Success

Has It Clicked Yet?

I call it the Click. It’s that ‘aha’ moment when you recognize, with every fiber of your being, that you deserve to earn more for no other reason than you’re worth it

Without the Click, upping your income can be an uphill battle. But once you realize how capable you are, how much value you offer, barriers that once felt insurmountable will begin to disappear.

You see, there is a direct correlation between your level of self-esteem and the amount that you earn.

Virtually every high earner I interviewed for my books swore money was not her primary motivation. But at the same time, she fully expected to be highly compensated because she knew she was worth it.

How do you build that kind of self esteem? How do you access the Click? Simply put: Do
what you dread. 

That’s probably not what you wanted to hear. But trust me, there’s no better way to boost your confidence than by doing what you are scared to do or don’t believe you can do.

A Grand Experiment in Mind Training (And A Gift to Support You)

I spent New Year’s Day mulling over goals. Normally, I come up with a fairly long list of things I want to accomplish over the next 12 months. This year, however, I decided on only one.

Neuroscience research has convinced me that this single goal is so astonishingly powerful, that if I stick to it—and I fully intend to—will produce profound changes in my life. And yours too if you care to join me.

My one goal for 2021 is: Whenever I notice I’m having a negative thought, I will immediately replace it with a loving one.

Words are powerful. Language literally shapes our brain.

Whatever you repeat often enough—whether the words are in your head or come out your and mouth, even if they are a lie—your brain will hold as truth, your words become self-fulfilling prophecies and your behavior will follow suit.

Case in point: How drastically different conversations are with high earners than with their lower paid peers.

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Why Your Brain Thinks You’re an Imposter

I clearly recall interviewing over 150 high earners for my book, Secrets of Six-Figure Women. I expected these women to be extremely confident. And they were indeed.

What I didn’t expect was how many struggled with crippling fear, chronic self-doubt and felt like a fraud, terrified others would find out—The Imposter Syndrome

That was exactly how I felt. But there was a difference between them and me at that time. They didn’t let fear and inadequacy stop them. Their courage inspired me.

In fact, after one of those interviews, I grabbed a blank piece of paper and wrote, in red crayon: “Do What You Fear. That’s How You Succeed.” I framed it and put it on a table across from my desk where it still stands today.

Now, decades later, I look at those words and realize I need to add a critical caveat: “But Don’t Forget to Rewire.”

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Investing During a Pandemic…Isn’t it too Risky?

Yes we’re in a pandemic. Yes, investing now may feel very risky. But understanding risk is what makes you wealthy. And so few people actually get it.

You want to know your most dangerous risk? It’s not the market’s gyrations. It’s your emotional reactions.

The emerging field of neurofinance has proven that most investors, regardless of gender, tend to act on emotions, not rational thinking, when making financial decisions.

The reason? Our brain registers risk even before we’re conscious of it. Consequently we tend to make rash decisions that rarely end well, even if we know better.

So when markets take a tumble, our emotions, especially fear, take over. And we make very bad decisions. It also happens in reverse.

A Spiritual Approach to Financial Angst

I woke up this morning, with an almost obsessive thought. It’s time to preach the gospel of the Metafiscal.

Metafiscal, a word I coined, blends financial knowledge with metaphysical principles, melding the spiritual with the practical in regards to money. You don’t have to be religious to be Metafiscal. I’m certainly not.

But I do agree with Deepak Chopra who said, “We need a more spiritual approach to success and to affluence.”
Especially in the midst of so much financial angst and upheaval.

It’s no accident that “In God We Trust” is emblazoned on our currency. God can be whatever you’re comfortable with—a personified deity, a Higher Power, your inner wisdom or an all-encompassing energy far greater than our earthly selves.

When I was going through my financial crisis, with a million-dollar tax bill and no money in the bank, I was sure God had abandoned me. But eventually I realized, it was me who had abandoned God.

“When you think God has not answered your call,” declares A Course in Miracles, “you have not answered His.”

I did as the Course instructed. “Learn to be quiet, for His Voice is heard in stillness.” I spent hours in prayer, meditation, along with learning about money. Over time, the veils began to lift. Slowly I took the financial reins, and shockingly, I actually enjoyed the process.

I’m convinced that healing financial angst is not meant to be a solitary journey. When you focus on communing with the Divine, requesting guidance, developing a deep sense of trust in the inexplicable forces of the Universe, along with studying the practical facts, everything changes.

Financial success becomes a transformational journey, a sacred initiation, empowering you to become all you’re meant to be and to do what you’re put on this planet to do.

I’d love to hear how you’ve combined the spiritual with the practical in your financial journey. And if you haven’t, do you think it might be time? Leave me a comment below.

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)

National Women’s (semi)Equality Day

Today is National Women’s Equality Day. Exactly 100 years ago the 19th amendment was passed, giving women the right to vote.

Honestly, I know I should be celebrating this victory. But I’m having a hard time getting in the mood.

Hey, don’t get me wrong. I’m beyond grateful to those gutsy, courageous suffragettes.

But in the last few days, I listened to a Ted Talk by one of my favorite actresses, read a WSJ profile of an acclaimed microbiologist and coached a high level executive…all of whom wearily spoke of their struggles with sexism.

Clearly full equality is far from won. The Equal Rights Amendment, proposed in 1923, has yet to be ratified. Face it, we can’t rely on the government to level the playing field for us.

If we want a seat at the table, it’s our job to take it. We can start by becoming the change we want to see in the world.

Are You Really Playing Full Out?

In work, as in life, there are only 2 games you can play. One is To Win. The other is Not To Lose.

Which one are you playing? (Be honest, now!)

In order Not to Lose, you must focus on playing it safe. That means looking good, staying comfortable, avoiding anything that could possibly be scary, awkward, embarrassing or (gasp!) lead to failure.

To Win, you must play full out. That means once you start, you just keep going as far as you can with all that you’ve got. And when you fall down, you get back up and keep going.

Problem is, it can be tough to tell which game you’re playing. There are times when I swear I’m giving my all, but later it hits me. I was fooling myself by holding back (even just a tiny bit means I’m playing it safe).

I devised the following list to help assess if you’re really playing to win. 5 Signs I’m Playing Full Out (check what applies to you).

  1. I know what I want and am committed to getting it. (And if I don’t know, I devote time and energy to figuring it out).
  2. I’m so focused on my vision that I don’t get distracted (at least not for long) by irrelevant, draining, or conflicting tasks.
  3. I’m willing to experience whatever it takes—defeat, discomfort, even humiliation—to achieve what I want.
  4. I don’t say ‘yes’ when I really want to say ‘no,’ even if it means upsetting another.
  5. Every time I’m afraid to do something, I force myself to do it anyway. (And I catch myself when I justify not doing it.)

I’d love to know: How many did you check? Is there anything you’d add to this list? Leave me a comment below.

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How Do You Know if You’re Financially Independent?

In the spirit of the 4th of July we recently celebrated, I have a question for you. Are you financially independent? 

I’m curious how many of you responded with a resounding YES! But I’m guessing many of you are either shaking your head ‘no’ or furrowing your brow, wondering if you are.

Let me clarify.

You are Financially Independent if you have enough to meet your needs and satisfy many (not necessarily all) of your wants…free from the stress of overdue bills and struggling to make ends meet.

Financial Independence has nothing to do with how much money you earn, but how much money you keep. You achieve it by spending less than you have and saving more than you need.

But for some of you, spending less and saving more is akin to self-imposed poverty. I’m reminded of an email I once received…

“How can I SAVE money to create wealth (which means cutting back spending) and still have a feeling of ABUNDANCE (which means the desire to SPEND) and not a mentality of LACK?” 

In her mind, spending provided the pretense of prosperity while saving felt like self-denial. 

To someone with a wealthy mindset, saving means giving the money to yourself (not Visa or Starbucks) so that ultimately you can purchase whatever you please without pressure or worry.

The difference between the two mindsets is not deprivation but delayed gratification. 

I remember, as I struggled to clean up my financial mess, my mentor, Karen McCall, saying to me, “It’s ok to have massages, but what if you had one a month instead of every week, and deposit what you would’ve paid into your savings?” 

I followed her advice. And because I did, I gave my future self the gift of financial independence.

What could you do to give yourself the gift of financial independence? Leave me a comment.


Financial independence is easier with support. Join my virtual community, The Wealth Connection today! Learn More.

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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