Energy Is Thought in Motion: How Your Mind Creates Your Money, Career, and Life Results

Part 1: The Moment I Realised Thoughts Create Results

I still remember one particular winter evening in Gurugram. The fog had set in, the tea was steaming, and a young couple, Ankit and Meera, sat across my table. Both worked in the IT sector, both were in their late 30s, and both were restless.

Their words came tumbling out: “We earn well, but we always feel broke. We plan to invest, but we somehow never get started. Maybe life is just too expensive now?”

As I listened, I felt déjà vu. I had heard this story so many times before—different people, different professions, same underlying pattern. It wasn’t about their salary. It wasn’t about inflation. It wasn’t about markets. It was about their thoughts.

The story they told themselves was: “We are behind, we are helpless, we cannot catch up.”

That thought created feelings of guilt, anxiety, and fear. Those feelings led to actions such as delaying investments, overspending for instant relief, and neglecting long-term planning. And the results? Precisely what they feared—financial stress.

That day, I drew them a simple diagram (the one you see above):

• You choose your thoughts.

• Your thoughts create your feelings.

• Your feelings fuel your actions.

• Your actions determine your results.

Silence followed. Then Meera whispered: “So if we change our thoughts, everything else can change?”

Yes. That was the turning point.

Part 2: The Cultural Lens – How Festivals Shape Our Thoughts About Money

Growing up in India, our festivals are not just celebrations—they are rituals that shape our money beliefs.

• Diwali: Families buy gold, gifts, or investments on Dhanteras. The thought? “New beginnings bring prosperity.” That belief creates joy, confidence, and the action of saving or investing.

• Holi: Beyond colours, it is about letting go of the old and starting afresh. When we burn the “Holika,” we symbolically burn negativity. Imagine if we applied that to money—burning, limiting thoughts like “I can’t save” and replacing them with “I can grow wealth.”

• Raksha Bandhan: Brothers give gifts or money to sisters, reinforcing the thought of protection and care. It shows how emotions directly influence financial actions.

• Makar Sankranti: We offer til and gur, symbolising sweetness and unity. Farmers celebrate harvest—proof that actions aligned with nature’s cycles bring results.

Each festival is a live example of the thought → feeling → action → result cycle. And just like rituals can strengthen faith, daily thought rituals can strengthen financial resilience.

Part 3: Couples and Money – The Silent Dance of Thoughts and Feelings

When two people share a life, they don’t just share a home or finances—they share energy.

• If one partner constantly thinks, “We don’t have enough,” and the other thinks, “We will manage,” their feelings clash. One feels fear, the other feels hope. Their actions misalign—one hoards, the other spends. Result? Conflict.

• On the other hand, couples who share empowering thoughts—“We are building our future together”—generate shared feelings of confidence. Their actions—like budgeting, investing, and celebrating small wins—create harmony and results that multiply.

💡 Couple Lesson: Before talking about money, check your thoughts. Align them first. Then feelings and actions will flow.

One of my clients, a mid-career couple in Bengaluru, turned their finances around by introducing a Sunday Money Ritual: they sat together, lit a small diya, reviewed expenses, discussed savings, and set one positive thought for the week. Within a year, their investments doubled—not just in numbers, but in trust and peace.

Part 4: Midlife Reinvention – Thoughts Decide Your Second Innings

In your 40s, life shifts. Careers plateau, industries change, children grow, and parents age. Many professionals feel trapped: “Is this all there is?”

I’ve seen two paths:

1. Negative Thought Path

• Thought: “I am outdated.”

• Feeling: Fear.

• Action: Avoid upskilling, stay stuck.

• Result: Job loss, insecurity.

2. Positive Thought Path

• Thought: “I can reinvent.”

• Feeling: Confidence.

• Action: Take a course, network, pivot.

• Result: New career, fresh energy.

Take Rajiv, a 45-year-old client who was laid off during a corporate restructuring. At first, he spiralled into “I am finished.” But through coaching, he reframed: “This is my second innings.” He enrolled in a sustainability program, pivoted industries, and is now leading CSR initiatives in a multinational.

Your 40s are not an ending—they are a rebirth. But it begins with thought.

Part 5: Exercises to Rewire Your Thought–Result Cycle

Here are practical tools I’ve seen transform lives:

1. Morning Affirmations (5 minutes)

• Say aloud: “I choose thoughts of clarity and abundance today.”

• Repeat daily until it becomes natural.

2. The Thought–Feeling Journal

• Write: “Today I felt ___ because I thought ___.”

• Replace the thought with a positive alternative.

3. Festival Money Rituals

• On Diwali, start a new SIP instead of just buying gold.

• On Holi, burn one limiting belief on paper along with Holika.

• On Makar Sankranti, start a “harvest fund”—invest in future growth.

4. Couple Alignment Check

• Weekly: Each partner writes one empowering money thought.

• Share and align before making decisions.

5. Monthly Reflection

• Ask: “Do I like my results?”

• If not, trace back: Actions → Feelings → Thoughts. Then shift at the root.

Part 6: Why This Matters in Personal Finance

Money isn’t just numbers—it is energy in motion.

• When you think “I never have enough,” you act by overspending or delaying investments.

• When you think “I am building steadily,” you act by saving, investing, and growing.

That’s why two people with the same income can have completely different results. It’s not the salary—it’s the thought behind it.

Part 7: My Own Story of Thought Transformation

When I started my journey as a CERTIFIED FINANCIAL PLANNER™, I too struggled with doubts: “Will people trust me? Am I good enough?”

Those thoughts created hesitation. My actions were timid. My results were slow.

Then I shifted: “I am here to serve, to guide, to empower.” The feeling of purpose replaced fear. My actions became bold—writing, coaching, creating programs. The results? A thriving practice, thousands of empowered families, and the birth of Richness Academy.

I am living proof: thoughts shape results.

Part 8: Closing Reflection

Like the Gita reminds us: “Man is made by his belief. As he believes, so he is.”

Your money story, your career story, your life story—each is written first in your thoughts.

If you want different results, don’t start with the stock market, your boss, or your spouse. Start with your mind. Start with your thoughts. That’s where transformation begins.

⸻

Call to Action

If you’re ready to transform your thoughts into financial freedom, I invite you:

👉 Book your personal financial planning call with me here: https://tinyurl.com/Video-tb

Or get my guide: 10 Steps to Financial Freedom (premium eBook).

Your thoughts today can be the seed of your freedom tomorrow. 🌱

Disclaimer: The views expressed are for educational purposes only and do not constitute financial, investment, tax, or legal advice. Please consult qualified professionals before making decisions. Mutual fund investments are subject to market risks.

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