The most powerful way to solve any financial freak-out isn't through more money, but by transforming your beliefs to ones that truly empower your most abundant life.

Dear Friends,

Today I have a treat for you, an interview with one of our favorite course authors, Edward Vilga. His newest course with us is called Meditations for When You Are Freaking Out About Money. If you have been reading this space for a while, you know by now that I really like to have teachers who know their topics firsthand - what better teacher than somebody who has lived the experience. And let's face it, we have all had/have money issues in our lives, and I wouldn't be going out on a limb if I guessed that we have all had a freak-out about it. Take a breath now and read on. Help is on the way!


Madisyn Taylor: When people freak out about money, they experience an intense negative emotion that is perfectly natural. Tell me about the dangers of sitting in this emotion for too long.

Edward Vilga: Having a financial freak-out is bad for us on so many levels. First, as with any intense experience of stress, our health can suffer. When you sustain a state of constant worry and anxiety over money, or something else, you experience moments of real panic that are simply not good for your body. Second, other areas of our lives can suffer. For example, money conflicts are usually cited as the number-one reason couples argue and split up, illustrating how the negative effects of our financial freak-outs can spread. Third, and perhaps most damaging, financial freak-outs are usually a kind of emotional quicksand, wherein the more we struggle, the worse we feel. Unfortunately, as we keep descending to new lows of negative emotion, we're increasingly less able to solve the problems we face. This state of mind becomes a vicious circle, one in which our thinking becomes cloudier, even distorted, and our choices don't come from our wisest, most grounded thinking. Having experienced my share of financial freak-outs in the past, this course offers powerful ways to offer the kind of lifeline one needs to emerge from the quicksand and move toward stable and positive emotional ground.

MT: I love that in the very first lesson you teach about "moving from fear and panic to optimism and hope." Why is being optimistic so important?

EV: One of the key concepts in the course is willingness, and I use that word a lot in each lesson's meditation as I guide people from negative to positive emotions. I've found that when people try the "fake it 'til you make it" method when they're starting from a place of feeling genuinely afraid and panicked, this technique often backfires. So, I encourage the student to be open and willing to let go of some negative emotion and climb step-by-step up an emotional scale.

When we're in the middle of a freak-out, we have to first reach a state of non-panic, moving toward steadier, calmer thoughts until we can approach something neutral, a place where we can feel grounded and centered and reconnect to our wiser selves. From that place, we can then open the door and allow a little optimism and hope to shine on our situation. That really is the turning point. The moment where we can look at the situation with just a nugget of optimism and hope--when we're suddenly able to turn things around in the physical world. Until we reach that point, if we're consumed with panic, worry, or other clouds of doom and gloom, the solutions we seek usually stay out of reach. In fact, it's usually an inverse relationship in that the more desperate we are, the more things worsen. Once we allow a glimmer of optimism into our perspective, it can be like finally getting the Wi-Fi passcode right. Suddenly, the universe can open up to us with amazing, unimagined possibilities.

MT: Another lesson is about moving from guilt and shame to confidence. You teach that guilt and shame can actually trick us, how is this and why?

EV: When we experience intense guilt and shame during a financial freak-out, those emotions do not help us move forward. Instead, they keep us stuck.

The experience is tricky because it may seem like we're taking responsibility because we feel terrible, but typically we wallow in these emotions and beat ourselves up instead of addressing what needs addressing and taking corrective measures. It's like the old proverb about crying over spilled milk. The milk (or the money or opportunity) has been wasted or lost. There's nothing to do about it except clean up the mess, learn whatever there is to learn from the experience, and move forward with greater awareness.

Guilt and shame prefer that we spend inappropriate, even endless amounts of time lamenting our losses and feeling awful about our "failures." And please note that I put "failures" in quotes. If we define ourselves by our ability to learn and grow, failures are simply an organic and unavoidable part of the process. Most job interviews, and even the most prestigious business schools, ask you to discuss your greatest failures and what you learned from them. It's not a question to stimulate guilt but an opportunity to showcase your growth. So if guilt and shame are rooted in truly taking responsibility for a problem, they can be powerful springboards toward solutions, but not if you wallow in them. Then they become swamplands of negative emotion, keeping you trapped with their tricks!

MT: You give an anecdote about how you had to move suddenly, and you actually ended up in a better apartment than the one you had. I had a similar experience when I went to buy a classic car that I had been saving for and researching endlessly. When I got to the lot, it was gone only to be returned days later, and then it became mine. I was so mad at first because I just knew it was mine, and leaving without the car made me feel like a failure. When it became mine, I had one of those amazing "aha" moments. It is really hard for people to surrender and let go, to learn to trust the universe. Why is this?

EV: Most of us were raised with a lot of well-intentioned warnings about life: "Look both ways before you cross the street," "money doesn't grow on trees," "Certain people just can't be trusted," etc. These messages were explicitly reinforced and are at the heart of the widespread advertising that surrounds us. Our fears, most often about scarcity, are exploited to sell us things. Turning on the TV at any moment, I'm bombarded by endless variations of messages like "Terrible things will happen if you don't XYZ." We're constantly being told how unsafe our lives are, a sentiment reinforced by news outlets that focus 99 percent of their attention on disasters and tragedies. Fortunately, as adults we have the power to choose our focuses and strengthen our "trust muscles" without being irrational or naive. What I've found is that the more I develop my ability to trust, the more the universe demonstrates that my belief that life and spirit have my back is well-founded. That's because trust isn't quite the same as blind faith. It's knowing on a deep level that something is reliable and true and can be safely counted on to support us.

MT: As humans, why do we tend to unconsciously choose struggle over ease?

EV: For many reasons, but I think the most fundamental one is that we're simply programmed that way biologically to survive in the world.

The cave people who survived were the ones with their eyes most actively on the lookout for the tigers! Simply put, we're basically hardwired to be on guard against danger as part of our survival mechanism. Even now, we still hear that "it's a jungle out there" regarding the job market - even if the tigers are of the corporate variety. Our culture reinforces this by placing a disproportionately high value on struggle. Whether that's working our way up through the ranks at the office or trying to make a name for ourselves in another competitive market or even in military service, it's instilled in us early on that struggle is not only necessary, it defines our moral character.

Interestingly, one consequence I've seen of this is that people tend to undervalue the things that come easily, often effortlessly for them. Since there's little to no struggle involved, they mistakenly think that means they don't deserve full credit - or payment! - for the talents that are right at their fingertips. Struggle can be a particularly tricky issue because obviously not all challenges are inherently bad. We definitely want to grow through our experience of life, yet it's possible to do it in positive ways that stretch us without causing unnecessary anxiety or suffering during the process.

MT: Tell me about some of the homework students will participate in. You also have a meditation for each lesson. Tell me about these as well.

EV: The course is designed to help you uncover and expose any negative beliefs you have around money. Each lesson focuses on a specific negative emotion or concept - ranging from overcoming panic to feeling unworthy to living with a mind-set of lack - and the long-standing thoughts that reinforce that thinking. Sometimes it's helpful to understand where those beliefs came from, but it's more important to be willing to transform them into ones that serve and support the abundant life we want to live. The homework section in each lesson is called Questions to Contemplate, illustrating that it's through first attaining a soulful understanding that we can then shift anything in our lives.

The meditations are central to each lesson since they serve to allow the student to withdraw from the intensity of their financial freak-out to experience an oasis of calm through breath awareness and guided visualization. They exemplify why I think of this course as a "financial oxygen mask." A guided meditation can have the power to center and calm you during those intense moments when you feel like everything around you is about to crash into oblivion. Also, the meditations offer prompts and encouragement for your inner guidance and are designed to expose outdated thinking and stimulate new beliefs that parallel the Questions to Contemplate. That's because lasting, deep changes must come not only from allowing our panic to dissipate but from shifting the thinking that caused it in the first place. As with all DailyOM courses, these tools are yours, and I would encourage you to use them in whatever ways serve you best. Some lessons, meditations, and Questions to Contemplate will resonate more than others, and repeat listenings and journaling efforts may clear deeper layers.

MT: What words of wisdom do you have to share with my audience about this course?

EV: Even though a financial freak-out seems like a natural and unavoidable response to a crisis, it's never the answer to your problems. Your best strategy is to get calm, centered, and grounded, then shift the beliefs that got you into whatever situation you're facing. Ultimately, the most powerful way to solve any financial freak-out isn't through more money, but by transforming your beliefs to ones that truly empower your most abundant life.

Course Overview

How much of your life is spent freaking out about money? Are your freak-outs occasional but intense, or are you someone who is constantly worried about the unexpected bill or dread the first of every month when rent is due? Now imagine a life where the way you felt about your finances was ease and flow. And when your next financial setback arises (spoiler alert: they arise for everyone and will continue to do so), rather than freaking out, you're able to handle things a lot more efficiently. The very important first step is to work on the underlying beliefs that cause your financial freak-outs, and then learn how to transform the negative emotions they produce. This course is a solution designed to do laser surgery on the seven most common mindset problems that cause financial freak-outs. Give yourself the gift of ease and flow around money, and get started on your journey today!


How Does It Work?

Starting today, you will receive a new lesson every day for 1 week (total of 7 lessons). Each lesson is yours to keep and you'll be able to refer back to it whenever you want. And if you miss a lesson or are too busy to get to it that day, each lesson will conveniently remain in your account so you won't have to search for it when you're ready to get back to it.


Get Started Now

We are offering this course with the option of selecting how much you want to pay. No matter how much you pay, you'll be getting the same course as everybody else. We simply trust that people are honest and will support the author of the course with whatever they can afford. And if you are not 100% satisfied, we will refund your money.


How much do you want to pay?

$15$35$50

This is the total amount for all 7 lessons


Thank you, Edward.

If you are currently struggling with money, take a breath right now and know that everything will be okay. Edward is such a wonderful teacher on this topic, and his gentle teaching is powerful and effective. Until next time.

Be well,

Madisyn Taylor
Cofounder, Editor-in-Chief
DailyOM