Category Archives: Help with Finances

Are You More Like a Radio or an IPOD?

Ugh. I used to be sooooo good at self-discipline before I got married and had kids. I could give myself a command and follow it – no problem. I even took great pride in my exemplary existence (cough, cough).

But everything changed when I became responsible to a bunch of other people outside of myself. No longer could I set a self-improvement goal to do this or that for so many minutes or hours a day… because frankly, the kid who needs to throw up simply isn’t interested in what your calendar has down for the present hour.

But there are other reasons for failing personal goals, I’ve discovered. While I’d love to blame my kids or my husband for my shortcomings, I’ve found a much more nefarious culprit that is more often responsible for my flounderings and flub-ups.

It’s ME. My inner self, my core, my subconscious, my evil twin insider.

Whenever I try to behave in a way that is not entirely in sync with my inner core, the battle rages and victory slips away more often than not.

I figured it out, though. I learned that the real secret is to FIRST change your inner core, and then the battle to adopt better behavior is no longer quite the same struggle.

How the heck does that work? I’m glad you asked. Let’s start with this:

Stop and think of yourself as if you were a radio set. Basically, if you’re breathing, you’re plugged in. Your mind has a sort of receiver that picks up on influences all around you, which are broadcast through the airwaves and other forms of media.

And I’m not just talking about commercial data input, I’m also talking about what real life people in your world are doing, how they look, what they’re saying… the environment that you live in day in and day out, the buildings around you, the cars driving by, the weather outside your window…

These various images and sounds are all data input into your mind. But like I said, you are like a radio, and although there is all of this data swirling around in your mind, only SOME of it will catch your attention and influence your direction.

So, what’s been catching your attention? To what station are you tuned? Well, the station you’re tuned in to can be determined in large part by the outer conditions in your life: YOUR health, your wealth, and the quality of your relationships.

The fact is, many of the outer conditions in your life are a byproduct of your behaviors, which behaviors are really determined by the ideas and beliefs that have been deeply established in your subconscious mind.

It all comes down to how you see yourself – what you believe about yourself, and how you believe life is supposed to look for you.

So if you don’t like the way life looks, you can begin to improve your circumstances by tuning in on a different station of thought – to become consciously aware of DIFFERENT ideas and things in your environment than the ones you have been naturally, or automatically, noticing to this point.

To help this make sense, let’s look a little closer at how a radio works, and then we’ll talk about how this information applies to you and your life.


A radio doesn’t pull music into the room when it is turned on. It doesn’t suck the sound vibrations through the walls. No, it only makes audible the music that is ALREADY there.

That’s the thing about the laws of success or even the so-called “Law of Attraction”… people think that when you’re living according to the principles, you’ll “attract” everything you need to your life. But the fact is, you don’t attract it all, as much as you simply become AWARE of what is already within reach. It doesn’t get “sucked” into your life as soon as you start thinking right; by thinking right, the blinders fall from your eyes and you see things that have been there all along, but which you were not noticing.

So that’s why I want you to think about yourself as a radio. The solution to your problem is only an IDEA away, and the idea shows up like a sudden spark in your mind once you’ve tuned yourself to the right station.  The idea was already in the room with you, just as music is in the room even when the radio is turned off.

Portal to Genius: how to tune in to the right station

Here’s an example of this phenomenon from history:

The way to fly a plane has always existed. The awareness of how to do it was only made known after the Wright brothers tuned in through their passion and commitment to find the way.

Now lets look at, for example, a person who is trying to quit smoking. Deep inside, they are “one” with the cigarette. So to try to leave it alone is as hard as it gets. Even if they are successful at leaving it alone, deep inside they feel incomplete for a long, long time. I don’t mean to say that the following idea is the cure-all for everyone’s addiction, but I know of one very interesting case where the person made it a practice whenever they felt tempted by the cigarette, to say out loud in a brushing-it-off tone of voice, “Oh, I don’t do that anymore…” and they said it even if they didn’t really believe it in their heart for a long time.

The fact is, we are affected by the things we hear. If we continually listen to people on the same station – people who have the same problems we do – we will continue to hear only the broadcast that inspires us to nothing better than the life we already have.


A person who tells themselves (here’s a generic example of an affirmation), “I am happy, healthy, and wealthy” –  and they speak it out loud enough about the new desired “truth”, they will eventually start noticing other broadcasts (data input) around them that supports it.  They will be in tune to a different collection of ideas and solutions that they had never picked up on before – and they will begin to believe them where they may have discarded them as ludicrous before.

The person who said, “I don’t do that anymore” was essentially (and consciously) tuning in to a new level of thought. As a result, his inner core changed much quicker because his own ears heard his own voice make a statement of decision.

Compare that to a person who, every time he is tempted, says out loud, “I’m trying to quit, but I’m having a real hard time with it.”

Knowing which of the two people are more likely to succeed is hardly a mystery.

But what about a person who is strapped financially? Well, they have a problem, don’t they? But every problem has a solution, so let’s figure out where it is.

The solution to one’s problem is never on the same level of thought as the ones that got the person into the mess in the first place. As Einstein put it, “The significant problems we face in life cannot be solved at the same level of thinking we were at when we created them.” Notice he places responsibility for our problems squarely on our own shoulders.

The Key to Change

Would it be harder for a smoker to leave a cigarette alone, or for him to SAY the words, “Oh, I don’t do that anymore”, before it is 100% true?

Sometimes it’s hard to lie – aka, tell the truth in advance – but it’s MUCH harder to quit the behavior without first changing your inner core.

So take a look at your circumstances. The kind of home you live in, the occupation you hold, the balance in your checkbook, the condition of your relationships, your level of spirituality, your health… if any one of these areas could be improved, they are what they are (as Bob Proctor says) only because you lack the understanding on how to make them better.

You may think you know how to change it, but unless it has already changed, you only have an intellectual concept of how to change. Your thoughts about it are actually on the same frequency as the thoughts that got you to where you already are.

The real solution is probably not what you think it is. The good news is that the solution is continually broadcast over a different station, it’s even right there in your room right now, and your job is simply to “tune in” to it.

Need money? Quit telling yourself you’re broke. Quit saying, “I would, IF I could afford it.” “I will go, IF things work out.” These are thoughts which are tuned in to  a life of mediocrity.  If you want anything to change, you need to first begin thinking on a different level.

Different level of thinking?

Think of how many radio frequencies there are!

Just as there are countless radio frequencies, as we go through each day, we are also subject to the bombardment of a variety of broadcasts, right and left.

Every commercial, every billboard, every conversation, image and thought that we allow into our mind has an effect on us. Some input pulls us down to a lower level, and sometimes (thank heavens) we stumble onto something that uplifts us.

If we stay on a frequency that only brings static, chaos is often the physical manifestation of the confusion.

The ideas stored within our inner core are that which literally controls our behaviors, which in turn dictates our results. Take control of your results by first taking control of the data INPUT into your mind.

Ultimately it’s best to be like a radio, which is tuned in to the highest broadcast available. Divine inspiration fills the air on that channel. But if we are not already in tune on that level, it might be a good idea to be an IPOD for a while!

While a radio simply makes audible whatever is floating through the air on whatever channel your dial is tuned to, an iPod plays only exactly what you give it to play.

To Be Like an iPod

To be like an iPod means you consciously and carefully select messages to uplift you, until the elevated way of thinking becomes your natural way of life.

While a radio can be subject to every frequency available, an IPOD only delivers precisely what you give it.

So feed your mind with ideas that uplift, intentionally. Don’t wait for something good to float through the airwaves on the channel to which you’re tuned. Instead, purposely subject yourself to input created by mentors or musicians who live on a level where you want to be. In time, (and it can take time) your inner core will more naturally and automatically think on that elevated level.

If you don’t know how to tune in to a different frequency of broadcasted solutions (which present themselves as flashes of inspiration), you can at least listen on purpose to people who live on that elevated frequency.

I’d like to present a few ways that you can fill your personal mental iPod with great input. Some of these will not be right for you right now, some will. You can discern them simply by:

  1. Deciding first what YOU want out of life, and write it down. (Read “The Jackrabbit Factor: Why You Can” to understand why that’s important.)
  2. Letting yourself feel it as though it is already so, for at least a few minutes today.


If you do those two things, you’ll put yourself on a frequency where you will resonate with and recognize the solutions you need. Then when you look at someone’s recommended resources, you’ll be naturally drawn to one or the other… or none. Trust your gut and follow through. Act on the hunch, believing that you will discover what you seek. I will not pretend that what I have is the right thing for everyone, right now. Not everyone is in the right mindset to receive what I have to give, and that’s okay.

To receive guidance from THE highest power, tune in to God – your creator’s frequency by generating genuine feelings of gratitude. Feel grateful for life, however it is now, and then allow yourself to feel grateful for the life you want, even before it is with you. Pretend it is so in your mind and feel the gratitude. That is what turns your dial to a divine station of inspiration and guidance. It’s as simple as that.

Originally written November 9, 2002


What I Think of Dave Ramsey


For years I’ve been hearing about Dave Ramsey and I’m embarrassed to say that (without listening to him myself) I had him pegged as the guy who helps broke people manage their limited supply, while I elevated myself as the teacher who helps people expand their supply.

At first pass, this may appear to be the case. But I want to set the record straight.

Listening to Dave Ramsey’s podcast and radio show has become one of the most inspiring, motivating things I do now for a number of reasons:

1) Dave’s advice is solid. Scripturally sound too, if that matters to you. I honestly wish we had been listening to him back when we first started making a lot of money. If we had, we wouldn’t have nearly lost it all in 2008.

2) The good news is that the principles I teach help you get what you want. The bad news is that the principles I teach help you get what you want. Did you catch that? They work even if you set stupid goals. Dave’s program helps you choose smart goals. REALLY SMART GOALS.

3) In the past, I’ve offered psychological strategies for getting out of debt. While they make sense according to the principles, human beings do a better job getting out of debt by following his advice than they do mine. In time, I hope to update and revamp some of my materials to reflect my new point of view. My tips may seem good and right as they are, but the fact is, he’s got a longer track record of helping MORE people actually achieve the debt-free goal, and I’m not afraid to tell you that.

4) I thought Dave was only about managing a limited supply. The truth is, he has a LOT to say about how to expand your cash flow. I never realized that before! Combine his tips with the principles you’ve been learning from me, and holy moly, you’d be unstoppable.

5) I thought Dave’s audience was only low income wage earners, and that high earning entrepreneurs had nothing to learn from him. GASP! Those of you who are already fans of his know how wrong I was. He has SMART guidance for helping you increase your income through entrepreneurship if that is one of your goals.

6) The principles I teach are a powerful and appropriate rescue when you’re in crisis. But once you get on your feet and start building for your future, his advice will keep you on a solid path. It will keep you out of debt. It will keep you prepared for emergencies, it will keep you on the path toward building wealth, and prepare you to give like no one else. At any point along the way, if you face another crisis, apply what you’ve learned from me to exercise faith and get yourself back on track quickly. Use the principles you’ve learned from me to achieve his baby steps in record time!

7) His baby step goals do not have to replace the goals you already have… but I do encourage you to listen to his podcast for a couple weeks and consider following his advice on what would be the smartest order for obtaining them.

8) He’s entertaining and seriously MOTIVATIONAL! There’s nothing more powerful than hearing people accomplish seemingly impossible things. Like paying off your house in your 20s, or paying off $500,000 in student loan debts in only three years, starting out making only $50K/year. We’ve already made greater leaps forward since listening to him than we were making before.

9) Dave loves to point out how most people who follow his baby steps usually end up getting raises, promotions, or increased business revenue in the process. He says that God tends to bless the person who is on the right path, and I believe that wholeheartedly.

10) Some people disagree with his investment recommendations. I’m not qualified to comment on those. But I do appreciate the education I’ve been receiving, so that I can at least make more informed choices than I’ve been able to make in the past.

Oh, there are plenty of other reasons I’m excited about Dave Ramsey and what I’ve been learning, but just so you know, getting paid to promote him is NOT one of them. He doesn’t know me from Adam – I’m just another one of his listeners.

I just know that if you are feeling a little uncertain about what goals you should choose next, or uncertain about how to get out of debt, or uncertain about how to do what needs to be done without going into more debt, or if you just want to know what it feels like to not HAVE any, then I wholeheartedly encourage you to listen to his daily radio show or podcast.

I have colleagues who do not agree with his philosophies. I have colleagues who don’t agree with me, either. I don’t always say the same thing as other mentors or gurus (here’s why). The fact is, different mentors’ messages have had particular application to our situation at different times along the way.

But now was the right time for us to learn from Dave.

At other times, other mentors have been right for us, and they had different counsel for us than what Dave would have taught. It’s all good. It’s all about getting the right advice at the right time. Not always because it is necessarily the best, but because sometimes we need to learn something from the experience, which helps us become more effective teachers.

(Remember the sidewalk and picnic analogy at the beginning of The Jackrabbit Factor free download?)

Some of the advice we’ve received over the years has been very expensive and painful – but the lessons we learned as a result was worth it. Without those lessons and life experiences, I never would have become the award-winning three-time international bestseller of The Jackrabbit Factor, Hidden Treasures: Heaven’s Astonishing Help with Your Money Matters, and Portal to Genius

So… I guess it’s okay.

Still, I would have preferred to learn my lessons from other people’s mistakes (such as Dave’s) instead of my own. It would have been so much faster!

Anyway, Dave’s message may not be right for everyone right now (for whatever reason) but it’s a whole lot more right for more people than I ever gave him credit for.

Sorry Dave!


Finding Relief from Heavy Burdens


A Special Message of Faith

In December of 2012 I was asked to speak during my congregation’s sacrament meeting. This is one thing that is common throughout my church worldwide: that members are given opportunities to teach each other about the gospel, and how they are learning to apply it in their lives.

Here’s the message I shared:

When we realized back in 2006 that we had purchased too much real estate at the wrong time, sometimes all we could do to calm the raging storm was to turn off the lights, close our eyes, and let “Peace Like a River” CD soothe our troubled and fearful hearts.

We tried to focus on the Savior, and let Him assure us that in the eternal scheme of things, everything was going to turn out okay if we fixed our faith upon Him.

He showed us that no matter how heavy the burden, he had the power to do for us what He had done for Alma’s people as described in Mosiah chapter 24 when he told them:

“I will … ease the burdens which are put upon your shoulders, that … you cannot feel them upon your backs, even while you are in bondage; and this will I do that ye may stand as witnesses for me hereafter, and that ye may know of a surety that I, the Lord God, do visit my people in their afflictions.”

The Bible tells us to have faith in Jesus Christ, and to love one another. But until recently, I never really recognized an important connection between these two directives, and how it relates to the lift of our burdens.

At the time, I considered the peace I ultimately discovered to be a tremendous personal victory. We were still in a mess, but He taught us peace in spite of it. That all of that could be happening and that we could find peace anyway was a miracle to me.

As our difficulty stretched on, I felt that I could relate in a small way to the man who had been a part of the fateful Martin Handcart company who said, “‘I… pulled my handcart when I was so weak and weary … that I could hardly put one foot ahead of the other. I have looked ahead and … said, I can go only that far and there I must give up…’ ” He continued: ” ‘I have gone on to that sand and when I reached it, the cart began pushing me. I have looked back many times to see who was pushing my cart, but my eyes saw no one. I knew then that the angels of God were there… The price we paid to become acquainted with God was a privilege to pay, and I am thankful that I was privileged to come in the Martin Handcart Company.'”

As hard as it was for us over those last few years, I wouldn’t give up the testimony we gained through it – that God lives and is mindful of us and gives us strength.

However, while it’s true, that when things appear to be falling apart, a return to the Savior (pondering his life’s example, repenting of our mistakes, finding gratitude, and imagining his steady and unconditional friendship) always brings peace, sometimes it can be really hard to set aside personal challenges enough to be able to think about helping someone else.

But what I’ve been learning is that our needs are cared for when we focus on others.

This is probably a more complete and true exercise of faith in Christ. Not just believing that He is real and finding peace in our challenges, but taking it one step further… do we really believe that our needs will be met if we forget ourselves? Do we really trust that the Lord will carry us through our problems if we lose ourselves in the service of others?

I remember back several years when my husband and I were trying to be anxiously engaged in a good cause, but our investment problems were screaming so loudly that it seemed nearly impossible to carry on.

We had come to the end of all of our visible resources – our savings were entirely depleted, our credit was completely exhausted, and with only $200 in the bank and no paycheck in sight (with another $15,000 in bills due in the coming 2 weeks), the moment we had tried so hard to avoid was finally upon us.

It was our anniversary weekend, and so with no other solution in sight, we decided to at least enjoy a dinner together and try to rekindle our hope in the future, and our faith in Christ. During our conversation, it dawned on us that even though we were at rock bottom, we were still alive, still breathing, and still able to help others.

We asked ourselves, if we were homeless, could we still teach? Could we still help others? Would we? Of course we could, and would. So that’s when our conversation shifted. Instead of focusing on our immediate needs, we projected our minds forward and imagined where we saw ourselves in 10 years. Did we think we’d be back on our feet by then? Would we have figured things out and put our lives back together by then? That seemed easy enough to believe. So then our focus shifted, and we brainstormed on the things we could do right away to serve others better, and made those plans.

By the end of dinner, we felt hope again. We felt the Spirit confirm to us that although we were in a pretty ugly mess of our own, we were on the right track.

So we paid the bill and just as my husband was opening my car door, the waiter came running out to the parking lot after us with a voided receipt yelling,

“Since it’s your anniversary, the meal’s on us!”

In that moment, we experienced a little bit of what the Lord had taught his apostles. He had tried to assure them that as long as they would feed his sheep, their true needs would be met. We’ve heard it so many times: “Consider the lilies of the field…” “…trust the Lord with all thine heart” “…fear not…” but how it is possible?

To explain, let me share it the way Elder Jeffrey R. Holland described it:

After Christ was no longer with his apostles, in effect, Peter said: “Brethren, it has been a glorious three years. …But [it] is over. He has finished His work, and He has risen from the tomb. He has worked out His salvation and ours. So … ‘What do we do now?’ I don’t know more to tell you than to return to your former life, rejoicing. I intend to ‘go a fishing.’”

But, … the fishing wasn’t very good. Their first night back on the lake, they caught nothing—not a single fish. With the first rays of dawn, they disappointedly turned toward the shore, where they saw in the distance a figure who called out to them,

“Cast the net on the right side of the ship, and ye shall find,” —and with those simple words, recognition begins to flood over them. Just three years earlier these very men had been fishing on this very sea. On that occasion too they had “toiled all the night, and [had] taken nothing,”…. But a fellow Galilean on the shore had called out to them to let down their nets, and they drew “a great multitude of fishes,” enough that their nets broke, the catch filling two boats so heavily they had begun to sink.

Now it was happening again. [They] eagerly lowered their net, and “they were not able to draw it for the multitude of fishes.”

After a joyful reunion… Looking at their battered little boats, … and a stunning pile of 153 fish, Jesus said … three times, “Peter, do you love me more than you love all this?” Peter said, “Yea, Lord; thou knowest that I love thee.”

To which Jesus responded …perhaps saying something like: “Then Peter, why are you here? Why are we back on this same shore, by these same nets, having this same conversation? Wasn’t it obvious then and isn’t it obvious now that if I want fish, I can get fish?

“What I need, Peter, are disciples—and I need them forever. I need someone to feed my sheep and save my lambs. I need someone to preach my gospel and defend my faith. I need someone who loves me, truly, truly loves me, and loves what our Father in Heaven has commissioned me to do.

“Ours is not a feeble message. … It is the work of Almighty God, and it is to change the world. So, Peter, for the second and presumably the last time, I am asking you to leave all this and to go teach and testify, labor and serve loyally…”

“If ye love me, keep my commandments,” Jesus said. So we have neighbors to bless, children to protect, the poor to lift up, and the truth to defend. We have wrongs to make right, truths to share, and good to do. In short, we have a life of devoted discipleship to give in demonstrating our love of the Lord. We can’t quit and we can’t go back…

To those who have not yet joined with us in this great final cause of Christ, we say, “Please come.” To those who were once with us but have retreated, preferring to pick and choose a few cultural hors d’oeuvres from the smorgasbord of the Restoration [of the gospel of Jesus Christ] and leave the rest of the feast, I say that I fear you face a lot of long nights and empty nets. The call is to come back, to stay true, to love God, and to lend a hand.” – Elder Jeffrey Holland

Now, on Christmas we were blessed to spend some time on the phone with our missionary son Jacob, and I asked him: What can we do for you? What can we do to help you?

He replied, emotionally, “I just want you guys to love each other. I want you to do your best to get along with each other. It’s so true that you don’t know what you have until it’s gone. I just want you guys to also stay in touch with me, keep writing letters, keep emailing me, keep me posted with what’s going on in your lives, the good and the bad…”

Our Father in Heaven – during our separation from Him – wants us to love each other, and stay in touch with Him through prayer. He wants us to go to him with the good and the bad, and let Him be a central part of our life.

And when we have burdens too heavy and worries too consuming to think outside of ourselves, I testify that we can put our trust in the Lord, hand him our burdens, …and as we focus on helping someone else, everything will work out just as it should.

I have a special journal dedicated to this – for when I have a concern or a need that seems to be more than I can handle, I’ll write “What I needed” on the left side, and then on the right side I write “How He helped”. After all, He has asked us to acknowledge his hand in all things – and this is one way I’m trying to do it.

(The following section is an excerpt from a letter I wrote to a friend, giving more details on this new journal tool.)

I felt the Lord inspired me to do something I hadn’t done before, when things were terribly overwhelming to me. The Spirit nagged me for 2 days until I did it… and that is this:

I got a notebook or journal that was specifically to be for one purpose. On the left side of the page, I wrote: “What I needed”, and I listed the things I needed to turn over to the Lord. I imagined angels being given permission to get to work on those items for me, because I was physically, mentally, emotionally unable to handle them myself at that time.  On the right side of the page I wrote: “How He helped” because I thoroughly expected Him to handle some of those things for me, and I wanted to document His hand in the process.

Within 20 minutes, I got a phone call that answered one of the pleas listed on the left.  Over time, it seems that all of them have been either checked off or making good progress. To me, it’s working better than a vision board ever did, because it’s more of a system for the purpose of fulfilling my life’s mission, and for handling the distractions that slow me down as well.

Once I put something on the “what I needed” side, I let it go and I get busy on something that I CAN make progress with, knowing that the other items are being handled.

And now, verily I say unto you, and what I say unto one I say unto all, be of good cheer, little children; for I am in your midst, and I have not forsaken you; (D&C 61:36)

Related: Do the Problems Go Away?

(Back now, to my talk at church…)

I know that God lives, that Jesus Christ is with us, He’s mindful of our heartaches, and ready to help. He is merciful. He loves us. He loves you. He knows what you’re going through; it’s not pointless.

May we exercise our faith in Christ not just by believing He is real, but also by trusting him – literally – to handle our burdens that feel too big, while we look instead for opportunities to feed his sheep.

This is my prayer for all of us.

Originally published on December 18, 2013


The Language of Faith

Positive Thinking Tip: Ask and ye shall receive – when you ask “right”

“One Way”

Learning to consciously apply success principles (such as the law of attraction) for a better life is just like learning a whole new language. At first, with every intention to communicate your desires perfectly, everyone makes mistakes. It’s happened to me: what was intended to communicate my desires clearly has often turned into something that I never intended at all.

But that’s okay… it’s part of the learning process.  Think about it:

Imagine going to a Spanish speaking country with nothing more than a rudimentary understanding of the Spanish language and an English/Spanish translation handbook.

(I tell people all the time that I can speak Spanish: Ta-co Bell, burrito, chimichanga, enchilada…)

So you arrive in the foreign country and climb into a taxicab. You open your book and intend to tell the driver, “I want to go someplace quiet and beautiful where I can feel the spirit of God.” So word by word, you search your translation guide and say, “Deseo ir en alguna parte tranquilidad y hermoso donde puedo sentir el alcohol del dios.”

The driver, who is a native of the country hears, “Desire to go beautiful tranquility somewhere, and where I can feel the alcohol of the God.”

Where do you think he will take you??

When you end up at a saloon, you might look at your book and throw it away saying, “This Spanish language doesn’t work!!!”

Do you know anyone who has been introduced to the principles of prosperity through “The Secret” or elsewhere, made an attempt to live according to the guidelines and then throw it all away because the “tool” didn’t work?

Maybe you’ve also thought about giving up.

Realize that the language of faith is just that: it is a language… of the spirit. It takes time to develop fluency. It takes time to understand the cause and effect of thinking, feeling, and acting in a certain way.

When things don’t go the way you expect them to go, accept the results and simply learn from them. Take the lessons that are available in every challenge and let them work in you so you can get closer to your goal the next time.

Don’t throw away the principles that you know deep down are true, even if the results you get aren’t what you intend them to be.

When you end up at a saloon instead of a beautiful botanical garden, it wasn’t because the “book” or the “language” didn’t work! It actually worked perfectly.

Let me give you an example. For a long time I had a goal statement that said, “Money comes to me frequently and easily from multiple sources in increasing quantities on a continual basis. People want my products; God helps his children through me.”

After about a year of this I realized that the part, “People want my products” is exactly what I was getting. Thousands of people wanting something I have doesn’t exactly translate into revenue.

That’s when I changed my statement to more accurately reflect my true desire: “People buy my products; God helps his children through me.”

See the difference? It’s a language thing.

We communicate our desires and receive what we ask for. “Ask and ye shall receive” is a true principle. But this language of faith that we are trying to learn comes from a culture that is part of our divine nature, but something we have temporarily forgotten.

In God’s world, when we ask for increased faith, He doesn’t necessarily give us faith, but opportunity to exercise our faith. When we ask for financial freedom, He doesn’t give us piles of money but opportunity to develop a growing income.

The more fluent we become in the language of faith, the more peacefully we will grow toward accomplishing all we desire.

As explained in The Jackrabbit Factor, that is why a person who sets a goal to lose weight can very easily end up with more pounds than where they began. It is also why a person who focuses so much on getting out of debt may very well end up with more debt than they ever expected.

(Read The Jackrabbit Factor for a deeper explanation on this topic.)

We learn the language of intention one concept at a time.

On a side note: For our Spanish readers, we had my Jackrabbit Factor book professionally translated, but in order to give them a place to retrieve it, I once quickly created a special web page just for them. Instead of waiting for the completion of the professional translation, I used the Altavista Babelfish online translation tool, and did my best.

If you don’t speak Spanish, here’s an example of the lingual mess I created:

What I meant to say: “Don’t worry, the book was translated professionally. We’re sorry for the translation errors on this webpage!”

What it actually said: “No se preocupe, este libro fue traducido al español profesionalmente. ¡Estamos apesadumbrados para los errores de la traducción en este Web page!”

What it meant: “One does not worry, this book was translated the Spanish professionally. We are grieved for the errors of the translation in this Web page!”

Even better than that, here were a few of my glowing testimonials. Wouldn’t these comments make YOU want to read my book? (LOL)

“Within a pair of weeks I received the promotion to the director and an important increase of the pay… To Harper”

“I tripled to my retired rent and my husband of its work of the day… To say the information is to change of the life would be an underestimation! Thanks! – Marnie”

“… we will double really to our rent the east next year. Thanks, Leslie, to share these principles… CREALMENTE WORK! What excites more to me, is than there is no limit to which we can reach in the future! Thanks again! It smooths H”

Alas, I was grieved for the “errors of the translation.” Ultimately they were all corrected (I’m pretty sure, at least).

Click here to give the gift of The Jackrabbit Factor to your Spanish-speaking friends in their own language.

An underdeveloped understanding of Spanish may be enough to get me to the bathroom in a Mexican restaurant south of the border, but it may not help me when I need to navigate my way through town in search of a post office.

Likewise, an underdeveloped understanding of the principles of prosperity may help you accomplish something on one level, but a continued study of the “language” and practicing it often is what may be required to re-invent the most significant aspects of your life.

Keep learning, keep studying, and keep practicing!  You’ll get there!


About Bouncing Back from the Real Estate Crash

lossesI received a tender email recently from one of my readers. Some stories I hear are very sacred and I have to be careful and respectful about what is made public, but through this one, I want you to see that answers to prayer are very real. It’s my hope that by sharing this, you can feel increased hope and faith that your prayers can be answered too.

She wrote:

“We experienced some huge financial losses with the real estate crash. We were left with about $1 million of debt to family and friends who were in secondary loan positions on a failed real estate project. I have received several [impressions] over the last 10 years… that we would help people throughout the world financially. It seems like we’ve been headed in the opposite direction of [that promise].

“About 30 days ago I started asking different questions of Heavenly Father. I asked Him to teach me the laws of abundance and to show me what I needed to do in our real estate business and in our other business to have the wealth that He promised. Within days I was led to the Jackrabbit Factor and Hidden Treasures. I see now that they were brought to me as a direct answer to my prayers. Even as I write this, the Spirit is testifying with so much power in my heart that He led me to these principles as a result of my asking.

“I cannot thank you enough for being a vessel for Him to teach me and thousands of others these principles. I can see that Heavenly Father desires to bless us so much more than we even begin to recognize. The power of asking and the power of gratitude is so amazing! Last week Heavenly Father told me to begin a gratitude journal. He told me to write 10 things in the morning and 10 things at night. That has blessed me so amazingly! I find myself overwhelmed with gratitude. I am beginning to see the power of gratitude in receiving the abundance that is all around us.

“About 10 days ago I told Heavenly Father that we needed $5000 as soon as possible. I wrote it down in my journal and I asked Him what I needed to do to receive it. The impression came that I needed to follow the laws of thought that you have taught me. I thought the money would come a certain way and it didn’t.

“About a week later a woman called from a postcard we sent out that said we wanted to buy her house. She said that her mother had died 18 months ago and she just wanted to walk away from the house owing nothing. We figured it out and it needed about $7000 of fix up and we would make about $18,000 profit. I told my husband that I was going to borrow $12,000 on the house, $7k for the fix up and $5k for profit taken up front. He agreed that that was a good idea.

“I bought the house the day after we first saw it with zero out-of-pocket. She signed over the house and just let us take over the payments. We borrowed the $12,000 the day after that. The morning that I received the $12,000 I was looking at my journal and saw where I had written the $5000 goal. The Spirit witnessed to me that this deal that we had just done was a direct result or answer to my plea for $5000. I never thought that the $5000 would come from this source but He showed me that I don’t have to know how it’s going to come, just that it will come.

“Thank you again so very very very much for generously sharing the things you learned.”

This is why I share my books for free. If you haven’t read them yet, you can request them here: The Jackrabbit Factor: Why You Can and Hidden Treasures: Heaven’s Astonishing Help with Your Money Matters.


The Plugphones Story and the Jackrabbit Factor

One of my readers recently shared a success story that I would like to share with you. She gives the background behind her husband’s experience as the founder of Plugfones (see image below). I’m impressed with how raw, real and down to earth their story is, and I believe many people will relate.

Plugfones-banner_1I’ll copy their story below:

Our story of the past several years is quite long; maybe too long for most people to want to read. So here is the short of it.

Following some nefarious advice we had borrowed huge sums of money and invested it hoping to make a nice return which was supposed to cover the debt payments and our standard of living. It all went down the drain in the market crash of ’08. We lost our home, our rental properties, our vehicles, and a couple businesses and incurred mountains of debt Just before we lost our home to foreclosure I used a bit of credit we had left on a card and I purchased Leslie Householder’s FTMF course. I figured we were going down anyway – why not get a little education out of it. Little did my husband know at the time that I was sharing with him the things I was learning from Leslie’s course. Even as we concluded that we couldn’t keep our home we were employing the Principles I was learning. Our mindset made all the difference to us having PEACE through this journey, even when losing everything we had!

We had no money, no job, and a hernia surgery we had no way to pay for. We had little of our food storage left. I would stay up all Friday night to bake bread and then sell it at the farmers market on Saturday using the wheat we did have in order to supplement what we ate. Shaun adopted a new diet plan: eat every other day.

Through Diving Providence Shaun was led to a job working at a glass factory. We acknowledged each and every blessing no matter how great or small and I learned through the FTMF course how to be grateful for ALL things including our struggles. We were blessed to greatly and in so many ways – a topic that could take its own volume to cover.

It was while Shaun was working at the glass factory – in fact, I think just barely a day or two into the job, that Shaun started looking for earplugs that worked as earphones and could not find any. So he devised a way to create his own. (The solution to every problem is only an idea away!)

I remember how we struggled to come up with the $300 we needed for supplies. It was all we could do to muster up the money and I”m sure we over drafted the checking account.

Within a short time Shaun had created a very basic website and had started selling his creation. was born. We had no idea where it would go – all we knew was that within a few months we were supplementing our income from it.

Shaun would work as much over the time as he could get, often working swing or graveyard, and when he got home he would sit in the corner of the bedroom jimmy rigging these things together. The business continued to grow. Eventually we were able to move the the very cramped duplex we were renting to a home that fit our needs better and was closer to Shaun’s work.

This is where we were living when I received a scholarship to attend Mentor Training. I took all the money I had made from my blog/website ( and from selling bread on the corner and to neighbors to be able to pay for travel expenses. I took the things I learned at the training to help Shaun update his website and to help our family continue thinking properly.

Eventually Shaun was working so much he was exhausted – truly he couldn’t do any more himself… so our boys started working with him. Pretty soon he had brought his cousin on board to take over Amazon sales.

All this time I was teaching our family about the Principles. We were using them daily. When we got discouraged or overwhelmed I would rely on them to get us through. When I went through 2 difficult miscarriages back to back I was using these truths to get me through. These experiences were tough – and they made us stronger, bound us together, helped us to be more grateful, brought us closer to God.

The business started to pay more than the glass factory and soon Shaun had to quit in order to keep up. Then, when Shaun needed the full time help, we were able to rent a REALLY nice home closer to Shaun’s cousin.

After a year and the birth of our 7th child we moved again; this time renting an even NICER home. Shaun brought on even more help.

We are still working to pay back all of our debts a piece at a time. But ever since we lost our home we have been living on a cash basis – no more debt incurred since then. No house payment, no car payment. We rent our home and pay cash for everything. Shaun’s business brings in more money in one month than we used to make in a year, working several jobs, by at least double! Of course, there are expenses and only a portion of that is ours but just the idea of it is totally wild! SERIOUSLY – this has been one very fun and very amazing journey.

So yes, it took me over 4 years to finish my FTMF course. Because of the things I’ve learned and the person I am becoming because of the principles Leslie teaches I wouldn’t trade my knowledge and experience for anything! The knowledge is like night and day to us! I can testify that ignorance is not bliss!

I know that there were and are great sacrifices made on the part of Leslie and her family to create these materials to help others. It brings me to tears to think about what they have been through in order for me to have received the blessing that made this crazy journey possible.

The mindset tools Leslie teaches are the key to our success. What is success? Learning to be happy today, whether we are brown bagging it or catching rabbits. That means that we could lose it all and still be happy. Knowing HOW to think means we could start over. We don’t have to cower in fear of something “bad” happening. We know that even though we might have gone hungry sometimes it didn’t kill us. We learned that there is always a way and the joy is in the journey. Thank you Leslie and Family!!! God bless you!!! – Linda Knudsen

A note from her husband Shaun:

My business is flourishing and I don’t know how big we will get but I do know this, I have proven myself and the principles I learned from the Jack Rabbit Factor. I have what it takes to succeed and even if things go south someday, I know I can build it again. This knowledge gives me a confidence and freedom unexplainable to anyone who hasn’t felt it. Thank you, Leslie!

To learn about the principles Linda and Shaun talked about, begin with the FREE Jackrabbit Factor ebook, or take your understanding to the next level through the FTMF homestudy program.

I want to hear YOUR story, too! If you have an inspirational story that illustrates how you have used the principles from my books or programs, let me know. I’d love to consider sharing your story in a future blog post!


When Your Purpose is Clear

It’s been on the to-do list for half a decade and I’m finally getting some of it knocked out… making shorter clips of some of my events so that they can be used as quick reminders of the principles.

Here’s one I recently posted on YouTube and Facebook, and I thought it would be good to include it here, so that I can also add some clarification afterward:

The event was more than 2 hours long, so a 2-minute snippet will understandably miss some clarifications. Here are a few that I want to make sure are noted, in case you don’t get a chance to see the whole thing:

  1. Just because you’re on the right track, and just because you have unseen help, it doesn’t mean that it won’t be difficult.
  2. The fact is, living your purpose will stretch you and test your faith. But knowing that you have unseen help can help you hold on and keep moving forward until you ultimately meet with success.
  3. ‘Soul purpose’ means whatever it is that you are focused on right now, specifically something meaningful to your soul. At times it may also be your ‘sole’ purpose.
  4. It will likely evolve throughout your life. Today’s objective may give way to something that is more meaningful to you tomorrow, because as you learn and grow, you become more fully prepared to accomplish the next thing you were put here to do.

(For example, 20 years ago my ‘soul purpose’ was to help struggling math students. It was my passion, my purpose, my love. It taught me to love teaching. 10 years ago it was to help struggling families with their income by teaching them success principles. Today, it is a combination of both, raising my kids and preparing them for college and life. )

Learn more about the books mentioned in the clip:

If you want to learn the formula for making money with something you’re passionate about, watch the full-length video here:


Marketing Strategies that Work (and save you time!)

Internet Marketing Strategies That Work

For those of you who have wondered how I built a business that runs itself and keeps paying me every month even when I’m not working, I’ve rounded up two excellent (and free) ebooks that will help you apply two of the most important pieces to your own business.

Click below to get your free ebooks from Infusionsoft: the all-in-one automated sales and marketing system that I use and LOVE:

1) 7 Steps to a Complete Small Business Sales and Marketing Plan

For many small business owners, the day-to-day demands of their business distract from bigger picture growth goals. Tasks like “call this customer” and “email that estimate” take attention away from the strategies that can help your business thrive.

This guide, created with the input of thousands of successful entrepreneurs, will help small businesses just like yours discover how to build a complete sales and marketing plan that will help you attract new leads, convert more of them into customers, build a booming referral business and save you massive amounts of time.

In this step-by-step guide, you’ll learn seven successful strategies for:

  • Capturing, nurturing and converting leads
  • Increasing conversions with highly targeted communications
  • Saving time and money with marketing automation
  • Creating lifelong fans that advocate for your brand

Click here to get your FREE ebook: 7 Steps to a Complete Small Business Sales & Marketing Plan

2) The Anatomy of an Email

What makes an email successful? Much like the human body, it’s the sum of many parts working together seamlessly. And to get the best results from your emails, you first have to understand the how to make each part strong.

Email marketing consultant DJ Waldow will break down each part of an email from head to toe – or rather, from header to footer – and show you how to craft emails that get results.

DJ has spent years immersed in the world of emails and wants to share it with you in this free e-book download. You’ll learn:

  • Nine key components of every email
  • Pros and cons of different types of subject lines
  • How to create strong calls to action, including secondary and tertiary
  • How to grow your social network through email

Click HERE to get your free ebook: The Anatomy of an Email


Celebrating 10 Years

(Continued from “Who is Leslie Householder?“…)

But along with all the UPs of this journey, I’ve also had my fair share of DOWNs, disappointments, frustrations, and defeat. I hit brick walls, I get mad, sometimes I just want to hide under my covers for days at a time.

Over and over I’m tested on what I know to be true, and over and over (after a period of maddening trials and doubts), it proves itself true all over again.

One day I hope that I will have learned it so well that I don’t have to keep going through the refiners fire under increasing levels of heat. Maybe one day my Maker will be able to look at the work in progress that I am and finally say, “It is finished.”

One thing that has helped me pick myself up, dust myself off, and start all over again, is to go back through the materials I created ten years ago when I was just plain excited and invincible, and when I was applying the principles with untarnished enthusiasm and expectation. I still believed that the principles were simple, so the process should of course be easy, too.

With that childlike faith and ambition, the success pretty much came predictably, and it was my excitement that carried me to it.

But then the challenges began to grow tougher. That innocent faith had to be coupled with grit and dogged determination.

And then just this year, I began to unearth some of the trainings I created in the early days, and began to listen to them again. Some of them I had completely forgotten about, but in a beautiful way, the older, more tired me began to re-learn some important principles from the younger version of myself.

It awakened some things in me and restored my faith in the process. It restored my faith in myself, and in the Lord who helps me.

I found the strength to start dreaming again; and inspired by what I was re-learning, I decided that for the 10-YEAR ANNIVERSARY of my business, I would make all of those trainings available to anyone else who needs a lift…

For the 10-year anniversary of ThoughtsAlive – (we’re so clever…) it’s just 10 dollars!

For less than the cost of eating out once a month, it will give you the regular diet of mind-food that will pick YOU back up, dust YOU off, and help you START ALL OVER AGAIN, too.

In my life now, the hope, the vision, and the expectation for good things is flowing again. And as a result, so are the blessings.

So join me on this journey of reawakening those long-since buried dreams. As the poem says, rest if you must (like I did), but do not quit.

When things go wrong, as they sometimes will,
When the road you’re trudging seems all uphill,
When the funds are low and the debts are high,
And you want to smile, but you have to sigh,
When care is pressing you down a bit-
Rest if you must, but don’t you quit.

Life is queer with its twists and turns,
As every one of us sometimes learns,
And many a fellow turns about
When he might have won had he stuck it out.
Don’t give up though the pace seems slow –
You may succeed with another blow.

Often the goal is nearer than
It seems to a faint and faltering man;
Often the struggler has given up
When he might have captured the victor’s cup;
And he learned too late when the night came down,
How close he was to the golden crown.

Success is failure turned inside out –
The silver tint in the clouds of doubt,
And you never can tell how close you are,
It might be near when it seems afar;
So stick to the fight when you’re hardest hit –
It’s when things seem worst that you must not quit.

So let’s stay on the right track now together.

You’ll find that we, as human beings, tend to make things more complicated than they need to be. Wake up again. Come see what I mean…

Learn More HERE


Who is Leslie Householder, and what is the [47tips] Newsletter all about?

who I am and what this is all about…

If you received an email from me and can’t remember how you got on my list, let me help job your memory.

You are probably on my list because you requested one of my free downloads. This post is to help you remember who I am (and why you’d want to stay subscribed ~wink~).

When I had that tiny inkling to do something to help people experience a life-changing breakthrough like we had experienced in 2000, I had no idea the magnitude of what the project would become. This blog is just one little piece of it.

It also turned into 3 international best-sellers, and countless trainings and workshops that have been changing lives all over the world. It also became:

(If you’re reading this post, then you probably visited one of those pages above and requested a free download. Each of my download pages explains that a subscription to the [47tips] newsletter will be included, and that it is easily canceled at any time.)

Yet, in reality, I know it’s still only just the beginning.

But with the simple intention to wake people up, shake up their paradigms, and show them how great and powerful a simple thought can be, this work has made an impact on the planet for more than a decade, and will continue to ripple down into generations to come.

Mothers who wanted to be home from work, have come home. Fathers who wanted to provide more abundantly for their families are doing that. Single folks are rocking and rolling with it, too.

(Did you hear about Ben Southall who won the World’s Best Job out of 34,000 applicants because of what he learned from The Jackrabbit Factor?)

But along with all the UPs of this journey, I’ve also had my fair share of DOWNs, disappointments, frustrations, and defeat.  I hit brick walls, I get mad, sometimes I just want to hide under my covers for days at a time.

Read the rest of this article HERE