0:50

Aloha Inspired Money Maker. Thanks for joining me today.

0:54

If this is your first time here, welcome. If you're a returning viewer

0:57

or listener, welcome back. I'm so excited about this

1:01

episode. If you've ever had or if you've

1:05

set financial goals, maybe you want to save

1:08

more, invest wisely or build long term wealth.

1:12

But you found that life got in the way. You get busy,

1:16

bills pile up, unexpected expenses pop up, and before you know

1:20

it, your your financial dreams take a backseat.

1:23

That's why so many people are not saving enough for retirement, lack an

1:27

emergency fund, or struggle to take control of their financial

1:31

future. But what if I told you that there's a simple tool

1:35

that top performers, athletes and business leaders swear by?

1:39

Something that helps you to stay focused, motivated and on

1:42

track. It's called a vision board. Also known as a

1:45

dream board. A vision board is a visual representation

1:49

of your goals made up of images, affirmations and words

1:53

that remind you of where you want to go. By seeing your financial

1:57

goals every day, you're reinforcing them in your mind, training

2:00

your brain to recognize opportunities and increasing the likelihood

2:04

of making them reality. Even some of the most

2:08

successful people in the world use them. Oprah Winfrey, Jim

2:11

Carrey, Steve Harvey, entrepreneur Sarah

2:15

Blakely who founded Spanx. They've all

2:18

talked about the power of visualization in their success. So

2:22

today I hope to cover things like the science

2:26

behind visualization and why it works, how to create a

2:29

vision board that actually drives results, how to overcome

2:33

limiting beliefs that hold you back, the missing link

2:37

between vision and action, and how to build wealth

2:40

with purpose and impact. If you're ready to train your brain for

2:44

financial success, you don't want to miss this conversation before we

2:48

get started. This episode is brought to you by my financial advisory

2:51

firm, Runnymede Capital Management. I want to invite you to take

2:55

advantage of our three minute financial plan. Head over to

2:59

InspiredMoney.fm/GetPlan. You'll go

3:02

through some questions. It just takes three minutes and you'll get a

3:06

personalized snapshot to help kick off your financial journey.

3:10

So a little planning goes a long way. Check it out and

3:14

afterwards I'm happy to set up a call with you to discuss it.

3:18

Let's bring in our panelists. I'm so excited that they're here.

3:21

Let's start with John Assaraf. He is a leading

3:25

mindset and behavioral expert, CEO of NeuroGym and

3:29

two time New York Times best selling author known for

3:32

helping individuals in businesses unlock their fullest potential

3:36

using neuroscience based Training. He's built five

3:40

multimillion dollar companies, appeared on Larry King Live,

3:44

Anderson Cooper and the Ellen DeGeneres show, and has been

3:47

featured in eight films including the Secret.

3:52

John, welcome to Inspired Money. Andy, great to be with

3:55

you. And I hear that you have a goal of wanting to touch a

3:59

billion people's lives in a positive way.

4:03

Yes, positively impact as many people as

4:06

I can while I'm alive and maybe even after I'm

4:10

transitioned into the other phase of life. So you're no stranger to

4:14

big goals. I look forward to this

4:17

discussion. We have Dr. Srini Pillay in the house.

4:20

He's a Harvard trained psychiatrist,

4:25

neuroscientist, and CEO of Neuro Business Group

4:29

specializing in the science of mindset, visualization and goal

4:32

achievement. A sought after speaker, author and consultant to Fortune

4:36

500 companies, he translates complex brain

4:40

research into actionable strategies for personal and financial

4:43

success. He's the author of several books including

4:47

Tinker Dabble Doodle, Unlock the power of

4:51

the unfocused mind. Dr. Srini,

4:55

welcome. Thanks for having me, Andy. It's lovely to be here.

4:59

And rounding out our panel, we have Ellen Rogin,

5:02

CPA, CFP. She's a money expert in financial

5:06

intuitive who helps people reshape their relationships with money

5:10

to greater abundance and joy. She's a

5:14

New York Times bestselling author. One of her books is

5:17

Picture your prosperity. And her insights have been featured on

5:20

cnbc, abc, npr, Time, and Oprah

5:24

magazine. Ellen, I'm so glad that you're here. I am

5:27

so glad to be here with you all. I'm so excited about this topic. It's

5:31

one of my favorite ones. Well, I'm

5:34

excited for many, many reasons. I understand that John

5:38

and Srini are good friends going way back.

5:42

And then you mentioned something about your book.

5:47

Yeah, we quote one of

5:50

shrinking of our book talking about

5:53

the science behind the power of visualization.

5:59

I love it. I love the connections. Or as Serena, you

6:03

said, they're happy coincidences. Yep. Meaningful

6:06

coincidences. Meaningful coincidences. Okay. Well, I'm so

6:10

excited about this episode. We're going to be talking about vision boards. We're going to

6:14

be talking about goals manifesting abundance. Let's go

6:18

straight into segment one. The brain naturally

6:21

prioritizes information based on what feels important. This

6:24

filtering process influences decision making, making people more

6:28

aware of opportunities that support their goals. When financial

6:32

success is visualized consistently, the brain adjusts,

6:35

reinforcing focus and motivation. This is why vision

6:39

boards can be powerful tools. They serve as daily reminders that

6:42

keep financial aspirations front and center. Studies

6:46

show that imagining a goal repeatedly strengthens neural pathways,

6:50

making individuals more likely to take actions that support it. By

6:54

including specific images and words that represent financial

6:57

milestones, vision boards help clarify objectives.

7:01

Whether it's saving a set amount, increasing income, or

7:04

investing wisely, regularly engaging with these visuals

7:08

reinforces habits that drive progress. For the best

7:11

results, vision boards should be reviewed often and paired with

7:15

concrete actions. Visualization alone isn't enough.

7:19

Combining it with intentional steps turns financial success from a

7:22

vision into reality. John, get us started, because you're a living example of this. I

7:34

know that you've studied how visualization reshapes the brain. Can

7:37

you share your experience at age 19, after dropping

7:41

out of high school? What's happened neurologically

7:45

since then, since you've repeatedly focused on your future

7:49

vision? Sure. So when I was 19, I had a

7:52

wonderful mentor who was a student of Napoleon

7:56

Hill's book Think and Grow rich. And at 19, he asked me

8:00

what I wanted to achieve. And I wrote down the amount of money I wanted

8:04

to make, what I wanted to retire, by, what kind of lifestyle I wanted to

8:07

live. And he then asked me, you know, did I

8:11

have the identity to achieve those things? And the answer was

8:15

clearly no. And I almost didn't even know what he meant by

8:18

identity. And he said, you will never earn more than your

8:22

identity will allow you to earn or your hidden self image.

8:26

And so every day, he would have me look at my

8:30

goals that were in writing of how much money I wanted to achieve when I

8:33

want to retire, by who I want to help, et cetera. And

8:37

in addition to looking at my goals,

8:40

I started to create these visual representations,

8:44

whether it's a car, a home, traveling, and every day I

8:48

would sit there and I would look at it, I would read my goals, I

8:51

would run my fingers across the paper that I had that was

8:54

laminated at the time, I would close my eyes and I would see

8:58

myself in the car, in the home, making the money that I

9:02

want to make, making a difference in the world. And he shared with

9:05

me back then that astronauts were visualizing to

9:09

prepare themselves for missions to the moon. He said Navy SEALs were

9:13

visualizing, Olympic athletes were visualizing. And he said,

9:16

visualization is a mental and emotional

9:19

simulation. And I later found out that, you

9:23

know, those neurons that we fire when we visualize and emotionalize,

9:27

and back by action, they wire together

9:30

and formulate these new pathways or new software

9:34

programming of the brain, which then obviously can affect

9:37

behavior. And when you repeat that now, you start

9:41

to upgrade your identity, your beliefs, and your

9:45

habits for achieving those goals. So it's a combination of

9:49

visualization plus affirmations plus images

9:52

plus doing the right actions consistently.

9:56

Very powerful. Big changes in your life,

10:00

no doubt. Big, huge changes. You know, I started

10:04

off, you know, making $1.65 an hour working in a shipping

10:07

department when I was 19, to making

10:11

tens of thousands of dollars a month in my early 20s

10:15

to making millions of dollars a year by time I was in my late

10:19

20s. All because I followed this process

10:23

of what I call today is inner sizing and

10:26

priming my brain daily to focus on what I

10:30

want to achieve versus what I didn't want to achieve or the obstacles

10:34

in the way. Srini, you have a client that

10:37

found a spouse. So vision boards can cover

10:41

all aspects of one's life. How important is

10:46

specificity when creating a vision board?

10:50

Well, I think specificity is especially important, and

10:54

relevance is also important, because when you feel

10:58

like you truly want something, then the image centers in the brain

11:01

are actually fed by what is going on in your brain when you're

11:05

excited. So, firstly, at a general

11:09

level, there is a condition known as aphantasia, which is when

11:13

people cannot actually generate an image at all. And if you look

11:16

in their brains, what you actually see is that the image

11:20

center is activated. But the areas that are responsible

11:24

for integrating sensations are not telling us how important

11:28

integrating those sensations are to the final vision.

11:31

In that particular instance, I had a client who was in his mid-60s

11:35

who decided that he wanted to get remarried. And he didn't know

11:39

where to start, but he actually, he put out a challenge to our relationship

11:43

and said, somehow something that we're doing needs to lead to

11:46

my finding a wife in one year. And I said, well, you know, there's not

11:49

a lot of time to date. What are we talking about? He said, well, it

11:52

doesn't matter. I don't want to fall. I don't want to do anything conventional. I

11:56

want to find someone who I definitely want to marry. And what he

12:00

started to. So we actually started doing a pretty concrete visualization

12:03

exercise together. And then he would leave it for a while and then

12:07

come back to it. And you need these unfocused times.

12:10

As I pointed out in my book Tinker Dabble Doodle, Try, having

12:14

these unfocused times is important because it allows

12:18

the brain to go search for little pieces of information that

12:21

can contribute to that vision. Well, the short story is that before

12:25

the end of that year, he actually found someone he fell in love with

12:29

and got mad. And I think that really used to be A very sort

12:33

of practical person who was like, well, you know, I don't want to try this.

12:36

And so I said to him, well, why don't you try it? There is a

12:39

biology behind this that there's a lot of evidence to show,

12:42

especially from athletes, that envisioning can impact

12:46

success. And there are particular tips that you can actually employ. So, for

12:50

example, if you're not feeling confident, having an image

12:53

of coming from behind so that you're overcoming some

12:56

obstacle can actually be helpful. So we worked on the

13:00

imagery in a pretty detailed way, and within the year, he was

13:04

married, so he's now a complete believer and always goes back to

13:07

these seemingly more esoteric ideas whenever he's facing a challenge in his

13:11

life. So can the biology

13:15

part explain to somebody who wants a rational explanation?

13:19

Because some people may say that just looks like an art project.

13:22

I don't. I don't have time to do that. Yes.

13:26

So. So. So the idea is, well, how does. What does the

13:30

image do? Well, you have 100 billion neurons and 100 trillion

13:33

connections in the human brain, which means that at any one time,

13:37

there's a lot of chaos that's going on there. So any kind of

13:41

clarity that the brain can get so that you are

13:45

articulating to it what your blueprint is can actually

13:49

help you navigate toward that blueprint. And the

13:52

blueprint, in the case of the brain, is not just a diagram.

13:56

It's not just visual. Even though imagery sounds like it's just

13:59

visual, there are inputs from a number of other centers in the brain.

14:03

For example, the hippocampus, the memory center of the brain can

14:07

contribute toward that. These sensory integrators

14:11

can contribute toward that. And so the final

14:14

image that is created is really a little bit like a

14:18

felt movie. And now think about this. If you say to

14:22

the brain, yeah, I want to make $100 million, your brain is like, yeah,

14:26

well, whatever. That's cool. But if you say to your brain, I want

14:29

to make $100 million so that I can live in a house that looks like

14:32

that, so that I can have a lifestyle that is like that, your

14:36

brain will start to get more excited and more

14:40

activated. But I think, as you're going to be pointing out, there are a lot

14:43

of obstacles that can stand in the way of that, like just

14:47

being cynical about it or having limiting beliefs about your own possibilities.

14:51

Because the vision does need to be unleashed to be

14:55

the full blueprint that it is. And I think, as John pointed out,

14:58

John actually has the ability. The interesting thing about John is That he's so articulate

15:02

and clear. But when you're in his presence, you immediately get a

15:06

sense of the transcendence of his own consciousness. He's connected to some

15:09

other zone of consciousness that I think is. It comes

15:13

from a willingness to surrender because he

15:17

believes in something greater. And so one of the things I

15:20

will often say to people is that, is that imagery is not

15:24

just about imagining something. It is about

15:28

noticing a pattern that could apply to

15:31

you. That reality doesn't only work in logical ways.

15:35

You don't just say, I have a goal, and then you have a strategy. Most

15:39

business strategies fail. Just because you have a linear

15:43

strategy doesn't mean that something's going to work out. You're human and your

15:47

brain responds to powerful stimuli and. And

15:50

blueprints like imagery. Thank you.

15:53

Anybody who has experience knows that

15:57

the path to success is not a straight line. It's a very

16:01

crooked and wavy line. So you have to

16:05

embrace that process. Ellen, in picture your

16:08

prosperity, you emphasize financial visioning with a

16:11

prosperity picture. What key elements make a vision

16:15

board truly powerful for manifesting wealth?

16:20

What we designed is a picture,

16:23

prosperity picture, which is a vision board with a little bit

16:26

more structure than sometimes people use. So on the top

16:30

part of the board, it's for images that represent goals

16:34

that require money. And the bottom part of the board are for things that

16:38

you want to have happen in your life that don't require money. And the left

16:41

side of the board is for goals you want to see sooner, maybe five

16:45

years or less, and the right side for goals you want to

16:49

see. And what I'd like to think about is images that

16:52

would go on the top part of your board would be almost like creating

16:56

a visual financial plan for yourself. And

17:00

so I was a former financial advisor. I encourage

17:04

people, advisors that are using these, this tool with

17:07

their clients to have them bring their boards in, because what I

17:11

found. So I'm a certified financial planner, and we

17:15

learn, as you well know, Andy, the things

17:18

that people typically look at with their money. When should I

17:22

retire? How do I send my kids to college? All those more

17:26

typical financial things. And when people create a

17:29

vision board, a prosperity picture, it taps into

17:32

goals that aren't necessarily ones they have, that

17:36

they're thinking of logically, but ones that

17:40

evoke more emotion or more excitement for them.

17:43

As Srini was saying, this is so important to achieve

17:47

the goals that we want to achieve. That is

17:51

great. Let's go into segment two. We're going to

17:54

talk about actually crafting a vision board. A vision

17:58

board Serves as a visual blueprint for financial success.

18:02

Carefully selecting meaningful images, words and symbols

18:05

can present a constant reminder of their financial aspirations.

18:09

Begin by defining clear, specific financial goals. Whether

18:13

it's saving for a home, paying off debt or building wealth.

18:17

Assign measurable targets and realistic timelines to track

18:20

progress. Cut out images from magazines, print online

18:24

visuals or use personal photos that represent desired goals

18:28

and outcomes. Quotes and affirmations strengthen a

18:31

positive financial mindset. Choose a format that suits your

18:35

preference. A physical board using poster board or a corkboard

18:38

offers a hands on experience while a digital version allows

18:42

for easy updates. Place the vision board where you can see it

18:46

daily. Regularly reviewing and updating it ensures alignment

18:50

with evolving financial objectives. With consistent

18:53

engagement, a vision board becomes a powerful tool for financial

18:56

clarity and success. If we can just quickly go around the panel, what are

19:08

the essential elements every financial vision board should include?

19:11

John, Love it. Instead of

19:15

talking about it, maybe I can show you. On my desk I have

19:19

something called John Ashraf's Exceptional Life Blueprint.

19:24

In it you'll see I have family pictures just to

19:27

connect me to some of the important things in my life. I have a body

19:31

over here of this guy in his 70s that I used on my

19:35

vision board to get myself from £243 to

19:39

193 that I am now. I have

19:43

different things that I want to achieve, places that I want to go.

19:47

That car that I put in here during COVID is in my garage. Now

19:51

I've traveled to most of the places that I want on this world except

19:54

for seeing the moon from the earth. But I

19:58

have pictures for health and wealth and relationship, career and business

20:02

and experiences in this literally 45

20:05

page book that doesn't just have the images

20:10

and my reasons why I want to achieve them,

20:13

but as Srini said before, it allows me to

20:18

focus on what it is that I want to trade my life for every day

20:21

and give my brain the clarity to go from that chaos of those

20:25

hundred billion brain cells and trillions of connections, you know,

20:29

into having a laser focused understanding

20:32

of what is it that I want. My brain, which I believe is a hundred

20:36

billion dollar bio computer that is able to help

20:40

me navigate towards what it is that I

20:43

want. But also it gives my brain the instruction

20:47

of don't pay attention to all the noise that's out

20:50

there in this distracted world that we live in. And so

20:54

I also think there's another element to it and we're talking about the

20:58

physicalness of all of this. Create a vision board and create

21:02

your goals. But we're all part of something

21:06

so much bigger. If we are made up

21:09

of energy and thoughts produce some energy and emotions produce

21:13

some energy, my behavior produces some energy. And I'm in

21:17

this field of intelligence and energy. Is it

21:20

possible that somehow when I am

21:24

focused that I am tapping into,

21:28

you know, the, the wave functions of a greater

21:31

reality? I believe it is true. We may not have

21:35

all the evidence for it, but I think there's so much more than just,

21:39

you know, my vision board and my focusing on my vision board.

21:43

And then as Srini in his awesome book talks about also

21:46

allowing unfocused time to allow the

21:50

wisdom of, you know, our, our being to

21:54

be able to help us navigate towards what we want. So I focus on

21:58

health, wealth, relationships, career, business experiences, contribution

22:01

all goes into my vision board and I review it for about 5

22:05

minutes every single day. 45 pages.

22:10

Essential elements to a vision board or, or even

22:14

helping those struggling with clarity. Like any tips for

22:17

defining specific financial goals for a vision

22:21

board? I love the idea of leaning into things that

22:25

are very important to you that you value. When I think about

22:29

my prosperity picture, there's contribution

22:33

things on there, giving back goals. Because what

22:36

I found with my own goal achievement and the people

22:40

that I work with, when there's a really important why and how

22:44

it impacts other people, a generosity component, if you

22:48

will, it helps drive the

22:51

actions necessary. In your

22:55

video it talked about not just having a numbers goal, but like what that could

22:59

do for people. And I would add beyond that

23:02

and how it impacts not only your life, but the

23:06

life of others. And I

23:10

echo that, having your board somewhere where you can see it all

23:13

the time. So I have one in my office, I have it on my phone.

23:17

And yeah, I think it's really important to

23:21

keep these in front of us. So then we're motivated to

23:25

take inspired action to turn that vision into a

23:28

reality. SRINI Neuroscience shows

23:32

that novelty enhances memory. How can people

23:35

structure vision boards so they remain neurologically

23:39

stimulating over time so that you can look at it every

23:43

day for years? Well, there's a, there's a quote that I

23:47

thought I'd share with you from Esther Hicks when she says it

23:50

makes no difference whether you want the specifics of it or not. It is

23:54

the vibrational essence of the subject of your attention that is

23:57

attractive. That which you really, really want, you get,

24:01

and that which you really, really do not want, you get.

24:05

And I think what this quote teaches us is that to put

24:09

together some of what both. But both of the previous speakers have

24:12

spoken about is There's a. The vibrational

24:16

essence of the board needs to feel exciting to you.

24:20

And from a neurologic perspective, it relates to what I said

24:24

about integrating those sensations that become part of whatever the

24:27

movie is that you're making. If you integrate those

24:31

sensations because the vibrational energy is good to you, it

24:34

matters. For example, one person's idea of

24:38

wealth may be to live in a beautiful mansion

24:41

and to try privately, and that's it.

24:45

Someone else who thinks about their wealth may be thinking about the freedom of their

24:49

kids. So choose what feels relevant to you, because

24:53

in the brain, relevance actually matters. And you also want to

24:57

keep your motivation high when you're

25:00

interacting with your vision board. And if you look at some of the

25:03

neurological theories around motivation, one of the key

25:07

factors is autonomy. And so

25:10

feeling like there's a vibrational essence and like you have an

25:14

independent relationship with this vision can actually turn this image

25:18

on. There's another quote which I thought I'd share with you,

25:21

which also relates to something that John talked about, and I think something that

25:25

Ellen talked about as well, from Maxwell Maltz, which is that a human

25:29

being always acts and feels and performs in

25:33

accordance with what he imagines to be true about himself and his

25:36

environment. For imagination sets the goal picture

25:40

which our automatic mechanisms work on. We act or fail

25:44

to act, not because of will, as it is so commonly believed, but

25:47

because of imagination. Now, what this relates to is

25:51

in order to be wealthier, you actually have to have the

25:55

ability to think like a wealthy person. And to do that, a

25:59

lot of people still remain poorer. But try to think

26:02

as if. Try to think about the wealth they want.

26:06

So there's a concept that I labeled called psychological Halloweenism,

26:10

which essentially is based on a study that showed that if you

26:14

take the same person and you ask them to solve a creative problem,

26:17

if they think of themselves as a rigid librarian, they are

26:21

statistically significantly less likely to solve that problem than if

26:25

they solve it as an eccentric poet. Because in one

26:28

state, as the rigid librarian, their creative processes are not kicked

26:32

off. In the other state, as someone who's an eccentric

26:36

poet, they suddenly have the permission to reach their goals. So

26:39

on a vision board, I think it's really important to have things that

26:43

align with who you are and to allow yourself to elevate

26:47

from your current position into the position of the person you're

26:51

imagining. Paradoxically, it's not about waiting until you become

26:54

that person. You become that person now, and then you act like

26:58

that person, and you realize what that person would realize.

27:02

John, I'VE heard you talk about. You have to choose

27:06

the identity that you need to be to

27:09

achieve the things that you've set as your goals on your vision

27:13

board. Can you talk a little bit about how do you

27:16

structure your exceptional life blueprint that you showed us?

27:21

How do you engage both the conscious and the subconscious mind?

27:25

Yeah. So a couple things that I want to mention as well that's important on

27:28

a vision board is inside. My vision

27:32

board is also inclusive of an

27:35

accomplished board. So I put images

27:39

and or things that I've already achieved so that when I'm

27:43

actually looking at my vision board, I remind myself of who I was

27:47

before I achieved them to give

27:51

myself the self confidence, self image and identity

27:54

of a achiever, a goal achiever. So I remind

27:58

myself, before I had those images up there, before I had those goals, I didn't

28:02

have maybe the knowledge, the skills, the self belief to

28:05

achieve those goals. But I metamorphosized

28:09

into the type of person that was able to achieve those

28:13

goals. But one of the ways that I do this as well is you'll

28:16

see there's something over here called the story of my life.

28:20

And so it's two pages long, and

28:24

I write the story as if I was writing a

28:28

Hollywood script. And so if I was a Hollywood script writer,

28:31

I'd write the script, I'd hand it over to an actor, and

28:35

the actor would memorize the script and feel the

28:39

script so that he or she could perform the

28:42

script without the actual script. So you write

28:46

the story. And then every day, you know, I

28:50

read the story of what I've achieved, what I've

28:54

accomplished, how I feel, who I've helped, how I've

28:57

overcome the hurdles, and I've become the person capable of

29:01

overcoming obstacles and challenges to achieve the vision,

29:05

the goals. And I'm smart enough and good enough and worthy enough. And

29:09

my personal belief, you know, is that we weren't born with a self image.

29:12

We weren't born with fears, we weren't born with beliefs. Those

29:16

are just reinforced neural patterns in my brain like

29:19

software. And so when I see and

29:23

feel and visualize and take action, I

29:26

am activating and reinforcing new patterns

29:29

deliberately. So in essence, I am deliberately and

29:33

consciously evolving myself every day, every week, every month

29:37

to match up the identity and the beliefs and the behaviors

29:41

that are required to actually really create the

29:44

goal achievement part versus the vision board, which is

29:48

more of a goal setting part. Anybody

29:52

else want to follow that? Well, I was just thinking when John

29:55

was speaking that that part of this is also Attentional training,

29:59

right? So if you have, let's say you have 10 units of attention in your

30:02

brain, if you spend no time envisioning what you want, then

30:06

you're not training your attention to look for what you want. Whereas when you

30:09

actually start to think, well, this is my vision board. And even if every day

30:13

you spend five minutes you're training your attention to look for that. And

30:16

many times in life we miss out on opportunities and we miss out

30:20

on financial opportunities because we

30:24

don't see them. And so what a vision board does is it reminds

30:28

you to notice what you want.

30:32

Ellen, that's the beauty or the value of having a financial plan too,

30:36

right? It's keeping a longer term view

30:40

so that you're not distracted by your day to day

30:43

life getting in the way. Well, and I love

30:46

coupling a solid financial plan

30:50

with a vision board because it adds

30:53

the juiciness to it. And I

30:57

find that most of the time some people are super motivated by the numbers

31:01

and the charts and the graphs, but often they don't even make sense to

31:05

people. And when you can have images behind it, your why,

31:09

what drives you, and as Srini said, like to

31:12

have that focus be there, it

31:16

adds more excitement, more meaning,

31:19

and frankly a lot more fun because financial

31:23

planning can be boring for some people and it

31:27

adds some juiciness to the whole

31:30

process that I think will help people move their goals

31:34

ahead much more quickly. In your experience, is this

31:38

something for a more visual learner versus the person

31:42

who just likes numbers or have you found that

31:46

most people should try this practice?

31:49

I think it taps into a part of us that if we're only

31:53

thinking about the numbers, part gets lost. I remember

31:57

doing a workshop soon after picture your prosperity came out and there

32:01

was someone in the audience who said, you know, I've only been thinking

32:04

about retirement, what I need to do to get there. It didn't occur

32:08

to me why or what I was going to do afterwards. So

32:12

I think that having these

32:15

visions, these images

32:19

moves people ahead in a much more meaningful way.

32:23

And I also believe that it can help them communicate with

32:27

their advisors. I believe people should have financial advisors to help them

32:31

get where they want to go. And it makes the conversation a lot more

32:34

meaningful and customized. And most advisors say we

32:38

customize financial plans for our clients, but

32:41

truly if you were able to share a vision board

32:45

with an advisor, it would be so helpful. And I

32:49

think back about a client who, when I was working with

32:52

individuals doing planning, she came in and said, I really want to

32:56

be retired at age 50. 4 and she was 50

32:59

and with not even close to enough money. And I didn't

33:03

want to throw her goal out because I believe that, you know, when

33:07

we can envision things and have a positive

33:11

outlook, it could be helpful. And what happened over the next four

33:15

years? Look at her tactical financial plan. There was no way she was going

33:18

to do it. She'd have to save $300,000 a year and she didn't

33:22

make close to that. She ended up

33:26

inheriting money she didn't expect to inherit. I

33:29

don't think a man is a plan. But she met this great guy and that

33:33

ended up bringing additional wealth to her

33:37

situation. And by age 54 she was able to retire.

33:40

She chose not to because she wanted to find work that was more

33:44

meaningful. But this process has magic to it. You know,

33:48

as John said, we can tap into some

33:51

forces that are not able to be seen. And I

33:55

love that. I love the magic that can come with the practical

33:58

planning. Could I add something, Andy?

34:02

Please. You know, if we, if we look at the

34:07

mechanics, right, the neuro mechanics as like to call it said the

34:11

vision board gives you like the what? The

34:15

bullseye? No differently than when you're in an

34:18

airplane leading from one city to another, there's a

34:22

destination. So the vision board gives you kind of like the destination

34:26

of here's what I would like to be, here's what I'd like to do.

34:30

The thing that Alan said around why

34:34

gives you the emotional capital to get going.

34:38

The financial planning, if we think about is there more than enough

34:42

money in the world? Of course there is. There's more than enough

34:45

for everybody. But we have to know how are you going

34:49

to achieve it? So we want to know the what, we want to know the

34:52

why. We need to know the how because our brain wants to know what,

34:56

why, how. We need to know when, like when would you like to

34:59

arrive there? And then if we say, okay, what

35:03

tools and resources can we use to make that a reality?

35:07

Now we're giving our brain the picture of what we

35:11

want, the emotional capital we need, the step

35:14

by step direction. And not a lot of people, you know, understand

35:18

financial planning. Not a lot of people understand the numbers. Not a lot of

35:22

people understand, you know, how to create a strategic, you know, plan that's

35:26

a linear strategy. And so our brain needs that

35:29

or if we don't have that, then we have doubt, fear, worry,

35:33

uncertainty. And that means that we're not going to take the

35:37

actions required to actually move forward. And

35:41

so we want to almost like, you know, when A rocket ship's about to take

35:45

off. It's like they do these checks and they go, check, check,

35:48

check, checked, and now we can have the ability to take off.

35:52

Our brain does the exact same thing. If all systems are not

35:55

go, we're in a state of stress and fear. And a

35:59

stress and fearful brain that's not trained

36:02

will not take action. Thank you for

36:06

that. That is the perfect segue to the next segment. Overcoming

36:10

limiting beliefs Limiting beliefs about money can block

36:14

financial progress, shaping attitudes toward earning, saving

36:17

and investing. These beliefs, often formed early in

36:21

life, influence financial decisions in ways that may not serve

36:24

long term success. Common limiting beliefs include thoughts

36:28

like money is hard to make or wealth is only for a select

36:32

few. Identifying these patterns allows individuals to

36:35

replace them with more constructive perspectives. Reprogramming techniques

36:39

can shift financial mindsets. Positive affirmations such as I

36:43

am capable of financial success reinforce confidence.

36:46

Gratitude practices help redirect focus toward progress rather than

36:50

scarcity. Visualization and meditation can rewire

36:53

subconscious patterns, making financial goals feel more

36:56

attainable. Financial literacy and understanding money management

37:00

reduces fear and uncertainty, empowering individuals to

37:04

make better financial choices. By replacing negative beliefs with

37:08

empowering ones and applying practical financial knowledge,

37:11

individuals can break mental barriers and cultivate lasting financial

37:15

abundance. Srini what happens in the brain when someone tries to

37:24

override a limiting financial belief?

37:28

Well, I'll tell you a brain study that I think addresses this area

37:32

quite nicely. There was a study in which people were given

37:36

a neutral paste and but

37:40

in three different tubes and each tube was labeled

37:43

differently. The first was labeled lidocaine for pain relief.

37:47

The second was labeled capsaicin, which is the active ingredient in Chile.

37:50

And the third was labeled neutral. And what they found was that if

37:54

somebody got the neutral pace that was labeled lidocaine

37:58

because they expected something good to happen. The reward

38:02

center in the brain was actually stimulated. When they

38:05

expected the active ingredient of chili to sting a little, they actually said wow, the

38:09

stings a little. And the pain centers in the brain were activated. And in

38:13

the neutral, in the neutral pace, nothing happened. What this teaches

38:17

us is that in the brain, when you have limited

38:20

beliefs, the brain actually will respond

38:24

accordingly. Whereas when you think in terms of possibility

38:28

rather than probability, I always tell people that if you want an exceptional

38:31

life, by definition, an exception is low

38:35

probability. High probability is having the same amount of money as

38:38

anyone else. If you want a large amount of

38:42

money, you're going to be in a minority. So using

38:45

probabilistic thinking throughout is probably something that won't

38:49

work. Rather, living into a sense of possibility. And activating

38:53

this default mode network in the brain, which does really

38:56

amazing things, can actually help. So when you do

39:00

spend time in possibility thinking, you activate the default

39:04

mode network, which is the dmn, which we used to think of as

39:08

the do mostly nothing network. We used to think, you know, there's nothing. This only

39:11

comes on when you unfocus. However, when your mind is

39:15

wandering and you're thinking about amazing ways in which you could spend this money that

39:19

you're making, this network is turned on. And it is the only

39:23

network in the brain that can properly process

39:26

abstraction and properly process complexity.

39:30

And it's also known as the crystal ball of the human brain because it

39:33

can predict things better than anything else. If you stay stuck

39:37

in your logical brain, which is like, I don't have enough money, I can't find

39:41

a way to actually make this money and so I might as well do

39:45

nothing, then the part of your brain that is wired

39:48

to process complexity, abstraction, and see into the future

39:52

is turned off. For that reason, it's super important to be

39:56

able to start with a sense of possibility, Start with what

39:59

if I could, and then outline what that is. And you

40:03

talk about a cognitive rhythm too. You can't just spend all your

40:07

time doing the tasks on your to do list. You need

40:11

to take a walk so that you're, you

40:14

have this thinking,

40:18

exercising a different part of your brain. Absolutely. And also thinking

40:21

strategically about your day. You know, there's a, there's a video online of Jeff

40:25

Bezos who talks about how he spends his day. And one of the things he

40:28

says is when he gets up, he's generally just looking, reading the

40:32

newspaper, hanging out. And then he

40:35

sets all his high intensity meetings that require

40:39

a lot of brain energy. At times when he knows his energy

40:43

is greatest. And for meetings that don't require that much energy, he

40:47

schedules them when his energy is lowest. But he makes a point that

40:51

he spends a lot of time during the day just

40:54

simply basically allowing this complex circuit in his brain to

40:58

come together, presumably to be able to come up with ideas that

41:02

his logical brain could never come up with.

41:06

John, how does fear of success, rather than fear of

41:09

failure sometimes block people from financial

41:12

abundance? Sure. The

41:16

fear circuit in the brain, whether it's fear of success or fear

41:20

of failure, or fear of being embarrassed or shamed or ridiculed or

41:23

judged, is a fear circuit. And

41:27

responds by sending the, the,

41:30

the neurochemicals associated with fear, whether it's

41:33

cortisol, epinephrine, adrenaline, etc. And

41:37

in most Cases, it puts the brakes on

41:41

motive for action or motivation. We're wired

41:45

for safety and security. We're wired to avoid any pain or

41:49

discomfort. And so if we have a

41:53

fear reaction and we don't know how to turn the

41:56

fear into fuel, because the neurochemicals of fear are actually

42:00

very, very powerful. But what happens with a lot of people

42:04

is if they're afraid of failing or succeeding or being

42:08

embarrassed or ashamed or ridiculed or judged, they want to move away from

42:11

those feelings. And in most cases, it means that they're going to

42:15

retract back into their habitual zone, their

42:19

familiar zone, because they feel safe there. And so

42:22

fear, when you understand that you're usually not

42:26

afraid of what you think you're afraid of, you

42:30

can use that as a way to become

42:33

aware that something is triggering my fear

42:37

circuit. And what I teach in my book, Inner

42:40

Size and also my app, Innersize, is how do I become more

42:44

aware when my fear circuit is activated, and

42:48

how do I turn it off so I can tap back into. And behind

42:52

me you can see I've got Frankie's monster on one side and

42:55

Einstein on the other side. Usually when my fear

42:59

circuits activated, my Frankie's monster is activated, and

43:03

Frankie's monster is going, well, what if you fail? What if you succeed and nobody

43:06

loves you anymore? What if you're abandoned? What if you're embarrassed, ashamed, ridiculed? You're

43:10

judged? Well, taking a few slow, deep breaths

43:14

in through your nose and slowly, slowly,

43:17

slowly out through your mouth, I call that take six. Calm the circuits. You

43:21

want to calm that sympathetic nervous system that's

43:25

firing off those electrical and neurochemical

43:28

releases in our body. And we want to turn back on

43:32

our Einstein brain, you know, which is our

43:36

CEO, executive director, part of our brain. So we

43:39

say, okay, what's causing this fear of success? Like,

43:43

what is it about achieving success that I'm actually wanting to,

43:47

like, not go there? And now we can start to become

43:51

more aware. And in that awareness, we say, oh, I'm

43:55

afraid of being alone or abandoned or being taken advantage

43:58

of. And now we can start to have a healthy inner dialogue

44:02

with us and saying, is that really true? And what

44:06

can I do about that so that it does not happen?

44:10

And we can start to have a healthy understanding that our

44:14

brain wants to protect us, keep us safe, keep us away from real

44:17

or imagined pain. But we can override that

44:21

natural circuit firing around that

44:25

topic with a little bit of inner size, right? Strengthening

44:28

key parts of our brain so we can take action and achieve

44:32

the goals that we actually want to achieve.

44:35

Ellen, your thoughts? I want to

44:39

focus specifically on fear around money.

44:42

So I talk to money, money talks back to me.

44:46

And one of the things that I know from what I hear and when I

44:50

work with people is that people have so much

44:54

fear around money. Fear they're not going to have it. Fear they're going to lose

44:57

it. I've worked with people with hundreds of millions of dollars and

45:01

people with, with very, very limited means.

45:04

And I think people with less money think, well, if I had tons of money,

45:08

why would I ever fear it? But it's just not the case. I think

45:11

that more often than not there's this level of

45:15

anxiety and it is crucial to be able

45:19

to deal with that because when we are freaked out about

45:23

money, In a book called Scarcity, the researchers found that your

45:26

IQ actually drops when your back is up against the

45:30

wall with money. Well, how can you possibly make a good

45:34

decision in if you're freaked out? And

45:38

so it's no small matter to be able to deal

45:42

with our fears around money. There's I, I

45:45

believe that most of the problems in the world

45:49

are from people focusing on lack versus

45:53

abundance. And there's

45:56

ways, like John was saying with taking deep

46:00

breaths and the video talked about with gratitude and

46:03

generosity that are beautiful ways for us to

46:07

lower stress that we have around losing what we have

46:11

or not having enough or making bad decisions with money.

46:16

Thank you. Let's go to segment four. Turning

46:19

financial aspirations into reality requires more than

46:23

visualization. It takes strategic planning and consistent

46:26

action. A clear roadmap bridges the gap between ambition and

46:30

tangible results. The SMART framework helps structure goals,

46:34

set goals that are specific, measurable, achievable,

46:37

relevant, and time bound. Instead of saying I want to save

46:41

money, define a concrete target like I will save

46:44

$5,000 within 12 months. By setting aside

46:47

$417 per month, automation simplifies

46:50

progress. Setting up automatic transfers to savings or investment

46:54

accounts builds consistency and removes the temptation to

46:58

spend. Breaking goals into smaller steps, like reducing

47:01

discretionary expenses or exploring additional income

47:05

streams, keeps momentum going. Tracking progress and

47:09

reviewing financial goals regularly helps maintain

47:12

accountability and allows for necessary adjustments.

47:16

Financial success isn't just about setting intentions. It's about

47:19

following through with actionable steps. By combining

47:23

visualization with execution, financial goals move from ideas

47:27

to reality. John, you emphasize action in your work. What's your best advice

47:37

for translating visualization into measurable

47:41

results? So I think it depends on

47:45

who you are. And I don't agree with

47:49

some of the smart goal setting

47:53

because part of Setting big goals

47:56

allows your brain to tap into how could I achieve those big

48:00

goals? But if you don't know how to manage your self, talk and

48:04

manage the emotions of doubt, fear, anxiety,

48:07

stress, etc. By setting big goals, then you shouldn't set

48:11

big goals, set small goals and build a path towards

48:15

those. So it depends on who you are.

48:19

And if we're dealing with beliefs that are limiting you self

48:23

image, that's limiting you fears that are holding you hostage. So we

48:26

want to understand what is in the way of achieving a

48:30

financial goal. And I personally believe that

48:34

most of us can achieve just about whatever financial goal we

48:38

want. Not everybody, but not everybody

48:41

understands how to develop the beliefs and the habits

48:45

and the behaviors that are consistent to achieve the goal.

48:49

So depending on who you are and what your

48:52

experience is with achieving goals versus setting

48:56

goals, because a lot of people set goals, but that is an

49:00

exercise in our conscious mind of what I'd like to do

49:04

in our imagination and our hope center in our

49:07

brain. But if we don't understand the other pieces of

49:11

it, then it's just pie in the sky stuff. And people will not

49:15

achieve their goals unless they figure out, as I mentioned before, what do you want

49:18

to achieve, how do you want to achieve it, when do you want to achieve

49:21

it by how are you going to achieve it, what are the obstacles, what are

49:25

your counter strategies, and then what tools and resources are you going to

49:28

use? For example, like AI, which we can use right

49:32

now, in less than 60 seconds, I could have a plan to achieve

49:36

any financial goal that I want in any of the five pillars of

49:39

earn, manage, invest, protect or get out of debt fast, or use debt as

49:43

leverage. So we have never been at

49:47

a precipice of a moment in history like we are

49:51

right now with AI at our fingertips, with an IQ

49:55

of 120, 140 right now, going to 400, going to

49:58

1,000 in the next couple of years. So

50:04

I don't really believe in smart goals. So AI can help

50:08

you achieve your goals or to put a plan together.

50:12

Faster in 60 seconds or less. I

50:15

shared with all of our students have programs that we coach people on

50:19

this and people that are in their 60s, 70s,

50:23

80s, are like, oh my God, I didn't know how to do this. Here is

50:26

my minute by minute, morning by afternoon, by evening plan

50:30

based on what I want to do or don't want to do, based on what

50:32

I understand and don't understand, where we can give them some

50:36

realistic hope that there is a path

50:39

is if somebody doesn't have hope that there is a

50:43

path for me, then they live in a state of stress and fear.

50:47

And that's not a good place to come from.

50:51

Even though fear can be a great motivator, it's not a good place for most

50:55

people to consistently be under that stress or fear to achieve their

50:58

financial goals. Srini, share with us an

51:02

experience that you've had with your client who is able

51:06

to really see or

51:09

make drastic changes and become more successful.

51:13

Yeah, you know, so I had a client who was, he had everything that

51:17

he needed to make a lot of money. But there were issues

51:21

around his self image and issues around his own fear of being

51:25

free that he hadn't, that he hadn't addressed. And he was

51:28

making a couple hundred thousand dollars a year, which was helpful for him and his

51:32

family. But he eventually evolved within three years

51:37

to having a net worth of more than $50 million. And it's still

51:40

increasing. And part of what I think he addressed is this

51:44

phenomenon that Kierkegaard pointed out, which is that one of the

51:47

things that stands in the way of our goal setting when we want to become

51:51

wealthier is fear and anxiety.

51:55

And what Kierkegaard said was that anxiety is the dizziness of fear,

51:59

freedom. We say we want to be free, but to actually

52:02

be free is really frightening. So if

52:06

you actually sort of say to yourself, you know, I want to have a lot

52:09

of money and I want to be free to do whatever I want to do,

52:12

well, then what's going to happen to my family? And what if I want to

52:14

do my own thing? So, so a lot of things that I think stopped

52:18

him were, were the fear that with a lot of wealth

52:22

his lifestyle would change, that somehow at the, at the bottom of it all,

52:25

he would lose his family life. But he found as he went on that he

52:29

would, there were ways in which he could apply this to his family life. Now,

52:32

it's not the only factor, but I think that fear does

52:35

actually get in people's ways. And one thing I like to share with people

52:39

when it comes to managing fear is what actually decreases the impact

52:43

of fear on the brain. It's a five step process. The

52:46

first, it's Cirque, defined by the mnemonic circa. The first

52:50

C is to chunk things down, which is something that he did,

52:54

which is, okay, what's my goal now? What's my goal in six months? What's my

52:58

goal in 12 months? To ruthlessly prioritize so that you

53:01

pay attention to the things that make you money and to delegate things

53:05

that are unnecessary. The eye is for ignore mental chatter, which

53:09

is essentially mindfulness. Sitting back in a chair for even five minutes a

53:13

day, paying attention to your breath. And if your mind

53:16

races, just bringing your attention slowly back to your breath.

53:20

The R is for reality check, which is when something horrible

53:24

happens, learning to say this too shall pass. It's a form of self

53:27

talk. The second C is control check. How do I focus on

53:31

what I can control rather than waste my brain space with stuff I

53:35

cannot control? And the last thing is A or attention

53:38

shift. How do I shift from the problem to the

53:41

solution? And this is, I think, something that he did sometimes in deliberate

53:45

ways and sometimes in non deliberate ways to free his

53:49

brain up to be able to accommodate this large goal that he had

53:53

and still has. Thank

53:56

you, Ellen. How can the vision board, you talked

54:00

about combining it with a financial plan. So

54:03

can you talk about, are you advocating for

54:07

doing them side by side to support one another?

54:11

A great way to turn your vision into reality? Because

54:15

what's been mentioned, but I want to double click on, is

54:19

having a vision board and just staring at it and not doing anything

54:23

is not usually a way that you're going to get your goals. I once had

54:27

someone say to me, oh, vision boards don't work. And I think she

54:31

was just anticipating, like I put these pictures, pretty pictures on

54:34

a board and I put it on the wall and I don't take any

54:38

action. And

54:42

by combining it with a financial plan, it will

54:46

help you know some of the steps you need to take, especially

54:49

for financial goals. Some of the goals you have might be ones that don't

54:53

require any money, but maybe require time. And

54:57

I love a good financial plan that builds in

55:01

really all parts of your life. So your time,

55:05

your family, your giving goals,

55:09

your financial goals. And so

55:12

doing them in lockstep, I think is a wonderful way

55:16

to turn some of those goals into a reality.

55:20

I also wanted to just mention when John was talking about these

55:24

limiting beliefs we may have, I think back about years

55:28

ago when I was doing a business plan with my coach at the time,

55:31

I realized that as I was writing my goals, I had a

55:35

belief that was, oh, I never reach my business goals.

55:39

And so I think these beliefs that we can have are

55:43

just like they're the water we swim in. We don't even know we have them.

55:46

And when you have a partner, like a financial advisor, like a good coach,

55:50

it can be helpful to help identify with some of those

55:53

goals that are, excuse me, beliefs that are limiting our

55:57

progress actually are. Thank you so much. Let's wrap it. Let's bring it home with our last

56:05

segment. Financial success becomes more meaningful when

56:09

it aligns with ethical values and contributes positively to

56:13

society. Balancing wealth creation with purpose fosters long

56:17

term prosperity while making a difference. Shifting from a

56:20

scarcity mindset to an abundance perspective encourages

56:24

collaboration and generosity. Viewing financial opportunities

56:28

as limitless rather than a competition opens doors for

56:31

sustainable success. Ethical wealth creation takes many

56:35

forms. Impact investing channels capital into ventures that

56:39

generate both financial returns and positive social or

56:42

environmental impact. Businesses that adopt corporate social

56:46

responsibility practices such as fair labor policies and

56:49

sustainability initiatives. Incentives enhance both profitability and social

56:53

impact. Philanthropy plays a key role in purposeful wealth

56:57

management. Allocating resources to charitable causes

57:00

strengthens communities and reinforces the idea that financial

57:04

success can benefit more than just the individual. By integrating

57:08

ethical principles into financial decisions, wealth becomes a tool

57:11

for positive change. Foreign I'm going to go to

57:19

Sereni to see if we can get one more answer out of you. Before you

57:22

have to go, can you comment on the importance of

57:26

meaning, purpose and virtue?

57:31

Oh, you're muted. Sorry. I think meaning

57:35

and purpose are incredibly important as they relate to motivating

57:39

factors. Because when someone has meaning and purpose and feels aligned with their

57:42

vision, the intrinsic motivation is actually increased

57:46

and then your ability to execute on that action matters. I think

57:50

virtue is incredible, but I think along with virtue should

57:54

come self compassion. Studies on coaching have shown that

57:57

goal oriented coaching is actually less effective than

58:01

compassion oriented coaching. And that's in part because if you're only focused

58:05

on your goals constantly and you want to remain

58:09

a certain way, you know, virtuous in a sense, you will,

58:12

you will stop being forgiving towards yourself and your sympathetic nervous

58:16

system is in overdrive. So from time to time I like to

58:20

say to people that, that when it comes to our virtues, I

58:24

think we all have these light sides, but we also have darker sides

58:27

to ourselves. And learning to accept, understand and work with

58:31

those things is as important as the virtues that you're speaking

58:35

about. And thank you so much for having me on. I'm sorry that I

58:39

have to drop up, but it's lovely seeing you and interacting with John and Ellen

58:42

as well. Lovely to have you. Thank you for joining. Srini. Thank you.

58:47

Ellen, you did talk about the importance of giving

58:51

earlier. How can people balance wealth creation

58:55

with social responsibility so that they don't feel like

58:59

they have to sacrifice one over the other?

59:03

First, I want to say that generosity

59:07

precedes prosperity. It really is the engine. I get

59:10

a little frustrated sometimes when I'll hear people Say, oh, when I have

59:14

more money, I'll give back, give forward. It loosens

59:18

your grip on money and really helps more flow in. It reduces

59:22

our stress level. There's something called subjective wealth that when

59:26

we give money to charity, we actually feel like we're wealthier.

59:31

And so in terms of building it into a plan, I think it should be

59:34

part of your plan. I love the idea of giving a percentage of your

59:37

money away because then as your income rises, you proportionately give

59:41

more. If your income goes down, you give less. If

59:45

you're working with an advisor to talk about what's important to

59:48

you and how do you actually build that into your plan?

59:52

And it can, of course, from a tactical standpoint,

59:56

bring tax benefits, help you in lots of

59:59

ways financially as well. But

1:00:03

it's one of my favorite tools for stress

1:00:07

reduction and prosperity creation is being generous.

1:00:11

So there are benefits on many levels.

1:00:17

John, what's your take? You talked about how

1:00:21

charity in giving is an important part

1:00:24

of your vision board and your goals. What's

1:00:28

your take on trying to align your financial success with

1:00:32

personal values? Yeah, for me, it's right up there with

1:00:35

oxygen. And I love what Ellen said. I just wrote a gift forward.

1:00:40

Think about energy. You know, we are energy, our

1:00:44

thoughts are energy, our behaviors are energy. And when you're in a

1:00:48

scarcity mindset, right, we can either be in scarcity,

1:00:51

security, success, or significance. When you're in a scarcity

1:00:55

mindset and you're holding on as if there's not enough,

1:00:59

I personally believe now this is going to be a little bit off of off

1:01:03

topic, but I believe that the universe matches our

1:01:07

emotional state and our beliefs. So if we believe I need to hold

1:01:10

on, then the universe holds on. But when we

1:01:14

release, when we release give forward, the

1:01:17

universe matches. Almost like we sending out a boomerang that keeps coming back

1:01:21

to you. We cannot out give the universe. So I

1:01:25

think there's different ways to give. One

1:01:28

is, you know, how can we give mentally by being positive, how can we

1:01:32

give emotionally, how can we give physically, and how can we give

1:01:35

financially? And when we believe that there's an

1:01:39

abundance, then the well is never, ever, ever

1:01:42

dry. But if we hold on, then

1:01:46

what are we really believing? Do we believe that there's more

1:01:50

than enough? Do we believe that there's not enough?

1:01:54

So, you know, our company gives 1% of our gross revenues

1:01:57

and my wife and I and children give a percentage of our

1:02:01

income every month as a way of

1:02:05

believing and behaving in alignment with

1:02:08

abundance. And that creates a mindset

1:02:12

it creates an emotional state. It creates this

1:02:16

ripple effect that I believe,

1:02:19

you know, this tithing mindset is critical for

1:02:23

success and it has served me well, it served our family

1:02:27

well. And I believe you've got to be a go giver and a go

1:02:30

getter. And I've always taught my children, you know, use some

1:02:34

of your money for your well being and fun. Save some of it and give

1:02:37

some of it away and you'll always have more than enough.

1:02:41

And both my kids in their late 20s have more than

1:02:45

enough. I love that balanced approach to life.

1:02:48

Ellen, any closing thought before you have to go?

1:02:52

My closing thought is I love Andy, that you're having this

1:02:56

conversation. You know, I started in financial services many years

1:02:59

ago and you would not have had a vision board conversation

1:03:03

from someone with your credentialed background. You would not have had a

1:03:07

conversation about our belief system. And

1:03:10

still it's not being had enough. So I just want to thank you for

1:03:14

the work that you're doing in the world and thank you for

1:03:18

inviting me to be on the show with you. Thank you,

1:03:21

Ellen. Thank you for joining today. John, any final

1:03:25

thought from you? Listen, my final

1:03:28

thoughts. I'm going to echo what Ellen said. It's great to meet Ellen and to

1:03:32

connect with my buddy Srini. There's more than enough for all

1:03:36

of us and when we can get some of the

1:03:40

tools in place, right, and use this $100 billion

1:03:43

bio computer that we have by giving it the vision board for the

1:03:47

visuals and the emotions, the planning that's

1:03:51

required to take care of another part of our brain that

1:03:54

needs to know, well, how am I going to make enough money

1:03:58

or manage my money better and invest it so that at a certain

1:04:02

point in my life I have this financial and emotional freedom and

1:04:06

choice freedom. When we combine the different facets

1:04:09

of our brain with the right

1:04:13

behaviors, we have a lot of hope

1:04:17

in us that we can actually achieve the goals, the vision, the life

1:04:21

that we want. And I believe that everybody has the

1:04:25

ability to make measurable progress when they have the

1:04:29

right tools, the right environment and the right

1:04:32

team. Thank you, John. This has been

1:04:36

an incredible conversation and as Ellen

1:04:40

alluded to a little bit of a crazy topic for a financial

1:04:43

advisor, maybe unexpected, but I think if

1:04:47

there's one takeaway from today's discussion is that a vision board

1:04:51

isn't just a collage of pretty pictures. It is very

1:04:54

much a tool to train your brain to focus your energy to take

1:04:58

action toward financial success. So a huge thank

1:05:02

you to John Srini and Ellen who highlighted the science

1:05:06

behind visualization, the power of belief, how to

1:05:10

bridge the gap between dreaming and doing, taking

1:05:13

action. But here's the thing. A vision board only

1:05:17

works if you use it. So my challenge for you this week

1:05:21

is to take 10 minutes of your own finance. Well, take 10

1:05:24

minutes to start your own financial vision board. Grab a piece of

1:05:28

paper, open a digital board, create a simple

1:05:32

list of images and words that represent your goals and just start

1:05:35

because clarity leads to action. And then share your

1:05:39

progress with progress with me. Tag me on LinkedIn or social

1:05:42

media, send me a message. I'd love to hear what

1:05:46

you're working on and how it's working out. A shout out to the

1:05:50

Inspired Money team. We're small but mighty. Excellent segment

1:05:54

edits by Bradley John, Eagle Feather and Graphic graphic

1:05:57

animations by Chad Lawrence. Thanks to our amazing

1:06:01

panelists. One more time. Be sure to follow them and learn more about

1:06:04

them. You can find John Asaraf, known as the brain

1:06:08

whisperer. He's CEO of myneurogym.com

1:06:13

a couple, well, several books. Very well known for the

1:06:16

answer Having it All. I have to mention the

1:06:20

complete Vision Board kit since that was our subject today in

1:06:24

Inner Size, which is both a book and an app. You can find

1:06:28

him at www.johnasseraf.com. John did you want to share any other

1:06:31

websites or anything? Yeah, I mean if anybody wants

1:06:35

to literally train their brain on the stuff that we've talked about. I've

1:06:39

got an Amazon number one best selling book that called Inner Size. But I have

1:06:42

an app with over 600 brain training inner size that

1:06:46

use visualization and mindfulness and affirmations for money and

1:06:50

wealth and leadership and self confidence. And so check out the app either

1:06:54

in the App store or at innersize.com. Perfect. Thank

1:06:58

you John. You can find Dr. Srini Pillay. He

1:07:02

has several books too. Check out Tinker Dabble Doodle Try: Unlock

1:07:05

the power of the unfocused mind. He also has Life Unlocked.

1:07:09

Check that out. You can find him at www.drsrinipillayy.com

1:07:11

or also

1:07:15

his Neuro Business Group which is nbgcorporate.com

1:07:17

and Ellen Rogin, money

1:07:21

expert, financial intuitive. You can find her at

1:07:24

www.ellenrogin.com. A

1:07:26

couple

1:07:30

of books, Messages From Money and Picture Your

1:07:34

Prosperity. Thank you everyone for joining us. I thank

1:07:37

you. Inspired Money Maker. The next Inspired Money episode will

1:07:41

be Retirement income maximizing returns

1:07:44

for financial freedom. That's scheduled for

1:07:48

next week, Wednesday, March 19th. I

1:07:52

look forward to seeing you. Then, until next time, do