"Beautiful Money: The 4-Week Total Wealth Makeover" by Leanne Jacobs



In her book "Beautiful Money: The 4-Week Total Wealth Makeover," Leanne Jacobs offers a transformative approach to wealth creation that integrates financial planning with personal development. The book is structured into four weeks, each with specific steps aimed at aligning inner self with external financial actions. Below is an expanded look at the content based on the table of contents provided.

Introduction: The Path to Beautiful Money

The introduction sets the stage for a holistic approach to wealth, emphasizing the connection between personal values, health, and financial success. Jacobs encourages readers to redefine their relationship with money, focusing on joy and meaning rather than just accumulation.

Week One: Make Gorgeous Space

  1. Step One: The Beautiful Money Principles

    • Jacobs outlines foundational principles that promote a healthy and balanced approach to money. These principles help readers set the stage for financial success by fostering a positive mindset. At the heart of Jacobs' methodology are the Beautiful Money principles. These principles are designed to foster a balanced, mindful approach to money management:

    1.1 Money Can Hear You

    • This principle emphasizes the power of words and thoughts. Jacobs believes that the universe, or a higher power, is always paying attention to how we talk about money. Negative language and thoughts like "I can’t afford it" or "I’m always broke" create a scarcity mindset. Instead, using positive affirmations and speaking about money with respect and gratitude can attract more abundance into our lives.

    1.2 Ask for Money

    • Jacobs encourages readers to be bold and clear about their financial needs and desires. Asking for money, whether in negotiations or in manifesting financial goals, sets a clear intention and communicates to the universe that you are ready and willing to receive. This principle is about valuing your worth and not being afraid to ask for what you deserve.

    1.3 Respect Money

    • Treating money with respect means managing it wisely and being grateful for what you have. It involves being responsible with your finances, understanding your spending habits, and making informed decisions. Respecting money also means not wasting it on things that do not align with your values and long-term goals.

    1.4 Create Wealth; Don’t Chase Money

    • Jacobs advocates for creating value and wealth through meaningful work rather than simply chasing money. This principle encourages readers to focus on their passions and talents, which naturally lead to prosperity. By doing work that aligns with your values and brings joy, money becomes a byproduct of your efforts rather than the primary goal.

    1.5 Be Clear About Your Intentions

    • Clarity is crucial in financial planning. Knowing exactly what you want to achieve financially and setting specific, actionable goals can significantly increase your chances of success. This principle involves regularly reviewing and refining your financial goals to ensure they remain aligned with your overall vision.

    1.6 Balance Action and Allowing

    • While taking action is important, it is equally vital to allow things to unfold naturally. This principle is about finding a balance between effort and patience, understanding when to push forward and when to step back and let things happen. It emphasizes trusting the process and being open to unexpected opportunities.

    1.7 Give More, Teach More, Be More

    • Generosity is a key component of holistic wealth. Jacobs believes that by giving time, knowledge, and resources to others, we create a positive flow of energy that attracts more abundance. Teaching others and sharing our wealth of knowledge not only helps them but also reinforces our own understanding and success.

    1.8 Lead with Soul, Lead by Example

    • Authentic leadership and living by example are central to this principle. Jacobs encourages readers to embody the values and behaviors they wish to see in the world. Leading with soul means staying true to oneself and making decisions that reflect your deepest values and beliefs.

  2. Step Two: The Power of Now

    • Emphasizing mindfulness, this step teaches readers to be present and focused. Jacobs highlights the importance of living in the moment to make better financial decisions and reduce stress.

    2.1 The Beautiful Money Abundance Scale

    • The Beautiful Money Abundance Scale is a tool Jacobs uses to help readers gauge their current financial mindset and progress. This scale ranges from scarcity to abundance, encouraging a shift in perspective from lack to plenty. By regularly assessing where you fall on this scale, you can identify areas where your mindset might be holding you back and make necessary adjustments to foster a more abundant outlook.

    2.2 The Prosperity Scorecard

    • Jacobs introduces the Prosperity Scorecard as a practical tool to track your financial health. This scorecard helps you measure various aspects of your finances, such as savings, investments, debt levels, and overall financial well-being. By scoring yourself in these areas, you can pinpoint strengths and weaknesses, set realistic goals, and track your progress over time.

    2.2.1 Example Prosperity Scorecard Statements:

    • Throughout my day, my thoughts are creative, abundant, positive, and grateful.
    • I write down my goals with clarity, commitment, soul, and emotion.
    • I take daily action toward achieving my goals. I discipline myself daily to maintain focus and consistency.
    • I give more than I ask in return and exceed expectations.
    • I quiet my ego and open my heart to manifest my greatest desires.

    2.2.2 Prosperity Scorecard

    • To start, it's essential to assess your current mindset and practices:
      • Thoughts: Are your daily thoughts creative, abundant, positive, and grateful?
      • Goals: Do you write down your goals with clarity, commitment, soul, and emotion?
      • Action: Do you take daily actions towards your goals, maintaining focus and consistency?
      • Generosity: Do you give more than you ask in return, exceeding expectations?
      • Self-Care: Is self-care, self-esteem, and self-love a priority for you?
      • Motivation: Are you self-motivated, living from the driver's seat of your life?
      • Flow: Do you flow more and force less, trusting the universe?
      • Money Management: Is your net worth increasing daily, and are you a good money manager?
      • Learning: Do you commit to learning something new about money every day?

  3. Step Three: The Beautiful Money Cleanse

    • This step involves a "cleanse" to eliminate financial and mental clutter. Jacobs provides practical tips for decluttering finances, such as organizing bills, simplifying expenses, and letting go of unnecessary possessions. This involves:
      • Decluttering Finances: Organize your financial documents, eliminate unnecessary expenses, and streamline your financial accounts.
      • Mental Cleanse: Address and let go of limiting beliefs and negative thoughts about money. This might include practices like journaling, meditation, and affirmations to foster a positive financial mindset.
      • To create space for prosperity, consider cleansing various aspects of your life:
        • Physical Environment: Declutter your home, office, and car.
        • Mental and Emotional Space: Eliminate negative language, gossip, and overscheduling.
        • Digital Detox: Reduce TV time and unnecessary email checking.
        • Relationships: Let go of unhealthy relationships and gossip.
        • Health: Remove toxic products and unhealthy foods.

    3.1 Purpose of the Cleanse:

    • Help you detach from what doesn’t matter.
    • Make space for the great.
    • Allow you to breathe.
    • Lighten your emotional and mental load.
    • Create a sense of flow in your environment.
    • Let go of negativity and everything that no longer serves you.

    3.2 Cleanse Checklist:

    • Clothing, shoes, and accessories you don’t love.
    • Beauty products that aren’t healthy and nontoxic.
    • Toxic, unhealthy, expired, and processed food.
    • Harmful cleaning products.
    • Books, magazines, and paper clutter.
    • Messes in your car, office, home, and outdoors.
    • Clutter in any form—physical, mental, or emotional.
    • Negative language about yourself, others, and situations.
    • Overpromising or overscheduling yourself.
    • Gossip and drama.
    • Unnecessary technology and electronics.
    • Unhealthy relationships.

    3.3 Daily Practices and Tips

    • Creating Beautiful Money involves adopting daily practices that promote well-being and abundance:
      • Drink water with lemon upon waking.
      • Give yourself a loving affirmation daily.
      • Soak in a Himalayan salt bath.
      • Use organic essential oils.
      • Buy fresh flowers.
      • Create a Zen environment.
      • Limit or avoid caffeine.
      • Eat a diet rich in fruits, veggies, seeds, nuts, and healthy fats.
      • Drink juice and herbal teas daily.
      • Start a daily supplement program.
      • Meditate and move daily.
      • Choose natural cleaning products.

    3.4 The Beautiful Money Practice

    • Jacobs emphasizes that creating abundance is a constant and fluid practice, much like mindfulness, yoga, and meditation. The Beautiful Money practice consists of eight components designed to help you become more self-aware, mindful, and detached on a daily basis. These components create a practical framework for holistic abundance and wellness.

    3.4.1 Eight Components: - Breathe Deeply: Pay attention to your breathing to manage stress and enhance relaxation. - Start and End Each Day with Five Minutes of Seated Silence or Meditation: Sit in silence, let thoughts pass by, and observe without judgment. - Let Go of Fear, Worry, Judgment, and Tension: Acknowledge and release negative emotions to make space for abundance. - Be Open and Flexible: Recognize rigid beliefs and learn to soften them. - Nourish Your Body, Mind, and Soul with Life and Love: Focus on feeding your body and mind well. - Love Yourself and Those Around You: Treat yourself with kindness and positive energy. - Flow More, Force Less: Allow the universe to do its work and find a balance between action and allowing. - Be Thankful for All You Have and All That’s on Its Way: Practice gratitude to foster a positive outlook and attract abundance.

    3.4.2 Daily Practices - Morning Rituals: Start your day with practices like drinking water with lemon, expressing gratitude, and engaging in self-care routines. - Mindfulness: Incorporate mindfulness, yoga, and meditation into your daily routine to foster mental clarity and emotional stability. - Positive Affirmations: Use affirmations to reinforce a positive and abundant mindset. Examples include "I am worthy of wealth," "I am healthy, wealthy, and free," and "I am a magnet for money."

    3.4.3 Habits for Wealth and Wellness - Wake Up Early: Feel refreshed and inspired each morning. - Set Clear Goals: Have focused and achievable goals. - Surround Yourself with Positivity: Engage with positive people and environments. - Limit Negativity: Reduce exposure to negative news, TV, and people. - Grounding Activities: Practice grounding activities like walks, yoga, and meditation. - Financial Review: Regularly review your spending, cash flow, and income. - Healthy Living: Nourish your body with water, supplements, and healthy foods.

    3.4.4 Visualization and Meditation - Visualization: Regularly visualize your ideal life and financial goals. Create a vision board to reinforce these images. - Meditation: Develop a consistent meditation practice to enhance mental clarity and focus.

    3.4.5 Building Confidence - Face Your Fears: Acknowledge and confront your fears to build confidence. - Set Intentions: Clearly state your intentions for your financial and personal goals. - Detach from Fear: Observe your fearful thoughts without attachment. - Seek Support: Talk through your challenges with trusted friends or mentors. - Create an Action Plan: Develop a plan that includes self-care and practical steps towards your goals.

Week Two: Your Beautiful Mind

  1. Step One: Find Out Why

    • Jacobs helps readers explore their deeper motivations for wealth. Understanding the "why" behind financial goals is crucial for maintaining motivation and alignment with personal values.

    1.1 What Are Your Four Pillars?

    • Jacobs encourages readers to identify their core values, or "Four Pillars," to live authentically and align their actions with what’s most important. These pillars could include health, family, freedom, autonomy, learning, leadership, community, mindfulness, connection, integrity, peace, honesty, success, safety, openness, philanthropy, faith, global living, wisdom, and vitality. Identify your core values by answering:
      • What causes negativity, resentment, and stress?
      • What brings happiness, fulfillment, and positive energy?

    1.2 Examples:

    • Health
    • Family
    • Freedom
    • Autonomy
    • Integrity
    • Connection

  2. Step Two: Conquer Fear with Courage

    • This step addresses the fears and anxieties that often accompany financial decisions. Jacobs offers strategies to build courage and confidence in managing money.

    2.1 Awareness Is Power

    • Practicing disciplined thinking elevates mood and outlook, leading to positive financial and personal outcomes. Affirmations can rewire the brain, replacing negative beliefs with positive ones.

    2.2 Affirmations:

    • Every day, in every way, Beautiful Money is on its way.

    • Today, Beautiful Money is flowing my way.

    • I am healthy, wealthy, and free.

    • I make more money than ever before, doing what I love.

    • I am worthy of wealth.

    • I commit to excellence every day.

    • I am ready for great wealth.

    • Affirmations are a powerful way to shift your mindset and create a positive relationship with money. Here are some of Leanne Jacobs' favorite affirmations from the "Beautiful Money" course, designed to help you cultivate abundance and financial well-being:

      2.2.1 Daily Positivity and Gratitude: - "Every day, in every way, Beautiful Money is on its way." - "Today Beautiful Money is flowing my way." - "Today is a Beautiful Money day."

      2.2.2 Alignment and Purpose: - "I always align how I spend my time with what is most precious and important to me." - "I have more than enough time to get everything done. I am in no rush."

      2.2.3 Gratitude and Sleep: - "I fall asleep tonight with a deep feeling of gratitude for all I have and all that is on its way." - "Each and every night, I sleep wealthy."

      2.2.4 Health and Abundance: - "I nurture my body, mind, and soul with excellence." - "I am the most abundant and healthy state of my life." - "I am healthy, wealthy, and free."

      2.2.5 Creativity and Success: - "My creativity is the key to Beautiful Money." - "I make more money than ever before, doing what I love." - "I soar to my success by helping everyone around me soar to their success."

      2.2.6 Worthiness and Wealth: - "I am worthy of wealth." - "Life force is my money magnet." - "I commit to excellence every day." - "Love and kindness are my money magnets."

      2.2.7 Openness to Possibilities: - "I always leave myself open to new possibilities, elevated thinking, and higher levels of abundance." - "I am ready for great wealth."

      2.2.8 Daily Growth and Design: - "I get wealthier and wealthier every day." - "The more I nurture and take care of myself, the more money I make." - "I am worthy of Beautiful Money. I deserve the very best life has to offer." - "I am a master money manager."

      2.2.9 Abundance and Process: - "My natural state is beautiful abundance." - "Creating wealth is a simple process." - "I am divinely debt-free."

      2.2.10 Confidence and Power: - "I consciously design my life today." - "I am patient, kind, and powerful." - "I am a visionary. I always start with the end in mind."

      2.2.11 Clarity and Focus: - "I rid my life of chaos and make space daily for Beautiful Money." - "I am crystal clear on the few activities in my life that create Beautiful Money." - "I focus all my attention and energy on what I truly desire."

      2.2.12 Creativity and Compassion: - "My creativity, compassion, and clarity will bring me great wealth."

    • These affirmations serve as a daily reminder of your goals, values, and the abundant life you are creating. Incorporating them into your daily routine can help rewire your mindset towards positivity and financial success.

2.3 Visualization and Meditation

  • Visualizing financial goals and meditating helps maintain focus and clarity. Regularly practicing these techniques fosters a positive mindset and emotional balance.

2.3.1 Visualization Tips: - Use a vision board to craft positive thoughts. - Set aside time for relaxed, focused visualization. - Regularly cleanse physical, emotional, and mental clutter to enhance the practice.

2.3.2 Meditation Tips: - Sit with decisions and actions your intuition guides. - Clearly state intentions behind decisions. - Let go of fearful thoughts and practice detachment. - Discuss decisions with trusted individuals. - Create action plans including self-care and support systems.

  1. Step Three: Abundance Is an Inside Job
    • Jacobs emphasizes that true wealth begins within. She encourages readers to cultivate an abundant mindset and recognize that financial success is rooted in internal beliefs and attitudes.

Week Three: Become an Action Heroine

  1. Step One: Act as If (Failing Is Impossible)

    • Jacobs advocates for adopting a mindset of unwavering confidence. Acting "as if" success is guaranteed can help readers take bold, decisive actions toward their financial goals.

  2. Step Two: Prioritize Profits

    • Practical tips for maximizing income and reducing unnecessary expenses are covered here. Jacobs provides guidance on how to prioritize financial decisions that lead to increased profitability.

    2.1 Creating Beautiful Money Habits

    • Adopt these habits for financial well-being:
      • Wake up early and feel refreshed.
      • Set clear and focused goals.
      • Surround yourself with positive people.
      • Limit exposure to negativity.
      • Practice grounding activities like yoga or meditation.
      • Regularly review your spending and income.
      • Nourish your body with healthy foods.

  3. Step Three: Become Your Own Bank

    • This step focuses on financial independence. Jacobs explains how to create personal financial systems that minimize reliance on external institutions and enhance self-sufficiency.

Week Four: Design Your Destination

  1. Step One: Goal-Setting Goddess

    • Jacobs introduces advanced goal-setting techniques. She emphasizes the importance of clear, actionable, and inspiring financial goals that align with one's personal vision of success.

    1.1 Beautiful Money Map

    • Create a Beautiful Money Map to visualize your path to holistic wealth:
      • Include your desires, passions, and favorite activities.
      • Outline your current financial status and potential income streams.
      • Regularly update and reflect on your map to stay aligned with your goals.

  2. Step Two: Become a Money Magnet

    • This step explores strategies to attract wealth opportunities. Jacobs discusses the power of networking, positioning oneself for success, and leveraging personal strengths to draw in financial abundance.

    2.1 Money Monster Check

    • Regularly evaluate if you are slipping into negative money behaviors:
      • Are you losing your temper or becoming unkind?
      • Are you overspending or hoarding money?
      • Are you feeling envious or deceitful?

    2.2 Avoiding Money Monster Traits

    • To prevent becoming a "Money Monster," practice:
      • Giving more than expected.
      • Prioritizing your core values.
      • Acting with love and kindness.
      • Respecting every dollar earned.
      • Seeking ways to serve more and give more.

    2.3 Signs of a Money Monster

    • Jacobs provides a comprehensive list of questions to help individuals identify if they are slipping into "Money Monster" mode:
      • Emotional Responses: Are you losing your temper or becoming unkind to others? This indicates that money-related stress is affecting your emotional stability.
      • Scarcity Mindset: Are you starting to feel like you don’t have enough? This mindset focuses on lack rather than abundance.
      • Sacrificing Well-Being: Are you giving up well-being or family time in the pursuit of money? Overworking and neglecting personal life can be signs of an unhealthy obsession with wealth.
      • Competitiveness and Envy: Are you feeling competitive and envious? This reflects a belief that success is a zero-sum game.
      • Hoarding and Stinginess: Are you hoarding money and choosing to be less generous? These behaviors indicate fear of loss and a lack of trust in the flow of abundance.
      • Deceit and Manipulation: Are you being deceitful or putting others down to elevate yourself? This is often a defense mechanism to protect one’s financial status.
      • Overspending: Are you overspending to fill an emotional void? This can lead to financial instability and debt.
      • Superiority Complex: Are you secretly feeling that you are better than others because of your financial status? This can create a disconnect from genuine relationships.

    2.4 How to Avoid Becoming a Money Monster

    • Jacobs outlines several strategies to prevent these negative traits from taking over:
      • Give More Than Expected: Cultivate a spirit of generosity and service.
      • Prioritize Core Values: Keep your actions aligned with your fundamental beliefs.
      • Act with Love and Kindness: Treat others with respect and empathy.
      • View and Treat Others Equitably: Avoid judgments based on wealth.
      • Respect Every Dollar Earned: Appreciate the value of money and what it represents in terms of effort and energy.

    2.5 Additional Tips:

    • Seek Ways to Serve More: Focus on contributing positively to others.
    • Love Yourself First: Ensure self-care and self-respect are top priorities.
    • Trust in Abundance: Believe that there is enough wealth for everyone.
    • Stay Present and Connected: Maintain mindfulness in your daily activities.
    • Celebrate Success: Acknowledge your achievements without falling into arrogance.

    2.6 The Impact of Avoiding Money Monster Traits

    • By consciously avoiding "Money Monster" behaviors, you can create a healthier relationship with money that supports overall well-being. This approach fosters a mindset of abundance, encourages positive financial habits, and nurtures fulfilling relationships with others.
    • The "Money Monster" concept serves as a reminder that true wealth is not just about the accumulation of money but about how we manage, appreciate, and use it in our lives. By integrating these principles, you can pave the way for a balanced and prosperous future.

  3. Step Three: Authentically Holistic

    • The final step integrates all previous lessons into a cohesive, holistic approach. Jacobs encourages readers to maintain balance in all areas of life—financial, emotional, physical, and spiritual—to sustain long-term wealth and happiness. Jacobs emphasizes the importance of four key areas for achieving financial and personal success:
      • Leadership: Results, boundaries, goal-setting, time management, visionary process, action, and allowing process.
      • Leverage: Studying wealth, passive income streams, leveraging yourself, doing more with less, setting yourself up to thrive, avoiding adrenal fatigue.
      • Legacy: Tax strategies, insurance plans, investments, cash flow, wealth planning, family and kids' financial education.
      • Love: Creativity, purpose, core values, meaning, fulfillment, contribution, intuition, self-esteem, faith.

Conclusion: Sustaining Beautiful Money

  • The book concludes with insights on how to maintain and grow wealth over the long term. Jacobs emphasizes the importance of continuous learning, adaptability, and nurturing one's well-being to ensure lasting financial and personal fulfillment.
  • "Beautiful Money" offers a unique blend of financial advice and personal development, making it an essential read for anyone looking to transform their relationship with money.