. Stage #3: pursuing your highest purpose by exercising discipline.

We’re now at the 4th and final stage: leaving a legacy by modeling Greatness.

The truth is, we are always modeling something: either Greatness or Mediocrity (often disguised as Grandiosity).

Most people, as you can guess, are modeling Mediocrity. Why? Because it’s easy. All you have to do is stay in your comfort zone.   But to  model Greatness, you must  recognize your value, live your Purpose , leap into the unknown, let your light shine, and  leave your mark on the world.

This 4th stage is where Real Power lies. I believe when enough Enlightened Women, (along with enlightened Men) come together to model Greatness, our collective legacies will change the world, heal this planet. It all starts with each one of us.

Have you thought about the legacy you wish to leave?

Need help? I’ll share some tips in my next blog.

Until then leave a comment below about which stage in Sacred Success you are navigating right now.

Meet Barbara Huson

When a devastating financial crisis rocked her world, Barbara Huson knew she had to get smart about money… and she did. Now, she wants to empower every women to take charge of their money and take charge of their lives! She’s doing just that with her best-selling books, life changing retreats and private financial coaching.

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