My Money Coaching Philosophy

Eby, Deborah & Meengs, Karen
The Holistic & Metaphysical Resource Book for Maryland, Virginia and Washington, D.C.
Over The Cliff Publications, Inc
October 14, 1997. 1st Edition

Prosperity Consciousness

Prosperity consciousness is the recognition that we live in a world unrestricted wealth and magnificence. There are unlimited pieces of the prosperity pie available to everyone. Wealth is not finite. Getting a slice of prosperity pie doesn’t make everyone else’s piece smaller. Money is a physical reflection of energy, and there is plenty to go around. It is possible for all to live in the flow.

Money is also a reflection of inner consciousness. If thoughts create a person’s reality, then the idea of prosperity must be present in a person’s attitude in order for the flow to begin. Every person’s experience with money is created by and within that person – not the outside world. A practice of trust and appreciation for one’s resources and blessings is a key feature of this awareness. As pointed out by Mary Patsel, a financial consultant in this field, “a person’s dharma, karma, life experience, disposition, curiosity, and willingness to consider new ways of Being in life will color his perspective and experience with wealth.” When fear and worry surround the ability to receive money, the flow of abundance is blocked. Fear actually interferes with the ability to create it. “Prosperity consciousness develops from eliminating worry, by developing an attitude of gratitude and an appreciation of all experiences, and by trusting in the Universe and in each person’s inner resources.”

The flip side of prosperity awareness is poverty consciousness, or the intentional focus on the grip that money has over one’s life. It comes from past-life or present-life vows of poverty from unconsciously held beliefs of unworthiness, by childhood woundings, or from being conditioned by societal messages that somehow it is impossible and unspiritual to be wealthy. Patsel finds in her practice that poverty consciousness is often

“…the default position of fear when things do not meet our expectations of what life should be, or what we feel we deserve. Poverty consciousness may arise from the fear that the Universe, in its random chaos, has abandoned us. When in this place, the focus is often on the list of what is not available, with little or no appreciation for the gifts and blessings that are present in everyday life.”

Every person is born into life with the innate power to make his contribution and to create fulfillment for himself. But this power has to be developed and cultivated through practice. Many have been wounded during the course of life in ways that cause them to doubt or deny their own true power. Feeling somewhat helpless to meet their own needs, they often repress them. As a result of this repression, the flow of plenty and fullness is halted, strangled in the stuck energy of misguided core beliefs. By working on healing these issues, as well as opening to the unlimited nature of each person’s potential, the flow can be restored.

The Psychology of Money

It is the rare person who does not have painful money issues. Discovering each person’s relationship to money is one of the core pieces of the puzzle that moves a client closer to her goal of living a life of prosperity. The fear of having money, the fear of not having enough, the fear of taking action, and the fear of inaction – there isn’t a part of living that money doesn’t touch. It affects relationships, the way everyday activities are experienced, the ability to make dreams a reality – everything.

People discount the importance of money and then admit they work very hard to get it. They set up a crosscurrent in their thinking, which in turn voids most of their efforts. For this reason, one of the first steps in developing prosperity consciousness is to acknowledge and uncover all beliefs held psychologically about money. If either side – the internal or external – is not in balance and harmony, the whole of life suffers. It is at this point of suffering that views on prosperity can be explored.

For example, aside from the spiritual view of money discussed above, money can be viewed as a symbol of being selfish or shallow. If a person has created a core belief that money is evil or nasty, it is hard for that person to align with it. Money can be attracted, then repelled, drawn in, and given away as the person struggles with how comfortable he is with possessing it.

Money can represent a feeling of importance and specialness. It is the vehicle by which a person can go to places otherwise unavailable. It can be associated with feelings of power and control in a person’s life. If unpleasant tasks or aspects of life present themselves, money can provide the solution by allowing one to pay others to do them.

For some, financial prosperity means emotional security. Money buys distance in relationships or is used to draw others closer. Money can mean social acceptance, a path of approval that boosts self-esteem. Money can set boundaries and serve as a buffer between a fragile, vulnerable person and the unpredictable world. The insecure person may see money manifest in his life as penny-pinching the luxuries as well as the necessities. He may have an additive interest in bargains or be a compulsive saver. The only thing he trusts is the money in his mattress.

For most people, the earliest childhood memory of money sets up a cycle of limitation that will be duplicated in money management as an adult. One exercise in prosperity consciousness is to work with the initial memory, either through meditation, guided visualization, or other methods suggested by a counselor or coach, in order to recognize the childhood belief that repeats itself in the adult pattern. The pattern is then replaced with one more conducive to living a life of abundance.

Other unconscious prosperity beliefs held by a person can be revealed by reviewing his financial records. Where he spends his money, and where he does not, will reveal a wealth of information on that person’s consciousness toward wealth. A prosperity coach can decipher the patterns in ways not recognizable to the client.

Often a person will approach a practitioner to increase prosperity awareness at times in financial crises. The pain of financial imbalance can also reflect a number of problems, including: pain or alienation regarding a person’s work; anxiety or money phobias; and avoidance of financial responsibilities such as taxes, budgets, bills, and mortgages.

A way to get in touch with money is to actually touch it, feel it. It may be recommended that a person get used to paying cash and tracking it. The power to face the present reality of spending habits may be a key to opening the door to flow. By working with the money physically, consciousness can be raised.

Creating prosperity may require a new view of simplicity. There is a joy in the simplification of what we ask for that suggests that we take only as much as we can love. Patsel repeats the wisdom teaching that to “those whom much is given, much is asked.” Has the person paid attention to and remembered to be grateful for all that she has?

The cycle of financial energy can be a great teacher. Money, or the loss of it, can be a powerful catalyst for growth and healing. If a client is deeply insecure, and money represents power and status, he may be compulsively driven to accumulate wealth in the hope that it will bring the security and validation he yearns for. If he loses it all, it may be his soul’s way of setting up an opportunity to become conscious of his deep feelings of inadequacy so he can heal them.

It is sometimes through the most tragic of times that a person is given a gift of learning lessons that would not have presented themselves in good times. The crash of the stock market, the death of a spouse who did all the financial planning in the relationship, the start-up of a new business that creates financial scarcity in its early years – all of these experiences may have a silver lining in a person’s emotional and spiritual development.

Prosperity and Spirituality

Both Eastern and Western spiritual traditions have been frequently interpreted to support that concept that “money is the root of all evil.” The quote is actually, “The Love of money is the root of all evil.” Money out of balance results in greed, avarice, and obsession with power. Despite this mistake, many have embraced the idea that sacrifice is next to Godliness. A common misunderstanding is that a person is only following a spiritual path if poverty is involved.

In the Western tradition it is believed that the material world is essentially a place of temptation, sin, and suffering, which a person must pass through in order to reach a better place – the spiritual realm – after death. The Eastern tradition teaches that the material world is merely an illusion. The goal is to “wake-up” and move beyond the limitation of physical form. Truly dedicated spiritual seekers renounced the world and attempt to let go of their attachment to things, in particular money and material possessions. Seekers attempt to transcend their own needs and desire for material comfort, security, power, and sexuality in this renouncement.

Prosperity consciousness asserts that money is a symbol of infinite goodness and compassion that can give people lives of great joy and generosity. People can be rich and spiritual – wealth can be used to help others improve their life experiences. Wealth is spiritually desirable and natural, for it takes money, as well as spirituality, to sustain a person’s life. Wealth can pay for the experiences desired during each incarnation.

Making money gives a person a powerful tool for good in the world – the power to make a difference; the power to make dreams come true. The dharma of money means the right action of money. Prosperity and true financial freedom can be experienced when actions with respect to money are dharmic, or righteous – that is, actions of generosity or actions of offering. By making an offering to a worthy charity or organization, a person relaxes his grip on poverty and more money begins to flow into his hands to replace what was spent.

An editor once pointed out the power money holds for world peace by suggesting that the president of the World Bank be nominated for a Nobel Peace Prize because of the excellent work he had done in bringing financial peace in several countries: “Wouldn’t it be timely to recognize the proper use of cash can be a factor for peace in the world?”

The commercialization of spirituality is a source of irritation to many. In essence, spiritual people should not become wealthy by selling spiritually to others. This view implies that money and spirit are contradictions, that spirituality should not be contaminated by money. By understanding that money is a symbol of life energy, prosperity consciousness supports the idea of exchanging money for useful information and guidance. If, however, a person misleads people for money, then that person is out of integrity. The focus should be on the person, not the money. It doesn’t matter if a car or 10 steps to enlightenment is being sold – if the person making the money is out of integrity, there is a problems in the action.

Are a Mercedes – Benz and a well-stocked portfolio signs of God’s grace? Seventy percent of the heads of households surveyed by the Lutheran Brotherhood, a Christian financial concern, said they considered their financial situations to be a reflection of God’s regard for them. Forty-nine percent of them said they prayed regularly for increased wealth. Prosperity consciousness is knowing that God, The Source, The Universe, wants nothing but plenty without limitation for all.

Money as Energy

Money is a living entity. It is an energy that responds similarly to other energetic forms like people, animals and plants. It is drawn to those who welcome it and respect it. That’s often why the rich get richer. They respect what they have. Financial consultant and author Suze Orman believes that a person’s financial life is like a garden. If it is tended carefully, the flowers nourished, pruned, and weeded, then it will be more beautiful than if it is halfheartedly watered now and then.

The consequence of not respecting money is that it will decrease. Disrespect repels money and can set off a string of “bad luck.” A credit card just paid off is followed by a broken down car. A wonderful relationship ends over money issues. A job that was sure to be awarded to the company falls through. Disrespect for money is a reflection of disrespect for the person. Control over money becomes control over life.

Money is the medium of energy exchange we have chosen to represent our creative energy. In effect, money is what society trades its life energy for. It just consists of pieces of paper or metal – it has little intrinsic value – but it symbolizes how we exchange value with one another. When a person is spiritually or emotionally blocked, or is tired or needs time to rest, often work may slow up. When a person’s health is strong and clear, the work pace may increase. Or a person may need to rest but his work life does not slow up, so he becomes ill, loses money, and has to deal with the issues raised by its loss. Money is, in its essence, a master teacher.

Manifesting Prosperity

The laws of manifestation are founded on the concept that each person will experience what he most strongly gives his attention to. Through positive, appreciative attitudes toward money, he makes money his servant instead of being its slave. People are placed in the Universe to achieve mastery of all forms of experience, including financial. Money management or prosperity consciousness is another mastery to be achieved.

Creating an affirmation or financial mantra of powerful thinking may be part of the process. This mantra is designed to replace any message of fear of plenty. It may be suggested that the client create an affirmation of trust in the Universe, if a lack of trust was the former message. Catherine Ponder has written many definitive works on prosperity consciousness and suggests the following:

  • Having a plan, writing out one’s desires concerning that plan, and constantly expanding it.
  • Mentally imagining that plan as fulfilled.
  • Constantly affirming its perfect fulfillment through the use of mantras or affirmations.

For Patsel, manifestation is the art of focusing and asking for what is desired from a grounded, centered place of gratitude, and then letting the desire go.

“Showing up, doing your part by fulfilling our responsibility, and surrendering and trusting the Universe to handle the details are the key aspects of this practice. The ideas of attachment to the idea and surrendering to the outcome, a repetitive cycle of attachment and letting go, is a way of negotiating all aspects of abundance and life.”

Prosperity also requires an acknowledgment of the healing of the emotional issues that created the distorted reflection. If the restoration of balance has not occurred, all the manifesting, affirming, or intention-setting in the world will not result in financial flow, for the artery of a person’s heart center and worldview is still blocked.

Diana Cooper stated in her book that “Prosperity is having plenty, knowing more will come. Prosperity consciousness is believing that there will always be plenty, and thinking, talking, and acting on that premises.”

Others thoughts on the subject of Money

Watch your thoughts when you are handling your money, because your money is attached through your mind to the one source of all substance and all money, which is invisible, as something directly attached to an invisible source that is giving or withholding according to your thought, you have the key to all riches and for all lack.

– Charles Filmier

I’ve never been poor, only broke. Being poor is a frame of mind. Being broke is a temporary situation.

– Mike Todd

Real Power means hitching your will to God’s will and surfing on the strength of what is, rather than what you are trying to twist it into. God’s will is for health, peace, prosperity, and joy. How much struggle could be required to accomplish what Spirit would give you?

– Alan Cohen

It is a kind of spiritual snobbery that makes people think that they can live without money.

– Albert Camus

The wise who are trained and disciplined shine out like beacon-lights. They earn money just as a bee gathers honey without harming the flowers. And they let it grow as an anthill slowly gains heights. With wealth wisely gained they use it for the benefit of all.

– Digha NIkaya