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Why do many intelligent, talented people under-earn? What is the psychology behind why people short-change themselves, earn less than they are capable, and experience financial problems because their needs exceed their income?

We create money problems by resisting how much cash we allow to flow into our lives. There is no shortage of money, but a reluctance to feel worthy to receive it, even if it means extreme hardship. This is “money resistance.”

Money resistance, then, is the sub-conscious reluctance to earn more money. It is also a desire to hoard money because you feel insecure about your ability to earn more. In either case, you associate pain to money and try to avoid dealing with it.

You have money resistance when your expenses exceed your income, you feel panicked about how to pay your coming expenses, and you feel uncreative and unresourceful about how to make any more money. You also lack the drive or will to explore how to solve your problem. You have a general feeling of apathy about what to do.

Money resistance is created by the subconscious mind.

Your subconscious mind, which is about 90% or more of your mind, runs you–although, you may believe you are 100% conscious. You are run by your moods, feelings, and past traumas. In the past, when you associated any kind of pain in relationship to money, your subconscious mind tried to keep you safe by trying to bring less money into your life. Thus, you have a reluctance to earn it, save it, and even spend it. There is a general feeling of discomfort around money. You’d rather not deal with it.

You know you have money resistance if you are low on money and feel the pinch.

Most people like to point out their lack of opportunities. But if the world had a dearth of opportunities, then poverty would exist for everyone. However, many people earn large amounts of money. Thus, making money is an inner game. When you feel good about serving others, they gladly pay you for it. If this is not the case, you are either not serving others or associating with negative people. Something needs to shift within you to motivate you to find the right work and be with the right people.

It is ironic that people resist money when they need it–but this is something that happens at the sub-conscious level, not at the conscious level.

It is because money is a highly-emotionally charged subject. This charge creates a strong effect on the subconscious mind. Since most of this charge is negative, that is, pain associated with handling money, a defense mechanism of avoidance kicks in. All of this happens below the threshold of conscious awareness. On the surface of things, people appear to be struggling really hard to make a small amount of money. Yet if making money had to do with hard work, ditch diggers would be millionaires. Making money is a creative act. You have to dig into your well-spring of ideas and energy to start earning more. You can start to retrain your subconscious mind to start working in alignment with your conscious desires. When it does, you will be amazed at your own resourcefulness.

The first impact of healing a money wound is that it will improve your job performance. It will also allow you to be more resourceful in finding or creating a new job if you don’t like your current work.

When you change within, your outer world changes. You become more creative, more resourceful, more outgoing, more giving. You also stop deleting all those opportunities for further education or creative self-expression that you automatically and habitually delete. Once you uproot the reluctance to earn money, you are open to looking at your environment and your relationship to other people in a whole new way.

The only way to get control back, even if things are currently out of control, is by becoming more conscious of what is sabotaging you from within. By uprooting your beliefs about money, beliefs that you don’t even know you have, you start to move in the direction of being resourceful and taking steps to improve your situation.

I was exposed to “money resistance” when working with clients in a therapeutic practice. In that setting, you get to unravel the blocks and inhibitions in people’s subconscious minds. Therapy is bringing the hidden fears into the light of awareness, so that the person can then move beyond it. One of the biggest problems people have is insufficient income to meet their needs. However, once the root cause is pulled up to the conscious mind, you automatically let go of it.

This is another exercise first introduced by Abraham Hicks that I have found to be extremely helpful in creating more money in my life.

Quite often many of us say that we want more money. But because the idea of “really having” a lot of money is so foreign to us – we find it very hard to create it from our current experience.

Because we continually experience lack and are so used to working from that perspective, it is very hard to “really” imagine what having a lot of money “feels” like. And as you know the Law of Attraction works from our “beliefs” and “feelings” about what we are trying to attract.

This is where the Prosperity Game comes in. The Prosperity Game is a practice of receiving checks from “the Universe“ that doubles in its amount every day. Each day as you accept this check it is your job to spend every cent of it. Sounds easy right? But, if you are not used to having a lot of money you will be surprised how hard it is at first to stretch your imagination. This is the most important part of the game. The game is designed so you can practice stretching your limited ideas about money and to get an understanding of what it really “feels” like to have unlimited amount of money at your disposal.

Here are the basics of how the game works, then we will go into the various ways you can play. Every day you will receive a virtual check from the Universe, and each day thereafter it will double in size. So, on day one you will receive a check for $1,000. You need to then spend that entire $1,000 by the end of that day. List each thing you will buy with it and the approximation of what it will cost. The next day you receive a check for $2,000. Again you must spend it all. The next day, $4,000, then $8,000, then $16,000, etc. Each day the day’s before amount doubles. Sound easy enough? You would be surprised how hard it gets when you reach the $100,000 mark.

Now here is the catch. The first rule is you cannot give it away freely to anyone unless it is for a special occasion, i.e., birthday, anniversary, etc. The reason behind this is going with the thought that EVERY one of us can create any amount we desire at any time and that lack is not possible for anyone on this Earth. It is an important part of the exercise to get it into your subconscious that everyone had the same entitlement to create whatever they want in life and it helps to remind you of each persons ability to do this anytime you feel tempted to give them money. (The exception to this rule is if your future plans are to start up your own charity. Then you may list all the things you would need to purchase for it to be successful.)

The second rule is to not put it into any kind of savings unless you saving up for something specific like a house. The reason behind this is that “saving” in its traditional form infers that someday there might not be any more coming in and that you will need money to “fall back on.” If you are a true creator and believer you will realize that there will never be a day when more than enough money is not constantly coming in for your use. Also if you are going to save for the “dream house” it’s probably better that you not do that until your money has reached at least the $100,000 mark. This way you get used to spending the smaller amounts every day.

Different Ways to Play This Game

There are several ways to do this game. It is up to you which inspires you or is the most comfortable for you.

Use Actual Checks:

Do you have any old bank accounts that you have since closed but couldn’t make yourself throw out the box of checks that went with them? They are perfect for this game. Get a blank white envelope and on the front of it write something like: Dear Your Name Here: We love you so much we have decided to give you an allowance for the rest of your life. You deserve this money just for being who you are, because who you are is perfect. This money will double in value everyday because we know that the value of you as a being doubles everyday. Use this abundance to create whatever it is you are wanting to create today and know and trust you will always have more than enough for all that you need. Love Universe (or Higher Self, whichever you prefer).

Then write out the first check for $1,000. Write it To: your name; write in the amount on the line and in the number box. In the Comments portion write: Simply Because You Are and Sign It: Love Universe.

Put this check in the envelope you wrote the other message listed above and place both under your pillow each night before you go to sleep. When you wake up in the morning, always read the message on the front of the envelope first, staple the check to a blank page in a notebook and underneath write down how you are going to spend today’s money. This is a great exercise for tactile people that like to see and feel the experience of money. The opening of the envelope, the removal of the check and the handwritten ways to spend it. If you are the type of person who writes checks and pays their bills by mail this is probably the best exercise for you, because you enjoy or are comfortable with the “feel“ of money.

Build Your Own Spreadsheet

This exercise is for people more comfortable with the computer. It is very simple to create a spreadsheet or word document for this exercise. Type the “envelope saying” listed in the above example on the first page of your word document or spread sheet. Be sure to read this first every day to remind yourself of why you are receiving this money. Then each day start a new page of the document with the new daily amount and type below it what you are purchasing today.

Great Online Program or Have It Emailed To You Daily.

If you are the type of person who loves interacting with the computer this is the perfect program for you. It is totally free and currently has over 22,000 active users. It will customize your “checks” every time you visit. Even if you miss a day – it will pick up from where you left off. The fun of this game is it asks you to focus on what you are wanting, how strong your desire is, how strong your resistance may be when you have to spend your money for the day and it will keep track of every entry so you can always go back and check on previous “purchases” or to see how far you have come. It even has a 21 day email program where they will send your “personalized checks” in the mail until doing the exercise becomes a habit.

Unfortunately many article directories will not let me put direct links into the body of my articles but if you click on my web address listed in the author box below, my homepage has the direct link to the on-line version titled The Prosperity Game. Like I mentioned before it is totally free and a really fun way to play the game.

Any which way you decide to play the game will be effective. So many of us say that we want to create more money in our lives, but we are so used to living inside our comfort zone that we no longer dream or stretch our minds to the possibility of what having unlimited money really means.

We sometimes get so caught up in just having enough money for the necessities that we have forgotten that we are allowed to extend our desires to the things we are just simply wanting or desiringto experience.

So go give it a try. You might be surprised what you find out about yourself. You may find you place limits on your desires that you weren’t even aware of. Or find that spending all this money on yourself feels a little uncomfortable at first, because deep down you have forgotten that you are naturally deserving of all your desires.

The most important thing you will get out of this exercise however, is experiencing how it really “feels” to have unlimited abundance.

Remember the Law of Attraction brings you what you feel and think abut. So start learning how to think and feel true unlimited abundance and watch how it changes the “real” money you receive everyday.

If you would like to find more manifestation exercises to help you to use The Law of Attraction please visit http://www.theveryhappyhuman.com

Happy Creating!