Find Financial Freedom with the PACT!

Julie Murphy • September 19, 2023

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How to Take Your Manifestations to the Next Level

Money woes are hardly a novel predicament; throughout history, individuals worldwide have grappled with significant financial challenges.

Interestingly, debt appears to rise in tandem with income. Even those earning substantial four-, five-, or six-figure incomes often find themselves trapped in a financial quagmire. After settling their debts and taking care of housing, transportation, and childcare costs, there's barely anything left for savings. This dilemma cuts across all socioeconomic strata, painting a grim picture of a world living for the moment, unable to plan for retirement, and perpetually teetering on the brink of financial catastrophe.

I witness this chaotic scenario up close every day as an independent wealth advisor. I empathize with the universal struggle, as I too was ensnared in the statistics for years. Burdened by college loans, assisting family members in need, and haunted by my parents' fear-driven belief that there'd never be enough money to sustain us, I watched as my income flowed through my fingers faster than I could earn it. There always seemed to be an unforeseen expense lurking around the corner.

A Shift in Perspective

We're all composed of energy. Our bodies, the world around us—everything is energy. Even money is energy, a form of stored energy. The key to financial success lies in transforming our relationship with money. We must redirect and reshape our energy, focusing on what we desire instead of dwelling on our fears. The shift involves transferring our focus from the obstacles to the positive outcomes we seek. This change in mindset propels us from where we've been to where we aspire to be.

When it comes to our financial mindset, we often inherit attitudes and beliefs from our family backgrounds, inevitably replicating the financial behaviors of our parents.

Money: The Lifeblood of Existence

Money is often one of the most challenging topics to broach, triggering intense emotions in all of us. It serves as the life force that drives the world, sustaining and powering our lives. Our relationship with money parallels our connections with our partners, children, and ourselves—it's a perpetual, enduring bond.

So, what's your relationship with money? Do you love it, hate it, need it, want it, make it, lose it, like it, save it, invest it, worship it, and fear it—or perhaps a combination of these feelings? Some prefer to sweep their financial bottom line under the rug, hoping that money magically materializes when needed to cover expenses and then some. Others live recklessly, spending without restraint and suffering the consequences of overwhelming debt and exorbitant interest rates. The mere thought of money can be simultaneously thrilling and infuriating.

Interestingly, some people find it easier to discuss their intimate lives than to divulge details about their financial situation—how much they earn, spend, save, or invest. Fortunately, once we grasp the dynamics of money and our personal relationship with it, we can actively engage in shaping our financial future. Let's be honest: money is as vital to our lifestyle and overall well-being as the blood coursing through our veins!

Crafting a Viable Solution

When people seek to better understand themselves, they often turn to the field of psychology. In my quest for self-discovery, I turned to the realm of money management and financial planning. With my own financial challenges to confront, I immersed myself in learning about finance, economics, and money, initially to help myself and eventually extend that knowledge to assist others. Little did I know that by addressing my own monetary dilemmas, I'd profoundly improve every aspect of my life. In my personal journey of resolution, I birthed PACT - a four-step system that brings financial matters and transformation to the forefront, making it accessible to everyone.

Here is how the PACT Process is broken down:

P: Picturing the life you want to create

A: Accepting your reality

C: Choosing and committing to change

T: Take action!

You can learn more about the PACT process in this blog post.

Now, I invite you to explore the pages of "The Awaken Your Wealth" book, where you'll discover the secrets of the PACT system and how it can accelerate your journey towards financial success. Whether you're just starting out or nearing retirement, this resource is your ticket to achieving your financial dreams faster than you ever imagined.

Don't miss this opportunity to transform your financial future. Get your copy of "The Awaken Your Wealth" book today and get on the path to financial abundance!

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How to End the Year Like the Wealthy Do

By Julie Murphy • December 10, 2025

Reset Your Money Energy for 2026 Every December, we all feel that pull, the desire to “be better with money next year.” But here’s the secret I’ve seen again and again after nearly three decades of walking alongside people from all walks of life: Financially wealthy people don’t just plan their next year — they energetically complete the one they’re leaving. They close loops. They clear emotional residue. They realign their energy field before they set a single goal. And you can absolutely do the same. As I share in The Emotion Behind Money , wealth is never created by logic alone. It comes from managing the emotions behind your money and understanding that money itself is energy. And in Awaken Your Wealth , I remind readers that energetic shifts begin when you consciously picture yourself stepping into a new reality, while compassionately acknowledging the one you’re standing in now. So let’s walk through the simple year-end process I teach my clients — one that spiritually, emotionally, and financially resets your money field for a powerful 2026. 1. Review Your 2025 Wins & Losses With Compassion Before you step into the new year, look back with the most loving, nonjudgmental eyes possible. I call it neutral observation . Wealthy people don’t spiral into shame when something didn’t go perfectly. They get curious. Ask yourself: Where did I expand financially this year? Where did I contract emotionally or economically? What choices were truly aligned with my values? Which ones came from fear, scarcity, or old patterns? In Awaken Your Wealth , the “Accepting Reality and Awakening” step of PACT teaches that awareness without judgment is how we break old money patterns for good. So breathe. Notice. Write it down. No shame. No spiral. Just truth. 2. Forgive Any Money Mistakes Here’s a truth most people never consider: Every financial mistake carries emotional weight and emotional weight blocks money flow. From my work in The 4 Spiritual Laws of Money , we know that your heart’s energy is more powerful than your brain’s logic, and intention is what redirects energy back into alignment. Forgiveness, of yourself, your past self, or others involved, releases stagnant money energy. Try this: Write down any money decisions from 2025 that still feel heavy. Place your hand on your heart. Say: "I forgive the version of me who made this choice. She/he did the best they could with what they knew at the time.” Forgiveness isn’t about letting mistakes slide. It’s about resetting your emotional money field so you can co-create something new. 3. Create an Energetic Closing Ceremony for the Year This is where wealthy people truly separate themselves; they honor the transition. You can create your own year-end ceremony using whatever resonates from your spiritual toolkit. Here are a few ideas inspired by the intention-setting and clearing practices throughout my work: Light a candle Symbolize releasing the old year and calling in the new. Write a “completion list” Include everything you’re ready to release: debts you’re no longer carrying shame over, relationships you’re energetically cutting cords from, patterns you’re finished reenacting. Burn or bury the list This physical act tells the Universe: “I’m done living from this version of myself.” In The Emotion Behind Money , we explore how inherited beliefs and emotional patterns repeat until they are consciously released. This ceremony is your line in the sand. End with intention Close with one powerful intention for 2026, aligned from your heart: “I choose a new flow of abundance.” “I trust that money comes to me with ease.” “I allow myself to receive the wealth I’ve been working toward.” As The 4 Spiritual Laws of Money reminds us: “The Universe responds to action.” Your ceremony is your spiritual action. Ready to Step Into 2026 Aligned, Clear & Empowered? If you’re craving deeper support with your financial reset, join me for my Emotions Behind Money Workshop in January. If you’ve been feeling the nudge to recalibrate your relationship with money, this is your moment. Let’s make 2026 the year your inner wealth and your financial reality finally match. You deserve abundance and you’re closer than you think. With love, alignment & a whole lot of possibility, Julie ✨