Autumn: Hey everyone, welcome back! Today we're diving into something really interesting, something that might just shift your perspective on money. And no, Rachel, it's not about extreme couponing, so you can relax. Rachel: Whew, saved by the bell. I gave that coupon thing a shot; still ended up broke at the checkout. So, Autumn, enlighten me—what's on the agenda? Autumn: Alright! We're going to discuss this classic book by Dr. Joseph Murphy, “How to Attract Money”. It's really about understanding that wealth isn't just about the numbers in your bank account, it's a state of mind. Murphy basically argues that using your subconscious, aligned with certain spiritual principles, can draw abundance to you in unexpected ways. Rachel: Okay, so it's kinda’ the "think-yourself-rich" concept? Like those late-night ads where you’re promised a mansion while living off instant noodles? Autumn: Well, there are some similarities! But Murphy actually gives us a step-by-step approach that includes actionable steps, drawing from biblical wisdom, and sharing stories of people who transformed their financial situations by changing their outlook. Rachel: Hmm, I'm listening. But where exactly are we headed with all this today? Autumn: Good point, Rachel. First, we'll really dig into this idea of money as a mindset—viewing the subconscious as fertile ground where the seeds of financial success can take root. Then we'll get into Murphy's tool kit: positive affirmations and using visualization techniques, which are basically like watering those seeds. Lastly, we'll talk about the importance of faith and staying persistent in order to get rid of any doubts or thought patterns that are preventing you from achieving your goals. Rachel: Subconscious gardens and spiritual weed killers—I like it! Sounds like a path paved with, hopefully, a good ROI. Lead the way, Autumn.

Autumn: Okay, Rachel, let’s jump into the core of Murphy’s philosophy: mindset and beliefs. He sees this as the foundation for everything. Our financial situation, he argues, starts in the mind and is really shaped by subconscious beliefs—beliefs we might not even be aware we have. Rachel: So, are you suggesting that I might be, like, subconsciously sabotaging my own finances? Because, to be frank when the credit card statements come, it sure “feels” like sabotage. Autumn: Precisely! Murphy identifies those hidden, limiting beliefs, you know, that “money is the root of all evil” type of thing, or that somehow wealth corrupts people. These beliefs—and they often come from childhood or just the way we've been raised—create a subconscious resistance to money, even when consciously, we’re working hard towards financial goals. Rachel: So, if little Rachel heard that rich people were the bad guys in every movie, is adult Rachel now holding up signs, protesting his own bank account? Autumn: Exactly that! Murphy believes the subconscious is incredibly powerful, way beyond what we understand. It takes our ingrained beliefs, positive or negative, as absolute truth. If you link wealth to something negative, your subconscious will, without you even realizing it, steer you away from it. Rachel: Okay, I get it, but that seems a bit theoretical, right? How do you actually go about changing these deep-seated beliefs? I mean, you can’t just flip a switch in your brain. Autumn: That’s where affirmations come in. Murphy suggests using positive affirmations to replace those old, unhelpful narratives. Simple, powerful statements like, "Money flows to me easily”, or, “Wealth is a natural part of my life.” If you repeat them consistently, particularly when you’re relaxed, like before going to sleep, you start to overwrite those negative patterns in your mind. Rachel: Okay, let me see if I have this right. I just say things like "money loves me," and suddenly I'm going to wake up rich? Sounds a bit like praying to the money gods, doesn’t it? Autumn: It's less about the literal words and more about the emotions and beliefs they foster. Think of affirmations as mental exercises, like working out a muscle. Gradually, they shift how you “feel” and how you “perceive” wealth. That shift in perception opens you up to opportunities, rather than unconsciously rejecting them. Rachel: Do you have any specific examples of this in action? You know I love a good story. Autumn: For sure. Murphy shares a story about a man who grew up thinking that money was corrupt. He wanted financial stability, but no matter how hard he tried, he would always mess things up, because of that belief he had internalized. Once he realized what was going on, he started affirming that money was “a symbol of freedom and beauty” instead of greed. Rachel: Freedom and beauty? He gave money a PR makeover? Autumn: <Laughs> Basically, yes! he reframed wealth as a tool for realizing his dreams and helping others. That dissolved his subconscious resistance. He started pursuing his goals with more confidence and clarity and his, you know, his financial situation improved dramatically. Rachel: I can see how that makes sense. If you’re always skeptical of money, you might not even notice the opportunities that come along, or worse, you could push them away without even knowing it. Autumn: Exactly! Murphy takes it even further. He points out that even during really tough times, like the Great Depression, people who focused on abundance were still able to thrive. Rachel: Aha, this feels like a setup for one of those dramatic stories. I’m ready. Autumn: So, during the Great Depression, there was this man who lost everything – you know, he was surrounded by fear and despair. But instead of giving into that scarcity mindset, he kept telling himself, "I made a million dollars in four years. I'll do it again." He repeated this with unwavering confidence, reinforcing it with affirmations. Rachel: Wait a second, amidst probably one of the worst financial disasters in history, this guy is... declaring himself a future millionaire? Autumn: Exactly! And what’s amazing is that by keeping that kind of mental discipline, focusing on abundance, he “did” rebuild his wealth. The power of his mindset helped him see the potential where others only saw obstacles. Rachel: Okay, I see the point – don’t just give up when things go wrong. But how do affirmations like this really compare to, let's say, like, real financial knowledge or skills? Autumn: Excellent question. Affirmations aren’t meant to replace skills or actions, but they’re the base that “allows” them to grow. Think of it as clearing out the mental clutter so that you can fully commit to your goals. Plus, Murphy also talks about techniques like visualization to really boost the impact. Rachel: Ah yes, visualization. As in, close your eyes and imagine yourself sipping margaritas on a yacht, all while your investments manage themselves? Autumn: <Laughs> Not quite the yacht scenario, but close! Visualization involves vividly picturing yourself succeeding, feeling the emotions, hearing the sounds, even seeing the colors. Murphy mentions someone who imagined herself succeeding in her career. She pictured shaking hands with clients, hearing their thanks, and feeling proud of what she was doing. Rachel: And, just by visualizing, she unlocked some hidden potential? Autumn: Yep! By revisiting that mental image, she overcame her feelings of inadequacy and began to project the confidence that she needed. Within a few months, her career had really taken off. The thought is that visualization aligns your subconscious with your goals, making that success easier to achieve. Rachel: You know, as much as I love to be skeptical, I can see this. If your inner voice is constantly saying, “I’m not good enough”, you’re probably not going to act like you are. Autumn: Precisely, Rachel. Murphy even compares money to blood flow in the body—when everything is flowing, everything thrives. But if you let fear and negativity create blockages, things come to a stop. Rachel: So gratitude is like calling a mental plumber? Autumn: A colorful metaphor, but yeah! Murphy stresses focusing on what you “do” have, not what you “don't”. Gratitude really helps to switch your thinking, activating your subconscious to draw in more opportunities. You know, keeping a gratitude journal, for example, trains your mind to see abundance, rather than scarcity. Rachel: Alright, Autumn, I’m hooked. What would you say is the main thing to remember here? Autumn: When you change your beliefs about money, you shift from, you know, seeing it as something difficult or negative, to something natural and plentiful. Tools like affirmations, visualization, and gratitude help you reprogram the subconscious, allowing you to align yourself with wealth and purpose. Rachel: So, it’s about turning your relationship with money into a partnership, not some kind of struggle. Autumn: Exactly! And when you master your mindset, you’re not just bringing in financial abundance. You’re creating a life that feels truly fulfilling.

Autumn: So, by really grasping the power of our minds, we can then look at some practical ways to “make” these beliefs real. That’s where Murphy’s ideas go beyond just theory, you know? Mindset's the base, but what makes his stuff work are the tools he gives us—visualization, affirmations, and gratitude. They're the steps that turn beliefs into, well, reality. Rachel: Okay, so we've set the stage with the mental gardening idea—mindset equals the soil, got it. Now we’re figuring out how to plant seeds and actually get those flowers—or, you know, those dollars—to pop up. Where do we even begin? Autumn: Hmm, let's start with visualization—Murphy thinks it's super powerful. He says that when you make a mental picture of your goals, use really clear, specific images, you’re teaching your subconscious to see them as real. Like, if your mind's already been there, seen the success, it builds the confidence, the push, to go after it in real life. Rachel: Right, so it’s like, a mental practice run for success—you're getting ready for the real deal beforehand. But is this really more than just daydreaming? Where's the line between actually helpful visualization and just, well, wishful thinking? Autumn: That’s a really good question. The difference is clarity and how much you feel it. Daydreaming is just watching; visualization is active, it’s on purpose. You're using all your senses, really focusing on the goal. Think about the beauty operator from Murphy’s book. She was drowning in debt, her business was failing, felt totally stuck, right? Rachel: Oof, sounds rough. Lemme guess—she didn’t just wish for a miracle, did she? Autumn: Exactly! Under guidance, she started doing nightly visualizations. She’d close her eyes, see her salon full of life—clients laughing, thanking her, raving about her work. She didn’t just see it; she felt it. She imagined the joy, the energy, even the sounds of her chair turning, scissors snipping. Basically, she lived her dream in her mind every night. Rachel: Okay, I'm kinda seeing it. By really getting into that success in her head, it changes your focus, your energy. Did her actual life end up catching up to that vision? Autumn: It did, but not right away. At first, nothing changed outside. But over time, she felt more optimistic, more confident, which changed how she acted. She started doing more—taking care of her space, rethinking her services, and just showing her clients she believed in her business. People started talking, old clients started coming back. Soon, her business was doing great, just like in her visualizations. Rachel: Okay, I get the strategy. Visualization gets the mind ready, but it's not just sitting around—it’s practicing and building confidence, which then leads to action. But tell me, Autumn, if that’s Visualization 101, what’s Affirmations 101? Autumn: Affirmations are the next thing, and they go hand-in-hand with visualization. They're positive statements to overwrite negative beliefs in your subconscious. Murphy’s idea here is simple but powerful: our thoughts make our reality. By saying things like “I am worthy of financial success,” you’re literally retraining your brain to believe it. Rachel: So, affirmations are like, rebranding your thought process? If your brain's been a stressed-out manager yelling "we're broke!" through a megaphone, you're swapping those messages for something more, well, motivating. Autumn: <Laughs> That’s a great way to put it! Murphy actually connects this to neuroplasticity—how our brain changes based on what we repeat and experience. In the book, there's a story about a guy during the Great Depression. He lost everything—money, status, everything—but every day, he said, "I made a million dollars once; I can do it again." Rachel: And I'm betting, while everyone else was just trying to survive, he was turning his affirmations into reality? Did he actually rebuild his wealth? Autumn: He did. By saying that affirmation, he stayed motivated, and he stayed open to new opportunities, even when things were really bad. It wasn’t just being optimistic—it was a mindset that let him think creatively and act decisively. Within a few years, he made his fortune back. Rachel: That’s really impressive, but I can already hear the skeptics: what if affirmations feel fake? Can anyone just start saying “I'm a millionaire” and actually believe it? Autumn: Murphy knows that affirmations take faith and persistence. It’s not about tricking yourself into thinking you’re rich overnight—it’s about believing that you deserve and can achieve abundance. If a statement feels too big to believe, he says start smaller—say something like, “I am capable of creating opportunities for wealth,” and then build from there. Rachel: Okay, so it’s about opening the door of belief a little bit, even if you're not kicking it down. Here’s a question: visualization, affirmations—they might help on their own, but do they work together? Is there a reason to pair them up? Autumn: Exactly, they’re like tools that work together. Visualization creates a clear goal, while affirmations reinforce your belief that you can actually get there. Together, they give you that emotional connection, that mental discipline. But Murphy talks about one more thing that ties it all together—gratitude. Rachel: Gratitude, huh? I’m guessing this isn’t just about saying “thanks” when someone hands you the salt shaker? Autumn: Not quite. Gratitude, in this case, changes your focus from what you don’t have to what you do. By appreciating what you already have, you train your mind to see opportunities instead of problems. There’s a great story in the book about a woman who was struggling financially but started writing in a gratitude journal. At first, it was just small things—having enough food or someone saying something nice. Rachel: That’s relatable, but did her thankfulness actually help her finances? Or did it just make her feel better about things? Autumn: Both! Over time, her perspective shifted. Instead of feeling stuck because of what she lacked, she got excited about what she could create. That change in mindset led to action—she took risks she might have avoided, reached out to people, and gradually attracted opportunities that improved her situation. Rachel: So gratitude isn’t just feeling good—it’s a reason for noticing and going after opportunities, even when things are tough. And it works with visualization and affirmations by making your mind open and ready for abundance. Autumn: Exactly. Murphy says that when you use these things together—gratitude, affirmation, visualization—they make each other stronger and help you really believe in your ability to succeed. Instead of just doing them separately, they create a whole system for making abundance happen in your life. Rachel: Alright, Autumn, I'm impressed, I'll admit it. So the point isn’t just about attracting money—it’s about changing how we think, feel, and act about it. Maybe Murphy really did figure something out.

Autumn: Okay, so now that we've got some tools, let's talk about tackling those barriers that “really” hold us back. I mean, it’s great to use affirmations and visualization and all that, but if we don’t get rid of the "weeds," those limiting beliefs, we’re not going to grow. This is where Murphy’s real genius comes in: He shows us how to deal with the mental and emotional blocks that keep us stuck. That way, we can actually have both spiritual and personal growth. Rachel: Right, this is the tough part. The stuff people avoid because it's, well, uncomfortable. So, what exactly are these "limiting beliefs" we're even talking about? Give us some examples. Autumn: Basically, limiting beliefs are mental blocks – those negative assumptions you have about yourself or about the world that keep you from reaching your potential. They often sound subtle, like, "I'm not smart enough to be successful," or "I grew up poor, so money just isn't for people like me." They're like invisible walls, but they have a huge impact on what we do. Rachel: Yeah, I see how those thoughts can creep in. If you've decided you're bad with money, every budget just looks like a disaster waiting to happen. So, how does Murphy suggest we actually deal with these annoying beliefs? Autumn: Well, he starts with awareness. You need to figure out where those beliefs come from. Often, they're rooted in childhood experiences, cultural messages, or even family stuff. Like, if you constantly heard phrases like, "We can’t afford that," or "Money doesn't grow on trees," those ideas probably got stuck in your head. You end up thinking that wealth is impossible, or even a bad thing. Rachel: Okay, so step one is detective work, figuring out the source of these beliefs. Makes sense. But I'm guessing step two is not just snapping your fingers and saying, "Problem solved!" Autumn: Definitely not! Once you know what they are, you have to replace them with more empowering beliefs. Murphy talks about reconditioning your mind with affirmations. He tells a story about a woman who was stuck in self-doubt for years, always thinking, "I’m not good enough." Rachel: Let me guess... she started using affirmations, right? Autumn: Exactly! But it wasn't just repeating words, it was a “really” deep process. Murphy compares it to "filling water pots to the brim." The water pots are your mind, and filling them means completely immersing yourself in faith in your goals. She focused on the feelings and achievements she wanted, and shut out any fear or self-doubt. Slowly, she changed her old way of thinking to one that helped her achieve her goals. Rachel: "Filling the water pots," huh? So, instead of leaving room for doubt, you completely saturate your mind with belief in your goals. But I imagine that’s easier said than done. What if you can’t get rid of the doubt completely? Autumn: Murphy understands that doubt can be persistent, which is why he emphasizes perseverance. You have to have faith, the belief that what you want is already on its way, even if you don't see it yet. Like the "water into wine" story, it's about trusting the process. Rachel: Alright, I'll bite. Faith is great in theory, but does Murphy offer any useful tools to help you actually achieve this? You know I need something practical! Autumn: Absolutely. One practical thing he recommends is gratitude. It’s a perfect fit for building faith and overcoming limiting beliefs. Practicing gratitude helps you focus on abundance instead of scarcity. When you focus on what's going right in your life, you train your mind to see possibilities instead of just problems. Rachel: And by gratitude, you don't mean just writing "Thank you, universe, for making me rich" over and over, right? Autumn: Not exactly. Murphy suggests keeping a gratitude journal – writing down specific things you're thankful for every day, even small things. Like being grateful for a sunny day, a supportive friend, or a great cup of coffee. Over time, this changes your perspective, helping you to see opportunities where you only saw problems before. Rachel: I can see how this works. Gratitude gives you the mental space to focus on progress, instead of getting stuck on what's missing. But what about emotional baggage? Are resentment and envy just minor roadblocks, or are they more damaging than we think? Autumn: Oh, they're very damaging. Murphy calls unresolved emotions like resentment and bitterness "emotional blocks.” They drain your energy and prevent abundance. If you're envious of someone's financial success, you're telling your subconscious, "I don’t want other people's blessings," which limits your own success. Rachel: Sounds counterintuitive, but I get it. If you're busy being upset about someone else's success, you're not focusing on creating your own. So, what's the solution? Autumn: Forgiveness. It's one of Murphy’s key ideas. Forgiveness frees you from emotional baggage that holds you back. He even suggests doing forgiveness meditations: Closing your eyes, picturing the person you resent, and mentally letting go of that negative energy. It’s about creating space for your own success. Rachel: Okay, I see how that works in theory, but... forgiving someone who's hurt you, or even forgiving yourself, can feel impossible. What if you just don't want to let go? Autumn: That's where the spiritual growth comes in. Forgiveness isn’t about excusing what someone else did, it’s about taking back your own power. As Murphy says, "You lose what you condemn." When you let go of bitterness, you’re not condoning the past; you’re freeing your future. Rachel: Alright, I hear you – gratitude, forgiveness, and faith are the ultimate clutter-busters for the soul. But let’s be real, how do you keep up with all this when life gets difficult? Autumn: That’s why perseverance is so important. Murphy says these aren’t one-time things, they’re habits. You can’t undo years of limiting beliefs overnight. It takes consistency, daily commitment, starting with small things like visualization before bed, or quick affirmations during the day. Rachel: So, the key is to keep going, even when you don't see any changes. Faith, gratitude, and forgiveness become the foundation for building something bigger down the road. Autumn: Exactly. Murphy believes real change isn’t about quick wins. It’s about creating lasting growth--mentally, emotionally, and spiritually. When all these things come together, your mindset shifts, and that’s when abundance starts to happen naturally.

Autumn: Okay, so to bring our chat on abundance to a close, we've looked at Dr. Joseph Murphy’s, well, classic ideas on attracting abundance. We kicked off with mindset – how tweaking what you believe deep down can “really” change your financial picture. Then, we got into practical stuff like affirmations, visualization, and gratitude, tools that help turn belief into action. And finally, we talked about getting over those mental blocks through faith, forgiveness, and, you know, sticking with it. Rachel: Right, and the underlying message throughout was clear: abundance isn’t just about stuffing your wallet; it reflects how you’re thinking, feeling, and acting towards money. So, when your head's in the right place, you’re not just trying to get rich. You’re building a base for feeling good and just being happy and content. Autumn: Exactly! If you only remember one thing from today, remember this: abundance is as much about what’s going on inside you as it is about what’s happening around you. The road to wealth? It starts with clearing out your mental junk, planting positive thoughts, and, watering them with effort and belief. Rachel: And maybe giving the occasional Lamborghini a mental thumbs-up, right? Jokes aside, if Murphy's right, then every thought, every affirmation, every little choice we make is either paving the way or building roadblocks. We're in control of all of that. Autumn: Exactly. So, just start small as you go about your day. Say something like, "I'm open to new possibilities" or just spend a few minutes picturing what success looks like to you. It all starts in your head. Rachel: Couldn’t agree more. Who knew talking about mindset and money could get so, profound? Let’s see how many wallets we subconsciously create by next time. Autumn: Thanks for listening, everyone! Keep that positive mindset going, and watch the abundance roll in!