The Wealthy Spirit Insider

    The Day of My Enlightenment

    Posted on January 31st, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    31 – January 31

    “I walked for miles at night along the beach, composing bad blank verse and searching endlessly for someone wonderful who would step out of the darkness and change my life. It never crossed my mind that that person could be me.”—Anna Quindlen


    The world and reality shifted for me on an excruciatingly awful day, a culmination of many awful days. I was a young actress in the fifth year of marriage to a brilliant young actor. We had little money and the stresses of two creative artists trying to succeed in a difficult business made our relationship a cauldron of roiling emotions. With each failed audition, his rages and my fear intensified. I had no tools for dealing with anger; in my family, if you got angry, you were sent to your room to cool off until you could be nice again. I had never seen anyone put a fist through a door, or throw a chair across a room. In shocked silence, I waited for the anger to subside. We were both frozen in our positions, and neither of us knew how to reach the other.

    On this particular day, I sat in a rocking chair in our home, miserably reviewing my messed-up life. My husband was out of town, performing in a play. I noticed that a lot of my unhappiness went with him, and the distance between us gave me the courage I needed to fight back when the telephone rages started. Finally in touch with my own anger, I rocked in my chair, raging and blaming him for my life. Rock, rock, blame, blame. I was the martyr, the good one, the oppressed. Rock, rock. He was the bad guy, the perpetrator, the oppressor. Blame, rock.

    I sat and rocked, rocked and blamed, blamed and cried all afternoon.

    All of a sudden, a voice from out of nowhere spoke in my ear three words that changed my life: “You picked him.”

    Thunderbolt! Electrified, my breath caught in my throat, my next blame dying in my mind, I froze in my chair. “I did!” I answered the voice, “I picked him! No one chained me to him at birth, no one told me I had to live this way, I chose it!” I was horrified at what I had done—not at what he had done, but what I had done! “And I continue to choose this every day that I stay here,” my thoughts progressed. “How did I choose this? And how can I get out of it and choose something else?”

    When I went in search of answers to that question, I took back control over my life and my destiny. A different woman got up out of that rocking chair. You can’t blame a shark for eating a tuna—it’s your responsibility not to be a tuna! My husband and I divorced, but I bless him and bless every difficult experience because it was what I needed to bring me to this point of realization and enlightenment.

    What have you chosen in your life that it’s time to change?

    Today’s Affirmation: “I create a wonderful, fulfilling life for myself and help others do the same!”


    Looking back, I can say that this truthfully was one of the biggest realizations of my life – that I create my own reality, and that I am responsible for my life. Things didn’t “happen” to me – I moved towards and away from things based on my knowledge and understanding at the time. But whether the experience was negative or positive – everything contributed to my growth.

    When I got out of that rocking chair that fateful day, I went straight to the library. I went looking for information on how I had created the life I was currently leading, and what steps I needed to take to live a different (better) life. I remember stopping at the philosophy, religion, and psychology sections and taking home books from each. The library limit was ten books, and I took ten. When I finished those, I went back for ten more…

    The most significant book was given to me by my sister, Jane. It was called There is a River by Thomas Sugrue and was a biography of Edgar Cayce (1877-1945). He was known as “The Sleeping Prophet” because he did readings while in a kind of sleep or trance state.

    The book started off rather slowly, as biographies often do, and I didn’t give it much weight. Cayce seemed a nice enough Christian Southern gentleman, a photographer by trade, but had an interesting psychic ability to “read” a person and know what was ailing them physically.

    I read the book slowly. But my sister kept calling every couple of days to see if I had finished it yet. I understood why when I got to the middle of the book. Cayce had been giving medical readings for neighbors for years when finally a philosopher came for a reading and asked about God, religion, metaphysics, and the purpose of life. Cayce spoke of reincarnation and the continuation of our lives after death and rebirth as a cycle of our soul’s growth and education.

    That was electrifying to me. I finished the book that night. I called Jane the next morning and we went to hear a lecture on Cayce at her church that weekend. We joined a study group and began a life-long investigation of different avenues of religious thought, metaphysics, and philosophy. I liked that the Cayce study group books were called “Search for God” instead of “We-Found-God-and-You’d-Better-Believe-as-We-Believe”. Nobody flipped out if you had a question, or disbelieved a portion of the philosophy. You were accepted at whatever level of growth you were at, and encouraged to learn further.

    Wikipedia reports that Cayce repeatedly stressed the choice of an ideal as the foundation of the spiritual path. “And O that all would realize… that what we are… is the result of what we have done about the ideals we have set” (1549-1). We may choose any ideal we feel drawn to. As we attempt to apply it in our lives, God will guide us further, perhaps inspiring us to revise our choice of ideal.

    In 2009, Jane and I went to a weekend seminar at Edgar Cayce’s foundation headquarters, The Association for Research and Enlightenment in Virginia Beach, Virginia. It was wonderful to see it and some of the 14,000 readings – it’s the largest archive of a psychic’s readings anywhere.

    Cayce often invoked these three terms, or their equivalents, to describe the human condition. “Spirit is the life. Mind is the builder. Physical is the result.”

    Mind is the builder. What you focus on is what you create. Sounds just like “The Secret” doesn’t it?

    The City Girl and the Farmer’s Wife

    Posted on January 30th, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    30 – January 30

    “The hardest arithmetic to master is that which enables us to count our blessings.”—Eric Hoffer


    I’m a city girl. Born and bred in suburbia, visits to the country were visits to another planet—rare and alien. Then I met Stan, who was raised on a farm in Montana. As our relationship progressed, he suggested a visit to the farm to visit his parents.

    I was not his parents’ vision of the perfect woman for their son: Six years his senior, an actress in Hollywood, and divorced. I had never been on a farm. It was with some trepidation that I agreed to go—and they agreed to have me.

    “Big Sky Country” they call it. Montana’s sky is vast, blue, and sometimes thunder cloud-filled, where eagles sweep through craggy mountain passes and geese honk in V-formation flight squadrons. My heart drank in Nature as I bent to drink from pristine snowy waters. My soul roamed among the billions of stars that filled the night canopy, completely visible at last, away from the garish lights that keep cities skies small. I loved it.

    I loved fishing in the lake for perch and sunfish, after digging for fish-hook night crawlers just before dawn. I gloated over my catch and laughingly reeled in fish after fish, blissfully unaware of the “you catch ‘em, you clean ‘em” rule. I loved collecting the eggs from underneath the hens, milking the cow, and then eating the fruit of our labors at meal-time. It was haying season, and Stan worked with his father and brothers in the fields. His mother, Mae, his sisters, and I took our turns driving the tractor and cooking (all that fish!). I left my fancy clothes in my unpacked suitcase and wore denim every day. No fancy cars, no TV, no makeup, no angst; worry was only for whether or not you’d get the hay baled before the rain fell.

    One morning after breakfast, when Mae and I had finished the dishes and the men had gone out to the hay fields, Mae said she was going birding. “Could I come along?” I asked. Surprised, Mae said hesitantly, “You want to come?” Yes, I nodded and she said okay. That’s when I developed a life-long fascination with sneaking up on our feathered friends and watching them, collecting the names of different species I had seen for my “life list.” We saw bald eagles, evening grosbeaks, hairy and downy woodpeckers, marsh hawks, Canadian geese, and dozens of ducks. We went birding down by the river every morning. I had bought my own field guide and binoculars by the end of the week. When the time came to head for home, I lamented that there were no birds in the suburbs of Los Angeles except sparrows and pigeons (oops, I mean “rock doves”; no respecting birder calls them pigeons). “Take another look,” Mae said with a twinkle in her eye. “There are more birds there than you think.” Of course she was right. I just hadn’t been looking.

    Mae and I started writing to each other with tales of our different lives, the city girl and the farmer’s wife. As Stan and I fell out of love, Mae and I fell in. When Stan and I broke up, she called me with tears in her voice and said, “I’m not just Stan’s mother. I’m your friend.” And so, although Stan and I lost touch with each other, Mae and I never did. It’s been twenty years now. We still write. I sometimes think I just met Stan in order to meet Mae.

    Life presents us with many gifts—they’re just not always the ones we think we’re looking at.

    Remember to be grateful for your surprise packages. You might find a dolphin in a lake.

    Today’s Affirmation: “I gratefully receive and enjoy life’s surprise packages!”


    Let’s see now, it’s been over thirty years now, and I still have fun birding* whenever I am outdoors. Although Mae passed from this experience several years ago, I still think of her fondly and thank her for sharing her wonderful hobby with me. Last year, as I said goodbye to my dad after seeing The Social Network, I saw a little hummingbird buzz around the tree outside his front door. I pointed it out to dad and we stopped to watch it for a moment – then laughed delightedly as it landed and sat on its tiny nest!

    Birding is a great activity to get you involved in nature. Birds are everywhere, some of them are incredibly colorful, and they all have distinct behaviors and calls. I love my Field Guide to the Birds of North America published by the National Geographic Society that I use daily here at home, but when I travel, I get the field guide to wherever it is I’m off to – Southeast Asia, Europe, Mexico, etc. It’s pretty  cheap as hobbies go, too, unless you become one of those fanatical types that flies all over the world just to see a rare bird they haven’t seen before.

    One vacation I jetted off to Club Med Cancun with a girlfriend named Janice. The fun started right on the plane – everyone was hooting and hollering and getting rowdy already. They had to shut down bar service because the toilets got too full! True story.

    In between all the partying, swimming, snorkeling, there were side trips to Tulum and Chichen Izta. I saw the most beautiful bird of all at the Well of Sacrifice there – the Turquoise-Browed MotMot (yes, birds do have some funny names, don’t they?)

    But the highlight was the boat trip to Isla Mujeres – Bird Island. Oh, I had to go there!

    So early one morning, I joined a group ship-bound to the island. We divided up into smaller groups in small motorboats that each circled the island with a guide. Happily taking my Field Guide to Mexican Birds by Roger Tory Peterson and my binoculars with me, I drank in the sight of hundreds of birds roosting on the island and waited for the guide to identify them.

    Oops. He called the Least Grebe a Cormorant, the Little Blue Heron was misidentified as an Egret, and he couldn’t tell a tern from a gull. Clearly, he was a terrific skipper as a boat but not so good as a bird guide.

    I was sitting near him, so I started showing him in the book and pointing out the birds, and he’d alert the people on the boat with the microphone, but after awhile he just gave me the microphone and I had a ball being the tour guide for the rest of the trip. I spotted my first Brown Booby and Collared Plover which I proudly added to my Life List (birders keep a running list of every new bird they see, where it was first spotted, date, weather, etc. I saw these on 7-16-85).

    Later during the week, I was walking along the beach looking at shore birds, and a man came running up to me.

    “You’re her!” he exclaimed, “I’ve heard about you!”

    “You have?” I asked quizzically.

    “Yes,” he replied. “You’re the Bird Lady of Cancun!”

    I treasure that.

    *Secret Code Alert:

    Audubon Society members call themselves “birders” and bird-watching “birding”. I didn’t explain that on this page, I just used the terms so that all the birders and Audubon Society members would know that I’m not just talking about watching birds, but I am seriously “one of them”. It’s fun to use some insider terms so that your inner group knows you’re one of them. I do things like that throughout the book, so in this blog, I will alert you to them when I do.

    Are any of you reading this birders? Say hi!


    Posted on January 29th, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    29 – January 29

    “Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great.”—Mark Twain


    A bright, talented attorney in my workshop was having a terrible time. John had been hired by a client who was giving him many headaches. Nothing was ever good enough, fast enough, or cheap enough. He told the story in great detail one class session, looking for ideas and creative help from the group on how he could turn around this situation.

    As he started describing the details of the interaction with this terrible client, I drew a red flag on the white board. He continued his impassioned, anxious narrative. I drew some waves under the red flag. He described the next problem. I drew a shark fin amongst the waves. He went on. I drew “Doo-doo-doo-doo” under the waves. He kept going. Then the whole class, as one voice, started singing the theme music from Jaws. He burst out laughing. He said, “Okay, I get it. He’s a shark, he’s not a dolphin, and there isn’t anything I can do with him but send him on his way.”

    The class cheered.

    Do you want to work and not get paid? Or not work and not get paid? You don’t have to work for the crazy client or the rage-aholic boss. Who told you that you had to make the best of a bad situation? Get out! Go swimming in a different ocean with better fish. You don’t have to put up with bad behavior from anyone. You don’t have to pay any more dues.

    Today’s Affirmation: “All my dues are paid in full.”


    “Hi!  Welcome to our networking group,” I said to the guest, a tall gentleman in a business suit who had introduced himself as a financial planner.  “I’m glad you could join us this morning.”

    “Thank you,” he replied with a smile.

    He should have stopped there.  Instead, he said, “I’m glad they had a breakfast to attend instead of those dinners—they are way too expensive!”

    I was thinking to myself, wow, he’s a financial planner and he thinks the dinner is too expensive?  I said, “Well, yes, the dinners aren’t cheap, but it doesn’t matter—think of all the business leads you will get.  That more than makes up for the price of the dinner…”

    He was shaking his head before I finished speaking.  He wasn’t having any of it.

    “They’re marking up the price of the dinner a lot and they must be making a fortune.  I don’t want to be contributing to the profit of the organization!”

    Okay, let’s add this up.  He’s either worried about money (Tuna) or doesn’t want to spend any (Shark), and he doesn’t want anyone else to make a profit from his payment (Shark).  This man was off my referral list in a heartbeat.  I want to work with people who are happy to pay premium prices for good value, and happy that other people are making a good living around him.

    Some of you may read this story and think, “What a great money manager!  He’s careful with his money and I’d like someone like that working with me.”  But I operate from a different premise:  I want everyone around me to spend money with joy, happily blessing others with their contribution, and receiving the valuable service or product they paid for with equal blessing.  It’s called sharing.  Any other attitude comes from a belief that money is scarce and fear there won’t be enough.  This man’s attitude told me that, if we did business together, he would be looking out for himself first above all, and me second if at all.  That doesn’t make me feel comfortable about giving him my money to manage—how about you?

    Wouldn’t you like your clients to pay you happily, with praise for a job well-done, rather than pay begrudgingly or complaining that it cost too much or wasn’t good enough?  Then do the same in your own life.  Pay for every product or service with joy and praise—or don’t buy it.  Pay the light bill with appreciation for Thomas Edison and the electric company that keeps your lights and computer working.  Pay for gasoline with gratitude that there are people in the world whose job it is to make available the stuff that makes your car go.  Bless every dollar out as much as you bless every dollar in.  The money goes out anyway—why not send it out joyfully instead of resentfully?

    Dolphins are fond of tithing, donating to charity, and contributing to those in need.  That is great.  But they also know that every dollar you spend is a blessing to someone and a contribution to people who are working, providing some product or service to make your life better and easier.  Buy a piece of jewelry or a painting or a hand-knit scarf at a crafts fair and see how the seller lights up.  They are just as happy to make a sale as you are.  It’s a contribution!  Yes, yes, keep within your budget, but then enjoy every dollar you spend.  You will increase the flow of money into your own life when you do.

    Sharks can afford to pay you, but they don’t want to.  Sharks want to rip you off.  I once knew a businessman who never felt a negotiation had gone well unless the other party to the transaction was hurting.  You know you’ve been with a Shark when your bank account is empty and you are in pain, hurt, abused, embarrassed, unhappy, or destitute.

    Other People

    Posted on January 28th, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    28 – January 28

    “If you don’t make a total commitment to whatever you’re doing, then you start looking to bail out the first time the boat starts leaking. It’s tough enough getting that boat to shore with everybody rowing, let alone when a guy stands up and starts putting his life jacket on.”—Lou Holtz


    A friend sent Lillian to me. We met for lunch and had a good discussion of her goals and desires. She thought my course would help her and enrolled. As we stood up to leave the restaurant, I offered her some affirmations to get her started, beginning with “People love to give me money.”

    Her face fell. “I don’t believe in affirmations!” she exclaimed.

    Uh, oh, I thought. “Would you be willing to put aside your disbelief for the eight weeks of the class and give it a try anyway?” I asked.

    “Well, I guess so…” she replied reluctantly.

    Lillian called to argue with me after the first class and I coached her to put aside her “Yeah, buts.” Second class, same story. After the third class, she called again. “I’m not coming back,” she said, “I’ve thought about it and this class just doesn’t work for me.”

    I said, “Okay.”

    She laughed at that. “Okay?” she asked. “You mean you’re not going to argue with me?”

    I said, “Nope.”

    “But I have all my arguments prepared!” she exclaimed.

    “I’m sure you do,” I answered. “But we don’t need to go there. If after three classes, you don’t think this workshop is what you need, then it isn’t.”

    She offered to pay for the classes she attended, but I refused. Pay for what? She didn’t get it and wasn’t using it. She thanked me and we wished each other well on our separate journeys.

    You are only looking for Your People. They have Your Money. They will love you and pay you. Other People won’t understand you and usually won’t pay you either. Why fight to try to get them, keep them, teach them what they resist learning? They don’t want what you have. Move on.

    Today’s Affirmation: “There is plenty of money in this world and I’m receiving mine today!”


    “Your People” will like you immediately no matter what you do. “Not Your People” won’t like you no matter what you do.

    It took me a long time to figure this out. I was stuck in the “Good Girl Box” and thought I had to have 100% of people like me. (Like that’s even possible for anyone.) But I thought that if someone didn’t like me, there must be something I could do to change their mind.

    Give it up. Give it up now, forever. What a waste of time, trying to please the unpleaseable! Much too frustrating. And impossible. Can you think of anyone – any celebrity, religious figure, singer, saint – that everyone on the planet thinks is terrific?


    Not Jesus, not Mother Theresa, not Frank Sinatra, not the cast of Glee, not Taylor Swift. Name anyone or anything. President Obama? Nope.  Certainly not anyone in politics.

    So why are you trying to please everybody?

    My life became so much simpler when I just gave up on everyone who didn’t like me. It’s really fine, you see, because there are a lot of people in the world and I can find a nice group of friendly dolphins who really like me! And that makes me a lot happier than trying to please a lot of people who just aren’t My People.

    Who would you like to let go of today?

    Your People

    Posted on January 27th, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    27 – January 27

    “About all you can do in life is be who you are. Some people will love you for you. Most will love you for what you can do for them, and some won’t like you at all.”—Rita Mae Brown


    As I’ve gone through life, I’ve been greatly influenced by wonderful self-help books by marvelous teachers, giving me life lessons in moments of illumination. One such moment came from a passage in Wayne Dyer’s book Your Erroneous Zones, where he reminds us that half of the people in the world aren’t going to like you, and there’s nothing you can do about it.

    My People: Bobbi & Shelley in Greece

    I was shocked. It was definitely an “Aha!” moment. I had been raised to be a good girl, a people-pleaser, always trying to make sure everyone around me was happy and that I didn’t offend anyone with any statement or act. What an impossible task! Doomed to failure and making me nervous and unhappy when I couldn’t please everyone. I was one of those people who would go to a party, find ninety-nine people out of one hundred liked me, but follow around the one who didn’t, trying to change their mind.

    How much money is lost in life by people chasing people who don’t like them, trying to make them happy? It can be a boss, a client, or a family member. This person clearly isn’t one of Your People. Let them go! You will never please them, satisfy them or measure up to their vision of how you ought to be. You’ll make yourself crazy spending any time or effort on them…

    (continued on page 27 of The Wealthy Spirit)

    Today’s Affirmation: “All My People praise me and pay me!”


    You know who your people are – their faces light up when they see you. Don’t you love that?

    You can tell who they are when you call them, too. I was making Gold Calls on my Gold Phone the other day and two calls really stuck out in my mind.

    Call number one:

    “Hi, this is Chellie,” I said when the woman answered the phone.

    “Yes?” she said flatly.

    Thinking she didn’t remember me, I said, “I spoke at the meeting last month – I’m the author of The Wealthy Spirit…”

    “I know who you are,” she broke in flatly. Then silence.

    Eew. I could just tell by the tone of her voice that she wasn’t delighted to hear from me. So I just briefly explained that I had a class coming up and would she be interested in receiving some information about it? No, thanks, and we were done.

    Call number two:

    “Hi, this is Chellie,” I said again.

    “Oh, my goodness, really? I am so delighted to hear from you!” she bubbled. “I am so glad you called!”

    Ah, isn’t that just what you want to hear? The door was open for a wonderful conversation, and yes, she is interested in my class, too.

    How long does it take you to figure out if someone is happy you called or not?

    Why Swim with Sharks When You Can Swim with Dolphins?

    Posted on January 26th, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    26 – January 26

    “Why do some people always see beautiful skies and grass and lovely flowers and incredible human beings, while others are hard-pressed to find anything or any place that is beautiful?”—Leo Buscaglia


    There are three kinds of fish in the sea: Dolphins, Sharks and Tuna.

    Dolphins are wonderful creatures: intelligent, happy, and playful. They communicate; they swim in schools. They’ve been known to ward off a shark attack and protect the other fish. They are fun-loving and beautiful, arcing in graceful leaps over the waves.

    Sharks are eating machines. It’s not their fault; they were born that way. But their job is to eat you. If you find yourself in the water with a shark, put your shark fin on or get out of the water. It’s very difficult for a dolphin to act like a shark, and you’ll never be as good at it as a real shark, so I recommend getting out of the water.

    Tuna fish are food. They don’t know that the blood in the water is their own. They think everything that happens to them is somebody else’s fault. They take no responsibility for their choices. It’s like there are three kinds of people: the people that make things happen, the people that watch things happen, and the people who say, “What happened?” (Those are the tuna.)

    Sharks will steal your money and tuna will leech money from you. Real money is made when you have dolphins on your team.

    Who are the fish in your sea?

    Today’s Affirmation: “I now attract people who reflect my highest good!”


    In my book, Zero to Zillionaire, I further outlined two kinds of sharks and two kinds of tuna. See if you recognize any of these in your life:

    There are two kinds of Sharks:  Angry Sharks and Con-Artist Sharks.

    1.      Angry Sharks are completely self-obsessed.  They have no real empathy for other people—they just can’t tell that you have thoughts and feelings just like they do.  They see you as only one thing—food.  They are angry with life and the world and are going to take it out on you.   These sharks tend to scream and yell and throw tantrums in order to get their way.  They will tell you everything that’s wrong with you if you give them an opportunity—like if you say, “Hello.”  They are powered by rage and it is fearsome to behold.  They rip you apart right away.

    2.      Con-Artist Sharks are Sharks in Dolphin’s Clothing.  They pretend to be your friend and imitate Dolphin behavior in order to get close to you.  There’s no such thing as an obnoxious con-artist.  They have charisma, a hail-fellow-well-met bonhomie, and a ready smile.  But look in their eyes—there’s nothing there but calculation.  They are running numbers, figuring what you are worth and how they can take advantage of you.  They come to you with offers that sound so fabulous!  You suspect maybe they’re too good to be true, but what if it really is your lucky day at last and this is a fabulous opportunity for you to get rich??  So you throw your skepticism into Davey Jones’ Locker and board their Pirate Ship to search for the treasure.  But you’re the treasure and now they’ve got you walking the plank into their jaws.  They are your best buddy—until they slowly rip you apart.

    After you’ve been swimming in Shark-infested waters, you feel hurt, wounded, and betrayed.  You are suffering, bleeding, crying—and usually, you are broke, too.

    Sharks don’t want to pay you.  They want all the money for themselves.

    Tuna come in two species:  Angry Tuna and Timid Tuna.

    1.      Angry Tuna are the “Ain’t It Awful” people who complain endlessly about everything.  They never do anything about anything, mind you, they just whine and complain.  “Life is Unfair” and “What’s the Use” are their mottos.  Angry Tuna will hurt you almost as badly as a Shark will, but they will do it through passive-aggressive behavior.  Their inaction will cost you the contract, cost you a friendship, cost you a fortune.  And they will get huffy if you say anything to them about it, because They Are Blameless.  Nothing is ever their fault.

    Tuna sushi

    2.      Timid Tuna never do anything either because they are afraid.  They mask their ineffectual behavior under the guise of being Self-Sacrificing and Good-Hearted, but really they are just Victims. They justify playing with sharks saying, “Oh, there’s really a Dolphin in there somewhere—I’m going to help them find their inner Dolphin,” meanwhile completely oblivious to the fact that they’re missing a fin and the blood in the water is their own.  Timid Tuna won’t cause you direct harm, but they will make you really, really frustrated.

    Both kinds of Tuna end up as dinner.  And you’ll be in the frying pan with them, salted and breaded, if you swim with them very often.  After you’ve spent some time with Tuna, you feel tired, depressed, and need to take a nap.  It’s hard to get anything done after that.

    Tuna can’t pay you.  Tuna have no money.

    In summary, this is the evidence telling you who the fish are in your sea:

    Dolphins:  You feel good, and you are rich.

    Sharks:  You feel bad, and you are broke.

    Tuna:  You feel tired, but you broke even.


    I could make other distinctions, categorizing some people as Octopuses, Sea Horses, Barracuda, Eels, Angel Fish, etc., but we tend to get confused when we get too many choices.  That’s why I like to stick to three categories, or three points, or three rules to remember, or a menu of three choices.  You can remember Low, Medium, and High Budgets and you can remember Dolphins, Sharks and Tuna.  That’s all you really need to make decisions about people.  Either they support you or they cost you.

    Sharks sneer at books like this one.  Why would anyone need a book to tell them how to be successful?  Kill or be killed is all you need to know—it’s survival of the fittest, dummy.  Tuna don’t read books except as a vehicle to beat themselves up with and cry, “Oh, no, this doesn’t work for me, either.  Nothing ever works for me.”  Dolphins value learning and growing; they read books, take workshops, attend classes, listen to CDs, and are always improving themselves and the world around them.

    When you learn to surround yourself with Dolphins and avoid Shark and Tuna, you will be richer and happier, and so will your friends.


    Posted on January 25th, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    25 – January 25

    “If you bet on a horse, that’s gambling. If you bet you can make three spades, that’s entertainment. If you bet cotton will go up three points, that’s business. See the difference?”—Blackie Sherrode


    People always smile and look askance when I tell them I play poker. “You teach finances and you gamble?” they ask incredulously. Ah, but any poker player will tell you: Poker isn’t gambling. It is a game where, as in life, luck always plays a part, but over the long-term it is a certainty: Good players win and bad players lose. If you play well, it is possible to win consistently at poker. (Contrary to what the media commonly reports: Barbara Enright, one of the top women poker players, spent days filming a segment for 48 Hours. It was “too positive,” however. Instead, they profiled a gambling addict who lost all her money.)

    Poker is fun, challenging, and takes a combination of skill and luck. It is a game of strategy, assessing risks vs. rewards, and taking your best shot when the odds are with you. The great players have strong minds, strong wills, patience and knowledge of people honed by many hours of observation. They also understand that luck runs in cycles and have a feel for when they are “running good.” And they have a positive winning attitude—they believe in their skill and they believe in their luck.

    Card Player Poker Cruise 2008

    continued on page 25 of The Wealthy Spirit)

    Today’s Affirmation: “I am a lucky person. A powerful winning force surrounds me!” (Mike Caro, Fundamentals of Poker)


    People often wonder why I like playing poker so much. “You’re a financial coach and you gamble?” they ask incredulously.

    “And what part of life isn’t a gamble?” I retort. “The stock market? Going into business for yourself? Taking a new job? Moving to a new city? Getting married? Getting divorced? You take your life in your hands when you get behind the wheel of a car, jump on an airplane, or just walk across the street.

    “You’re playing the odds every day of your life, calculating the risks versus the rewards of any given action. Putting money in a savings account has low risk but also low reward, investing in a new business has a higher risk but a potentially much greater reward.”

    Playing poker is a fun game to play, but in addition it has helped me develop many useful skills that have helped me in my business. Do you have a hobby that is fun, teaches you valuable skills, and can make you money too? Here are some business lessons I learned at the poker tables:

    1.      Patience. A poker professional once said, “To teach people to play poker, my first lesson would be to tell them to go outside and watch the grass grow for two hours. My second lesson would be for them to go outside and watch the grass grow for four hours.” Sigh. When the cards aren’t falling your way, you can’t make them come. You have to wait for the right cards, right position, or right situation. Trying to make a bad situation work will only get you busted. I once played in a poker tournament for 1 ½ hours without playing a hand, but my patience paid off and I finished in the money. I thought about that when the economy turned south and the public stopped buying…well, just about everything. So you wait it out, knowing the shift will come. It always does. Like it’s doing now!

    2.      How to read people. You’ve heard about people having a “poker face”? That means they have the same facial expression whether they are happy or sad, strong or weak. Poker players are trying not to show their excitement when they have a strong hand, or to look strong when they are weak. Most people never school their expressions, and everything they think is writ large across their faces. When I talk with someone or teach my classes, I can see on their faces whether or not they agree with me – they smile and nod their heads, or they frown and shake their heads. They roll their eyes when they don’t believe me and they grimace when they hit their issue. When I teach teleclasses and don’t have the visual clues, I’ve been blown away to discover how clearly facial expressions show up in the voice! This skill alone has helped me improve my teaching skills and my ability to help others.

    This is a “tell”

    3.      How to suffer “bad beats” with grace. If you have an anger management problem, you probably shouldn’t play poker. Some of the “injustices” of poker will have you steaming! In the 2009 World Series of Poker Main Event, Joe Cada of Michigan went all in with two deuces, and Antoine Saout of France called with two Queens, far and away the best hand. The odds of Antoine winning were 4 to 1. But when a deuce came on the board, Joe had three of a kind and won the hand, while Antoine lost most of his chips and a few hands later was busted out of the tournament in third place. “That’s poker,” is the common refrain of poker professionals in these situations. Business owners say, “That’s business.” You have to be able to recover from your failures, your misses, your bad luck. Luck happens – both bad and good. Roll with it. Getting angry about it will just make you “go on tilt” and blow all the rest of your money. Because you just really don’t make great decisions when you’re angry.

    4.      How to figure risk/reward ratios. Poker players with math skills have an advantage in the game. If the pot has $5 in it and somebody bets $20, there’s now $25 in the pot – but you’ll have to pay $20 to win $25. Not a good bet. Even if you have the best starting hand and the best odds right now, you can still lose, so this is not a great investment of your $20. The guy who bet $20 has given you “bad pot odds” to call. Many players get caught up in the thrill of the game and ignore the odds. Similarly, it always amazes me how many business owners aren’t regularly counting their money and figuring out their profitability on each sector of their business. Poker is a game of making good decisions, and so is business. Use your money wisely, when the odds of success are with you, and the reward is worth the risk.

    5.      Don’t chase “sunk costs”. Or in other words, “know when to fold ‘em” and “don’t throw good money after bad.” Once you have invested money in a poker hand, you have to figure out if the other player has a better hand than you do. For example, I was in a tournament in Las Vegas and had Ace-King as my starting cards. I raised the pot. A friend of mine playing behind me re-raised and everyone else folded. Now I’m thinking that if she has two Aces or two Kings, she is going to be a 90% favorite in this hand. If she has two Queens or a lower pair, we are in a “race” and the odds are 50-50. I want to test how strong she is before I give up, so I raised her back. She promptly raised again, and I folded my hand. She told me later she had two Aces, so I escaped with a minimum of damage. Had I called “because I had already invested a lot of money” I probably would have busted out of the tournament right there. But a lot of players won’t give up when they think they are beat. In business, it’s the same. If you have a losing business strategy, throwing more money at it isn’t going to help you.

    6.      Be lucky! “I’d rather be lucky than good” if a famous poker saying. In the Queen of Clubs tournament I won, there was a key hand where I didn’t have the best hand, but I got lucky. Like Joe Cada, I made three-of-a-kind to beat the other person’s bigger pair. In poker and in life, you have to take risks and get lucky. That’s why the average millionaire has filed bankruptcy 3.5 times. No one wins every time. But if you keep studying and improving your game, your odds will improve, and you’ll win more than you lose in the long run. The main thing is to stay within your budget and have fun.

    And that is success – in poker, in business, and in life!

    “Magic Money” and the “PDQ” Plan

    Posted on January 24th, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    24 – January 24

    “Bills travel through the mail at twice the speed of checks.”—Unknown


    Personal bankruptcies soared in the late 90s and credit card debt was at an all-time high. Consumer Credit Counselors declared that it was not unusual for their clients to have 40-60 credit cards. They also reported that the average per family debt, in credit cards and cards, was $52,000. Although these statistics might change somewhat from year to year, they don’t change enough.

    Too much easy credit coupled with too small minimum monthly payments keeps too many people slaves to their debt. Make a decision now to become debt free! It may take some time, but a commitment today to the “PDQ” (Pay Debts Quick) Plan will have your debt unloaded sooner than you think. There is a freedom and self-satisfaction that comes with acting on your plan that makes you walk, talk, look, act, think, and be richer!

    Look at your current budget and see what amount of money you can dedicate each month to paying off debt. For example, let’s assume that you have ten credit cards and can afford $250 per month towards paying them off. So you pay $25 to each credit card every month. Eventually, one of the cards will get paid off and most people will continue to send $25 to the other nine cards. But that’s reducing your debt repayment commitment to only $225 instead of $250. What happens to the other $25? It disappears. (Eating up unallocated money is the actual purpose of the “black holes” in the universe. There is one in every checkbook, wallet, and credit card.)

    Instead, take that $25 and add it to the $25 payment you’re making on the credit card with the highest interest rate. Now that card is being paid off at $50 per month instead of $25 per month—twice as fast. As soon as that card gets paid off, take the $50 and add it to the next card on your list. Now that one is getting paid off at $75 per month—three times as fast!

    A magical thing happens next. Out of the integrity of your commitment and follow through, unexpected money starts appearing in your life. I call it “Magic Money.” You feel more prosperous, more confident, and like a good money manager because you have taken control of your finances. Money flows to people who think like this. And always use part of your “Magic Money” to pay down your debt even further—and faster!

    Today’s Affirmation: “I am a creative money generator!”


    A friend and client of mine named Jack wrote me to say he was happy to report that he had been closing deals left and right after a long drought in the hiring biz. Then he said,

    “I also noticed something interesting: When I finally had money come in after being on ultra-low budget for so long, my inclination was to SPEND SPEND SPEND! as I was so TIRED of being frugal. While I did take some money for me, I had to resist the urge to spend like a drunken sailor. So now I’m in medium-budget, happily paying down my past-due bills.”

    He thought this would make a good blog topic, and I totally agree!

    It is critical that when your circumstances improve, you transition carefully from low to medium and then medium to high budget. As the money starts flowing again, you want to have some “spree money” for you – it’s such a relief to be able to buy a few nice things for yourself, or go out for a great dinner or night on the town.

    Poker gals night on the town

    Just be sure that you take care of your budget as well as yourself. You can only really enjoy spending money when you feel secure in your financial plan, that you’ve got all the bases covered. Make some considered decisions about paying off debts and saving for the future as well as having fun in the present.

    When you can do all three successfully, you have achieved Money Mastery!


    Magic Money Wish List

    Posted on January 23rd, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    23 – January 23

    “The two most beautiful words in the English language are: ‘Check enclosed.’”—Dorothy Parker


    Every so often, as I worked with my chosen monthly budget, I would think of something I wanted to have that wasn’t on my budget. It could be something I had forgotten to plan for by putting it on my “Irregular Expenses” list like new stationery, additional advertising specialty items like coffee mugs or pens, or a new piece of computer equipment. Or it could be something fun or extravagant that I wanted to create more money for, like new clothes, new office furniture, or a piece of jewelry.

    Whenever I thought of something, I wrote it down on a piece of paper at the back of my time management calendar on my desk. I labeled it my “Magic Money Wish List,” because I knew I had to create extra, magic money, above and beyond my budget, in order to have the things on this list…

    (continued on page 23 of The Wealthy Spirit)

    *Special Note to all my readers:

    My publisher voiced concerns that it might not be wise for me to publish the entire contents of my book every day since it would then be available in perpetuity online. A good point, don’t you think? That’s why I publish the blog with a few complete pages from The Wealthy Spirit and the rest of the week will publish just a part of the page for reference.

    Today’s Affirmation: “I create ‘Magic Money’ for all the wonderful things I desire!”


    This blog has resulted in some Magic Money for me, too. I’ve been writing it every day for over a year now and it’s been really successful in stirring up attention – my web hits have more than doubled and unique visitors have jumped 40%. When you google “financial stress reduction” you get somewhere around 4 million web sites and I’m right at the top of page one. . Chellie is doing the Happy Dance!

    I also post the blog each day on Facebook, Twitter, and Linkedin. This is how terrifically well Social Media works – I received a note from a Facebook friend who said, “I always thought you were cool and loved hearing you speak at networking events and women’s conferences. But now I am simply in awe. I signed up for your daily affirmations. I can’t tell you how much I love them. I sent a copy to my boyfriend and he said, ‘When can we take her workshop?’”

    Now as any of you who are in sales know, that question is a “buying signal”. This is someone I should definitely follow up with to explore the possibilities of them taking the next class. So I wrote her back of course, and said we should talk. I didn’t hear back from her during the next a week.

    And this is where a lot of people lose their sale. They don’t follow up again. Remember it takes 12 touches before someone is ready to buy from you, but even when they are leaning towards yes, you have to close the sale.

    So I did a google search and found the woman’s web site with her phone number. I called her up, we had a lovely chat, and she enrolled in the course. I asked about her boyfriend, and she said she would talk with him. Then she wrote, “I just want you to know that I hung up the phone with you and immediately downloaded your books to my Nook. Yay.” A few hours after that, she said her boyfriend was in, too.

    You know what the best part was? At the end of the workshop, she told me she had the best, most profitable month ever in her entire career during my workshop! That’s what I really love – helping people have the rich life of their dreams. It’s magical!

    The lesson here for you is: the blog is working, driving traffic to my web site, selling books, and selling workshops. But all of that is marketing, not sales. Sales don’t magically happen by themselves. They need a little assistance from you. People are interested, but if you don’t call them, you leave them alone to figure out how to get past their obstacles to buying from you – like time and money and you’re not on my budget right now. You’re much better qualified to coach them on this than they are!

    The advertising is in the blog. The money is in the phone!

    Irregular Expenses

    Posted on January 22nd, 2012 in The Wealthy Spirit by chellie

    Updated insider information by Chellie Campbell, author of “The Wealthy Spirit: Daily Affirmations for Financial Stress Reduction”

    22 – January 22

    “Just about the time you think you can make both ends meet, somebody moves the ends.”—Pansy Penner


    Irregular expenses are often budget-busters. This is because they aren’t a part of our regular, monthly expenses, and we tend to forget them. Then suddenly, like a harbinger of doom, there they are looming over your checkbook, cackling with glee that they’ve given you this nasty surprise. Your car breaks down and the repair bill is five hundred dollars. The water heater goes out, or the computer suddenly develops amnesia. The once-a-year insurance premium is due and you had forgotten all about it. It’s time for your yearly vacation, but you didn’t put money aside to take that cruise you want.

    Cruise ship Bay of Naples

    The solution is to make a list of all your irregular expenses by month. What is due in January that isn’t due any other month? Insurance premiums, taxes, vacation expenses, and club membership dues are not regular monthly expenses and should go on this list. Don’t forget to include money for repairs and maintenance on your automobiles, computer upgrades, Christmas presents, etc. Make a list for each month of the year, then total the amount of money for the entire year. Divide this number by twelve and you will have the average amount of money you spend on irregular expenses. Put this figure as a line item on your budget…

    (continued on page 22 of The Wealthy Spirit)


    Today’s Affirmation: “I have positive cash flow right here, right now, and always!”

    It’s wonderful to see the economy bouncing back, thank goodness! The stock market is zooming upward, and the talking heads on TV are once again expressing some optimism. Whew! Thanks to Gloria Gaynor for getting us through singing choruses of “I Will Survive!”

    But prosperity has its down side, too – many of the lovely deals and discounts that were once available aren’t available any more. Here’s a couple that I have noticed personally:

    First, there was a report in the Los Angeles Times about how only half of the restaurants that were offering steep discounts for the last couple of years are doing so now. I had already seen that my favorite Cheesecake Factory wasn’t giving free coupons for cheesecake with purchase of an entrée any longer. Oh, well, that’s probably better for my waistline…

    Last year, I ran into a big snag in booking my January Las Vegas getaway with my poker gal pals. For years, I had received promotions from the Venetian Hotel in Las Vegas for 3-4 nights free, plus $50-100 dining credits, plus $250-400 in free slot play. A gold card member, I really loved my deals! But when I called to make a reservation, my casino host told me that there were no promotions and he’d have to see what came through later. The best he could do was one night at $179 and two nights free. No dining credit. No free slot play.

    The gals at Milos at the Cosmopolitan

    Ouch! I checked with the Harrah’s chain to see if they were any different, and found the same pull-back in discounts. My offer package in November showed free rooms for all the hotels available all week, except for Caesar’s Palace which had discounted rates from $47-127 most nights. But the latest update I received showed no free rooms for Caesars, Planet Hollywood, or Paris, and only a few free nights for their other hotels (the Rio, Bally’s, Flamingo, Harrah’s, and Imperial Palace.

    Canals outside the Venetian

    So we stayed at the Venetian and had a fabulous time, even though it cost a bit more than usual.

    My guess is the pull-back in coupons and comps didn’t work. It was only about 6 months into 2011 when I started receiving all kinds of free offers for rooms and dinners and bonuses again. My guess would be that everyone rushed back to enjoy their perks! I’ll bet the casino’s income went up as a result of that…

    Lesson? Sometimes if you give too much you get taken for granted, so perhaps it’s a good idea to withhold for a bit and make people realize what a great deal they were getting. Like sometimes don’t show up to your usual networking group and give them an opportunity to miss you. Then you’ll really be appreciated when you come back.