047 - How to Create Financial Freedom on Demand


Looking at my money through the lens of spirituality is the one thing that’s helped me experience greater financial peace. In this episode, I share how my growing awareness that there is so much more than just our individual physical bodies, and that we’re all part of a greater collective has helped me to feel less stressed out and worried about ‘not having enough money’. If you find yourself stressing or worrying about money constantly, I hope this episode will help expand your perspective and bring you peace.


Welcome to another episode of The Financially Free Podcast!

This is episode 47, which means I’ve been doing the podcast for almost a year now and I have no plans on stopping anytime soon! 

It seems like time has gone by so fast, and I thought it’d be good to take some time to reflect on my financial journey and share the lessons I learned with you in the hope that you can apply them as well to get the results you want.

Those of you who listen to my podcast I’m guessing are listening because you want to get better with your money. 

So do I and that’s why I started this podcast in the first place - to share everything I’m learning about how to be financially calm, confident, and successful with you.

If you’ve been following me for a while, you’d have heard my story about how I got into this whole business of money in the first place - it was because of the 6-figure business debt I found myself in, becoming the breadwinner at the time, then being let go from my job, losing our family’s only source of income which then led me down the slippery slope of financial stress. Since then, I’ve been sharing whatever’s helped me to get back up to create a life of financial freedom, peace of mind and security.

What I’ve learned over the past year and actually even longer because my journey to get out of financial anxiety started in 2017. It was November 28, 2017, that’s when I joined Ramit Sethi’s Zero to Launch program. I thought then that my path out of debt was to make more money by launching my side business to make extra money on the side of my day job and create another income source for financial security after having previously lost our single source of income.

And that’s what you always hear people say - to be financially free, you must have multiple sources of passive income.

Well the one thing I learned is that there’s no such thing as passive income - I mean for most people, I’m not talking about people who perhaps have an inheritance of say property or can invest in property that they then rent out for passive rental income - even that isn’t totally passive because as a landlord, you have to deal with issues that come up with your property or hire someone to help you manage your property.

For most people, the idea of having multiple sources of income requires you to spend time, a significant amount of time upfront building that machine that’s going to generate your passive income streams - whether that’s through investments where you need to set aside an amount of money that earns you some form of income stream like dividends, or a side business that brings in consistent income. And I can tell you from firsthand experience that building a side business can sometimes feel like a fulltime job on its own! It’s definitely not passive!

So getting back to today’s topic on reflecting on the lessons I learned on this journey to financial freedom. 

What I’ve learned is that money is more than just the dollars and cents or whatever currency you use to buy things or services. 

Money is a form of energy and it’s spiritual.

My quest to make more money so that I can pay off our debt, save for our retirement, pay for our kids’ college and get a house with enough space so we can stop renting taught me that money is more than just the physical hard cash.

I mean, sure it is the hard cash, and it’s also not.

So while I started off with all the usual things like learning how to invest, save, budget, make more money and all that, I realized over time, that in order to have more money, I’m going to have to become a person who has more money. 

Being the person I’ve always been up to this point is what created my world, which was a world that definitely brought me some success for which I’m very grateful for, but it also shone a bright light on areas in my life that I didn’t like.

So while I was somewhat successful in my education and career up to 2016, right before I embarked on my journey to change my financial life from 2017, there were other parts of my life that I wanted to change. For one thing, I wanted to get out of debt. I also wanted to stop fighting with my husband about money all the time. I wanted financial security, to have more time with our kids and to do something I love. At that time, I wasn’t sure what I wanted to do, but I knew it wasn’t what I was doing, which was climbing the corporate ladder. I had been working on advancing in my career all those years but I had reached a point and didn’t like where my career was heading. It may have been a dream come true for some people, but it just wasn’t my dream. While the money was nice, I knew I could make even better money doing something I love, even though I had no idea what it would be.

As I took one step at a time - with lots of trial and certainly lots of errors along the way, my purpose slowly began to take shape and form. I discovered that I loved training, coaching and inspiring others, and I’ve always been interested in personal development and self-improvement. So when my interest in money came into the picture, I thought I’d teach others about money and creating a life of financial freedom! And that’s what I did - I shared the knowledge I gained about investing, budgeting, saving, debt, credit cards, and all that financial literacy stuff. I even got my certification as a Financial Education Instructor. 

But somehow, that still felt a bit off - something was missing. 

On 3 August 2019, I made another significant investment in myself by joining James Wedmore’s Business by Design program. I had been drawn to James’ spiritual approach to business. I liked that James is a hugely successful business person, making 8 figures a year, and yet adopted a spiritual approach to money and business.

Over time, I started exploring this concept of spirituality more. To be clear, when I say Spirituality, I don’t mean religion.

According to Oxford Dictionary, Spirituality is,

“the quality of being concerned with the human spirit or soul as opposed to material or physical things.”

In other words, Religion is a specific set of organised beliefs and practices, usually shared by a community or group. 

Spirituality is more of an individual practice, and has to do with having a sense of peace and purpose. Spirituality is an experience of connection to something larger than you, where you’re living everyday life in a reverent and sacred manner.

In other words, my business and how I spend my time would be a means for me to express my purpose in this world. It would be a way for me to create income and impact in the world.

This really resonates with me and it all seems to finally fit. 

I’d always been drawn to Spirituality. Whether it was through exploring religion, or Yoga, Meditation, Tarot, or crystal healing, I was always fascinated with the metaphysical realm. These were all different ways of expressing spirituality. Now, I’m learning all about Mindfulness Based Stress Reduction or MBSR by taking a certificate MBSR, which is an eight-week evidence-based program that offers secular, intensive mindfulness training to assist people with stress, anxiety, depression and pain.

My fascination with spirituality became something that I now know with certainty with the passing of my dad. I might creep people out, but I sense my dad near me all the time and we have conversations. Ok there, I said it. I’d always been afraid to talk like that, my kids roll their eyes and tell me I should be locked up. But that’s how far into the rational that we, and our education system has gone. 

I know that the metaphysical realm is real because we can now measure it through advances in medical technology like the EEG or ECG. We can measure the waves and frequencies of our thoughts and brainwaves and our heart giving off electrical activity. Everything in the universe is energy, which vibrates at different frequencies or wavelengths which we can measure. In most of my life, I’d only been exposed to reality in terms of the physical world of matter of what we can see and touch. But of course, Albert Einstein had already proven that energy and matter are the same thing with his famous theory of special relativity where E = MC2.

But when it comes to talking about money and sharing what I had been learning about money, I was apprehensive about linking money with spirituality. I thought it would be too far out there, or ‘woo-woo’. I mean, how can something as rational and logical as money be associated with your life’s purpose, manifestation and things of the spiritual and metaphysical realm? 

It wasn’t until I started researching and studying more about the linkage between the metaphysical and physical realms that it started making sense to me. It all just boils down to goal setting and goal achievement. But because we’re usually not taught to approach goal setting and achievement in business through a spiritual lens, and instead to just approach it from a purely rational and logical approach, many people get frustrated when they don’t achieve their goals and they give up and say it’s not possible to transform their dreams into reality.

Actually, once you apply this filter of spirituality to your goals, whether it’s your financial goals, career or business goals, relationship goals or any other goal you’re going for, challenges no longer become a source of frustration. They are actually a source of opportunities. 

Understanding and applying spirituality to money helped me experience a sense of calm, confidence and peace of mind that no rational approach to money ever could. That’s because when you apply a purely rational and logical approach to money, it’s easy to get discouraged and anxious when the numbers don’t add up. 

For example, you know to live the lifestyle you want, you need $10k a month. But you’re only bringing half of that. To think you have to double what you bring in can be intimidating. It can also be discouraging. You may end up looking for ways and means to cut your expenses, reduce your spending and deprive yourself of living the quality of life you want so you can live within your means, right? You can also look at how to double the money you now make. You can ask for a raise, look for another higher paying job, get a second job, start a side business. There are all these different ways to make money. All of which could take some time. In the meantime, you’re still living your $5k life, and having to pay the bills that you have to pay. So how do you remain calm instead of feeling stressed out right now as you’re working towards your goals?

The answer lies in applying the lens of spirituality to your life and your money. 

What do I mean by this? 

Achieving your financial goals simply requires you to translate your ideas of what your dream life would be, which exists in the metaphysical realm, into your physical reality. Simple right?

The idea is simple, but you have to spend time and energy to make this happen.

For me, I used to think spending my time and energy climbing the corporate ladder so I could earn more would bring me financial security and safety.

Until I was let go from the job and despite being highly educated, was unable to keep my money and found myself in a 6-figure business debt. 

In other words, financial security doesn’t come from anything external.

If financial security doesn’t come from the external physical world, where does it come from then?

I realised it came from a deep confidence in myself that I have what it takes to translate any of my thoughts and ideas into my physical reality. In other words, I could create money and financial freedom on demand. 

What could you fear if you knew for sure that whatever you wanted, you can create. Wouldn’t that feel like some sort of superpower?

And it is. It’s the one fundamental superpower that all of us human beings have. That means I have it, and so do you. You’re capable of creating whatever version of reality in your physical world that you want. 

But because we’ve become so accustomed to instant gratification and high speed internet that we’ve come to take for granted that all things take time. 

I’m reminded of that quote by Lao Tzi, 

‘Nature does not hurry, yet everything is accomplished.’

It takes time for a seed to grow into a plant or tree.

It takes time when you’re moving your thoughts from the metaphysical realm into the physical realm.

I decided that I’d spend my time and energy getting reacquainted with my superpower of transmuting energy from the metaphysical world into the physical world so that I could become someone who could create whatever I wanted in my life. Financial freedom, time freedom, an amazing marriage, a connected and bonded relationship with my kids and family. Basically anything my heart desires, I would know how to create.

The first thing to do in order to achieve this feat is to understand how the metaphysical world works. For this, I looked to quantum physics and learned about the universal laws. 

From quantum physics, we know that everything is matter and when we break matter down, we get atoms. And breaking atoms down further, we get to the subatomic level where everything is energy. We know this now because we’re at a stage in science where we can measure this. So even though we can’t see it, it doesn’t mean it’s not there. Even though I can’t see it, your brain and heart are emitting electrical energy which can now be measured by an EEG and ECG respectively.

The universal laws are ancient laws associated with Ho'oponopono, a meditation for freedom originating in ancient Hawaiian culture. Some of the laws are also attributed to hermetic philosophy going back to ancient Egypt. We also see these principles in all the major religions. There are 12 universal laws which I won’t go into detail in this episode. But I’ve found that just about everything I don’t quite understand in life can be explained by one or a few of these universal laws. As a skeptic, the biggest proof for me was seeing these universal laws working in my own life.

Albert Einstein has said that,

“We see a universe marvelously arranged, obeying certain laws, but we understand the laws only dimly,” 

And on another occasion he said, “Our limited minds cannot grasp the mysterious force that sways the constellations.”

While I could spend my time and energy trying to proof or disproof spirituality, I choose to use what I see to be true in my own experience and share them with you.

Here’s what I found to be true for me.

  • Turning your dreams which exist as ideas and thoughts in the metaphysical world into physical reality is simple, but it’s not always easy. As Dr Maria Nemeth says, there’s trouble at the border between the metaphysical and physical realm. When you try to cross from the metaphysical realm to the physical realm, trouble arises. This trouble comes in the form of fears, doubts, challenges where you may not have the answers or solutions, set backs, disappointments, not knowing when you will achieve your goals, or if you’re doing the right thing. Needing certainty and predictability comes from our rational minds. 
  • What helps us navigate crossing this border is knowing what our purpose is, what we’re here to do, and what truly matters to us. Once we are clear about our purpose, then all the trouble we encounter at the border takes on meaning. There is a reason why we encounter such trouble, it is to help us live out our purpose fully. When you’re clear about why you have to do something, then you don’t waver at the first sign of trouble at the border. You’re able to press on and keep going, knowing that it’s just something you have to do.
  • Applying the universal laws helps our limited minds understand and make sense of what is happening. When despite our best efforts, things don’t go our way - there’s the law of polarity, the law of relativity and the law of rhythm to explain that. After learning about the 12 universal laws, I realised almost everything that happens can be explained by at least one and usually a few of these laws.

I realised I could apply this lesson of transforming any thought and idea from the metaphysical world to the physical world to my financial life too. And so can you.

Here’s how you can do it.

First, get clear on how you want to live your life. What would that look like? If your first answer is more money, maybe imagine what life would look like when you’ve had all that money, then what? Imagine living that life every single day for the rest of your life. Would that really be how you want to spend your time? 

Understand that getting from where you are now to where you want to go is simple, but not always easy. I mean easy in the sense that you may not always know the next 10 steps to take. Or you may not always be willing to take those steps when you do know the steps. The uneasiness comes from not having certainty or guarantees that what you do will work out exactly as you envision it to. 

Finally, the thing that really helped me overcome my financial anxiety and find peace is applying the universal laws to my life. We all know that getting your financial life in order can take time. For some of us, it could take years. While you’re working through your money issues, it helps to apply the universal laws because they help you to see that whatever is happening in your life, is happening for a purpose. So it’s not a problem. It’s just there to help you grow and live a life of joy and fulfillment, no matter what your circumstances are. They are there to help you shift your interpretation of your physical reality. So you can learn the lesson you need to learn in order to live a fulfilling and joyful life.

We live in the world of our feelings and our feelings are a result of our thoughts. And we act based on what we’re feeling. So it goes from thought, to feeling to action. And it’s action that gets results. When we’re angry because we think someone offended us or hurt us, we act angrily. When we’re happy because of a happy memory or perhaps an event that we interpreted to be a happy event, we act happily. Even by saying this, I’m sure you can picture how you behave when you’re angry versus when you’re happy. Very different actions because of very different feelings. And those actions get us different outcomes and results. So it’s the same with how we think about our financial life. 

How you think about your money and finances will cause you to feel a certain way and therefore act in accordance with that feeling. And that’s why money is more than just the dollars and cents. It’s how you’re allowing money to make you feel and therefore how you act and behave with and around money and ultimately, what you get, the financial outcomes and results are just a by-product of your actions that came from your feelings which arose from your thoughts.

Having an understanding of the universal laws and how everything works in our metaphysical world helped me shift my thoughts, and therefore my feelings about money, relationships, people, career, business and even how I felt about myself which in turn that allowed me to then act differently, do things differently and therefore get the results I wanted.

So those are your 3 action steps:

  • Get clear on how you want to live your life. How do you want to spend your time for the rest of your life? What would you like to be doing, really? I mean after the vacations, after the shopping spree, the manicures, and all that. After all that, what would you be doing day in and day out that you could do for the rest of your life?
  • Get comfortable with not knowing how everything is going to work out. Or what steps you should take to get to where you want to go. You’re not going to know every step, there will be mistakes and setbacks along the way. But there’ll also be wins and fulfilment if you live your life according to what you know you’re meant to do here.
  • Finally, shift your perspective. Use the universal laws to help you see a different interpretation of what’s happening in your life. This is the starting point to begin seeing dramatic changes in your life. First you start with changing a thought because you’ve changed the way you’ve interpreted something in your life. Then you feel the emotion as a result of that thought. And you act according to that feeling. Then watch what happens. Try that in different areas of your life, then just sit back and watch. You will be pleasantly surprised by the results!

So there it is. It took me quite a while to decide if I would share this episode with you. It’s a little uncomfortable to be talking about spirituality with money - for me anyway, and I know that’s just my interpretation. 

But I thought it’s very timely since it’s coming to a year of me talking to you on this podcast. And it’s what I’m drawn to share with you because this is what’s really made the difference to my financial life. 

Yes, I’m still paying off debt, yes, I’m still saving for our retirement, our kids' college education, and our dream home. But it’s what’s helped me stay calm, centred, and confident while doing all this and knowing that no matter what others might say, or what happens in our lives, I’ll have what it takes to make everything I want happen. And actually, who is to say what I want isn’t just a very limited version of what I’m meant to be anyway? Remember Einstein said, 

“Our limited minds cannot grasp the mysterious force that sways the constellations.”

So I’m keeping my options open and just enjoying life as it unfolds - taking the thorns with the roses!

So until next time, take care, try these 3 steps out and let me know how it goes for you.

I’ll speak to you again soon!

If you liked what you heard in this episode and want to learn more about:

The universal laws

Goal setting & goal achievement

How to transform your dreams into reality

To create a life of financial calm, confidence & freedom, then I’d like to invite you to my program, Stop Money Stress.

You can find out more at twopointzero.me/stopmoneystress


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The Financially Free Woman Podcast Host


The Financially Free Woman Podcast was launched in November 2020 during the COVID-19 pandemic to share the stories of everyday people making a living doing what they love. While training her students in leadership and mental resilience, Sharon noticed the rising level of financial stress and anxiety experienced by many of her students. It dawn on Sharon that this was an opportunity for her to share how she overcame her own financial anxieties triggered by her personal experience with a 6-figure business debt and being let go from her job as the family's primary breadwinner. She began sharing everything she learned about mastering not just the practical side of money but also her mindset around money. Through this work, Sharon began meeting and building a community of women creating and living their dream lives. The Financially Free Woman Podcast is a collection of stories, practical tips and strategies to help you discover your passions, and use them to make a lucrative living. Imagine a life where you spend your time doing what you love and getting paid well for it! That's exactly what these women featured on the podcast are doing and they tell you how! Get inspired and start creating your own your dream life!


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