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Success Advice

How to Have More Money: 5 Secrets You Need to Know to Be Wealthy



how to have more money
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Why are some people wealthy, while others struggle to survive, living pay check to pay check?  You can take two people from the same background, even the same family, with the same education and opportunity, and they will get different results. One will succeed, and one will fail. Why? Watching members of my own family get different results even though they were given the same information taught me valuable life lessons about building wealth.

My grandparents were hard-working, blue collar immigrants. They openly shared their good money habits with their four children. They all lived under the same roof and received the same information. Three of the four even had the same career, yet, their results were drastically different. I want to share my observations with you so you can learn what works when creating financial freedom.

Here are 5 proven secrets you need to know to be be wealthy:

1. Be Grateful

My grandparents spoke with love and appreciation for the opportunities available in their new homeland. My parents complained about money even though they earned plenty. Their lack of satisfaction led them to fund their lifestyle with money they didn’t have, accumulating a lot of debt. They fought over money and blamed each other for their results. Their constant bickering caused me unbearable stress. When you show appreciation, you get more of what you want. What are you grateful for today?

Here’s an easy way to show gratitude. Start and end each day stating out loud what you appreciate. It can be your health, family, friends, a thriving business. State your gratitude intention in the present tense. Here is an example…”I am so happy and grateful now that…. and you fill in the blank.

“You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

2. Be Generous

My grandparents regularly gave to their favorite charities and helped neighbors in need. Having the courage to be generous when you are struggling shows the Universe you’re confident in your ability to create what you need. Where can you show generosity today? How about donating your time, talent or money to a cause that matters to you? Sharing your passion in a special way often provides a renewed sense of purpose that gets your creative juices flowing.

3. Create A Plan and Take Daily Action Toward Your Goals

Only one of my grandparents children had a plan. My uncle and his wife lived within their means and had a lovely lifestyle. He didn’t earn more money than the others. My uncle made choices that gave him better results. His siblings spent more than they made, all the time. They thought they were living the good life, but the stress of being over extended and not having any savings took its toll financially and emotionally.

Do you set goals? Here’s an easy system to stay on track. First, create a written list of your goals and prioritize them. Write each one on 3 x 5 card that you read aloud daily. This will provide triggers that stimulate action. As you hit your targets, check them off your list. You will feel a rush of satisfaction that inspires you to keep going.

4. Have Honest Money Conversations

Nonnie and Grandpa were comfortable talking about money. This is the secret successful people have in common. Money doesn’t make them uncomfortable. They are comfortable with money. Developing a comfort level with money starts with knowing how to talk about it without getting emotional.

To have a successful money conversation, start small. Think of a money topic that is light, such as planning a vacation. If you have someone that is part of the planning process, make a vacation planning date with them. Start with general questions like where to go, when, and for how long. Once you’ve narrowed down your options, decide on a budget. Once this system becomes second nature, money conversations will be a breeze.

“Never spend your money before you have earned it.” – Thomas Jefferson

5. Live Within Your Means and Include Savings In Your Budget

My grandparents didn’t earn a lot of money in their day. Because they managed well and were consistent savers, they left their children a small inheritance when they passed. In contrast, one of their children died penniless. One lost everything and is living in government housing for the elderly. One had to downsize considerably, barely hanging on financially.

Their one child that copied their money habits retired comfortably. He enjoys financial freedom, experiencing life on his terms. His outcome proves your decisions and behavior create your results, not the size of your pay check.

What money choices will you make? This is essential – know your numbers. Use an online app or a spreadsheet. Include your take-home (net) income and any other income sources (dividends, interest, etc.).

Next list your expenses. Separate them by essential, and discretionary categories. Include savings in your budget. If you want to increase your savings, look for ways to reduce your discretionary expenses. Don’t forget subscription expenses. These are often overlooked and can add up fast. If you have subscriptions to goods or services you’re not using, consider cancelling them to save money.

As you can see, achieving the level of wealth and financial freedom isn’t as difficult as you might think. If you practice these 5 simple habits, you will be on your way to attain your money goals. Remember, live your life by design and not by default.

Therese R. Nicklas is a CERTIFIED FINANCIAL PLANNER™ and Certified Money Coach(CMC)®, founder of The Wealth Coach for Women, Inc. She’s passionate about helping women attain financial freedom so they live their life by design and not by default. Learn more about Therese at You can download her eBook, filled with tools and tips to help you attain financial freedom “The Money & Life Playbook”.

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Success Advice

How to Ignite the Spark Within for Future Success

All of us come to this world with our own reserve of magic unfortunately, not everyone can unleash it



Igniting your spark
Image Credit: Midjourney

What is it that makes some people great leaders while others remain followers? What magic do they have that others don’t? What special blessing gives them the power to bring significant change?  (more…)

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Success Advice

How Your Beliefs Can Supercharge or Sabotage Your Success

Your life is dictated by beliefs and biases that drive your thinking, behaviors, and decisions



Your Beliefs Can Supercharge or Sabotage Your Success (1)
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Success Advice

How to Break the Cycles of Mediocrity and Manifest Your Greatness

There is no greatness without becoming and there is no becoming with authenticity



Image Credit: Midjourney

In just a few weeks, we will be wrapping up 2023. Can you believe it? This year has been absolutely incredible for me.

I have seen amazing doors opened, new relationships formed and I am seeing dreams realized in my life. While this seems like the hallmarks of a great year, this has also been the most challenging year of my life. With all of the change happening in my life, I have been forced out of my comfort zone and challenged to grow in every area of my life.

I can truly say that I have made the most of my moments this year and I have used everything as a catalyst for maximizing my greatest potential.

As a revolutionary leader, I have the pleasure of consulting and advising leaders around the world to fulfill purpose, realize their greatest potential and make an impact.

I want to share some insights with you that will help you to break cycles of mediocrity and manifest your greatness

Everything legal must come through the matrix

I am sure that some of you are wondering why I am using the term matrix. However, what you have to understand is that I am trying to make a highly complex spiritual principle practical to understand.

Regardless of your spiritual beliefs, every life has an origin and I believe that origin is divine and begins with eternity. You are birthed from eternity and into time to fulfill a unique purpose and assignment in your lifetime and generation.

The matrix is simply the portal or vehicle that brings something out of the invisible realm and into tangible form. The problem with much of the teaching today is that it excludes the matrix. We are told to believe that success is instantaneous and overnight.

Nobody talks about how a dream progresses through stages beginning with visualization and ultimately culminating in manifestation. Without a matrix or portal then everything that you attempt to birth and build will be illegal.

The matrix not only makes you legal but it gives you the authority and power to function as the greatest expression of who you were created to be. 

Every matrix has an incubation process

While many people admire and respect me today, I remember a time when nobody knew who I was or the significance of my message. How did I get to where I am today? I got here through an incubation process.

In other words, everything that has been destined for your life is incubating and awaiting a set time of manifestation. The problem is that most people live their entire lives idle and never initiate the incubation process.

What do I meany by that? Most people are living reckless and very few people are living intentionally. I am amazed at the number of people I have conversations with that have no vision, goals or strategies for their lives. They show great promise and they have undeniable potential.

However, without development they will die with their dreams still in them.

Everything that has been destined for your life must be incubated and converted to become realities born to time. 

“Visualize this thing that you want, see it, feel it, believe in it. Make your mental blueprint and begin to build.” – Robert Collier

You must give expression to that which is not yet born to time

When you think about a matrix or a prophetic incubation process, you have to understand that potential is often unrealized and untapped. In other words, your potential is in raw form and your potential cannot serve you as long as it is untapped.

The thing that makes me valuable is that I have the ability to convert potential into power. I have done it in my own life and I have empowered leaders around the world to do the same. How do you convert potential into power?

First, it is important to note that you have to perceive potential. If you cannot perceive your potential then you can never cultivate your potential. In addition, you must take the time to cultivate your potential. We often get excited about our capabilities; however, we never expand our capacity in order to realize our greatest potential.

In other words, the strength of your potential is only discovered through your willingness to stretch. The more we are challenged the more we are empowered to expand our capacity for greatness. Most of all, you must begin to express your potential. The expression of potential is different for every person.

For example, the expression of my potential is best demonstrated through the thoughts, ideas, products, services, books, etc.

For another person the expression of potential may look like a screenplay, artwork, sports, scientific discoveries, medical breakthroughs, etc.

Regardless of the form of expression, I know that you will live empty and unfulfilled until you make the decision to express your potential. The expression of your potential gives voice to your dreams, life to your vision, significance to your moments and activates your true power.

You must manifest your greatness

As a revolutionary thinker and leader, my work has impacted people around the world. I am grateful that my life is a source of empowerment to so many people. However, before anyone could ever benefit from my life, I had to make a non-negotiable decision to become who I was born to be.

I wish I could tell you that this journey is easy and that you will get there overnight. However, in a world that celebrates us for doing we are often criticized for being. As a result, I wasted a lot of time trying to be who other people wanted me to be instead of being who I was born to be.

There is no greatness without becoming and there is no becoming with authenticity. It is through our bravery to be vulnerable that we ultimately manifest our greatness. We do not bless the world by being a duplicate. We bless the world when we honor our difference. When you honor your difference you honor your potential.

Ultimately, your difference is how you manifest your greatness.

When you present anything but your authentic self to the world, you are playing small and you are robbing the world of your significance. Manifesting your greatness requires you to master your gifts.

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Success Advice

Here’s a Young Man’s Antidote for the Uncertainty of the Modern World

Why do a lot of young guys lack confidence in today’s world? 



How to boost your confidence
Image Credit: Midjourney

We all have been told that confidence is a key factor in achieving success and happiness in life. But what is it exactly? (more…)

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