By Neeti Keswani — Business Storytelling Coach | Ho’oponopono Practitioner | Host of Luxury Unplugged Podcast
Introduction: Clearing the Way for What’s Already Yours
What if the abundance you seek isn’t somewhere out there—but already within your energetic field, waiting for you to claim it? For so many of us, the struggle around money isn’t just logistical—it’s emotional, spiritual, ancestral.
We carry guilt around wanting more. Shame from past mistakes. Scarcity is inherited from generations before us.
In my work as a Ho’oponopono practitioner and Business Storytelling Coach, I’ve helped countless clients move from financial fear to energetic flow—not by working harder, but by healing deeper. This blog is your invitation to do the same. With the Ho’oponopono prayer for money, you’re not asking for what you don’t have—you’re clearing space to receive what’s already meant for you.
https://www.youtube.com/watch?v=t_JCr2pDX5E&feature=youtu.be
Join our 30-day self-improvement challenge Newsletter
Subscribe to get 30-day challenge content by email!
Subscribe to respect your privacy. Unsubscribe at any time.Built with Kit
Q1: Why do so many of us feel blocked around money?
Because money isn’t just a transaction—it’s tied to stories. Stories of unworthiness, struggle, shame, or fear of success. These aren’t just financial—they’re emotional imprints. In coaching, we often uncover that the real block isn’t a lack of opportunity, but the belief that you’re not worthy to receive. Ho’oponopono helps dissolve that belief from the inside out.
Q2: How does the Ho’oponopono prayer work specifically with money energy?
When you say “I’m sorry. Please forgive me. Thank you. I love you.” you’re not just speaking into thin air—you’re addressing the emotional residue and energetic programming stored in your subconscious around wealth. The prayer isn’t about begging for abundance; it’s about removing the interference between you and the flow that’s already available to you.
Q3: Can you share a story of a client who used this practice to shift their financial reality?
One client was constantly underpaid, undercharged, and afraid to ask for more. We began with daily Ho’oponopono meditations focused on her relationship with receiving. Within weeks, she received three new clients and was finally paid what she deserved. The shift wasn’t about business strategy—it was about emotional and energetic alignment. I shared her journey on the Luxury Unplugged Podcast because it inspired so many others to do the same.
Q4: What are some of the emotional blocks that Ho’oponopono helps heal around money?
Here are the ones I most often see: guilt for wanting more, fear of losing it, shame from debt, fear of being judged for success, and inherited beliefs like “money is the root of all evil.” Ho’oponopono allows you to meet those emotions with compassion, not shame. And that compassion becomes the doorway to abundance.
What is a Ho’oponopono Letter to Money?
Think of a Ho’oponopono letter to money as a kind of written truce—a heartfelt peace offering to your bank account. This isn’t about a stern budget or a strict savings plan; it’s a way to gently clean up the emotional mess we’ve swept under the financial rug. Just as Ho’oponopono helps us clear old beliefs and grudges, this letter is your chance to address money itself—in all its complicated glory.
You write directly to money. Yep, as if it were an old friend or that slightly mischievous roommate who keeps moving out and leaving you the rent. The core? You use the Ho’oponopono phrases: “I’m sorry. Please forgive me. Thank you. I love you.” It’s a chance to acknowledge past mistakes, heal wounds from debt, scarcity, or reckless spending, and express gratitude for the lessons money brings—even the tough ones.
Here’s what that might look like:
- Apologize for any resentment you’ve ever felt towards money (from student loans to splurge regrets).
- Ask forgiveness for times you ignored, chased, or mismanaged your finances.
- Say thank you for the opportunities, security, and even the wake-up calls money has provided along the way.
- Express love and acceptance to shift your relationship from one of stress to one of respect—and maybe even a little mutual admiration.
With Ho’oponopono, the aim isn’t to guilt money into showing up more often. It’s about transforming your own thoughts and energy so money becomes a welcomed guest, not a source of shame or anxiety. The letter becomes a private ritual of release and renewal—one that gently guides you toward a healthier, more abundant connection with money.
Q5: Why is it important not to idolize money, but to remain open to receiving it?
It’s a delicate dance: treating money as a helpful ally, not a master. When we put money on a pedestal, it can cloud our judgment, spark anxiety, and even disconnect us from the people and values that truly matter. It becomes an obsession, and suddenly every decision is tinged with stress or fear.
Instead, Ho’oponopono teaches us to view money as a tool—a way to support our growth, comfort, and generosity—without letting it define our worth or happiness. By finding this balance, we invite prosperity in with gratitude, but release any desperate grip or unhealthy attachment. In short, we can appreciate money’s gifts without letting it run the show.
Q5: What’s a simple way to begin the Ho’oponopono prayer for money today?
Here’s what I often guide clients through in session:
Close your eyes. Place a hand over your heart or wallet or desk—wherever your money anxiety lives. Then slowly say:
“I’m sorry—for all the ways I’ve blocked my abundance.
Please forgive me—for believing I wasn’t worthy of more.
Thank you—for the money already flowing in.
I love you—for showing me what I needed to heal.”
Repeat this daily. Money responds to energy. And your energy shifts through love.
Q6: Is it selfish or unspiritual to want more money?
Not at all. That’s an outdated belief we must let go of. Money is not greed—it’s power, energy, and impact. As long as your desire is rooted in integrity, expansion, and service, then your abundance is not only allowed—it’s necessary. I coach spiritual entrepreneurs to honor that truth every single day.
Q7: What role does heartfulness play in Ho’oponopono for wealth?
Heartfulness is the key. If you’re just repeating words without presence, the shift will be limited. But when you bring genuine emotion—gratitude, compassion, even tears—the prayer becomes transformative. In my own life and the lives of my clients, I’ve seen heartfulness move money mountains.
Q8: Can journaling help deepen the Ho’oponopono practice around money?
Yes. Here’s a journaling prompt I often give:
“Dear Money, what are you trying to teach me?”
Let the response flow uncensored. Then close the page with:
“I’m sorry. Please forgive me. Thank you. I love you.”
This bridges your conscious and subconscious mind, inviting clarity and healing.
If you want to take this further, try writing a full letter directly to money. Think of it as a heartfelt conversation—express your worries, gratitude, regrets, or even your frustrations. You might even write it as a Ho’oponopono prayer, just as above, letting the words come as they wish. This simple exercise can be surprisingly transformative: it helps you see your relationship with wealth in a new light and opens space for forgiveness and growth.
Whether in your private journal or shared in a supportive space, writing to money is a gentle way to invite healing and shift your mindset—one honest letter at a time.
Examples of Letters to Money
If you’re wondering how others approach writing to money, here are a few sample sentiments people have shared in their own letters:
- Expressing gratitude for money’s constant presence and support, describing how its energy brings confidence and stability in life.
- Acknowledging times of misunderstanding, apologizing for past resentments or misconceptions about money’s role, and inviting forgiveness as part of healing.
- Recognizing money as a partner in doing good deeds, allowing joy, generosity, and the ability to give more to others.
- Affirming feelings of abundance, thanking money for always arriving when needed—even if sometimes it’s easy to doubt or fear its absence.
- Using simple, heartfelt phrases like “I’m sorry, please forgive me, thank you, I love you” to repair the relationship and welcome greater flow.
Whether the letter is just a few lines or a longer meditation, what matters is your honesty and openness. Writing directly to money—thanking it, apologizing, expressing love—can shift your mindset and open space for abundance.
Lessons from Money: Responsibility and Balance
Money, like any wise teacher, has a knack for revealing what we most need to see about ourselves. One lesson it loves to highlight? The importance of healthy boundaries—neither obsessively chasing it nor pretending money issues will simply vanish on their own.
When we’re caught up in “get rich quick” schemes or fueled by a fear of missing out, money gently nudges us back to reality. It invites us to practice discernment: pausing before jumping into rumor-backed ventures, and opting for steady, thoughtful choices instead of impulsive leaps.
The deeper teaching here is balance. True financial wellbeing doesn’t come from extremes—hoarding or avoiding, chasing or ignoring. Instead, it comes from approaching money with respect, clarity, and a willingness to learn. By recognizing where we’ve moved out of alignment, we can nurture a relationship with money that feels stable, responsible, and, yes, forgiving.
Q9: How do I keep faith when money still feels tight?
Faith isn’t the absence of fear—it’s choosing love anyway. When clients say, “It’s not working,” I remind them: keep clearing, keep loving, keep showing up. Ho’oponopono isn’t magic—it’s energetic hygiene. Over time, your field becomes so clean, abundance can’t help but find its way to you.
Q10: What’s one message I’d leave with anyone doing this work?
You are not wrong for desiring more. You’re not behind. You’re not broken. You’re just clearing space for what’s been waiting to reach you all along. Keep saying the prayer. Keep forgiving the past. Keep thanking your present. And keep loving your future into being.
Final Thoughts: Let Money Meet the Real You
Money is not just a goal. It’s a mirror. It reflects what you believe, what you’re ready to receive, and how deeply you trust yourself and the universe.
With Ho’oponopono, you don’t chase money. You welcome it.
You don’t beg for it. You bless it.
You don’t control it. You collaborate with it.
And along the way, forgiveness plays a pivotal role. I’ve learned to ask money’s forgiveness for the times I’ve been reckless or unconscious—whether that was chasing quick fixes, getting swept up in get-rich-quick schemes, or ignoring my financial reality altogether. Each misstep, each anxious scramble or avoidance, was really just money holding up a lesson: true abundance comes not from force or neglect, but from balance and respect.
Establishing a better relationship with money means meeting it with presence and honesty. It’s about recognizing when you’re out of alignment and gently returning to center—not swinging between extremes, but inviting a sense of harmony. Through this ongoing practice, I’ve discovered that money responds best not to desperation or denial, but to conscious partnership.
So the journey becomes less about accumulation and more about connection—about letting money meet the real, balanced you.
Next time fear shows up in your finances, pause and say:
“I’m sorry.
Please forgive me.
Thank you.
I love you.”
And feel the weight lift—and the flow return.
About Neeti Keswani
I’m Neeti Keswani, a business storytelling coach, certified Ho’oponopono practitioner, and host of the globally loved Luxury Unplugged Podcast. Through coaching, I help creators, spiritual entrepreneurs, and wellness leaders align with purpose, heal their inner narrative, and grow brands that feel like soul work.
I’m also the author of the bestselling book Live Your Dreams and guide people through identity shifting, emotional healing, and visibility coaching.
Buy my book “Live Your Dreams” → 
Visit my website → 
YouTube Channel → Subscribe Here
#Hooponopono #MoneyHealing #EnergeticAbundance #LuxuryUnplugged #NeetiKeswani #SpiritualMoney #EmotionalWealth #SoulAlignedSuccess #ForgivenessPractice #ConsciousAbundance
Subscribe to Tuesday Snippets!
" Your emails always infuse me with creative ideas and guides me to focus..."
Join a growing community of more than 55,000 friendly readers.
Every Tuesday, I share productivity tips on growth mindset, practical life advice, and high-quality insights from across the web, directly to your inbox.
Sign up!
We respect your privacy. Unsubscribe at any time.