3 Habits to Achieve Real Wealth

Julie Murphy • March 14, 2023

Blog

How to Take Your Manifestations to the Next Level

Real Wealth is a phrase that I have created and encompasses what it means to achieve wealth on every level in life. This includes your finances, your health and wellness, your career, and your relationships and personal life. 


Ultimately it means living a life of happiness and freedom, where you are in the driving seat!


You’re not relying on banks or debt instruments to fund your lifestyle.


You’re in a career, profession, or running a business that lights you up from the inside out.


You have healthy, nourishing relationships with energetically aligned people.


You take care of your health and this feels good and empowering.


That to me is the definition of Real Wealth and the essence of what I teach in my
Julie Murphy work, including in my new book The 4 Spiritual Laws of Money


But perhaps you’re reading this and thinking ‘Hmmm, well yeah, that’s all well and good Jules but I’m drowning in debt, I hate my job and I feel stagnant in my relationship. How do I go from that to Real Wealth? It feels so overwhelming!’


If this sounds like you, or even a part of it resonates, today I’m going to offer you 3 tips and habits you can start to incorporate into your life to get you on your way. 


And I want to empower you to know that embarking on the path to Real Wealth is as much about the journey as the destination.


Yes, you get to experience it right now - if you choose to!


1. Reduce Debt and Plan for Your Future at the Same Time


Many financial planners often advise putting every spare dime you have to pay down your debt. I choose to take a different approach. 


Why?


Well, because it feels far more expansive to pay down your debts, but
also to be working towards your future short-term, mid-term, and long-term goals. 


To build that big, bold, beautiful dream of yours right now!


To
financially insulate yourself from the economy and things that inevitably crop up in life. 


To do this, I encourage you to first accept the true reality of your financial life as it is right now. If you’re still resisting looking at your bank accounts and credit card statements, you’re choosing to plug into your past. 


Until you get a really clear picture of your finances, you won’t be able to create momentum.


So take a deep breath and know that this is the first step to that life of Real Wealth.


When it comes to your income, I encourage you to allocate a portion to paying down your debt, a portion towards your short-term financial intentions, a portion towards your mid-term financial intentions, and then a portion towards your long-term vision. 


All of these should be placed in separate bank accounts and automated so that you don’t have to think about it.


I talk far more extensively about this in my videos, and other blog posts and for
those seeking additional personalized support, via coaching


If this feels overwhelming, I get it! You can start small. The number isn’t the focus here. Even if you only have a dollar (or whichever currency you work with) to put towards each of those financial buckets every month, it’s the
energy of intention that’s important here. 


By actively participating in your own life of Real Wealth, where you don’t have to rely on the bank or credit cards, you’re saying to the universe or source ‘Hey, I’m ready to do this - let’s go!’


2. Seek Support to Help you Work Through Old Suffering Patterns


This part is again overlooked by many financial professionals in the field but money is incredibly energetic.


When we remain in our past negative patterns and operate on a low-level vibration, things will never change. Or, they might temporarily but then something will suffer along the way. 


These habits have typically been created and cemented by the age of just 7 years old, so if you have any judgment about your patterns, please be compassionate with yourself. These are simply learned beliefs and behaviors and they can be broken. 


It just takes building awareness and working with tools, teachers, and techniques to shed those layers of your past self. 


Our patterns can also hijack how we set our intentions for what we truly want in life. When we set intentions from a place where we are not fully ourselves, due to negotiating ourselves away in some form, we get mixed results. 


You have the power to undo that patterning, but I deeply encourage you to explore other modalities such as
RTT and hypnotherapy. This can provide that energetic container to lift you out of any old negative conditioning and to see your life and your desires through a fresh, bright, and clear lens. 


3. Real Wealth isn’t About the Hustle!


In my framework the PACT process, the T stands for Take Action. 


However, this doesn’t mean doing so much that you lose sight of your authentic self and desires!


This can be challenging for many of us type-A personalities (yup, me included!). But once you are taking the necessary action steps to work through your finances and energetically align to your soul desires in those other pillars of your life, your job is to….


…..do nothing.


Yes - you heard that right!


Now that you’ve gotten an energetic upgrade to align with a higher vibration of yourself, and have taken the necessary action steps (that have hopefully become more joyful and empowering in the process!), there is nothing more to do and there is nothing to accomplish.


There is also nothing to be missed, my beautiful friend. 


This part of your journey is about you becoming a human being, not a human doing.


We all have divine masculine and divine feminine energy. The masculine is the ‘doing’ side and the ‘being’ is the feminine side. 


When we do this work with intention, and we shift energetically, the universe, God, the light (to me it’s all the same thing) is an energetic force that will rearrange your life and bring you opportunities to step into that alignment with your soul's path.


They might not come in the way you expected. 


They might come packaged in a way that surprises you!


And there will be challenges and tests along the way that only exist to keep your nervous system neutral and to allow you to stay aligned with your big, overall goal and vision. 


Your only job is to manage your energy daily with your 4 fold being: the mental, emotional, physical, and spiritual self. To keep that nervous system of yours neutral and boldly step into those beautiful synchronicities in life when they show up.


The journey to Real Wealth is also about self-discovery, and shedding those past layers to create physical and energetic space for the new you to evolve, bloom, and thrive!


My new book The 4 Spiritual Laws of Money explores this on a far deeper level, so if my work resonates and you feel called to, you can purchase your copy
here.



Share Blog On Social

A woman is smiling while money is falling around her.
Image of budget planning worksheets
A sign that says join julie on youtube
A book titled the spiritual laws of money
Get it NOW!

Recent Blogs


By Julie Murphy August 4, 2026
What if nothing is wrong with your life? What if the frustration you feel... The anxiety around money... The constant striving... The feeling that something is missing... Isn't a sign that you're failing. What if it's simply your soul trying to wake you up? So many of us spend our lives searching for the next thing we believe will finally make us feel whole. More money. A different relationship. A better job. A healthier body. Another vacation. Another achievement. Another finish line. Yet somehow, after every accomplishment, that feeling quietly returns. "There has to be more than this." And there is. Not because your life is lacking. Because you've been taught to look for fulfillment in places it was never meant to come from. One of the greatest lessons I've learned is that life is always working for us, even when it doesn't feel like it. Every challenge... Every financial struggle... Every relationship... Every fear... Every success... They're all invitations. Not punishments. Invitations to become more aware. Because awareness changes everything. You can't transform a belief you don't know you're carrying. You can't heal a wound you refuse to acknowledge. You can't create a different future while living from yesterday's programming. This is why I don't believe true wealth begins with your bank account. It begins with your awareness. Money simply magnifies the relationship you already have with yourself. If you believe you're not enough... No amount of money will ever feel like enough. If you don't trust yourself... It won't matter how much financial security you create. You'll still feel uncertain. Real wealth isn't something we earn. It's something we uncover. It's been within us all along, buried beneath years of conditioning, fear, expectations, and stories that were never ours to begin with. When we begin clearing away those layers, something beautiful happens. We stop chasing. We start creating. We stop reacting. We begin choosing. We stop living from fear. We begin living from love. That's where abundance begins. Not outside of you. Inside of you. That's why I created the 21-Day Wake Up Wealth Challenge . Not to teach you how to make more money. Not to convince you that positive thinking changes everything. But to give you space. Space to slow down. Space to become aware. Space to notice the patterns you've been living from without even realizing it. Over the course of 21 days, you'll begin seeing yourself differently. You'll explore the beliefs shaping your financial life. You'll reconnect with your intuition. You'll learn how your emotions influence your decisions. Most importantly... You'll begin remembering that you already have everything within you to create a life that feels aligned, peaceful, and abundant. The challenge isn't about becoming someone new. It's about coming home to who you've always been. If your heart has been whispering that it's time for something different... Listen. It may be the beginning of everything. I'd love to walk this journey with you. Because your greatest investment has never been in the stock market. It's always been in yourself. And when you awaken that relationship... Everything else begins to change. With Love, Julie P.S. Sometimes the biggest transformation doesn't happen because life changes around us. It happens because we finally become aware of the life we've been creating, and realize we have the power to create something new. If you're ready, I'd love to have you join us for the 21-Day Wake Up Wealth Challenge.
Real financial freedom isn't about accumulating more. It's about creating choice.
By Julie Murphy July 7, 2026
Real financial freedom isn't about accumulating more. It's about creating choice.
Abundance is created when you trust yourself enough to let your heart lead the way.
By Julie Murphy June 4, 2026
Many people believe abundance is something they need to create outside of themselves.
Show More

Similar Blogs

By Julie Murphy August 4, 2026
What if nothing is wrong with your life? What if the frustration you feel... The anxiety around money... The constant striving... The feeling that something is missing... Isn't a sign that you're failing. What if it's simply your soul trying to wake you up? So many of us spend our lives searching for the next thing we believe will finally make us feel whole. More money. A different relationship. A better job. A healthier body. Another vacation. Another achievement. Another finish line. Yet somehow, after every accomplishment, that feeling quietly returns. "There has to be more than this." And there is. Not because your life is lacking. Because you've been taught to look for fulfillment in places it was never meant to come from. One of the greatest lessons I've learned is that life is always working for us, even when it doesn't feel like it. Every challenge... Every financial struggle... Every relationship... Every fear... Every success... They're all invitations. Not punishments. Invitations to become more aware. Because awareness changes everything. You can't transform a belief you don't know you're carrying. You can't heal a wound you refuse to acknowledge. You can't create a different future while living from yesterday's programming. This is why I don't believe true wealth begins with your bank account. It begins with your awareness. Money simply magnifies the relationship you already have with yourself. If you believe you're not enough... No amount of money will ever feel like enough. If you don't trust yourself... It won't matter how much financial security you create. You'll still feel uncertain. Real wealth isn't something we earn. It's something we uncover. It's been within us all along, buried beneath years of conditioning, fear, expectations, and stories that were never ours to begin with. When we begin clearing away those layers, something beautiful happens. We stop chasing. We start creating. We stop reacting. We begin choosing. We stop living from fear. We begin living from love. That's where abundance begins. Not outside of you. Inside of you. That's why I created the 21-Day Wake Up Wealth Challenge . Not to teach you how to make more money. Not to convince you that positive thinking changes everything. But to give you space. Space to slow down. Space to become aware. Space to notice the patterns you've been living from without even realizing it. Over the course of 21 days, you'll begin seeing yourself differently. You'll explore the beliefs shaping your financial life. You'll reconnect with your intuition. You'll learn how your emotions influence your decisions. Most importantly... You'll begin remembering that you already have everything within you to create a life that feels aligned, peaceful, and abundant. The challenge isn't about becoming someone new. It's about coming home to who you've always been. If your heart has been whispering that it's time for something different... Listen. It may be the beginning of everything. I'd love to walk this journey with you. Because your greatest investment has never been in the stock market. It's always been in yourself. And when you awaken that relationship... Everything else begins to change. With Love, Julie P.S. Sometimes the biggest transformation doesn't happen because life changes around us. It happens because we finally become aware of the life we've been creating, and realize we have the power to create something new. If you're ready, I'd love to have you join us for the 21-Day Wake Up Wealth Challenge.
Real financial freedom isn't about accumulating more. It's about creating choice.
By Julie Murphy July 7, 2026
Real financial freedom isn't about accumulating more. It's about creating choice.
Abundance is created when you trust yourself enough to let your heart lead the way.
By Julie Murphy June 4, 2026
Many people believe abundance is something they need to create outside of themselves.
Wealth doesn’t come from managing money.
It comes from managing the emotions behind your money
By Julie Murphy May 6, 2026
Your ability to create wealth has far less to do with numbers… and far more to do with what’s happening inside of you.
Show More