Have your finances been caught in the same place for what seems like forever?  Have “3 a.m. money worries” been keeping you up at night?

Note: The live course sold out very quickly in 2011 with a waiting list, ahead of the early-bird deadline. The home study program is a very effective way to access a great deal of how the live works.

Want to read current participants’ experiences with the course?

Do you want to jump right to the price?

Do you wonder if there is a way to actually shift your money reality without betraying your values or beating yourself up?

You aren’t alone.

Small business owners everywhere are grappling with the same stomach-knotting anxieties, problems and questions long into the night: lying awake in bed, worrying about how to change the experience they’re having with money.

And while you may be working harder than ever, you don’t seem to be getting ahead like you thought you would.  The money runs out as fast as it comes in (or faster).  It gets to the point where you wonder what’s  wrong with you and why you can’t experience the financial breakthroughs that you see others enjoying.

Or maybe the money is there, but you still can’t relax and trust because deep down inside you’re afraid that the success you’ve created could unravel, taking you on a downward spiral you don’t even want to acknowledge.  (While you know in your heart that the fear is bigger than the reality, it’s got an unrelenting grip on you all the same.)

You aren’t alone. Smart people of all stripes are hoping against hope for a financial breakthrough, worried that it will never come.

Why it can be so hard to have a financial breakthrough (and what to do about it).

In a way, the deck is stacked against us because we don’t grow up with someone teaching us how to have a “right relationship” with money.  We’re just expected to know what to do, and because of the stigma attached to appearing openly confused about finances, we’re conditioned to keep it to ourselves out of fear.

In fact, money holds this almost mystical place in the world of businesstriggering your deepest fears and reactions around trust, survival, self-worth and love. These overwhelming emotions tend to produce that “deer in the headlights” response where you push through financial tasks, just hoping to survive.

Unfortunately, these fears and reactions result in you doing what you’ve done in the past, and your relationship with money doesn’t change.

What’s worse is the isolating shame that often ends up complicating the mix of emotions. You “aren’t supposed” to be afraid (this goes for both men and women) and so you try to bluff your way through. Except bluffing never, ever works.

Surprisingly, these paralyzing fears and reactions can be true whether you make five figures, six figures, or even seven figures a year. It doesn’t matter how much money you make, you still worry and struggle with the same guilt and shame at each level, asking yourself “Where in the heck is all the money going?”  You ask yourself this question but you’re terrified to ask anyone else … because what would they think of you if you revealed your heart?

And your natural reaction to avoid what scares you keeps you from finding an answer.

“I’m growing very quickly in the $$$$ arena… there is a sense of relief and more sacredness around money issues thanks to you and the group. Blessings to you forever!”

Jo Ann Hinshaw, Silver Spring, MD

Why you can’t just earn your way out of this mess.

The classic response to money worries is, “Hey, I’ll just make more money, and then I’ll be okay.” And it’s a logical enough response, especially as a business owner. If you learn what you need to learn, and you market more effectively, and you get better at sales and systems and all the things that make your business run one of two things is bound to happen:

• You start earning more money. Crazy. It actually works. Except that you find yourself spending even more, too, and your actual financial situation hasn’t changed at all, the numbers are just bigger.  (And so is the stress.)

Or…

• You don’t start earning more money. Crazier. You’re putting all these great ideas into place, and they just aren’t working.  (The stress intensifies.)

Either way, you’re giving more of your time and effort, yet that blind spot in your relationship with money causes your finances to keep circling the drain.

And that knot of fear never really goes away. It just slowly grows tighter. Ugh.

This painful cycle of stagnation and heartache will continue forever—unless you make space in your heart and your life for the solution.

The only way to stop treading water financially and end the late-night money worries is to break your isolation, and with the support of a group look squarely at your issues around money.  Once you do that, the fear you feel about asking for support and reassurance will melt away as you realize just how “normal” what you’re feeling really is.

As you connect with people who share your challenges and circumstances, you will discover love, strength, and courage in never-imagined places—such as your checkbook and bank account!

Your transformational journey to a “right relationship” with money begins with four steps.

There’s nothing truly mystical about healing your broken relationship with money.  It really all comes down to four empowering steps:

1. Inventory: An honest look at where you are now, without shame. This awareness will begin to take the weight of the world off your shoulders and give you peace.
2. Understanding: There are some basic rules about how abundance flows. When you understand them, it’s like shining the light of clarity on your financial life—you see exactly what needs to be done, unhindered by the shadows of fear and reaction.
3. Asking from true need: When we ask for help, we instinctively try to force control over what the help looks like, or we’re not open to receiving it. But when you learn to ask sincerely from true need, you get a response you can embrace.
4. Safety: When you feel safe, it’s finally possible to feel generous, grateful and open, making it easier for money to flow in and out and in again.

When these four elements come together,  you know the reality of your situation (and accept it), you gain a deep understanding of why it is the way it is, you uncover what your true needs are, and you finally feel safe enough to effectively ask for help.

Bingo! Suddenly you are making different decisions and taking different actions, and strangely enough, the results start changing, too. Crazy. I know.

I really do know. I’ve been through the money washing-machine spin cycle myself—more times than I care to admit. It used to be no matter how much (or how little) money I made, I still had that knot of fear in my belly: “Am I going to be okay? Is there enough?”

How the change finally happened for me (and what you can learn from it).

A few years ago, after what felt like the millionth time through that money-panic spin cycle, I decided that enough was enough: it was time to learn about money! Slowly, step-by-step, I read books, received healings, went into deep prayer and meditation, and talked to people who made money.

It wasn’t easy. I had to confront fears I’d carefully tucked into the shadows. Acknowledge issues I worried would embarrass me to death. And (seemingly) worst of all, I had to admit that I wasn’t as financially “together” as my outward appearance suggested.

Amazingly, it wasn’t nearly as traumatic as I imagined it would be. Scary fears withered when I brought them into the light. Instead of embarrassment, I found loving support from those who had walked, stumbling, along the same path I now traveled. And I discovered that my true friends still warmly accepted me regardless of my financial “shortcomings.”

It was an amazing, liberating and renewing experience, and I continued learning all I could about how to make peace not only with the subject of money, but also with the fears, anxieties and doubts that come along with the territory.

Then, one morning, I realized I had changed.

It had been a month since I had gone into any panic over money, despite my financial situation remaining essentially unchanged.  I wasn’t feeling better because the money situation changed; the peace and grounding I was experiencing was because of the healthy shift in mindset that I’d made.

Not coincidentally, shortly after that my financial picture began to also shift, in a very pleasant upward manner.

As time passed, I was asked to teach some spiritual students how to have the same healthy relationship with money that I was experiencing. That request sparked me to review and look deeper into everything that I had done so far and gain clarity on what had worked for me and what hadn’t.

What I learned from studying my own path brought me to those four steps you just read about – Inventory, Understanding, Asking From True Need, and Safety.  With these four steps in hand, I began to teach others how to create the same heart-centered, healing experience I had had in their own relationship with money.

It only seemed right to call this teaching the Heart of Money Transformational Journey, and over time, I have had the privilege to lead hundreds of people through this course - with consistently outstanding results emotionally and financially.

If you’re bone-weary from sleepless nights, and eager to feel the burden of money stress lifted off of your shoulders, I gratefully invite you to join us.

If you’ve wished for a financial breakthrough to end the stress and sleepless nights there’s good news:  I’ve been helping people with this for years.

When you join us in the Heart of Money Transformational Journey course, our primary focus will be on teaching you how to create four core results in your life:

• Freedom in your relationship with money
• Flow and ease in your finances
• Clarity in your financial decision-making
• Confidence that replaces the knot of fear in your belly

We take this journey by going through eight 90-minute teaching sessions spread over two months. This way you’re not overloaded and actually have time to make space in your life for what you’re learning.

In these sessions, you will journey through all four elements by way of your heart—Inventory, Understanding , Asking From True Need and Safety—learning how to make changes where they count,on the inside.

As you experience the internal changes resulting from what you’re learning, you will begin to effortlessly make right decisions about what actions to take,  leading you to see real changes in your financial reality. Why wait?

Dear Mark,

I was on the call with you just now. I can’t tell you how thrilled I am that you are leading Heart of Money Transformational Journey again. I can’t agree with you more that people’s issues with money undermine the results of their marketing and hinder the effectiveness and success of their businesses. I have seen it in myself, and it just makes sense. I loved your comments on spirituality and provision.

I would honestly go so far as to say that most people who come to you should probably be required to first take Heart of Money Transformational Journey before taking the Opening the MoneyFlow class. I have seen the difference for me in taking the Transformational Journey course–and the struggles others have had who have not taken it.

FYI, not long after I took the Transformational Journey course, my husband and I had built in our back yard two little cottages for the Reiki Center. When I started the project, I thought it might cost as little as $15,000–and I could pay it off in a few years (since I wouldn’t be paying rent anymore). Then I learned it would cost $25,000. I wasn’t happy about it, but still figured it was worth it.

By making a number of decisions that felt totally right, the cost ultimately became $50,000. Ouch! That was 2 years ago.

Funny thing is, the house and the cost of the cottages are completely paid off. We have no debt whatsoever. In this economy, it is amazing, strange, and a huge relief. The most interesting thing is that I am not anxious about being debt-free, as I have been in the past (when that had occurred). I am not spending money as soon as it comes in. I am maintaining a groundedness about money that I know comes from that class. A huge burden has been lifted, and I thank you from the bottom of my heart.

So thank you for your help–as always. It was wonderful hearing you talk again today–and being reminded of the key points in your work. Good reminders for me, as I continue to play and work in my business. And, again, I am thrilled beyond words that you are teaching The Heart of Money Transformational Journey again.

With love and many blessings to you and to Holly,

Siddheshwari Sullivan

Reiki Center of the East Bay

“The second class alone has created profound changes in me–I’ve never felt this sense of calm and safety in my life. And it’s lasted for a year now!” John, Chicago, IL

The biggest results I want to see you get are:

• Freedom in your relationship with money.
• Abundance and ease in your finances.
• Clarity in your financial decision-making.
• Confidence that replaces the knot of fear in your belly.

“In one hour I worked through ten years of money issues–the freedom is wonderful!” Jannah, Atlanta, GA

Here’s what you’ll be learning in these eight heart-centered, immediately practical teaching sessions.

In the first session, before you can talk about positive change, you have to gain clarity about what’s really going on in your finances. To tap into the resources that will start moving you forward, this class opens the journey by helping you understand your current situation and how to take your first step forward.

In this session, you’ll:

• Discover why “starting where you are” isn’t the first step to healing (and what is).
• Start improving your emotional and spiritual relationship with money right now, even before any financial changes happen.
• Identify the thoughts that cause “reckless spending” and dissolve them forever.
• Learn why less money can actually mean more happiness for you (what a relief!).
• Understand the deeper spiritual reality that controls your anxieties about abundance.
• Take your first concrete steps toward a healthier relationship with money.

Once you learn how to begin loosening money’s control over your heart, you can see things more clearly (perhaps for the first time, ever).  As you gain clarity, understanding and empowering awareness, you’ll begin to experience immediate, positive shifts in your emotional reactions to money and finances.  And then you’ll be ready for …

The second session: I often hear people say, “I just need to be okay receiving more.” Or, conversely, “I’m reaching for everything I can, but I can’t hold on to it!”

In this class, we look at how money, and everything else, moves toward us and away from us. Taking and receiving are both appropriate, and inappropriate, at different times. You’ll discover the difference between these two modes of energetic flow (and two other important ones) so you can guide yourself into the right mode at the right time.

In this session, you’ll:

• Find out why being proactive about earning more can actually stifle your finances.
• Uncover your struggles around Giving and Receiving, and learn how to embrace both.
• Use simple, graceful physical movements to help support your spiritual connection to flow.
• Dissolve feelings of helplessness by learning how to access “hidden” support around you.
• Develop a personal grounding process that helps relieve the stress of challenging financial situations.

As you become more skilled at shifting into each of the four modes, you’ll experience a more natural connection with the flow of abundance around you.  Your notions of scarcity and helplessness will give way to a more centered understanding of how money moves in reality, and you’ll be ready to take the next step …

The third session – and the fourth – are the compassionate cure for our inner ostrich! We begin to gently – with support – help you take your head out of the sand, so you can come into right relationship with your finances as they are right now.

You’ll discover that accounting is simply being “polite” with what you’ve been given, and just how refreshing it can be to get a clear sense of what resources you have available to you.

In this session, you’ll:

• Work through the resistance you feel about taking an accurate look at your finances.
• Find hidden “rough spots” in what you own so you can smooth it out and enjoy knowing you have more than you think.
• Understand why financial success can be disorienting (and how to keep your balance).
• Learn to have a healthier (even nourishing!) relationship with your assets.
• Develop a centering, empowering sense of gratitude that supports a healthy relationship with money.

Many students have discovered sessions three and four to be the most liberating classes of the series.  As you learn to appreciate your assets, you’ll also discover that it doesn’t have to be scary to flow into the next topic …

In the fourth session facing your liabilities can be a humbling experience, but it doesn’t have to be painful or frightening. Instead of going into denial over your debt, you’ll learn how much more you can accomplish when you have your eyes wide open.

In this session, you’ll:

• Learn to see liabilities as simple commitments, which you have the power to change and manage.
• Discover how to begin dissolving the tension and fear that surrounds debt.
• Experience the enormous sense of relief in healing the ‘catch points’ in your liabilities, instead of thinking the whole thing is just a mess.
• Clearly understand the next steps you need to take to manage these commitments.
• Establish a position of strength that will allow you to “keep honest” about your liabilities in the future.

Developing an honest financial snapshot—assets and liabilities alike – can seem like an incredibly uncomfortable proposition. You’ll discover it’s not nearly as bad as you think, takes less time than you might imagine, and gives you an incomparable sense of peace and strength that shifts your entire relationship with money (for the better!).

Once you’ve created that financial snapshot, you’ll be ready for the next step …

In session five we face that truth that we all carry debt. Sometimes it is financial: money owed others. Sometimes it’s the extreme financial contortions we go into to avoid debt. And sometimes we owe no financial debt, yet feel we owe others our time.

We all have issues with the weight of our commitments. This class lightens the load on your heart, which clears the path to finally living debt-free, in all aspects of your life.

In this session, you’ll:

• Learn why avoiding debt can actually cause more stress than using it wisely.
• How to break the unhelpful spiritual orientation of debt as “slave master.”
• Discover two types of debt you need to start paying to erase your stress (hint: they have nothing to do with money).
• Uncover the unspoken assumptions you have about debt and begin getting free from them.
• Find out how to break the cycle of compulsive spending.

When you understand the emotions that shape your view of what debt truly represents, you can finally begin to loosen the shackles of worry that weigh your heart down. In fact, you’ll discover that those shackles were never truly locked in the first place, and you can begin experiencing that emotional freedom immediately.

Next, you’ll be ready for …

Session six: It’s just impossible to take anything in if you are always on the lookout for threats. This class works to create a deep sense of safety in your heart and your belly, so that you don’t sabotage abundance when it comes toward you.

In this session, you’ll:

• Learn why your current definition of “safety” may block you from receiving abundance.
• Discover why fear is really a sign of thirst (and how to quench it).
• Uncover the warning flags that signal you’re about to push abundance away.
• Practice an ancient and effortless Sufi approach to create safety around you, that works immediately even if the things you fear haven’t gone away.
• Define the next steps you can take right now to open yourself up to abundance.

This session’s exercises will surprise you (pleasantly, I promise) and help you gain a deeper understanding of how to create and maintain an abiding sense of safety throughout your day.  As you allow the stress to slide off of your shoulders, you’ll be ready for the next lesson …

Now for session seven. You’ve spent the earlier classes clearing a lot out of your way.In this class we look at an ancient spiritual approach to abundance that is based in acceptance of our human state of neediness.

No more acting “as if.” You’ll discover that you can be fully who you are in all of your imperfection and still be moved into abundance. This is the spiritual key to success taught on most paths, and yet it’s also one of the more challenging to access without support.

In this session, you’ll:

• Discover why making time for your neediness is the doorway to abundance.
• Learn to avoid making decisions that produce unfulfilling results.
• Make positive shifts in your personal definition of “what you truly need.”
• Find out how to become comfortable (and even grateful) for your neediness.
• Break the pattern of waiting until you hit rock bottom before asking for help.

If you are only willing to come to terms with the empowering nature of fully-understood neediness, you will discover yourself walking in greater and greater abundance.

Which leads us into the final steps of your transformational journey …

Session eight! You will travel far, very quickly. In this final class you acknowledge and integrate everything you’ve learned, and then create support systems moving forward so you don’t backslide. Welcome to your new financial reality!

In this session, you’ll:

• Energize yourself by integrating the progress you’ve made so far.

• Fully close the door on the tensions and anxieties of the past.
• Protect yourself from the dangers of comparing yourself to others.
• Define the empowering next actions that will preserve your momentum.

This session will help you look into the comforting spaciousness that’s opened up in your heart and say, “What a nice place—I think I’ll move in.”

By this time, if you’re like scores of previous participants you will have discovered many things about yourself and your finances that you had never dreamed of before. You may find that you have discovered a sense of freedom, even if your real situation doesn’t yet match what you would like to see.

Okay, so here’s what you get in the Home Study:

Recordings of eight 90 min classes in mp3 format.

Each class was recorded with fairly high-tech equipment, which means that my voice, as the teacher, was recorded directly with a high-quality microphone, not through the telephone line.

Plus, we always divide our audio up into tracks, with ID3 labels, which means that you won’t have big, honkin’ 90-minute audios, but instead a series of shorter 5-20 minute tracks that show up properly labeled when imported into iTunes or other mp3 players.

You’ll be able to download the mp3s yourself immediately, and we’ll also be shipping you a CD that has all of the mp3s on it, along with other materials.

Workbook of Teachings and Exercises

All the teachings from the class are written up extensively in a an attractive, spiral-bound, full-color workbook. Easy to read, and work through, you will have everything you need right there, including the worksheets. And you won’t have to mess up your workbook, because you’ll have pdf files of the worksheets print out as needed.

Questions and Answers

The juice of every class is in the questions that come up. When we recorded the course used for the home study, I received over 170 questions from the participants.

For every question I received I wrote up an answer to, since there wasn’t time to answer all of them in the class itself. The answers are organized by class, so if you have a question come up while working through the material, you can probably find my response in these Q&As.

Bonuses

Premium Bonus:

Partnering!

How to get the most out of working with partners, without driving each other crazy.

Two things are true–money issues can be really hard to face alone and working with a buddy can be exasperating and worse than useless.

I wrote a guidebook to support you when partnering with others to work through the material. Having a buddy or friend can make working with these materials so much easier, and this guide will help ensure success with the process.

Premium Bonus:

Pay Yourself First!

Bonus class and workbook

Everyone tells you to Pay Yourself First, but when your money flow is erratic, doesn’t cover your monthly expenses, or both, how can you?

It’s not just about how, but it’s also about helping your heart understand the deeper wisdom beneath the structures of paying yourself first. Both the audio class and the workbook are included.

Premium Bonus: Individual Healing Session

Sometimes you need or want one-on-one individual support, guidance and coaching. Have something particularly stuck? Want focused attention just on you? Want to go beyond the exercises into other territory around your business or money issues? An individual session may be just the remedy.

Our two practitioners, Yollana Shore and Jason Stein, can care for your heart, help with your business and financial healing process, all while providing practical guidance and coaching. There are a limited number of these premium individual sessions. And yes, people have been known to go on and work with Jason or Yollana in our Organic Business Development Program afterwards.

“I was in fear before the Heart of Money course…”

“I was in fear before the Heart of Money course over how to handle the tsunamis of new challenges and opportunities in my business.

I finished the program reborn in my relationship with money and business. I developed a new way of being of surrendering, openness to the ‘hand of God,’ living in the moment and peaceful, actively focused.

“My life and business, as well as the difference I am able to make with others, have leaped to a sustainable, new level that I had previously not thought was possible.

“My business and personal income have more than doubled in three months. Thank you!”

Troy King
www.success-by-design.com
Vancouver, BC, Canada

So here it is:

What’s Included	Core Class	Premium
The Course ItselfThe edited and easy-to-listen to, high-quality recordings of all eight classes. Both downloadable, and you receive a CD with all mp3 and pdf files.
All Teachings and ExercisesThe full-color, printed, spiral-bound workbook, with all teachings and exercises.
Questions and Answers!The answers to all questions we received during the class. Dozens and dozens of questions on all kinds of topics. If you have a question, chances are someone asked it, and I answered it.
Partnering! GuidebookSo you can effectively work with buddies and colleagues, not just in this course, but in any process-oriented work together.
Pay Yourself First Audio Class and Workbook!The hardest and most necessary step: Paying Yourself First. Includes both the audio class and the workbook.
Premium Support Session with Jason or Yollana.For individual attention and support, you can sign up for one of these sessions with one of our Heart of Business practitioners. There are a limited number, so if you want this level of support, don’t hesitate.
PriceWe’ll be shipping the full color workbook, and the accompanying CD with mp3 and pdf files, so you don’t have to download that much material if you don’t want to.	US $395 click to order plus $15 priority shipping anywhere in the world.	US $550 click to order plus $15 priority shipping anywhere in the world.
Want to pay in two payments?
Just use these buttons instead.	US $197.50 click to order plus $15 shipping, second $197.50 payment in 30 days.	US $225 click to order plus $15 shipping, second $275 payment in 30 days.

Jump back to the top so you can see what it’s all about.

Our Backwards and Forwards Guarantee

We really hate receiving money from people when they aren’t happy with what they get. So we’re offering you a Backwards and Forwards Guarantee-

If, after you have the home study in your possession, you aren’t happy with it for any reason whatsoever, then:

1. We will pay you Backwards. Ask, and we’ll refund 100% of the money you paid for the home study.
2. You pay it Forwards. On your honor, we’ll ask you to then pass the home study on to a friend, colleague, organization, distant relative, whomever–someone you think might like and use the book to their benefit.

Nothing’s simpler. You get your money back, and you get to be generous with someone, which always feels good. Plus, if you let me know what you didn’t like about it, I’ll give you a recommendation for a book, author, website, or other resource that might suit you much better.

I’m really wanting you to get the help you need, no matter where it comes from.

best to you, and your business,

Mark Silver

Still On The Fence?

Ask us any question at all. We promise we don’t do hard sell. We just want to make sure you feel you can approach us to ask questions.

NOTE: Please mention “Heart of Money Homestudy” in your question, so we know which product you are asking about.

“I can’t begin to thank you enough for your support through my dark night of the soul. My business has been so much more fun and at least three times more profitable by putting love first. I would like to continue working with you, because your work is so valuable to me.”

Terri C, Washington