Money is Spiritual Energy: How to Rewrite Your Financial Story and Attract Abundance

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2 weeks ago

For centuries, we’ve been taught that money is a tangible tool for transactions—a necessary element for survival, but one often fraught with stress, limitation, and moral ambiguity. We chase it, we worry about it, and we often feel guilty for wanting more of it.

But what if everything you thought you knew about money was limiting your potential? What if the key to unlocking lasting financial abundance wasn't a better budget or a higher-paying job, but a profound shift in your inner world?

What if money is spiritual energy?

This is the revolutionary perspective we explore on the Luxury Unplugged podcast. In this blog post, we will dive deep into the concept that money is not just currency; it is a flowing, dynamic form of spiritual energy. By understanding this, you can begin to transform your relationship with money, align your money mindset, and consciously create a life of true wealth and abundance.

Deconstructing Your Money Story: The First Step to Financial Freedom

Your current financial situation is not a random occurrence. It is the living, breathing result of your personal "money story." This story was written long before you ever earned your first dollar.

Picture this: The financial narrative of your life has been woven from the threads of childhood experiences, societal norms, and cultural influences. The offhand comments your parents made about "rich people," the subtle messages from religion or community about wealth being "worldly," the struggles or successes you witnessed—all of these events have shaped your core beliefs about money. Often unconsciously, these beliefs are the invisible architects guiding your financial choices every single day.

But here is the empowering twist: those old narratives don't have to define you forever. Your relationship with money goes far beyond mere transactions. In its truest sense, it is a direct reflection of your inner beliefs and values. To change your outer financial reality, you must first journey inward.

Step 1: The Power of Self-Reflection

The journey to a new financial reality begins with awareness. You must become a detective of your own mind. This requires taking a quiet moment to connect with your past money experiences.

What were the defining financial moments in your childhood?
What messages did you receive about wealth, rich people, and scarcity?
How have these experiences shaped your fundamental belief about what is possible for you?

It's critical to understand: the money problem itself was never really about the money. It was about the fear, the scarcity, and the limiting belief that the experience cemented in your psyche. That is what is holding you where you are today. You may find that these old, inherited beliefs about money no longer resonate with the person you have become. This dissonance—where your inner world doesn't match your outer aspirations—is the source of financial friction.

The Inner Roommate: Listening to Your Money Mindset

We all have a constant internal monologue. Think of it as a famous author and billionaire roommate living in your head. This "inner roommate" babbles continuously, narrating your life based on that old, outdated script.

If we don't pay much attention to it, we can manage. But if we unconsciously give energy to every passing thought, especially the negative ones about money, we create a internal environment of lack and struggle. The first, and most crucial, step in rewriting your money story is to become consciously aware of what this inner roommate is telling you about money.

As shared from the teachings of Deepak Chopra, these limiting beliefs are what often block us from achieving our financial goals. They make the path to financial abundance feel hard and out of reach.

Does your inner voice whisper any of these common lies?

"You don't have enough money."
"You'll never be able to make more money."
"Your job will never give you enough money."
"Wanting money is greedy."
"You don't need money because you are on a spiritual path."

Let’s dismantle these myths right now.

Debunking the Top Limiting Beliefs About Money

1. "Wanting Money is Greedy"
This is one of the most pervasive and damaging beliefs about money. The truth is, money is spiritual energy that amplifies your capacity to do good in the world. Look at all the respected spiritual and religious leaders—they operate from a place of immense financial abundance. Their message could not reach millions without the financial backing to build institutions, use technology, and create communities. You need money because you are spiritual. Wanting money is not greedy; it is a desire for greater capacity and impact.

2. "The More You Give, The Less You Have"
This is a classic scarcity mindset statement, and it is fundamentally untrue. This is where understanding money as a flowing spiritual energy is essential. Energy cannot be created or destroyed, only transformed. The act of giving generates a powerful flow. The more you give generously, the more you open yourself to receive. This is a fundamental principle of the Law of Giving and Receiving, which we will explore in a future post.

3. "The Only Way to Earn Money is Through Hard Work and Sacrifice"
Many of us are secretly scared to become entrepreneurs or to charge our worth because we believe that earning money must be a relentless hustle. But look at the lifestyles of many billionaires. Do you think they are constantly fearing their next dollar? For them, dealing with money is not a hassle; it is a creative, engaging process. You can reach a point where you don't worry about money and instead engage with it fearlessly. This fearless state emerges when your internal beliefs about money are cleansed and aligned with abundance.

Rewriting Your Script: A 4-Step Process to a New Financial Reality

Once you've identified the old script, it's time to write a new one. This is the active, empowering work of transforming your money mindset and your financial reality.

Step 2: Replace and Recalibrate

You must make a conscious decision to replace those old, outdated thoughts with empowering, spiritually-aligned perspectives on wealth and abundance. Rewriting your money story means bravely discarding the beliefs that no longer reflect your current values or the person you are becoming.

Ask yourself: Are these beliefs truly mine? Or did I inherit this financial belief system from my family or culture? It doesn't matter where they came from. The blame game will not help you. What matters is that you now have the power and the awareness to stop them. You need to put a full stop to these narratives right now to prevent them from dictating your future.

Step 3: Generate New, Empowering Thought Patterns

This is where you become the author of your new story. Step three is about actively generating new thought patterns, new personal beliefs, and new convictions.

Start by jotting down words that describe the feelings you want to have about money. Don't think about your current financial situation; connect with the vision.

What does having financial abundance make you feel? Secure? Peaceful? Free? Generous?
What feeling does money evoke in your ideal world?

For each feeling, ask yourself powerful questions to solidify this new reality:

What would it feel like in my body when I experience this?
Can I visualize a scene where I am living this reality?
What role can the universe play in bringing this experience to me?

This process is known as co-creation. You are not meant to force your financial reality into existence through sheer will. You must also surrender to the universe, asking for its support and guidance. Do your part—clarify your vision, take inspired action—and then trust the process to deliver in unexpected ways.

Step 4: Create and Embody Positive Financial Affirmations

Your mental roommate is always running a script. Your job is to hand it a new one. The secret to powerful affirmations is that they must be felt as truth in the present moment. As per various wisdom traditions, including Buddhism, there are multiple truths in any single moment. You have the power to choose which truth you align with.

To create your personal money affirmations, simply place the words "I am" in front of the feeling words you identified.

For example:

I am secure.
I am peaceful.
I am generous.
I am wealthy.
I am abundant.

You can create more specific, powerful statements that address the flow of energy:

"I am generous because I receive money in abundance."

This is a profound statement. It shatters the old narrative of the drained giver. It affirms that your generosity is powered by a continuous, abundant inflow. You are not just giving; you are part of a divine circulation of spiritual energy.

Another powerful affirmation to rewire your money mindset is:

"As I give generously, the universe brings unexpected income into my life."

This is the new script for your inner roommate. Repeat these affirmations throughout the day. The repetition is not for the universe's benefit, but for yours—it's how you reprogram your subconscious mind. Any time you notice an old, fearful thought about money arising, gently bring your attention back to your new affirmation. Keep repeating it until it feels more real than the old story.

The Deepak Chopra Insight: Your Consciousness is Everything

The core of this entire transformation is captured in a single, profound insight from Deepak Chopra:

"The money problems of your past were never about money. They were simply a reflection of your consciousness. So unlocking the secret energy of money requires only that you change the consciousness you bring to money."

Let that sink in. Your past struggles with money were never about the money itself. They were a mirror, reflecting your internal state of lack, fear, and limitation. Therefore, the solution to your financial challenges is not just a tactical one; it is an energetic and spiritual one. To unlock the flow of financial abundance, you must shift the consciousness you bring to it.

The Ripple Effect: How a Shift in Consciousness Transforms Your Financial Landscape

When you make this inner shift, the outer world cannot help but follow. Throughout your day, numerous thoughts influence how you make, spend, save, and share money. By consciously replacing thoughts of lack, limitation, and struggle with thoughts of abundance, generosity, and ease, you begin to magnetize money to you.

This isn't mystical wishful thinking; it's the law of attraction in action. As your mind fills with gratitude for money and expects abundance, your perception shifts. You start to see opportunities where you once saw obstacles. Your financial reality begins to automatically mirror this shift in your consciousness.

Your life going forward will begin to reveal the beautiful, vibrant, and supportive money story you are now consciously creating in every moment. By shifting your money mindset, you open yourself to a more harmonious and easy state of being. You unravel the ancient mystery that separates spirituality from prosperity, and you finally tap into the infinite wealth of your true self.

Conclusion: Embrace Money as a Spiritual Partner

Remember, money is not just a transaction. It is a powerful, flowing spiritual energy that is deeply responsive to your inner world. By doing the inner work—reflecting, replacing, and rewriting—you can align this powerful energy with your highest spiritual path. You can build a financial reality that is not based on fear and scarcity, but on abundance, joy, and purposeful contribution.

This is the journey of aligning your outer wealth with your inner worth. It is the most important financial work you will ever do.

🌸 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.
Connect with Neeti:
🎙️ Luxury Unplugged Podcast — https://podcasts.apple.com/us/podcast/luxury-unplugged-podcast-where-luxury-meets-spirituality/id1551277118
📖 Instagram — https://www.instagram.com/keswanineeti/
💼 LinkedIn — https://www.linkedin.com/in/neetikeswani/
🌐 Plush Ink — https://www.plush-ink.com

Arranged Script: "Money is a Spiritual Energy"

Host: Neeti Keswani, host of Luxury Unplugged.

(Music)

Neeti Keswani: Picture this: the financial story of your life, woven from childhood experiences, societal norms, and cultural influences. These stories shape our beliefs about money, often unconsciously guiding our financial choices.

But here's the twist: those old narratives don't have to define us forever. It's right: our relationship with money goes beyond transactions. It is a reflection of our inner beliefs and values.

Hey everyone, this is Neeti Keswani, host of Luxury Unplugged, and today we are discussing how money is actually a spiritual energy—a flowing spiritual energy. And today’s topic might just reshape the way you think about money. It's about understanding that money is a spiritual energy.

Now, let's dive into how money is more than just currency. How is it spiritual? How can you start aligning your financial journey with your true self?

(Applause)

Step 1: Self-Reflect

Neeti Keswani: Take a moment to connect with your past money experiences. How have they shaped your belief about wealth? Identify those moments, those experiences. Recognize the identification.

(Music)

It's not the money experience itself. Is it that fear? Is it that belief? That is what is holding you where you are. And you no longer resonate with who you are today because those inner beliefs somehow don't match the person you have become today.

Step 2: Replace Old Beliefs

Neeti Keswani: The next step is to replace those old, outdated thoughts with empowering, spiritually-aligned perspectives on wealth and abundance.

You see, rewriting your money story means discarding old beliefs that no longer reflect your current values. After you have written down your recurring financial thoughts, it is time to see which ones can align with the vision that you are holding for now and for your future.

You see, we talk to ourselves all day long. Now, this famous author and billionaire roommate that we have… so to speak… because this internal roommate babbles continuously. And if we don't pay much attention to it, then we are fine. But if we are giving attention to each and every passing thought, and that too a negative one regarding money, it is not a very good situation.

So, the first step in rewriting your money story is to become conscious of what your inner roommate is telling you. And specifically, what is it telling you about money? Does it whisper any of these kinds of thoughts? Let me tell you.

Before I go on, this is an insight from Deepak Chopra's blog. So you see, the beliefs that I am talking about, the thoughts that I am talking about, are something which the world leaders and authors have already talked about. But they somehow are not resonant, so hard to get through, and to make that particular goal come to fruition.

But now is the time to really understand what is going on under the surface.

Common Negative Thoughts (Your Inner Roommate's Script):

"You don't have enough money."
"You will never be able to add to your job."
"Don't give you enough money."
"Wanting money is greedy."
"You don't need money because you are spiritual."

Neeti Keswani: Let me tell you, you need money because you are spiritual. You look at all the respectable religious, spiritual gurus—anybody and everybody in that league are very rich, very famous. The message could not have reached the people if they were not having the financial backing. You see? So you have to have money. And having money, wanting money, is not greedy.

"The more you give away, the less you have for yourself" is not true at all. Because the more you give, the more you have. And it is the law of giving and receiving. I will come to it in another episode, but let's focus on what kind of beliefs are there within us.

Another one, the most prominent one: "It is the only way to earn money is hard work and sacrifice." Some of us are just scared to become businesspeople. But have you looked at the billionaires and their lifestyle? Do you think they need to fear anything? Do you think dealing with money is a hustle? You see, no. You are meeting money, and you are feeling happy about it. You get to a point where you don't have to worry about money, and you become sort of fearless. But that comes when the internal beliefs and thoughts are cleansed.

Step 3: Generate New Thought Patterns

Neeti Keswani: So step two is understanding the habitual thought pattern that you might be having. You have to understand whether these beliefs are yours, or are they required? Does this belief system run in your family? Is it something that you have picked along the way?

In either of the cases, it doesn't matter anymore because you have now made up your mind to go ahead and do something about it. Because the blame game would not help either. Even if you have picked it up along the way, even if your family has been behind your inherent beliefs, it doesn't matter right now because you have the beliefs right now. And to see to it that they don't get further into the future, you need to put a full stop to them right now.

You need to generate new thought patterns. So step three is about generating new thought patterns, new personal beliefs, new convictions.

Step 4: Create Positive Affirmations

Neeti Keswani: By jotting down words that describe the feeling you would like to have about money. For example, what does making money make you feel like? Does it feel like security? Peace? Abundance? Luxury? What feeling does money evoke in you?

Now, for each feeling that you just experienced, ask yourself the questions:

"What would it feel like when I experience this?"
"Visualize that scene."
"What is the universe's part in bringing this experience to me?"

You see, you need to understand that: Do you have the complete clarity on the process? Or are you surrendering to the universe to complete the process for you? And not there is always something that you must do. What is the corresponding thing for you to do? Then surrender it to the universe, asking for their support and guidance. This is the process of co-creation.

For example, you might think that "If you give, generous money flows into your life in unexpected ways." You can have that as a belief also. And it's a big nugget that I am passing on to you. Think about it again. But that doesn't mean that you just have to be a giver. You have to believe in receiving as well. And that is, again, a part of the law of giving and receiving, which we will talk about in our next episode.

So the fourth step is creating positive affirmations around the financial belief system that you have.

Neeti Keswani: Your mental roommate is going through a script, and it is basically attracting all the people, places, and experiences according to that script. The secret to creating affirmations is to evoke change. It is to perceive the truth in the mind in the present moment. And the truth could be multifold. There is a possibility of 3,000 truths in a single moment, as per the religious texts and Buddhism. But it is up to us how to choose and which one to choose. Choose the truth aspect we need to choose in the present moment.

So to create your personal affirmations, place the word "I am" in front of each of the feeling words that you want to experience. For example:

"I am secure."
"I am peaceful."
"I am generous."
"I am wealthy."
"I am abundant."

"I am generous because I receive money in abundance." That could be a fulfilled statement because, in that case, you are not feeling that you are just giving and giving and giving. "I am generous because I receive in abundance."

Remember that in your essence, in your core nature, you indeed embody all of these qualities. You can create affirmations that are a part of yourself and the fact that you expect from the universe. And so as "I am giving generously, the universe is bringing me unexpected money, unexpected income into my life."

Repeat these affirmations throughout the day. Keep on saying that: "As I give generously, the universe brings unexpected income into my life." Any time you notice thoughts from your old money story arising in your mind again, bring back your attention to the affirmation that you just built up and keep on repeating it.

The Core Insight from Deepak Chopra

Neeti Keswani: You see, the money problems of your past were never about money. And this statement is very profound. Listen to it carefully. This is what Deepak Chopra says about money consciousness, about money being spiritual:

"The money problems of your past were never about money. They were simply a reflection of your consciousness. So unlocking the secret energy of money requires only that you change the consciousness you bring to money."

Conclusion: The Shift in Consciousness

Neeti Keswani: So throughout the day, numerous thoughts influence how you make, spend, save, and share money. By replacing thoughts of lack, limitation, and struggle with the thoughts of abundance, generosity, and ease, you will magnetize money to you.

So as your mind is filling up now with gratitude for money, your eyes are going to behold the abundance of the universe. Wherever you go, wherever you are, your financial landscape is automatically mirroring the shift in your consciousness.

(Music)

Neeti Keswani: And your life going forward is going to reveal the beautiful, vibrant, supportive money story that you are creating in every moment now.

By shifting our mindset, we open our selves up to a more harmonious and easy state. We unravel the mysteries of money and spirituality, helping you tap into the wealth of your true self.

Thanks for joining us on this enlightening journey. And remember, money is not just a transaction; it's a powerful energy that can align with your spiritual path.

This version maintains the Luxury Unplugged theme while exploring the spiritual dimension of money in a relatable and thought-provoking manner. Hope you enjoyed it! And if you did, like and subscribe to our channel and keep coming back for more.

In my next episode, I'm going to talk about the law of giving and receiving and how money is actually a spiritual energy in another aspect. Stay tuned!