Dr. Carmen Delia Ortiz, creator and host of the Transcendent Money Podcast shares the big why of the podcast and  its four main topic categories:  Transcendent Money Actions,  Transcending Money Conflicts,  Transcending Retirement and Transcendent Financial Planning.  

In my work with financial planning clients, I have seen firsthand how money scripts can hold people back from experiencing true abundance and financial freedom.  These scripts or stories are deeply ingrained beliefs about money that we adopt from childhood, culture, and personal experiences. They shape our attitudes and behaviors around money, often without us even realizing it.   I have encountered five common money scripts that keep people stuck and prevent them from living a transcendent financial life. 

Script 1  Money is Scarce
The first money script that I often see is the belief that money is scarce and there is never enough. This scarcity mindset can lead people to constantly worry about money, hoard resources, and struggle to make ends meet. By shifting this mindset to one of abundance, we can open ourselves up to new opportunities and possibilities to create and experience our own holistic financial well-being while serving humanity and the planet without conflicts nor fears.  

Script #2  Money is tied to Self-Worth 
Many people equate their net worth with their self-worth, leading to feelings of inadequacy, shame, and unworthiness. By recognizing that our value as human beings is not defined by our bank account balance, we can free ourselves from this harmful belief and start to cultivate a healthier relationship with money and with Life. 

Script #3   Money is Power
The third money script that I often encounter is the belief that money is power. While money can certainly provide a sense of security and freedom, using it as a tool to control others or manipulate situations can have damaging consequences. By shifting our perspective to one of empowerment and collaboration, we can use our financial resources to serve humanity and the planet from love, compassion and generosity. 

Script 4  Money is to be Hoarded 
The fourth money script that keeps people stuck is the belief that money is to be hoarded or accumulated. This scarcity mindset can lead to excessive saving, fear of spending, and an inability to enjoy the present moment. By practicing mindful spending, generosity, and transcendent financial planning, we can break free from this limiting belief and create a more balanced and fulfilling relationship with money.

Script 5 Money is a Source of Conflicts 
The fifth and final money script that I often see is the belief that money is a source of conflicts. Whether it's arguments with loved ones over finances, power struggles in the workplace, or tensions within ourselves about money, conflicts related to money can disrupt our peace of mind and hinder our ability to thrive. By cultivating open and honest communication, setting clear boundaries, and seeking support when needed, we can begin to resolve these conflicts and create harmony in our own life while building beautiful loving relationships. 

As someone who is passionate about helping others achieve financial wellness and abundance, I am dedicated to supporting individuals in challenging and transforming these harmful money scripts. By fostering awareness, compassion, and empowerment, we can rewrite our money scripts and create a new narrative that serves our highest good and the greater good of all. Together, we can co-create a new economy that aligns with our values, supports our well-being, and fosters a sustainable future for humanity and the planet.

As a certified financial planner committed to the expansion of consciousness,  in this Episode we share a Unitive Narrative of personal finances that encompasses our values, higher purpose, holistic well-being, our local community, humanity, and mother earth. In a world that often prioritizes material wealth over spiritual and emotional well-being, it is crucial to look at our money through a lens of interconnectedness and Oneness.

These  5 key elements of Financial Well-Being are in fact interconnected and  together represent a unitive narrative of conscious personal finance that supports the well-being of ALL. 

1.OUR VALUES
Our values play a crucial role in how we manage our finances. By aligning our spending,  saving,  investing and gifting behaviors with our core values we can create a sense of purpose and fulfillment with our financial decisions. Whether it's supporting ethical businesses, investing in sustainable practices, or giving back to our community, our values guide us towards a more conscious and intentional approach to money management.

2.OUR SACRED MISSION/HIGHER PURPOSE
At the core of our financial practices we can find a higher purpose that goes beyond the mere accumulation of wealth. By connecting our financial goals to our Sacred Mission, we can find true meaning and fulfillment in our financial journey. Whether it's supporting social causes, investing in sustainable businesses, or creating and supporting our own heart-centered project, our higher purpose can guide us towards a more holistic and meaningful relationship with money.

3.OUR WELL-BEING
True wealth goes beyond financial capital to include our social, cultural, knowledge, experiential and spiritual capital.  And our holistic well-being is essential in our approach to personal finances, going beyond money to include  our physical, emotional, and spiritual well-being. By taking care of our health, relationships, and personal growth, we can create a foundation of well-being that supports our financial goals while empowering us to serve humanity and the planet. 

4.OUR LOCAL COMMUNITY
Our local community plays a crucial role in shaping our financial decisions. By supporting local businesses, investing in community initiatives, and giving back to those in need, we can foster a sense of connection and solidarity that transcends financial transactions. Building strong relationships with our neighbors and actively participating in community activities can create a sense of belonging and purpose that enriches our financial journey.

5.HUMMANITY AND MOTHER EARTH
Humanity and mother earth are essential considerations in our financial practices. By recognizing our interconnectedness with all beings and the natural world, we can make decisions that do no harm, or minimize harm while maximizing positive impact. From supporting ethical and sustainable practices to investing in social causes that benefit marginalized communities, we can contribute to a more just and equitable world for all.

In conclusion, a Unitive Narrative of personal finances invites us to view our personal financial management as a holistic and interconnected practice that reflects our values, higher purpose, holistic well-being, our local community, humanity, and mother earth. By approaching our finances with awareness, intentionality, and compassion, we can create a more meaningful and fulfilling relationship with money that benefits not only ourselves but also the world around us.

As micro-cosmic creators of the new earth,  we are  committed to supporting a new economy that prioritizes the well-being of humanity and the planet. In order to achieve this goal, it is important to understand the various economies that shape our society and their connection to our personal finances.   Consider which of these “new” economies resonate with you and how your current money behaviors support the shift towards them. 

WELL-BEING ECONOMY
 This economic model emphasizes the importance of measuring success beyond traditional indicators such as GDP, and instead focuses on societal well-being, happiness, and fulfillment. When it comes to our personal finances, this means prioritizing investments in companies that promote the well-being of their employees, customers, and the environment.

REGENERATIVE ECONOMY
One of the economies that aligns closely with my values is the regenerative economy, which focuses on restoring and revitalizing ecosystems while supporting local communities. This economy prioritizes the well-being of both people and the planet and aims to create a thriving and resilient society. As conscious leaders committed to co-creating a new economy, we can support regenerative businesses and initiatives that prioritize social and environmental well-being. By aligning our financial choices with regenerative principles, we can help build a more equitable and sustainable economy for future generations.

DOUGHNUT ECONOMY
Similarly, the doughnut economy framework, developed by economist Kate Raworth, emphasizes the need to balance social and environmental needs within the constraints of planetary boundaries. This model encourages us to consider the impact of our financial decisions on both people and the planet, and to strive for a more sustainable and equitable future.

CIRCULAR ECONOMY
The circular economy is another important concept to consider when managing our personal finances. This economic model is based on the idea of creating a closed-loop system where resources are reused and recycled, rather than disposed of after a single use. As individuals, we can support the circular economy by purchasing products that are made from recycled materials, and by recycling and repurposing items in our own lives.
CARE ECONOMY
The care economy is a crucial aspect of our society that is often undervalued in traditional economic models. This economy encompasses the unpaid work of caring for children, elderly relatives, and the sick, as well as the paid work of caregivers in professions such as healthcare and education. When it comes to our personal finances, it is important to recognize the value of care and to support policies and organizations that prioritize the well-being of caregivers and those in need of care.

BAREFOOT ECONOMY
Finally, the barefoot economy is a term used to describe a simple, sustainable way of living that prioritizes connection to the earth and community over material wealth. In our consumer-driven society, it can be easy to get caught up in the cycle of spending money on things we don't truly need. As a financial planner, I encourage my clients to consider what truly brings them happiness and fulfillment, and to align their spending, saving, investing, and giving with their values and goals.

In conclusion, the various economies that shape our world are interconnected with our personal finances in ways that are both complex and profound. As a conscious leader committed to co-creating a new economy that works for humanity and the planet, I believe it is essential to consider the impact of our financial decisions on the well-being of others and the health of the planet. By aligning our money behaviors with our values and goals, we can create a more sustainable and equitable planet that works for all of humanity and the planet.

7  Steps for a Thriving Unretirement 
As a conscious financial planning educator and coach,  I believe in the concept of unretirement for those who want to continue making a positive impact in their communities and the world. Unretirement is about never fully retiring into the sunset but instead, using our skills, knowledge, and experience to co-create a new earth where everyone thrives.

There are 7 steps to a prosperous unretirement that can help guide you on this path:
1.Deep Awareness Inner Work
Unretirement starts from within. It is essential to do the inner work necessary to understand our purpose, passions, and values. By deeply connecting with ourselves, we can align our actions with our true selves and create a meaningful and fulfilling life.

2.Practice Holistic Self-Care and Preventative/Natural Medicine:
Taking care of our mind, body, and spirit is crucial for longevity and well-being. By prioritizing self-care practices such as meditation, yoga, and healthy eating, we can ensure that we have the energy and vitality to continue serving others.

3.Designing and Embodying a Transcendent Financial Life 
As a certified financial planner, I understand the importance of financial planning for a prosperous unretirement. By designing a transcendent financial plan that aligns with our values and goals, we can create abundance and security for ourselves, our loved ones, humanity and the planet. 

4.Invest Your Money According to Your Values 
Conscious investing is about putting our money into ventures that align with our values, that do no harm, and that have a positive impact on the world. By investing according to our values,  we serve humanity and the planet by supporting an economy that works for all. 


5.Contribute to Your Local Community 
Giving back to our communities is a fundamental part of unretirement. By sharing our experience, knowledge, time, and resources with the community in which we live,  we can create a more connected and compassionate society.

6. Support Your Sacred Mission
Each of us has a unique mission and purpose to fulfill in this lifetime. By serving humanity and the planet, we can co-create the more beautiful our hearts know is possible. 

7.Build and Enjoy Miraculous Relationships 
Relationships are the foundation of a fulfilling life. By nurturing deep and meaningful connections with others, we can create a supportive and loving community that helps us thrive in our unretirement journey.

In conclusion, unretirement is about continuing to serve others and the planet with passion, purpose, and commitment.  By following these 7 steps to a prosperous unretirement, we can create a life that is abundant, fulfilling, and meaningful for ourselves and those around us. Let's embrace unretirement as an opportunity to co-create a new earth where everyone can thrive.

Principles of a Regenerative Economy and Your Personal Finances 
In this post we will explore how to apply three of the 8 principles of a regenerative economy to the way we approach and manage our personal finances.   These  principles, developed  by John Fullerton of the Capital Institute,  offer us very important insights regarding our current failed economic system and the shift towards a more regenerative paradigm of economics and finance.   They provide a very valuable “theoretical” framework that can help us understand the current system and action steps required to change it.   It is now our task and responsibility to apply these principles to our daily lives, including   how we manage our household finances, how we engage with financial advisors and how we relate to financial institutions, just to get started with this radical conversation.   The three Principles we have selected for this Episdode are:
1.In Right Relationship
2.A Holistic View of Health, and
3.Empowered Participation.