785. Two Ways That We Always Create More Abundance

And one of our secrets that we have always used anytime that we don't feel abundant, is to reach down into the vault of ideas. Ideas that we didn't take action on before, finally decide to package them, put a quick marketing plan around them, put them out to the world and be able to create abundance out of thin air.

Welcome to the Earn your happy podcast. I'm Lori Harder, founder of Light Pink, best selling author, three time fitness world champion, and I'm a crazy multi passionate entrepreneur. My journey has taken me everywhere from being a broke waitress, barista, retails associate and personal trainer with massive anxiety and no belief in myself, to later becoming a multimillionaire in love with my life. In 2007, my husband and I lost everything. We found ourselves hundreds of thousands of dollars in debt at rock bottom. We had no ideas and I had no education to fall back on. This is when I found personal development and learned everything I could about business. Not by choice, but because I realized no one was coming to save me. The conversations on this podcast are going to let you know that you're not alone and that we all feel like we don't know what we're doing. We're going to give you the tools to help you face your fears, take action, start your business, and grow those massive dreams that keeping you up at night. It's time to create a life that you can't hide from and put so much on the line that your higher self is forced to come out. You're going to stop waiting for someone to approve of you and you're going to anoint yourself. Because I'm obsessed about building businesses that give women a platform, I want to feature you. So if you text the word podcast to 310-496-83633, you can get your questions answered on our Q and A segment along with a shout out. And if you rate, review and subscribe to this podcast, we're choosing someone every month to get coached and featured on our show. It just might be you. So let's get started.

And we're back with another episode of he said she Said.

This one is all about abundance money. Like guys, let's be real cashola. Some people hate the subject of money and at the same time you wish you had more damn money. And I think the first realization is like that desire that wish, the lack of feeling abundant sometimes never goes away. Any level. We've had it at every level.

I think if you hate money that is your number one sign or hate talking about it that it's the number one thing that you need to look at and face. It's kind of like when you want to fix something, the first thing that you have to do is acknowledge it. And so even if you're feeling that this conversation may not be for you or it's triggering or you're triggered by money, or you're triggered by paying your bills, those are major, major signs that the more that you look at it and you really assess where you're at, then you're gonna be able to start changing how you feel and attracting more into your life. And that's kind of an interest talking about attracting. But it is a huge piece of learning to create a good relationship with money.

If money triggers you, it's a sign that you got to lean more into it. And here's the best part. You can do it in a privacy of your own home. You can do it in a way that's kind of comfortable, right? Like, first pick up a book on it, Go listen to a podcast on it. Just surround yourself with very easy ways to start dipping your toes into education and inspiration around money, and it'll become less and less triggering.

So we wanna share our top tip each. So our number one first thing that came to mind when we thought about some of the or the most impactful thing in our lives that has created more abundance for each of us. So, Chris, do you wanna give your first tip?

Yeah. Well, I just wanna finish your sentence. And that is we manifest the shit out of money, and we always managed to get to that next level. We always manage to reach levels that we once thought were unforeseen. And when you and I were kind of peeling back the layers on a walk, we realized there's a real kind of method to our madness. Now, we can't share, like, all of them, but we'll share one big one each. And trust me, each one of these is enough to make a massive difference in your life. So, okay, so here's my first tip for manifesting more money in your life. Stop focusing on. On what you don't have and take inventory on what you do have. Now, you might have heard something like this before, but I really want to stress a couple key words here. Stop focusing on what you don't have. In other words, oh, I don't have money for bills this month. Oh, I don't have this. Oh, I don't have that. Stop focusing on what you don't have and start taking inventory. Notice I say don't focus. Start taking inventory of what you do have. You See, you have four tiers of assets, and assets are wealth. And what happens is we always only look at tier one, which happens to be like cash on hand and checking and savings. We only look at tier one assets, and if we like what the number shows us, then we're like, yay, I'm abundant today. And if we don't like what the number shows us, like, oh, I feel so broke. Oh, I'm not abundant. Oh, I can't get ahead. And I bet for many listeners, it's almost like from one day to another, you take that roller coaster. One day, yay, I got money. Next day, oh, I've got nothing left. And you gotta get off the roller coaster. And you have to focus on the number one thing, which is your overall four tiers of abundance, and especially tier number four, which I'm gonna share with you. Okay, so let me first list what the tiers are really quick. Tier 1 assets, I already said it's things that are easily recognizable on hand, cash on hand, checking, savings. That pretty much makes up your tier one assets. I guess you could throw your paychecks and your salary in there because it's kind of this guaranteed reoccurring thing that you're getting all the time. So tier one assets are cash checking and savings, and a paycheck or salary that's right around the corner. Tier 2 assets, though, that we tend to forget to keep visual. We. We tend to forget to keep these in front of us. Tier 2 assets are cash investments, such as mutual funds, index funds, stocks, bonds, 401k, actually leave 401k out for tier three. But it's cash investments that you used that you created with after tax dollars, right? So you already got tax on it. Whatever was left out of your check, you went and you invested in these cash investments. So again, tier 2 assets are like mutual funds, index funds, stocks, bonds, and I would say real estate equity. Cause it's easily accessible. Now what happens is you look at tier one assets, but you forget to realize, wait, I've got X number of dollars over here in this Vanguard fund. Wait, I've got X number of dollars over here in this E Trade fund. Or, gosh, I forget that I've got, you know, 50 grand or 75 grand worth of equity in my home. And so you might be feeling broke today while you really have an extra six figures sitting around that you forgot to acknowledge. If you just acknowledge your tier two assets. Now, tier three assets, these are things where in desperate times you could tap into them. And I'm also gonna throw the word urgent cause desperate makes it sound like oh God, it's the end of the world now I have to go to these. Sometimes urgent is like I've gotta start this business so it's time to do something extreme. Sometimes urgent is like I've gotta hit the reset button. So it's time to do something extreme. So tier three assets that you forget to acknowledge add up in your net worth are things like equity in cars or any vehicles that you might have, boats or RVs that if you had to sell them you'd be able to get some money out of them. Tier 3 assets and your this one's going to surprise you is available credit or your good credit score. In other words, if you had to, you could go get, you could tap these lines of credit, you could go get lines of credit, you would be able to get a lump sum of money and spread out the payments in an affordable way if you had somewhere smart to put them or somewhere urgent that they needed to be placed. That isn't always a bad thing. It's only bad when used irresponsibly without a Plan more. Tier 3 assets are investments with restrictions. Now this is where you're going to pay a penalty if you liquidate them. This is why I said save 401 for tier three. So for example your 401, you're always contributing to that with pre tax dollars. But if you were to take it out before you're eligible, then you're going to pay a penalty and taxes on it. So you wouldn't want to go tap your 401 unless you absolutely had to. But that falls under your tier 3 assets. And then other tier 3 tier 3 assets are friends or investors that would invest money in you. People that would love your idea and be an angel investor. It's your network. And lastly, tier three investments are like your jewelry, your electronics, your furniture, your collections of things, your old baseball card collection that you've been holding on to forever. Your, your burn the boats type of stuff that if you were in an urgent situation, you could probably squeeze several thousand dollars out of these things by deciding to part with them. So that's tier three assets. And again I'm going to bring you back to the focus of what we're talking about here. Tier 1 assets make you feel rich or broke almost on a daily basis. Cash, checking and savings. Tier 2 assets, it's other things such as mutual funds, index funds, you know, any post tax investments you made that you can take out without a penalty or Real estate, equity or equity and other things that are easily tappable. Tier 3 assets, where all the things that you would only liquidate in extreme urgency, but nonetheless there is value there and you're forgetting to acknowledge them. That's the whole point. You're forgetting to list out and take inventory and acknowledge that you have them. That's why you feel broke now. Tier 4 assets. This is one of my favorite, and this is one of the areas where Laurie and I have always been like, oh, time to unlock some tier 4 assets. Tier 4 assets are your untapped ideas, your untapped potential, your untapped ability to create income in 90 days or less. You finally decide to quickly write that course and launch it. You decide to quickly write that e course and launch or that ebook and launch it. You decide to quickly put together that retreat and pre sell it. Tier 4 assets are your untapped yet highly creatable things, ideas inside you that you would be able to quickly market and collect on. So I ask you, what talents could you monetize? What courses, books, events, products could you monetize in the next 90 days if you were urgent enough, if you were brave enough, if you were sick and tired, being sick and tired and finally took action? Those are your tier 4 assets and they have a real value. And so I'm just going to give you a real simple example to put a bow on mine and Laurie will share yours with yours. And go back to my original statement, and that is this. We typically feel a lack of abundance when we are looking only at our tier one assets, cash and checking and savings, paychecks and salary, and forgetting to take inventory of our tier 2 assets, our tier 3 assets, and our tier 4 assets, which are my favorite, that untapped idea in you that's worth 10 grand, 20 grand, 50 grand, 100 grand. Who knows if you would actually put it out there with urgency. And one of our secrets that we have always used anytime that we don't feel abundant is to reach down into the vault of ideas, ideas that we didn't take action on before, finally decide to package them, put a quick marketing plan around them, put them out to the world and be able to create abundance out of thin air. And I'm going to leave you with this one thought before Lori shares her secret. Your abundance does not come from the amount of money that you have on hand. Your abundance comes from the knowledge and the ability to create income at the drop of a hat. And that's the muscle I want you to build, to feel More abundant.

Oh, I love those super tangible actions that you can do. And some people will have never heard of that or have sat down ever and done that. And you guys, if you're in your car right now or somewhere where you can't do this, make sure that you do it tonight for real. It gets your brain into the place where you know, these are, these are, let's be honest, these are rich people actions. You know about your money, you know about what you're capable of. You view yourself as the source of abundance. So you ready for mine?

I'm ready for yours.

Okay, so good.

It better be good now. You built it up.

Okay, my number one tip for attracting more abundance into your life and creating more abundance in your life is to hang out with rich people. Okay.

It's true, but I laugh because it's just.

Okay, listen, listen. If you're like, I don't, that's great, but where are these people? It doesn't necessarily mean that you're hanging out with them as friends. Here is something that I want to share. There's a million different ways that you're going to get these people into your life. And the first one that I want to share is probably not super, but I want you to really start thinking about this is if you are currently in a job or you're looking for a different job, please don't go somewhere where you're gonna be locked away and not able to have conversations with people who are doing the things that you want. So, for example, Chris and I were just in Nordstrom and we were buying some luggage, and the kid that was working there right away was like, hey, do you travel? Where do you guys like to travel? And he was asking us all these questions and he said, you know, I want to travel all over the world. I haven't really gone to too many places. What do you guys do? Oh, my gosh, you're entrepreneurs. Like, tell me more about it. And this was the perfect example of him putting himself into a more luxury store and utilizing it, asking the people who are buying more expensive products. And clearly that's what this kid was doing. He was talking to every single person.

Really, really proact.

So proactive. Because he wanted to get into the networks of the people that he wanted to be like. And what ended up happening is that Chris, you went home with his contact and he went home with yours and you guys.

Because he asked for it.

Because he asked for it, right? He had no problem, no shame in that game. Asking questions, sharing exactly what he wanted to do. And so it's an active sport or you have to be an active participant in your life by saying, okay, not only am I gonna put my into these places, I might even frickin change jobs. Because right now I'm working at, who knows, maybe you're, you know, making sandwiches, maybe you're doing something where the odds of people coming in who have the life that you want are a little lower than maybe being in a place. Right? So really looking at where are these people? Maybe it's a, maybe it's a luxury resort, maybe it's a luxury hotel where, you know, the people checking in are going to be the types of people. Cause you wanna be vacationing, there are gonna be the types of people that you want in your network. So definitely that is my first portion of hanging out with rich people. My second one is gonna be springing for that one thing in your life that is gonna get you around people. So for me, this always showed up in the form of like my gym membership. I always paid for a higher end gym membership because I wanted to be around the people. Not only did they inspire me physically, because a lot of times they tend to have really high standards, not only for their life and their bank account, but also their bodies. So I wanted to be listening to these conversations, I wanted these opportunities to meet these people. So for you it could be springing for the higher end gym. Yeah, it might be a stretch, but you know what, it's gonna be the stretch that pays off. Maybe for some of you it's springing for a higher end hair salon where you're going to talk to some of the clientele in there. Maybe it's springing for Help me. Oh, staying at a really nice hotel. Maybe it's springing for. Oh, this is like when we sprung for the living in a luxury condo.

Building and we had the starting over financially.

We had the cheapest unit in the condo building.

You guys, it was actually a mother in law suite.

Yeah, it was a mother in law suite. It was a. Technically it was categorized as a studio. And we sprung for the studio after losing everything in a luxury condo building where there were, you know, multimillion dollar penthouses on top. And that was probably one of the quickest ways that we started to change our mindset because we pulled into the garage and there were Porsches and there were, you know, Ferraris and all of these incredible cars. And not only that, we were having these amazing conversations.

Christmas part.

Going to Christmas parties in the building with these incredible people who were thinking bigger. Our conversations were not about what was going wrong. Our conversations were about opportunities and ideas. And these are the places and these are the rooms where the opportunities and ideas are where the conversations are different. And it's just the truth.

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Too.

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So, babe, I feel like you wanted to say something.

I just wanted to give one more example. If anyone's ever heard Jesse Itzler's story. When he was first starting out in business, he was living in la and he went and worked every single day. Not a few days, every single day at the Beverly Hills Hotel, right there in the lobby. And he would order a salad and a coffee and spread it out throughout the day so he was allowed to stay there. He said he made more contacts and ended up doing business with more people by making that his office, by putting himself in the proximity of all the people doing big things five days a week during the work week. And it's things like that that people don't get creative enough to realize, wait, I could go put myself in the center of all the deals being done, in the center of all the thoughts being shared, in the center of all of all the high level, abundant energy if I got a little more creative.

If I remember correctly, though, he made himself ask people questions as they were going by. And I can't remember what that was. It was for sure. So it's not just doing it, but it is going in with the intention every single day to arm yourself with a really good question for interacting with people, observing things about them, maybe complimenting them on their bag that they're carrying, their computer bag. Like, wow, that's an epic computer bag. I love it. Where'd you get it? And then starting a conversation around that and saying, what do you do? What are you up to today? What are you up to today? For a business person is going to give you all of the answers that you need, because they're going to start talking about exactly what they do without maybe going straight to, what do you do?

You know, who's done this so well? You were just at my elite mastermind that I run. The whole group comes together for the whole year, and technically it's for earners who are earning over $500,000 a year in the year that they join. But damn near everybody in that room is, you know, seven or multiple seven figures. I mean, there's one person in there who's eight figures during this group right now. Actually two people. And so get this. Last year, two people barely squeaked their way in with the $500,000 worth of earnings that they were going to earn this year to be in the Mastermind. They barely squeaked their way in. And they. Because they're in the room with wealthier people that are already doing the things, sharing the ideas that they want to do, their business grew from barely squeaking over 500,000 to one of them is creeping up on 2 million and the other one's breaking a million. Oh, my God. That is a direct result of what you're talking about, about hanging around. And I know you're joking when you say hanging around rich people. It's like that's where you got to go. You got to go hang around the people who have already been there, done that. So actually, now that I told that story, I got to do a shameless plug. We are going to be re enrolling the Elite Mastermind and I'm going to be interviewing the participants. And by the way, 2/3 of this group renewed already for next year for 2022. So there's only a handful of spots left. I keep it very, very small. It's about 20 intimate businesses where we just lock arms for the year. So listen, if you're going to make more than $500,000 for sure in 2022, and if you want to be in this room full of seven and eight figure earners, then I want you to go to Chrisharder Me Mastermind. Again, it's Chrisharder Me Mastermind. Chrisharder Me Mastermind. Check out the details there. Fill out the application, and if your application looks like you'd be a great fit, I'm going to book an interview call with you to see if you can make it into the 2022 season of our Elite Mastermind. Again, go to Chrisharder Me Mastermind. Okay, I'm done with that Shameless plug. But it's really important. After watching those other two people skyrocket.

I am not done with that shameless plug because if you tuned into this podcast, it's because you, you want more money, you want more abundance in your life. And we're just being so real that this is the only way that we have done it is by getting ourselves into rooms that were a freaking stretch. Whether that is a virtual room or whether that is a physical room. This is the only way you and I have ever created more money and more abundance in our life was by getting into those rooms where people are having the conversations that are different.

Yes.

If you're not feeling totally stretched by the rooms that you're getting in, you're not going to stretch into the wealth bracket that you want to get to.

It's because you literally can't know what you do not yet know until somebody freaking lifts the curtain and shares it with you. All right, so listen, you want to be in that room if you're going to make over 500 grand in 2022, join our elite mastermind. Go apply @chrisharter me mastermind. Whether that's for you or whether you're not quite there yet, you know that we love and appreciate every single one of you for listening. And until next time, go out there, find and attract and manifest this extra abundance using these two tips that we just gave.

See you next time.

Sam.