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“I am a multi-millionaire!”

I read a book recently that talked about the importance of saying affirmations daily for things you want to become. The author encouraged you to speak it until you become it.

Truth be told, I’m sort of on the fence about this idea.

On the one hand, I think it’s fantastic to know what you are aiming for and I think it’s much, much more effective to visualize yourself winning and succeeding in life than to envision yourself failing at everything.

There’s a good chance you will end up making a lot more progress if you believe that you can do something than if you assume or predict you can’t do something. In fact, there’s a high probability you won’t even bother to try a lot of things if you tell yourself that you can’t do it from the get-go.

For instance, if you believe, “I’ll never get out of debt.” There is a very good chance that you won’t even be motivated to make a plan to try to get out of debt. Because, why bother if you already think it’s a hopeless cause?

On the flip side, I think that this whole repeating daily affirmations things can become detrimental or unhealthy if your affirmation is based on a self-focused premise or an unrealistic ideal.

One of the affirmations this book encouraged people to repeat over and over was, “I am a multi-millionaire.”

That just rubbed me all kinds of wrong.

Why? Because our culture is obsessed with the belief that money is the answer. That if you just made twice as much money (or five times as much money) or inherited a million dollars or won the lottery, then all your problems would be solved.

As someone who has been on both ends of the spectrum (having very little and have an abundance), I can tell you this: money is not the answer to all your problems. Money can do a lot of amazing things, but having money doesn’t necessarily mean you won’t have problems. Just like not having money doesn’t necessarily mean your life will be filled with all kinds of terribly hard things.

If you chase after more money and make more money your end goal, you’ll never, ever be satisfied. Because there’s no such thing as “enough money” when more money is your goal. If you finally end up making $100,000, you’ll then aim to make $200,000. If you end up becoming a millionaire, you’ll then shoot to become a multi-millionaire.

And on and on it will go.

Money doesn’t satisfy. Money isn’t the answer. If you chase after money, you’ll always be chasing after more

If you are struggling with this concept, I encourage you to ask yourself two questions that have changed my entire perspective in how I run my business and the choices that I make in my personal life:

  • When is enough, enough?
  • Would I be content if I knew that where I am right now will never change?

I cut back, streamlined, said no, and stripped away so much from my life as a result of these two questions. Why? Because I realized that I was chasing after more when I already had enough.

Instead of spending most of my days pursuing new opportunities, researching new possibilities, planning and mapping out new ideas, exhausting myself trying to reach new goals, or stressing over setting up new strategy, I want to spend the bulk of my time just loving the life right in front of me and embracing and being grateful for the more-than-enough life that I already have.

From first hand experience, I can promise there is much more joy, fulfillment, and life right there.

Now, let me be clear: There’s nothing wrong with wanting to increase your income, grow your business, or hit certain financial goals, so long as you have a healthy WHY in place for doing so and you have healthy boundaries in place for achieving these goals.

Instead of chasing after more or coming up with a daily affirmation or goal of becoming a millionaire or multi-millionaire, start with a WHY that matters.

Maybe something like, “I will help as many hungry children as possible have nutritional meals.” Or, “I will find ways to help eliminate hunger in our city.” Or, “I will make an impact in teen girls’ lives.”

You know what’s different with those goals/affirmations? All of them are ones that you can start right now. You don’t have to wait until you are a millionaire or a multi-millionaire. You can begin today!

Your why might be something that requires a lot of money to pull off. Some of my goals and the whys behind those goals definitely do or will require a significant amount of money to make happen. And for me, this is certainly a reason to be strategic with opportunities I accept, to work on growing the business while having healthy boundaries, and to look for ways to work smarter, not harder.

But I can tell you from personal experience that there is so much more joy and fulfillment and purpose when you have established your WHY and you’re not just chasing after something for the sake of chasing. Not only that, but it also helps me be a lot more intentional about how I spend my time, what I say yes to and what I say no to, and it allows me to embrace and enjoy the here and now instead of just focusing on trying to get where I want to go.

So, I challenge you to stop chasing after more for more’s sake, to establish your WHY behind your goals, and to begin today to embrace exactly where you are. Don’t wait until you get where you think you want to be to start loving the life you have. 

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  • Bonnie says:

    Thank you for this timely post. Amen and amen to all that the Lord led you to say!! Thank you for the reminder of the abundance in Christ Jesus. He’s been nudging me in that area so your post with the reminder is a blessing.

  • Laura says:

    During the recession I cleaned houses with a friend to make ends meet. I don’t know why, but I was shocked to find out that the family I worked for, who had an abundance, had the same problems I had. Even though I knew in my head that money wouldn’t solve my problems, I had to see it up close for that realization sink into my heart. I just assumed that a vacation with my husband would bring us closer together. Or extra money for activities with the kids would make them better kids. Or a little extra to splurge on myself would make me skinnier, happier or more fulfilled. I thought money was what stood in the way of all my problems. It is silly, I know. But seeing someone in the same life season as me, but with a larger bank account, was helpful for me to realize that I didn’t need as much as I thought I did. Jesus was kind enough to give me a job that provided an income and a life lesson at the same time. I left that job grateful for all He has provided and without the envy that I had before.

  • Cheryl says:

    That does seem like a kind of weird thing to say everyday “I am a multi millionaire.” To dream it is to believe it I suppose. Not really a philosophy I buy into. Thanks for such a though provoking post.

  • April says:

    I soooo needed this right now! Thank you so much for this post, Crystal!!!

  • Sarah says:

    So true! I was reminded of the Bible verse that says something (I can’t find it right now to save my life lol!) about having just enough- not too much to forget God and think you are greater than you are, but not so little that you sin trying to get more. All about contentment, which is a big struggle for me. Love this!

  • Lori says:

    I like this post. The Lord did show me once that invisioning a goal and speaking it out is prophetic and powered with prayer (God does it) and God’s heart (God’s will) it can move mountains. My son was batting when God was teaching me this comcept. I said, “God please help Landon. I know he’s going to hit the ball really far!” Then I imagined it going far into center field. Well the Lord showed off and my son hit his very first home run, right over the center field fence. To say I was shocked with delight was an understatement! I think we should do more with this concept and I’ll let you know the results.

    • Elizabeth says:

      I agree that envisioning God answering prayers can be very powerful. However I went through a tough time when God did not answer my prayers in the ways I wished. I learned the lesson that my prayers need to be in line with God’s will. I was praying a lot of selfish prayers without being open to what God wanted for me. I was treating God like a convenience store, like I could walk up to God and order whatever I wanted – instead of submitting to the Lord’s loving plan for my life. When I am praying for something against God’s plan, I will just be disappointed. So I started to pray more along the lines of, “Lord, I want [whatever situation] to have [whatever outcome]. But more than that, I want my heart to align with yours. Please prepare me for whatever your perfect will is in this situation. Help me to see what you want me to learn from this or how I can serve others in this situation.” This change in my prayers has helped me so much to pray powerfully and draw closer to God.

  • Pamela says:

    So true!! I’ve come to see money as a really handy tool. And don’t get me wrong – I’m grateful every day for the abundance we have. I know there are many people who don’t have the basics, yet I am able to live in relative luxury. And I do want to make/save more money but as you said -there’s a why behind it. I want to have enough to take care of our needs as we age without burdening our child (or children, if we have more). I want to be able to help our kid(s) with their school expenses and as they become independent. I want to be able to help our our parents if they need it so they can live in peace and dignity in their final years. Obviously, there are ways to help in all those areas that don’t necessarily require money – but money does help. And I do admit, I’d like to get my nails done regularly and hire a housekeeper 🙂 But beyond that, having a giant pile o’ cash (or an equivalent pile o’ stuff) is just not appealing. We can’t take it with us, after all!!

    (and yeah, and affirmation of “I am a multi millionaire”?? Weird.)

  • Kristie says:

    Good thoughts!

  • Anders says:

    Thank you for this post Crystal!

    I agree with you, when it comes to not setting the “why” or the end-goal to be money in itself. In my opinion, it’s better to set the end-goal to something more tangible, like what kind of business you want to run and what house you want to own. If you become a multi-millionaire on the way, that’s fine and dandy.

    I guess some of this goes back to ideas in “Think and Grow Rich” with the ideas to envision the result in money that you are after, and then your mind will help you find ways to get there. This is also a strategy for some people I guess, if it works for them. In that case, I suppose the mind would help them create the company that takes them to the end-goal, which is money.

    It feels like there are so many different ways to look at money, and strategies for attracting money that it sometimes gets a bit confusing in what to believe.

    In your life and blogging journey, have you felt that way too Crystal, that the amount of different ways to approach something sometimes almost leads to overwhelm instead of helping?

    • I think the different approaches can be helpful — because they give different options for different people! However, if you don’t just pick the one that makes the most sense and go with it, they definitely can lead to overwhelm!

      • Anders says:

        I agree!

        I think of it like a buffet or smorgasbord, where you can pick the thing you like the most and leave the rest. Then it’s just a matter of finding what approach you like and that resonate with you.

        Have a nice day!

  • Beth says:

    I had a coworker who really bought in to this philosophy (actually the branch she got in to was more of a religion.) It didn’t really work for her. She really tried to be an upbeat person that could visualize what she wanted to happen and then it would happen. But life doesn’t work that way. She quit her job (which she hadn’t held that long) when it disappointed her and tried moving on to the “next” thing. I think your post is a perfect response to this philosophy!

  • Ashley P says:

    My personal affirmation is taken from the movie Moms’ Night Out:

    “I am a mess. But I’m a beautiful mess. I’m His masterpiece. And that’s enough.”

  • jennifer says:

    That daily affirmations thing sounds like that whole “the Secret” craze that was popular about 10 years ago—if you wanted something, you were supposed to visualize it and it’d come to you

  • Jessica says:

    It would be great if the CEOs earning tens or hundreds of millions of dollars per year while paying their workers minimum wage would read this post!

  • Abby H. says:

    Crystal, thank you so much for this post and I appreciate your transparency. As a reader, I do not see much honesty and I really appreciate yours. I am not a believer in this millionaire affirmation. I believe if we are good stewards of what the Lord has given us, our debt is not our bondage, God will bless us and we would be able to bless others. He will give us wisdom on who and when to help others as well. I am a goal oriented person and I set mine and sometimes I do not reach them. It does not stop me from reaching them but I also learn from my setbacks. Thank you again for everything you do on your blog..may God continue to bless your family in abundance.

  • Janet says:

    Amen to this!
    When I was 19 I got married. I put him through medical school I saved every penny I could find to make it happen when he graduated he left me with 200k debt. I have climbed my way out of all of that but now I’m 55 and I just now took the time to look up.
    The one thing I have always wanted was a home. Never had one, often did not even know where I would be sleeping for the night.
    I still want a home doubt I will ever have one but if I base my happiness on the fact that I don’t have a home, I might never find true happiness.
    Sure would be nice to have a home though, even one of those tiny homes would be nice.

    • “I still want a home doubt I will ever have one but if I base my happiness on the fact that I don’t have a home, I might never find true happiness.”

      SUCH a good word. I’m so sorry you’ve been through so much, but thank you for sharing!

  • Just to add another perspective – I’m part of a personal finance blogging community that focuses on FIRE (financial independence/early retirement). Their goal is to hustle to earn extra money, while living frugally, to build up investments that you can live off of and no longer need to work.

    But the idea of pushing yourself until you hit that “magic number” never seemed like a good idea to me – because you would miss out on so much of life with the goal of collecting money. That’s why we devised our own plan – to work hard to get out of debt, so then we can semi-retire to only work as much as necessary to cover our living expenses, while focusing more on family. There will be some sacrifice, but then so much more freedom.

  • Christine says:

    I’ve been saying daily affirmations as part of my routine throughout the day to help change my mindset to be more positive and it has helped alot!

    My personal daily affirmation is
    I am happy, harmonious, loving, strong, whole and perfect. I choose to enjoy this moment. God is with me.

    Other good affirmations could be
    I am forgiven.
    I am loved by God.
    I am God’s masterpiece.
    I am perfect just the way God created me.

    I think using affirmations to become rich or be a millionaire doesn’t seem right also.

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