Rewiring

Thank You!

Today, in the spirit of Thanksgiving, I’m taking this opportunity to say Thank You…

…to all of you who are reading this blog, even if it’s the only time you ever do, I truly appreciate you reading it today.

…to everyone who’s ever written to tell me how my work has impacted your life, you have no idea how your words have impacted mine. In fact, your notes and emails are tucked in a box beside my desk.

…to anyone who’s bought my books and perhaps passed it onto a friend, this means more to me than you can ever know.

…to those of you who’ve joined my groups or signed up for coaching, I’m endlessly grateful you trusted me to guide you while teaching me to be a better guide.

…to my amazing team—Lynda Jo, Carney, Jayme & Ben—for taking care of all the details I abhor and for supporting me in such a deeply loving way. I really would be lost without each of you.

…to my ex who gambled away my inheritance and my father who wouldn’t lend me money, you taught me that, indeed, the obstacle is the path, leading me straight to my life’s purpose.

…to my wonderful financial team, because despite current events, my portfolio has more than doubled since I first found you.

…to McGraw Hill, the publisher who said yes to my latest book, when all the other said no.

…to my kids and grandkids who are coming to spend Thanksgiving with us. Truly, my cup runneth over.

…to my beloved husband who rarely lets a day pass without expressing his love, appreciation and support for me.

Once again, from the bottom of my heart…THANK YOU ALL!

I’d love to know who’d you like to thank this holiday season. Leave me a comment below.


I’m so excited! My newest book Rewire for Wealth is available for preorder. And, if you order before January 12th, I have some fun bonus gifts for you. Learn More!

Build Wealth—Even in Challenging Times!

Aspiring to wealth, these days, may feel like a ridiculous fantasy.  After all, we’re in the middle of a recession caused by an unprecedented pandemic.

But consider this. Historically, after every downturn, there are always those who manage to prosper over a period of time. Why not you? The question is ‘how?’

I believe, Thomas Stanley, in his bestselling book, The Millionaire Next Door, gives us the answer: “Before you can become a millionaire, you must learn to think like one.”

Here’s what’s crucial to understand. You don’t need a huge salary or a stingy lifestyle to accumulate wealth.

My Journey Through Fear (Thanks to A Course in Miracles)

I’ve always been an upbeat person.  But these past months have cast a dark pall over my positive attitude. I’ve been feeling fragile, fearful, unsettled.

Finally it dawned on me. I need to surrender in stillness to receive guidance from a higher wisdom.

Almost immediately, a lesson from A Course in Miracles came to mind—You can see peace instead of this.

Huh??? How can I possibly see peace in a world filled with frightening and depressing events?

But I remember the Course’s primary teaching.  Our minds have two “thought systems” or two distinct voicesthe voice of fear (Ego) and the voice of love (Soul). “There is no compromise between the two.”

Don’t Let Your Brain Be The Boss!

Quick. Pick one. Which would you rather have: (A) Higher earnings or (B) More in savings?

I’m guessing you went for (A). Most people do. We tend to be far more concerned with increasing our income rather than growing our net worth. But hey, it’s not our fault. That’s how our brain is wired.

A recent Cornell University study discovered that our brains are biased toward earning and against saving. Perhaps it’s the immediate gratification our paychecks offer while socking away savings feels about as gratifying as watching grass grow

“Fundamentally it comes down to this,” the study reported. “Saving is less valuable to our brains, which devote less attentional resources to it. Our brains find saving more difficult to attend to.”

If ever there was a strong case for rewiring our brains, this is it. Fixating on earnings can be fool hardy. I call it the Illusion of Affluence. I see it all the time with successful women. Their significant earnings give them the illusion, but not the security, of true abundance.

It’s a fact. Wealth doesn’t come from what you earn. Wealth comes from what you save. But wait…getting rich isn’t the only reason to be a saver.

Consider the title of a 2016 study: “How Your Bank Balance Buys Happiness: The Importance of “Cash on Hand” to Life Satisfaction.” This study, as reported in What the Elle (my favorite financial newsletter), found that higher savings is a better predictor of happiness and well-being than hefty incomes.

Add to that the result of the 2018 Ellevest Census: “The #1 confidence booster for women is saving and investing (63% of women ranked it over things like salary and education).

The message is clear. Don’t let your brain be the boss. Instead, train your mind to rewire your brain to focus on savings rather than obsessing about earnings. (If you haven’t read my free ebook, The Rewire Response, you can get on this page.)

Which would you choose: (A) A big fat paycheck or (B) lots of money set aside? Leave me a comment and tell me why.

Is Money Your Drug of Choice?

How often do we use money, like Novocain, to numb the pain in our lives or the pressures at work? Instead of making things better, spending just gets us deeper into trouble.

Yet we justify our shopping sprees with thoughts like, “I’m going through a divorce. I deserve this,” or “I hate my job. At least I can enjoy my life.”

The real problem: we’re not honest with ourselves. Our denial produces considerable debt.

Getting out of denial is a prerequisite for prosperity. Credit card debt is insidious, but not insurmountable.

Making minimum payments can take 30 years or more to pay off (because 75 percent of what you pay goes toward the accumulating interest).

However, I’ve interviewed hundreds of women who have risen from the ashes of their once reckless spending. They did so by taking a series of steps: 

  • They sought help (a book*, counselor, or support group like Debtors Anonymous)
  • They stopped using credit cards (no exceptions, no excuses)
  • They lowered their interest payments (negotiating with creditors or transferring the balance to a lowered interest card)
  • They got crystal clear on their expenses (writing down everything they spent)
  • They stopped overspending (by putting their expenses into categories, they saw where to Shave and Save)
  • They followed a plan to pay down their debt (www.nfcc.org can help)

What are you doing to get out of both denial and debt? Share here.

*I highly recommend How to Get Out of Debt, Stay Out of Debt & Live Prosperously by Jerrod Mundis (based on the principles of DA)

Beware of Always Wanting More

I’ve spent most of my life yearning for more…more money, more success, more sales, the list goes on.

I proudly considered my perpetual wanting a healthy sign of a robust ambition. Until I began studying neuroscience and realized how truly unhealthy this kind of thinking actually is.

Here’s why: We literally sculpt our brain by what we dwell on. The more we think a thought or feel an emotion, the stronger that neuropathway becomes in our brain.

By constantly hungering for more, I was inadvertently telling my brain “I don’t have enough.”

The more I repeated that thought, the stronger the “not enough” neuropathway grew, until I’d unconsciously do things that kept reinforcing my experience of ‘not enough.’

Slowly it dawned on me. How can I expect more, if I was repeatedly focused on what I had not yet attained? Clearly, I needed to shift my focus to rewire my brain.

I decided to experiment. Every time I felt myself coveting anything, I stopped, took note and shifted into appreciation for what I currently had.

The Power of Letting Go

A long ago memory came to mind today. I was living in Kansas City, raising two little girls, running a thriving career counseling firm. Business was hopping, but I wasn’t happy. I was longing to live near water and write.

Huh??? I’d never written anything. And there was no water in KC (at least none that I’d want to live near!). Why would I give up a flourishing business, uproot my kids, leave behind a network of friends and reliable babysitters? 

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I Know What To Do! So Why Don’t I Do It????

Could this be you? You’ve read a ton about investing, attended some classes. You understand stocks, bonds, and the value of diversification. You own a few funds in your retirement account.

Still, you continue to ignore or neglect your money, even though you know better. Why?

Blame it on traditional financial education…where the emphasis is on filling your head with facts rather than fostering your courage to change.

Raise your hand if you’ve ever been given the tools to boost Self-Efficacy, the most powerful predictor of financial well-being. (I didn’t think so.)

Self-Efficacy—a concept developed by the Stanford psychologist Albert Bandera—is a person’s belief in their ability to succeed in a given task or goal.

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Don’t Even Try to Have It All Figured Out!

Guess what the biggest roadblock is to your success? Those devilish how-tos. You know, thinking you have to have it all figured before you begin. Because that’s exactly what slows you down, or keeps you stuck

Those who have the most trouble thinking bigger are the ones who have to know exactly how they’re going do it. And if they can’t figure it out, they lower their sights.

I was in this category most of my life…until I interviewed six-figure women. 

I learned from them a three-step plan. 

  • Set a goal.
  •  Commit to reach it (without knowing exactly how).
  •  And grab hold of any unexpected opportunities that fall in your lap.

The second step is where the power is. Commitment, like a magnet, attracts coincidences. I always say, once you commit to a goal, if you’re not experiencing coincidences, go back to the drawing board. You’re obviously not totally committed.

That’s the way it happened for me. In 2008, I decided to earn $125,000. When I told my now ex-husband, he burst out laughing. I did too. It sounded ridiculous coming from a chronic underearner.

I had no idea how I was going to do it. But as I learned from the women I was interviewing, I didn’t need to have a full blown plan in place.

I just needed to take advantage of synchronicities. Of course, coincidences always lay just outside our comfort zone.

Here is the real secret to success: let go of control and do what comes next, especially if you’re scared to death to do it.

What are you scared to death to do? Leave me a comment below!

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Your Brain on Savings

There’s actually a positive side to being stuck at home. Personal savings have skyrocketed. But my guess is that when the pandemic passes, savings will plummet.

The fault may lie in our brains.

A recent study by Cornell University neuroscientists discovered that our brains are biased toward earning and against saving. Perhaps it’s the immediate gratification our paychecks offer while putting aside small amounts feels about as gratifying as watching grass grow.

“Fundamentally it comes down to this: saving is less valuable to our brains, which devote less attentional resources to it,” said the co-author Adam Anderson. “Our brains find saving more difficult to attend to.”

Yet fixating on earnings can be fool hardy. I call it the Illusion of Affluence. I see it all the time. Successful women spending too much, saving too little, plowing all profits back into their businesses or on classes for personal growth (deceptively calling it “an investment”).

Their ample earnings gives them the illusion, but not the security of true abundance. The real measure of wealth is your net worth…not what you earn but what you keep.

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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