The Impact of Positive Self-Talk on Building a Rich Life

Julie Murphy • June 27, 2023

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How to Take Your Manifestations to the Next Level

I often discuss the challenge of managing our own negative thoughts, which can be just like crabs in a bucket. Our own doubts and fears can cause significant harm to our self-esteem and hinder us from pursuing our aspirations. These crabs can pull us back down with constant reminders of our past failures and discourage us from making progress. It's important to recognize and address these thoughts before they take hold and prevent us from achieving our goals.

We may be our own worst crabs. And this has a big part in how we speak to ourselves. Our self-talk is the gateway to what our future could hold. So often, we speak things into existence. If we tell ourselves that today will be a bad day, then it most likely will be. If we say we can't go back to school to get a graduate degree, we'll never even attempt it.

So, how do you talk to yourself? About your body? About your job? About your finances?

Speaking negativity into the universe will only bring negativity in return. Cultivating inner and outer wealth can only happen when we start talking treasure instead of trash.

Here's an action step for you: take thinking positively a step further this week. When you have a positive thought about yourself, say it out loud. When someone gives you a compliment, thank them by repeating what they said to you. This opens you up to receiving.

Instead of "talking trash," speak only treasure into your life. It may feel weird at first, but keep speaking it into your life. Eventually, those positive words will turn into positive actions, and those actions will be the foundation of creating the life of your dreams.

Positive self-talk affirmations are one of my secret weapons in building wealth.

What are positive self-talk affirmations? In psychology, self-talk is believed to be a combination of conscious and unconscious beliefs and biases that we hold onto. It can be either negative or positive and influences our behavior in many ways you may not even recognize.

One of the first steps you can take to change the way you talk to yourself is by building awareness around what you're saying. This helps you start making the changes you need to take on your goals around money.

For example, if you constantly repeat negative affirmations to yourself about money, you might notice yourself saying things like, "I'm never going to have enough money to pay bills," or "I can never seem to hold down a good job."

When you notice that, you're witnessing negative self-talk in real time.

Another important thing to remember about negative thoughts is that our brains are designed to remember and hold onto the times we made a mistake or had a negative experience.

It's common to keep replaying these negative experiences, which in turn adds fuel to our negative self-talk.

On the flip side, positive self-talk helps us cultivate self-compassion for who we are and where we came from. It also helps us be more forgiving when we do make a mistake or experience a negative event.

Positive self-talk switches our narrative from "I can't do anything right" to "next time I'll do better." When we choose to learn from our mistakes, the way we talk to and about ourselves changes as well.

Here are some examples of positive self-talk:

"I forgive myself for any past mistakes"
"I'm a deserving human being"
"I love myself for who I am"
"I have permission to change my mind"
"I trust myself"
"I have the strength to make my dreams come true"
"I am proud of myself for even daring to try"

Anything you can think of that is a positive affirmation for making money is a great way to improve your roster of positive self-talk statements

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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 ✨