Very few things in life will create more distress or anxiety than lack of
money. Poverty, debt or simply not having our needs met will consume
most of our thoughts throughout the day and leave us struggling to sleep
at night. Survival is our strongest instinct and surviving in today’s world
requires money. We could argue that all we really need to survive is;
clean air, water; food, shelter and protection from harm. Maybe in
primitive times or even in much simpler cultures this is true, but for most
of us now, survival is more in line with meeting needs rather than simply
Psychologically and emotionally our needs have become very
complicated. Our reactions and responses to our needs have become
confused with our survival instincts. That heightened mental alertness
and the fight or flight reaction is just as real regardless of the validity of
any threat. The relentless anxiety over money will destroy a person’s
health or in some cases it can destroy their lives.
Almost everyone would like more money. We often say we would like to
be very wealthy, but when we really think about it, we usually find that we
don’t have any real burning desire for too much at all. Most of us would
be more than happy to have enough money to cover our needs and a
little extra to fulfill some of our desires. We might all agree that poverty is
a very bad thing, but many of us can not agree that wealth is a good
thing. Money or wealth is neither good nor bad. Rich people are not bad
people any more than poor people are good people. Money is often
thought about as sinful. Superstitiously we might think that if we have
money we forfeit something else; like love, time or happiness. We all
have our own belief system about money and those beliefs are often
lacking truth or logic. Our beliefs dictate our relationship with money and
are often emotionally motivated. How money became an emotional issue
is anyone’s guess, but emotionally charged it is.
Some people have good jobs which pay well; beautiful homes, fast cars
and all of the bells and whistles. These people can be just as stressed
and fearful about money as someone else who is struggling to buy their
next meal. Money is about survival at base level but it can also be about
ethics, religion, greed, self-esteem, punishment, approval, jealousy, love,
power, selfishness, insecurity, prestige or guilt. Of course it can be a
combination of these things as well as other emotional issues or
subconscious or erroneous beliefs and habits.
Before anyone can change their financial situation they must first
understand and then address their ideas about what money is. Money is
not good or bad. Having money is not good or bad. Money is rarely about
good luck or bad luck and no one is good or bad based on having or not
Money is an exchange of energy.
Money is a token of value; an agreement between two parties to
exchange goods or services. Money is very similar to breathing in air. It is
abundant. There is an infinite need for goods and services and you need
to sort out how to exchange your requirements with the requirements of
others. As sophisticated as we all think we are it still comes down to
barter. “I’ve got this and I want that – let’s swap.” Let’s think about that for
a moment; is it good or bad, is it about greed? No, of course not, it is just
me exchanging my energy with you.
If we go back to an earlier time we can simplify things in this way: A
farmer goes into town with his truck loaded up with chickens, potatoes
and a pig. He meets with other farmers and between them they have all
manner of fresh foods, animals, tools and utensils. The farmer
exchanges his load (his surplus) for the goods from the other farmers.
Simply, they exchange goods or service for an agreed value.
Back then, people were very limited in their exchanges. Physically carting
goods or traveling many miles to exchange services made things very
difficult. Two cows might have been of the same value as 3 goats and 12
chickens. But distribution would have been very time consuming and
limited. The important thing to understand is that it is about the agreed
value. This is how simple and clever money is. Money became the token
of value. A dollar is a unit of value. The value is in line with the amount of
energy required to produce the goods or the service. The wonderful
thing about today’s commerce is that we don’t need to take our cows to a
limited number of direct buyers. Money represents the exchange of value
with unlimited flexibility.
Everyone has something to sell and everyone needs to buy something.
Everyone is in the system and it’s a very, very good system. If you can’t
accept this principle then you will probably need to live under a tree and
survive on berries.
Understanding money is very simple, but understanding our relationship
with money is much more complicated. It could be as simple as make
more or spend less. This might sound trite but the truth is that for many
people this is how simple it is. Money problems are more likely to be the
result of self-sabotage; saying no to opportunities or feeling
uncomfortable or unworthy of accepting more than a survival amount.
The main reason for most people not having enough money is that they
have a distorted or irrational concept of money. This results in a
psychological inability to receive money. It’s not that money doesn’t exist
for them nor are they incapable of providing goods or services. Either
they can’t accept money or they just don’t value their own energy output.
That is not a money problem; that is an emotional reaction. And it’s very
dangerous and it is soul-destroying.
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