Money and Mantras

Co-hosts Bob and Vipin examine the tension between ego and heart, and how pride can drive reactive choices in relationships and work. Through Vipin’s personal examples, they explore forgiveness, healthy self-recognition, strategic communication, and choosing peace without abandoning boundaries.

• Bob and Vipin distinguish healthy confidence from pride-driven ego, and suggest checking whether a decision serves personal happiness or seeks someone else’s approval.
• Vipin describes the Shiva archetype as a peaceful warrior, and reflects on how the urge to seek justice or prove he is right can consume energy.
• Forgiveness is framed as a way to release resentment and protect peace, not as approval of harmful behavior or a reason to return to it; boundaries still matter.
• Vipin shares how he chose a private, strategic conversation over publicly escalating a long-running workplace conflict, keeping the relationship and broader work in view.
• The hosts discuss recognizing personal accomplishments without depending on external validation, including Vipin’s pride in work he developed with AI.
• Vipin contrasts self-directed choices, such as buying a long-desired Porsche Cayenne, with actions motivated by showing off or winning approval.
• The conversation reframes the topic as pride versus peace: pause, clarify your intention, and consider the consequences before reacting.
• Vipin offers the mantra, “I’m calm, I’m centered, I’m loving,” as a practical way to return to patience and compassion.

• “I am calm centered and loving.”
• “It doesn't mean that you're condoning their behavior.”
• “We have to be strategic in how we say our truth.”
• “A healthy ego is somebody who's confident and humble at the same time.”
• “What's my intention? What's my motivation?”
• “Am I doing it to get someone else's approval?”
• “I'm choosing peace over pride.”
• “It's a hard choice to choose peace.”
• “How can I let go? By being loving to myself and to them.”
• “Just repeat that to yourself over and over again.”

• The Shiva archetype, described as a peaceful warrior who can destroy in order to create anew
• “I am calm, centered, and loving” mantra
• The intention check: Is this choice for your happiness or someone else’s approval?

• "I am calm centered and loving"
• "It is. I it is."
• "I'm choosing peace over pride."

Chapters00:00Introducing the ego-versus-heart dilemma
02:12Healthy ego, confidence, and protecting your peace
03:30Personal disappointment and professional disrespect
06:19Vipin’s Shiva archetype and the urge to blow things up
08:05Forgiveness, boundaries, and letting go
10:22How to speak your truth without escalating conflict
13:43Healthy confidence versus pride-driven ego
16:14Taking credit for your work without seeking applause
19:12Self-worth, criticism, and the Megadeth example
21:26Self-promotion, motivation, and personal happiness
24:26Choosing actions from love rather than appearances
26:34Pause, plan, and choose peace over pride
30:34The calm, centered, loving mantra


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

The conversation evolves into how our self-worth affects our relationships. Bob and Vipin agree that it’s crucial to surround ourselves with positive influences and let go of those who drain our energy. Vipin humorously categorizes people into three types: those who uplift us, those who are lost, and those who bring negativity. "A third of the people are evil. Do not hang out with them. Negative energy..." — Vipin. This candid discussion reflects the necessity of discernment in our social circles and how our self-worth influences whom we choose to engage with. The Role of Early Programming. The dialogue also touches on the psychological aspect of self-worth. Vipin explains that much of our self-perception is shaped by early experiences and subconscious beliefs. "By the time we're eight, we develop most of our psychological and subconscious programming." — Vipin. This insight illuminates the importance of self-reflection and, if necessary, the work involved in reshaping our beliefs about ourselves as adults. Conclusion: As the conversation winds down, both Bob and Vipin highlight that claiming your worth is an ongoing journey—one that requires patience and continuous effort. It's about understanding that you have more to offer than you give yourself credit for. For those looking to deepen their understanding of self-worth and its implications, this episode is a must-listen. Reflect on how you perceive yourself and consider what steps you can take to embrace your worth more fully.

Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

Bob and Vipin discuss whether suffering is inevitable or whether people can choose how they respond to pain, uncertainty, and financial stress. Vipin shares how mindfulness, purpose, gratitude, and focusing on what is within our control help him make room for joy while pursuing work that serves others.

• Vipin distinguishes real pain and grief from suffering, arguing that people can choose how they respond without denying hardship.
• Both hosts reflect on unexpected life changes, including job loss and relationships ending, and how those moments can lead to new directions.
• Vipin describes staying out of the way during a major technology outage and focusing on his own choices and purpose rather than outcomes he could not control.
• They discuss offering help without forcing it, protecting personal energy, and supporting people who are ready to receive it.
• Vipin explains how perspective and past programming shape interpretations of events, and shares the phrase “WII FM” - “What’s in it for me?”
• His daily approach centers on mindfulness, intentionality, self-honesty, acceptance, forgiveness, gratitude, and mantras such as “I’m concentrated and loving.”
• Bob offers the reminder: “I am allowed to experience joy before everything is perfect.” Vipin connects it to gratitude and letting go of perfectionism.
• Vipin talks about wealth without shame, saying he wants more so he can do more, including building technology to support social-care providers helping people in need.

• Mindfulness, intentionality, and acting on what you truly want in the present moment
• “WII FM” - “What’s in it for me?” as a lens for how people interpret the world
• Daily mantra practice: “I’m concentrated and loving, inspired, and super grateful.”

• Notice what is and is not within your control, and direct attention toward your thoughts, choices, and actions.
• Try a brief daily check-in: be mindful of what is happening, then choose an intentional response.
• Use a personal mantra to reinforce the qualities you want to bring to the day.
• Practice gratitude for the life and relationships you have now, rather than waiting for circumstances to become perfect.
• Offer support without imposing it, and protect your energy when someone is not ready to accept help.

Sound Bites

• "Life is what you make it."
• "Your perspective has tremendous power."
• "You own your own destiny."

Chapters00:00Suffering versus joy, and what we can control
02:23Vipin’s distinction between pain, grief, and suffering
05:14How mindset can change the response to job loss
08:38The text that sparked Vipin’s “own your destiny” message
10:44Purpose and staying centered during a technology crisis
12:22Why help only works when someone is ready to receive it
15:15Perspective, WII FM, and changing old mental programming
17:35A practical framework: mindfulness and intentional action
21:41Finding joy in ordinary routines and trusting a higher power
23:00Feeling joy before life is perfect
25:12Gratitude, wealth, and wanting more to do more
28:15Owning your strengths and using purpose to serve others
30:09Vipin’s technology mission for social-care providers
32:20Final thought: own your own destiny

Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

In this episode, Vipin shares insights from his recent conference experience, exploring the power of energy—physical, mental, and spiritual—and how service and kindness can transform lives. Discover practical ways to cultivate purpose-driven energy and foster connection in a disconnected world.

• The three types of energy: physical, mental, spiritual
• How service and kindness generate purposeful energy
• The impact of mindfulness and intentional living
• Stories of small acts of kindness transforming lives
• The importance of self-care and filling your own bucket
• Cultural differences in community and connection
• The role of energy in leadership and influence
• Practical tips for protecting and replenishing energy

• "Service can give us so much energy"
• "One small act of kindness can change your life"
• "Be kind to yourself and it will trickle down to others"

Chapters00:00Introduction to the episode and main themes
02:24Vipin's recent conference experience in Oakland
04:11Managing high energy states and staying centered
07:01Understanding physical, mental, and spiritual energy
09:58Research on spiritual energy and its societal impact
12:23The role of service in generating purposeful energy
16:20Small acts of kindness that change lives
20:26Cultural differences in community and connection
23:36Protecting your energy while helping others
26:28Self-care and filling your own bucket
31:54Living intentionally and with mindfulness
32:12The importance of love and kindness in life


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

In this episode, Vipin and Bob explore the profound connection between who you become and what you achieve. They discuss how mindset, habits, and intentional actions shape success and fulfillment.

• The importance of becoming the person who can achieve your goals
• The role of positive thinking and mindset
• How habits and repeated actions influence success
• The concept of paradigms and mental models
• The significance of self-awareness and introspection

• Success is about who you become, not just what you acquire
• Your mindset and habits determine your ability to attract opportunities
• Consistent, intentional actions are key to progress
• Changing your paradigm can transform your results
• Becoming the person you want to be is a gradual process

Chapters00:00Introduction: The Link Between Who You Are and What You Achieve
02:05The Role of Positive Thinking and Mindset
03:56Achieving Sustainable Success Through Inner Growth
05:53Real-Life Examples of Becoming Before Achieving
08:04The Power of Communication and Presentation
10:05The Importance of Mindset and Habits
11:55The Concept of Paradigms and Mental Models
14:00Building Habits and Repeating Actions
16:11Taking Small Steps and Consistent Progress
17:55Awareness, Mindfulness, and Intentionality
19:55The Role of Action and Decision-Making
21:56Overcoming Challenges and Self-Reflection
24:13Practical Tips for Personal Growth
26:03The Danger of Becoming Someone You Don't Like
28:13The Value of Giving and Purpose
29:59Living a Purpose-Driven Life
32:08The Power of Self-Reflection and Why
34:00Final Thoughts: Becoming Your Best Self


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

Vipin and Bob explore the relationship between humility and confidence, emphasizing how true confidence stems from self-awareness, acceptance, and continuous self-improvement. They share personal stories, practical strategies, and mantras to cultivate inner confidence and humility in both personal and professional life.

• The relationship between humility and confidence
• How self-acceptance and humility build genuine confidence
• The importance of self-awareness and self-love
• Practical strategies for cultivating confidence, including mantras and affirmations
• Leadership lessons from Microsoft CEO Satya Nadella and Steve Bomber
• The role of vulnerability and listening in personal growth
• The impact of childhood beliefs and societal messages on self-esteem
• The importance of advocacy and self-respect in professional settings
• Tools and routines for maintaining a positive mindset
• The ongoing practice of humility and confidence as a life journey

• True confidence comes from self-awareness and humility, not external validation.
• Practicing self-acceptance and gratitude builds inner strength.
• Using mantras and affirmations can reprogram your mindset.
• Leadership examples show humility and curiosity lead to success.
• Self-advocacy is essential for personal and professional growth.

Chapters00:00Introduction to humility and confidence
01:18Vipin's coaching story and personal confidence journey
02:46The importance of internal confidence over external outcomes
04:25Faking confidence versus genuine humility
07:00Leadership lessons from Microsoft CEOs
08:55The power of self-belief and admitting 'I don't know'
11:20Acceptance, gratitude, and self-pride
14:37Using mantras and affirmations for mindset reprogramming
16:51The role of self-love and humility in confidence
20:26Handling mistakes with humility and kindness
25:03Advocating for yourself and setting boundaries
32:16The balance of spirituality and entrepreneurship
34:46Priorities and daily routines for centeredness
36:44Final thoughts: Be kind, proud, and humble


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

In this episode, Vipin shares insights on managing chaos and cultivating calmness amidst life's challenges. He discusses real-life examples, mental models, and practical strategies to respond effectively to chaos and foster inner peace.

• The internal nature of chaos versus external circumstances
• The importance of being calm, centered, and loving in the moment
• Strategies for responding to chaos and emotional triggers
• The role of self-awareness and mindfulness in managing chaos
• Real-life examples of chaos and calmness in leadership and relationships
• The significance of acknowledging imperfection and practicing resilience
• Mental models for understanding chaos and response
• The concept of practice over perfection in emotional regulation

• "Chaos is always inside us, not just outside."
• "Calm does not mean silence, but action from a calm place."
• "Getting back to your center is the key to handling chaos."

Chapters00:00Introduction to chaos and inner peace
02:04The internal origin of chaos and external influences
04:00Vipin's recent challenging week and lessons learned
06:48The mantra: calm, centered, and loving in the moment
10:07The power of responding, not reacting
13:05Chaos as an opportunity for growth and connection
16:55The role of relationships and shared experiences in bonding
22:05Personal stories of emotional triggers and growth
26:03Tools and strategies for returning to calm
30:01The importance of self-awareness and accountability
33:50Practice over perfection: continuous growth
34:59Closing thoughts on chaos, calm, and personal development


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

In this episode, Kumar and Bob explore the profound impact of living in the present moment, drawing insights from Eckhart Tolle's 'The Power of Now' and personal experiences. They discuss practical tools for mindfulness, the human condition of overthinking, and how embracing the now can lead to a more fulfilled life.

• The core principle of living in the present moment
• Tools and practices for mindfulness and intentional living
• The human tendency to overthink and ruminate
• Personal stories illustrating living in the now
• Insights from Eckhart Tolle's 'The Power of Now'
• The importance of awareness, intention, action, and release
• Practical examples of mindfulness in daily life
• The impact of living in the past or future on mental health

• You only have now, and that's where life happens
• Practicing mindfulness can transform your experience of life
• Living in the moment reduces anxiety and stress
• Tools like meditation, walking in nature, and prayer help cultivate presence
• Recognizing and releasing ruminating thoughts is key to mindfulness
• Every moment is an opportunity to choose your focus and attitude
• Living intentionally in the present enhances relationships and personal growth
• The human condition involves overthinking, but awareness can change that
• Small daily practices can significantly improve your ability to stay present
• Embracing the now allows for a more joyful and fulfilled life

• "The present moment is where life happens"
• "Overthinking is the human condition"
• "Every moment matters, choose to enjoy it"

Chapters00:00Introduction to Living in the Present Moment
02:05The Power of Now and Personal Awakening
04:05Recognizing Living in the Future and Past
06:00Tools for Cultivating Mindfulness and Presence
08:01The Human Condition of Overthinking
09:58Personal Stories of Living in the Now
12:02Practicing Patience and Centering
14:07Living Fully in the Moment with Family and Friends
16:06Enjoying Life's Simple Pleasures
17:57The Power of Awareness and Intention
19:54Applying the Principles in Daily Life
22:05The Inner Game of Tennis and Mindfulness
23:59Teaching Kids to Be Present
25:51Micro Moments of Mindfulness
27:51Living Ambitiously in the Present
30:11Final Thoughts and Practical Tips


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

In this episode, Vipin shares insights on how to improve focus and mindfulness in a world full of distractions. He discusses practical strategies, mental models, and personal routines to stay present and achieve clarity in both personal and professional life.

• The impact of social media and modern distractions on focus
• The Indian philosophy of Maya and illusion in life
• Jim Quick’s concept of living a limitless life
• The importance of being present in the moment
• Vipin’s personal routines for focus and mindfulness
• The role of mantras and mental models in focus
• Strategies to quickly regain focus after distraction
• Balancing positivity and realism in feedback and self-talk

• "How are you at being present in the moment?"
• "Managing your emotions is critical to focus."
• "Just practice daily, practice in the micro moments."

Chapters00:00Introduction to focus and mindfulness in modern society
02:09Jim Quick’s philosophy of living a limitless life
04:06The importance of purpose and values in focus
06:05Practical tips for staying present and focused
07:55Vipin’s personal routines for mental clarity
12:00Managing emotions and staying calm in challenging situations
16:01Balancing positive and negative feedback effectively
20:10Dealing with distractions and regaining focus
24:07Using mantras and mental models to stay centered
28:12Vipin’s daily routines for mindfulness and purpose
31:04Final thoughts on practice and consistency


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com

In this episode, Vipin and Bob explore the concept of protecting and expanding your energy through mindfulness, boundaries, and focus. They discuss how energy influences our thoughts, actions, and manifestations, offering practical insights to live more intentionally.

• The connection between energy and attention
• How focus influences manifestation and reality
• The importance of boundaries in protecting energy
• Practices for mindfulness and living in the moment
• The role of positivity and realism in life and success

• Your energy is your attention, emotional capacity, and confidence.
• Focus on what you want to attract more of in life.
• Setting boundaries is essential for maintaining your energy.
• Living in the moment helps you stay centered and intentional.
• Small leaks in energy can derail your day and long-term well-being.

• "Where your energy goes, your life follows"
• "Match the energy of what you want and it will come to you"
• "Focus on what you want to attract more of in life"

Chapters00:00Introduction to Energy and Focus
02:20Expanding and Protecting Your Energy
04:12Manifestation from a Scientific Perspective
06:39The Power of Focus and Boundaries
09:29Handling Leaks and Triggers in Energy
12:09Creating Balance and Purpose
13:30Morning Rituals for Energy
16:07Simple Joys and Open Boundaries
20:00Flexibility and Living in the Moment
23:52Aligning Energy with Your Goals
28:28Mindfulness and Intention in Daily Life
31:45Final Thoughts on Protecting Your Energy


Vipin Singh and Bob Schmidt host the Money and Mantras podcast.

New episodes drop weekly. Subscribe wherever you listen to podcasts and join a growing community committed to creating wealth with awareness, strategy with soul, and success without burnout.

Ready to go deeper? Connect with us, share your biggest takeaway, and tag someone who’s building their next level.

Because manifestation isn’t magic.
It’s alignment — applied consistently. 

For more information, please visit http://ChakraMantras.com