From Mindset to Money Flow: Tips from Lisa Kalmin

Hey everybody.

Welcome back to This Daring Adventure.

Today I have a special guest on the podcast. It's Lisa Kalmin. With 38 years of transformational coaching, Lisa has helped over 50,000 individuals shift their perspectives, realize their potential, and experience breakthroughs, and access true abundance. As the author of the award-winning book, the problem is how you see the problem and co-founder of World Works Trainings and Inspire Coaching. Lisa is a passionate advocate for personal growth, believing everyone is just one conversation away from a breakthrough. Please welcome Lisa Kalmin. Welcome, Lisa Thank you so much for joining us today. I'm excited to have this conversation with you. Why don't you start off and tell us a little bit about yourself and the work that you do.

Lisa:

Oh, thank you. Just, I'm so excited to be here and we've gotten to chat a few times. I just love what you, what you open up for people and support people in. And, my name is Lisa Kalmin. I am a transformational, coach trainer. I call myself like a mindset wizard. I'm really good at seeing the way that people see things. So that they can shift their worldview and the way they're looking at something and their beliefs, their mindset. So it opens up a whole other world of opportunity for them. So I've been doing that for literally, 38 years. So I'm not a new chicken on that block. And. about 10 years ago I started to dive into money and our beliefs around money, our relationship with money, as well as how to have money flow. So that's what I've been doing recently. And then with my business partner, we do, what we call our badass women's leadership. Retreat and series, so little of this, little of that. So it's super good,

Trista:

right? Well, yes, and all of my work does focus a lot on managing our minds and the mindset similar to yours. And the one thing that really interested me was the work that you do with money. Because I think in one of our conversations I mentioned, I haven't done a lot in that area. In the work that I've been doing in my podcast or in much of it when I work with my clients, if they are a coach or I have an artist, or a business woman, we, we do talk about an income goal and I think that's very helpful. I make sure I have an income goal and so I wanna make sure that they have an income goal just to use it as something to, yeah. Grow and evolve and work for. But why don't you tell us a little bit about the work you do around money and money miracles and money flow and all the things.

Lisa:

Thank, thank you. Thank you. Well, first of all, let me just say when you have someone you're working with give you a goal, an income goal that's really valuable. I saw some research, couple years ago and something like when we tell ourselves a goal internally and don't say it out loud or write it down, it has a less than 10% chance of being. Accomplished. Once we write it down, it goes up to maybe over 20, something like that.

If we communicate it, it's over 40. And if we have an accountability partner, we say the goal to and account as you are as a coach and your coaches are for their clients, it goes over 90% chance of accomplishment. So the making the goal. The speaking, the goal, the telling someone about the goal and giving them permission to hold you accountable to the goal makes all the difference. So keep doing that. That's really awesome.

So as you were saying, you haven't done much money belief work, and I hadn't either. Like again, I've been, I had been doing this work for maybe t almost 30 years, over 25 years. And whereas my general work with people is a broad shift in their mindset and their, in a relationship with themselves and other people especially. I hadn't gone deeper with our money beliefs and I got here because I myself had an inconsistent experience with money. Like there'd be times when money would flow and I'd be like, yeah, and I didn't know exactly like, what am I doing? And I'd be doing, then a year later doing the same exact thing and it. Tightens up and is scarce. And it wasn't about the economy at the time, it was about whatever was going on with me. I know enough to know that.

So I began looking at what is money? How do you have it flow? What's in the way of it flowing? And my first, insight or realization was, money is not this thing. Like we think of it as a thing or we think of it as a, something. We use it to get like a tool. I. And if you think about what money, was maybe five, 600 years ago or 400 years ago, it was an exchange of things like pelts or furs or spices or something like that.

And then we had these coins, gold, silver, copper. and then it was cash, which I still like, by the way. I still like cash. then we used, checks, which I still write a couple of checks a year. It's crazy. And then, these plastic little things called credit cards, then debit cards. And now this is what everybody uses. Click, click, click. And with e currency, we don't even know where it's like we can't even find it. So money is not this thing. money is an exchange of energy. It's a, it's energy, it's an exchange of energy for perceived value, really perceived value.

So it's an exchange of energy. 'cause everything is ultimately energy if we think about it, whether it's our body, whether it's our. Furniture or whatever. If you take it down to its tiny, smallest particle molecule, it's just energy bouncing around. So if money is energy or an exchange of energy, it can be attracted and it can flow. So that got me started and then I began to look at what is it that stops the flow and what is it that opens the flow. So that's how I frame this. And one last thing, let me, I'll say is there's enough money. There's actually more money in the world right now than there was when you and I started this conversation five, six minutes ago.

Trista:

Okay, interesting.

Lisa:

Isn't it? 

Trista:

That is very interesting.

Trista

Okay, so then how do you help your clients create, attract and allow for that flow basically?

Lisa:

Yeah. Yeah. So the first thing I love to work with people about is what are the things that are not, conscious to you, that you're not present to that are blocking the flow?

Okay, so one of the things that blocks our flow of money is our. and you've done work with people around this in other ways is our limiting beliefs or our stops around money. And so I literally ask people to look at, go back to childhood, before they were 10 years old. Really, most of it's done before we're five or six units, but our belief system's pretty set up and go back to the childhood and two things look at. what was modeled, not just what was communicated about money, but particularly what was modeled around money from your family of origin, the people you're around. It could be mom and dad, it could be mom, could be dad, it could be grandparents, and. aunties and uncles or neighborhood, whatever, and not just again, what you were told, because there are some, let me expand to the big picture.

There's some like beliefs out there, and I say culturally I don't even, I know where some of them started that are automatically downloaded to us as human beings. So for example, we've all heard. The, quote, money is the root of all evil, which is, as we know, a misquote from the Bible because the quote is, the love of money is the root of all evil, which means the attachment and the greed around it. So, but it's been sort of commonly spoken.

Money is the root of all evil. Well, nobody wants to be evil, and if that's unconsciously or subconsciously downloaded, we're gonna. Unconsciously push money away.

So that'd be an example of, culturally what, you have to work hard to make a lot of money. That's, that's another one. That doesn't mean you can't, don't work. And it doesn't mean you can just sit there and go bring it. And we know plenty of people who work their rear end off and don't make a lot of money, and people who don't work so hard and make lots of money, both. So the piece that gets really powerful for people is, spend some time journaling what was modeled for me around money, in terms of, saving money, making money, investing money, losing money.

And I've had people tell me when they looked at this, things like this, oh my gosh, my parents never talked about money, but when we went to sleep, they would argue about money. We could hear them arguing. So money became this, sort of representation of conflict. something like that. I have one personally, my, I grew up in the seventies, my, it was the first energy crisis, whatever that was, and. I would walk around my house and we were middle class. We weren't super wealthy. We definitely had food roof over our head. Nothing, nothing awful. And literally though, I would walk out of a room, my dad would follow me and turn the lights out. He would just follow me around and turn the lights out, whatever room I was in. So he never said anything. He wasn't like. Really judgmental or that way, but his modeling was, oh, there must not be enough and that gets transcended.

So there's so much there that people can look at and see, what, and it could be cultural. I'm, I grew up, I'm Jewish. I grew up and there was this belief we'd always have enough money. Like, again, not super wealthy, but I've never in my life worried about. Being homeless because I know I will always have enough, and my parents are long gone now. they've got, bless their souls. they're not, it's not gonna come from them, but I just, it's just ingrained in me. Interesting. Fascinating. Yeah.  So that's one way.

Trista:

Yeah. Right. So then we've cleared up the limiting beliefs. We've identified those. We can work through those. Yeah. Let them go. Start to shift our mindset around there. And then how do we start believing something new and opening the flow?

Lisa:

Yeah. Well, let me hit one more limit that can turn into a possibility. And I use this analogy, people have heard this and used this before. A, I call it your money set point. And if you think about a thermometer, a thermometer put a thermometer in a room. It goes up and down based on the conditions. It's hot, it's up, it's called, it's down. A thermostat actually sets the conditions of the environment. If you set it at 70, you're gonna have 70 degrees, or whatever it is in Celsius, for our Canadian, European fans, we have a money set point somewhere. We all do. Like, for some people it's income, like they change jobs or they start a business, whatever, and it's always the same amount of money coming in.

For some people it's more like what's left over. No matter what they do, like how much money comes in, they always have the same amount left over at the end of the month.

Some, some folks, it's debt. Have you ever had debt and then worked really hard to get it down and then something happens, the water heater breaks or the car breaks and you get, all of a sudden it's back up and, or even savings, same, similar, you get savings to a certain place, oh, I got my. Six or three months of living expenses and then boom again, you've gotta spend it on something.

So we have this set point, and so one of the noticing it and then one of the things I like, things I can remember. So in terms of an affirmation to begin to shift it, just turn it into a simple, easy affirmation, I like. I am so happy and grateful for the. $75,000 I have in my savings account. I'm so happy and grateful for having less than a thousand dollars of debt other than mortgage or something. I'm so happy and grateful for the X amount coming into my, bank account every month, or I'm so happy and grateful for the three new clients I paying, clients I generated, whatever that is. So begin that and then. Just to say how do we open it up to follow that up? One of the things that actually does work is affirmations.

And when, really long time ago, I used to think affirmation, that's a bunch of hooey. that's just ah, it's just wishful thinking. And what happens is when we declare something as if it is so, and an affirmation is declaring what you want, as if it is so, so we never wanna say something like. Oh, I'm so glad my aching back stopped hurting. you never wanna affirm what you don't want. You wanna affirm what you do want. I'm so, oh, I'm so thankful for my health and energy or whatever.

But when you say an affirmation, your subconscious starts to organize to bring it into, into reality Now. I've had a ton of people, including myself, say, look, I know affirmations can work. One of the things about affirmations, let me step back one second. When you say the affirmation, you have to be in the energy of the affirmation. You can't be like, oh, I'm so excited for my a hundred thousand dollars check. Like, you've gotta line up your energy with it. The vibrations.

Joe Dispenza, Dr. Joe Dispenza does a lot of work around this. People have heard of him. He is very. Well known and awesome, and, so you gotta match that. Now I've also met people who say, look, I can do the affirmations, but there's always this part of me in the back of my head, I'm like, eh, it's not really true. Like this little bit of cognitive dissonance or whatever you wanna call it.

So, I heard one time and I thought this was brilliant. If you have that instead of affirming, like just say, I'm, I have a hundred thousand dollars in the bank.

Ask what's called a lofty question. Ask a lofty question like this. Why do I have a hundred thousand dollars in my bank account? Why is money flowing into my life so frequently and so abundantly? Why is. Why am I generating and attracting clients, every week, whatever that is. Because again, very much like an affirmation, you have to start to org, God, the universe, however you have that starts to organize, to answer the question. So that opens up for people. They don't have to affirm it like it is. 'cause if you have that tinge of self-doubt, just ask it in a question. and be in that possibility. So that'll help open flow.

Trista:

Okay. And then I guess as well, you need to have, there needs to be an emotion attached to that. Yeah. Question as well, right?

Lisa:

Yeah. So I am always working with people about, there's a pretty fundamental distinction around transformation and personal development called be, do, have that if we wanna have a bunch of money, let's say, or we wanna have a relationship, or we wanna have a business that's successful, yes, there's actions that's the do part. Who are, who did you get to be? What are the qualities you get to exude to make that happen? Well, if you think about, if I did have tons of money, not so much what you would buy, but how would you feel? Or if I was attracting clients, aligned clients every week, how would I feel? I'd feel joyful. I'd feel, I'd experience joy. I'd experience confidence. I'd experience, gratitude. Whatever it is, start. Coming from those places. And then, it's, I again, like you work on the not physical level, the intangible level, and that helps the vibrations attract. Yeah.

Trista:00:17:23

And do you have a process for your clients? some of the work that I do, I tell my clients Journal. Yeah. Get your journal like you're writing this every day and like you mentioned, writing out the goal. Mm-hmm. and I tell people to do this pretty much on a daily basis as much as possible. Yes. Otherwise, I find my brain just goes into the weeds or into the ditch, and it's very easy for the fear and the doubt and the overwhelm mm-hmm. To overtake and

Lisa:

yeah. Become the problem. Absolutely. Absolutely. So one of the, so aligned with what you're telling your clients, the process is, declare your goal every day, or commitment.

And sometimes, let's say you have a goal for the end of the month, the goal is I want $20,000 of revenue. Okay, well, every day, what are the, qualities you get to exude? That day that align with that goal. So as we say, Rome wasn't built in a day. The goal comes from daily, energy, motivation, and then obviously some action steps, which I'm sure you support your clients in.

So in terms of loosening up their money conversation. First of all, I can also send you four prompts that people can journal about and just, especially around the three or four, around the family of origin, just to journal and notice what they notice. 'cause oftentimes just that helps people go, oh my gosh, my dad was so loose with money.

My mom was so tight with money. No wonder I'm like. Schizophrenic about money and spending it and doing all that. Yeah. It, it can vary. It can reveal that. And then the set point.

And then along with affirmations, I am very, supportive of people. two, two other things.

One, practice of gratitude, but again, not gratitude. Like, oh, I did my gratitude list. I one time had a client say to me. I know I'm supposed to do my gratitude list and I'm like, well, stop. Don't do it from there. 'cause that's not the point. The point is how do we be grateful in the moment for exactly what we have?

Yeah. I have a friend of mine who's a personal drama trainer, and she's been doing this since the seventies and she's like, every time something happens you don't like, she goes, how does it get better than this? Like flat tire. How does it get better than this? It's like, yeah. And she's very abundant. It's really great. so gratitude from a place of like really feeling and being present to the moment. And not just, something we're supposed to do, like floss our teeth, like that. and then I'm a big fan of vision boards. 

Trista

Okay, I was gonna ask you about visualization Yes.

Lisa:

Visualization vision boards, and I'll tell you whether you do the poster with the magazine and there's many virtual options.

I love this one called Subliminal Vision Boards 'cause it does this, take five and it flashes the pictures that you put in there. Really fast. The whole reason to do a vision board is, in our brains we have what's called a reticular activating system, which is super important because it's what keeps us from jumping off a building thinking, oh, it'd be so fun to fly. Let me try it. it's, it reasons us out of crazy stuff. It also limits some of what we believe is possible. So what we visual we see visually bypasses that.

So that's why a vision board, and you've heard many people talk about the effect of vision boards and how it turned out, and that actually helps bypass that, that automatic sort of reasonable. You can't have this unconscious thoughts and starts your mind working to. Bring it into being. You see, your mind doesn't know if it's past, present, or future. It's, that's why when you say if we speak our limiting beliefs or our old tapes to ourselves, that's what we're gonna have. 'cause your mind is just going, oh, that's what you want of relationship. That sucks.

Okay. I'll give you that, vision boards are great vision boards you can do virtually again or whatever. And then the last thing, I say that as a way to open up flow really simply is what I call outflow.

So outflow, energetic outflow, you know where you are. you're, you are giving, yes, and you're generous, but there's just, you could be a, outflow could be opening the door for an older person. Outflow could be, cooking a meal for your family that really makes 'em happy.

Outflow could be listening, being a generous listener with a friend. your podcast is a form of outflow. You are contributing to people who listen to you in a very open-hearted way. any kinda outflow now for people who are introverts who are like, I'm an introvert. It doesn't have to be loud and it doesn't have to be boisterous, and you don't have to have a podcast. It's just being in sort of like your energy. You're not like this protected untrusting, angry, frustrated. You are more like, oh, okay.

Trista:

And again, is it like you don't have

to do a bunch

Trista:

service? Like is it in the same, That's a

Lisa:

form of out. Well, sure. yeah. you, pick up groceries for your elderly neighbor. Give the homeless person a couple bucks, whatever it is.

Trista:

Right. And you just trust that.

Lisa:

Yeah. Well, I have a statement and you can again substitute God if that's important to you. The universe is in perfect order. Like whatever flows out has to flow in and it always is.

Now, it doesn't mean it's gonna happen in five minutes. If I'm generous with myself and I'm outflowing, I doesn't mean somebody's gonna come be a client in five minutes. A month from now, I might, my car might break down and somebody might help me out. Who knows. You gotta trust there's big capital T trust in all this too. 

Trista:

Do you have sort of a belief or I guess it's a direction where you just act like it's already done? Like you be that person who has that success or that money or whatever it is that you're working towards? Yeah,

Lisa:

Absolutely. Absolutely. So, just think about the kind of people that you like to work with or if you have folks who are coaches or whatever, who's the kind of coach somebody they want is gonna wanna work with. It's somebody who's already being confident, open, engaging. In service, supportive, et cetera. that's why, I ask people sometimes, okay, what do you want? Okay, I want a relationship. Why do you want a relationship? Well, I wanna feel loved. I wanna feel connected. I wanna feel important. I wanna feel heard and seen. Okay, great. Well, you just told yourself how to go out in the world to be, because you are gonna attract, like we, we sometimes do this process where like, how many of you want a 10 relationship? I do. I do. Okay. Alright, great. And what would you rate most of your relationships and somebody will say, oh, a seven or My, most of my past relationships are three or a seven or whatever. Okay. How many times have we gone out there pretending to be a 10, thinking the other person's a 10, find out they're a seven, they find out we're a six. we're like, it's all, we're not being what we wanna attract, so we wanna get it first, and then we'll like, yeah, once I have the relationship, then I'll be happy, and then I'll open up, and then I'll be joyful, and then I'll love myself. You've taught for a long time. It's the opposite way. it's that's upside down.

Trista:

Yes.

Lisa:

Same with money, same with abundance.

You know, we have an abundant universe. It's expanding, and so again, believing that there's enough believing and look, you've done great work with people. I've do some of this work with people. If someone has a deep rooted un worthy conversation or lack of value that's gonna show up in money because money's how we, one of the ways we measure value. I do this whole thing about women underearning and blah, blah, blah. For that exact reason.

Trista:00:26:17

Right. And I think a lot of it comes down to, we don't have these conversations. We really don't have, nobody talks to us about money. And if I was to do another program or another business, I would probably do something to work with young women and say, mm-hmm. What is it you want? And let's discuss what might be possible. I'm still having these conversations with women in their fifties.

Lisa

Yeah,

Trista:00:26:43

right. who are like, well, it's not about the money, and,

Lisa

yeah. We apologize somehow. Yes. Yeah. And there's a lot of statistics on this, which we could get to another time. But, women apologize for asking for their value, and whether that.

Trista:00:26:59

What they want. It's not even, like what do you or anything they want. Right?

Lisa:

Yeah. True. So true.

So true. Yeah. So until you look at where your, I call it your money blueprint, because whatever the blueprint got set up when you were younger, that's what you've built your house of money on. and some of that again, is. Family of Origins a lot. for women, a lot of it's cultural. Absolutely. women still make what, in the 80% something range of men. Yeah. It might

Trista:

be 70 something. Yeah. Yeah. 70

Lisa:

something. It's, yeah, I had saw the statistic recently.

Lisa:

Yeah. It's insane.

Trista:

Yeah. All right. Well, I am going to have more conversations about money with my clients and in general, and my podcast going forward. Definitely this, I think this is really interesting and worthwhile work, so thank you very much for sharing.

Lisa:

Great. You're welcome. You're welcome. And yeah, remember that if money is energy. It can be attracted in flow. If your energy is stuck, you're going to have stuck money. You're gonna probably have stuck relationships too. everything. We're in relationship with everything, including other people, but also money ourselves, the world around us. And if my energy is stuck, it's if it's suppressed, if fear-based or I'm confident, that's gonna get in the way of me attracting flow.

Trista:

Right. And, okay, so have you ever looked or used Tapping? Yes. Tapping?

Lisa:

Yes. There's actually a book. Okay. You, you probably, this book, tapping Into Wealth. Okay. There's a book called Tapping Into Wealth. I download, put it on your audible and do it. Yes. Yes. I actually use tapping in my course. Yeah.

Trista:

Do you? Okay. 

Lisa:

Yeah, because that's unlocks some stuff, And if people are into meditation or chakras, your money stuff is generally located in your root chakra, which is our security chakra. It's that bottom sacral Sit bone area, that's the root and stability of our lives. And that's money is much associated with that. So when you clear that energy as well, you can start clearing up some money stuff. So there's lots of ways to get to it. Somatic, emotional, you know. Interesting.

Lisa:

Yeah. Yeah. And just remember, one thing I say to people, if you are. Motivation for having more money comes from a sort of a disingenuous root. It won't work out. It's not gonna bring you the happiness you want. 'cause the roots create the fruits. for example, I have met people along the way whose, Mostly men, but their dad was super critical and was judgmental. you never be anything, you're never gonna measure up. And they have spent their life to prove that they can. So they, maybe they've become successful and wealthy, but they're never really satisfied.

Trista:

Right.

Lisa:

Look, we know plenty of people with very little money who are happy and plenty of people with a lot of money who aren't. It's not the money that makes it, it's what's the energy around it.

Trista:

And it's the same with anything, right? The job, the house, the car, the relationships, all those things. It's, it's not gonna make you happy, so.

Lisa:

Exactly. Exactly. Anyway, so fun. Yeah, I'll send you those prompts as well.

Trista:

That would be great. Thank you so much. And I'll put the book title in the notes.

Lisa:

Great. did I send you a free gift? I do have a free gift. No, but you can do that. Yeah, that would be great. Okay, great. I'd love to do that because here's what it's, it is a quiz.

For people to take to see what their money mindset is. Oh, okay.

And it, when you go on the quiz, it's, it's mostly directed towards, women who are underearning. But it, the quiz is generic. It worked for men or women. and I know you work with a lot of women.

So the quiz, you take the quiz, you add it up, and then it'll it give you a second prompt where you look at, am I a money attractor? Am I a money manager? Am I a, am I in my scarcity? Am I, just to take a snapshot for where you are now, as long as you answer the quiz, honestly. Yeah. So I'll send you that and the prompt.

Trista:

That would be great. Thank you so much. I'll make sure to put those in the show notes. Yeah, great. I'd love that. Maybe tell people where they can find you. I will put all your contact information in the show notes, but great,

Lisa:

You can find me. The easiest is, on social. I'm on Facebook. I'm Lisa Kalmin on Instagram. I'm Lisa Kalmin on LinkedIn. I'm Lisa Kalmin. Really easy. I have a website that I'm redoing and. And so that's LisaKalmin.com. So just my name. You'll find me. Okay.

Trista:

Easy peasy. Great. Well thank you Lisa, for your time. I really enjoyed speaking with you and I'm sure everybody will find it super useful and we look forward to the gift and the prompts. That would be great.

Lisa:

Yeah, that would I'd love that. I'd love that. I love this conversation. I love talking to people who work with people around something beyond just. Getting some result done, and I know you do that, and I've loved your podcast as I've listened to them. Thank you so much.

Trista:

Thank you very much. All right. Yeah, we'll have you back sometime.

Lisa:

Okay. Bye guys.

Trista

Okay, bye.