As a CERTIFIED FINANCIAL PLANNER and a Coach at the Richness Academy, I have had the privilege of guiding countless individuals towards their financial freedom. My journey has been one of learning, transformation, and empowerment. I have seen firsthand how aligning thoughts, feelings, and actions with one’s highest intentions can manifest dreams and create a life that is authentic, fulfilling, and truly one’s own. This is not just about getting what you want, but about becoming the person you need to be to receive it.

In this blog, I will share my financial planning journey, the action plans I devised, and how I helped my clients—from senior professionals to single mothers—achieve their financial goals. I’ll also weave in seven lessons from Roxie Nafousi’s “Manifest: 7 Steps to Living Your Best Life” that have been instrumental in my approach.

Introduction: The Power to Create the Life You Want

“The power to create the life you want lies within you. By aligning your thoughts, feelings, and actions with your highest intentions, you can manifest your dreams and live a life that is authentic, fulfilling, and truly yours. Remember, manifestation is not just about getting what you want, but also about becoming the person you need to be to receive it.”

This profound statement has been a guiding light in my career. It emphasizes that financial freedom is not merely about accumulating wealth but about cultivating the mindset and habits that attract and sustain it.

Lesson 1: Clarity is Power

When I first embarked on my financial planning journey, the importance of clarity in defining desires was a revelation. Without a clear vision, it’s easy to become distracted or disheartened. I began with visualizing my ideal career and life. This clarity not only fueled my motivation but also attracted the right opportunities.

Case Study: Rajesh, The Senior Professional

Rajesh, a senior professional in a multinational company, approached me with a common dilemma—he earned well but felt directionless. Through visualization exercises and goal setting, we crafted a clear vision for his retirement. Rajesh desired to retire early and start a consultancy. By setting specific financial goals and timelines, he could see the path to his dreams. This clarity empowered him to make informed investment choices and maximize his savings.

Lesson 2: Remove Limiting Beliefs

Identifying and releasing negative beliefs is crucial in financial planning. Early in my career, I realized that many of my clients, despite their diverse backgrounds, shared common limiting beliefs about money. These beliefs ranged from fear of investment risks to doubts about deserving wealth.

Case Study: Priya, The Young Entrepreneur

Priya, a young entrepreneur, struggled with the belief that financial stability was out of her reach due to her business’s inconsistent income. We worked together to recognize and dismantle these beliefs, replacing them with affirmations of abundance and potential. Priya started seeing her financial challenges as opportunities for growth. This shift in mindset opened her up to new strategies for managing her business finances, ultimately leading to increased profitability and stability.

Lesson 3: Align with Your Values

Ensuring that desires align with core values is vital for sustainable financial success. I always ask my clients to reflect on their values and purpose, ensuring their financial goals resonate with their true selves.

Case Study: Arjun and Meera, The Young Married Couple

Arjun and Meera, a young married couple, had conflicting financial goals. Arjun wanted to invest aggressively for future growth, while Meera prioritized financial security and savings. By exploring their core values, they discovered that both valued family security and future opportunities for their children. Aligning their financial plan with these shared values led to a balanced approach, satisfying both their needs and strengthening their relationship.

Lesson 4: Take Inspired Action

Financial freedom requires more than planning; it demands action. Inspired action is about taking consistent, deliberate steps towards one’s goals. Early on, I learned that small, consistent actions could compound into significant results.

Case Study: Suman, The Single Mother

Suman, a single mother, was overwhelmed by her financial situation. Together, we broke down her goals into manageable steps—creating a budget, reducing debt, and starting a small savings plan. Each small victory boosted her confidence. Over time, these inspired actions led to financial stability and the ability to provide better opportunities for her children.

Also read: How to Create a Positive Mindset and Live a Happier Life: lessons from Eduardo Clemente’s “Attitude Is Your Superpower”

Lesson 5: Embrace Gratitude

Gratitude transforms one’s outlook and attracts more abundance. I integrate gratitude practices into my coaching, helping clients appreciate their current blessings, which fosters a positive mindset and opens doors to further prosperity.

Case Study: Anil, The Retired Professional

Anil, a retired professional, felt anxious about his post-retirement life despite having adequate savings. We incorporated daily gratitude exercises into his routine, focusing on appreciating his health, family, and financial security. This shift in focus from fear to gratitude enhanced his overall well-being and allowed him to enjoy his retirement more fully.

Lesson 6: Turn Envy into Inspiration

Envy, if not managed, can derail one’s financial journey. However, it can also be a powerful motivator when reframed positively. I encourage clients to use the success of others as inspiration rather than a source of comparison.

Case Study: Neha, The Divorced Woman

Neha, a divorced woman, often compared herself unfavorably to her peers who seemed more financially successful. By reframing her envy into inspiration, she began to learn from their strategies instead of feeling inadequate. This mindset shift led her to seek better investment opportunities and improve her financial literacy, significantly boosting her confidence and financial status.

Lesson 7: The Universe Tests You

Setbacks are part of the journey. Recognizing challenges as opportunities for growth helps in maintaining resilience. I have faced numerous setbacks in my career, each teaching me valuable lessons and strengthening my resolve.

Case Study: Ravi, The Businessman

Ravi, a businessman, faced a major financial setback when his business venture failed. He was on the verge of giving up, but we worked on viewing this challenge as a test. By analyzing what went wrong and learning from his mistakes, Ravi was able to pivot his business strategy. Today, his new venture is thriving, and he credits his resilience and positive mindset for this turnaround.

Action Plan for Achieving Financial Freedom

Step 1: Define Your Goals

Start by clearly defining what financial freedom means to you. Is it retiring early, buying a house, or achieving a specific net worth? Write down your goals and visualize them regularly.

Step 2: Assess Your Current Financial Situation

Take stock of your current financial status. List your assets, liabilities, income, and expenses. This will give you a clear picture of where you stand and what needs to be done.

Step 3: Create a Financial Plan

Develop a comprehensive financial plan that includes budgeting, saving, investing, and debt management. Set realistic timelines and milestones to track your progress.

Step 4: Cultivate a Positive Mindset

Work on removing limiting beliefs and cultivating a mindset of abundance and possibility. Practice gratitude daily and focus on the positive aspects of your financial journey.

Step 5: Take Consistent Action

Break down your financial goals into actionable steps and start taking them. Consistency is key, and even small steps can lead to significant progress over time.

Step 6: Seek Professional Guidance

Consider working with a financial planner or coach who can provide expert advice and keep you accountable. Their experience can help you navigate complex financial decisions.

Step 7: Stay Resilient and Adaptable

Be prepared for setbacks and challenges. Use them as opportunities to learn and grow. Stay adaptable and be willing to adjust your plan as needed.

Conclusion: Manifesting Your Financial Freedom

My journey as a financial planner has taught me that financial freedom is not just about money. It’s about aligning your life with your highest intentions, taking inspired actions, and cultivating a positive mindset. By following the principles outlined in “Manifest: 7 Steps to Living Your Best Life” and applying them to financial planning, anyone can create a rich and happy life.

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At the Richness Academy, I coach and mentor my clients to achieve their financial goals and live the lives they deserve. Whether you’re a senior professional, an entrepreneur, a young couple, a retired individual, a single mother, or a divorced woman, the path to financial freedom is within your reach. It all starts with the belief that you have the power to create the life you want.

Remember, manifestation is not just about getting what you want; it’s about becoming the person you need to be to receive it. Embrace the journey, stay committed, and watch as your financial dreams become a reality.

The author of this article, Taresh Bhatia, is a Certified Financial Planner and advocate for female empowerment. For more information and personalized financial guidance, please contact taresh@tareshbhatia.com

He has authored an Amazon best seller-“The Richness Principles”.  He is the Coach and founder of The Richness Academy, an online coaching courses forum. This article serves educational purposes only and does not constitute financial advice. Consultation with a qualified financial professional is recommended before making any investment decisions. An educational purpose article only and not any advice whatsoever. 

©️2024: All Rights Reserved. Taresh Bhatia.