How to Achieve Financial Freedom

Julie Murphy • July 18, 2022

Blog

The sooner you start with the intention of creating financial freedom, the more you’ll be able to live in your true purpose and create that life of Real Wealth that I talk so much about. In today’s article, I’m going to share some tips and insights on how to achieve financial freedom, all while following your heart every step of the way.

Let’s Look at Your Financial Perspective

What you achieve financially is a reflection of how you’re operating on an energetic level, so let’s start here. After all, everything is energy and money is incredibly connected to our emotions. If you set out on your journey filled with despair and frustration about the amount of taxes you have to pay, the economy or your employer, something will suffer financially along the way no matter how smart you are with your money.

Instead of thinking about taxes with frustration, shift your perspective. What do paying taxes provide that you do agree with? Do they help to create more oneness or infrastructure? With your employer, what does that job they provide allow you to gain? Experience? Insight into what you’re really good at? Perhaps the income you receive actually helps to fund a saving intention and create financial flexibility later down the line for you to explore a more aligned career move.

It’s all about tapping into that power of choice and shifting your financial perspective. It’s the same as forgiveness, where you choose to release those low vibration feelings and actually, set yourself free. The more you practice this and embody it through what you speak, think and feel, the more you’re creating those new, positive neural pathways that make it a core part of who you are - and what you attract!

When you heighten your awareness, and make this a consistent practice, this is when you begin to magnetize your desires into your life and call in those manifestations! So, when I’m asked what are the steps to financial freedom, this is an optimum place to start!

How to Approach Saving & Investing

When considering the best way to save, the advice I give applies to everyone, which you can explore further in my Julie Murphy coaching, books and courses.

It’s firstly about awareness. Looking at the flow of your money to be confident that you’re living within your means and paying down any debts you might have, whilst also building up your savings in 3 categories; the short, mid and long-term. You can then create various savings buckets within each of those categories. By compartmentalizing your money in this way, you’re financially insulating yourself.

What do I mean by this? As an example, I always recommend people start a ‘maintenance fund’ bucket and have money deposited into that account every month on autopilot (as with all your saving buckets - having them on autopilot is your best friend). This fund can then go towards fixing leaks, replacing windows and general maintenance costs. Or, it can also be allocated for unexpected car expenses to give another example.

It’s for these kinds of costs that people often fall into the trap of relying on credit cards or loans, but if you have money set aside for that specific purpose, you’re not dipping into any of your other savings or falling into debt. You’re not relying on any financial institution and you’re becoming your own bank! Why financial freedom? Becoming your own bank is the ultimate goal! It doesn’t matter if you don’t have much to put into these various categories and buckets right now, as you can build on them as you go. What matters is the intention and energy behind them.

I also recommend that you set up online accounts with specific saving intentions and name those accounts. This part can be really fun and allows you to tap into that energetic level of abundance by aligning your desires to your saving choices. This can be for practical purposes as well as the fun, frivolous things that you might desire in the short-term! It’s all about embodying the energy of working towards what you want to create. You’re saving in a way that allows you to enjoy life now and live in the present moment, while also feeling completely empowered about what you’re working towards.

When it comes to investing, it’s of course about accumulating the right financial education and advice, but being aware of whether your investment considerations land in your heart. Just because you’ve heard that investing in NFTs is the big thing right now or someone you know had a great return on one of their property investments, do those things feel energetically aligned to you? Take your time with it. Investing is primarily about observing as opposed to reacting. Tapping into your heart to feel into whether it feels right and then seeking the correct guidance and education to bring the ‘smarts’ in.

What Does Financial Freedom Mean to You?

Let me ask you; why financial freedom? What does that mean to you? When you visualize the life you want to create, what would it mean for your professional life, your relationships and your health? I encourage you to take a moment here to be still and tune into your heart. What is it saying?

The reason I ask you this is that I’ve worked with so many people over the years who have set out with the goal of creating financial freedom at a young age, only to be disappointed and dissatisfied later down the line and find themselves what I call ’rich but empty’. Like you, they asked how to save and invest. They did all the ‘right’ things yet moved further away from their soul’s purpose. Consequently, something suffered in the process such as their relationships or their health.

Financial freedom ultimately means creating the power of choice and becoming completely financially independent in the short, mid and long-term so that you can also enjoy life today. Creating a life that you love - whatever that looks like, even if it goes against the grain! Even if it means being a disruptor! You can be a disruptor whilst also being incredibly financially responsible by following the practical steps I shared earlier.

Financial Freedom is Unique to Everyone

Financial freedom can look different to everyone. I encourage you to avoid falling into the trap of following what other people have done, even if it seems like the smartest route to take. If it feels wrong or off, it isn’t for you - at least in this present moment.

So, when you’re asking how to achieve financial freedom, set the intention to check in with yourself and the flow of your money very consistently because your desires will likely change and evolve as you do. When you create full awareness of exactly how you’re choosing to spend, save and invest, you’re also building a safe financial container so that you’re free to expand and grow. You’re free to explore and tap into what’s aligned! You’re free to change your mind!

What are the steps to financial freedom? Yes, it’s also about letting go! Allow yourself to have fun along the way and as I always say, follow your giggle! Creating financial freedom should be a fun, empowering journey ultimately leading to that life of Real Wealth, which offers you profound freedom in all areas of your life - your money, health and relationships. The sooner you start on the journey, you’ll be truly amazed at what you attract and are able to manifest!

< Older Post

Newer Post >

Share Blog On Social

A woman is smiling while money is falling around her.

A book titled the spiritual laws of money

Get it NOW!

Recent Blogs

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 ✨