How to Become a Self-Made Millionaire

Julie Murphy • May 30, 2022

Blog

When it comes to becoming a self-made millionaire, although the idea might seem out of reach or only reserved for the ambitious or entrepreneurial few, it’s actually something that’s far more achievable than you might imagine! 


Today, I’m going to share with you the
true secrets on how to become rich and embody Real Wealth in all areas of your life. 


Money is Energy


Money, like everything, is energy and has a vibrational frequency. Therefore, how you choose to think, speak and feel about money is what will be reflected back to you. Becoming a self-made millionaire can only be done from a place of feeling abundant and empowered around your money. If it’s coming from a place of reaction, it will be incredibly difficult to achieve because your limited beliefs, thoughts and actions around your money won’t be aligned with wealth but instead, with fear and scarcity. 


This is why money runs so much deeper than how much we have in our bank accounts, assets, investment portfolios, retirement funds and so on. It’s largely emotional, so identifying and then working through your
beliefs around money is the key to unlocking that incredible potential you have! 


To begin to shift your vibration around money, I’d like you to become extra conscious of your thoughts around it. When you feel that low-level energy about money such as never having enough, take a breath and intercept it by choosing a different, more empowered thought instead. You can also use positive money affirmations. 


Now, this isn’t about telling yourself lies! It’s rather about choosing to see a different perspective. Instead of telling yourself ‘I’ll never get out of debt’ or ‘There’s no way I can build wealth on my paycheck’, choose the alternative approach of ‘What are a few small steps I can put into action to begin to eliminate my debt?’ or ‘What other income options could be available to me” or “Is it time to ask for a raise or look for a new job with a salary that matches what I’m worth?’


This is an incredibly powerful practice as it creates space within your nervous system to change your financial story. 


Create a Strategy to Reduce Debt


If you’re asking yourself how to become rich, becoming your own bank is the ultimate way to achieve this goal. Although having debt is almost seen as the norm in our economic environment, the truth is, these debt instruments that are so readily available keep us trapped in a debt loop and so we repeat our financial past over and over. To truly become a self-made millionaire and
embody Real Wealth on every level, you have to decide to stop that cycle to set yourself free of debt and become entirely self-sufficient. 

Therefore, finding ways to gradually and consistently eliminate debt is your ticket to financial freedom. If you want something other than what you have today, the key is to create space for it instead of relying on credit cards to pay for it. Even if this is $5 per paycheck, it’s not about the amount but rather, the energy and intention behind it that will get you on the path to becoming truly wealthy!


Consider Extra Income Potential

 

If you feel limited by your current paycheck, getting into that energy of abundance is about embodying the essence of ‘more’ as opposed to limitation and lack. Do you have skills that you could earn extra income or create some new passive income streams from? You can ask yourself a few questions to get the creative juices flowing on this one! What do you love to do where time seems to fly by? What makes you giggle? What do people always tell you you’re good at? Where do you feel your most authentic and aligned self? What are you doing in these situations? What would you love to try as an experiment?

You don’t have to feel limited by your paycheck and there’s incredible opportunity to earn extra if you allow yourself to get into that vibration of ‘more’ and be willing to step outside of your comfort zone a little!


Organize Your Finances to Align with Wealth 


When looking at how to become rich, you have to be intentional about your money mindset and what you want to create. This is about looking at your financial life from a short-term, mid-term and long-term perspective and setting your financial intentions and ‘buckets’ accordingly. 

To clarify, short-term is where you set aside 3 – 6 months of living expenses aside, mid-term is your 3 – 5-year money (this is one that is often overlooked) and long-term is your retirement funds and money allocated for later years. 

This is an important part of your financial planning process because it means that you have money set aside for all eventualities and don’t have to rely on credit cards or loans to fund unexpected expenses that we all know can arise at the most inconvenient of times! You can continue to review these buckets as you go along to ensure they’re aligning with your current desires, situation and intentions. 

By doing this, you’re allowing yourself to live in the present moment whilst feeling safe that you’re also taking care of your future self. Becoming a true self-made millionaire isn’t about flying by the seat of your pants or being a financial one-hit wonder! It’s about being in the present moment whilst also being super intentional about how you want the energy of your money to flow. This is about setting yourself up to be lucky! When you align your energy in this way, this is also when you really begin to make those quantum leaps in your money manifestations!

It’s all about starting where you are. Try not to get caught up in the numbers. It doesn’t matter if at first, you’re only able to allocate $5 to your buckets; it’s the energy behind the intention that is the exact energy you need to embody to become that empowered, self-made millionaire you deserve to be. 

By implementing these mindful and practical tweaks and strategies, it’s far more achievable than you might have imagined! 

Like this post? If so, please don’t forget to share it on social media!

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 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 ✨
Abundance begins in the quiet moments of gratitude that open your heart and shift your
perspective.
By Julie Murphy November 4, 2025
Gratitude isn’t just about listing what you’re thankful for. It’s a frequency: an energetic vibration that aligns you with more of what you love.
How to End the Year Like the Wealthy Do
By Julie Murphy October 9, 2025
The way you end your year sets the energetic tone for how you’ll begin the next one.
Show More

Similar Blogs

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 ✨
Abundance begins in the quiet moments of gratitude that open your heart and shift your
perspective.
By Julie Murphy November 4, 2025
Gratitude isn’t just about listing what you’re thankful for. It’s a frequency: an energetic vibration that aligns you with more of what you love.
How to End the Year Like the Wealthy Do
By Julie Murphy October 9, 2025
The way you end your year sets the energetic tone for how you’ll begin the next one.
It’s about creating an authentic relationship with money that actually supports the life you want.
By Julie Murphy September 11, 2025
When most people come to me for financial advice, they expect me to talk about budgets, investments, and strategies for building wealth.
Show More