Category Archives: Lauren’s Financial Freedom Journey

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

Clicking Here Now!

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





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.

My Dream Life

Current Painting of My Dream House

My vision starts with the house. That damn dream house. I’ve seen it burned in my mind and that’s what I am pursuing. That house and the life it represents to me is ingrained in every action I take. That is my goal and I know living there means I have successfully shared my purpose with the world. I live as a financially free millionaire and have taught people worldwide to become financially free and they’re happy and living their dreams now, too!

“Happiness is an attitude. We either make ourselves miserable, or happy and strong. The amount of work is the same.” Francesca Reigler

Happiness is deeply intertwined with my house, that dream life. My vision of the outside of the house has been there since high school. My kids and I have talked about living there for years and even designed their rooms. I’ve learned to dream bigger and now I know it’s on an oceanfront property on a secluded beach on over 12 acres.  Over the years I’ve gotten clear it’s an organic, eco-friendly farm with wonderful workers. We have lots of animals and those include mini horses and sheep and goats and alpacas. A parrot or more…and doves in aviaries with finches and, oh the chickens! I’m so excited to wake up there every morning!

Dream building is so fun! Makayla and I have decided we’re making our chicken flock from stealing a chick from different spots all over the island. And haha, now possibly from all the islands. Ahh, I love chickens so much. And I’m so grateful Makayla shares the same love. I loved growing up visiting the chickens at my grandparent’s house most weekends. Wow, what if I had grown up living on that property fulltime! That’s the expansive peaceful living I’m looking to create in my upcoming future. I love being outdoors having adventures and excited to explore my own giant slice of paradise!

Mother-Daughter adventures after school last Monday

So why am I not sitting outdoors writing now rather than holed up in my room? Because I have refused to add an outdoor screen to my lanai. I have so many excuses to not do it. The biggest one is because I don’t want to make long-term plans living where I am. And I feel a lot of negative fear emotions about it – I should be living at my dream house by now.  I know how much I would enjoy working outside right now so what is the true price of giving up my happiness? I grump being indoors so my resistance to living here actually keeps prolonging it according to the Law of Attraction – eek, gotta change some feelings here!

How many other things am I resisting
and not allowing in that would bring me joy?

Blogging is one thing I’ve been resisting because I was scared. I love writing this post right now. It fulfills me and I also know that it brings value to others. Hmm, interesting as I’m writing it and saying what comes to mind I hear, “I like writing this. Do others like to read this or is it garbage? Garbage, that’s a harsh word, Miss Lauren.” It’s the self-talk and working with my internal dialog that has truly made the biggest difference in my life, both internally and externally.

My self-talk determines my dreams,
my thoughts lift me to success or drag me down to failure.

Success and failure, I’ve looked a lot that this past year. I felt like the hugest failure for not reaching my deadline. It truly became my “dead-line” and I was suffering immensely striving to reach my goal of being a financially free millionaire by my 30th birthday.

“I couldnt do enough, I wasn’t good enough, I hadn’t contributed enough to be deserving of being a millionaire…”
that was my self-talk so I got to be right about failing

Oh boy, I had the HUGEST chip about that date. See, it’s my goal date, the date I picked and worked and worked and worked for years. It was my financial freedom date I picked by in January 2014. It’s the reason for my blog, I set out with my goal and this exciting journey began. And now I am sitting here 4 years later and I did not reach my goal by August 14th, 2017.

So why on earth should you listen to me now?

Right now I’m thinking, “Obviously, I messed up. Look at my results. I did not follow the right path if I didn’t get my goal. I am a fool and others would be foolish to follow me.” Yet as I write those words I feel in my head, this other part of me saying, “Listen and acknowledge that part of you that says you’re a failure. And then choose what you want to believe and move forward right now because you are a success! I love you, Lauren. You know where you’re going and you’ve got this!”

I know what I have to share
with the world is extremely valuable

Everything I’ve been seeing since … since I can remember, all my visions show me I am there, living in my dream house as a happy, loving financially free millionaire. I reached my goal and I have positively changed the world in a monumental way. I connect the dots for people and put it all together. I teach people to become free. Everything works together and together we sweep the world of negatively and consciously apply dramatic and swift love across the globe. I am so so excited to experience that moment – oh man, am I savoring it!

Create World Peace One Mind at a Time

That’s the motto for the personal growth courses through PSI I’ve done. It is possible although people truly aren’t free yet. Most people still are not financially free to spend their time doing what they love, experiencing their true loving self and sharing their gifts. Teaching people how to be free from financial enslavement and combining it with self-love and personal empowerment is the way I plan to teach others and heal our world.

Jump for Joy – The Time is NOW!



Here are some resources if you’d like to know more about anything I talked about above. Some of these are my affiliate links – it’s a win-win and one of my passive income sources. If you want to learn how to get your own links, definitely read more where I show you how I do it step-by-step!

Take the Financial Freedom Journey Course

This is the culmination of my journey and a huge step in teaching other people how to achieve financial freedom and peace of mind

Click Here for the Course

How to Think Bigger

I recommend the classic book, The Magic of Thinking Big by David Schwartz to explain how to expand your dreams. Here’s a 4 minute summary of the ideas from it, the full audiobook and Amazon link

The Magic of Thinking Big – 4 Minute Summary
Explaining How to Think Bigger & Overcome Anxiety

The Magic of Thinking Big
Full Audiobook



Law of Attraction

The Secret is a great introduction to the Law of Attraction. I am a huge Bob Proctor fan and he’s featured a lot in the Secret and goes onto the Meta Secret.

Law of Attraction Summary
5 Minute Overview

Law of Attraction – Full Movie
Full Movie of The Secret

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!

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

Buy Templates

Join Accountability Group

*Success Package*
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!

Read all about Lauren »

View on YouTube or find her on Twitter | Instagram | Facebook


Click here for a great Financial Freedom exercise




How To Launch Your Own Website in a Weekend

Launch Your Own Website in a Weekend

How I Taught My Friends to
Create an Online Business like Mine

Aloha! I’m Lauren and I am passionate about creating financial freedom in my life and the lives of others. I personally do this through my own
online businesses and helping people become entrepreneurs. I recorded these steps I use so now you can learn some simple steps to create your own successful online business too!

For years I’ve shared what’s working in my businesses and been asked
numerous times if I could build someone’s website. I never have because
I have no interest in becoming a website designer. I much prefer the
entrepreneurial lifestyle and going  snorkeling Monday morning than
reporting to a job. So I thought of a great win-win to create this
blog post by outline the steps and share how I do it. 

I taught my friends how to create their own professional websites
very quickly over one weekend. They learned how to use WordPress,
the predominant way to create websites and manage their own content. Plus WordPress allows for the fancy stuff you can hire the Pros for when you’re ready. Then adding in the advanced steps allows for unlimited monetization! By following these steps everyone can make a huge step
 to create passive income resulting more financial freedom in your life!

Our Weekend Mastermind Creating Websites

Preparation Steps


Hey! I’m so excited you’re about to build your own website!
That’s actually how I started my first business bringing animals
to kid’s parties in Los Angeles. That website has built
Reptacular Animals as the largest in its industry since 2008!
Then I started my next businesses this same way.

All you need to start a business or website is an idea.
I love talking to people and discovering what their big idea is.
The coolest part with starting your own business is you can
grow around your interests or passions. I always loved kids and
animals and BOOM … a successful service company was born.
This website is my blog. Is a blog a business? Well it sure can
be and my goal is to show you how to create a successful
online business by creating a website for anything!

Do you already have a business or website and ready grow?
That’s awesome. It’s up to you if you want to create a personal
blog site as well or just optimize your existing one. Going through
this process will teach you the skills to build an optimized website
and run your own small business so it creates financial freedom.  


Preparation Video

Video showing Research & Outline 


Establishing Website


Determine Marketplace






Developing Your Outline


(Hey you can download ours! That’s the big master Outline )


Purchase Website


Video showing Domain, Hosting, WordPress


Selecting Name

What is a Domain and Hosting, a domain is the address of your site or “” and the Hosting is where the website is stored. There’s companies just for domains or you could bundle them with a Hosting Provider

Picking a Domain Name, if you need ideas pick one that’s catchy easy to spell. Putting words together or adding “-” works well and you can also use keywords

Should it be “.com”, that’s a personal preference. Generally .com is preferred though ultimately the website has so many traffic sources the name won’t matter

Search for Domains, there’s many companies that sell domains. Since I have multiple websites, I find it’s cheaper to use a domain company and then have an unlimited hosting plan. I usually renew for under $10 and always a Google for “promos”. The Hosting providers usually have a higher domain renewal fee of $12-15+. If you are new there’s usually promotions from Hosting Providers to get a free domain for a year when you bundle.


Purchasing Domain & Hosting Provider

It’s a big process to switch hosting providers so choose one for long term


Prominent domain and hosting provider that also offers excellent phone support, template websites and professional designers. Usually a bit pricer. I built one of my original websites using their basic template.




I personally have used them for many domains and been very satisfied. Basic domain provider with consistently lower prices. FYI only email/chat support.



I switched to them in 2017 from BlueHost initially because billed monthly instead of annually and the interface. The phone customer service is super and they fixed lots of things I messed up in the learning process.



I used them for years with several sites and was always satisfied. I had purchased a 3 year plan and when renewal came up I found a cheaper one and I liked the other website back office layout better and switched.


Installing WordPress


Linking Domain & Hosting



Website Layout

Video with Themes, Pages, Categories, Menus, Plugins


Choosing a Theme

Installing Theme

Customizing Theme



Pages vs Posts

Naming Pages

Adding Pages



Using Categories

Creating Categories



Menu Layout

Creating Menus



Types of Plugins

Installing Plugins

Using Plugins


Website Content

Video with Posts, Content, Formatting, Links





Advanced Website

Video with Subscribers, Products, Affiliates





Here are some great resources for how to build and
launch a website. I’ve personally studied many of these. 









Expecting Success

I love my life and my journey! I wouldn’t trade any of this for anything!!

I have had such a wonderful week of love while going through the next transition. My grandma and I rented the most wonderful home. We’re creating the next business venture here by converting the downstairs studio to a bunkhouse to rent out. I have many successes over the past year doing the same thing in other homes, now it’s our turn.

We both invested our money for the new place. I am used to doing everything solo now and used to taking business risks. It was/is really scary jumping into the next one with someone else. This was totally new and I felt a lot of anxiety and responsibility. Then I realized it’s because I’ve never had investors before so this is just a new experience- this is an opportunity for growth! As I move out of my comfort zone of operating solo businesses into investors, the anxiety is just bc I have never done it before. Once I had that “ah ha!” moment and recognized the stage I was in, the anxiety lifted! I relaxed, trusted in myself and (of course!) my grandma’s new business is doing amazing!

I have cultivated such clear intentions of where I am going through my practice of deliberate creation. HOW FAST I AM arriving at my goals is all tied to my belief of myself and my intentions. It’s the knowingness and belief that brings all my desires to fruition. I know I am successful!!

There’s a sweet spot as one of my mentors Kevin Trudeau talks about. When you have a 100% desire coupled with a 100% belief then you expect and will receive it! As we say in PSI, “S/he who is most certain wins!” Expectation is the key. I expect to achieve my dreams so I do!