Love and Money 15 Secrets to Wealth and Abundance

How To Create Your Timeline To Financial Freedom

If you are interested in learning more about how I quit my job in Dec of 2016 and now do what I love for a living, then CLICK HERE, enter your name and best contact e-mail, and watch the free video!

Love and Money 15 Secrets to Wealth and Abundance

The 7 Wealth Principles For Financial Freedom

Wealth Principle #1 – It’s Not About The Money

The first wealth principle is from the book It’s Not About The Money by Brent Kessel, where he demonstrates in great detail how our financial situation is “not about the money”.

Ever wonder why you might get a raise at work, and be making more money, but you are still always living paycheck to paycheck?

The root of all this stems from childhood beliefs, stories and scenarios that we are living out as adults. Once we get to the emotional root of our money issues, then the money will work in our lives.

For example, when I was having money difficulties, with 7 different debts to people and creditors, I realized that I had created it because I felt that I had to be punished.

I felt guilty about leaving my fiance, guilty about leaving my family, guilty about leaving my school. Even though I wanted to leave, the guilt I felt for doing what I wanted made me punish myself using money.

Now, that’s my story, what’s yours?

Because trust me, your money situation is rooted in a cause that has nothing to do with money.

Find out what’s bothering you, resolve it, forgive and let go.

Wealth Principle #2 – You Don’t Know About Money Until You Have Money

Wealth Principle #2 talks about our knowledge about money, which is basically this, if you have no money, you need to learn more about money.

Wealth comes to those who value and study about wealth.

Those who go out and get the experience, go through the trials and errors, and gain financial wisdom are the ones with the money.

If you find yourself giving financial advice, when you are not financially fit, then stop, and go find someone else who actually has money and do what they tell you to do.

In addition, if you want to get financial advice from others, be sure you are getting financial advice from someone who has money and knows what they are talking about…instead of from your broke neighbor or best friend.

Wealth Principle #3 – Wealth is Measured in Net Worth, Not In How Much You Spend

Wealth Principle #3 is dedicated to all of the high wage earners who spend all their money on fancy houses, schools for their kids, and nice vacations…all the while saving and investing nothing.

This is most of the population of the United States, living beyond their means and spending to look wealthy.

The truth is, wealth is measured in Net Worth, and not in how much you make or how much you spend.

Net Worth is the difference between all that you have and all that you owe other people. For instance, if you have $3,000 worth of stuff, and you owe $10,000 to credit cards and other people. Then your Net Worth is -$7,000.

Wealthy people are ranking by their Net Worth. So if you want to measure your wealth, go ahead and calculate what your Net Worth is.

Wealth Principle #4 – You Become Financially Free When Your Passive Income is Equal To or Greater Than Your Expenses

Wealth Principle #4 was ingrained in me when I was told by a financially friend to play the Cash Flow board game every week until I could win the game in 30 minutes.

In Cash Flow, the only way to get out of the rat race, is to grow your passive income and lower your expenses.

It didn’t matter how much money you made in your job.

In fact, in the game, it was always easier for the janitor to become financially free, just because the janitor had lower expenses.

The key was to accumulate investments that yielded passive income, like rental properties, dividends, royalties, etc.

Besides passive income, if you kept adding expenses, like a yacht, more children, private schools, etc, then it took longer to become financially free.

Once I grasped that Passive Income and Expenses were the key, I grew my passive income and lowered my expenses until I got to the point where I could quit my job.

This is not easy, as when I did get an increase in pay, I sometimes spent more money.

Shortly before I quit my job, the lease on my car ended and I decided to save myself the $200/mo in expense, and go without a car.

For me, that $200/mo gave me freedom.

Until you are financially free, do not increase your expenses.

Wealth Principle #5 – Pay Yourself FIRST

Wealth Principle #5 is introduced in the book The Richest Man in Babylon by George Clason, and refers to saving money for yourself.

Basically, whenever you get paid, take at least 10% and save it for yourself, put it away for You, pay yourself.

After you take out your share of your money, then you can use the rest to pay bills, etc.

I first learned to Pay Myself First at the Millionaire Mind Intensive Seminar, where they taught us to take our income and make separate accounts. The most important was our Financial Freedom Account, and that was the account that we had to pay first.

In our Financial Freedom Account, we could invest the money, but we could never spend it. We could only spend the money that it makes.

Wealth Principle #6 – Become Financially Literate

This advice came to me from the book Rich Dad Poor Dad by Robert Kiyosaki, and basically states that you need to understand numbers and financial terms to become wealthy.

You need to be financially literate.

Here are some things that you should know:

1) How to calculate a percent
2) Assets = anything that pays you
3) Liability = anything that you have to pay for
4) Net Worth = Assets – Liabilities
5) Cash Flow = Income – Expenses
6) Passive Income = Money that you make without spending time
7) How to Calculate Return on Investment
8) Understanding Interest Rates

If you don’t know these things, learn them.

If you don’t know how, consider joining a finance freedom training program.

Wealth Principle #7 – What you Track Increases, or What You Focus On Grows

I was taught this in the Millionaire Mind Intensive Seminar, and again when I read Secrets of the Millionaire Mind by T Harv Eker.

I started to track my Net Worth every month.

As long as I tracked my Net Worth, it improved over time.

After I gave birth to my son, there were 2 years when I stopped tracking my Net Worth, and you know what happened?

It stayed exactly the same, around $60,000.

As soon as I started tracking it again, it went up into the $80,000 range, and now that my son is 4, my Net Worth is over 6 Figures.

Now, not only do I track my Net Worth, but I also track my Cash Flow and my Passive Income, and the amount of money in my Financial Freedom Account!


These wealth principles guided me to pay off all of my debts, quit my job and create a successful online business where I help people become financially free.

The wealth principles led me to take the following actions:

1) Track my Net Worth, Cash Flow, Passive Income and Financial Freedom Account Monthly

2) Keep my expenses down

3) Invest to create passive income

4) Automate my saving transfers so I pay myself first every week

5) Examine my thoughts and participate in activities that change my thinking to improve my wealth on a weekly basis

6) Learn from others who are wealthier than I am AND who are also living a lifestyle that I want

7) Be kind and gentle and loving to myself, and forgive myself for anything that I still feel guilty about

If you take these wealth principles to heart, follow them, memorize them and really practice them, you will also become wealthy.

I remember back when I was buried in debt with hardly any assets to my name.

Now I have no debt, and I do what I love which is be a homemaker, and also a part time entrepreneur.

I’m going on my first cruise in a week, with my husband and son…and it’s all paid for upfront.

We just bought our first condo in August in Waikiki, and I keep investing for more and more passive income.

What is it that you want to do?

What would you do if you were financially free?

What would your life look like?

If you were like me 6 years ago, and hungry to be free no matter what, then follow the wealth principles and claim your freedom.

If you feel like you need some hand holding, and want to join a group of like minded individuals all striving for financial freedom who will push you towards your goals, then CLICK HERE, enter your name and email, and watch the free video explaining my finance freedom training program.

Love and Money 15 Secrets to Wealth and Abundance

From $350,000 in Debt to Buying Our First Condo in Waikiki

When Jomel and I got married in August of 2012, we had a combined debt of $350,000. By April of 2016 we had not debt, I quit my job in December, and we just bought our first condo in Waikiki on August 28, 2017.

Now I live a dream life, where I get to be a full time Mom, work my online business part time, and I spend lots of time enjoying the beautiful beaches and outdoor fun of Hawaii.

After being over $350,000 in debt with credit cards, consumer loans, a car loan, a bad mortgage…

Now we finally bought our first property together, a condo in Waikiki!!!!!

How did we do it?

How did we pay off all of that $350,000+ debt by April 2016?

How did we accumulate the $75,000+ down payment for our condo?

How do we still make $500+/mo in passive income and growing?

I’ll tell you so keep reading…

Do you ever get the feeling you are about to explode with anxiety, anger or even sadness…over all of the mistakes you made?

I’ve been there, I think I spent a whole year crying everyday.

I was brooding over my problems, instead of looking for solutions.

I was wallowing in my pain, instead of being proactive and helping myself.

I finally got out of that when I made one decision.

I decided that there must be something better for me, and that I was going to make it happen.

Even though at the time I was at rock bottom, that was when everything started to change.

It’s just like you’re in a dark tunnel, and suddenly one pebble falls through and you can see a tiny speck of light shining in.  

Then you start chipping away at that speck and more and more light starts to shine through.

It took us less than 5 years, but can you imagine how much light you can let in if you chip away everyday for 5 years?

So some people think what we did was just unbelievable, and yet, if you follow the right actions, everyday, little by little, you can create abundance and wealth.

You can be just like us, getting ready to head out for another 2 week vacation…to Los Angeles, California.

…and then on a 7 day cruise from LA to Puerto Vallarta, Mazatlan and Cabos San Lucas in Mexico!

That will be 5 weeks of vacation in 2017 alone…imagine what it will be like in 2018!!!

5 years ago when I took a vacation I either stayed home or went to a marketing event or a personal growth seminar.

Often times I would get sick during my “vacations” because all the stress from my job built out and my body broke down when I finally did something different.

Well now I go on vacation and I’m healthy, and I’m enjoying time with my family.

I’m finally taking real vacations.

Oh, and it was paid for in cash…not credit.

We don’t carry credit balances for consumer purchases!

So I promised you that I would tell you how we did it.

Well, now maybe you can see:

– for 5 years every time we got paid we put aside at least 10% and paid ourselves first

– for 5 years we invested in passive income generating investments

– for 5 years we paid back / off our loans

– for 5 years we consolidated our debts to lower interest rates

– for 5 years I haggled with my creditors and got them to lower my interest rates

– my husband did a short sale of the home that was underwater with the interest only 1st and 2nd mortgages

– for 5 years I charted my Cash Flow, Net Worth, Passive Income and Financial Freedom Account

– for 5 years I budgeted my money and stopped using credit

– for 5 years we lowered our expenses and increased our incomes

– for 5 years I studied books like
…The Values Factor by Dr. John DeMartini,
…The Richest Man in Babylon by George Clason,
…Secrets of the Millionaire Mind by T Harv Eker,
…Rich Dad Poor Dad by Robert Kiyosaki,
…Money is my Friend by Phil Laut,
…It’s Not About the Money by Brent Kessel
…the list goes on

5 years can change your life.

It changed mine.

It changed my husband’s.

And it changed my son’s life.

What can 5 years of mentoring and taking small daily steps towards financial freedom do for your life?


Love and Money 15 Secrets to Wealth and Abundance

11 Secrets To Make Money With Your Mind

Read this like your life depends on it…because financially, it does.

“In late 1974, I purchased a small condominium on the fringes of Waikiki as one of my first investment properties.  The price was $56,000 for a cute two-bedroom, one-bath unit in an average building.  It was a perfect rental unit…  and I knew it would rent quickly.

I drove over to my rich dad’s office, all excited about showing him the deal.  He glanced at the documents and in less than a minute he looked up and asked: “How much money are you losing a month?”

“About $100 a month,” I said.

“Don’t be foolish,” rich dad said.  “I haven’t gone over the numbers, but I can already tell from the written documents that you’re losing much more than that.  And besides, why in the world would you knowingly invest in something that loses money?”

“Well, the unit looked nice, and I thought it was a good deal.  A little paint and the place would be as good as new,” I said.

“That doesn’t justify knowingly losing money,” smirked rich dad.

“Well, my real estate agent said not to worry about losing money every month.  He said that in a few years the price of the unit will double, and in addition, the government gives me a tax break on the money I lose.  Besides, it was such a good deal that I was afraid someone else would buy it if I didn’t.”

Rich dad stood and closed his office door.  When he did that, I knew I was about to be chewed out as well as be taught an important lesson….

…On that day, I learned more about money and investing than I had in all my previous 27 years of life.”

(pp. 97-98 of The Cashflow Quadrant by Robert Kiyosaki)

The 11 Secrets to Make Money With Your Mind

1) How to handle “You can’t do that” – when you bring up a winning investment proposal, your advisors/realtors/etc may say “You can’t do that”. What they really mean is “They can’t do that”. It does not mean that it can’t be done. Don’t listen, make it happen.

2) $1.4 Trillion Looking for a home – everyday money is circulating electronically, it is invisible because most of it is electronic. If you know how to take care of money, money will flock to you, and be thrown at you. People will beg you to take it.

3) Train your eyes to see only 5% and your mind to see 95% when you invest – “The average person is 95 percent eyes and only 5 percent mind when they invest,” said rich dad. Be sure to only take advice from people who actually know what they are doing, and know their numbers…who know how to take care of money.

4) Train your brain to see money – The ability to make money begins with financial literacy, with understanding the words and the numbers

5) Know what real risk is – understand each investment, and how much is put in, how much the costs are, the return, possible set backs and pluses, practice with small investments and work your way up. Practice, practice, practice

Bad advice is risky – most people learn about money by modeling what their parents did with money, they hear advice or see what others do, and they can’t tell the difference between good and bad advice

6) Your advisors are only as smart as you – If you are financially naive, they must by law offer you only safe and secure financial strategies. If you are an unsophisticated investor, they can only offer low risk, low yield investments. They’ll often recommend “diversification” for unsophisticated investors. Few advisors take the time to teach you. Their time is also money. So if you will take it upon yourself to become financially educated and manage your money well, then a competent adviser can inform you about investments and strategies that only a few will ever see. But first, you must do your part to get educated. Always remember, your adviser can only be as smart as you.”

7) Know the difference between an asset and a liability

8) Understand THE GAME OF MONEY – Who is indebted to whom?

Money is debt – The more people you are indebted to, the poorer you are.
Words that lure you into the losing position of the game are:

“Low down, easy monthly payments”

“Don’t worry, the government will give you a tax break for those losses”

Who owes you?

The more people who owe you, the richer you are.

9) What is your interest rate…really?

10) If you take on debt and risk, you should be paid.

11) Understand the difference between facts and opinions
Common opinions are:
“You should marry him. He’ll make a great husband.”
“Find a secure job and stay there all your life.”
“Doctors make a lot of money.”
“They have a big house. They must be rich.”
“He has big muscles. He must be healthy.”
“This is a nice car, only driven by a little old lady.”
“There is not enough money for everyone to be rich.”
“The earth is flat.”
“Humans will never fly.”
“He’s smarter than his sister.”
“Bonds are safer than stocks.”
“People who make mistakes are stupid.”
“He’ll never sell for such a low price.”
“She’ll never go out with me.”
“Investing is risky.”
“I’ll never be rich.”
“I didn’t go to college so I’ll never get ahead.”
“You should diversify your investments.”
“You shouldn’t diversify your investments.”

Do you due diligence.

Understand the investment, do the math yourself, ask all the questions, after you analyze, act.

Love and Money 15 Secrets to Wealth and Abundance

The 7 Levels of Investors from The Cashflow Quadrant by Robert Kiyosaki

Did you know according to Robert Kiyosaki in his book The Cashflow Quadrant, 50% of the adult population is a Level 0 Investor?

Level 0 is the level where people say they have nothing to invest.

I was a Level 0 investor in my 20s.  Are you a level 0 investor?

If you aren’t a Level 0 investor, then maybe you are a Level 1 investor, which are investors who borrow for everything!  They borrow to spend, they borrow to invest, they borrow to pay their bills.

I was a Level 1 investor in my mid 30s.  Are you a level 1 investor?

I’ve actually moved past Level 2 (saver) and Level 3 (“smart investor”) up to Level 4 (Long-Term Investors) and entering Level 5 (Sophisticated Investors).

Want to find out more about your level and how you can go to higher and higher levels?

Watch this video blog and comment below on what investor level you are at and where you want to be!