Creating money is one of the major problems we have in life. 


Sure, we can create money by having a job, a business, or selling what we are passionate about. 

But why is it so hard to create and keep money in our pockets? Why does it feel so difficult to become millionaires and make money work for you? 

As a money mindset expert, I’ve had many entrepreneurs and clients come to me and ask these questions. 

Their money stories are the same. They make huge amounts of cash through working in corporate or running their own business. 

At the end of the day, it still isn’t enough. 

Today I’m going to share some truths about money and the universal laws on creating money. 

So let’s get it started. 


creating money

The Scarcity Mentality and Creating Money 


I love money, and I don’t have problems with it. 

Most people think of it that way. But in truth, almost everyone has a scarcity mentality when it comes to money. 

And that’s a huge problem. 

Steven Covey speaks about the scarcity mindset perfectly in his book, The Seven Habits of Highly Effective People

For him, the scarcity mentality definition means people only see life as there was only one pie. And if people get a bigger piece of the pie, that’s less for everyone else.

Covey also said people with a scarcity mentality have a difficult time sharing recognition and credit. They see power and profit to be for themselves, and they have a hard time being genuinely happy for other people’s success. 


creating money - scarcity mindset


What’s ironic is, these people probably don’t even know that they have a scarcity mindset. 

So how do you see the signs?

Having a scarcity mindset only allows you to focus on short term decisions. It also ignores the long term plans since most focus on the now. 

This also gives the person a false sense of importance, thinking the world revolves around them.

And often this leads to feelings for jealousy and sadness whenever things don’t go their way. 

So how does this translate to personal finances and creating money? 

People with this kind of mindset usually feel paranoid and insecure about money. Often they feel like the money they have slops through their fingers. 

They spend their paycheck thinking they’re one day millionaires. They swipe their credit cards for unnecessary stuff. 

They worry about the bills when they come, and wonder why good things happen to someone else except them. 

Do you feel like this? Do you have any money habits that are similar to this?

If you do, then, don’t fret. 

The good news is, you can still make the shift.

But first, let’s talk about the other type of mindset: abundance. 


The Abundance Mentality 


On the other hand, Steven Covey describes the abundance mentality as a flow of a deep inner sense of personal worth and security. 

They believe that there is plenty of sources to go around. Because of this, it’s easy for them to share prestige, recognition, profit, and decision making. 

This opens possibilities, options, alternatives, and creativity for them. 


creating money abundance


People with abundant mindsets usually have a positive outlook on life. They believe that problems always come with solutions as long as you’re creative with your approach. 

They also understand the good in long term planning. They don’t believe in instant gratification because they have bigger goals in mind. 

They have the discipline to say no so they could focus on productive things. 

It’s not that they don’t know how to have fun. It’s just that they know what their priorities are. 

When it comes to personal success, they create a positive environment for growth. They also cheer other people on and push them towards success. 

They’re also happy about other peoples’ wins and it doesn’t take away from their own. 

On finances, money comes in easy to them. They attract the amount they want and get it at the time they set. 

For them, money is not something to keep but something to grow. 

That’s the difference between people with an abundance mindset and the scarcity mentality 


Scarcity Mindset and Toxic Money 


You probably have your mindset when you read this. It might be surprising to realize that you don’t have the right mindset to attract and create money. 

The good news is, it’s not your fault. 

Toxic money is something that society has unconsciously given us through its teachings. 

We were taught at a young age that money is the root of all evil. Money makes people corrupt and does unforgivable things. 

For some reason, some people also relate spirituality and religion to poverty. It’s like we need to let go of the desire for money in exchange for merits for the afterlife. 

The problem here is we need money to survive. Religions also teach us to be prosperous and to help others while we are here on earth. 

Here is where it gets confusing for most. 

These contradicting ideologies tend to give us guilty feelings towards money. It makes us feel that we are greedy and selfish for wanting abundance for ourselves. 

That’s where the toxic money comes from. 


toxic money


It makes us think that we need to work too hard to deserve every penny we earn. 

It makes us feel shameful to want to have millions in our bank account. 

It’s also the reason why we still feel like a money drain despite all the effort we put in when making money. 

This toxic money mindset is a paradigm that we need to change. 

It’s that little voice that feeds doubt in your mind despite all the books you read and affirmations you say. 

Let me tell you this again. It’s not your fault. And there is a way out. 

Read more about how to remove limiting beliefs here. 

The Universal Law of Creating Money 


Now that you know the two kinds of money mindset, and the reason why nothing seems to work for you. 

Let me tell you about the universal law of creating money. 

It all starts in faith. Yes, you read that right. Faith. 

You need to first believe that everything is possible. 

As I mentioned, religion teaches us about prosperity. That’s what the Divine Source wants for us. 

And for abundance to happen, we need to believe that it will. 


universal law of creating money


The secret to the universal law of creating money is simple — it begins with you. 

That’s right, you. 

The money you attract is not defined by your race, your culture, nor your religion. Your relationship with money begins with how you respond to it. 

Here are three principles of the universal law of creating money.


Everything is energy 


Everything around us is energy, from our thoughts, words, and emotions. Light, air, even the stones have energy. 

Years ago, people would have thought of this as woo-woo. But Physics has proven that this is true. 

Albert Einstein said it himself. It’s all about vibrations.

Everything in life is vibration. Everything is energy and that’s all there is to it. Match the frequency of the reality you want and you cannot help but get that reality. It cannot be any other way. This is not philosophy. This is physics. – Albert Einstein

Everything around us vibrates, and we use our senses to recognize them. 

That’s how our eyes pick up colors and light, how our nose picks up scents. Even the air carries sound vibrations that enter into our ears and get translated into our brains. 

We also have our sixth sense which tells us about things we can’t perceive with our basic senses. 

This gut feeling, or instinct as we also call it, gives us a different sense of what’s happening around us. 

It connects us to the things we can’t see. 

It’s that warning you get when something’s about to go wrong. It’s that good feeling you get about a deal you’re about to close. 

The point is, we function in a world full of vibrations. It’s just that we may not be fully aware of its existence. 

But now that you know, it will be easier to tap into the different levels of vibrations so you could change the way you think about money. 

Learn more about vibrations here


All energy vibrates at a particular frequency 


Not all vibrations are the same. There are low vibrations and high vibrations. And each level affects us in different ways. 

Dr. David Hawkins explains it well in his Scale of Vibration. 

We all function at a certain level of energy. When we’re happy and content, things tend to be lighter and easier. 

When we’re functioning in fear, guilt, or shame, it feels heavy and confusing. 

Money is the value you use in exchange for the energy you exert. It is of high value and high frequency. To attract money, you should also align your vibration to it. 


on creating money


As I mentioned earlier, your paradigm around money has an impact on how you react with it. 

If you’ve been taught that wanting money means you’re greedy, it can result in feeling shame. 

If you were taught that you should aim to live frugally and not want money, you’ll feel guilty when you’re around money. 

In order to attract abundance and align with money’s frequency, you need to let go of these low vibration frequency. 

Doing so will free you and raise your vibrations to higher ones. These negative emotions can be replaced with feelings of acceptance, willingness, gratitude, and love 

Learn more about David Hawkin’s Scale of Vibration here. 


Your thoughts and actions create vibrations and frequency 


So how exactly can you change your vibrations and raise them to higher frequencies? 

It’s simple. Take control of your actions and reactions. Make a conscious choice to pick out how you respond to what’s going on around you. 

It all starts with gratitude. 

Complaining attracts more negativity because you focus only on the things that are not happening for you. 

But when you start counting the blessings you have, I promise you, everything will change. 

Your perception dictates how you respond. And when you change the lens you use to see with, everything else will follow. 

Choose to see with eyes of gratitude, and you’ll be surprised by what you see. 

Check out these twelve steps on how to change your vibrations today.




The secret to creating money is simple. It all depends on you. 

It doesn’t matter what your background is, or whichever part of the world you’re in. 

What’ matters are how you respond to the challenges around you. It also matters how grateful you are, despite what’s going on. 

Want more tips about the universal law of creating money? Listen to my podcast here. 

And if you’re ready to change your money story, make sure to register to my Five Day Millionaire Mindset Makeover Challenger here. 

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