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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What Is Human Design and How Can It Benefit You?

What Is Human Design and How Can It Benefit You? - Julie Murphy

As humans, we tend to love anything that helps us glean more about our personalities. Whether it be the Myers Briggs test, horoscopes, Strength Finder test, or astrology, these can all help us gain an insight into our deeper selves and how we operate best in the world. In this article, I want to introduce you to a modality called Human Design, which uses your birth information to reveal your genetic design. 

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Is It Possible to Create a Truly Passive Income Business?

Is It Possible to Create a Truly Passive Income Business?-  Julie Murphy

In today’s world, we hear a lot about the idea of passive income and making money while you sleep, but is it possible to create a truly passive income business? The answer is yes! You can even have multiple passive income streams. Some take more careful consideration, time, patience and money and others can be less of a commitment. 


Why I love to encourage clients to consider this option is that finding ways to earn or create
 
more money is so much more expansive and empowering than staying within a strict financial container to make cut backs.


In this article, I’m going to share with you what passive income is and what’s important to consider when creating a passive income business. 

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How to Manage Your Debt in 2022

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Feeling weighed down by debt can feel incredibly stressful and debilitating. It can be overwhelming, figuring out how to manage your debt, or where to start tackling it. 

In today’s post, I’m going to offer some advice that will help you move through handling debt with more ease, positivity and action. 

Shift the Way You Think about Debt

I want to offer you a fresh perspective. Think about debt as something neutral - neither good nor bad. It’s simply a choice you have to pay something off over time. Your thoughts and words create your outer world and so reframing how you’re thinking and speaking about debt can help you take a new approach to handling it.

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Money Motivation and How to Change Your Financial Future

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Money motivation can come to us in many different ways and it all comes from our awareness surrounding our finances. For many of us, our bills and mounting debt can be enough to keep us motivated to earn money. 

But if you are sick of being on a rollercoaster of lack in your money, then it’s time to look into how to motivate yourself to make money beyond what you need on a day-to-day basis. Shifting from financial scarcity to financial abundance. 

In this post, I’m going to help kickstart this process for you. 

And I’m here to tell you no matter what your financial situation is today you can find the motivation to get money and fuel your future wealth creation. 

So, let’s get right into it. 

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Positive Self Talk Affirmations and How They Can Make You Money

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Positive self-talk affirmations are one of my secret weapons in building wealth.

I talk a lot about dealing with what I call, “crabs in your bucket”.

These “crabs” are negative words, actions, and vibe-killing thought processes from other people that cause serious damage to our self-image, dreams, and big goals.

These energies get their claws into the deepest parts of your psyche, tearing you down jab by jab, reversing any progress you’ve made, and knocking you back down to where you don’t want to be.

The truth is, though, sometimes we are our own worst crabs. And I think this has a big part in how we speak to ourselves.

Our self-talk is truly the gateway to what our future could hold. I believe, and know, that we speak things into existence.

For example, if we tell ourselves that today will be a bad day, then we more than likely will experience a bad day.

If we say to ourselves that we can’t do something, then we’ll never attempt to do it.

So, how are you talking to yourself? About your job? About your finances?

If you’re speaking negatively to yourself and into the universe, you can expect negativity in return.

To cultivate lasting wealth—both inner and outer—we have to start talking positively to ourselves.

How do you do that?

I like to start with positive self-talk affirmations.

In today’s post, I want to talk about what affirmations are and how I’ve used them to attract money into

my life.

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Positive self talk: trash vs. treasure

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I talk a lot about dealing with the crabs in your bucket. Their negative words, actions or overall vibe can do some serious damage to our self image, dreams or big goals. The crabs like to tear you down by making jabs at the progress you’ve made, constantly attempting to knock you back down to their level.

Sometimes, though, we may be our own worst crabs. And I think that this has a big part in how we speak to ourselves. Our self talk is the gateway to what our future could hold. So often, we speak things into existence. If we tell ourselves that today will be a bad day, than it most likely will be. If we say we can’t go back to school to get a graduate degree, we’ll never even attempt it.

So, how do you talk to yourself? About your body? About your job? About your finances?

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How Do You Make Conscious Financial Decisions?

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Did you know that your subconscious mind is the size of a beach ball and your conscious mind is the size of a ping pong ball. 
 
The problem is, This is where most of us are making conscious choices on a daily basis from only 5% of our actual brain. 
 
So therefore, when you are responding to the world around you, 95% of that comes from your subconscious mind. 
 
There are subconscious patterns that we repeat over and over again without even realizing it. These patterns can be changed if we learn how to address them head on.
 
So many of us need to address the issues that are going on and playing havoc with us year after year after year. So if you're running around in a circle, not accomplishing the things that you want to and you have no idea why you keep repeating these patterns, well it's time to address that subconscious mind, and start creating Heart and Brain coherence.
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Your health, your happiness, your money

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In our Western society, we most often equate happiness with material things. And we devote our professional and financial lives to growing that happiness exponentially. We’re working so hard to be materially happy that we neglect ourselves, and our health begins to take a bit of a dive.

So what is the Western way when we have an ailment? Find a quick fix. There’s a reason why the pharmaceutical industry has exploded; we want to pop a pill to conceal the pain which does very little (if anything) to fix it. With drug stores on every corner and over-the-counter pain killers outnumbering the produce sections of grocery stores, we have been trained to cover up the pain and not treat the root issue.

What does this have to do with your money?

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Wake Up To Your Wealth

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Wake up, it's time to start living your best life. I'm here to help you with one of the most important parts... your money!

It is time to wake up and realize how wealthy we are! We can awaken our wealth by realizing that everything in life is an opportunity for us to grow, learn, and experience joy. We are so blessed to be alive on this planet earth at this very moment in time. 

You are a spiritual being having a human experience. You have been given everything you need, and more, including the ability to tap into your own subconscious wisdom. This is called intuition or your gut feeling. There is no such thing as luck. The universe conspires in your favor to watch you succeed and it will provide what you need in order for that to happen !!! 
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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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