Ep 434 – High Income, Low Wealth: The Money Mistake Successful CEOs Keep Making
This is the 2nd part of the Spiritual Laws of Money and Wealth Series
This episode is powered by The Ascension Archetype Quiz.
Your biggest money mistake might be believing that your high income is proof that you're building wealth. Because when revenue keeps coming in, you can afford to ignore the spending, the lifestyle inflation, the investments you haven't made, the reserves you haven't built, and the financial decisions you've been postponing. You tell yourself you'll get serious about wealth when you hit the next revenue milestone. But then you hit it, your lifestyle expands, your expenses rise, and somehow the money you thought would create freedom still requires you to keep producing at the same pace. In this second episode of The Spiritual Laws of Money and Wealth, I'm challenging the belief that hard work and higher income automatically produce financial freedom. We're getting into the Law of Cause and Effect, the Law of Compensation, and the uncomfortable reality that the financial life you're living today may be the result of decisions you keep making while waiting to become wealthy tomorrow.
This episode is powered by The Ascension Archetype Quiz. Your business can generate seven figures, your lifestyle can look luxurious, and your bank account can still tell a story that has absolutely nothing to do with financial freedom. That's because making money and building wealth are two very different skills, and confusing them can keep even the most successful entrepreneurs financially dependent on their next launch, client, or revenue milestone. In part two of The Spiritual Laws of Money and Wealth, we're exploring the Law of Cause and Effect and the Law of Compensation to uncover why working harder, earning more, and looking successful don't automatically create lasting wealth. We're talking about financial stewardship, income versus net worth, lifestyle inflation, investing, wealth-building habits, and the decisions that determine whether your money becomes another expense or an asset that works for you. Because your next financial breakthrough may have less to do with increasing what comes in and more to do with changing what happens after the money arrives.
Here’s the truth: hard work does not create a debt that life is obligated to repay in money. And earning more without learning how to steward more can leave you financially dependent on the very business you built to create freedom.
Grab your Move to Millions Podcast Notebook, a pen and your favorite beverage and listen in to discover:
✔ How to recognize the difference between high income and real wealth
✔ How to break financial patterns that keep wealth from accumulating
✔ How to apply cause, cost, and consequence to your money decisions
✔And so much more
This episode is a call to stop confusing financial success with financial security. If your income keeps increasing but your assets, reserves, and net worth aren't growing with it, making more money may be disguising the very problem you need to solve.
This is your invitation to examine what your financial choices are actually producing. The question isn't simply whether you can afford something. It's whether that decision supports the wealth and freedom you say you want.
Subscribe to the Move to Millions Podcast:
Listen on iTunes
Listen on Google Play
Listen on Stitcher
Listen on iHeartRadio
Listen on Pandora
Leave us a review
Are you subscribed to my podcast? If you’re not, I want to encourage you to do that today. I don’t want you to miss an episode. I’m adding a bunch of bonus episodes to the mix and if you’re not subscribed there’s a good chance you’ll miss out on those.
Now if you’re feeling extra loving, I would be really grateful if you left me a review over on iTunes, too. Those reviews help other people find my podcast and they’re also fun for me to go in and read. Just click here to review, select “Ratings and Reviews” and “Write a Review” and let me know what your favorite part of the podcast is. Thank you!
- "You can make a lot of money and never become wealthy." Dr. Darnyelle Jervey Harmon
- "I was putting more money on me than I was putting into investments." Dr. Darnyelle Jervey Harmon
- "Hard work alone does not build wealth." Dr. Darnyelle Jervey Harmon
- "Everybody wants the benefits of wealth, but guess what? Wealth has requirements." Dr. Darnyelle Jervey Harmon
- "Generosity can be a wealth strategy without becoming a transaction with God." Dr. Darnyelle Jervey Harmon
- If my business stopped generating revenue tomorrow, how long could my current financial life continue without requiring me to work?
- Where am I confusing my ability to afford something with whether that purchase actually supports my long-term wealth?
- What financial behaviors am I repeating that are creating the same results, even as my income increases?
- Am I willing to make the financial decisions required for freedom, including saving, investing, protecting assets, and sometimes choosing restraint?
- What would change if I stopped measuring my financial success by what I earn and started measuring it by what I can retain, multiply, and use to fund my legacy?
- Take the Move to Millions Ascension Archetype Quiz
- Join the Waitlist for Sanctuary
- Apply for a Soul + Strategy Conversation
- Move to Millions: The Proven Framework To Become a Million Dollar CEO With Grace & Ease Instead of Hustle & Grind by Dr. Darnyelle Jervey Harmon – Get Your Copy
- Join the Move to Millions Circle Community for ongoing support and community engagement – Join Now
- Move to Millions 90-Day Business Growth Planner – Get Your Planner
- The Seven Spiritual Laws of Success by Deepak Chopra
- Happy Pocket Full of Money by David Cameron Gikandi
Personal brand website: https://drdarnyelle.com/
Company website: https://incredibleoneenterprises.com/
Move to Millions website: https://movetomillions.com/
Darnyelle: [00:00:00] Today, I believe you put more in you than you put on you, right? So I'm not wearing my wealth anymore. Sure, I have a few luxury pieces, but I am not wearing my wealth. I am putting my wealth into access that can make me more wealth. It means saving is not automatically wise if fear keeps you from ever deploying capital productively.
It means that you have to become financially responsible
Welcome to the Move to Millions podcast. Each week we explore the intersection of business growth, neuroscience, money and wealth consciousness, leadership, and spiritual alignment so that you can build a business that funds your legacy without fragmenting your life. I'm Dr. Darnyelle, best-selling author and creator of the Move to Millions method.
And if there's one thing I'm clear about, it's that the move to millions is not just about business growth. It is an evolution of who you are and how you lead. And trust me when I tell you that until you are safe and secure in [00:01:00] your relationships with yourself, money, wealth, and success, your move to millions is indeed in jeopardy.
My job is to equip you to become your very own sanctuary for soul and strategy success. This is the Move to Millions podcast. Welcome home.
Before we dive into this week's episode, let me ask you something real quick. If this podcast has ever made you think deeper, shift something in your spirit, or take bold, bankable action in your business, would you do me a favor? Would you take a moment and scroll down and leave us a rating or review?
Listen, that's how we grow this message and get it into the ears of more seven-figure CEOs and seven-figure CEOs in the making. Your words matter. Your support matters. So please take a moment to go ahead, rate, review, and then come right back because this episode is about to shift [00:02:00] everything. You can make a lot of money and never become wealthy.
You can work incredibly hard and never become wealthy. You can increase your income year after year after year and still never become wealthy. Because let's be clear, income is about what comes in. Wealth, on the other hand, is what your financial choices actually allow you to keep, grow, protect, multiply, enjoy, give, and eventually deploy.
And that means if we're going to have an honest conversation about the spiritual laws that govern wealth and money, eventually we have to stop asking only, "How do I make more money?" And more importantly, we need to start asking a much more consequential question: "What am I repeatedly doing with the money that [00:03:00] comes into my hands?"
In this episode, we are talking about two more spiritual principles that will help us to answer that question. The law of cause and effect and the law of compensation, two of my personal favorites. Welcome back to part two of the Spiritual Laws of Money and Wealth series here on the Move to Millions podcast.
In part one, we explored the law of vibration and the law of polarity. Now, if you missed that episode, it will be worth it to you to go back to watch or listen so that you have a complete understanding of each of the spiritual laws I am breaking down in this series. I don't want you to miss anything. I want you to get it all.
I want you to have a complete understanding of the way that money is working and how it's impacting the way that you're showing up. I wanted to make sure that I did this series because I believe that understanding the spiritual laws that are impacting the way that you relate and react to money can [00:04:00] increase the likelihood that you will make the shifts that will be necessary for you to actually make the move to millions.
You've heard me say time and time again that the move to millions is as much about strategy as it is about your soul. So I want you to make sure that you get it and you understand it. Now, as you listen or watch this series, I want you to be asking yourself this powerful question: What can these principles help me to understand and notice about myself, my relationship with money, and the way that I am currently stewarding wealth?
Now, in this episode, we are exploring cause and effect and compensation. Cause and effect asks us to look at what our financial choices repeatedly set in motion, and compensation asks us to consider what the financial life we desire requires in exchange of the desire. Now, together, they challenge one of the most [00:05:00] deeply ingrained belief that founders, entrepreneurs, and high achievers carry about money.
If I work hard enough, eventually I should become wealthy. That, my friends, is simply not a guarantee. Hard work can help you to earn money. Hard work can help you to create opportunity. Hard work can help you to develop your expertise. But let me be clear, hard work alone does not build wealth. Let's get into why.
You are watching or listening to the Move to Millions podcast. As you know, this podcast is my love letter to business, and nothing brings me more joy every single week to come into your life combining my love of God and spiritual principles with money and entrepreneurship in a way that will transform your soul and your strategy.
I am Dr. Darnyelle, award-winning CEO of Incredible One Enterprises and the creator of several [00:06:00] powerful business growth systems and frameworks, including The Sanctuary Standard and the Move to Millions method that this powerful podcast is based upon. Our work has helped 85 CEOs just like you experience their first or next seven-figure year since late 2021.
And let me be very, very clear, we are just getting started. If you are a six-figure founder or entrepreneur who wants to make the move to millions and you wanna fund your legacy without fragmenting your life, I want you to check out the link in the show notes to learn more about our Soul and Strategy programs.
This is part two of our newest series, again, The Spiritual Laws of Money and Wealth. If you wanna make more money, build real wealth, and become the kind of steward who can hold both without losing yourself in the process, I created this series for you. And believe me when I say it, you are so welcome.
Y'all know that I will [00:07:00] always keep it real with you, and I have to be honest yet again and tell you that I spent years believing that effort was the price you had to pay if you wanted money I knew how to work. I knew how to push. I knew how to sacrifice. I can literally hear my dad telling me that I had to work hard for money and twice as hard for half as much because I'm a woman and a Black woman, and it's not optional.
It was very mandatory, and when I tell you that I believe that thing with every fiber of my being, trust me and believe me when I tell you I believed that thing in my body, y'all. And in the early years of my business, I was working all the hours, 80-plus hours a week, and literally still treading water financially.
It-- the math was not mathing. It did not make sense. I would literally get off work, for those of you who know I filed bankruptcy and ended up going back to work, and then I put in another shift in my [00:08:00] business, and despite all effort, I could not get past $88,000 a year. 2008, 88,000. 2009, you guessed it, 88,000.
2010, things began to shift because I started learning more about money and testing some of what I was learning in my relationship with it. I mentioned two books that changed everything for me in the last episode, so if you go back and watch, you'll get those two books. And that was the beginning of me becoming financially literate and ultimately getting to the point where I felt safe with money.
Now, as a result, that 88,000 became 131,000, then 250,000, and then up and up and up to hitting seven figures and multiple seven figures a year. Now, looking back, I realize that $88,000 was very familiar to me. If you've been doing all the right things but still feel like you're carrying more weight than you should, it's not your strategy, it's your [00:09:00] pattern.
There's a hidden way that you lead that's shaping your money, your success, and your peace, and until you see it, you'll keep working harder than you have to. The Ascension Archetypes Quiz shows you in just three minutes what's been driving your business behind the scenes and what needs to shift so that you can finally experience the overflow you're desiring.
It's fast, it's free, and it will give you the language for why things feel harder than they should right now. Go now to movetomillionsquiz.com to find out which archetype is running your business today. My best-selling book, Move to Millions: The Proven Framework to Become a Million Dollar CEO with Grace and Ease Instead of Hustle and Grind, is now available on Audible.
That's right, you can listen to nugget after nugget, strategy after strategy, and chapter after chapter designed to help you to position your business for seven figures with grace [00:10:00] and ease instead of hustle and grind. Go to Audible today to get your Audible copy of Move to Millions. It was what I made when I was in corporate America before my bonus.
With my bonus, I made about $120,000 a year. And somewhere along the way, I internalized that $88,000 is what I make, and so I grew safe with $88,000, and I anchored in to $88,000 without even realizing it. And here's the thing about that $88,000. It was more money than my father made as an engineer working for GM, and I told myself consciously and subconsciously that I had made it, and I did so as if there was nothing more available to me.
And you already know that I believe that what comes out of your mouth comes into your life. I literally created a self-fulfilling prophecy for $88,000, also known as your money set point. But here's the other part of the story. Even at $88,000, I was [00:11:00] not building wealth, y'all. I was treading water because I was too busy looking the part.
I was putting more money on me than I was putting into investments. I drove a luxury car, I wore nice clothes and shoes, and I thought that wearing my wealth was the same thing as being wealthy. It wasn't. I did this because I didn't know any better, y'all. This is what I thought wealthy people did. And what I eventually had to learn and understand is that making money and building wealth require overlapping, but they are different behaviors.
You can become exceptional at generating income and still spend nearly everything you generate right? Those are the people who live paycheck to paycheck, right? You can make more and increase your lifestyle right along with your living, right? You can earn significant money and never build significant assets.
And yes, you can build a business that generates millions [00:12:00] of dollars in revenue a year while your personal net worth tells a completely different story. I don't wanna talk to you about making the move to millions and millions being your top line number. I wanna talk to you about making the move to millions and millions being your bottom line number.
And that is when I realized that the question couldn't simply be, how do I make more anymore? I needed to ask, what are my financial choices producing? And that, my friend, is cause and effect. And then I needed to ask an entirely different question. What does the wealth I say I want require from me? That is where compensation gets very, very interesting.
Now, at its simplest, cause and effect says that causes produce effects and effects arise from causes. That sounds obvious until we apply it to money, right? Most of us are very aware of the financial effects that we want. We want more money. We want more assets. We want more [00:13:00] options. We want enough wealth that work becomes a choice rather than a requirement.
But we do not always examine the causes we are repeatedly setting in motion. Here's what I mean. If you spend everything you earn, that causes an effect. If every increase in income becomes an increase in lifestyle, guess what? That causes an effect. And if you consistently invest a portion of what you earn into assets, guess what?
That too creates an effect Every cause creates an effect. Now, here's the thing, though, none of those behaviors guarantees a particular outcome because markets change, emergencies happen, businesses fail, people encounter circumstances that they did not create and were not prepared for, and they cannot control them.
Cause and effect should [00:14:00] never become a theology of blame. This is what I had to learn, y'all. It should become a practice of awareness. That's why I want you to know and understand these laws, because they are running through your life no matter what. So I want you to have an understanding of them. When a financial pattern keeps repeating, you should stop asking only, "Why is this happening to me?"
And start asking, "What choices, habits, and conditions may be helping to create this effect?" Let me repeat that one more time, 'cause y'all need to get this. What choices, habits, and conditions may be helping to create this effect? Now, scripture gives us a parallel image in Galatians six when Paul writes that what a person sows, that person also reaps.
The context is spiritual and ethical, not financial, so I'm not trying to turn the scripture into a promise about your investment portfolio, but the agricultural wisdom is sound and it is useful. [00:15:00] Seeds have consequences and seeds take time. That matters with wealth because often we experience the cause long before we see the effect, right?
The money you invest this month may not feel consequential this month The debt that you accumulate this month may feel manageable until the payments begin limiting your options, right? 'Cause you put it on your credit card today, you don't see the bill for it for at least 28 days. So we have to understand that some of the most consequential financial effects are delayed.
Some of your most important money decisions will feel insignificant when you make them because you are experiencing the cause long before you can actually see the effect. This, my friends, is why wealth requires that you think beyond today's bank account or portfolio [00:16:00] balance, and this is where compounding belongs in the conversation.
Compounding is not proof of a spiritual law. It is a financial mechanism, but it illustrates this so beautifully. Money earns a return, and the return remains investment, and now both have the opportunity to generate additional returns. The effect becomes part of the next cause, and money is not the only thing that compounds, right?
This is what I love about money and understanding money because financial knowledge can compound. Financial skillsets can compound. Relationships can compound. Wise decisions can compound, and guess what? Poor financial patterns, they compound too. So when we understand all of this, it really helps us to know and make decisions differently based on what it is that we wanna compound.
And this is why wealth is rarely about [00:17:00] one dramatic financial decision. It is often about what you repeatedly set in motion. There's that Aristotle quote that just ran through my mind. I'm probably not gonna say it correctly, but we are what we repeatedly do Right? Now, let's talk about compensation. This one is commonly taught as you'll be compensated according to the value you provide, and I do believe that there is useful business wisdom in that idea, but that is not the whole principle.
Ralph Waldo Emerson's famous essay on compensation deals more broadly with reciprocity, exchange, benefit, cost, action, and consequence. One of the ideas that are running through his essay is that benefits have costs associated and attached to them. What we receive comes with something required in exchange.
That is the law of compensation according to Emerson, and that gives us a fascinating [00:18:00] way to talk about wealth and money. Hey, I hate to interrupt the goodness that's happening right now in this episode, but I need you to do me a quick favor. If this episode is blessing your life and business right now, will you take a few moments and rate and review the show?
Your words help more millions-minded entrepreneurs find us and step into their next level. All right. Thank you so much. Let's get back into the conversation 'cause we're just getting started. Everybody wants the benefit of wealth, right? We want the freedom. We want the choice. We want the beautiful experiences.
We want the lavish and luxury vacations and choices and all the things. We want the ability to help our families, to give generously, to retire well, to fund our legacy and know that an emergency cannot destroy us financially, right? I know the statistics say that some crazy number of people have less than $1,000 in savings, right?
We wanna make sure that as we are building wealth, [00:19:00] no emergency can come and take us out. But I want you to ask yourself, what does obtaining and sustaining those benefits actually require? Because that, my friend, is the compensation question. Everybody wants the benefits of wealth, but guess what? Wealth has requirements.
The question is not only how much money do you want, the question is what does the financial life I say that I want require from me in exchange? Maybe it requires spending less than you are capable of spending for a period of time. Maybe it requires learning to invest Maybe it requires raising your rates.
Maybe it requires taking appropriate risks and building assets instead of buying another liability. Maybe it requires saying no when rescuing someone else financially compromises your own foundation. And sometimes it simply requires restraint. Here's what I need you to understand. Wealth is [00:20:00] not simply a reward.
Wealth has requirements, and please hear me. I am not saying more wealth requires more suffering. Mm-mm, that's not what I'm saying. Millions do not require pressure, fear, fragmentation, or sacrificing your peace. I am a living witness and example of that, okay? What I am saying is that financial choices do indeed have trade-offs.
If I consume everything that I earn today, I cannot invest those same dollars for tomorrow, right? If I want the benefit of an asset, then I also have to accept the responsibility of owning that asset. I own real estate, and if you own real estate, you know that sometimes things go awry in your properties.
It's an asset, but there are requirements of having that asset, right? And if I want an investment to experience returns, then I have to accept [00:21:00] an appropriate level of uncertainty or risk. And if I want financial freedom, then I have to build the financial conditions that make that freedom possible. Like, literally had this conversation with my financial team.
I said, "Listen, I just turned 50, and while right now I have no desire to retire, I wanna work differently," right? I wanna work smarter, not harder. My 50s are for freedom. But I wanna maintain my standard of living. So what do I need to do for the next 15 years, taking me to age 65, if at 65, I decide that I do indeed want to retire and not work anymore?
What do I need to do today? What is required of me today so that in 15 years I could live like I live today without any work, right? I would still probably have investments that are producing income and so forth and so on, but that is what I mean by this, right? And I want you to be thinking about that as well.
This is why you need to [00:22:00] understand these particular two laws, cause and effect and compensation. Now, because you are an entrepreneur, compensation also shows up in how you earn. You can work incredibly hard without creating significant economic value. Most people have undercharged, right? And you can create significant value without effectively capturing enough of it financially.
That's undercharging. Those are two different problems. If twenty years of expertise allows you to solve in two hours a problem that once would have taken you two months, your work did not become less valuable because your mastery made it easier. So you have to separate effort from value in order for that m-- to make sense.
Now, the market does not automatically pay the hardest working person the most money. We know that, right? I mean, look at education. Our teachers literally shape society, but they make the least. Let me not go off on a tangent and get on a sidebar. Uh, y- here's what I'm basically saying. Your [00:23:00] earning power can be influenced by the problem you solve, the value of that problem, how well you communicate your solution, how you price it, and how effectively you capture some of the value that you create.
Working harder is not the same as creating more value, and creating more value is not the same as capturing more value. So we have to understand all of these things, and if you confuse any of those three, then you can make a lot of money for everyone else except yourself. So it's really important that we understand how these laws work, and we govern ourselves according to these laws so that we can experience the abundance that we should experience because of these laws.
So increasing your income may not require asking, "How can I do more?" It may requiring asking, "How can I create, communicate, or capture more value?" And none of that necessarily requires that you work more hours. This is what I want you to get. Oh my gosh. I also want [00:24:00] you to remember that earning more is not the same as building wealth.
If you learn how to earn more and you never learn how to steward more, you can still end up with a financial life that looks very different from the wealth that you say that you actually want to bring into your life experience Take a deep breath in for me. I feel like you might be getting a little heavy, and I don't want that for you.
All right. So there's one more dimension of compensation that I wanna address because reciprocity naturally brings us to giving. Now, I believe deeply in generosity. I am a tither. I sow, I give, and yes, I believe generosity is a wealth strategy. I believe that money needs to move. We'll talk about the law of circulation in a separate episode, but I believe that money needs to move, and keeping money moving is how you keep money moving and flowing to you.
But we also need to understand that generosity can be a wealth strategy without becoming a transaction with God. [00:25:00] Now, again, I believe in sowing and reaping. I just don't believe that I get to hand God an invoice for the harvest. I don't give God a dollar and demand $3 back by Tuesday. I don't control the form, timing, or amount of what returns to me.
I give because I love giving and I believe in the principle of giving. But I absolutely think that giving brings something back to you. I believe money is meant to circulate, and I cannot recall a time in my life when my generosity left me without. Because I give freely, money always moves freely towards me.
2 Corinthians 9 tells us that whoever sows sparingly will reap sparingly, and whoever sows generously will reap generously. Spiritual law. Paul tells us to give willingly, and he describes God as the one who supplies seed to the sower and increases the resources available for continued generosity.
Proverbs gives us a similar [00:26:00] picture when it says that the person who refreshes others will also be refreshed. So there is a principle of return in scripture But I don't have to dictate what that return looks like. It could be financial, it could be opportunity, it could be relationship, it could be favor, it could be access, it could be wisdom, it could be provision, or it could be resources I could never have orchestrated on my own.
Listen, it comes back in a form that can be used in a way that helps you to produce more money. That's what I believe. But it might not be money directly. It might not be a check in the mail. I just have to trust that I can live with an open hand and an open heart and expect continued flow. Generosity can be a wealth strategy without becoming a transaction with God, is all I'm saying.
I believe, again, that we do have the ability to do that. And I believe that building wealth and being generous [00:27:00] belongs in this conversation as we are looking at these spiritual laws because I want you to learn how to relate to money in a way where you and money are like this, and money is always available and moving to you because you do not see money as something that is unattainable.
I believe that the more that I can receive, hold, and multiply responsibly, the greater my capacity becomes to circulate those resources intentionally. I don't want money merely accumulating around me. I want money doing something. I want my money to be having babies and making me more money. Now, some of the money, it gets held, right?
Some of it gets invested, some gets spent and enjoyed, some gets given, and some gets deployed into opportunities that can multiply it all over again. Again, this is circulation, and generosity is one of the ways that money continues to move. I give because generosity is a part of who I choose to be as a steward.
I give because I believe in the [00:28:00] power of sowing and reaping. I do not like what often happens in churches where people are guilted or feared into giving, but that might be another episode entirely Yes, there is a reason your strategy feels stalled, and I bet you didn't realize it's spiritual. Discover your divine wiring, which informs how you lead, where you sabotage, and how to shift in order to scale with the Move to Millions Ascension archetype quiz.
In less than three minutes, you'll learn what's really blocking your money, your momentum, and your mission. Take the quiz today at movetomillionsquiz.com. Have you grabbed your copy of the Move to Millions 90-day business growth planner? If not, what are you waiting for? Everything you need to take your business strategically to the million-dollar mark 90 days at a time is included for you.
We've left no stone unturned. It's the same planner [00:29:00] our Move to Millions mastermind clients are using. Grab yours now at movetomillionsplanner.com. I build wealth because wealth expands my capacity to sow, to serve, to invest, to enjoy, to build, and to give again I do this in partnership with God, not to manipulate God.
I don't give thinking that I'm gonna get. I give because I wanna give. That is stewardship with an open hand and a heart. Any way you wanna bless me, God, is what I'm after when I sow. Now, I wanna put these two principles together. Cause and effect asks, what am I repeatedly setting in motion with money?
Whereas compensation asks, what does the financial result I desire require in exchange? One makes me conscious of consequence, the other makes me conscious of exchange. Together, they put me in a position where I stop treating wealth as something that simply happens once I earn enough money. And let me be very, [00:30:00] very clear.
Wealth is not something that happens when you finally make enough money. Wealth is something your financial choices are either helping you to create or making harder for you to create, and it's happening right now. I believe that wealth is not something that happens when you finally just wake up one day and say, "Oh, I've earned this money," right?
I believe that you have to make the decision to steward the wealth, and you have to, in making decisions, the decisions to steward the wealth, put yourself in a position where you create an environment for wealth to constantly be surrounding you. That means that the person making $200,000 a year can be building more wealth than a person that's making a million dollars, depending upon their individual choices, right?
It means a bigger income does not automatically equal stronger financial positioning, [00:31:00] and it means that having the ability to buy something does not necessarily mean that buying it is going to serve your wealth. Listen, today I believe you put more in you than you put on you, right? So I'm not wearing my wealth anymore.
Sure, I have a few luxury pieces, but I am not wearing my wealth. I am putting my wealth into access that can make me more wealth. It means saving is not automatically wise if fear keeps you from ever deploying capital productively. If you have money sitting in a regular old bank account earning .00001% interest, shame on you.
At minimum, make sure you have a high-yield savings account, right? That's gonna be really important. Make sure that you have financial advisement. I am not a financial advisor. I don't play one on TV. But make sure you get one. I know an amazing one. If you want, shoot me a DM, and I will give you a referral.
It means that you have to become financially responsible, and it means that you [00:32:00] have to make decisions about money that puts you in a position to steward that wealth. Again, this is about stewardship, and these are the types of questions you need to ask yourself. What is this money for? What am I setting in motion?
What does this choice create? What does it cost? What benefit does it provide? What opportunity am I accepting or declining by making it? And does this decision support the financial life that I say that I want? This is how these principles actually become useful Now, I wanna give you the signs that will tell you whether or not your current relationship with cause, effect, and compensation may need a closer look.
Now, these are not proof that you are violating some invisible law. They are financial patterns that are worth you actually investigating. Sign number one: your income keeps increasing, but your wealth does not. You make more every single year, but your savings, your [00:33:00] investments, your assets, your liquidity, or your net worth do not meaningfully increase.
That does not automatically mean that you're irresponsible. That's not what I'm trying to say. But it does mean the causes underneath your earning and the causes that are underneath your wealth building may be two very different things. Sign number two: you believe making more requires doing more. Now, this is age old.
Many of us grew up and were taught and/or caught this belief, right? Every financial goal immediately becomes another client, another offer, another project, another hour. If your earning power is permanently tied to your personal labor, I hope you know that your income may eventually encounter the physical limits of your time and ability, right?
Sign number three: you [00:34:00] repeatedly make financial decisions based on what you can afford instead of what actually supports your wealth. Those are not the same thing, y'all. They are not the same question that you should be asking yourself. Being able to make the payment does not automatically mean that you should indeed make the payment, right?
It doesn't mean that the purchase serves the financial future that you say that you want. Sign number four: you want the benefits of wealth without examining their requirements. This is a big one. You want the freedom, but you do not know your freedom number. You want the investments, but you avoid learning about investing, or you completely entrust someone else to do the investing for you with no knowledge, which is very dangerous in any area of your life, right?
You want the legacy, but you have not addressed estate planning. You want the financial peace, but you refuse to look at your numbers. The desire may be real, but the [00:35:00] exchange has not yet been accepted. Now, if any of these feel familiar to you, this is not a mechanism of judging yourself. I just want you to get curious, right?
We're after the data 'cause remember, data governs our decisions, and our decisions lead to our dollars. Your money is giving you information, and this matters because high income can hide poor wealth-building patterns for a very long time You wanna ask me how I know? That's probably another episode. Now, when plenty of money is coming in, it's so easy to overspend, to neglect your reserves, to postpone investing, and you keep telling yourself that you'll handle it later because another check is coming.
Until your revenue changes, then your business changes, or you simply decide that you no longer want your lifestyle dependent on your ability to keep producing at the same pace. Ask me how I know that too, right? This is when the difference between income and wealth becomes [00:36:00] impossible to ignore anymore.
The goal is not merely to become a high-income entrepreneur. It's the truth. The goal is to become a wise steward of wealth. It is so important that you understand that, and it's important to note that the way that you are wired is going to influence how you relate to each of those two laws, right? You know where I'm going with this.
I'm talking about your Ascension archetype and the Ascension archetype quiz. Now, I wanna be very, very clear. Your archetype does not determine your financial future It can help you, however, recognize tendencies that may be influencing the financial causes that you are setting in motion and the exchanges that you are willing to make in order to experience them.
Now, if you have not already taken the Ascension Archetype quiz, I mean, really, I'm talking about it in every episode. What are you waiting for? It is going to [00:37:00] unearth so much for you. Literally, the heavens are gonna open, and you are going to see things so much more clearly. You can take the quiz right now.
It's free at movetomillionsquiz.com, and you'll learn which of the five archetypes is yours. If you are a performer, I want you to watch the relationship between visible success and actual wealth. You may spend readily on what communicates success while giving less attention to the assets and financial infrastructure that no one is actually seeing.
Your question is, am I building wealth as intentionally as I am displaying success? Oh, that's a good question. Hmm. If you are a producer, I want you to watch your relationship between labor and money. Now, you may be instinctively believing that every increase in income must be associated with more effort.
I'm here to tell you that is not the truth. Your question is, how can my expertise, assets, investments, systems, and intellectual [00:38:00] property begin doing some of the financial work that my labor has been doing? Oh, another really powerful question. If you are a path maker, I want you to watch your relationship with consistency.
Now, you may love the new opportunity, the next investment, the idea, or the direction, but become restless with the repetitive behaviors through which wealth is actually compounding. So your question is, what deserves enough time to mature before I redirect my resources? Again, another powerful question. If you are a powerhouse, I want you to watch your relationship with control.
Your ability to generate and manage money may make it really difficult to tolerate the uncertainty that can accompany investing, delegating financial responsibility, or allowing money to work beyond your direct [00:39:00] control. So your question, powerhouse, is where is control protecting my wealth, and where might control be limiting my wealth?
And last but certainly not least, if you are a prophet, I want you to watch your relationship between purpose and prosperity. Now, you may be deeply comfortable using money to serve others while being less comfortable intentionally building sustainable personal wealth. So your question is: Can building wealth itself become part of how I fund the assignment I believe I have been given?
All powerful questions. Knowing your archetype is an important part of your journey to wealth Listen, I didn't just create it 'cause I didn't have anything else to do. I created it because I've worked with enough entrepreneur, thousands of them, and watched the patterns that occur throughout the exchange of getting to the point where they are generating enough money to build financial legacy.
[00:40:00] Now, knowing how your divine wiring impacts the way you relate to money affects your stewardship, and that is why I am so committed to talking about the archetypes in every episode that I create. So I wanna give you three words that I want you to take with you this week as you continue to anchor into this episode: cause, cost, consequence.
Let me break that down for you. First, I want you to audit the cause. Choose one financial result that keeps repeating. Maybe your savings never grows. Maybe your lifestyle expands every time your income does. Maybe you keep accumulating credit card debt. Maybe your investment balances are growing beautifully, right?
It doesn't have to all be bad. I want you to ask yourself what repeated choices, habits, systems, circumstances, and behaviors may be contributing to that effect, right? That's first. Second, I want you to audit the cost. I want you to choose one financial result that you say you want, and then I want you to ask what it actually requires from you.
If [00:41:00] you want financial freedom, what amount of money, what amount of invested assets would support it? If you want to retire at a specific age, what needs to happen between now and then? That's the question I'm now asking my wealth advisor, although I don't know if I will ever actually retire, right? If you want to build generational wealth, what structures, investments, protections, conversations, and decisions does that require?
Do not only desire the benefit, become willing to understand what the exchange is and what is required in order to experience the benefit. And third, I want you to audit the consequence. Before a meaningful financial decision, I want you to ask what this choice makes possible and what it makes less possible.
This might look like, "If I spend this money, what am I choosing? If I invest it, what am I choosing? If I hold it, what am I choosing? If I give it away, what am I choosing?" [00:42:00] There is no universally correct answer. The goal is that you become a conscious steward. Cause, cost, consequence. That framework will help you to move from simply making money to intellectually positioning yourself to build wealth.
And this is where these principles connect naturally to the work that we are doing inside of Sanctuary Core, because you can understand everything that I have shared with you today, and you can still repeat financial patterns you intellectually know that do not serve you. You can know that you need to invest and still have your survival brain react to uncertainty.
You can know you want to retain more money and still feel compelled to spend, rescue, prove or overgive when abundance arrives. That is work you have got to do in your nervous system to expand your financial capacity and raise your money set point so that more money actually feels normal to [00:43:00] you.
Sometimes you need a better financial plan or the right financial professional, but the person implementing the strategy does matter too. Which is why inside of Sanctuary Core, we examine the beliefs, the identity patterns, and the internal responses that influence how you receive and steward success so that you can make decisions from wisdom rather than automatic reaction.
Because the goal is not simply to make millions, y'all. The goal is to become a sanctuary where millions naturally belong without fragmenting your life in the process. Can I get a witness up in here? Now, if you know that there's deeper work that you are ready to do, then I want you to go and learn more about Sanctuary Core at incredibleoneenterprises.com/sanctuary.
Now, before we close, I wanna leave you with this. Hard work does not create a debt that life is obligated to [00:44:00] replay in money. Let me say that one more time 'cause I wanna make sure you caught it. Hard work does not create a debt that life is obligated to repay in money. You can be disciplined, faithful, excellent, generous, strategic, and hardworking, and still encounter financial outcomes that you did not expect.
These spiritual principles are not promises that you can control every outcome. They are invitations to become more conscious of what you can steward. That's what I want you to get and understand. You can steward what you earn. You can steward what you spend. You can steward what you invest. You can steward what you save.
You can steward what you give away to others. All of this is about stewardship. I want you to understand this because you can steward [00:45:00] and protect all of it, and as you do, you can become increasingly conscious of the causes, the costs, and the consequences that are attached to each of those choices. Take a deep breath in for me.
That, my friend, is where your power is. Now, there's three things that I want you to do this week. First, of course, if you have not done so already, I want you to go take the Ascension archetype quiz at movetomillionsquiz.com. Second, I want you to perform the cause and the consequence audit on one area of your financial life.
And third, I want you to share this episode with the high-achieving CEO who knows how to make money, but is ready to become much more intentional about building their wealth. They are going to thank you so much for sharing [00:46:00] this with them. Now, as we do with every episode, I wanna invite you to anchor in to what you learned in this episode by putting your dominant hand on your heart and your other hand on your belly so we anchor in fully.
And I wanna invite you to repeat after me. I am a wise and intentional steward of wealth. I make financial choices today with awareness of the future they can help me to create. I earn with integrity, spend with intention, save with purpose, invest with wisdom, and give with an open heart. And I protect what I am building.
Money is a resource I steward in service of my life, my vision, and my legacy. I am ready, I am worthy, and I am capable of building, holding, multiplying, enjoying, and deploying extraordinary wealth. Woo! I [00:47:00] hope that felt as good to you as it feels to me. I am so grateful that you are with me during this series.
I cannot wait to see you next week for our next part. And until next time, remember, millions are your birthright. And to access them, you need only move. I'll see you next time. Take care. Thank you for tuning in to the Move to Millions podcast. Every legacy-led CEO has a divine design, and yours is waiting to be revealed.
Take the Ascension archetype quiz at moveтомillionsquiz.com to uncover how you're wired for wealth and what needs to shift to make your next move with grace and ease, instead of hustle and grind. And if this episode blessed you, do me a favor, subscribe, rate, and leave us a review. And always remember, millions are your birthright.
And to access them, you need only [00:48:00] move.
