Play Yourself Some Money

Many people find me and my site because they’ve googled money quizzes or money health, or something along the order of improving their financial life. I realize this and yet find myself going back to wellbeing over and over again. I have to pull myself back from that because I understand how important this is to people.

People think having lots of money will solve their problems; having lots of money will ease stress, make their lives more attractive and make them happier.

I’d like to address this, and how a healthy approach to money is imperative to making peace with the subject of money. It is the feelings of lack, the wishing, the grasping, the neediness that makes us suffer. Not our bank account balance. After all, most of us will eat today and tomorrow. Most of us have a dry, warm place to sleep. Therefore, the angst and despair over the idea of not having enough is where our suffering originates.


Some of the happiest people in the world have very little in the way of possessions and luxuries. It isn’t money that creates happiness and wellbeing.

The grasping and angst could be just what is wrong.

Avoiding learning about money

Holding a belief money is really hard to attain

Thinking wealthy people must be shady

Or, we don’t deserve it


We all know these concepts.

But what about this. Money is just a game. Some people know how to play the game better than others. They don’t take it so seriously. It could be their hobby. Challenging themselves to up their game to find a better paying job, or have a hobby that enables them to sell a product or a service, saving the extra cash.

It feels like a game to see how much can be put away each month in a savings or investment account.

It feels like a game to figure out what kind of trip you really want to go on and make a vision board about it, save toward it, and revisit imagining it often.

It feels like a game creating crafts around your vision, like the ‘Fun Account’ check book cover I showed on my money blog. I drew places I wanted to visit and words like, “unlimited” on it.

What are other ways you can make creating money playful? Asking the question will begin the movement of change.






Market Crashing? Testing….

Not only we in the financial industry are tested during market volatility, but investors such as yourselves are also. Chances are those of you reading this are aware of the market action yesterday, with the Dow Jones Industrials, one of the hallmarks to watch (even though it is only 30 stocks) going down 1175 points. On TV, all over the internet, on smart phone bulletins, it couldn’t be escaped. I watched cable news yesterday between work, tuned in last night, read financial news sources and listened to the radio coming in this morning, and this is what I heard and saw:
Markets PLUNGE
It was a FREE FALL
Stock Market COLLAPSE
Worst one-day and intraday point losses EVER
What makes it even worse are the reasons given. I listened to a call-in show on the radio and callers were saying things like “This economy isn’t really strong. It’s a fake economy. The markets are way too high. This is the beginning of the end! The stock market was propped up artificially.” And on and on and on.
I’ve been itching to get a moment to address this.
Yesterday’s market moves were hardly historic. The move wasn’t even in the top 20 down days. Back in October 1929 the crash was a drop of 12+% . One day I will always remember is October 19, 1987 when the market dropped over 22%,
Do you know how much percentage-wise the Dow dropped yesterday? 4.6%
It only makes sense to compare percentages. Points don’t tell the story.
But that doesn’t make a good story for the news. Nor does letting you know that we were overdue for a correction and we will have more. That’s a healthy market. We are in a strong economy.
The stock markets cannot just continue to go up without a breather, investors taking profits, and yes, people getting nervous.
So, we are all being tested. I must say with the few hundred clients we have I am pleased that we haven’t had frightened investors calling us in need of reassurance, not one. Hopefully, that means we have done our job educating them of the facts, that it is best to ride these rocky times out, and that it is time in the market that makes all of us successful.

Kasey Claytor

How to Increase Your Income

This is a topic I live daily, but don’t talk about much. I’ve incorporated these key practices for so long, they are my normal state, so I forget others would really like to know them! Everyone wants more wealth. Integrating these following practices, one by one, or a few at a time, until they become habitual, feel comfortable, will get you on your way. You don’t need to do special affirmations, writing them on your mirror, (though I’ve done that) follow 100 gurus and teachers to discover success, or your purpose; just develop good daily practices that make you stretch and grow.

I was very fortunate to have a wonderful childhood of contrasts. For the first 11 or 12 years of my life we were in prosperity, though I had no idea of that concept. In my world it was just the way it was. Then, my father lost his business and we fell into poverty. Looking back, it was a remarkable occurrence, for, if that had not happened, I wouldn’t have a clue how other ways of living were. It also gave rise to my impetus to recreate the prosperity we once experienced. I went through more poverty as a young adult, yet believed it was temporary. It was.

  • Examine your beliefs regarding wealth and money, and your feelings about the success of others

You already know this; when envy pops up, when you judge other’s success harshly, when you find yourself bashing the wealthy, you know it holds you back from your success. It may be that you don’t consider it possible for yourself. False notion. If you think being wealthy, (which by that I mean a sense of freedom in doing and having what you want and need), is somehow sinful, you need to reframe that belief. Just like you can change a memory, choosing the positive parts it offers, instead of dwelling on the negative, you can shift your past, its effects, and ultimately your expectations. As it has been said many times, your being poor doesn’t help anyone.

Practice praising others success, be happy for them

  • Assume and expect

Build that expectation that you will succeed. Live in the world where you have already reached your goal and watch reality catch up. Assume in your words and manner you have already arrived. But be humble! Be dignified! You have what it takes. You know you do!

  • Don’t get comfortable with mediocre

I see this all the time. People settling. It is one of the biggest causes of unfulfilled desires. People stagnant. They don’t believe they can do better, so they don’t try. They make do, accepting a so-so existence. You know you can do better. Butt-kicking time! I’ve done that many times myself. No self-pity.

  • Pay yourself first

A big cause of financial failure is lack of knowledge about money. No excuse. No matter how much you make, you can begin to put aside even a small amount, every payday, every month, before you pay your bills. When it grows enough to invest, find a good financial advisor and begin investing. Have your checking account debited every month to go into your mutual fund. Watching it grow will shift you in magical ways.  If you don’t have enough to do this, never, I mean never, quit looking for a better paying job, or start a business!

  • Read & find stillness

Educate yourself. Reading does many great things, among them increasing your knowledge, raising your IQ, developing better problem solving skills, increasing your grey matter, raising your consciousness, and training your mind in new and wondrous ways. And meditate. Benefits abound.

  • Fear + action = self-esteem

This is from my daddy. He told me you never grow if you don’t stretch into unfamiliar land. Enough said.

  • Go for wellbeing

All the best advice out there will inevitably lead you to wellbeing. This is my thing, my focus for my life: health, happiness, peace, prosperity, and enlightenment.

  • Giving and receiving

The ability to give and receive is crucial to a satisfied, happy life. Inviting both with open arms keeps the flow going. Abundance will dance through your life like a great ballet.

  • Gratitude

A key for many successful people. Being grateful everyday invites more into your life to be grateful for.

  • Baby steps

Be gentle with yourself. Take small steps. Withhold judgement. Forgive yourself. Do your best. Start over. Every time. There is no finish line.


Ayurveda and your Money









I have been a financial planner, broker & advisor for so many years—almost too many to count! I have also been fascinated with Ayurveda since I first read Quantum Healing by Deepak Chopra in 1989. Now, combining these two bodies of knowledge allows for some really interesting analysis from my years of observing clients and their attitude toward money.

You see, Ayurveda classifies people’s mind/body constitutions into three main types, or doshas. They are actually resulting from combinations of the five elements of the material world, as this science sees it. For this short article’s purpose, we will use a simplification into the three-main mind/body types and call them Air, Fire, and Earth.

Here is the description of the three types along with their responses to money and investing:

Air– Changeable, creative, lively, artistic, quick moving, expressive with a tendency toward worry and anxiety when they are stressed, (For example, while watching the volatility of the stock market.). An Air type may be impulsive and enjoy spending money, often to their own detriment. Once they entertain thoughts of the market going south, or the possibility of flaws in their investment plan, they will get anxious and think they’ve made a mistake. They may even lay awake worrying about it.

If this sounds like you, do things to create a calmer life. To reassure yourself, create a plan that includes less volatility, stay prudent, and find someone to coach you so when the markets get scary, they help you stick you your plan.  The challenge here is to keep yourself from making rash decisions, foiling your long-term goals.

At your worst, you may impulsively jump in and out of the market or withdraw money for an imprudent purchase.

But, at your best, you appreciate the philosophy and creativity of a solid, wealth building strategy, along with the security of it. You are extraordinary in the creativity department, so devise the terminology and schematic for your financial plan.

Stay away from topics that cause you to worry or obsess about your investments. Go outside and take a walk.

Fire–  High intellect, loves having control, ambitious, likes luxury and the finer things in life, often leadership qualities, can get irritable and angry when things go wrong. Mostly good savers until their competitive nature and desire for looking successful causes them to choose big dollar items not always good for their overall financial plan.

Once this group understands the portfolio allocations and their options, they rapidly pick one with an objective they like. They are usually good to go until a buddy brags to them about the new, greatest mutual fund, stock or scheme, which can get under their skin and drive them back in the office to see what is wrong with their portfolio! Patience isn’t such a virtue for this group either.

So, if this sounds like you, it is knowledge that soothes you back into financial health. Do everything you can to keep yourself focused on your plan, regardless of what anyone else is doing, or saying!  You completely understand the reasons to stick with it, and keep your vision of success in mind. What will work best for you is giving yourself occasional rewards, turning off economic or financial shows that cause you to become doubtful or irritated, (because you can’t control the markets) and find things that sooth you. Take up yoga.

Earth- These warm kind-hearted souls are ever patient, giving, and understanding. They can save like nobody’s business. Once they decide on a plan, they are loyal to it. They have a tendency to procrastinate, so the first hurdle is making a decision. Once they do they are good to go. The downside of being this type, however, is hanging onto things too long, and that goes for their money too. They may have too much building up at the bank; it’s comfortable, but their money isn’t working for them. This is a type of stagnation. If they receive a recommendation to change assets that are in a poor investment, develop their estate plan, or add beneficiaries, it is easier for an Earth type to push it down the road. At worst, when things go wrong, they get depressed, which causes even greater withdrawal from needed actions.  So, if this sounds like you, find ways to get yourself stimulated to take action and tackle these tasks so that you are financially healthy and secure. Find ways to uplift and encourage yourself. You ultimately have more endurance than the other types, so once you do decide on a path, your amassing of a rich life is on the way. No one can stop you once you build momentum. And it is important for Earth types to physically move, so get out and run!

No one is solely one of these types. But we all can recognize dominate attributes of one or two in ourselves. Part of an advisor’s job is to help you devise your goals and strategy and coach you to stick to it when you get in your own way!

Exploring Map of Money Consciousness

Raising your Ability to Prosper

This program will be for serious and committed individuals who are ready to look deeply into their own beliefs and practices to uncover the reasons for their financial challenges.
     I don’t suggest that everyone should want to be wildly wealthy, this is for attaining financial health and financial confidence with a whole mind, body, spirit approach.
     At this time I envision a maximum of 15 participants to adequately address each and every student’s needs and dreams.
What will be included?
1)      Daily practices that will enhance clarity, problem solving and connection to spirit for higher guidance.
2)      A 7 step program with syllabus that you can re-use as often as you want after the program ends.
3)      Tools to reveal to you the inner secrets you have been hiding from yourself, keeping you where you are
4)       7 one hour long bi-monthly group online/phone lessons and sharing with recordings available.
5)      Unlimited email support for questions and issues that may come up
6)      Actions to take after each lesson
7)      A private Facebook page for the group to share issues, solutions, celebrate ahas etc.
8)      An in-depth financial program that you, yourself will create and name
What I will require from you.
Pledge to honor yourself and others on our sacred path.
Making a commitment to follow through on your intentions to your best ability.
Take your homework seriously, realizing nothing will change unless you do.
Price will be determined later. Keep in mind, if it is too low, it is human nature to not invest your energy into it, or appreciate the information. Also, in keeping with honoring myself, I must be aware of the large time investment I will be contributing. BUT, this first pilot program will be at a greatly reduced price, as we together will be testing and experimenting to fine tune the material and exercises.
Tentative schedule:
7 sessions, one every two weeks in the third quarter of 2017

Please email me at osprey@ and let me know if you are interested in a commitment like this. I know you have the potential to succeed with this program! I would love to work with you!  🙂 

Why me?
Stockbroker for 22 years, then becoming a wealth coach, financial planner and money manager for last 11 years.
Chopra certified meditation instructor and wellbeing coach for 11 years
Certified Infinite Possibilities Trainer and Trailblazer from Mike Dooley’s program
Author of 4 books, two financial, two fiction
Went from single mom on food stamps to successful coach, author, and money manager

Two Ways to Wealth

Having spent my career in the financial world I’ve seen loads of people become financially successful, that is, they are what we would call wealthy. But, are they content, with a sense of joy? Healthy? These are the meaning of wellbeing: health, happiness and prosperity. And this is why my message is always designed to move you toward your own wellbeing. It may seem like my message leaves out prosperity, but please read this:

You can gain wealth by working hard, taking risks, continually moving up the ladder, grasping and maneuvering, trying to change yourself for the world. You can suck up the demeaning boss’s abuse, bearing the slights and lack of recognition on your way. By shear force and dogged determination you just might become one of the ‘successful’ ones. I saw this in the brokerage industry, the unfailing loyalty to the company, the acceptance of grueling projects, ungodly long, suffering hours, even sometimes the throwing of co-workers under the bus. And when you get the corner office you’ve made it. Or have you? How much grace is in your life? Peace? Light-heartedness?

On the other hand what if you followed joy? What if you conducted your life in a way that reflected love? What if you held your wellbeing as a priority, making decisions by taking into account whether they will move you toward more wellbeing, or further away?

A person moving toward their wellbeing, with a holistic approach to self-care, and a practice connecting themselves to the underlying flow of their own divine guidance, will gain prosperity, in whatever form that means to them. It is all created in the moment by moment choices we are presented with throughout our day. With a clear head and robust health, we are ready to take on new challenges. Our inner guidance assists our decisions. Our self-knowledge moves us through the fear of going in a new direction. Our maturity helps us know when and who to ask for help.

When I finally, finally faced the fact that the corporate world was making it difficult for me to reach my own wellbeing, I started exploring other options. I signed up for my first Chopra Center course. I read books. I spoke with other advisors who left the corporate world to become independent, running their own business.  So I did too, and never looked back. That was 16 years ago. What is funny, is that when you are running your own venture, whether you work 30 or 70 hours a week, it just flies by, because it is what you are filled with a passion to do. The energy it takes is abundantly available.

You don’t need to start a business yourself to reach prosperity and wellbeing. It may mean doing your own thing in your off hours. It could be writing, acting, volunteering, teaching others, picking up a part time job in a field you are attracted to. It’s endless. And any one of them could lead you to your prosperity. It all begins with caring for yourself.

One last thought; so many people come to my sight for the first time by taking the Money Map Quiz. It is worth taking, or taking again, and follow the suggestions for your level of money consciousness.




Money. What a word steeped in judgements, emotions, and labels! It is as if we throw all of our unwanted attributes onto it. And it is just a symbol, a means to trade goods and services.

I have spent over 30 years teaching others about money, how to plan for it, spend it, grow it, and invest it. But it really isn’t about money at all. It is really a path of self-discovery. So as I watch money vilified in the media and in society, it seems oddly amusing to me.


Spiritual principles outline how that which we resist and judge harshly is actually our own projections of our suppressed traits, the ones we don’t want to believe we have. We see those with power and money often as oppressors, evil-doers, or just plain selfish, which, in turn, puts us in the role of victim. It is a game. There isn’t validity in this victim role.  Their being rich does not reduce our possibilities.

In the broad spectrum of levels of human consciousness, the acquisition of money is spread across them all. (My Map of Money Consciousness™ illustrates a different consciousness, one associated with our relationship to money. More on that later.)

On a deep level, we know that rich people aren’t ‘bad’ just by being successful, and corporations aren’t ‘evil’, yet it has gained great popularity—again. I’ve seen this a few times in my career. When people are suffering they look outside of themselves to see who to blame. The ones in the spotlight are easy: the corporations who have executives making poor decisions for our culture and health, the arrogant elites who seem oblivious to the needs of employees and others.

Some people who climb to great success may begin their path with a high level of consciousness, but the rush of power causes them to fall back on their own inner awareness; the consciousness that opens compassion, empathy, and self-reflection. But it is a minority, albeit a noticeable, ‘in the news’ minority. Reality shows, 24 hour cable news, and titillating internet stories all combine to create a story about ‘rich’ people. Most are people just doing the best they can, like everyone else.

Money is inert. We apply our beliefs to it making it a force all in and of itself. We value stuff so much in our western society. We envy others who acquire lots of stuff. I’ve seen people who are addicted to attaining stuff. No matter how many houses, cars, or boats they buy, they continue to look for the next thing that will give them a charge, making them feel good about themselves. It isn’t about money at all.

The flip side of that are those who use their lack of money as an excuse to not try, to stay where they are, not wanting to move into that uncomfortable zone that would cause them to change, preferring to find others to blame.


It doesn’t matter how much money you have. What matters is, how much peace do you have? How much wellbeing are you experiencing? How are your relationships? Do you appreciate what is before you, right now? This is abundance.

No one is taking this away from you, unless you let them.

If you have issues with money you can begin with the Money Map Quiz, which will give you some place to start. If your quiz results are confusing to you, email me. I am here to help.

What Do You Spend Your Money On?

What do you spend your money on besides the cost of living, housing, bills, and food? Do you usually buy stuff:   clothing, luxury items, sports equipment, electronics, techy items, etc.? Or do you spend on experiences like weekend getaways, enriching programs, vacations, tours, charitable activities and dinners out with family or friends?

Buying ‘stuff’ will give us a temporary happiness but it is a fleeting consumption. All that we see, hear, feel, enjoy or experience is consumed much in the same way our food is consumed. We take it in and it becomes a part of us.

So, before you spend, think how it will enrich you. Whether that purchase will give you a lasting memory or fade away after the stuff wears out, is thrown out or used up?

Spending on experiences enlivens us, as an act of self-creation, building ourselves into a more aware, more complete, more exciting, and knowledgeable human being.

“Stuff” doesn’t do that!

A FUN Prosperity Tip For YOU

One of my checkbooks is a money market account that I designated “fun”. I deposit money in it for home items, massages, trips, etc. FUN stuff!


I looked at this checkbook cover that I had marked in white paint with the fading name, Schwab Trust Fun, and I thought, “Why isn’t all of the checkbooks labeled something ‘fun’? And so it began!


I bought some paints and went to work.

check book cover w paint

I’d like to share this idea with you, so you can create your own special checkbook cover. It’s invaluable in creating a positive experience with saving and spending. You could write your favorite quotes, prosperity messages like debt reducing affirmations, growth of assets, expanding, building and abundance!

(And, of course, when paying those bills, fill yourself with gratitude.)


This one shown is for TRAVEL expenses.

Now create your own! Send me photos and I’ll post them on our Facebook page!!!

Living In Financial Prosperity

Here are some of things I’ve noticed over my lifetime working with money; who has lots of it, who has little, who does great things with it and who wastes it, who develops angst over it and who has trust in it.

There are as many ways to acquire it as there are people. It means something different to everyone. There are hundreds of books on how to get more of it and how to think about it, how to organize it, how to save, invest and spend it.

And there are people who love it, people who are afraid of it, people who are allergic to it, and people who think its evil.

But it is inert, only flowing in and out of our lives according to our level of trust, faith and confidence.

We can’t trick ourselves into believing we live in abundance when our stomach knots up on the topic — when we fear for our financial future.

It is an inside job to establish a sense of financial wellbeing. It means starting small, if that is where we are, and expanding on that.

I’ve developed some suggestions that I myself have used successfully.

Play, play, play:

Get out that yellow pad and play with numbers. Write down all you own and the values, and all you owe. Doodle here on amounts that you would like to see flow to you. In your doodles, schedule paying off these debts. Watch them disappear on paper.

Every time you receive money, write it down on a ledger.  Keep a journal of all the money that flows to you. Keep adding to your total.

Watch the numbers grow!

Treat this like a great game, something that is amusing, enjoyable to play with.

When you get a substantial amount of money, think first what will add to your overall wellbeing. Give money first to yourself. Save some. Add some to long-term savings and some to short-term. Then go ahead and begin to eliminate the debt, beginning with the highest interest rate first.

What you do with your money has everything to do with how prosperous you are.  In what manner do you send it out into the world as you spend? You can ask before you spend:  Does this feel expansive or constrictive? Does this add to my wellbeing and the wellbeing of others or not? Is this fun?

It certainly is fun once you get used to playing with numbers and watch them grow.

Way before I had any money, when I wrote down all the bills and balanced my checkbook, I’d feel a sense of power over it. I enjoyed seeing the numbers on the page and began getting more and more curious about money. I noticed that once I got comfortable with an income it would become easier to imagine a bit more, and then more.

Your money consciousness will grow with you.

I am not immune to rough patches. They sometimes happen. When you hit one, know that you are infinitely supported by the Universe, Source, God, use your own terminology. You will eventually be lifted up once again and the money will flow. Play with your pen and paper until your belly relaxes into it. Trust.