It's easy to forget that we are all perfect in our own design. Sometimes we muck it up with habits and choices that do not serve us. 

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Julie Murphy, is a Chicago-based CERTIFIED FINANCIAL PLANNER™, and founder and CEO of JMC Wealth Management, Inc.  Julie received her BS in Finance from the University of Illinois Champaign-Urbana and her MBA from The University of Notre Dame. A 24-year veteran of the financial services industry, Julie and her team have successfully...

Julie Murphy, is a Chicago-based CERTIFIED FINANCIAL PLANNER™, and founder and CEO of JMC Wealth Management, Inc.  Julie received her BS in Finance from the University of Illinois Champaign-Urbana and her MBA from The University of Notre Dame. A 24-year veteran of the financial services industry, Julie and her team have successfully served thousands of clients throughout the U.S., and abroad.  Julie is adept at all the critically important aspects of financial and life planning.  Consulting areas include, but are not limited to portfolio management and asset allocation, including risk management, college planning, business and retirement planning, estate planning, life, disability and long-term care insurances.   Unlike other CFPs, Julie’s approach is unique. She works with each client to uncover his or her " relationship" to their assets. Her time-tested program, PACT (P: Picturing Yourself, A:  Accepting Reality and Awakening, C: Choosing to Change, T: Taking Action) has transformed countless client's lives.




Awaken Your Wealth: Creating a PACT to OPTIMIZE YOUR MONEY and YOUR LIFE




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Remember Your Self Worth

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As an adult, it’s easy to slip into a few bad habits – especially as we get older. Routinely eliminating “me” time is one of them, as is not making regular trips to the dentist or putting your health on the back-burner. But there’s one thing that we all do that puts quite a strain on our lives: compare ourselves to others.

You’ve been there. Your friend’s husband gets a big promotion, and their entire life is “upgraded” as a result. Maybe your sister moves into a bigger home in a nicer neighborhood. Or your neighbor joins a gym and loses 20 pounds. All of these are great things for the people in your life. So why do you feel so…discouraged? That one’s easy.

When you compare yourself to others, you are creating an environment rife for resentment and sadness. You are no longer grateful for what’s happening in your life and can only focus on where you are lacking. Eventually, those feelings graduate from the material shortcomings you start out with; eventually, you start to belittle who you are as a person.

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Embrace Inspiration

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Have you ever found yourself wanting to do something, but not knowing where to begin? Maybe you have the skills, the passion, the drive and the chops to write a book, but you have absolutely no idea what you want to write about. Or maybe your current job no longer suits your personality or needs, but you have no idea what else you would do instead.

Believe it or not, this is a good problem to have though many people get too caught up in the “not knowing” to embrace the massive opportunity. But before I get into the advantages of this situation, I first want to dissect the psychology behind it.

Back in 2004, psychologist Barry Schwartz published a book called The Paradox of Choice where he argues that the more choices one has, the more difficult it is for one to make a choice. Schwartz even goes so far as to say that current abundance of choice we as Americans are experiencing may be leading to depression.

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Good Things Come to Those Who Act

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Good things come to those who wait.

We’ve heard it. We’ve used it on our kids. And we may have even practiced it ourselves a time or two. It’s a quote on patience, and it’s quite a valuable one.

But it’s not always necessarily true.

Depending on the situation, patience is great. It helps us pass the time during the mundane; distracts us during things we dislike; and survive the moments we feel like we won’t make it another ten seconds.

When it comes to our lives – specifically, our big and important goals – we eventually have to stop waiting and start doing.

For those of you afraid to take that jump, I understand. It’s one thing to put yourself in a position to pursue the things you’ve always wanted. It’s a totally different situation to actually change your life. Why? Because funneling away a few hundred dollars a month doesn’t drastically change your life. Neither does going to a few networking events a month or even an extended vacation to test out our idea.
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Let Go of Disappointment

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Every season of your life brings in new adventures that are exciting but can often be a time of uncertainty. Moving away from your hometown, changing careers, getting married or other exciting life milestones feel like they should be filled with unbridled happiness, but many times end up less than the perfect scenario we envisioned on our journey.

Each time we set out to achieve a new goal or realize our dreams, we’re met with disappointment at various points on our path. Just because things don’t always go as planned doesn’t mean you should abandon your hopes of ever being successful. Learning how to deal with disappointment along the way is just as important as the accomplishments you seek.

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Change Is Coming

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I don’t know you personally, but I have an idea who you are. You’re a parent, teacher, spouse, sibling,  and your family mean the world to you. You are a professional, and you want your job to feed you both literally and figuratively. You are committed to creating a better, more fulfilling life and you know that a part of that means improving the financial situation you are currently in.

And I know one more thing about you: you may be ready to make a change. A big change. One that will take you on a journey towards the life of you dreams.

I get it. I’ve been there. I know what it’s like to know there is more out there – to know that, although my life is find just the way it is, I am capable of more – but feeling overwhelmed and terrified at the thought of shifting. Opening up a finance firm with an emphasis on emotions and a loft office? Not too many people in this business thought it was a great idea.

But I knew my strengths; I was certain that the lessons I learned while on my own personal journey to financial fitness could help people, so I took the risk and made the change.
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No Longer a Victim

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Ever felt victimized by life’s tough breaks? I know I have. Seeing the successes other people are racking up while you continue to struggle with things that, theoretically, should be simple by now? It’s a bad feeling.

Unfortunately, there isn’t much you can do about unforeseen circumstances. Getting a flat tire on the way to the most important meeting or interview of your life. A medical problem blindsides you – and your bank account. You were picked over for the promotion that had your name written all over it.

Life can definitely throw you a curve ball and sometimes you don’t have nearly enough time to duck.

But you know what we can control? Our outlook. Not just our feelings on that one specific moment, but how we handle the stressors and setbacks. The first thing you need to come to terms with is this:

You are in control of your life: your journey, your emotions and your destiny.

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How To Fund Your Dreams

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I’ve talked a lot about what it means and how it feels to be a dreamer. Sure, there is some negative connotation with constantly having new ideas about what you want. But as I’ve said before, no dream is idle. You are one of the lucky ones. You have both the energy, the openness and the creativity to allow dreams to manifest within you. That’s why I want to discuss the money behind the idea.

As much as money affords opportunity, I believe that you can turn the money you have right now and get started creating your own opportunity. Dreaming and pursuing those dreams shouldn’t be reserved just for the wealthy. You’re not rich? That’s okay. I wasn’t either when I decided to open my own financial business. You just need to be practical and smart with where you invest your time and how you save, spend and invest your money.

Find the root of your dream
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Have You Had Enough?

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For years, I’ve watched while we, particularly women, choose to put others needs in front of our own. When in the inside we are starving for our lives to be different than what we’ve created. Depending on your stage of life it could be different, but usually when we are starting in our 40s we start to see it differently, but by the time we’re in our 50s, we’ve had enough.

I watch as we chip away at what our soul is screaming for us to do and we still choose to do other things despite being called to another path. We get trapped by the rat race of our lives which results in stuffing down our emotions. Those stuffed down emotions either work themselves out by feeling the feelings or we act them out through our health or our wealth. We start being put on medications from our doctors, and we grieve what we know our financial lives could have been if you had made different choices.
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Your Mindset Creates Your Reality

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If you’ve read my book or any of my blogs, you know that I passionately believe in, and encourage you to harness the power of your money mindset. It is true that what you put out to the Universe is returned to you.

I’m overcome with joy when I see someone else experience these abundant moments and share them with the world, thereby planting more seeds of empowering shift.

I was inspired when I read this post by Jenn Dieas, Founder and President of “Glowout – A Golden Girl Salon”. She truly manifests the power of this message.

You may have your fearful moment, lament about your struggle. But once you focus back on your strength and let the world know you’re ready to embrace it, things change.

See how Jenn pulled herself from fear to power, and the financial win she experienced from creating that shift for herself. Read on, and unleash your inner Glow Getter!

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Financial Fears: Time to Let Them GO….

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Who’s got them? My guess is most of us. They come and go over time, sometimes with more intensity and sometimes less. Why? This comes from our past conditions in the families and communities we grew up in. We learned emotional response systems from those we started our lives with and continue to attract those that reinforce those belief systems. We’re more stuck in our daily groves, with the appearance, that it is harder and harder to change the more time flies by. I’m here to tell you, anything can happen, no matter what age you are, how many failures you’ve had or how many people are counting against you. All you need is the real you to show up…and to recognize why these patterns keep persisting in our lives.

Think of it like this, years ago, I was watching TV. I was watching a cooking show. Not one with a huge celebrity chef cooking, but a show that brought in everyday people to share their family favorite recipes that had been passed down for generations. This young woman, in her early 20s, was picked and she was so excited to share her great grandmother’s baked ham recipe. As she prepared the food live tv she was very methodical going through things step by step. The host that day asked her, “Why are you cutting both ends off the ham before you put it in the oven?” The young woman responded, “I’m not sure, that’s just how we’ve always done it in our family.”

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You're Worth It

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It’s time to raise our energetic, financial vibration!!! I want you all right now to download the song, “I’m Worth It” by Djsleazy and listen to it often. I realize you may not be a pop music fan, but my 3 year old daughter this week, MaryKate, is walking around the house blasting this song, wiggling her little hips dancing and singing “I’m worth it. Yeah, I’m worth it.” I understand this song could have a couple messages, but the fact that my 3 year old is internalizing that she is “Worth It” will go for miles during her lifetime.

Many of us have life experiences that have helped us feel like we are not worth it. We’ve created habits that don’t necessarily put us farther down our path to our soul work on this earth. Financially speaking, this comes about in various ways. We spend more than our income, we carry credit card debt and we keep choosing car loans over and over again. All things that deplete our energy and suck the life out of us as opposed to feed us more uplifting, positive energy. Then on top of that we pump ourselves up with Starbucks or Dunkin Donuts large coffees cream and sugar please, that keep us it the bad habit cycle of distracting ourselves to what’s really going on in our lives.

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What is PACT?

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Today, many of us create our financial lives by building it from the outside in. Why? Because the entire way our system is set up today from our educational systems, our career systems, our family structures, etc teach us on some level that something outside of us is better than the version that we are. Our systems teach us that we are flawed on some level. That we need to improve what we are not good at as opposed to really focusing on what we are inherently really good at and amplifying those talents.

What we are missing is that we were each put here on this earth for a specific calling. We’ve chosen our careers, and the money we make, to be the center of every decision. Money has become a core value and every decision pushes out from that. So if you don’t have money, you are of no value and if you have a ton of money, you have huge value. I’m here to tell you that this is a bunch of rubbish.

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How to Handle Emotional Triggers (Especially the Ones You Thought You Already Worked Through)

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I personally know how frustrating it is to feel as though you’ve fully worked through something, processed a trigger, and handled your emotions… only for you to get triggered again later. This is something I’ve been dealing with a lot this last year and talking with many people about. Why is it that we do all this work, only to be surprised by a triggering event later on?

It’s so frustrating when this happens, especially if you’re anything like me and you want to think through things and not feel through them. Sometimes it’s not natural to feel, so when you’ve put in all this emotional work, it can be pretty discouraging to realize there’s more work to be done. 

But why is there more work necessary? How do we get that work done? Why do triggers keep happening? Don’t throw in the towel. We’re going to dig into this aspect of handling emotional triggers right now.

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Are You Feeling Stuck in Your Relationship?

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I’m the money chick, which leads a lot of people to ask, “Julie… why do you talk about so many of these others topics? Relationships? Work life? Health?”

The answer is actually very simple: success in all these areas has to do with how we are authentically showing up in the world, and money is actually the result of you aligning with your heart and your soul—aligning in your relationship, your work, your health, and so much more. Without alignment in all these areas, money doesn’t follow, and if it does follow, it may not stick and stay either.

So today we’re going to focus a bit on relationships because if you are not happy in your relationships, then going to affect many aspects of your life in a negative way.

Taking Responsibility
Many people get mad at me for saying this, but here’s the hard truth: you created exactly the life you have and you made choices to get to the place you’re in right now. I get that life happens and some things are out of your control, but you being in the relationship you’re in (or not in) is you’re choosing.

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How to Create Waves of Happiness

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Something happened recently that I find super hilarious, while also incredibly encouraging and hopeful. The other day, I was running around doing my crazy morning errands. The kids wanted sushi in their lunches so I ended up going to WholeFoods to grab some for them. We ended up getting Dunkin Donuts too, which I know sounds obnoxious together, but it made my kids giggle!

And that reminded me of something: by making other people happy, causing them to giggle, and helping them do things they thoroughly enjoy, it makes me happy. Through this pattern, I can create a wave of happiness.

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If You’re Having a Hard Time Right Now… This Might be Why

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I’ve just realized something: this past week or so has been FULL of examples in my life showing me how important it is to be in a place of acceptance when it comes to things you cannot control.

If you haven’t noticed, we suffer when we don’t actually accept the things arising in our lives. When we’re fighting against things outside our own control, we end up triggered and often miserable, unable to achieve the financial abundance or deep personal fulfillment we do desire.

This has been made so clear to me this past week that I want to share a bit more of what I mean…

Why Suffering Cycles Happen

I don’t care what topic we’re talking about: acceptance is an essential step to getting yourself out of suffering cycles and on your way to achieving the financial abundance and deep personal fulfillment of your dreams.

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How to Leave Fear and Stress Behind in 2020

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Let’s be honest: the season we’re living through right now in this pandemic is scary and stressful for all of us. The more I keep watching, the more I keep seeing so many of us hitting places where we’re experiencing strong, sometimes confusing emotions—about our money, our jobs, or our lives in general.

Everything is a bit up in the air still, leading us to face a lot of stress and fear. Believe it or not, that’s why I think it’s so important to keep talking about building our wealth from the inside out, and not the outside in, so we can insulate ourselves against the chaos of what happens in the world and leave our fear and stress far behind us.

This is what I mean…

How to Build Your Life From the Inside Out

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Are You Ready to Stop Being Overwhelmed?

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As many of you know, my passion is to bring all tools and resources you need to help you awaken your wealth. I’ve put together a toolbox, I go live regularly on my Facebook, and I’m continually referring to other experts and resources for you to truly awaken every aspect of your wealth. Because real wealth is about more than just money.

It’s so important to understand that money can only be the result of everything else happening in your life. Right now, many of us are going through a season of overwhelm, which is why I think it’s hugely important to share that my dear friend, Christine Arylo, has just come out with her new book: Overwhelmed & Over It. 

So get ready to get over your overwhelm because it’s time for us to finally start living from our heart’s space.

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Why You Should Chase More than a Paycheck

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We all need a paycheck to provide for ourselves and our families, but who says that paycheck can’t come from something you’re passionate about and love doing? Take your passion and make it happen. Why? Because that’s what brings you money! I cannot tell you how many times I’ve witnessed this: real people chasing real dreams and finding real wealth. It’s not only possible, it’s really doable!

You don’t need to stay stuck in a career you don’t love to make money. In fact, staying in a place you feel unfulfilled is limiting you from reaching your full potential.

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The Secret to Funding Your Dreams

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There are some hugely negative connotations in our culture today about constantly having new ideas and dreaming about your future. We’re pressed towards having a steady, life-long career regardless of how it makes us feel, making a lot of money, and that’s our culture’s definition of success… So why do I talk so much about what it means and how it feels to be a dreamer?

Because here’s the truth about dreaming: no dream is idle. As a dreamer, you are one of the lucky ones. You have the energy, openness, and creativity to allow dreams to manifest within you and become your new reality.

Dreaming and pursuing your dreams shouldn’t be reserved for the wealthy. There’s no denying that money affords opportunity, but I believe you can turn the money you have right now into a sustainable support for your dream. You’re not rich? Not a problem. I wasn’t either when I started my financial business. All you need is to find the root of your dream, be practical about where you invest your time and how you save, spend, and invest your money.

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30 Simple Ways to Create Balance and Connection

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