Category Archives: Day-To-Day

My Top 12 BINAURAL BEATS on YouTube | Background Music for Meditation, Healing and Sleep

Top picks for BINAURAL BEATS on YouTube

Using BINAURAL BEATS is excellent background music for Success, Meditation, Healing and Sleep. I use this Financial Freedom Tool to give my brain benefits, plus I don’t get distracted. I’m growing while working – talk about multi-tasking this win-win!

Binaural Beats have been known to heal and help people with everything from insomnia, migraines, low energy, meditation, fatigue, relaxation, motivation and the list goes on.
– YouTube Channel “Binaural Beats Sounds”


You can read more about how binaural beats work below the videos

12 BINAURAL BEATS for success, meditation, sleep, weight loss, concentration, studying and more!

Selections from YouTube ranked by view count as of 2/8/18

Click here for my YouTube
playlist of Binaural Beats

 Happiness – 6.9 million views

Accelerator – 3.6 million views

Memory – 3.1 million views

Studying – 2.7 million views

Abundance – 2.4 million views

Healing – 2.3 million views

Cleanse Self-Doubt – 2.1 million views

Sleep – 1.6 million views

Success – 767,000 views

Money – 737,000 views

Weight Loss – 151,000 views

Instant Headache & Sinus Relief – 40,000


Click here for my YouTube
playlist of Binaural Beats


If you’d like to learn more, I highly suggest checking out this website. They have some great information and images explaining Binaural Beats.

Binaural beats work by sending two different sounds into each ear. The blend makes a new frequency that has a different effect

Binaural Beats have been known to heal and help people with everything from insomnia, migraines, low energy, meditation, fatigue, relaxation, motivation and the list goes on.
– YouTube Channel “Binaural Beats Sounds”

Sending you warmest aloha and hope you find benefit from using binaural beats, too. I would appreciate your feedback and share any binaural beats recommendations you have

Click Here for my YouTube
Playlist of these Binaural Beats

I know this blog post is meant to be read by people like you and touch something exciting inside you. Hope! The hope of fullfilling wildest dreams and doing it now. Connect with Lauren’s Financial Freedom Journey to support you achieving your financial freedom and enjoying peace of mind and happiness in your relationship with yourself, your people and your world.

About Lauren’s Financial Freedom Journey

Aloha! I’m Lauren and I’m super excited you’re reading this about me section. If you are, chances are it’s because this is the first time you’re visiting my website. So warmest aloha and welcome!

Jumping for Joy on a Sunrise Hike near Home

The purpose of my journey is to teach people how to build businesses that last, create freedom (time, financial and peace of mind) and do good in our world for generations

My dream is to reside in Kauai on my fully paid for, secluded oceanfront acres in my dream house, enjoying the lifestyle of a financially free millionaire. I teach billions of people to create their own peace of mind and financial freedom. An entrepreneur since 20, I sold my first company and moved to Hawaii to be happy and fulfill my purpose. I give gratitude every day I am living Lauren’s Financial Freedom Journey.

Rapidly Progress on your own

Financial Freedom Journey

by Learning More and

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Greeting the Sunrise and How to Use Gratitude for Peace of Mind

Greeting the sunrise has become an important part of my peace of mind routine


One of my usual sunrise spots in Kauai

My Sunrise Gratitude Moment

  • Find unobstructed sunrise spot and get camera ready
  • Welcome the first rays with joy and sometimes singing, “Oh, what a beautiful morning! Oh, what a beautiful day! I’ve got a beautiful feeling everything’s going my way!”  
  • Close my eyes and feel the sun on my skin
  • Think about how grateful I am for the upcoming day

I didn’t know I even cared about sunrises until I moved to Kauai. Over the past 2 years I’ve really made it a point to greet the sunrise on school mornings and in doing so I’ve experienced so many amazing moments! This positive side effect of bus duty is being out and about in time to watch the sunrise on school mornings.

Sharing my sunrise and gratitude moment

I’ve developed my sunrise habit and I enjoy it so much I’ll do it anyway wherever I am. I see that sun and smile and feel so grateful. This practice has definitely has helped my peace of mind so much I’ve added it to my Inner Bank and I get paid $100 each time I take a moment to catch a sunrise or sunset. The sun has become a great reminder to give thanks and I glow with gratitude each time

A glorious sunrise near home

The more mindful I am of my self-talk, the greater my peace of mind

I naturally get up earlier now because of my desire to catch the sunrise. Somehow starting the day early makes me feel better. I definitely enjoy sleeping past 10am although when I do that on a regular basis I feel unproductive and shameful like I wasted my day. Am I unproductive though and why do I feel so guilty sleeping in?  What does being unproductive mean about me? In my world, the belief says if I’m unproductive then I’m bad and never going to reach my goals. Since I don’t have my end goal I can never stop being productive. Ouch!

I love taking sunrise and sunset photos!

Believing I constantly having to be productive and successful is something I am still wrestling with

Since I currently don’t have my big goal of living in my dream house manifested, am I unsuccessful? At what stage of this journey will I finally feel I am “getting there” or see huge results? My self-belief is that I have to work constantly because I don’t have what I say I want. I became aware yesterday that this “I have to be productive” belief is causing me to be nervous which is the source of my anxiety. Ah ha! So yesterday I treated my anxiety using BSFF and got it down from a level 8 to a 5. Pretty awesome step.

Sunrise is different every morning

My internal beliefs and dialogs definitely shape my inner world and then create my outer one

I have practiced and become much more conscious of my self-talk. I discovered my thoughts were harsh and I constantly condemned myself. No wonder I always felt bad and guilty inside even when my outside world was going great. Now I speak kinder to myself and give love rather than scold as a nasty disciplinarian. Wow, I’m so grateful for that change! 

Woke up early camping to catch this sunrise

The experts with Law of Attraction emphasize relaxing and knowing, that you don’t “have to do anything” and inspired actions come from faith

The abundant wave of success, that is what I want. And as long as I keep wanting it then it remains in the wanting stage and not being received. Oh, joy. Faith is the inspired action steps I take and those steps are always joyous and knowing. Like this blog post, I switched my vibe (I find cannabis helps me with that). Then bam, my negativity lifted and I started writing this post with inspired action. And I’m happy with how it’s evolving!

River sunrise while kayaking

Once inspired action takes over then life is a breeze

Inspired action is also when you get clear. I operate from a place of knowing and everything is happy. You know that “in the zone” feeling? I find the more I trust myself and listen to my feelings that I get clear and expect what I want is coming and that inspired action flows.

Follow Lauren’s Financial Freedom Journey on Facebook or Instagram and catch Lauren’s LIVE videos of her sunrise gratitude moments!

I know this blog post is meant to be read by people like you and touch something exciting inside you. Hope! The hope of living beyond your wildest dreams and doing it now. Lauren’s Financial Freedom Journey is here to support you achieving your financial freedom and enjoying peace of mind and happiness in your relationship with yourself, your people and your world.

Rapidly Progress on Your Own
Financial Freedom Journey
Learn More Now

About Lauren’s Financial Freedom Journey

Aloha! I’m Lauren and I’m super excited you’re reading this about me section. If you are, chances are it’s because this is the first time you’re visiting my website. So warmest aloha and welcome!

Jumping for Joy on a Sunrise Hike near Home

The purpose of my journey is to teach people how to build businesses that last, create freedom (time, financial and peace of mind) and do good in our world for generations

My dream is to reside in Kauai on my fully paid for, secluded oceanfront acres in my dream house, enjoying the lifestyle of a financially free millionaire. I teach billions of people to create their own peace of mind and financial freedom. An entrepreneur since 20, I sold my first company and moved to Hawaii to be happy and fulfill my purpose. I give gratitude every day I am living Lauren’s Financial Freedom Journey.

Rapidly Progress on Your Own
Financial Freedom Journey
Learn More Now





Overcoming Fear: How I am striving to not make fear based decisions

I was scared and risked it anyway

These past 2 weeks have been full of changes. I took a big risk, followed my bliss and closed down my property management business after almost 3 years. I created that management business handling about $20,000 in vacation rentals. I outsourced myself and put a team in place and been pretty much out of the day-to-day operations for about a year. Pretty cool accomplishment especially considering it was a business I was never passionate about. I have been extremely grateful this business allowed me to live for free in Hawaii (aka I made about enough to pay the rent for a 3 bedroom house for my family) so I stuck it out all the while dreading it.

I am so grateful this business provided for us living in Kauai

At the beginning of January, I fired my biggest client and it felt great! What a win! I took that risk to feel better and not cling to an account because of money-motivated fear. I spent January feeling good to be done with it yet still apprehensive of losing all that income. Well right at the end of the month, my second biggest account unexpectedly folded. I was in the short term vacation rental business and the owner just received an official notice he had to stop because the property wasn’t zoned for it. This was the text I’d been expecting and dreading for years, the source of so much anxiety because I knew this business wasn’t stable.

Now I’m losing about 75% of my income brought in from these 2 accounts. What is my step next? Over the next few days I thought and thought choose to not let fear win. I didn’t want to keep doing something that I didn’t want to it just because I was scared of not having enough money. Property management is not my bliss and will never be. So I made the choice to stop managing all accounts, even the legal, thriving ones.

So… now it’s a new week with a new start. I really really really want to support myself and thrive from this blog. I want myself and my writings to be enough. I have seen this vision since 2013 and now I need it to be fulfilled. I can do it and I can trust it works. Everything I need is here and the universe can conspire and deliver it to me because I believe it does.

Back to my original title and not making fear-based decisions. Actions spawned in fear will not produce the abundance I’m seeking. Instead, I must “act as if” and I am thinking through choices from an abundance mentality, or at least striving to! I take a big step back and remind myself that I’ve got this!

There’s a lot of stuff buzzing around my head. I have been wanting to travel although a huge part of me is scared that I’m running from homelessness. The fear-based part of me is so scared to give up my house here and feel like there’s not another option. Well, it’s true that I don’t want to stay living in my exact house. I also am not really interested in finding another house to rent on Kauai. I am tired of renting. I want to live on my own land. And that’s when my fear pops up big time.

I want to live in my house now! It’s almost 6 months overdue!

I do not have the ability in this moment to have what I want. (Eeep, even thinking those words hurt bc I know it’s not true. I can create anything, NOW!) I want to live on my Hawaiian estate right now and build my dream house. I don’t want to travel now. I want to be living on my land. I already know the property I want. And I also know I don’t want a mortgage, ever. I always own my assets and in debt to no one. However, I don’t have a hundred million dollars in cash right now to buy my property. So…fear sets me running! What is my next move?

I don’t have the life I want right now so I’m in limbo to create it. Do I create it on Kauai – the idea of scrambling to earn enough income to pay rent each month isn’t appetizing. I really don’t want to take a JOB just to be able to keep living in a house I’m not thrilled with the landlord upstairs monitoring our every move: did we break his garbage rules, no pets or loud noises and I’m constantly afraid of him coming down to scold me – it’s like living with my dad! (No offense Daddy!)

The idea of not living here at my current place thrills me tho where are we going next scares me! My “I can’t afford it” pops up and really freaks me out. We can keep living here bc it’s safe and not that bad. Traveling? Isn’t that an excuse and distraction to avoid getting a place and also fleeing from being homeless. Eep, that’s some scary thoughts. So to bring them back I started switching to a positive abundance mentality. And it brings me back to blogging!

Here’s what I journaled this morning and my fear-based thought process surrounding my daughter’s schooling

At the end of this entry, I did some BSFF treatment for negative feelings about money. And then my writing started getting goofy. I couldn’t form the words right. This happens occasionally sometimes in writing or technology where it just won’t work. So I have learned not to force it and just come back later. So I left my writing there and made this post.

Fear is not fun. It’s the opposite of love. Fear and love, same energy just the polarity of one another. So by listening to the fear I can switch it to love what I’m feeling just by recognizing it’s there. I am fearful of traveling and not bringing in abundant new income. Yet I am not going to make my actions reflect that. I am going to act as if I already have all the money in my account and move forward know I am always taken care of. I KNOW that I will be much happier than staying stagnant where I’m at now and that is how I conquer fear one thought at a time.

Nexplanon Reviews of 3 year birth control implant in the arm – Should I Get It to Prevent Pregnancy?

Nexplanon, an arm implant birth control that’s good for 3 years – too good to be true?

My new doctor – who I love by the way – recommended I have my teen use Nexplanon, an implant birth control that lasts 3 years. She said it’s the best birth control option around, especially for teens, rather than an IUD or other birth control contraceptive methods. And it’s fully covered by insurance!

Wow, if Amanda gets Nexplanon then in 3 years she’ll be 18 so we will have successfully circumnavigated teen pregnancy! Every parent’s dream, yes? Having her get this implant is definitely for my peace of mind though also I feel it’s in her best interest, too. Then this discussion got me rethinking my birth control methods and wondering if getting the Nexplanon implant would be good for me as well.

Nexplanon implant at the doctor’s office. You can feel what the sample is like in your arm too

Well, I made an appointment with the doctor to get the procedure and told Amanda.  She perked up at the idea of watching me get the injection – oh geez! I figured at least she’s interested and she wanted to read more about it and got the pamphlet. Hearing her read about it, my fear of medical procedures and needles started to rise and my body started spazzing – yep, my normal reaction just thinking of that stuff. Do I really want to go through with this?

Amanda noticed the pamphlet was fat and hard and found a paper folded inside. Here contained all the side effects and the negative stuff all tucked inside. When Amanda held it up this thing was huge!

Nexplanon Pamphlet Insert

This insert lists the drug facts and side effects and even includes the release waiver to sign. I read this giant Nexplanon insert and learned…

  • Less than 1 pregnancy in 100 in the first year (booklet doesn’t mention subsequent years except being effective for 3 years)
  •  _
  • Common side effects are irregular bleeding, weight gain, mood swings, headaches, acne and depression
  • _
  • Stops eggs from ovulating and thickens the uterus, not mucus and lining and does not contain estrogen like the pill does
  • _
  • May have insertion complications and even “float away” in the arm

I talked to my doctor about these side effects

She’s personally done over 1,000 implants and removed about 20 from women who didn’t like it. The majority was from having irregular periods, one because she claimed made her gain weight, and one for depression. As far as the pamphlet only citing studies for one year, my doctor attended a workshop and learned it’s effective for 3.5 years and possibly even longer.

Here are a few pictures from the pamphlet


The implantation and removal experience is my biggest negative when considering getting this birth control

Typically I am extremely distressed by medical procedures. Even discussing it at the doctor’s office has me curled up in a ball. Yes, I’m dramatic in those situations although it occurred to me that I now have a tool to remove this fear of shots.

I’m going to use my “Be Set Free Fast” technique to treat my fear of needles and medical procedures. So far with one BSFF treatment, I took my distress down a few degrees. “If I can cure that fear then I’m good to go right?”

Well…now I kinda circle back around to my original thought, “What are the risks and effectiveness? It this worth it? And if so, then do I care? Isn’t it worth the peace of mind to not have to worry about pregnancy for three years?” At least I’ll be thoroughly informed …especially if it’s something I want my daughter to do, too. So I’ve continued my research while still keeping my appointment.

UPDATE 2/1/18

I mentioned to Amanda was a birth control shot the doctor said helps acne, which was the primary reason both of us are on the pill. Amanda enjoys shots tho said she didn’t want this one and preferred “knowing” she was taking a pill. Well, even though she claims she’s not sexually active, the idea of pregnancy for her or myself scares me more. I decided it was something I wanted for the both of us for my peace of mind for the next few years. Whew!

UPDATE 2/4/18

After reading and compiling this post, on now thinking this is not something I want to do. The side effects gross me out and I am already very conscientious on my current birth control method. I’m thinking I’ll cancel the appointment tho I’m seeing my doctor via Kids next week so I’m going to discuss more thoroughly with her. And since my teen is claiming she’s not sexually active and wants to remain on the pill, I won’t push for Nextplanon yet. Though once she is then I’d prefer she’s on the long-term option of Nexplanon for her to not allow any human error resulting in pregnancy!

UPDATE 2/6/18

I’m considering extended travel plans internationally this year and realize this implant might be a much better option. Being on the go definitely means it’s harder to stay consistent taking my pill at the same time and even receiving my monthly prescription. Lots to consider!

UPDATE: 2/9/18

Went to the doctor’s office yesterday for Amanda’s routine checkup. I talked with my doctor more about Nexplanon. We discussed the side effects more and got to touch the sample. I’ve definitely wigging out over the implant, I will be numbed though so won’t feel it. I think I’m going to go ahead with it on my March 1 appointment. Amanda’s considering getting it, too.

I’m thinking I will go with more an even more permanent and effective birth control than remaining on the pill

The Nexplanon “pro list” sounds great although the “con list” is not good. Just reading this pamphlet is talking me out of using it. Has any reader had personal experience using Nexplanon or know women who have? My implantation appointment is in 30 days on March 1 so will I choose to proceed with this Nexplanon insert?

Even the 99.9% effectiveness of the pill still allows for my human error of taking it each day. And an unplanned pregnancy is 100% not something I want to chance on my financial freedom journey! The choice is mine and this is my life to create my way 🙂


I know this blog post is meant to be read by people like you and touch something exciting inside you. Hope! The hope of fulfilling your wildest dreams and doing it now. Connect with Lauren’s Financial Freedom Journey to support you achieving your financial freedom and enjoying peace of mind and happiness in your relationship with yourself, your people and your world.


About Lauren’s Financial Freedom Journey

Aloha! I’m Lauren and I’m super excited you’re reading this about me section. If you are, chances are it’s because this is the first time you’re visiting my website. So warmest aloha and welcome!

Jumping for Joy on a Sunrise Hike near Home

The purpose of my journey is to teach people how to build businesses that last, create freedom (time, financial and peace of mind) and do good in our world for generations

My dream is to reside in Kauai on my fully paid for, secluded oceanfront acres in my dream house, enjoying the lifestyle of a financially free millionaire. I teach billions of people to create their own peace of mind and financial freedom. An entrepreneur since 20, I sold my first company and moved to Hawaii to be happy and fulfill my purpose. I give gratitude every day I am living Lauren’s Financial Freedom Journey.

The Things I Never Say on Lauren’s Financial Freedom Journey Blog

So there is so much that I want to say, that rumbles around in that incredible mind of mine, that I see inspiring and envision changing lives, and yet I don’t say these things.


So at this very moment, my older daughter just walked in. Ah, it’s always perfect timing. Seems like everytime I get settled “in the zone,” a kid pops in. Motherhood, there’s a lot that I’d like to say that I sure don’t or haven’t spoken of. A big reason is I have carried around this “I’m a fake mother” belief and it’s really not a kind one. It’s discredited my emotions and leads me down some dark paths.

Anyway, back to the now, she comes in and this time I give her my undivided, engaged listening. She’s coming to ask my advice I realize in the end. And I am soooo grateful I wasn’t acting burdened dealing with her or short, looking for an “out”,  so I can get back to work. (That would be this post in this case.) I am so proud of me that I was kind to her and also I did attract her there, I just didn’t appreciate the timing. Hey – guess what? I can now establish and be grateful that from now on my experience is that when the kids want my attention, I always feel grateful and react with love. Ooh, really going to hold onto this, react with love when kids enter. 🙂

Sooooo…. that was that kind of stuff I want to write about. I have it in my head and really want to feel uninhibited. Talking yesterday, I realized one of the biggest obstacles in saying what I want to has been that after writing on my blog for a year or more, I discovered my mom had read it. OMG, those feelings of shame and hiding me and my opinions to be this perfect child syndrome rose its head. Mom, I love you, though I am not at the stage to be able to hear your opinions on my website currently so please don’t tell me or anyone if you’re reading this. xoxo, it’s a parent-child thing and I want to be able to share my thoughts on here unfiltered while I’m overcoming this.

Ahh, another belief is what will others besides my mom think of me. I made up a lot in my head about what other parents think of me at my kid’s schools. “I am a bad parent because of this and this and this…” and if I share myself and my thoughts they’ll know. And of course, my kid reflects on me so they’ll be critical of her. I was raised hearing that a lot and it was a big weight worrying about how other people will judge me because of my kids. So there came tons of self-doubts over my kids’ behaviors, though wait, I am a fake parent so I don’t have to take full blame. I definitely let myself of the hook and didn’t care since I’m a fake afterall. Geez, these are some not nice beliefs I’ve carried around by myself. I am so, so grateful I am worked and evolved a lot of these self-limiting beliefs. I am proud of where I’ve come in being a good mom and working towards being a great one.

And another huge point of anxiety and hiding myself is my cannabis use. See I am a medical marijuana patient yet I have felt just extremely defensive and also self-doubting in those regards. As I have come into my own about it, I feel at my core there is something lacking inside me that this cannabis unlocks. And I HATE THAT! I don’t like feeling that way, subject to a micro-dose of weed every 1-2 hours. Yet I am inspired and writing this post because of my Blue Dream and that’s the way it’s working for me. I feel such a sense of lack that I am unable to get this spark of inspiration without it. Grrr, this internal tug of war is really not fun.

Looking back over my life, my monumental positive movements have all been under the spark. Someone shared with me how it’s a privilege to have cannabis and I have really taken that to heart. It is a special privilege and I protect my lifestyle and my weed. Does it serve me? Or rather do I serve it? This is a complicated issue and I really want to share more about it. Hopefully, by me being open, more people can see just how cannabis helps and positively changes the world 🙂 Regardless of my internal conflicts, I choose daily micro-doses of cannabis right now because I am more happier, productive and more loving towards the world when I’m under the influence. I am grateful I can use and I have also learned what works best for me and take weed breaks when I don’t want to use it. It’s great because there’s no withdrawals or anything. It’s natural wellbeing and listening to internal cues.

So parenthood, cannabis, and then sex. Those are three of the major taboos I have a lot to say and been fearful to share. Then there’s finances – the heart of this website right? Well, considering I feel broke and stuck as not a millionaire, it’s been hard to write about something when I feel like a fraud. Yet, man, it’s these limiting financial beliefs that are really still eating me alive. For years.

The picture I hold in my mind is of me living in abundance yet don’t have the opulence around me and screaming for it. It’s what I’ve been striving for since I heard of Financial Freedom and escaping the rat race at 15. I want it! And as long as I want it, I will always WANT IT. UGHHHHH. Thanks to Law of Attaction I have to BE, DO and then HAVE. I have done so many exercises and beliefs and studying yet I am still holding myself back. I’m screaming, “IT’S NOT FAIR, IT’S NOT FAIR, IT’S NOT FAIR!!!” I want to be living that life NOW!

I “know” what to do yet I am not doing enough of it and being all I can be. And I know that by my results. I am not living in my dream house built on over 12 acres on an oceanfront farm in Kauai by August 14, 2017. It’s January 8, 2018, and I am a hair away from not being able to pay rent. So who am I to tell anyone how to obtain financial freedom?!

4 years ago I started this blog. And I started it with belief. And conviction I would be living in my house and be a financially free millionaire by 30. And I missed that mark and yet I haven’t stopped reaching for that goal, knowing every minute of inspired action brings me closer. Yet been drowning in a lot of negativity. I got myself out of my self-prophesizing failures, so why can I not have the other prosperous ones I see as well? I feel it right now, it’s this tug of punishment, that I don’t deserve it. I have not done enough to get my house and farm, so then I desperately take action that is fruitless.

Ahh, the key is the inspired action in line with my goal and feeling good, and then that’s the feeling and the action that this one brings comes with weed. Ahh, this tug of war again. And now as I’m writing this deciding to publish these words I don’t dare say, I know it’s a turning point. Martin Luther King Jr, Jesus, Napoleon Hill, all the masters start talking at some point. This is mine. I am a leader and an extremely positive powerful one. I am stepping up and sharing and this is enough, for now! One small step for me, a giant leap for humankind.

What influence for a change am I bringing? Teaching people how to awaken the ways to create freedom and happiness in their life. Am I free and happy? Yes, I am and yet I am seeking to increase it every day – and I KNOW I have done this for many years. My monetary numbers and even my happiness levels may be low, though I have always been very clear and definite about where I am going. I am a  loving, giving financially free millionaire with multi-billion dollar companies and I have positively changed the world for generations through environment, animals and humans. Amen! Let’s get there now!

11 Tips How to Speak Better so People Listen from Great TED TalK

11 Ways to Become a Better Speaker

How to Speak so People Listen

Success Tips and Speech Patterns to Avoid
I Learned from a Great TED TalK

11 Tips for Successful Communication 

  1. Be Honest

  2. Be Authentic

  3. Be Accountable

  4. Be Kind

  5. Be Mindful

  6. Avoid Gossip

  7. Avoid Judging

  8. Avoid Negativity

  9. Avoid Complaining

  10. Avoid Excuses

  11. Avoid Lying

More Ideas I Learned from this Ted Talk  

Remember to HAIL others when communicating

By becoming more mindful and conscious of the way we speak, our communication is received better and we get more of what we want

6 patterns to avoid that cause people not to listen

By perfecting these speaking tools, people respond even better to your delivery 

Register, speaking from deep inside vs. nasally

Timbre, the way your voice feels, warm vs. cold

Prosody, singsong, monotone or questioning

Pace, speaking quickly or slowly

Pitch, high or low tone

Volume, really excited loud or soft attentive or broadcasting

Ninja Move: Warm Up Your Voice!

Wow, I had never thought of doing this before discussing something important. I think it out in my mind and get relaxed, though what an interesting concept of “warming up my instrument!”

Stand Up and Do Each Exercise 3x

  1. Arm Ups, Big Breath In and Sigh Out Deeply
  2. Lips “Baa Baa Baa”
  3. Motorboat sound, lip-vibrating “Brrr”
  4. Laa Laa Laa Laa
  5. Roll an R
  6. Siren “Weeeeeeoooooohhhhhhhhh”

It was fun to get warmed up and learn great tools!
Now go and speak dreams into reality 🙂

Here is the original Ted Talk by Julian Treasure that inspired this post

Lauren’s Financial Freedom Journey shares financial freedom tips, personal growth exercises and best practices creating business automation and freedom today.

For more Financial Freedom Tools, Click Here

Mining at Salt Pond Beach in Hanapepe, Kauai | Fun Things to Do in Kauai

Watching Hawaiian Salt
being made at the Beach!

On my way to go snorkeling today at Salt Pond Beach, I saw them mining the salt. I love this beach close to home and was excited to find out more about the mining here. Sometimes I see people working out there, but today was different. There were buckets out and it looked like it was harvesting day – I was right!

Here’s some history about the Hawaiian salt making at Salt Pond in Hanapepe, Kauai – I learned a lot about these 26 Hawaiian families who still mine as their ancestors did!

I realized it had been almost a month since I had been snorkeling at this amazing beach 1.5 miles from home. My “inner child” was asking to go play so I honored a playdate. I’m so glad because I had a blast seeing some amazing creatures while snorkeling. There were tons of fish today like puffers and a trumpet fish. The highlight was a huge grey crab with big red spots.  The salt mining was an awesome bonus!


How to Request an IRS Payment Plan Installment Agreement to Avoid Levy or Seize Property

Helpful Links for Setting Up an
IRS Payment Plan

Part of my financial freedom journey left me owing back taxes.
Oh, joy. My 2012 was on a payment plan a few years back and then early in 2017 I started this process again. Here’s some valuable information I’ve gleamed from the IRS while reconciling my finances.

Steps for Making Payments on Back Taxes

  1. File Taxes Owing IRS
  2. Get IRS Letter on What You Owe
  3. Setup Installment Agreement
  4. Make Payments
  5. Celebrate Being Free!

Helpful Links for IRS Payment Plan


IRS Customer Service Phone Number: 800-829-3903

This is the mailing address for IRS I was given
If you call them, confirm which address because it’s different for each state

Internal Revenue Service
ACS Correspondence
PO Box 145566
Cincinnati, OH  45250-5566

IRS Online – “Get Transcript”
Online service to request a list of all the income sources the IRS has on record for you each year

IRS Installment Agreement Request – Form 9465
This is the link to request making payments on taxes

IRS Installment Auto Payment – Form 433-D
This is the link to the form to setup Autopay “direct debit”

IRS Request for Copy of Tax Return – Form 4506
This is the link to the form to get your tax return

IRS Claim for Refund and Request for Abatement – Form 843
This is the form to request penalties be removed

Good Things I Learned from IRS

  • You pick the installment agreement price. I owed $3600 and I suggested $100 a month and they accepted it
  • You can pick your payment due date on your installment agreement
  • If you make less than $10,000 you don’t need to file taxes that year
  • Ask For What You Need!! I told her I felt overwhelmed getting this together in 10 days so she extended it to 30 days.


“Trust that everything is working out for the best …
When you start thinking this way, life becomes magical ”
– Your Wish is Your Command

This is the worst nightmare scenario I had been fearing. Receiving IRS notice of intent to seize my property! When I read the letter I felt fine, there was no panic, no overwhelm, no barrage of condemning self talk like every other time. A few months ago this letter could easily have shattered my limping spirit.  Instead I was ready for it because I felt good and then I read the letter while giving thanks, “I am capable of handling my taxes once and for all! OMG I am truly coming out this anxiety ridden stage in my life – Hallelujah!”

I am so grateful I let those negative self beliefs go. With this renewed positive confidence I handled this tax levy situation by trusting everything is working out for my best. So it did – I was inspired to ask the right questions and attract the kindest representative to support me! Everything is on track with my back taxes now – what an even better feeling I have now!

Worst Nightmare IRS Letter turned Positive Growing Experience

Back taxes: This subject had caused me a lot of shame and anxiety over the years from a past business debt that snowballed. I fell off the payment plan during my move to Hawaii. I restarted the process in early 2017, new year it’s time to handle it. The first time I called I had an hour wait time, good conversation unfortunately they never sent me the paperwork as promised. So 6 weeks later and another 2 hour hold, this time I made some headway. I filled out form 843 to see about removing the penality. Now to play the waiting game again. In May I got a notice saying they received it. Oh yeah. Then another saying forwarded to another department. I received another letter in July said they were reviewing my file and would have an answer within 90 days.

Suddenly a week later appears this “Intent to Seize Your Property” notice. What?! Was this my return correspondence denying request or just a scare tactic to get payment? (My lovely representative admitted the IRS does have that overzealous nature with those notices!) This time calling I felt different and certain of a favorable outcome. I wasn’t anxious and I had a positive attitude when calling and I only had a 45 minute wait when I called the IRS number on Monday morning. That’s pretty darn cool. Everything’s working out well already.

This was my third call (or perhaps fourth) to the IRS this year regarding the matter and I’ve always had super kind customer service representatives. After my call I remarked to a friend how I am so grateful this is usually my experience with phone calls (since I know I how to deliberately create this I attract the right representative!). Ms. Thompson helped my fully and went above and beyond giving me some great information.

Previous IRS Correspondence Letters

As I got reenrolled in the IRS payment plan, I learned shockingly I am missing two years of records. How frustrating because I paid someone to do my taxes both those years. Rather than revert to overwhelm or anxiety over the issue, I remained calm and I learned about requesting an Income Transcript. A double win!

The IRS “Get Transcript” is a list of all the income sources the IRS has on record for you each year and payments. How helpful! Now I can double confirm everything before I file my taxes! 🙂 I’m not sure when it posts though 2016 is already there and it’s July 2017. If you filed a tax filing extension October is the deadline so you can confirm what IRS has on file for that year before filing. How nice to be on the same page! It’s free to request a mailed copy, you can download online or we went over it on the phone so I had the info right now too. I’m so happy to discover this nugget!

Hearing I needed to solve two years of missing taxes was concerning. I admitted to Ms. Thompson I was starting to feel overwhelmed doing this in the 10 day window. I asked for support and it worked and she gave me 30 days. Overall this whole tax situation feels really good to handle and I have confidence in receiving the money to pay it off very soon. In order to receive all the big money coming gotta have everything be on track. The more I see and take care of this stuff the better I feel! I recently heard the idea the Universe is your biggest investor so it wants to make sure you can handle it well!

My Miracle Morning Reading & Journaling visiting Workshop of the Mind and Inner Child

I wanted to share my journal entry this morning. I was so excited after I did my visualization exercise.  I wrote about the mastermind I created and then more ideas started flowing.  

Then I had a great conversation with my Inner Child and now we have a date to go snorkeling tomorrow! Yeah! Omg, I just realized it’s been almost a month when I’ve been snorkeling and I live 1.5 miles away. Oh jeez. Well Little Lauren that’s changing tomorrow 🙂

I wanted to share this section of The Prosperty Secret by Markus Rothkranz really spoke to me. 

“Skill #1 – Control Your Thoughts and Emotions

What if how you lived your life on a daily basis brought great joy to you? What if what you thought created wealth and attracted financial security to you?

Skill #2 – Use the Right Tools 

Figure out how to do a business better; that’s the path to wealth

Skill #3 – Take Action in the Present Moment

What you don’t do in this moment, most likely you’ll never do at all.”

How to Apply the Mental Bank Concept | Inner Banking Financial Freedom Exercise

The Mental Bank Exercise

Lauren’s Inner Bank Guide
to the Mental Bank

Apply this powerful Financial Freedom
exercise to reach your goals faster!

The Mental Bank is a simulation to bridge the gap between your present financial experience and your goals.

This nightly practice of paying yourself into your “Inner Mental Bank” recognizes the value you create each day towards your goals. You attain your goals faster in real life because you see the daily steps you’re taking towards living at your next level.

By doing this Financial Freedom exercise you expand your abundance mentality and begin to see a shift in your experience right away.

Step 1: Define Your Goals

Step 2: Determine Value Events

Step 3: Create Your Notebook

Step 4: Establish Paycheck Routine

Step 5: Experience Your Dreams


Click on Section Headings
Below to Expand/Hide Content

Introduction to the Inner Bank and Mental Bank Concept

Aloha! I’m Lauren and I discovered this concept called the Mental Bank a number of years ago. The idea behind the Mental Bank is to expand your current personal belief about your money experience (reprogram your subconscious).

Armed with a new self-worth and recording the daily value you’re creating (plus getting paid big checks!) this exercise influences your behaviors so you create a more abundant life that matches your updated Inner Bank.

I practiced the exercise several times on my Financial Freedom Journey and always experienced positive results. So this time when I was ready to “level up” again for a new business venture, I turned back to my Mental Bank notes. I really wanted to keep up the nightly practice (ensuring my best goal results) so I took some time to developed some key resources I needed.

The first thing I needed was a 3-ring notebook with templates - now it’s so easy to keep up with! More parts grew and soon I had created my own Inner Bank system. My friends kept asking me how I was doing it and I love to share so I put everything together in this post so you to start your Inner Bank tonight!

Here's an overview video I made explaining my Inner Bank System

My dream goal is I am a financially free millionaire living in my own 6000'+ dream home that's free and clear. It's an estate built on a family farm with over 12 oceanfront acres in Hawaii and I receive over $1,000,000 a year of passive income. This means my monthly income lifestyle is receiving over $83,333 per month if I never do a day more of work!

This dream life is a huge jump from what I have experienced so far. By doing this mental bank exercise and experiencing the feeling of living as a financially free millionaire already, I quickly begin to attract the people and circumstances into my life to make it happen. I shared this powerful Financial Freedom Exercise with my friends and - wow! - they are also having exciting experiences of receiving more money and reaching their goals faster!

Inner Bank History

Lauren derived her Inner Bank Finacial Freedom Exercise from the Mental Bank Concept by John Kapaas

Mental Bank Development

"The Mental Bank program, developed by Dr. John Kappas and the staff of the Hypnosis Motivation Institute (HMI), represents the culmination of 30 years experience in the field of subconscious and behavioral reprogramming.

The text explains in easy to follow steps the five synergistic elements of the Mental Bank program and how to get them working in your life in less than five minutes per day.

The Mental Bank program is a dramatic demonstration of how your subconscious mind is a goal machine, driven to achieve whatever it is programmed for. The Mental Bank program puts you in the driver's seat for programming your subconscious mind to achieve success, happiness and prosperity, easily and effortlessly."

Success is Not an Accident: The Mental Bank Concept by John G. Kappas. 

Just so you know, this video is not 5 minutes - it's 2 hours! Continue reading this post for my "Cliff Notes" 😉

Additional Websites for Information

Applying My Inner Bank Process

Note from Lauren

A coincidence (or there are no coincidences!) is my personal connection to HMI  because what helped me to define my goal was several appointments there in January 2014. I saw myself as a financially free millionaire coming down the stairs of my dream home and raced ahead with my life in that direction. I didn't put the connection between HMI & Mental Bank until I put together this blog post!

Years ago in Los Angeles, I heard of the Mental Bank concept, Googled it and put it into practice for a bit. It was cool getting paid for my daily "value!" however my routine changed and I fell out of practice. Then at my Entrepreneur Meetup, one of the members gave a presentation on using the Mental Bank after she had taken the official course.  Only then did I find the free online PDF from HMI.

Three times over several years I used the mental bank for short periods and experienced a tremendously positive effect plus I actually had money come "outta nowhere" during those times. Yet I didn't have consistency until I put my own spin on the Mental Bank Concept and developed some great templates and resources I call the "Inner Bank Financial Freedom Exercise." I'm happy to share the resources I use and am very pleased with my results using my Inner Bank nightly.

Step 1: Define Your Goal

What do you truly want? It surprised me to learn the majority of people never have a definite goal. I have known what I want - to live in my dream house as a financially free millionaire traveling the world with my family sharing entrepreneurship with everyone.

Money Goal

If you have a specific money amount, just plug that into the goal. Using the "SMART Goal" method is a good way determine amount

Other Goals

A weight loss goal could be defined as $100,000 and I’ll pay myself according to my weight loss and value events like eating healthy or exercising.


Having big goals for yourself is great, though if you’re starting from a place of confusion or lack of desires (and maybe everything sucks in your life right now), then it’s hard to feel like your wildest dreams are coming true. That’s where the 4 areas of Peace of Mind come in to the equation by looking at different areas that you want to improve.

Peace of Mind

The 4 Areas of Peace of Mind
  • Health
  • Wealth
  • Love
  • Happiness
Take a moment and assess each of those 4 areas of your life. Rate them on a scale of 0-10 (highest being 10). You can focus on the lower satisfaction areas or set goals for all the areas. See your life as you choose it to be - you are the creator of your experience!

Envisioning Your Dream Life

This is where the magic starts! Go big!!

Goals of "I want to be rich, I want to live in a big house, I want to have a ranch in the mountains, I want to be married, I want to travel, I want to be healthy" are all great though it’s vital to get specific.
How much money do you actually want?
Getting specific allows you to really make the goals measurable.
  • Does $1 million dollars make you feel rich or $100 million?
  • Do you want a $200,000 house or a $20 million dollar house?
  • How large is your house?
  • Where is it located?
  • What’s the monthly household expense?
  • Will you need a chef, housekeeper, gardener?  How often?
  • Someone to do errands and drive the kids to school?
  • A personal assistant to handle your to do list?
  • What’s your ideal budget for shopping/eating out/household expenses?
  • Do you want to travel each month? Vacations?
  • Personal jet or just flying first class?
  • Do you have a partner? A new one? Kids?
  • What does your ideal body look like?
  • How do you spend your free time?
  • Do you work?
You need to get used to having this abundance and be really comfortable with it. Your subconscious needs to believe it and expect it. Setting these measurable goals sets you on the right path to creating exactly what you want because you’ve taken the time to create it in your head first. (This is what I call workshopping and visualization and more on that elsewhere.)

Step 2: Establish Value Events

Value events are based on actions you do that get you closer to your goals! Things that add value to your day are, in fact, contributing to your success. Yes, it can even be serving others, taking a course, meditating or spending time with family. Developing great relationships with quality family time or business masterminding phone calls are great examples of value events.

Determining Your Hourly Rate

The difference between calculating the Mental Bank Way vs The Inner Bank Way is the Mental Bank uses an annual income to determine hourly rates, while the Inner Bank calculates monthly.
  1. Take goal amount and multiply it by 4 to get Inner Bank target
    • Example - Goal: $10,000 Goal x 4 = $40,000 Target
  2. Divide that number by 720 to get hourly, monthly wage
    • This is calculated around the clock
    • Example - $40,000 / 720 = $55/hr, I prefer to round it
  3. Double or triple hourly wage for bonus events
    • Example - $55/hr x 2 = $110/hr bonus rate
  4. Determine varying amount for flat rate events
    • Example - $500 for attending a workshop
    • Example - $100 for getting 8+ hours of sleep
$10,000 Goal is $55 per hour

Value Events

All events must be on this list to get paid!

Look at the 4 areas of Peace of Mind to determine your overall total (see Peace of Mind in Goals above)
  • Health goals may have value events like exercising, food choices, sleep routine, water amounts, etc.
  • Wealth/money goals may have value events for: responding to emails, talking to clients, sales calls, reading or listening to learning materials.

Assign the hourly rate (yes, it can be in the hundreds or even thousands $$) and a flat rate for each event: listen to yourself on determining what is an "Hourly Rate" event and what will stay at a "Flat Rate" fixed amount.
My Original and Revised Value Events

Overall the majority of value event entries should be hourly to help you gain more awareness on where your time spent regarding your goals.
  • Health Goals may get an hourly rate for exercise and a flat rate amount for healthy food choices or reaching your nightly sleeping target
  • Money goals may get an hourly rate for working on projects and perhaps a flat rate for each quick followup call

Bonus Events

When something is super hard to do or scary and brings you a significant step closer to your goals, these events are paid 2- 3 times the usual amount. Example: Making cold calls, going for a run, doing a project you want to avoid.

Now Go Big!

What is your Dream Lifestyle Budget?

Wanna $1,000,000 a year?



$1,000,000 x 4 = $4,000,000 Target Goal

$4,000,000 / 12 = $333,333 per month

$333,333 / 720 = $463 per hour!

Step 3: Create Your Inner Bank Notebook

Notebook Supplies

My Product Recommendations
*Click to Buy on Amazon Prime*

I find it a lot easier to have a 3-ring binder for my Inner Bank Exercise and hole punch my printed templates. The dividers separate your daily ledger and the other sections. Make sure you have a good calculator (and not the basic 8 digit) because you will be calculating into the millions! You can also use the calculator function on a phone or computer. I use the pouch to hold my blue pens and checkbooks.

Paying Yourself

I write real checks to myself and put them on the wall for a powerful visual. I highly recommend using specific checks for this exercise; for $20 I ordered a separate box of real checks from my bank just for my Inner Bank paychecks. It's an amazing feeling KNOWING I will cash them soon!
*Free Download* Printable Blank Checks
My current paycheck stays in my wallet all week! Fun seeing that big check each time!

Notebook Pages

The most important practice of the Inner Bank Financial Freedom Exercise is doing it nightly. I developed these Inner Bank Templates that I personally use to make it easier though you can also just do journal entries. ... Helpful Templates Lauren Created
  • Inner Bank Contract
  • Inner Bank Ledger
  • The Happenings
  • Value Events
  • Cashflow Sheet
  • Investments
*Free Download* Printable Inner Bank Ledger


Buy Inner Bank Resources

For Best "Inner Bank" Results, Join Our Accountability Group & Receive Your Templates FREE!

Step 4: Inner Bank Routine

Ah, ha! This is where the magic happens!

Practicing this financial freedom exercise every night is the key to making this work for you. 

Do it every night for one week to start!!

Since learning of the Mental Bank several years ago I would practice it for a few weeks at a time. Each time I felt such amazing growth in my mentality! This year as I pursued huge goals I brought the Mental Bank out of my "toolbox." I got serious about it and added real paychecks and made a notebook.  I made the commitment to bank every night.

Once again using this exercise I started getting amazing results plus I was feeling so much better! I decided to share how I've adapted it to my own Inner Bank routine and created the Facebook Accountability Group. I have no foreseeable ending this practice as I'm continually reaping the benefits! Life just keeps getting better and better! I'm crossing $21,000,000 tonight and my real life has shifted even more positively!

Calculating Daily Pay

Write out each event on the ledger and in the beginning recording each item is extremely beneficial. Pay yourself for the 10-15 minutes you spend doing this exercise each night.

After a few months I began to dread the ledger because I was constantly tracking my time and feeling anxious if not working enough. Not cool! Negative feelings are my sign for a course correction. So I re-did my Inner Bank Contract and went with a flat rate of $12,000 an hour x 24 hours a day - that changed my attitude and I enjoyed banking again.

After awhile re-did my contract again to get daily passive income plus have a routine checklist I reuse to streamline the process. I've tailored this exercise to work for me and you do the same. The most important thing is just to do it! 🙂

My Evolving Ledger

  1. Log each Event and Record the Rate and Time
    • Example: Health Goal - Drinking Water $20/Bottle flat rate, 6x
    • Example: Relationship Goal - Go on Date $400/hr rate, 90 minutes
    • Example: Money Goal - Cold Calls $800/hr bonus rate, 45 minutes
  2. Calculate all Events at the same time using a Calculator
    • Example: Health Goal - Drinking Water $20/Bottle flat rate, 6 times = $20 x 6 bottles = $120
    • Example: Relationship Goal - Date $400/hr rate, 90 minutes = 90 min / 60 min = 1.5hrs x $400 = $600
    • Example: Money Goal - Cold calls $800/hr Bonus rate, 45 minutes = 15 min / 60 min = .25hrs x $800 = $200
  3. Record Daily Total and add to your Inner Bank Balance
    • Example: Cold Calls $200  + Date $600 + Water $120 = $920 for the day!
    • $920 for the day + previous Inner Bank balance equals your new current balance
  4. Pay Yourself and Deposit into Inner Bank
    • Journal and write out the following script each day, "Today,(write-the-date), I am so happy and grateful receiving $##,### $(write-out-the-full-number-in-cursive) making my new balance $#,###,### $(write-out-the-full-number-in-cursive) "
    • Example: Today, January 1st, 2017 I am so happy and grateful receiving $5,327.12 five thousand three hundred twenty-seven dollars and twelves cents making my new balance $612,973.42 six hundred twelve thousand nine hundred seventy-three dollars and forty-two cents
    • Your daily pay is written on the ledger and the official paycheck is issued weekly
  5. Record Happenings from the Day!  This is your chance to reflect on opportunities you've been given each day to move closer to your ultimate goals. You'll start to recognize the daily occurrences of abundance. As you look for them,  they'll become more numerous and greater. Because what you give attention to, grows.

Weekly Paycheck

  • Calculate the total of each day during the week and write a check for that amount! Writing that check makes it real.  Seeing those numbers next to your name makes a powerful statement. "You are wealthy, you are worthy.  You deserve that abundance of money!"
  • I keep my current Inner Bank Paycheck in my wallet each week
Inner Bank Ledger and Paycheck

Advanced Banking

You can allocate your Inner Bank income and get investments. I love seeing my "Fun Money" add up and it's also good to practice paying a big tax bill for these millions! I made worksheets for these in my templates
  • Cashflow Worksheet Allocation
  • Update Investments(Add Screenshot of what amounts of money get allocated, allocation checks and investments)

Step 5: Experience Your Dream

Acknowledge and give gratitude for the abundance  manifesting in your experience!

Your mind must wrap itself around this idea of seeing abundance all around you, regardless of what your circumstances may be. When you start to SEE abundance in your everyday life, you're given more. So acknowledge and give gratitude for each and every one of those blessings! More comes to you, and more and more and more. That's where you experience your dream and build the life you're truly meant to live.


*Free Download*
Printable Bank Ledger

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Consult + Templates + Group


Inner Bank Concept

Your thoughts or self-belief about money
or achieving goals determine your experience
of abundance (or lack of it) in your life.


Quote from Robert Kiyosaki in Rich Dad, Poor Dad

“[My poor] dad had a habit of saying, “I can’t afford it.” [My rich] dad forbade those words to be used. He insisted I ask, “How can I afford it?”

One is a statement, and the other is a question. One lets you off the hook, and the other forces you to think … “I can’t afford it” shuts down your brain [because] it didn’t have to think anymore …. It also brings up sadness, a helplessness that leads to despondency and often depression.

“How can I afford it?” opens up the brain, forces it to think and search for answers. It also opens up possibilities, excitement and dreams and creates a stronger mind 
and dynamic spirit.”

What are your thoughts about money?

Reoccurring thoughts like “I always have plenty of money” or “I never have enough money” play out in that person’s life experience.

Money is an idea and the ideas you are thinking prompts feelings. Those feelings create an expectation that becomes your life experience. If you believe “I always just get by” then it is so.

Are you ready for a more abundant life experience?

Applying this practice changes the way you think about your personal value and your relationship with money. Positively expanding both of these self-beliefs allows you to experience the life of your dreams even sooner! Start practicing this exercise every night this week and enjoy your first huge paycheck shortly!


5 reasons the Mental Bank
exercise is powerful

Lauren’s Inner Bank System is derived from the well-known Mental Bank Concept which culminates over 30 years of research at HMI. Here are the 5 components that make up the foundation of this nightly practice many people have used with successful results.

“Success is NOT an Accident!” HMI Motto

“The 5 Synergistic Elements

1. BELIEF – Put into action your new, successful script and rewrite your subconscious

2. DAILY REINFORCEMENT  – In fact, it WILL work as long as we do it!

3. SCRIPTING  – Bypassing the critical area of the mind and entering the subconscious

4. TIME OF DAY – The last half hour before sleep is referred to as the “Magic 30 Minutes”

5.  DREAMS – New program in and vent out the old program dreaming”

Excerpt Above from the “Mental Bank Handbook”

Now apply this Financial Freedom exercise tonight
and connect with Lauren for additional guidance!


Lauren’s Financial Freedom Journey

Connect for even more Financial Freedom resources

The purpose of my journey is to teach people how to build businesses that last, create freedom (time, financial and peace of mind) and do good in our world for generations

Aloha! I’m Lauren and if you’re reading this section it’s because chances are this is the first time visiting my website. So warmest aloha and welcome to my treasure of resources supporting our Financial Freedom Journey. Click “Start Here” if you need guidance or browse through various articles. Make sure to connect with me!

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