Hal Elrod: Hey, there. It’s Hal Elrod, and welcome to the Achieve Your Goals podcast. Today, we’re talking about something that is hitting close to home for millions of people right now, and that is financial anxiety and economic uncertainty. Now, in preparing for today’s episode, I came across a recent national survey that stated nearly 70% of Americans, and I’d imagine it’s true worldwide, but this specific survey was to Americans, but nearly 70% of Americans are experiencing financial anxiety and economic uncertainty. And it’s not just mental and emotional. 41% report physical symptoms. You can probably relate to this.

So, headaches, muscle tension, digestive issues, which is caused by stress, and probably the one that’s most prevalent and that we can all relate to, is insomnia, right? Trouble falling asleep, trouble staying asleep because we’re stressed out and we’re overwhelmed. And what’s worse is 76% of people are trying to deal with the stress alone. They’re trying to solve their financial issues, even though they’re stressed out and they’re overwhelmed, and if they can’t think straight and don’t know what to do, they’re trying to solve it alone. And I can relate to that because during the 2008 financial crash, when I lost over half of my income and I was struggling financially, and my house was foreclosed, and all these things, I suffered in silence for roughly six months.

And it was only when I finally asked for help, after I was keeping it to myself, trying to figure it out alone, it was only when I asked for help that I gained the clarity that I needed to turn my financial situation around. So, if you’re feeling financial anxiety right now, if you’re stressed, worried, struggling financially, either in the moment like your current financial situation, or you’re seeing it on the horizon and you’re afraid of what’s coming down the pipe, I want you to know that, A, you’re not alone, and more importantly, you’re not powerless.

Today, I’m going to share with you three practical steps that you can take to stop letting financial fear and anxiety, and overwhelm run your life, and you can start reclaiming both your peace of mind first, that internal shift, take a breath with me, and reclaiming control over your financial future. And I’ll share a few personal stories from some of the toughest financial seasons of my life, I already alluded to the 2008 crash, and how I navigated massive uncertainty, massive stress, my literally not having enough money to pay my bills. And I navigated that season to not just survive, but to come out better and more financially abundant on the other side, and to do it relatively quickly, I mean in a matter of months.

All right. Now, the truth is, and kind of starting with just where are we? The truth is you can’t control the economy, but you can control your mindset. You can control your habits. You can control how you respond. And I want you to start by considering a reframe of the financial anxiety that you might be experiencing right now. Don’t see it as a threat, but I’m inviting you to see it as a signal, a message from your body telling you it’s time to get focused. It is time to take action. It is time to focus on your finances, on your income, on possibly minimizing your expenses and maximizing your income opportunities, and that’s what we’re going to focus on today.

All right. So, let’s walk through three steps to help you manage financial anxiety and create inner peace and gain control over your financial future, no matter what’s happening in the world around you and no matter what’s happening up until this point in your life. Step one: Master your mindset. Probably not a surprise that’s where we’re starting, but the first step is to master your mindset. And for me and millions of other people, that starts with the Miracle Morning. Your mindset is like the filter that you view your challenges, right? If your filter is full of fear, you’ll feel paralyzed, but if it’s full of faith and resourcefulness and purpose and growth and clarity, you’ll feel empowered.

Everything begins and ends with your mindset. So, of course, I use the S.A.V.E.R.S. every morning to center myself. Silence, affirmations, visualization, exercise, reading, and scribing. Silence helps me calm my mind, whether you’re meditating or you’re praying. I did a podcast a few months or probably a month or so ago, The Power of Prayer – It’s Not What You Think. You can go back and search for that if you want to listen to it. But I talked about the scientific benefits of prayer, whether someone even believes that they’re praying to God or not. If they pray or whether they’re… I won’t go into detail on it, but the point is prayer, meditation, breath work, all of these silence practices help you to calm your mind, lower your cortisol levels, and get centered for the day.

Now, let me actually take a different approach here. Before I go through the rest of the S.A.V.E.R.S., here’s my personal example of how this worked for me. Back in 2008, the economy was getting worse, but I doubled my income in two months, and not because the economy got better, but because I got better. That’s where the Miracle Morning began. If you don’t know the story, here’s the 32nd, well, probably 62nd version. 2008, right? The economy crashed. I lost over half of my coaching clients. I can’t pay my bills. I’m living on credit cards. I stopped paying my mortgage. My house is foreclosed on and taken away by the bank. I’m like stressed, overwhelmed, lowest point in my life.

Six months into this journey of like depression and desperation, I finally reached out. My wife actually encouraged me to reach out to my good friend, Jon Berghoff, and I said, “Jon, I’m struggling, man. I haven’t told anybody this other than Ursula, my wife,” and I think she was my fiancée at the time. I said, “But I don’t know what to do.” And he encouraged me to go listen to a Jim Rohn audio. And during that Jim Rohn audio, I heard a quote, “Your level of success will seldom exceed your level of personal development.” And I went home and I googled “What are the world’s most successful people do for personal development?” And that’s when I came up with the six practices that are now known as the S.A.V.E.R.S..

I woke up the next morning, and here’s what I did, and here’s what I’m encouraging you to do with your S.A.V.E.R.S.. Now, if you’re not a Miracle Morning practitioner and you just discovered the podcast today, welcome to the podcast. You can go to MiracleMorning.com to get the lowdown on the S.A.V.E.R.S. and what they are. But right now, I’m going to tell you how I applied them specifically to increasing my income, to improving my financial situation. So, the S.A.V.E.R.S. are six different practices, right? And you can apply them to whatever you want. When I had cancer, I applied them to beating cancer, but in 2008, it was the only thing that mattered at that point to me. Not the only thing that mattered, but the most important, highest priority, most urgent priority was I’ve got to increase my income because I am drowning financially.

So, I already kind of went over silence. I used my meditation to, again, just calm my mind. I prayed with unwavering faith that, “God, please help me to increase my income to turn my financial situation around.” So, that helped me to develop calm, to fuel my faith, so on and so forth. Then the affirmation is where things got very, very real. With my affirmations, I would affirm, step one, what I was committed to. I was committed to doubling my income. Now, it was as fast as I could. I figured it would take about a year, but I had lost over half my income. So, I was committed, first and foremost, to doubling my income so that I could get back to where I was before the economy crashed, and I lost over half of my income. That was my first step was to double my income.

Number two, the second step in the affirmations is affirming why it is a must for you. So, I affirmed why it was a must for me. Why was I willing to do whatever it took? And this was important because the why is how I overcame the depression that I felt, the hopelessness that I felt because the why, I had a few bullet points, right, to provide financial security for me and my fiancée because we wanted and deserved to have that, to be able to set ourselves up for financial freedom in the future. I didn’t delude myself into thinking that I was going to go from in debt and broke and not making enough money to pay the bills to financial freedom, right? Like, there was a step in between, which is like, I’ve got to get financially secure first. That’s my next commitment to get my income back to where it was.

And then eventually my affirmations evolved into making my first million dollars and all of these other things, but it started with, “Hey, I just got to get back to being able to pay my monthly bills.” That was the first affirmation that I created. And again, step one, affirming what I was committed to in terms of doubling my income. Step two, affirming why it was a must for me. So, I had the reasons that fueled me to do what I needed to do, even if it didn’t feel like it. And then step three, which actions I would take and when. Now, I’m going to go down to the R in S.A.V.E.R.S. because this was very important. I immediately, and I would encourage you to do this if you’re not already reading a book that is focused on helping you either pay off debt, if that’s your big issue is debt, if it’s increasing your income.

I’d say for most people listening to this, it’s going to be like, how do you increase your income? Because if you have enough money to pay all the bills and pay down your debt, you’re in a good place. But if you’re struggling, if you don’t have enough money to pay the bills, everything in your life, your mental health, physical health, like we talked about, it is all detrimental to every aspect of your being, for most of us. So, for me, I bought a book by Michael Port called Book Yourself Solid. Now, this might not be the book that you’re going to read to increase your income because it depends on what you do, right? If you’re an attorney, probably go buy a book that teaches attorneys how to get more clients. And actually, technically, this book would work for that.

Let me explain. So, Book Yourself Solid is about if you are a service-based business that makes your money by serving clients, this teaches you how to get more clients. So, again, if you’re selling like a product on Amazon, this is not the book for you. If you work a specific job that doesn’t involve getting clients, this may not be the book for you. The point is to go find a book or talk to ChatGPT, tell it your exact situation, and learn from someone who has, when they wrote that book, they were writing it from a place of abundance and success and not a place of fear and desperation that we might be in when we’re struggling financially.

So, that book was crucial because I got things from that book to go into my affirmations because step three of affirmations is affirming which actions you will take and when you will take them. Well, I was reading Book Yourself Solid by Michael Port, and I was getting the actions that he was telling me, teaching me to do, and then I was integrating them into my affirmations. So, now I’m reading affirmations that affirm those three steps or those three things. Number one, affirming what I was committed to in terms of doubling my income. Number two, affirming why it was a must for me to keep me motivated and focused, and on purpose. And number three, taking those actions from the Book Yourself Solid book and integrating which actions I was committed to taking and when I was going to take them.

Going into the V of visualization, right? Seeing a future where you are financially free and peaceful, so you feel compelled to move toward that future. But then more importantly, the second part of visualization is mentally rehearsing what you need to do today. In fact, you can simply mentally rehearse, visualize the actions that you just affirmed in the third step of your affirmations where you affirmed which actions you were going to take and when. Now, you’re visualizing yourself taking those actions today, and you’re seeing yourself doing it in a peak mental and emotional state. So, when it’s time to actually take those actions, which might be out of your comfort zone, well, now you’ve mentally rehearsed taking them in a peak state, so you’re much more compelled and prepared to actually take those actions.

This is how world-class athletes use visualization to mentally rehearse themselves performing their best in a game or performing under pressure when things aren’t going their way, so that when life hits them, when it’s actually game time, they’ve already mentally rehearsed showing up at their best in all situations. So, that’s the purpose for me. And I think for you, the most effective way to visualize is, yes, see a future where you are financially free and peaceful so you are pulled toward that future. But then spend a minute or two, or three or five if you need to mentally rehearsing, that’s the visualization, that’s the second part, mentally rehearsing doing the things you need to do today that will move you forward.

So, for me, I needed to get on the phone and I needed to call prospective clients. Well, when you’re struggling financially or when I was struggling financially, it was like I don’t feel like it. I’m in a fear state. I’m not in a confident state, right? That’s why step number one of these three steps that we’re going through today is to master your mindset. You’ve got to get into a positive, confident, optimistic mindset first, and that will propel you through the next two steps that I’m going to share with you.

The E in S.A.V.E.R.S., of course, is for exercise, and that gets stress out of the body, like you literally need to move your body. Both of that helps relieve stress. I know my wife, right, when she’s stressed out, she goes and does a one-hour workout class at the gym, and she comes back like ready to go. She’s renewed. She released that stress by moving her body. It’s a somatic response to stress, where you don’t just sit and stew in it on your couch and overthink things. You actually move your body and physically release the stress. So, exercise also helps you to get the blood flowing through your body, oxygen and blood flowing to your brain, so you have more mental clarity, so you can make better decisions.

We already covered the R in S.A.V.E.R.S., reading to expand your knowledge, especially on making money, improving your mindset, so on and so forth. Books like Think and Grow Rich or Secrets of the Millionaire Mind. These are books I read in my younger days that helped give me a general overall money mindset around that money wasn’t a bad thing. It wasn’t the root of all evil. Money was energy. It allowed me to live my values more. Whatever I wanted to do, if I wanted to help more people, the more money I had, the more I could reinvest into my business to reach and help more people. If I wanted to help those that were in need, I could take that money, that energy, and I could donate it to charity.

So, optimizing your money mindset through the books that you read. So, you might have a specific book like I did on getting more clients, or if you need a general book on just how do you have a more of a money mindset, again, Secret to the Millionaire Mind, Think and Grow Rich, The Science of Getting Rich by Wallace Waddles, I believe. So, those are some good general books.

And then last but not least, scribing. And scribing, two things, no, three things, three steps for the way that I like to describe. Number one, write down the things that are causing you stress so you can get them out of your mind, and you can put them on paper, and you can create a separation. If you just have them in your mind, like you’re just holding them in your mind, it’s almost like our brain always feels like it needs to remember things, so it doesn’t forget including stressors, but if you write it down in your journal, oh, it’s like exhaling. You can release that stress from your mind, put it on paper, and now you can look at it, you can observe it, separate from yourself, and you can decide what to do about it. So, that’s the first step of scribing. Write down the things that are causing you stress to get them out of your mind and create separation.

Step two: Write what you’re grateful for. Write the things that you have, the blessings you have in your life, the blessings you have in your life. Because when we are in a fear state, when we are in a scarcity state, when we are imagining what we don’t have, very often that’s not the empowered mindset that you want to create more to generate abundance. You want to come from a place of abundance. It’s, “Wow, I already have a roof over my head. I might not be making the amount of money I need to pay my bills, but I am earning money right now.”

And maybe you’re not, maybe you’re not making any money. Maybe you just got laid off, right? So, it varies depending on the situation. But the point being, find the things in your life that you can be grateful for, the blessings that you have, and write those down. So, similar to creating the separation of the stressors in your life that you’re holding in your mind and body, when you write down the blessings that you have, it’s almost like an opposite effect where you’re not releasing them, you’re amplifying them. You are putting a spotlight on the gratitude and on the blessings so that you are more empowered to create more blessings in your life.

So, those six practices, the S.A.V.E.R.S., and again, I know many of you are like, yeah, you’re picking up some tips here, but you’re already a Miracle Morning practitioner, or maybe you fell off your S.A.V.E.R.S., whatever it is. Here’s the last thing I want to say to you. Remember, 2008, my example the economy crashed six months of declining. I was losing everything. Not everything, but I was losing, I lost my income, lost my house, lost my credit score. It went from 800 to 500, went deep into debt. And within two months of doing the Miracle Morning, it wasn’t even called the Miracle Morning back then, and these weren’t even called the S.A.V.E.R.S., but it was these six practices and it was waking up and starting every day with these practices.

Within two months, while the economy got worse, because I got better, I became more capable, I mastered my mindset, more capable, more creative, more confident. Through those six practices, I was able to double my income in two months. And that’s why it’s called the Miracle Morning because I told my wife, like a miracle that this morning routine doubled my income in two months. And she goes, “It’s your miracle morning.” And the rest is history, right? So, that’s step one. Master your mindset, do that using the S.A.V.E.R.S., and focus your S.A.V.E.R.S. as much as possible on your single goal, on the goal of increasing your income or improving your mindset as part of your efforts to increase your income.

All right, step two, control what you can. Step two is to control what you can. Financial fear thrives in uncertainty, so your job is to bring clarity into the chaos. And here’s what I recommend doing, and you might cringe at this because you’re like, ah, like, if you’re like me, some people love this. I don’t. This takes real discipline for me, and it’s to start by looking at your finances. Look at your expenses, literally schedule time this week. Just do it. It’ll only be hard. It’s like running when you don’t like running. It’s only hard to start. It’s only hard to just take the first few steps, but once you start, you just keep going. That’s what it’s like to do anything you don’t like doing. And I know for me, I have to schedule, commit and ideally, get some accountability so someone knows that I’m committed to doing this and I’m going to check in with them. But schedule time this week to review your monthly spending and identify what are the needs and what are the nice to haves, like what are the wants.

I’ll give you an example. About a year ago, well, and I’ll just say longer than a year ago, so 2008 was 17 years ago. I can’t believe that. I’ve spent the last 17 years with a low level of financial anxiety. I’m being totally honest right now, like I’ve been waiting for, okay, when’s the economy going to crash again? And it feels like it was way overdue, like it should have happened a long time ago. So, being that it’s this low level of like, oh my gosh, I was scarred by the 2008 financial crash, I was also empowered based on what I’m telling you today, but I was also scarred. It was painful, and I was like, “Oh, my gosh, this could happen again. I got to be careful with my finances,” right? Once you’ve been financially distraught or through a financial crisis once, just like being through a health crisis, it tends to lurk in the back of your mind

So, being that’s the case about a year ago, I noticed the economy was shifting, not in a good way, or I at least was concerned that it was going to be shifting, and my income hadn’t dropped yet, but I knew that it could. So, what did I do? When my income was really high, I bought my dream car. I bought a Tesla Model X. That was my dream car. So, what did I do when I started to notice the economy was shifting? I asked myself, I made a list, what are all my needs and what are all my wants? I love this car. I do not need this car.

So, I called Tesla or I went to the dealership. I don’t remember. I think I called first and I asked, “Hey, what would happen or how does it work if I, could I trade in my Tesla Model X for a more affordable Model Y?” And they said, “Yes, you’ll actually get cash back and your payment will go way down.” So, that decision alone cut my car payment by 60%. So, 60% lower. And again, I remember talking to a buddy of mine and I told him I was doing this. He’s like, “Why?” He’s like, “The economy’s fine.” I said, “I’ve been through this before and I’d rather be prepared and lower my expenses now than when I have to lower my expenses.” And it took him almost a year, but he just like a few weeks ago, did the exact same thing and he traded in his car and got a much less expensive car. And he told me it was for that reason.

Also, another thing I was doing at the time, again, when money was good and things were going great, I had a food delivery service. It was organic food that was delivered every week. And I think it was like 400 bucks a week. It was not cheap. So, I mean that way, a $1,600 a month, right? That’s not cheap. I immediately decided to cancel that and go back to making my own lunch. It was a luxury for me. It was like, hey, I’m going to order these organic lunches. They’re pre-made. That’ll save me time, which I can then put back into the business. But the reality was, it didn’t happen that way. Like, my lunch break stayed exactly the same amount of time. Just because I wasn’t spending 15 minutes making lunch, I was using that time to just relax and watch YouTube during my lunch break, anyway.

So, I canceled that food delivery service, right? I realized that my Tesla, those cars, that food, those were luxuries. I didn’t need them to stay healthy or stay happy. And there were other things. I won’t go on and on down the list, but every expense you cut, think of it this way, it is a relief. It adds to your financial piece, which adds to your financial power. We obviously think so much, especially if you’re optimistic about like, how do I make more, make more, make more, make more? I want to make more money, versus how do I cut expenses? But when you cut expenses, it’s the equivalent of making more money because you might not be earning more on the top line, but you are keeping more on the bottom line, and that is making more money.

And while you’re at it, set one small financial goal, whether it’s saving an extra $100 this month or paying off a small debt, taking action builds confidence. So, lower your expenses and set a goal to increase your income even by a small amount. And that leads us into step three. Step three, take income-increasing action. Take income-increasing action, and specifically schedule time to take income-increasing action. If you happen to be taking notes, which I should have invited you to do in the beginning, because otherwise, you’re counting on your memory to remember all of this, and the odds are you’re probably not going to remember it all because you’re going to listen to another podcast and forget a lot of what I said.

So, anyway, and with that, by the way, just recapping step one, master your mindset, utilize the S.A.V.E.R.S. by focusing all six S.A.V.E.R.S. on your goal of increasing your income. And remember, I was able to double my income by focusing those six S.A.V.E.R.S. on the objective of doubling my income. So, step one is master your mindset, utilize the S.A.V.E.R.S.. Step two, again, control what you can. By me, lowering my expenses, I lowered– so I can tell you specifically, I lowered over $2,000 a month in expenses last year at that time. And I didn’t need to, I still had enough income, but I was preparing for the future, the economy going down, income going down, et cetera. So, whether or not you’re already in that spot where income has gone down, spend time, schedule time to lower your expenses, review your credit card statements, review your bank statements, look at where you can lower your expenses. You could even refinance your house, although I take that back, with interest rates, probably not a good idea. But anyway, but for some people that might be a good idea.

All right, step three, take income-increasing action. All right, so cutting expenses is part of the equation, but the other part and my favorite part, it’s way more fun to me, earning more, looking for ways to become more financially abundant. Now, I am not saying to go start a side hustle tomorrow, although you definitely could. But I am saying, start thinking creatively. Start thinking proactively. What skills do you have? What can you offer to others? What part of your business could you expand? Or obviously, if you have a job, I have my brother-in-law right now, right? He is interviewing, he’s got a great job, but he believes he’s worth more. Like, think about this. This is a great example. My brother-in-law has a great job, but he’s very confident in his abilities and he feels like he is being underpaid. So, he’s interviewing, I think he’s interviewed for five other positions and I think he’s gotten all five. But they’re in other states, so he’s trying to figure out where he is going to move. But the point is, he is asking for, I think it’s 10% more than he’s currently being paid and he’s getting offered it from these other companies. Now, think about that.

So, imagine, and if you work for, in a salaried position, for example, imagine that creativity, like, I don’t think that most folks in a salaried position are like I’m worth more than this. I’m going to go interview and get a job doing the same exact thing I do now, but paying me 10% more or 15 or 20 or whatever, right? But that’s thinking creatively, that’s what I’m talking about. Personally, back in 2008, I was coaching one-on-one clients. So, one of the things that I did, and this was from another book that I got around that time, which was called Multiple Streams of Coaching Income. I can’t remember the author. But I was earning my money from coaching one-on-one. I think I was earning $625 a month back then for my coaching services. Again, this was 17 years ago.

And what I decided to do was I asked myself this question, how can I help more people at a lower price point? Because what had happened was the way that I lost half of my income is half of my coaching clients said, I can’t afford to pay coaching anymore. They had lost their income based on whether they were in real estate or whatever industry they were in. They were in direct sales, a lot of them, and their income had gone down. And so, they couldn’t afford coaching or they had to quit something. They had to let go of one expense. So, they let me go. So, I asked myself, how could I coach more people? How could I serve more people at a lower price point?

So, I launched a group coaching program at $97 a month. So, think about that. If I was presenting my coaching fee for one-on-one coaching at $625, right, people are going, ah, man, I can’t afford $600 a month right now. And in today’s dollars, that’s probably double that, I’m assuming, like $1,200 a month, right? Give or take. But they couldn’t afford that. Then I said, “Hey, well, we have group coaching. You don’t get the one-on-one interaction, but you can ask questions on the calls.” And I would explain to them group coaching. It’s only $97 a month. They’re like, “Oh, my gosh, $600 is out of my budget, but I could afford $97.”

And I want you to pay attention to this. My income went from, I think, roughly $12,000 a month because I went from serving 20 clients at $625 a month to within six months, I had over 220 group coaching clients at $97 a month, which added $22,000 in income. So, my income went from $12,000 a month roughly from one-on-one coaching to, I don’t know, what is that, $34,000 a month, something like that? And the economy didn’t get better. I just utilized my S.A.V.E.R.S. to read books on how to increase my coaching income and got creative with– what are my skills? I can coach people. How might I increase my income? What if I did a group coaching program, which again, I learned from the book Multiple Streams of Coaching Income?

So, it wasn’t magic, right? This was strategy. It was responding to uncertainty. It was responding to a need. People needed help with creativity and service. And don’t do this alone. Reach out. Talk to a mentor. Ask a friend as I did. Read a book. Talk to ChatGPT. Sometimes just talking through ideas or challenges you’re facing will spark solutions that you never saw coming. But here’s my recommendation. Schedule time.

Actually, there’s three things. Let me review this entire– we’re going to wrap this up. Three things. So, schedule income-increasing action, schedule that time. But three things are, number one, schedule time to master your mindset. So, step one doesn’t happen because you hear me say it. It happens because you allocate time to actually do it. Schedule time to master your mindset.

Now, again, if you’re a Miracle Morning practitioner and you’re doing your S.A.V.E.R.S., boom, you’ve already gotten your schedule. Now, just focus your S.A.V.E.R.S. specifically on the objective of increasing your income, improving your financial situation, right? Focus your S.A.V.E.R.S. on the most important outcome in your life. It doesn’t mean you neglect the other areas. It means that you have your mission, which is to, in this example of me in 2008 and what I’m sharing on today’s podcast is to create financial certainty, financial success by first mastering your mindset and scheduling time to do that.

Number two, controlling what you can. You can’t control the economy, but you can control your expenses. You can decide what are your needs and what are your wants, but again, it comes by scheduling time to do it. You’ve got to schedule time to review your expenses and then to make adjustments. I don’t know about you, but I have apps that I’m paying for that I don’t need to pay for. I have subscriptions. And again, my car payment, you can do the things that I shared, examples of looking at where can you cut your expenses, and then taking action to do that. And remember what I said that when you cut an expense, every expense you cut is a relief. It adds to your inner peace and it doesn’t increase your income, but it increases the amount of money that you keep, which is almost the same thing. If you understand, catch my drift.

And then number three, schedule time to take income-increasing actions. So, for me, back in 2008, I had time scheduled to implement what I was learning and what I was doing in the morning when I was mastering my mindset to actually schedule time to reach out to potential coaching clients, have coaching calls, et cetera, et cetera.

All right, bringing it all together, if you are feeling financial anxiety, that is your three-step inner peace and financial future control plan. Master your mindset because your inner world creates your outer reality. Control what you can by cutting what’s unnecessary and focusing on what you can influence and stop trying to control the uncontrollable. And then step three, take income-increasing action. Start thinking creatively like a problem solver. How can I utilize my skills and abilities to help more people? In my case, it was how do I help more people at a lower price point so they can afford me and I remove that obstacle for them of being able to afford the coaching that they want and need? Whatever it is for you, schedule time to do those three things. And think of this. Your peace of mind is not determined by your paycheck, but your perspective. It all starts with inner peace, which starts with mastering your mindset. So, if you are ready, take a deep breath, ah, let it out. Take another deep breath, and then grab your schedule and put three blocks of time in there, to master your mindset, to control what you can, and to take income-increasing action blocks.

All right, goal achievers and members of the Miracle Morning Community, if today has helped you, please share this with somebody you love, someone that needs to deal with their financial anxiety and economic uncertainty, somebody that might be struggling in silence, like I was. You might be the reason they find a little bit of hope today. And if you haven’t ever done this, if you get value from the podcast, please leave a review on Apple Podcasts or Spotify. It helps the show reach more people and I really, really appreciate it and I appreciate you. Thank you for tuning in, and I will talk to you next week.