My Freedom

Julie Murphy • July 25, 2016

We all want freedom. The United Kingdom last month showed the world they would rather have their freedom than give into the establishment despite the fear of the unknown of what this will truly mean to them. But why is it, in so many cases, we don’t choose our own personal freedom? Intellectually we do, but in our hearts, we don’t. Why? Because we haven’t forgiven ourselves for our past choices and we’re trapped on the hamster wheel of life.

Financially speaking, our past choices usually reside in our levels of debt. Whether that be our mortgage debt, car debt, student loans, credit cards, loans to family members, etc. It weighs us down like a lead balloon, whether we convince ourselves that it is good debt or bad debt, debt is still debt. Debt doesn’t allow you to live in the present moment and makes it tough to live in the present moment and even tougher to plan for your desired future. Debt doesn’t allow you the space to be nimble. When we look at the debt we have created in our lives, we always have good reasoning for it, again, our head telling us why it’s good, but are hearts are SCREAMING for something different. Are you listening?

A dear friend of mine said to me, “Julie, I sold my house and I bought my freedom.” Many of us feel buying a house is the American Dream. It may very well be, but at least question it. The homes we buy should be more of our sanctuaries, our safe places, as opposed to our burden. Why do we make these choices? Because, we have Emotion Behind Money. We emotionally work things out or we act them out. In reality, we can’t change the past. It’s like in the movie The Lion King when Rafiki hits Simba over the head with the stick. Simba says, “Ouch, why did you do that?” Rafiki replies, “It’s in the past, it does not matter.” And it really doesn’t matter, it is what is, the past. You need to forgive yourself for where you’re at, whether it is financially, personally, or otherwise. When you forgive yourself, you will create space for the new to come in. And honestly, when the new comes in, it will in many cases surprise the heck out of you. Are you ready for that next adventure? I am…

My friend is spending her life in her 60s with 25% of her time in Seattle where her home was, 25% in Chicago where the majority of her family is, 25% in London with a dear lifelong friend, and 25% she changes annually for three months per year. What I love about how she is living is that she is not doing what she is “supposed” to do and now she is doing what she wants to do, today at age 64. She threw out all the rules we are “supposed” to live by to be successful which she did for many years. Who says we have to live this way. Why are we all following this trap? We are chasing life while life passes us by. She changed her job to be an independent contractor. Risky? Perhaps, but define risk. Risk can be that you get laid off in the next recession that is looming right now, not by your choice. Someone else decides your on the chopping block, as opposed to going out and finding your own clients. I’ve had some many people tell me through the years, aren’t you afraid running your own business when the economy gets bad. I laugh because they think they are safe with a guarantee paycheck working for someone else. Is it really guaranteed? I think not. I tell them, I could let go of everyone working at my company and I still get a paycheck if I had to. Susan, having the courage in abilities and skills she developed through the years and with technology today, she just plugs in from wherever she is at to get the job done. I never met anyone that is so happy while so many millions are stressed out to the gills.

In the process she had to forgive herself for buying the $900,000 house in Seattle. On some level she felt it was such a big mistake. She thought about all the money she spent remodeling and making her own imprint on the place, only to realize she didn’t find the happiness she expected to get. To her credit, she put 50% down payment, some cash came from the sale of her prior home in Chicago, plus some additional cash she had on hand in savings. This gave her only a $450,000 mortgage, but it was her lead balloon. She made every decision in her life based on this lead balloon. She put up with a boss that was awful to her because she needed the paycheck to pay for it. For many years she felt she was trapped in her job, in Seattle, and to this huge mortgage payment.

What was confusing to her was that she had always dreamed of living in Seattle. She loved being outdoors and really being a part of a community that really fed her soul. She didn’t realize how much the looming debt would affect her, especially for what we call a “good debt” in our society. She had a successful job that she had worked her whole career to build up to making a very healthy six figure income, but she found, it didn’t create the happiness she really desired on the inside. Why? The lead balloon, the mortgage, kept her planted and stuck in all areas of life. She didn’t travel as much as she would like because she no longer had the extra cash flow to do it, not only for vacation, but also to come see her aging mom in Chicago. I watched her struggle with that for years.

It was amazing to see her the day she decided to not beat herself up anymore for making the choice to spend all that money on the house and take on that mortgage. She had decided to sell her home, quit her job and find her freedom, but it all started with her forgiving herself for making the past choices she had made. Kudos to her, she found the courage and now is happier than ever.

Are you ready to get off the hamster wheel? It really is your choice. Make that decision for yourself. Choose you. Choose to forgive yourself for your current reality. Choose to forgive yourself for what debts you have, the financial patterns you’ve imprinted on your kids, for the crappy boss or company you put up with for years that sucked the life out of you, forgive your spouse and the patterns you put up with, and most importantly, forgive yourself for being human.

This fall my new book is coming out, Awaken Your Wealth. I have found once you come to a place that you are ready to forgive yourself, it’s time to build you back up to create the life you’ve want today, no matter what age you are and where you’re at in life today. Awaken Your Wealth will give you a roadmap to follow and the support you need. Coming up, I will be giving out sample chapters to get you going on creating your life, your way!! I’m honored to walk this journey with you my friends.

It’s one thing to forgive others; it’s on a whole other different plane to forgive yourself. It seems in many cases a bit more esoteric. It’s hard to look in the mirror. It takes courage to confront and grieve through the process of what you have chosen to create in your life. In the end, your freedom comes from finding that courage from deep within. Give yourself a great big hug, grieve the pile of poop you feel you’ve created and step forward. Not so easy sometimes to do this by yourself. Before my book comes out, let us support you. Create your support team around you through not only Soul Spring, but also share it with others to start to create your tribe that you can talk about it in your daily life and be on the same page. Come join me and like-minded others regularly for some of that support you need on my Facebook Page. I always say it takes a village. We are human beings not human doings. We’ve become so good at the doing part, we’ve forgot that we need the collaboration of other people to truly feed our souls.

Remember, it’s time to create our Financial Fun Time!!

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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 ✨