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Redefining Rich: How an Ancient Hawaiian Practice Can Heal Your Money Story and Attract True Luxury | How the Ho’oponopono prayer changed my relationship with money | Manifest Billionaire Abundance with Ho’oponopono Healing

Ho'oponopono Prayer for Fear and Anxiety | Hopono Ho'oponopono Prayer

In a world obsessed with hustle, status, and numbers in a bank account, the idea of being “rich” has become narrowly defined. More money. Bigger success. Constant striving. Yet for many high achievers and conscious entrepreneurs, financial growth often comes with anxiety, guilt, or an unshakable feeling that abundance is always just out of reach. This is where redefining rich becomes not just desirable—but necessary.

What if true luxury wasn’t about accumulation, but about inner alignment with money? What if wealth flowed not from pressure and proving, but from healing the emotional and energetic stories you carry about money itself? This is where an ancient Hawaiian practice—Ho’oponopono—quietly changes everything.

In this journey, I’ll share how the Ho’oponopono prayer transformed my relationship with money, dissolving fear, scarcity patterns, and subconscious resistance to receiving. What began as a spiritual practice became a profound tool for rewriting my money story—shifting from survival and over-effort to trust, ease, and conscious prosperity.

This blog explores how Ho’oponopono healing can help manifest billionaire-level abundance—not as ego-driven excess, but as expansive, grounded, and soul-aligned wealth. You’ll discover how clearing guilt around money, fear of success, and inherited scarcity patterns opens the door to true luxury: freedom, choice, generosity, and peace.

If you’ve ever felt conflicted about wanting more…
If success has come with stress instead of satisfaction…
If money feels heavy instead of supportive…

This is your invitation to heal first—and let abundance follow.

Because real wealth doesn’t begin in your wallet.
It begins in your consciousness.

A Personal Story: The Empty Designer Bag & How a Ho’oponopono Prayer Changed My Relationship with Money

I once splurged on a designer handbag I couldn’t truly afford. I believed owning this symbol of success would make me feel abundant and powerful, that it would be my first step to Manifest Billionaire Abundance. Yet when I finally unboxed it, I felt a surprising emptiness. The bag didn't fill the void of my financial anxiety or silence the voice that whispered, "You're not good with money." This expensive object couldn't heal my deepest money wounds: the fear inherited from parents who lived through economic instability, the belief that wealth was for "other people," and the guilt I felt whenever I spent on myself. This was a core, painful part of my Money Story.

My journey led me to discover that true abundance isn't about accumulating luxury goods, but about healing our relationship with money itself. I found an unexpected key in an ancient Hawaiian PracticeHo'oponopono. This powerful meditation and forgiveness technique doesn't just help balance your bank account; it helps balance your soul's connection to prosperity, allowing you to attract both wealth and wellbeing simultaneously. This is the story of how Ho’oponopono and healing became my pathway to peace.

What is Ho’oponopono? The Hawaiian Practice That Transforms Energy

Ho'oponopono (pronounced HO-oh-POH-no-POH-no) is a traditional Hawaiian Practice of forgiveness and reconciliation. Traditionally used as a community ceremony to restore harmony, it has evolved into a profound personal meditation practice for healing all kinds of discord—especially our internal conflicts around money, health, and relationships. The word combines "Ho'o" (to cause) and "ponopono" (perfection), translating to "to make right" or "to restore balance."

At its core, Ho’oponopono operates on a fundamental principle: we are 100% responsible for our reality. This doesn’t mean blaming ourselves for financial struggles, but rather recognizing that within us lie the memories, programs, and beliefs—many inherited—that shape our experience of scarcity or flow. By cleaning these memories, we can change our reality. This makes it a powerful form of energy medicine techniques and emotional healing techniques.

Why Ho’oponopono Works for Money and Abundance

Ho'oponopono recognizes what ancient wisdom and quantum physics confirm: money is energy. Just as water flows freely until blocked by debris, money naturally circulates until it encounters our internal resistances. Our "money blocks" are often subconscious programs that act as dams. The Ho’oponopono technique works by dissolving these blocks at the energetic and subconscious level, where all lasting change begins.

When applied to finances, Ho’oponopono and healing go hand-in-hand. It helps restore the natural flow of prosperity that our fears, biases, and generational patterns have blocked. The practice is a form of self healing meditation that addresses the root cause, not just the symptom, of financial lack.

The Neuroscience of Wealth: Rewiring Your Brain with Meditation

Modern neuroscience reveals that our attraction to luxury and our fear of scarcity aren't just psychological—they're deeply wired into our brains. The dopamine rush from a new purchase is real but fleeting. Lasting abundance comes from creating neural pathways that associate money with safety, gratitude, and flow.

Meditation, particularly the focused, repetitive nature of the Ho’oponopono prayer, helps rewrite these deep subconscious programs. Each time you recite the phrases, you are forging new neural pathways, moving from a fear-based amygdala response to a calm, prefrontal cortex-led approach to money. This is where emotional healing techniques meet practical brain science. By consistently practicing this self healing meditation, you literally rebuild your brain for prosperity.

Understanding Your Generational Money StoryAncestral Healing Techniques

Before we can transform our money mindset, we must understand where our current beliefs originated. Ancestral money blocks are false beliefs about money passed down through generations, forming the foundation of your generational Money Story.

As Jena-Sophia explains, we absorb the traumas, perceptions, and programs of our lineage on an energetic level. Between the third trimester and age seven, our subconscious mind is like a sponge, solidifying patterns from our caregivers. This means many core money beliefs—"Money is the root of evil," "We don’t deserve more," "Rich people are corrupt"—were inherited like family heirlooms.

Common Generational Money Blocks

  • The Scarcity Mentality: The belief that abundance is scarce and life is a zero-sum game.

  • Net Worth Equals Self-Worth: Tying your value as a human being to your financial status.

  • Wealth Guilt: Believing that having more money than your parents is a betrayal.

  • Financial Martyrdom: Pride in struggling, believing suffering makes you morally superior.

This is where Ho’oponopono shines as one of the most powerful ancestral healing techniques. It allows you to clean the memories and energies you carry from your lineage, freeing not only yourself but healing the line backward and forward.

Practice Tip: Mapping Your Money Heritage

Take a journal and answer:

  1. What did your parents/caregivers frequently say about money?

  2. What was the unspoken "family rule" about rich people?

  3. How did your family handle financial discussions—with openness or secrecy?
    Awareness is the first step. As you identify each inherited belief, you can begin your Ho’oponopono cleaning.

The Four Healing Phrases: The Core Ho’oponopono Technique

The modern adaptation of Ho'oponopono uses four simple but profound phrases. They are not a mantra to manipulate the universe, but a tool for emotional healing techniques and internal cleaning. They work on the subconscious to clear the energetic debris blocking your natural state of abundance.

This Ho’oponopono prayer changed my relationship with money by providing a tangible, repeatable tool for release. The phrases are:

  1. I'm sorry: Acknowledging your role (conscious or unconscious) in co-creating the situation. It’s an expression of remorse for any negative energy you've contributed toward money.

  2. Please forgive me: Asking for forgiveness from the Divine, the Universe, your higher self, or the energy of money itself. It opens the door for healing.

  3. Thank you: Expressing gratitude for the healing already happening and for the lessons. Gratitude is a high-vibration state that attracts more to be thankful for.

  4. I love you: Transmuting energy with the most powerful force in the universe—love. This aligns your energy with the frequency of wholeness and abundance.

Applying the Phrases to Your Money Story

When applied to finances, your self healing meditation might sound like:

  • "I'm sorry, Money, for pushing you away with my fear and resentment."

  • "Please forgive me for blaming you for my stress and anxiety."

  • "Thank you for all you provide and for the lessons in this situation."

  • "I love you, Money, and I welcome you with an open heart."

This simple Ho’oponopono technique is a complete system of energy medicine techniques for prosperity.

Redefining True Luxury: The Synergy of Wealth and Wellbeing

As we heal our money story, our definition of luxury evolves. True luxury extends beyond material possessions to encompass optimal health, time freedom, and peace of mind. This shift is reflected in modern trends, which align perfectly with the inner transformation Ho’oponopono fosters:

Modern Luxury Trends

  • Experiential Luxury: Investing in transformative experiences (wellness retreats, travel).

  • Sustainable Luxury: Choosing ethically made, eco-conscious products.

  • The Luxury of Health: Viewing vitality as the ultimate wealth.

  • The Luxury of Time: Having the freedom to design your days.

This evolution reflects a deeper understanding: genuine luxury is the synergy of financial prosperity and thriving wellbeing. It’s the outcome of successful Ho’oponopono and healing work.

Practical Application: Your Ho’oponopono Money Cleansing Meditation

Now, let’s create a practical Ho’oponopono ritual—a self healing meditation to heal your Money Story and begin to Manifest Billionaire Abundance consciousness.

Step 1: Create Sacred Space

Find quiet. Light a candle. Hold a crystal. Sit comfortably. Take three deep breaths. This prepares your nervous system for deep emotional healing techniques.

Step 2: Identify the Money Block

Bring to mind a specific financial issue: debt, income anxiety, or a limiting belief. Feel the emotions in your body without judgment.

Step 3: Apply the Four Phrases

Place your hand on your heart. Speak or think the phrases. Direct them to the money block, to your ancestors, or to the energy of money itself. Repeat them as a mantra for 5-15 minutes. This is the core Ho’oponopono technique.

Step 4: Visualize the Cleansing

Imagine the phrases as healing light (white, blue, or golden) washing through you, clearing old patterns from your cells and your energy field. See a clogged stream becoming clear, allowing water (prosperity) to flow freely.

Step 5: Release with Gratitude

Close by saying, "Thank you. I release this to the Divine. I trust the healing is done." This completes your meditation.

Daily Integration: A Living Prayer

Incorporate this Ho’oponopono prayer into daily life:

  • When paying bills: "I'm sorry for any resistance. Please forgive me. Thank you for the service. I love you."

  • When checking your account: "I'm sorry for my fear. Please forgive me. Thank you for what is here. I love you and welcome more."

  • When making a purchase: "I'm sorry for any guilt. Please forgive me. Thank you for this exchange. I love you."

Transforming Specific Money Blocks with Ho’oponopono

Tailor your practice with these specific Ho’oponopono and healing statements:

For Ancestral Money Patterns (Ancestral Healing Techniques)

"I'm sorry for carrying this generational fear of lack. Please forgive our family line for this limitation. Thank you for the resilience. I love you and release you now."

For Financial Regrets

"I'm sorry for the financial choices that created this debt. Please forgive my ignorance. Thank you for the lesson. I love myself through this healing."

For Receiving Resistance

"I'm sorry for pushing abundance away. Please forgive my unworthiness. Thank you for these opportunities. I love you, Money, and welcome you gladly."

For Wealth Guilt

"I'm sorry for believing wanting money is wrong. Please forgive my guilt. Thank you for the good I can do. I love you as a force for good."

The Deeper Dimension: Ho’oponopono for Health and Holistic Abundance

True abundance is holistic. Ho’oponopono for health is a natural extension of this work, as financial stress directly impacts physical wellbeing. The same subconscious programs that block money can block vitality. Use the Ho’oponopono prayer for your body:

"I'm sorry, body, for the stress I've put you through. Please forgive me. Thank you for your resilience. I love you."

This short prayer for healing and recovery can be a potent tool during illness or fatigue, aligning you with the frequency of wellness—a true form of luxury.

A Unified Prayer for Healing and Strength

Combine your intentions for wealth and wellbeing into a powerful prayer for healing and strength:

"I'm sorry for all the memories within me causing lack and imbalance. Please forgive me. Thank you for restoring my financial flow and my physical vitality. I love my life and welcome wholeness."

Your New Money Story: From Scarcity to Sovereign Flow

My own journey with Ho’oponopono didn't instantly Manifest Billionaire Abundance in monetary terms, but it created something more foundational: peace. The anxiety softened. The guilt transformed into gratitude. I was rewriting my Money Story from within.

Interestingly, as my internal landscape shifted, so did my external reality. Opportunities appeared. Unexpected income emerged. My relationship with money became engaged and joyful. The luxury items I once craved lost their power, replaced by the deeper luxury of financial peace and time freedom.

The designer bag? I sold it and invested in a financial course. The course taught me strategies, but Ho’oponopono healed the wounds that prevented me from using them. This Ho’oponopono prayer changed my relationship with money from one of fear to one of partnership.

Your Invitation to Abundance: Begin Your Self Healing Meditation Today

Healing your Money Story with Ho’oponopono is a journey of returning to your natural state of abundance. You are not separate from prosperity; you are an expression of it.

As you practice this Hawaiian Practice, notice the shifts:

  • The tension that releases when you think about money.

  • The creative ideas that flow more freely.

  • The generosity that emerges naturally.

  • The deep knowing that you are inherently worthy.

True wealth—financial, emotional, and physical—was your birthright all along. The blocks were merely clouds. Ho’oponopono is the wind that clears them, a profound synthesis of ancestral healing techniquesenergy medicine techniques, and practical emotional healing techniques.

Start now. Place your hand on your heart, think of your Money Story, and whisper: I'm sorry. Please forgive me. Thank you. I love you. Let this Ho’oponopono prayer be the key that changes everything.

How the Ho’oponopono prayer changed my relationship with money

If I’ve learned anything running a personal finance company, it’s that our relationship with money is never just about numbers. It’s made up of memories, experiences, and emotions we’ve carried for years. Like, our whole life. For me, it was a cocktail of shame, resentment, and blame. I blamed myself for past choices. I blamed people who gave bad advice. I blamed institutions for not teaching me how to manage money in the first place. I blamed my employer for not paying me enough. And under all of that? I was stuck.

That stuck-ness showed up EVERYWHERE. Including my nervous system. My shoulders were always tense. My brain was constantly looping: Why did I spend that? What if I never figure this out? What’s wrong with me? Why didn’t someone TEACH ME THIS SHIT?!

Enter: the Ho’oponopono prayer.

This ancient Hawaiian forgiveness practice changed the way I showed up for myself. It gave me something I didn’t even realize I needed: a nervous system reset and a way to move forward in my relationship with money.

What is the Ho’oponopono prayer?

Ho’oponopono is an ancient Hawaiian practice for reconciliation and forgiveness. It’s simple in form but deeply profound in impact. At its core, it’s about taking responsibility—not to blame yourself, but to free yourself.

 

The core prayer is made up of four sentences:

I’m sorry. 

Please forgive me.

Thank you. 

I love you.

You repeat these words as many times as you want (out loud or writing them in a journal) with the intention to release, to cleanse, to rewire.

I used this prayer when I found myself caught in spirals: replaying conversations, obsessing over numbers in my bank account, or stuck in a story about what should have happened. Ho’oponopono interrupts that loop.

How It Helped Me Heal My Relationship With Money

I didn’t realize how much I was dragging the past into my present until I started getting my financial shit together.

Every time I checked my bank account and felt like a failure, I was reacting not to the number, but to all the meaning I’d attached to it: that I was bad with money, that I couldn’t be trusted, that I’d never get ahead.

I was holding on to grudges—against my younger self, against family members, and against systems that failed to prepare me.

Using the Ho’oponopono prayer gave me a structure for release. I wasn’t pretending everything was okay. I was making space for a new story.

One with compassion.
One with power.
One with actual forward movement.

If you want to be good with money, you can’t act the same way you always have. This practice gave me space and permission to do things differently. To let go, and move forward, and take accountability.

How to Practice the Ho’oponopono Prayer

Step 1: Let It Out

Write down every single thing you’re feeling. Whatever's frustrating or upsetting you is the good, the bad, and the ugly. No one is going to read this. Fill one full page, or until you can’t think of anything else.

Step 2: Offer the Prayer

Flip the page over and write:
I’m sorry. Please forgive me. Thank you. I love you.
Over and over and over again.

That’s it. Simple and direct. Let your nervous system absorb the softness, and invite in any reflections or thoughts that come up.

Step 3: Release It

I like to rip the page up when I’m done. It helps me feel like I’ve physically let go. You can burn it (safely), shred it, or even keep it if that feels right.

Repeat this practice anytime you feel stuck in an old money story. Especially if your brain won’t let go of a mistake or a regret.

Forgiveness isn’t about saying what happened was okay. Some things that happen to us just aren't ok. This practice is about deciding certain things don't get to run your life anymore.

You deserve to feel powerful with money.
You deserve to feel peace in your body.
You deserve to move forward.

And sometimes, all it takes is four simple lines to open the door.

Let’s be honest—money often carries heavy energy.

For many of us, it’s not just currency. It’s layered with guilt, fear, stress, inherited beliefs, and even memories of past mistakes. We want abundance, yet somewhere deep inside, money can feel complicated, overwhelming, or hard to hold.

But here’s the truth most people never pause to consider:

Money is energy.
And energy responds to how we treat it.

That realization is what inspired me to create the Ho’oponopono Healing Money Song—a gentle yet powerful way to clear old emotional blockages and invite abundance with openness, ease, and trust.

Ho’oponopono is an ancient Hawaiian healing prayer built on four deceptively simple phrases:

I’m sorry.
Please forgive me.
Thank you.
I love you.

When these words are applied to money, something profound begins to shift—not just in how money flows into your life, but in how you feel about receiving it.

Take a moment and notice how we often speak about money:

  • “It’s hard to earn.”

  • “It never stays.”

  • “It causes problems.”

Each thought carries energy.
Each word builds resistance.

This practice is about reversing that relationship.

It’s about speaking to money with kindness.
Healing old wounds around worth and scarcity.
And opening the door to prosperity without fear or force.

In the song, you’ll hear affirmations like:

“I’m sorry, money, please forgive me,
thank you, I love you endlessly.
Billionaire dreams now flow to me,
I welcome…”

Simple words.
Deep impact.

These phrases gently reprogram the subconscious, dissolve limiting beliefs, and realign your vibration with abundance, freedom, and expansion. Over time, repetition does what effort cannot—it reshapes your inner relationship with wealth.

And when that relationship heals, money begins to respond differently.

Opportunities feel lighter.
Ideas come more freely.
Receiving no longer feels uncomfortable.

My Advice

Don’t treat this as a one-time listen.

Make it a ritual.

Play the song in the morning while getting ready, or at night before sleep—when the subconscious is most receptive. Let the words soak into your energy field without effort or expectation.

With consistency, you’ll begin to notice subtle but powerful shifts:

  • Greater confidence around money

  • A calmer nervous system when dealing with finances

  • Unexpected flow, ideas, and opportunities

  • A lighter, more respectful relationship with abundance

So ask yourself—

Are you ready to release old money stories?
Are you open to receiving without guilt or fear?
Are you willing to heal first—and let wealth follow?

Because billionaire-level abundance doesn’t begin with numbers.
It begins with how safe you feel receiving.

Conclusion: Wealth Heals When You Do

Redefining rich is not about rejecting money—it’s about ending the war with it.

This journey through Ho’oponopono reveals something quietly radical: money has never been the enemy. The fear, guilt, shame, and inherited stories we carried around it were. When those stories begin to dissolve, money no longer feels heavy, charged, or intimidating. It becomes neutral. Supportive. Even loving.

Ho’oponopono doesn’t promise instant riches or bypass practical action. What it offers is far more powerful and sustainable: inner safety with abundance. And when your nervous system feels safe receiving, when your subconscious no longer resists wealth, your external reality has space to shift.

As you heal your money story:

  • Scarcity loosens its grip

  • Guilt around wanting more softens

  • Receiving feels natural instead of uncomfortable

  • Wealth becomes a relationship, not a struggle

Billionaire-level abundance, in its truest form, is not just about scale—it’s about sovereignty. It’s the freedom to choose, to give, to rest, to create, and to live without fear running the show.

Whether you practice Ho’oponopono through meditation, journaling, daily moments, or the healing money song, remember this: every time you clean, you reclaim power. You are no longer reacting from the past—you are responding from presence.

So let this be your new definition of luxury:

  • Peace in your body

  • Clarity in your choices

  • Trust in your ability to receive

  • And a relationship with money rooted in respect, gratitude, and love

The wealth you’re seeking doesn’t start with numbers.
It starts with permission.

Place your hand on your heart.
Think of your money story.
And begin again:

I’m sorry.
Please forgive me.
Thank you.
I love you.

From that space, abundance doesn’t need to be chased.
It knows exactly how to find you. ✨

🌸 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/luxuryunpluggedpodcast/
💼 LinkedIn — https://www.linkedin.com/in/neetikeswani/
🌐 Plush Ink — https://www.plush-ink.com/

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