So, Nigeria desperately needs financial resources to drive growth and development, but years of excessive power and inadequate investment in revenue generation have resulted in a mountain debt crisis. Now, some weeks ago, the Debt Management Office announced that Nigeria's debt service to revenue ratio in 2023 stands at 73.5%, describing it as unsustainable and a threat. This complicated fiscal state has constrained the government's ability to invest in vital sectors such as health, education and agriculture, pushing more Nigerians into poverty, and with a projected external debt service reaching approximately $4 billion by 2025 up from $3 billion in 2023 and $2.5 billion in 2024. The country may encounter further challenges in debt repayment, which will further affect resources for social projects. Now, on the show today, we turn our attention to Nigeria's fiscal state with a view to navigating the debt burden while protecting social spending, with having people from the one campaign to talk to us about them, all of their reports that they released recently. Welcome to Business Insights on Plus TV Africa. I am Justin Acadone. Now welcome back, let's just take a quick round off of major business headlines before we get into the discussion proper. The Nigerian exchange all share index closed trading on Tuesday at 65,669.29, an old-time high in the history of the stock market. The previous high for the stock market was 15 years ago, or February 2008, when it closed at 65,652.4, an era that is often recognized as the peak of the stock market boom of the early 2000s. It is important to however note that the month is not ended as stocks could still fall further. However, this is not expected, and as such, if the all share index continues, its current bull run till the end of July then we are likely going to see an even higher all share index come July 31st. Now the exchange rate between the Naira and the dollar fell towards low as 788 Naira, 42 cobble on the INE window are trading on Tuesday. Now this represents a 5.96% depreciation from the previous days close of 744 Naira to the dollar. This is also the lowest the Naira has fallen against the dollar on the official INE window since its inception in 2017 and the lowest since the window was revised on June 14th this year. Before now, the lowest was 717 Naira, 38 cobble to the dollar on the 19th of June 2023, just three days after the new window came into operation. Now the exchange rate has traded at an average of about 746 Naira to the dollar for the last 14 days trading. Now the set it has resolved to probe payments made as oil subsidy and under recovery by former president Mohamedu Buhari's government. The red chamber described as unacceptable the 9.3 trillion Naira which the Buhari's administration cleared it expended on the subsidy regime from January 2021 to May 29th this year. The upper legislative chamber edged the president Buhari's administration to establish three functional refineries for local production and distribution of refined oil. The chamber said doing so would reduce the pump price of premium motor-spirit PMS also known as petrol from the current 514 Naira per liter to between 300 to about 250 Naira per liter. It also appealed to the federal government to pay living wages to workers as a way of cushioning the effects of the subsidy removal. Now the average fare paid by air passengers in Nigeria for specified routes single journey rose year on year by 34.06% to 74,948 Naira, 78 cobble in May last year but on a month and month basis the average fare paid by air passengers rose by a slim margin of 0.002% to 74,948 Naira, 78 cobble in May this year from 74,947 Naira 30 cobble in April. In its report transport fare watch for May 2023 obtained the national bureau of statistics also disclosed that the average fare paid by for water transportation rose year on year by 11% to 1045 Naira in May this year from 941 Naira 63 cobble in the corresponding period of 2022. On a month on month basis the average fare paid for water transport rose by 1.39% to 1,045 Naira 15 cobble in May 2023 from 1,030 Naira 83 cobble in April this year. And that's business round up we'll take a quick break and I'll be introducing my guest in a moment to join us again.


Hello and welcome to NewsClick. The security of Aadhar is once again in question. After the Tribune story that said that any data can be bought for 500 rupees. To discuss the same, we are joined by Baba Sinha who is from Free Software Movement of India. Welcome to NewsClick, Baba. What does this story signify? See, the Tribune story is not the first story and it's not going to be the last story about security leaks by Aadhar in the Aadhar system, right? There have been many such reports before. Last May, there was a report by CIS, the Center for Internet and Studies, which had said that there were some 13 or 14 crores of Aadhar information was leaked from four government websites. And along with that, some 100 million, which is, I think, 10 crores of bank information of those individuals were leaked, right? But the Tribune story is significant that, see, we all know that the Aadhar is like porous, it's leaking data, right? But even in our worst imagination, we hadn't imagined that you could pay somebody on WhatsApp 500 rupees and get access to a database of a billion people, right? You can literally enter any Aadhar number and download his personal information. If I'm right, you also wrote a story for NewsClick a few days back which pointed out that how the ration shops that are running these Aadhar centers, from there also the data is leaking, right? I had done this about two months back and what a very quick search on the internet, right? If you go to Twitter and search for Aadhar leaks, I had come across a few tweets and from those tweets, I managed, like literally in spending 30 minutes, I managed to download or rather get access to 10,000 Aadhar information from what are called e-kindras. e-kindras are these like these corner shops, these minor websites which are giving Aadhar related services, which the government encouraged, right? The government encouraged them as enrollment centers and centers where you go and do your whatever Aadhar verification. And these guys have no idea about security or no conception of security, right? And they were just putting out people's information along with bank information out in the open, right? And it's just the shocking that the entire country's information is being kept put in the public for various actors with malicious motives to act on them, right? So you can talk about scammers, about phishing gangs, it's also a national security threat, right? So people from abroad can get intimate information about every citizen and the government seems to be callous about that. But how is this data leaking? I mean, how is it reaching to the people, these people who are selling it for 500 rupees on WhatsApp? How Aadhar is envisioned is that the Aadhar information is kept in a central database. Now the government claims that that database is secure and that has the Aadhar number, the personal information, like your personal information and your biometrics, right? And the only access to the database is through what are called ASAs, authentication service agencies. And there are, last I know, there were 26 of these, these are large entities, right? So they can be government entities, they can be private entities, they can even be multinational entities, right? Mastercard is in that list. So these 26 entities have access to the central database through lease lines. And the government says this is secure. And let's take the government's word on that, that the central, the CIDR, the central database is secure, okay? And access to the central database is restricted to 26 entities through lease lines. So let's say, let's buy the government's argument that that cannot be hacked. But then these 26 entities are kind of the primary brokers of this information, right? Then there are what are called AUAs, authentication user agencies. And there are roughly 250 of these who talk to the AUAs to access the same information, right? And then these 256 AUAs have sub-AUAs. And the sub-AUAs then can be accessed through all your Kinara stores. E-Kindra's, any point of sale terminal, if you go to a bank, they will ask you for an Aadhar card. So they are effectively taking your Aadhar information. So let's say you go to a carrier, right? Airtel or Vodafone will ask you for other authentication.  The AUA is connecting to the ASA. And the ASA talks to the central database. And then the authentication information comes back. The problem with this architecture is that here you have a critical resource which is linked to every activity of your life, right? Effectively that information, your personal information, which is your name, your date of birth, your address, your photo ID, your father's name. It is everything that is needed by a phishing artist to create a fake bank account in your name, right? So that information is stored in the Aadhar database and your biometrics is stored in the Aadhar database. So a critical resource is of the entire population of this country. Access to that is callously given to all these entities. And see, if you are a security expert, there are a few guiding principles in security, right? One is that in a security system, the strength of the system is the strength of the weakest link of the thing. But here your weakest link are these E.K. Indras, right? Who have no knowledge about security. And you would think that such a critical information would only be restricted to certified government agencies, right? Like for example, like US has a social security number, right? Now the social security number is by law. Only government agencies have the right to take your social security number and access whatever database, right? Here, forget about the E.K. Indras. Even at the core of the system, the ASAs, there are private companies, right? There is Bharti, there is Vodafone, Reliance, Mastercard, a multinational company. And forget about the fraud which is going to happen in the E.K. Indras, right? The attacks on the E.K. Indras, right? I am not saying that every E.K. Indra guy is a criminal, right? But the guy doesn't have the competence to deal with the attack on him. You mean the cyber attacks and all? Yeah, yeah. So, I will come to that later. But even at the core of the system, Bharti Airtel is one of the ASAs. And Bharti Airtel was charged with taking your Aadhar information and opening payment bank accounts in your name and diverting subsidies to those bank accounts. So, the fraud is at the core, right? And in such a system, the weakest link is from the core to the periphery, right? And so, inherently this is a fraud design. And it is a fraud design for something which is critical, right? So, another security kind of elementary security guideline is that you don't link different aspects together, right? For example, you may have many accounts and many websites, right? You may have many mail accounts, different bank accounts. As a general security precaution, you do not have the same password for all your accounts.  Now, here is a case where you have a number and the password is your biometrics, which you can't change, right? And so, if your biometrics were to get hacked, then you are done, right? But the system is designed like that, right? All of us are familiar with credit cards, right? And it's not just in India, a world over when you have credit cards. And look at the precautions that a credit card has, right? And a credit card has been around for like decades now. And so, it's a mature field. One of the best brains in the world have worked on it. But every credit card has a few precautions, right? The precautions are that it has a pin associated with it, which you can change at any point in time. The second precaution is that it is every credit card will give you a 24-7 number which you can call and cancel it at any point in time if your card gets compromised. And the third precaution is your credit card has a credit limit, right? So, you can only withdraw up to the limit, right? So, your liability is linked to that limit, right? So, if your limit is, let's say, 2 lakhs, the maximum fraud that can happen for you is 2 lakhs. But for Aadhar, if you look at it, you cannot cancel Aadhar number. It's for life.  You cannot change the password because your biometrics can't be changed, right? And there is no limit, right? The Aadhar is linked to your every bank account, supposedly, right? The government is forcing you to do that. It is linked to your phone. It is linked to every... If you... Now, they are saying that to get admitted to school, you need Aadhar card to go to a hospital, you need Aadhar card. Even when you are dying, you need Aadhar card. Even after your death, you need Aadhar card for your relatives to get your death certificate. And so, everything is linked to this one number which cannot be revoked, whose pin you can't change. It is... By design, it's a security nightmare. Let's come back to the cyber attack part that you were saying. How is that being done? One of the interesting things is that anytime these leaks have been reported, and there have been many reports, right? And the Tribune report is the most recent of them. The government has two responses, right? One is to say the Aadhar database did not get breached. By that, what they are implying is that the biometrics is not breached. What they are conveniently not telling you is that the Aadhar database is not just the biometrics. It is also the personal information. And in every one of these cases, the government is not denying that personal information is leaked, right? I mean, that's for everybody to see. In the biometrics side, there was a WikiLeaks report, I think last year or the year before that, which said that CIA has access to the entire biometrics. CIA actively has a program which tries to get biometrics from different countries covertly. And this company, which has a relationship with CIA, the government had contracted this company to get the biometric devices. The government's claim that biometrics has not been hacked, that is dubious. But even if you take that claim at face value, look, if you go to what is called a point-of-sale terminal, right?  Now, what is to say that the fingerprint scanner or the iris scanner they have, that there is not a skimmer, which is making a copy of your biometrics. They already have your Aadhar number. So if that guy is a criminal, your Kenara store is a criminal, he can easily take a copy of your biometrics. He has your Aadhar number and he can impersonate you. But even assuming that that guy is honest, but let's say the laptop or the PC to which the scanner is connected to, let's say that has a virus, that has a malware, right? And that malware intercepts the biometrics and skims it off.  So for the government to claim that this is somehow like this holy sacred thing which cannot be stolen, that's just ridiculous. Also as far as I know, I mean the government is also saying that they're working on it and Aadhar is essential. It's the same BJP which had opposed Aadhar when they were in opposition. The primary response that they also gave to this entire Tribune story, UIDAI filed an FIR on the reporter and the newspaper. Along with the FIRs, the government, if you read the news articles carefully, the government said that they're encouraging these EKNRs to now move into government premises. And apparently some 4000 have moved in and some 26000 are in the process of moving in. How many of them are there? And after all these years they are like encouraging, right? And as if moving to the government premises, will all of a sudden solve the basic problems of security? Yeah, I mean the CIA reports that the government websites were looking at, right? But let's say the government now has learned a lesson and provided this strong firewall and where all these people can move in. But you have lakhs of them, right? And 4000 have moved in and moved in after so many years. Nandan Nilankari who is kind of the father of this thing. He goes on an interview last year and he says that, look, Aadhar is no more insecure than a smart phone, right? And people, you are using your smart phone all the time and you are least bothered about your security. So Aadhar is no more, look at the callousness of it. He says that in a smart phone you are using it daily. Aadhar on the other hand is sporadic, right? So you only go, I mean it's a ridiculous argument, right? You have linked your Aadhar to your bank account. How is it sporadic? I mean you can make transfers based on your Aadhar number, right? Somebody can impersonate you and do money laundering based on Aadhar numbers and somehow we are supposed to feel comfortable that, oh Google and Apple and Amazon is stealing your information which you are willingly giving and here the government is forcing you to give that information and this information is, by the way, linked to the most critical activities of your life and it's okay, it happens, that's the government's response. It's the same government which I think in 2015 went to the Supreme Court and said that right to privacy cannot be a fundamental right of a citizen. So what else can you expect from the government which, if you look at Aadhar in total, they have been news around this country that people have died because they didn't get a ration card, people have died because they were hungry and their fingerprints didn't match. Even if you leave these things aside, the question still remains that I'm sure that the government knows about these problems and if yes, then why are they still going ahead with it? The one word answer is it doesn't care, right? Why is the government doing it, right? The official stated purpose is the government is doing it because it saves the government a lot of money and leaks and corruption will all be magically disappeared, right? And different people, right? Different government officials, different UADI, the government argued in the Supreme Court, Nanda Nilankani, they come up with this figure of, this magical figure of 9 billion or 11 billion, different time, the figure changes, but it's in that $10 billion range. $10 billion have magically been saved by Aadhar's. That justifies doing all this, right? It turns out that there was a report on this last year. That number was picked up from a World Bank report, right? A World Bank funded report, a World Bank think tank report, and they referred to another article from where they got their numbers and if you go to the source article, that doesn't say that $10 billion have been saved. That says that the total government transfers to individuals like for Mandrega payments, for PDAs, for various benefits, that amount is estimated to be $10 billion. So the $10 billion is the total transfer, $10 billion is not the savings. Why the government is doing it is for a couple of reasons, right? One is it's a wonderful security tool for the government. The government can monitor every aspect. The other aspect is if you listen to what the technical people are saying carefully, they use this word that it's about data and they also talk about how data is the new oil. I mean, it's basically that once you have the data and once you have your link with everything, basically the witch hunting becomes very effective on part of the government in any sane voice which is raising voice against the government, against government policies or any such things. The witch hunting may strengthen day by day. Yeah, there is a surveillance aspect to it and then there is also the commercial aspect to it, right? For example, your insurance premiums will link to what you are doing and there are various ways to make money out of it. Anyway, let's see Supreme Court is going to hear the Aadhaar case again this month and let's see what comes out of it. By the time we can only wait and watch what's going to happen and we'll be coming back to you on such issues again. Thanks a lot, Bapa. Thank you for watching NewsClick. Keep following our website and our Facebook page.


Good morning Barksdale and a warm welcome from Whiteman Air Force Base. My name is Captain Joshua Page with the 519th Bomb Wing 13th Bomb Squadron. Behind me is the B2 stealth bomber, which I think is probably the coolest jet in the inventory. We've got today the flagship, the Spirit of America. So come with me and let's take a closer look. So let's talk a little bit more about what makes this airplane so unique. First off is just the striking design. It was designed in the 80s and filled it in the early 90s, but in my opinion it still looks like it's from the future. So it's the iconic flying wing with the straight triangular edge and the jagged trailing edge that makes this airplane stand out among the crowd. We've got four F-117, 17,000 pound thrust producing engines, and those are actually embedded in the jet. It's kind of why it's hard to see. There's just those little bumps on top of the wing right now.  That's not the case for us because we're supposed to be stealthy. So we have embedded engines that hide a lot of our sound and heat signature and that adds to our ability to penetrate the most heavily defended areas in the world. That's just one of many things we've got working for us here in the B2 community. Also we've got stealth coating along the airplane. So low observable materials that coat the entire aircraft that everyone makes sure is pristine and ready to go in the event that the nation calls upon us. So in addition to the engines, the unique signature of the aircraft, we've also got a 6,000 nautical mile unre-fueled range. A lot of our missions, however, on the other side of the globe require tanker support. So we've got on the books the longest recorded flight is about 44 and a half hours. And that was just after 9-11. Whiteman Air Force Base provided the B2s that struck the Taliban initially right after those attacks. So about 44 and a half hours, probably five air to air refuelings, several hundred thousand pounds of gas in the air as you can imagine is quite the daunting feat. But this airplane is pretty spectacular. So when you show in the morning for a normal training sortie, you'll show up, you'll meet your crew chief and maintenance team here at the aircraft. Well, they have preflighted the entire airplane, checked both weapons bays which can carry up to 40,000 pounds of conventional or nuclear weapons. They'll make sure the aircraft is safe and ready for flight. They just configured appropriately. And one of us do the walk around. The other crew member will get all of our gear, our flight equipment, helmet, checklists, our manuals, and all of our life support equipment up into the aircraft. Once that's settled and we do our ground ops, a normal training sortie really consists of takeoff anywhere from 30 to 40,000 feet as our final level off altitude where we'll end up meeting a tanker for a rendezvous where we practice our air to air refueling. It's one of the more challenging things we do as pilots here is manage a very large airplane next to another very large airplane only several feet apart going really fast. So that is a high emphasis item for us here at the 13th Bomb Squadron in the schoolhouse. And once we're done with that, we will go and practice hitting a time on target of a simulated target anywhere in the world. We'll practice our bombing techniques, tactics, and procedures and make sure that we are the most lethal and ready force we can be. And then when we're done with that, we'll come back here to Whiteman. We'll execute several traffic patterns whether that be normal touch and goes, emergency patterns in the event. If something does go wrong, we'll have the skill set to land the aircraft safely. And then when we're done with that, we'll debrief and go over that entire five to six hour ordeal of where we can improve as a crew force. So next we can go and see where we would go up into the aircraft. So here we have the crew entry ladder. We're both the pilot and mission commander entering and exit the aircraft. While I can't take you up there with us today, I can try to paint a picture for you of what you would see if you went up there. So as you climb the ladder, there's several different circuit breakers, oxygen support equipment, and generic equipment that helps to support the aircraft and the air crew during flight. When you turn to your left, you'll see up to the front of the aircraft, there's two ejection seats, one for each crew member. Those are rated at zero zero. That just means zero airspeed, zero altitude. In emergency, in an extreme circumstance, you could eject on the ground or at high altitude and high speed safely. Behind you, you would see not much, honestly. There's not a lot of room to turn around, sit down. There's really nowhere to walk. It can get a little cramped in there sometimes. But on long duration sorties, crews in the past have made kind of makeshift cots for taking a nap, switching out with the other guy. So you get a little bit of shut-eye. Well, that's really all I can show you today. I hope that you've enjoyed your tour here at Whiteman Air Force Base. I hope you've enjoyed getting to see the B2, stealth bomber up close and personal. I hope you have a good day and enjoy the air show there at Barksdale. Bye.


I said I wasn't gonna tell nobody, but I couldn't keep it to myself. Oh, I couldn't keep it to myself. Oh, I couldn't keep it to myself. I said I wasn't gonna tell nobody, but I couldn't keep it to myself. What the Lord has done for me, you ought to been there. When God saved my soul, you ought to been there. When she placed my name on the roll, I started walking. I started talking. I started singing. I started shouting. Oh, what the Lord has done for me. Over bursting up, showering down, celestial condensation, saturated drench, soaked, drowning love, grace, mercy, and liberating love. So good love that it feeds you up to love yourself when nobody knows the trouble I see. Kind of love, love somebody else kind of love. When they've been shot out, left out, counted out, and kicked out. Love so rich it restores the disinherited and sets counters free. This love right here, you gotta tell somebody about it love. Can't keep it to yourself kind of love because it's a sin to keep this wonderous, beautiful, and mysterious love to yourself. People are waiting for this kind of love. Tell it, tell it, tell it everywhere you go. Don't keep it to yourself, let it burst up overflow kind of love. Because by telling it, that's love too.


Welcome to Dare to Dream. This is Debbie Daschinger. This is a syndicated award-winning radio show and podcasts, and I'm in fluid, fluid times. I'm really glad you're here. It's a time for us to gather together as community as tribe as one in the world. Interesting times that we're living in. And I want to say that I am moving and shifting. You're used to hearing my show on BBS Radio, which doesn't exist as of a couple of days ago. You might have heard about the terrifyingly tragic California fires that just blew through. And the owners of the station didn't even have time to grab a toothbrush. They lost their entire belongings, home, stitch in their back, records, documents, memories, done, cars. They also lost their business at the same time, which was BBS Radio. So I am finding my new home. And I'm glad you're here with me because this show has been on air and has been around for 11 and a half years. It's been my greatest joy to do this show because I get a ton out of it. I love the people I get to meet and know and what they've been doing out into the world, where they're headed, what they want to create, what they've created, and how they've gotten there. I also really like the sense of conversation that I have because, well, I have a really inquisitive mind. So my mind's a lot of why, hows, all those very two-year-old questions. And I feel really powerful about what's next. So for me, there's a bit of a tragedy, too, having had a home for my show for so long and now widening back to find the new space and place for me. I understand that with everything that is taken away, seemingly, there is also something that is given. There's a whole new opportunity if I widen back and allow it to come to me. So I've gotten really good the past couple of years at receiving, and it really has a great payoff. Receiving. It's powerful, isn't it? To allow others to give, to allow others to help and care and come forward at a time we need. Frankly, to allow the universe to give at a time when I have open arms. So I'm all about abundance and I'm all about receiving. And I'm all about today's show. I'm super excited about today's show. It's going to be awesome. I finally have somebody on that I've known a few years and have just gotten to know more. I was going to say the word intensely, but I think that would totally not be the word to describe her because actually I find her to be very funny. She and her husband. So, but I've gotten to know them. We've had a lot of opportunity to gather. So I think that's great. And I can't wait to present her. She'll be on a little later. And it's international wealth coach Morgana Ray. She's going to walk you through six time tested steps to turn your personal money monster of scarcity into a money, honey of abundance. And she'll be on later on Dare to Dream. A little bit of the conversation I want to start with is the power of attention. Often people say attention and intention. And I want to talk about the power of attention and its role in making our wishes come true because attention is really the conscious flow of awareness. And that activates the energy of attraction. So if our desire is like a seed, right, then the attention is the movement of nourishment that supports the growth of the seed into a fully mature plant. And our attention at the quiet levels of the mind provides direction and strain to our hopes to our desires so that they can become real. So my thoughts that I offer you for today is this, deepen your intention, deepen your intention so that it activates the memory and the energy of attraction at the most powerful level of your mind. So with continued practice around this, our attention, our intention is able to nourish our desires from inception to fulfillment. The thought that you can come back to throughout today is, my attention activates my desires on conscious of my attention. It was Susan Sontag who said, attention is vitality. It connects you with others. It makes you eager. Stay eager. So next up is Morgana Ray. She offers the magical financial alchemy for abundance and prosperity. You're going to want to stay right there. And I just want to say that this episode is brought to you by Access Consciousness. My very good friends at Access Consciousness who have supported me in the show for, gosh, at least eight years. And I love them for it. And I love them for the work they do out on the planet. If there are things you need to change in your space, if you're different, and I certainly resonate with that, there's a good home for you. And there's really pragmatic and powerful tools. They are at Access Consciousness. You can go to accessconsciousness.com or you can go to drdanehere.com and you can learn more about the power of just being you out into the world. I highly recommend it both. And they are the same. Dr. Dane here, accessconsciousness.com. So I've got the money goddess here, the goddess of money, Morgana Ray. She's an award-winning 10-time international bestselling author with over 22 years as a pioneer of personal development. Morgana is widely regarded to be the world's leading relationship with money coach. She says ask Siri, and Siri will tell you when we may have to do this on the show. She's been a guest expert on ABC, NBC, Fox News, Yahoo Finance, The Wall Street Journal, and hundreds more. Morgana's fans call her the money goddess because of the many documented stories of clients manifesting unexpected income of hundreds, hundreds of thousands, tens of thousands, even hundreds of thousands of dollars within hours of changing their relationship with money. Morgana guides idealistic entrepreneurs, coaches, authors, and artists to have a big impact in the world and to heal the rift between heart, spirit, and money. You can find out more at her website at morganaray.com. Morgana, welcome to Dear to Dream. It is so great to have you. It is my pleasure. I've been looking forward to this for ages. Right? It's like it was meant to be a long time ago. So there was so much just in that that I want to address with a lot of curiosity. So we started with the money goddess and the documented stories. Let's start there. So you have documented stories of clients. I'm going to go to the end of that, even hundreds of thousands of dollars. Oh, I left that behind years ago. We're at tens of millions now, not within hours, but within, I think, my record holder now, at least in speed, was, and I have these clients in Idaho. I don't know what it is about the magic of Idaho, but my client Leslie made over a million dollars within a few hours of our coaching sessions. Okay. So tell me that story. So how did that happen? And then I want to know how that money came to her. Oh, I love her. She saw me speak at the Wellness Festival in Sun Valley, which is one of the best events I've ever been to. But Marianne Williamson was speaking, Ariana Huffington was speaking the next year that I was there. Really inspirational place. And I had just taught my financial alchemy process my first time there. And this woman comes up to me after I speak and confesses that she's in a really bad place and she's actually feeling suicidal. And I take that seriously because I know what that's like. And I said to her exactly what I would want someone to say to me when I was in that space, which is that I understand. Just stay alive long enough for it to get better because it will get better. And just her entire job is just to stay alive. I didn't try to sell her anything. And she bought my Money Goddess Experience Home Study course anyway that I was offering at that event. And I bonus in a short 15 minute quick start call as a little sweet and the offer kind of thing at the event. And so two weeks later I speak with her. And she tells me that the first time that she did the process that I'll be walking you through about transforming your relationship with money, selling your money, monster meeting, this new dynamic that I call the Money Honey, the first time she did it she made $10,000 out of the blue. An investment that she had made many years ago that it never made any money suddenly boom. And she got $10,000. And then she did the process again the next day. And I believe she made I think $20,000 the next day. And then a week later she speaks with me and I hear some things in her family history, in her lineage and her life that I thought was really, really, really fertile ground for a new money monster. And I invited her to go there. And she had had a house. She wanted to know where the money came from. She had her house sought for sale over two years ago. She got married, moved in with her husband, and she had this house that had been for sale for two years. Nobody had even asked to look at it for over a year. A couple of hours after our quickie coaching session she got a call somebody wanted to look at the house and it sold that weekend for $1.2 million. Well I hope you got a percentage of that. No, no.  That's a big breakthrough. That's pretty huge. Well, and then she went with me to my money goddess retreat on Bali to dive deeper into self-love. Because I deeply believe from having coached so many thousands and thousands of people over the decades that all money issues are when you dig deep enough, all money issues are love issues. That's the dynamic behind this thing. So she's the quickest. The reason I was in Sun Valley is because another woman from Sun Valley named Perry had gone on my money goddess retreat in 2013 and then asked me to speak at the Wellness Festival in 2016. And I'm on stage. And I knew some of the things that happened after Bali, but I hadn't heard the whole story. And lo and behold, she had made over $12 million in those three years using the spiritual principles that I taught her in Bali. So she's, when we get into the tens of millions, that's honestly, and you've met my husband, and this is the strangest thing, but my results have just gotten bigger while I've been with him. There's something about that mojo of love that just, I think adds more power to the world. Totally.  And he doors you Devin's been on my show, and the way he talks about you and honoring you and showing up for you in the ways you need and creating some of the beautiful things that you have we'll talk about those later. And it's really interesting because I knowing that you were coming on and knowing this idea the principle going from monster to honey and you know kind of that love relationship. So I was thinking, and it flitted through my mind and actually felt entirely correct that I have a very, I have an interesting relationship if my money were to be a man or my money were just to be money, which is like, it's in it's big, it's like who I could just throw it all around. I love to spend it. I love to give myself things I haven't had for so long. And there's behind that this feeling of it's also from having grown up with very little to tell you the truth. My mom had a lot of financial issues. So I didn't have a lot like I had a pair of shoes and a pair of sneakers kind of thing. I didn't have the new clothes that people had going to school. And that's a little bit still with me from some of my lean years, and because being an entrepreneur sometimes you go from prosperity to being lean, etc. So I noticed that's my relationship with money. I have I spend and also I was like, Oh, and then I have to go. We need to do something here. A little triage that that that that that and then I build up again and I thought, yeah, that's been interesting. And it's not what I prefer this huge love scarcity, huge love scarcity. And I would rather just be this incredible continual flow and build. So what do you have to say about that kind of a relationship?  Who was like, all over you generous the greatest guy in the world and then retreats and gets cold or you have fights? Have you ever had that kind of on again off again love relationship? A narcissist, basically. Yes, I have been with the narcissist before. Yep. Because that sounds a little bit like your relationship with money. You know, when you're in favor, the sun comes out because I've dated that guy too. Like my little sister was going through social working school and gave me the whole like checklist for how you recognize a sociopath. And at the time I had a boyfriend who checked all the bosses. So times. Yeah, thanks for that list. Yeah. So they're that kind of on again off again. Fundamentally, what I discovered and it's interesting because I had my own transformation and then I had to kind of break it down and reverse engineer it and figure out what had happened for me. So that I could do it for other people. And that's when I learned everything, not when I had my change, but when I wanted to help other people with it. And what I have found is that what I call the money monster, which will just call like the real behind the same cause of our results and I call it money. But it's not really, it's really life. It's just money gets our attention. So we pretend it's money. But it affects everything and it's easy to measure and it's good for marketing. So we'll pretend I'm a money coach. What money really is because money is just made up. It doesn't exist in nature. It's a fabrication of delusion that we just all agreed on to pretend that a house in Southern California a tear down in Southern California is worth 2 million. But what it represents is really the deepest, tenderest, most vulnerable issues of what it is to be a human being. All of our issues around love, all of our issues around worth, and our issues around safety. So it's interesting. By the way, can I just stop you there? Safety. This is so core, so core for me. Can you talk a little bit about that? Absolutely, especially for women. Because guys tend not to stay up at night worrying about being bad ladies and on the street because they'll probably be okay. It's interesting that you brought up your mom because our parents are our first experience of money. And by the way, some of us have great parents and some of us have what I call really dramatic parents. I had dramatic parents. The parents, they are our first experience of are we lovable? Are we worthy? And are we safe? They feed us and they house us and they clothe us and they tell us what we're worth. And then when we're adults, that's what money does. So that's our first imprint. But it doesn't end there. It's the kids that teased us at school. It's the health problems, the accidents, the mean teachers, the love affairs gone wrong, the betrayals, the bad business deals. And every little thing that we've done over a lifetime that we feel bad about and bear is the shame. Just pile on the unworthiness and anything that has made us feel unsafe. I mentioned the accident. I find that the best place to look for the root cause behind your money situation is not the money story. That's the symptom. Like you can start there, but I've never found the money monster in the money story. It's the stuff that came long before then, the eating disorder. Oh, that's a great one. Especially for women, our relationship with our body is another way that we relate to our worst, our love ability and our right to exist. These are really big ticket items, all of them. Is it even possible to, it's interesting, I have a question, which is, is it even possible to heal? And at the same time, I'm hearing Ariel Ford in my head who said to me once, you know, spiritual people think we do all this work and we're going to heal. It's not true. We do heal.   You're ready enough. It doesn't all have to be fixed, resolved and healed. Nothing is fixed until you're done breathing. That's not the game of this lifetime, is to be. We are perfect as we are and we came down here to do stuff, work on stuff and evolve. So it's not a failure. It's just like my daughter loves Super Mario Brothers. So congratulations, you just evolved to the next level. And we have our core wounds. And by the way, you know, you open talking about the fire, which is just, I can't even process it because I live nearby. Places I grew up and burnt down. People I know and love, I don't think they have their houses. So it's a really, I can't even process it yet. And I mentioned the client who had the really quick result. I believe that, especially in the process that I teach, the person who was in the most uncertainty, fear, grief, has a huge advantage. Because what I teach is actually not the law of attraction, although it has some similarities, the law of attraction people love me, but what I teach is alchemy. And alchemy is the transmutation of lead into gold, lead in human experience into spiritual and material gold. So what we have is a lot of lead happening right now. And that is the stuff that we need for the gold. It becomes the ticket to everything you wanted, but there's nothing. I'm not going to try and put a positive spin on it while you're in it, because that's not how it works right now. You just go through it and stay alive. And you will see the new life on the other end. I think that's actually one of the most potent ways to transmute things. I've certainly experienced that myself, that resistance to any feeling or experience just keeps it so. And the moment that I have recognized, oh, okay, that's what I'm doing. Like, whether it's, I don't want to feel anger or I don't want to look at this and I'll just get busy. It doesn't work. But if I will just be still and acknowledge to myself, this is so. This is really what's here right now and allow myself to be in it. It actually transmutes very quickly for me, like literally the atoms of it disappear. Doesn't mean the situation disappears, but all that angst over it and stuckness. So it's interesting to hear you talk about the alchemy and the transformation. I want to go into this in a little more depth in the next segment. And we're going to take a quick break and right before we go to break Morgana, just for some fun because you did mention that we could ask Siri a question about you and it will come up. I don't know if your phone is close by and you can access it, but can we do this in real time? I would love to hear what Siri has to say. Well, I can try. Siri, who is the world's leading relationship with money coach? I said Manny coach. Manny coach. Let me try that again. Siri, who is the world's leading relationship with money coach? Okay, let's get that. It's still giving me coach. Oh, instead of coach. Yeah. Okay. If I type it in. Okay, let's give it one. World's leading relationship with money coach. Oh, Siri. Well, I try. It's worked.  Oh, the shame. You've been replaced by a coach. By a coach. Many coats. Well, many colors of many colors. Yeah, it could be Joseph. It could be worse. Well, you're listening to dear to dream. Thank you so much for joining us today. There is more to come. But of course, if you would like your free report on publicity, how you can become the go to expert and get booked on media. Now interviews are powerful. You want to do that. Debbie dash and girl.com and pick up your copy. My gift to you and that report how to get free publicity. Now, it's DBBI. And the last name is dash and girl D is in David, a C H I and G E R your publicity report. Well, I'm speaking to Morgana Ray dare to dream. This is Debbie. And again, you can find her at Morgana Ray are a. And Morgana, let's see, where do I want to go? So I just want to go over this because you alluded quickly that you had some understanding of things that I was talking about or what some of your clients talk about when this gal approached you and said, I'm not doing well and I'm thinking about taking my life like it's that dire so I'm guessing the answer to this but I'd love you to address were you always feeling abundant and wealthy and if not what is what is the arc that happened there that got you into financial abundance. There are a couple of questions there. Because the wanting to not exist has come up at key pivots in my life. I was hit by a car and in a comment had a tremendous brain injury when I was 16 and kind of lost everything lost. The future that I expected for myself lost my relationship with my mother and I was almost looking on floors just graduate from high school and I and my brain couldn't do what it was supposed to do. And I and when I called into your show months ago about I was having some dizziness and she she tuned into the act that that's why I've lost hearing in my right ear was from that after that one. So that was a year. I was suicidal every day for years then. We've mentioned my husband I actually was so deeply lonely and heartbroken because I've always wanted a partner that I was ready to just like say that's it good bye life and met my husband. By the way, and I actually had written my notes, I had planned the date. And I did my process that I use online. When I say plan my date plan my date to just no longer be here. But I did my process that I did around money on love.  You're doing everything you're supposed to be doing and you aren't getting the results that to me is my clue. That we are protecting ourselves from what we want and they're always really really good reasons so I uncovered my love monster. Which was even bigger and scarier than my money monster had ever been and I do want to go into the steps so that our audience can really take home a breakthrough. And I met my husband two months later. And he was worth the weight he was worth every dark night of the soul and every year. And then before I have my money transformation. And by the way, this is why I believe that our experiences of grief and our anger and all these like negative vibrations are treasures are valuable or they wouldn't exist. When you talk about when you surrender and let yourself experience that there is actually a psychological dynamic of an anti drama. That when you experience any emotion fully the opposite will naturally arise. Wow, interesting. We don't want half measure. We want to dive in. So when I've worked with clients on starting with the wounds, the root causes, the money monster. I want to make it as big and bad as possible because it's like a fling shot and the farther you go in the direction of what isn't working the more tension and energy create to catapult yourself to the other side and stay there but there's no magic. Like in the middle in neutrality that's it's not money monster it's not money honey it's like money mud. It's hilarious. Okay, well we're going to do the steps in a minute I definitely want to hear those and I want to just ask you this. So I speak on stage. I'm known as a visibility and media expert. And I often do a speak to sell. And I have had the experience. I definitely make sales right and I mean that in the best way I come I teach something that's very powerful. It changes lives and careers. I stand by it. I have great testimonies. I speak on stage. I give a lot of content. I do my speak to sell. And I have come down and I think almost every time there is the people there who are buying the package who want to work with me they're ready. There are also the people come up to me and it's heartbreaking who say, I want to do your program so badly but I literally only have the change to take the bus home. I want to do your program so badly, but I'm so far in debt. I don't and they want me to tell them what to do. And I can't because I can't mess with somebody's life that is at that level. Right. I can't even, you know, promise them if you do what I'm doing.  That's going to alter you need to take care of some really important basic things. So, I just want you to address that kind of engagement like where somebody's at where they're even at a workshop and enjoying a weekend like that, and then having that kind of terrible visceral desire, and they don't have it. Don't have it. I get that all the time by the way, you know, when I see athletic coaches and energy coaches and grief coaches and all these coaches decided to become money coaches overnight. I'm going to shake my head because money coaches. Honestly, I would say probably the hardest niche because who do you attract you attract people who are in financial anxiety or really serious drama and I am not here to put anybody in jeopardy or danger or get from somebody something that they don't have or they don't have the resources to get. I'm, you know, I'm not a doctor, but I still believe first in all harm. So here's my approach. First, I can't and I'm not supposed to save everybody, but I am definitely committed to helping all that I can. So I do interviews like this and when I teach, because I had all those teachers that said teach the what but not the how and I'm just like, Oh, screw that. I will pack in every thing I possibly can from the last 15, 16 years into the 20 minutes we have and I'm really, you know, so I'm speaking to you. Really, what I'm teaching is the stuff that I learned because after I had my own experience, and then I had all these new clients coming in and I wanted to change their relationship with money. In the beginning, I really thought I wasn't selling it. Thank God, I wasn't selling that I was just trying it out. And then I figure out, Oh, maybe maybe the new relationship with money shouldn't be a dog, because dogs don't know crap about money. And you don't want to get that intimate with the dog. I hope, you know, so that's that's why for those of you who have no idea what I'm talking about. We make money a person first the monster then we make the money honey is human as possible and a lover, a lover archetype works best. And because I work with so many people who have like really horrible sexual trauma if we don't have to start with a lover, you can still have results I'm like skipping way ahead. In response to your question, what I do is I put out as much high quality free and cheap stuff as I can. Because honestly, if they have results with the chief and the free stuff, and then they come to me and they want to be clients. Yeah, we like thought I've got my book that's on Amazon financial alchemy. One of my all time favorite clients use that book book it's a journal. It's like part book and part cell do it yourself self coaching system she used it two years by herself before I even had heard of her. And when she applied to work with me she had had her first quarter of a million dollar month in sales, without my ever coaching her first so keep doing what you're doing, give away value, maybe give away first steps, because. Oh, I do. I give away a lot. There you go. So love them and believe in them. That's another thing is we say that part again love them and what believe in them. It's so easy to get sucked into people circumstances so easy so to death that's the game of life. The circumstances are really really convincing and dramatic and just always believe that the person you are meeting is this divine being just as brilliant and omnipotent and emissions and and child of God is you like their soul, no limit. Treat them and believe in them and treat them with respect and just as the very least, you know, avoid the temptation to look at them as broken. You know, I actually am a firm believer and in possibilities. It's not that I haven't been there. I remember when I first started out. And I was really interested in some very high level healing experiences and they had a big price tag attached to them and I had that feeling to it was very frustrating.  But they said what would happen if you just widen back and made lists. You know, do you have anything in your garage you could sell to you have any skills you can use to have any little jobs you could do and widen back even more and I would do that and scribble.  I know the power of that. And when I hear you saying this more again it's very interesting because I do believe in the power and possibility of each of these people. One of the gentlemen this happened with very recently I spoke three weeks ago say this is the guy who came up and said I have the money for the bus. And I stayed in touch with him. You know, I actually really liked him I felt his heart and they stayed in touch with him and every time he came to me with that I said I actually see you differently I believe in you. And what else is possible. And he came to me finally and said can I do a payment plan and as you know we generally have one payment or you could break him into two. But it's like if this fellow has integrity I'm a hell yeah like I'll do also what's possible to make this happen and he's in my program right now he's in my program. So, yeah, I think it's incredible we talk about transmutation and that that space you were talking about is that it's also possible for the people who are in that amount of pain to to allow that for themselves. You know you could sit with that enormous discomfort, but also know that there are other possibilities just swimming around to tap into. Yeah, yeah, I, I have the luxury of having coached a really vast amount of people. And my clients have taught me what's possible, because I've accepted clients who I had one who's one of my favorite human beings on earth.  So I uncomfortably allowed her to hire me. She'd already done my process and her money honey told her to hire me and within five months she was making 10s of thousands of dollars working part-time and taking money moves. That's what she came up with that like money honey moves down to Florida. Oh, I get it. Oh, that's good. That's really good. And because she was the right person and I just had to treat her with I just had to like get my own nonsense out of the way.  And it doesn't even have to be, you know, and, and I, like part of me is saying, Oh, Margana, you should tell everybody they have to hire you, but that's not true. Like, I get testimonials all the time from my free stuff. Go to marganaray.com. There's tons of free stuff. And there was a time many years ago when I thought, Oh, if they get good stuff from the free stuff, they won't hire me. And I left that thinking long ago to me. It's like, yay, one less person I need to worry about. And there's always enough for me to have the best clients in the world. We don't need everybody to buy our program. And that is one of the things that drives me nuts in our industry is kind of the praying and the heavy handed sales tactics. Me too. I hate one of the things I, and I know we're not alone, but I hear it all the time. People go to workshops and like, Oh my God, it was a pitch fest one after another after another. And you really just put aside your weekend for content. So I agree. Well, when we come back, we're going to be asking Morgana, give us some steps. We're all like, Hercules, Hercules. And during this break, I'm Debbie Dashinger. This is Dare to Dream. I am a media visibility strategist. Welcome to my world. I help you to create a fierce and unique presence through coaching to write your book, taking your book to a guaranteed international bestseller. And I get you scheduled on media interviews. I'm a certified coach and I help clients stop living in the shadows.  Welcome to Dare to Dream. We've been on for over 11 years and I love every moment of this show. And I've written three international bestsellers. I've contributed to 13 anthologies, produced two anthologies, and I myself have been interviewed on over 800 media outlets. I'm sure that number is actually much bigger by now. But I just keep growing as you all do as well. I do offer an introductory visibility strategy session just so you know if you want to receive a personalized plan to stop being the best kept secret. It's a 45 minute call. You receive a copy of the call recording. Also some paperwork with the bullet points of what you need to start doing to move yourself forward, get the exposure and where it is for you. And also what's not working in your field currently. So I give you immediate strategy and empowerment to become the visible, go to expert, but go to authority in your field that people think of first. This way your tribe can find you. The intro is only 97. It's a $500 value. Obviously that's a tremendous amount of content. But I do give it to people for 97 so you really can get this huge piece of information and content that will change everything you're doing right now. And the stuff you're doing well, it won't change. I will acknowledge what's going right. If you could have figured it all out by now, you would. So contact me. You can go to Dare to Dream Radio at gmail.com. Dare to Dream Radio at gmail.com. Stop your business from living under a rock and rock your media influence today to become a powerhouse leader. Well, here we are back into the program with Morgan Array and I want to definitely offer and we have about the short say this is going to be a very short final segment. But if you'll take us through some of the steps that would be great so we can get some relief with our money.  Because I'm speeding through this, I just want to say you can go through. I have resources at Morgan Array.com to go to it more deeply and slowly free and inexpensive. So and I also just want to say, I love you so much, Debbie.   So thank you for having me here. Right back at you, girlfriend. Thank you. So the first step, this is a process that I call alchemy financial alchemy because it's the transmutation of the lead of what's not working. So the first step is to focus. It's like, take off your law of attraction hat, you get to have it back. I want to separate what we want to keep from what we want to get rid of. So we want to courageously go into like anything in your life that has energy around it that has ever made you feel not lovable, not worthy or unsafe. And by the way, even if you feel that this is the great news, you get to use it again. If it has any charge, like if you survive that crap, it would be such a waste to not milk it for the rest of your life to get something out of it. So good. So the accidents, the, you know, broken relationships, whatever your parents didn't do right. We want to milk wherever you can find some pain, you can use stuff that's going on in the world that has nothing to do with you. Okay, there's plenty of stuff there to whatever makes you feel unloved, unworthy or unsafe.  And by the way, extra points if you're crying, not necessary, but extra points. Then we do something crazy weird. And we imagine that it's all the fault of the third party person.  And does that through every setback, every challenge, every hurt you've ever had. We make it outside of you because in step three, we're going to destroy it and we're not going to destroy you. We're also not going to destroy your parents. And I know some of us have had really monstrous parents, but they gave a flight.  I trust so, but the monster may have used your parents and your parents probably have their own monsters scarcity and fear and unworthy and all that kind of stuff.  So you aren't getting rid of it just for you. You are getting rid of it for those you love. So step number two is you personify the monster step number three you get rid of it by any means necessary this imaginary. Yes, I'll ask you question. So I'm not visual, right? So when people go into visualizations, I'm lost. It just doesn't happen for me, but I'm very feeling base, visceral, I think somewhat auditory. So for people like me, when when, you know, so I have the energy of what you're talking about, but I don't know that I could personify visually what the monster is. Is that necessary? And if actually, well, I would actually say the majority of people are not visually, you know, it's I think it's a split between people who are visual can aesthetic, which is feeling and auditory. So maybe two thirds of people don't start visually. What I do when I'm coaching, so this is a great question because you're talking for the majority myself included. I start with the feeling how big is it start with the feeling of the pain of all the stuff you just kind of dug up to look at until it's like this is not acceptable in my life. And then how big is it? How big is this person? Is this person hot or cold? What is it smell like? Because now is our least intellectual. It's our most animal emotional feeling that we have the emotions matter so much more. The problem with visualization, we will get there. But it's so literal that we can start spinning in our conscious mind getting all controlling. So I like to save it from last. So what does it smell like? What does it think to itself when it looks at you? Right.  Put it in the monsters now.  And what it comes to is you want a person that feels real. So not cartoonish. That's a way to kind of create an emotional distance. You want to create a really strong emotional immediacy. And only one of you gets to survive.  And there is a correct answer.  And you can vocalize it. You can physicalize it or not. So here are some common tools of money monster destruction. Knives, lightsabers, flamethrowers, fiery pits, those big double-handed swords. One client, who I actually heard from this morning, drove over her monster with a monster truck. I love that. Atom bomb. Whatever, whatever. By the way, you know, we're all into love and light and so many of us are vegan. But there's actually a real sacred value to that kind of rage.  You get too close to it all. And that tradition exists in every religion. And so we don't want to get rid of our anger. We want to use it. The anger is like the fire that helps us rise up from the light, that damp cold of our victim experience. And by the way, our victim experience has gone in it. So we really want to extract what is useful from it. It's what gives us the humility and the sensitivity to care about other people. So it's humanized us. So the first three steps uncover the root cause, which is never really about money that you can start there. Personified into a money monster. Three, get rid of the money monster by any means necessary. And that's the first half. And then, then we get to the fun part. Yes, there is a fun part. When the monster is gone, and it's really, and it's totally binary. Like if there's any left, do not proceed. Just get rid of what's left. Okay. And I've gone through up to 10 iterations with a single client because some people have dickier monsters than others. That's okay. My job is to outlast any monster.  Whatever you need to do, when it's gone, it's gone. Okay. And it will feel different and it may feel frightening. That's fine. It may feel wonderful. That's fine. It may feel light. I've had clients on the other side of the planet say like the sun came out and I was like, that's right. You know, it's just different. Different is all I'm listening for. When there's this empty space, we don't want another monster to fill that. The monster you destroyed is gone. But we have an empty space and we have a need to have a healthy, happy relationship with money, love and life. So when the monster is gone, then you get to meet what's left. And what's left, all that's left is love. And that will show up as a person too because that makes it real. You know, ideas are fabulous, but abstract ideas don't create real world results like this, not as easily. We know what it's like to know people so we make this a person. And what does work best is if you like the boys. I invite you to have a really attractive guy. If you like girls, have a really attractive girl. If you like both, you can show Dutch. And this is just somebody who loves you.  This is an opportunity to completely redesign your blueprint for relationship for the rest of your life. This is a person who will always respect your boundaries and exist just to love you. And it becomes your partner.  So you have the power because you have the body. So step number four is you meet what I call your money, honey. And I call it money because money is an area of life, right? That is an area of a lot that needs our love and our healing. So let's pretend it's money, but also know that it's so much more and this person doesn't feel like money.  I'm in love and this person loves you and anybody in the world. That's step number four. Step number five is now you get to have a conversation. So when I met my money honey back in the day, the first time, the first question I asked was, what do you need from me so you can stay with me? Which is a very different question than what do you need from me so you can love me? Totally different.  And you've been exerting that power for a long time, so we know you can. Question, because I'm taking notes, copious notes, so I have a conversation with the money honey and I ask, what do you need from me so, what was the rest of that? You can stay with me the way you so deeply desire to is to sometimes. This is someone who loves you, but you are the doorkeeper. Your money, your money honey never actually leaves. This is the big secret every client discovers, but you may unconsciously push him away for her. I will default to him because mine is, when we get complacent, when we choose a stranger over our relationship, somebody who doesn't want to pay us what we're worth. When we want to cheat on our money honey, you know, I, and I learned this very painfully years and many, many years ago when I had a bunch of clients and said, I can't pay you, but I'll pay you when such and such happened. And then I coached them and such and such happened and they didn't pay me and I didn't ask for the money because I still had stuff to learn. And at the end of the year, my money honey was like splits though, like clients for going away money was going away and I was like, wait, I don't understand. You're a cute guy, you're supposed to stay now. I thought that was it. And he actually, he pointed out to me all the times that I told him he didn't matter. And how deeply that hurt him. And he believed me that I didn't want him around. And I apologized, not out of being shamed. I wasn't shamed by him, but out of like, well, I've been a real jerk. Like, I see how much I hurt you. How do I make amends? I need you to go to those people who owe you money and tell them you need to be paid, which at that time, I couldn't imagine anything more horrifying. And I did it. And I got paid part of what I was owed by only one of them. But my income quadrupled from unexpected sources that much just by taking the action. And that was a lesson that is like in myself now. So it's a dynamic relationship. So the first question that I usually start the relationship with is what do you need from me so you can stay with me. Because it's all about giving you humans the power, not giving your power away to some imaginary fairy, because when you do that it becomes a monster. The point of life is your power. Right. So that's step number five is the conversation. Okay. And then step number six is concrete physical action. Action is magical. If you want real world physical results, we want to get this out of your head and into your body. And those results. So you ask your, your money, honey, or you have a conversation. Like don't put your money, honey, under the interrogation lights, because that will silence your intuition like that. But instead, just like friends from what, what action can I take right now to show myself and my money, honey, that this relationship has changed. And my favorite stuff, like, sometimes it'll be something like balance my checkbook to my passes and the client will come back and say, Oh my God, I did my passes and it was like four play. It doesn't look like it has anything to do with money or it doesn't make sense. I have a client who's money honey told her to stay home for the weekend. And she picked up a $20,000 client. I've had clients go out and get pedicures of a client in Canada Janet Breitmeier. Her money honey kept telling her to take a walk and she kept saying okay but not doing it for two weeks. And nothing was changing and she was getting more and more stressed and then she finally took the walk because she was too busy she had to make money she couldn't take a walk. She took the walk and picked up two clients on that walk for more than she'd ever charged before. So it doesn't have to make sense. It's just movement. Just do it and do it without expectations. Don't make this a transactional relationship where you have to see results because you wouldn't want to be in a transactional relationship like that. That is fear based not love based and it's counterintuitive but the more the relationship is about love and not about cash, the more cash shows up. And is that all the steps so then we're taking the action? That's a success.  But let's start with these six steps. These are amazing. Really amazing. And I'm going to do it. And I loved this. It was actually in the conversation you were having somewhere between the what do you need from me so I can so you can stay with me the way you so deeply desire to that step in between the action and you made a reference to the importance. Oh, it was the story about your clients who had not paid you and the recommendation was you need to go ask for that money and to start switching this around and it reminded me. I am I went to a huge heartbreak is is a very mild word of a long term relationship last year had a lot of impact on me and I definitely I mean the healing I've done in a year and a half has been extraordinary and super grateful. I am now working with two healing coaches one inside for love and one a dating coach so I'm super loving this experience of allowing someone just to guide me right. And one of the things my love coach recommended was I was going on a second date with somebody who's definitely really likes me and is pursuing me. And she said, on this date, I want you to have the casual dating talk, like, what is that.  I just want you to know, I am casually dating right now. I am just enjoying this process. And I love spending time with you and I find it extraordinary and I'm so glad we're met, we've met each other and are continuing to do so. And yeah, that's my reality right now just so you know that I am casually dating. So, you know, the interesting thing is I'm letting him know and that is true I am going to absolutely date and at the same time apparently there's a pursuit that happens that gets there's a few dynamics that occur with that actually very honest communication. So I like it in theory. And I went on the second date I couldn't do it.  And so much cake wise thinking, Oh my God, you know, I definitely can tell he really likes me and I don't want him to feel put off or like I'm saying something that makes him feel awkward or I don't know but it got just all jammed in my head. So my coach was super compassionate. She said it's right. You're not the only one this happens to it happens a lot. So I'm going to see him Saturday and she said, you know, find a time but she said but after you say it. Change the subject. This is not going to be one of those conversations you're just putting out some information moving on. If he needs clarity, you know, she and she gave me some very clear instances on a few things that would make sense somebody might ask but to respond to them. Give the clarity and move on. I love what you said when you were saying how you didn't pursue the right path for yourself. And that your money honey told you take care of that you know you deserve that money you gave them value go get what your agreement was what the deal was. And I love that because actually, this has nothing to do with the man. This is the deal with me. This is me stepping into my own life. I feel the power this so big right now whoa. It is the deal of me stepping into my own life and really changing the trajectory like what I am so committed to right now. The love for myself the care for myself that I'm completely changing the dynamics going forward. So whether it's comfortable or not is actually not the issue. It really is about taking a stand for me energetically. So I'm really grateful we had this conversation because I feel like going forward Saturday. I'm doing it. I'm committing right now to you and everybody else. I'm doing it for me. Well, and I would say that this comfort could be the whole point in itself because you'll discover you survive it.  And I picked the person who was the closest human incarnation. My human honey and they say the same by meaning they want what's right for me and my money honey may be saying stuff to me and then my and then Devin will say it and it's like they gang up on me for my own good because they both love me and they're both looking out for me. Oh my God, bing bing bing bing. So people quick little quick break here. We're going to come back. We're going to do a lightning and ground with Morgana and find out a little bit more because I know you can feel into how powerful that would be if you could find that. And imagine if you could find all of these to have abundance in all these areas. How incredibly potent and wonderful and free. That could be. So you are listening to Dear to Dream. This is Debbie Daschinger. You can go to my website Debbie Daschinger.com. It's D-A-C-H-I-N-G-E-R. And you can get your free publicity report there. Also, if you are enjoying this show, leave a five star review. What's great about the five stars and the reviews is other people who are looking for quality transformational conversation like this can find it based on what you share. And thank you so much by the way for the 11 and a half thus far run that we've had together. I adore you and the fact that we've stuck together through this growing journey together all this time. So here we are final segment lightning round with Morgana Ray. You can find her at MorganaRay.com and Morgana. What is one ritual or practice that you use daily that keeps you grounded? Every morning when I wake up, I set my priority for the day and I make a list of preemptive gratitude. It is so easy to get into fear. So I consciously give gratitude for the things that I want to come to pass and it's like magic. Things that were stuck, things that seemed impossible. It almost lubricates. It helps you rehearse for the results that you want to see in the world. That's sexy. I like it. It lubricates. Okay. Lubricating gratitudes. I'm in. Yeah, preemptive gratitude before it happens. Wonderful. Fantastic. Talk about attention and intention going out in the world. So this is Dare to Dream. What are you next Dare to Dream, Morgana? What are your future dreams and goals?  I came up with the title and so I need to find a home for that, speaking of which, I see my husband coming up. So yeah, I think that's the next piece. And I think I'm going to write my next book, The Rich Witch Challenge, Practical Magic for Wealthy Women. I love that title, The Rich Witch. Which Woman in Total Command of Her Powers. Damn. Okay. Let us know when that's coming out. That might be another segment. That sounds really good. Yeah, it's okay. It's done. That would be a nice lubricating gratitude right there, preemptive. So you've alluded to Devin. I know you guys, you do something very extraordinary. I want the listeners to understand about you getting married as many times as you have in as many places. Can you share a little quickly about the fact that you have said making more money means putting love first and you walk your talk. How does that manifest in your marriage? Well, I think that really the only good purpose for money is to serve love, lifestyle and legacy. And the world has a lot of people who are making tons of money and it's not serving that. And that's poverty. Like nothing is ever enough for these oligarchs who are destroying the planet. That is poverty. That's not happiness. So money always serves love, lifestyle and legacy. And I designed the business that it's funny in 2012. And I knew I wanted to travel the world with the love of my life. I hadn't met him. I changed my whole business. I had to have very few one-on-one clients. I beat for the time freedom. I switched all of my products except my book that's on Amazon. I switched everything digital.  You want to talk about what I'm looking forward to? My 2019 money goddess retreat in Bali. I'm really excited about lots of stuff from Bali. So he proposed to me over Skype. And we eloped. And then about a week later, we were in Puerto Vallarta, Mexico, because he's a travel writer and he got a gig and he got them to let me come to, and we called it our honeymoon. And we were walking past the iconic cathedral in Puerto Vallarta. And he said on a large, hey, you want to get married again? And I said, absolutely. And the second time was deeper. It meant more. I had had almost 13 days of marriage under my belt, more than I did the first time. So I felt like I knew a little bit more about what it was like to be married. I started crying. We're in this cathedral. People start cheering. And Devon saw how happy it made me. And he came up with the idea, let's get married a hundred times in a hundred countries, which was like a no-brainer yet for me. And so romantic. Oh my God. Oh, my bucket list was just to get married once. You know, happily married once. I was 45 when we met. I was 47 when he proposed. At which point I was like, I don't want to deal with sacred rooms and caterers and DJs. I am, if I were, you know, if I were to get married in 2020 and mommy and daddy were doing it great. I spent $20 on my white lace dress at Ross. That's great. And got compliments like all over Europe. So that's at a horrible pride. I am. And we got married in castles. And Devon was knighted in the Republic of San Marino. Like I got my fairytale. Sanctity weddings to fight myself. And I also learned that the only thing that matters is the couple in the vows and the marriage is the prize, not the party, not the castle, not the dress, not the guest list. The whole like going home with him. That's the prize. And it's also really nice to experience love in different cultures. And to cut out time and life. It's inconvenient, especially when you're the girl and you have to put on a white dress and put on makeup and all that. But to say you are my priority. You, and this is, this is why I love you. And this is what I want for you. I want you to just make up new vows. Every time. And it gets better every time. Feel it. I hope I'm there at one of them. That's all I can say. I don't know what country that'll be in, but maybe it'll be, I know, I know you guys are actually going to be in Mexico next year. Maybe it'll be there. I love to see one of these. I want to be a flower girl or something at one of these. I'm going to be a flower. I'll be a flower girl. I'll be a flower. I'll do it. I'll do anything. I don't wrap you. Done. Done in God's eyes. That's okay. You heard it here, people. You heard it here. So now you got to come to the wedding to and celebrate. This is so beautiful. If you want to know more about Morgana, go to her website, Morgana, ray.com. Thank you so much, my friend, My pleasure. I end today's show with this quote from Miguel De Cervantes. Never stand begging for what you have the power to earn. Next week on Dare to Dream, I am featuring Sean Stone. Sean is the son of the filmmaker Oliver Stone. Sean is an American actor, film director, producer, cinematographer, and he's a screenwriter. And Sean hosts the TV show Watching the Hawks. He has several provocative movies about to come out and release. And you want to tune in to hear this. It's gonna be, this guy is really interesting. So I'm excited actually to engage with him. If you would like to enjoy inspirational videos, please do so. Go to youtube.com slash debontheradio. And again, debbydashinger.com to get your free publicity report. Share the show with your friends and those you love. And remember, I love hearing from you. You matter. The secret of success is having the courage to begin in the first place. Thank you so much for joining me today on Dare to Dream.