A Different Kind of Financial Advice
In a world saturated with financial advice—from complex investment strategies to stringent budgeting apps—we are often taught to look outward for solutions. We seek more information, better opportunities, or the perfect system to manage our money. Yet, what if the most profound key to unlocking lasting financial well-being isn't found in a spreadsheet or a market forecast, but within the very landscape of our own minds and memories? What if the persistent financial struggles we face—the debt that lingers, the opportunities that slip away, the constant anxiety about scarcity—are not merely external circumstances but manifestations of internal imbalances?
This is where a powerful, ancient Hawaiian healing practice known as Ho'oponopono offers a radical and transformative perspective. Ho'oponopono is not a get-rich-quick scheme; it is a profound spiritual healing process for releasing the energetic and karmic blocks that prevent us from experiencing the natural flow of abundance. It posits that our external reality, including our money situation, is a direct reflection of our internal state. By taking 100% responsibility for everything in our experience, we reclaim the power to clean, clear, and change it. This article will guide you through applying the principles of Ho'oponopono to clear financial blocks and consciously attract abundance into your life, transforming your relationship with money from one of stress and striving to one of peace and permission.
Understanding the Roots: Ho'oponopono as a Practice of Reconciliation
To fully appreciate its application to money, it's essential to understand the depth of traditional Ho'oponopono. Meaning "to make right," it was historically a familial practice facilitated by a kahuna (healer) to restore harmony within a community. When relationships were strained by wrongdoing, error, or resentment, the family would gather. Through confession, repentance, forgiveness, and prayer, they would release the "hala" (errors) that were creating dis-ease. The goal was not to assign blame, but to sever the toxic ties of negative memories and restore "pono"—rightness, balance, and connection with the Divine.
The modern, self-identity version of Ho'oponopono, popularized by the late Dr. Ihaleakala Hew Len, distills this wisdom into a personal practice. Dr. Len famously helped heal an entire ward of criminally insane patients without ever seeing them one-on-one. Instead, he reviewed their files and repeatedly applied the Ho'oponopono process to himself. His premise was that their suffering existed as shared data or memories within his own consciousness. By cleaning this data, he was healing the part of creation that he was responsible for—them. The results were nothing short of miraculous, proving the power of this Hawaiian healing practice to effect change from the inside out.
The Core Principle: 100% Responsibility for Your Financial Reality
The most challenging yet liberating tenet of Ho'oponopono is taking 100% responsibility. This does not mean you are to blame for your financial hardships. Blame implies fault and judgment. Responsibility, in this context, means "response-ability"—the ability to respond. It is the recognition that you are the co-creator of your experience. Every thought, memory, and belief you hold about money is actively participating in shaping your financial reality.
If you perceive a lack of money, a difficult client, or an unexpected bill, the practice asks you to look within and say, "What is going on inside of me that is causing me to experience this data? What memories are replaying that manifest as this financial situation?" The problems "out there" are simply projections of the problems "in here." This shifts your power base dramatically. You are no longer a victim of the economy, your boss, or your upbringing. You are the one who can initiate healing. When you accept that the financial blocks you perceive are internal memories seeking release, you can begin the true work of healing your money consciousness.
The Four Key Phrases: The Mechanics of Financial Healing
The practical application of modern Ho'oponopono revolves around four simple yet profoundly potent phrases. When applied to money, they become a direct line to clear financial blocks and open the channels to receive. They are not a magic spell but a prayerful invocation that cleans the lens of your perception.
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I'm Sorry: This is the starting point of taking responsibility. By saying "I'm sorry," you are not apologizing for a personal failing. You are expressing remorse that these erroneous memories and beliefs ("I'm not good with money," "Wealth is corrupt," "There's never enough") are active within your being. You are acknowledging your unconscious participation in the problem. For example, when a bill arrives that causes you anxiety, instead of resisting it, you can say, "I'm sorry that the memory of scarcity within me is manifesting as this feeling of anxiety towards this bill."
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Please Forgive Me: This is a request directed to the Divine, to Life itself, to God (however you understand it). You are asking for forgiveness for holding onto these limiting memories. You are not asking for forgiveness from the money or the bill, but from the Divine for having allowed these errors to cloud your perception of the abundant reality. "Please forgive me for the memories of lack that I have carried and projected onto my financial life." This step is an act of humility, opening the space for healing to occur.
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Thank You: Gratitude is a powerful frequency that immediately shifts your state. "Thank you" is expressed before you see the external result. It is an affirmation of faith in the healing process itself. You are thanking the Divine for hearing your prayer, for the cleansing that is already taking place, and for the abundance that is your birthright. "Thank you for clearing this financial block and for restoring the flow of abundance." This gratitude is a powerful magnet for more to be thankful for.
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I Love You: This is the most potent force in the universe. Saying "I love you" to the money, to the bill, to the feeling of anxiety, and to the memories themselves, transmutes the dense energy. You are not loving the problem; you are showering the Divine essence within the problem with love, thereby returning it to its original, perfect state of zero—a state void of limiting data. "I love you, money. I love you, bill. I love the Divine in this situation." Love is the ultimate cleanser in this Hawaiian healing practice.
How Financial Blocks Form: The Memory vs. Inspiration Paradigm
Ho'oponopono teaches that we are governed by two forces: Memory and Inspiration. Memories are the accumulated data of the past—all our experiences, traumas, and inherited beliefs—that replay like old computer programs, creating our present reality. Inspiration, conversely, is a fresh, new download from the Divine.
Our financial blocks are almost always memories. Consider a few common examples:
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Inherited Beliefs: You may have absorbed beliefs from your family like "Money is the root of all evil," "Rich people are greedy," or "We're just not lucky with money." These become subconscious programs that dictate your financial comfort zone.
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Past Trauma: A parent losing a job, a period of poverty, or a humiliating financial mistake can create a core memory of insecurity and fear around money.
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Societal and Cultural Programming: Messages about debt being normal, or that you must "work hard" and struggle to earn money, can create subconscious resistance to receiving with ease.
When you operate from Memory, you are on autopilot, reacting to financial situations with pre-programmed fear, scarcity, or avoidance. This is the state of being "stuck." The goal of Ho'oponopono is not to figure out which specific memory is causing the block (though insights may arise), but to continuously clean the data, whatever it may be. As you clean, you erase the static of these memories. This allows you to become a clear vessel for Inspiration—those divine impulses that lead to perfect, effortless action. Inspiration might be the sudden idea to call a friend who offers you a job, the impulse to take a different route where you find a lost wallet, or the quiet knowing of a wise investment. This is how you truly attract abundance—not by forcing it, but by getting out of your own way.
A Practical Guide: Applying Ho'oponopono to Your Daily Financial Life
The theory is beautiful, but the power is in the practice. Here is how you can integrate this Hawaiian healing practice into your everyday financial activities.
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When Paying Bills: Instead of feeling resentment or anxiety, use this as a prime opportunity for healing. Hold the bill or look at the screen. Take a quiet breath and say inwardly:
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"I'm sorry for any memories of lack connected to this transaction."
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"Please forgive me for holding these beliefs."
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"Thank you for the service or product I received, and for clearing this block."
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"I love you, and I release this with love."
This transforms a tense moment into a powerful cleansing ritual, changing your energy around giving and receiving.
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When Checking Your Bank Account: Before you look, set an intention. "Divine Creator, please clean whatever memories I have that are showing up as my current balance. Show me only what I need to see for my highest good." As you look, if a feeling of fear or lack arises, gently apply the phrases to that feeling. "I'm sorry, Please forgive me, Thank you, I Love you." This practice disconnects the emotional charge from the number.
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When Feeling Financial Anxiety or Panic: Don't try to suppress the feeling. Acknowledge it. Place your hand on your heart and say the phrases to the anxiety itself. "I'm sorry that this memory of fear is surfacing within me now. Please forgive me. Thank you for this opportunity to clean. I love you." This compassionate approach allows the energy to move and dissolve, rather than solidify into a financial block.
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When Attracting New Income or Opportunities: As you send out proposals, go for interviews, or launch a new product, clean continuously. Say the phrases for the clients, the opportunities, and the money itself. "I clean on any memories that would prevent the perfect, inspired opportunities from reaching me. I love you, money. Thank you for coming to me in perfect, harmonious ways." This clears the path for you to attract abundance without subconscious self-sabotage.
Deepening the Practice: Beyond the Four Phrases
While the four phrases are the cornerstone, the essence of Ho'oponopono is cleaning. Other powerful tools can be incorporated, especially when dealing with deep-seated financial blocks.
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The Blue Solar Water: Dr. Hew Len often spoke of the power of blue solar water. Simply put water in a blue glass bottle (cobalt blue is recommended) and leave it in the sun or under a light. Drinking this water throughout the day is a powerful physical form of cleaning. As you drink, you can intend that it cleanses the memories related to money stored in your body and subconscious mind.
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Candle Meditation: Light a blue candle. As you watch the flame, recognize it as a symbol of the transmuting power of the Divine. Mentally offer all your financial worries, debts, and fears into the flame. Watch as the flame transforms the physical wax and wick into light and heat. Affirm that your financial blocks are being similarly transformed into light and freedom. This is a potent visual healing technique.
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Writing as Cleaning: If you are struggling with a specific, persistent financial story (e.g., "I'll never get out of debt"), try writing it down. Write out all the fears, angers, and blame. Then, go through the text and apply the four phrases to each sentence. You can even physically erase the text or burn the paper as a symbolic act of releasing the data.
The Journey from Scarcity to Abundance Consciousness
As you consistently practice this Hawaiian healing practice, a profound shift begins to occur. You start to move from a consciousness of scarcity to one of true abundance. Scarcity is the voice of Memory, constantly whispering, "There's not enough. Protect yourself. You must struggle." Abundance, in the context of Ho'oponopono, is not just having a lot of money; it is a state of being in the flow of the Divine. It is the deep, unshakable knowing that you are always provided for, that the Universe is infinitely abundant, and that you are a perfect conduit for its expression.
This state of zero—free from the data of the past—is where miracles happen. This is where you attract abundance not through force of will, but through the gentle, powerful pull of alignment. Money becomes not a goal in itself, but a natural byproduct of your inner cleanliness and harmony. It flows to you and through you with ease, because you have removed the internal dams that were blocking it.
Conclusion: Your Invitation to Financial Freedom
Ho'oponopono offers a path to financial peace that is radically different from anything you will find in a textbook. It is a journey of healing, not of acquiring. It is a practice of releasing, not of accumulating. By taking 100% responsibility for the memories you carry about money, you step into your true power as a co-creator of your reality.
You begin to clear financial blocks you didn't even know were there. You start to attract abundance in ways that feel effortless and inspired. This ancient Hawaiian healing practice is a gift of remembrance—a reminder that your true nature is whole, perfect, and abundantly provided for. The only thing required is your willingness to pick up the simple, profound tool of cleaning and say, from the heart, "I'm sorry, Please forgive me, Thank you, I Love you." Your relationship with money is waiting to be healed. The journey begins within.
🌸 About Neeti Keswani
Neeti Keswani is the founder of Plush Ink and host of the Luxury Unplugged Podcast, where luxury meets spirituality. As an author, storyteller, and self-improvement coach, she helps conscious creators and professionals align with purpose, identity, and abundance through mindset transformation and emotional healing.
Her mission is to empower people to live with intention, authenticity, and joy — blending inner work with outer success.
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