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The Energy of Money

The Energy of Money

A Spiritual Guide to Financial and Personal Fulfillment
by Ph.D. Maria Nemeth 1999 352 pages
4.08
500+ ratings
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Key Takeaways

1. Recognize Money as Energy and Embrace Your Hero's Journey

"Money is congealed energy, and releasing it releases life's possibilities."

Money as energy. Money is a form of energy that can be harnessed to manifest our dreams and goals. Like other forms of energy (time, creativity, physical vitality), it flows through our lives and can be directed consciously. The key is to see money not as an end in itself, but as a tool to create what truly matters to us.

The hero's journey. Our relationship with money is part of our personal hero's journey. This journey involves:

  • Departing from familiar routines
  • Entering unknown territory
  • Encountering fears and challenges
  • Gaining new understandings and skills
  • Achieving mastery over ourselves and our circumstances

By viewing our financial life as a heroic quest, we can approach it with courage, creativity, and a sense of purpose. This mindset helps us overcome obstacles and use money's energy to express our authentic selves and contribute to the world.

2. Uncover Your Life's Intentions and Standards of Integrity

"Your Life's Intentions and Standards of Integrity capture and harness the energy of money."

Life's Intentions. These are the core purposes and directions that give our lives meaning. They usually start with "to be" (e.g., "to be financially successful," "to be an adventurer," "to be a healer"). Discovering our Life's Intentions helps us:

  • Focus our energy on what truly matters
  • Make decisions aligned with our deepest values
  • Feel more fulfilled and purposeful

Standards of Integrity. These are the qualities we admire most in others and aspire to embody ourselves. They reflect our true nature and values. By identifying and living according to our Standards of Integrity, we:

  • Act more authentically
  • Make choices that align with our best selves
  • Experience greater ease and satisfaction in life

To uncover these guiding principles:

  1. Reflect on people you admire and the qualities they embody
  2. Consider what you want to be known for in life
  3. Write down your Life's Intentions and Standards of Integrity
  4. Refer to them regularly to guide your decisions and actions

3. Set SMART Goals and Create Treasure Maps

"Success is doing what you said you would do—with ease."

SMART Goals. To harness money's energy effectively, set goals that are:

  • Specific
  • Measurable
  • Attainable
  • Relevant (to your Life's Intentions)
  • Time-based

SMART goals provide clear direction and motivation, making it easier to focus your energy and resources.

Treasure Maps. Create visual representations of your goals to make them more tangible and energizing. To make a Treasure Map:

  1. Use a large piece of paper or poster board
  2. Write your goal in present tense at the top
  3. Add images and words that represent your goal
  4. Include phrases describing how you'll feel when you achieve it
  5. Add the exact date you'll accomplish the goal

Place your Treasure Map where you can see it daily. This visual reminder helps you stay focused and aligned with your intentions, making it more likely that you'll manifest your goals.

4. Overcome Driven Behavior and Scarcity Mindset

"Scarcity is one of our deepest fears. It is the mind's experience of the limits that are a natural part of physical reality."

Driven behavior wastes money energy through:

  • Repetition: Doing the same thing repeatedly, expecting different results
  • Limited satisfaction: Never feeling content with achievements
  • Perfectionism: Endlessly polishing without completion

To overcome driven behavior:

  1. Recognize its symptoms in your life
  2. Practice mindfulness to observe your thoughts and actions
  3. Choose authentic actions aligned with your true intentions

Scarcity mindset creates fear and limitation. To shift from scarcity to abundance:

  1. Acknowledge scarcity as a natural part of physical reality
  2. Face your fears about not having enough
  3. Practice gratitude for what you have
  4. Focus on creating value rather than accumulating
  5. See obstacles as opportunities for growth

By addressing driven behavior and scarcity mindset, you free up energy to pursue your goals with greater ease and joy.

5. Identify and Transform Inner Blocks to Progress

"Releasing old beliefs brings miracles."

Inner blocks are mental and emotional patterns that limit our progress. Common blocks include:

  • Negative self-talk (Monkey Mind)
  • Outdated beliefs about money and success
  • Fear of failure or success
  • Perfectionism
  • Procrastination

To identify and transform these blocks:

  1. Practice self-awareness: Notice your thoughts and feelings about money
  2. Challenge limiting beliefs: Question assumptions that hold you back
  3. Reframe negative self-talk: Replace critical thoughts with supportive ones
  4. Take small, consistent actions: Build confidence through small wins
  5. Celebrate progress: Acknowledge your growth and successes

The Basic Assumption. Uncover your core limiting belief about life, often formed in childhood. This "Basic Assumption" shapes how you see the world and your place in it. By recognizing and challenging this assumption, you can create more empowering beliefs that support your goals.

6. Practice Forgiveness to Unleash Money Energy

"Forgiveness occurs when you systematically lay aside conclusions you have reached about other people and the motivations for their actions."

The power of forgiveness. Holding grudges and resentments ties up valuable energy that could be used to pursue your goals. Forgiveness:

  • Releases emotional burdens
  • Frees up mental and emotional energy
  • Improves relationships and opens new opportunities
  • Allows you to focus on the present and future

Steps to practice forgiveness:

  1. Identify who you need to forgive (including yourself)
  2. Acknowledge your feelings and thoughts about the situation
  3. Choose to let go of the right to punish or hold a grudge
  4. Release your expectations of how the other person should act
  5. Focus on what you can learn from the experience

Remember that forgiveness is for your benefit, not the other person's. It doesn't mean condoning harmful actions or allowing them to continue. Instead, it's about freeing yourself from the emotional burden of past hurts.

7. Make and Keep Promises to Move Forward

"A promise is your word, whether spoken or implied, cast forth into physical reality. It says: This shall be done."

The power of promises. Making and keeping promises:

  • Builds trust in yourself and others
  • Creates momentum towards your goals
  • Aligns your actions with your intentions
  • Increases your sense of personal power

To make and keep effective promises:

  1. Be specific about what you'll do and when
  2. Start small to build confidence
  3. Write down your promises
  4. Tell someone else about your commitment
  5. Follow through, even when it's uncomfortable
  6. Celebrate when you keep your word

Clearing unfinished business. Identify areas where you have incomplete promises or obligations:

  • Unpaid debts or bills
  • Unfinished projects
  • Unresolved conflicts
  • Neglected responsibilities

Take action to complete or renegotiate these commitments. Clearing this "financial cholesterol" frees up energy and creates space for new opportunities.

8. Turn Obstacles into Opportunities

"Obstacles are the sign that physical reality is pushing back against your efforts and adding form to the energy of your dream."

Embracing obstacles. Instead of seeing obstacles as setbacks, view them as:

  • Signs that you're on the right path
  • Opportunities for growth and learning
  • Chances to refine your goals and strategies

When facing obstacles:

  1. Acknowledge the challenge without judgment
  2. Identify the underlying lesson or opportunity
  3. Adjust your plans if necessary, but maintain your overall goal
  4. Seek support and perspective from others
  5. Take decisive action to move forward

The "Oh Sh—!" Point (OSP). This is the moment when you encounter a significant obstacle that seems to derail your plans. Remember:

  • OSPs are normal and expected on the hero's journey
  • They often lead to breakthroughs and new possibilities
  • Your response to OSPs determines your ultimate success

By reframing obstacles as opportunities, you maintain momentum and discover creative solutions you might otherwise miss.

9. Harness the Power of Mutual Support

"People who are successful have learned to help others and to be helped."

The myth of the lone hero. Contrary to popular belief, true success rarely comes from "going it alone." Embracing mutual support:

  • Amplifies your strengths and resources
  • Provides encouragement and accountability
  • Offers new perspectives and ideas
  • Creates a network of connections and opportunities

To harness the power of mutual support:

  1. Identify areas where you need help
  2. Reach out to people who can offer support
  3. Be specific about what you need
  4. Offer support to others in return
  5. Express gratitude for the help you receive

Creating a support team. Surround yourself with people who:

  • Believe in your potential
  • Hold you accountable to your promises
  • Offer honest feedback and encouragement
  • Celebrate your successes

Remember that asking for and accepting support is a sign of strength, not weakness. It allows you to leverage the collective wisdom and energy of others, accelerating your progress towards your goals.

Last updated:

Review Summary

4.08 out of 5
Average of 500+ ratings from Goodreads and Amazon.

The Energy of Money receives mostly positive reviews, with readers praising its spiritual approach to finances and personal growth. Many found the exercises and insights transformative, helping them understand their relationship with money and life goals. Some readers struggled with certain sections or found it dense, but overall appreciated the book's holistic perspective. Critics noted it may be more suitable for mid-career individuals rather than young adults. Several reviewers emphasized the importance of completing the exercises to gain maximum benefit from the book.

Your rating:

About the Author

Dr. Maria Nemeth, Ph.D. is a psychologist, master certified coach, and author specializing in personal finance and life transitions. She has over 35 years of experience helping individuals and organizations achieve success. Nemeth is the founder and director of the Academy for Coaching Excellence, where she trains coaches and leaders. Her approach combines psychological insights with practical financial advice, focusing on the spiritual and emotional aspects of money management. Nemeth's work emphasizes personal growth, life purpose, and aligning one's values with financial decisions. She has written multiple books on personal development and financial well-being.

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