How to Manifest Money: A Creative Generalist's Guide to Abundance Mindset

Most advice on how to manifest money reads like a lottery ticket with extra steps. Stare at a number on a vision board, repeat that you are a "money magnet," and wait for the universe to wire it over. That's not what happens when manifesting money actually works, and it's not what I practice.

I'm Murielle Marie, and manifestation has been part of how I've built my life and my businesses for years, money included, long before "manifest money" became a search trend. So here's how to manifest money in a way that holds up: by pairing a real inner shift, the abundance mindset, with the belief work and the action that make it land. If you're a creative generalist with more ideas than income streams, and a slightly complicated relationship with money because of it, this one's for you. It builds on my broader guide to how to manifest anything, narrowed down to the one outcome people ask me about most.

What Does It Mean to Manifest Money?

Manifesting money means deliberately shifting your inner relationship with money, your beliefs, your felt sense of what's possible, and your focus, so that your choices and actions start to pull toward more of it instead of quietly working against it. It is not wishing. It is not sitting still and hoping.

And to be clear about where I stand, because I know the science-minded version of this topic usually strips the magic right out of it: I do believe manifestation is magic. I've manifested the life I'm living now, money and all. What I'm giving you here is the practical half of a practice that, for me, is both real and magic at the same time. The two aren't in competition. The inner work and the mystery run on the same track, and money responds to both.

The reason the mindset piece matters so much is that most of your money behavior isn't a conscious decision in the moment. It’s the result of beliefs you absorbed early, often before you could question them, about whether money is safe, whether there's enough, whether people like you get to have it. Manifesting money starts by updating that often unconscious layer, the same way you'd update old software (yes, I do love tech analogies 😄), so your day-to-day money choices stop being governed by an outdated operating system.

Does Manifesting Money Actually Work? Here's What the Research Says

Parts of it hold up under research, and it's worth knowing which parts so you build your practice on the pieces that work.

Start with your money beliefs, because they aren't just a "vibe." Harvard economist Sendhil Mullainathan and behavioral scientist Eldar Shafir showed that a scarcity mindset imposes a real "bandwidth tax": when your attention is captured by not-enough, you have measurably less mental bandwidth left for planning, self-control, and good long-term decisions. In their studies, the same people scored worse on cognitive tests when money was tight than when it wasn't. That's the mechanism underneath the woo. An abundance mindset frees up the very mental resources a scarcity mindset consumes, which is why the inner shift must come before the money strategy can even work.

Then there's the part where you get specific and write it down. Dr. Gail Matthews, a psychology professor at Dominican University of California, ran a study of 267 people and found that those who wrote their goals down were 42% more likely to achieve them than those who only thought about them, and the effect was stronger still for people who committed to specific actions and reported on them. A number in your head is a wish. The same number on paper, tied to an action plan, is where manifesting money stops being abstract and starts having something to aim at.

Put those two findings together, and the honest version of manifesting money looks like this: clear the scarcity beliefs that are taxing your bandwidth, get specific and write down the outcome, and stay connected to action. The belief work is real and worth doing. The plan and the movement are what let it show up.

Why Manifesting Money Usually Falls Apart

When someone tells me manifesting money "doesn't work" for them, it's almost always one of these, and none of them means the practice is broken.

The first is an inherited money story running underneath the wanting. You can consciously want more money and still have a belief you never chose, that wanting more is greedy, that money changes people, that it's safer to stay small. Those beliefs usually came from somewhere: a parent, a childhood, a culture. If the outcome you're programming quietly contradicts a story you absorbed at seven, the old story tends to win. This is the same trap I've written about with inherited dreams, just pointed at your bank account.

The second is manifesting from a felt state of lack. If you spend five minutes feeling into abundance and then twenty-three hours refreshing your balance in a low-grade panic, the panic is the state your nervous system actually spends the day in. Money manifestation asks you to hold the felt sense of enough, not to perform calm for five minutes and grip the rest of the time.

The Feeling of the Wish Fulfilled

The third step is not only to be in a state of lack but also to lack faith in the outcome. To counter this block, I practice what Neville Goddard so poignantly put: “Persistent imagination, centered in the feeling of the wish fulfilled, is the secret of all successful operations.”

In other words, you have to believe - and have faith - that the money is coming without questioning it, which is by far the most difficult thing to do, especially when money is tight. 

One way I have found to help me get over losing faith and falling into fear over money, something that happens quite a bit when you're investing in the business ideas that you are building, is to center on my heart and feel love and gratitude for what I already have. When I feel stressed out about things, or when financial pressures get too much, I breathe into my heart and summon that glowing feeling, that I purposefully attach to a positive mantra about the money or success that I know for sure is coming. It may feel a bit mechanical at first, but over time this practice helps to change the underlying beliefs - and fears - I have about money and rewires my brain and nervous system to allow for new, positive beliefs about what I am capable of achieving and what I deserve.

One such mantra that I love to use (and that I write out in my journal every morning as I am doing my morning pages) is this famous manifestation affirmation from 1925, "Infinite Spirit, open the way for my great abundance. I am an irresistible magnet for all that belongs to me by Divine Right," from spiritual teacher Florence Scovel Shinn, another one of my favorite manifestation old masters. Her book “Your Word is Your Wand” focuses on using spoken words to program the mind and manifest prosperity. Try it, you’ll see.

The fourth step is skipping the action half entirely. Feeling and faith are not the finish line. The felt state clears the inner block; it (unfortunately 🤓) doesn't send the invoice, pitch the client, or raise your rate for you.

My Own Money Practice

For a long time, I carried a very stubborn belief about money, that it had to hurt to be real. If it came easily, some part of me didn't quite trust it, or didn't feel I'd earned the right to keep it. So I did exactly what that belief tells you to do. I over-worked. I white-knuckled every launch. I treated exhaustion as proof that I was serious, and I quietly assumed the money would only ever match the amount of suffering I'd poured in to get it.

Frustratingly, a belief like that doesn't just wear you out; it actively blocks the thing you're chasing. I was so busy grinding for money that I was holding on to it too tightly, and squeezing it like a lemon is the opposite of the state that actually lets money in.

The shift, when it finally came, didn't look like working harder. It looked like doing less of the busy, hustling part. I started holding the feeling that there was already enough, that I was allowed the frictionless path, that money could move toward me without me bleeding for it first. Then I let go of the how. I handed that bit over to the universe with faith that it would work itself out.

What I can tell you, without dressing it up, is that money then showed up in ways I hadn't planned and couldn't have engineered if I'd tried. Not from the thing I'd been straining at. From directions I wasn't even looking in, like the friend who offered to gift me some money right when my business needed it to grow, or the investor who called me out of the blue to tell me they wanted to double down on their investment. And every time, I had that slightly disoriented, is-this-actually-allowed feeling in my body, the old nervous system still half-waiting for the catch. There wasn't one. The money didn't arrive because I'd finally suffered enough for it. It arrived once I stopped believing suffering was the price of entry.

And yes, I do think there's magic in that. I'm not going to tidy it into pure psychology, because that isn't what it feels like from the inside and it isn't what I believe. Something larger tends to meet you the moment you stop stressing out and holding too much. The practical half is real too, though, and that's the half you can practice on purpose.

Which, for me, looks like this: mantras and frequency music each morning to reprogram the money beliefs running underneath everything else, feeling into the abundance as already true, unwavering faith in the Universe, saying thank you for it, and then letting go of exactly how and when it arrives, while still taking the next obvious action in front of me. Letting go of the "how" is not the same as doing nothing. I follow Neville Goddard's teachings here, and his short bookFeeling Is the Secret lays out the felt-state idea most clearly.

How to Manifest Money: A Step-by-Step Practice

This is the practice I'd hand you if you asked me how to manifest money, not "more abundance" in the abstract, but an actual number.

1. Name the real number, and write it down. Not "more money." The specific figure, tied to a specific window: this income by this month, this rate on the next project, this amount saved by year's end. Writing it down is where the 42% lives.

2. Find the money belief in the way, and say it out loud. What do you actually believe about having that much? "It's greedy." "It won't last." "People like me don't." You can't reprogram a belief you won't name.

3. Reprogram it. Write the opposite belief as a mantra on a flashcard and read it daily in the felt state, ideally with right-brain frequency music, so it reaches the unconscious layer rather than remaining a nice idea in your conscious mind.

4. Feel the abundance as already true, in your body. A few minutes daily in the felt sense of already having it, not "I hope," but the settled, it's-here version.

5. Have unwavering faith that it will happen, no matter what. Whenever you feel doubt, focus on the belief that success is your birthright and that the Universe always delivers.

6. Take the next visible money action. Send the pitch, raise the rate, list the offer, have the conversation, start the second venture (hey, you’re a generalist after all!). One concrete step, right now, not the whole plan.

7. Say thank you, and let go of the how. Drop the grip on the exact mechanism and timeline. Keep showing up for the parts you can act on, and trust the rest.

How to Manifest Money Fast (Even When You're Broke)

Speed comes from specificity and from clearing resistance, not from wanting it harder. If you're trying to manifest money fast, the fastest lever is usually to narrow the ask; "this specific 500 by Friday" gives your actions something concrete to aim at in a way "a lot more money, soon" never will.

Manifesting money when you're broke is its own case, because that's exactly when the scarcity bandwidth tax is highest, and your mind has the least room to see options. So, when money is tight, the move is to deliberately widen your focus back out: name one small, believable next amount rather than a rescue-sized number, because a believable target is one your nervous system won't immediately reject. Then look for money that's already near you. This is where the tactical piece of my 5 ways to manifest more money post pairs well with the mindset work here: things you can sell, skills you can trade, an invoice you haven't chased. Abundance, when money is tight, starts with a decision to look for what's already there rather than only what's missing.

How to Manifest Money as a Multi-Passionate Creative

If you're a creative generalist (a polymath, multipotentialite or multihyphenate), manifesting money has one extra wrinkle: you don't have one income stream to feel into, you have four half-built ones. And the usual advice, "focus on one thing," has always felt like a cage.

Here's what I tell the creatives I coach: combine, don't choose, but manifest one income stream at a time. A portfolio career can absolutely include several ways to make money; that's the whole point of building your work life around earning income while living your purpose rather than picking one lane and abandoning the rest. What you can't do is hold the felt state of five different "already true" income outcomes in the same five minutes and expect any of them to land with real focus. Pick the stream with the most charge and the most nearness right now. Manifest that one fully. 

The others don't disappear; they take their turn. 

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Common Questions About How to Manifest Money

How do you manifest money fast?

Get specific and narrow the ask. A precise, believable target ("this exact amount by this date") gives your actions something concrete to aim at, which moves faster than a big, vague wish for "more money soon." Then clear the belief that says you can't have it, and take one visible money action immediately rather than waiting for the whole plan to feel ready.

Does manifesting money actually work?

The parts backed by research do. Updating a scarcity mindset frees up real mental bandwidth for better money decisions, and writing a specific goal down makes you 42% more likely to reach it. What doesn't work on its own is visualizing a number and waiting. Manifesting money works when the inner shift stays connected to a plan and to action.

How do you manifest money when you're broke?

Start smaller and more believable than the rescue-sized number, because when money is tight, your mind has less bandwidth to see options, and it will reject a target that feels impossible. Name one small next amount, look for money that's already near you (something to sell, a skill to trade, an unpaid invoice to chase), and take that action while holding the felt sense of enough rather than the panic of not-enough.

What is an abundance mindset, and why does it matter for money?

An abundance mindset is the felt belief that there is enough, and that more is available to you, rather than the constant background sense that money is scarce and running out. It matters because a scarcity mindset measurably taxes your mental bandwidth, leaving less for planning and good decisions, so shifting to an abundance mindset is what makes practical money work possible in the first place.

Do you have to believe in the universe to manifest money?

No. You can run a working money-manifestation practice purely on the "personal power" side, updating your own beliefs, focus, and actions, without any belief in an outside force. Personally, I land on both: I do the inner and outer work, and I also believe something larger is responding. You don't need to share that for the practice to work. I just do.

Ready to build a creative career that actually pays?

Manifesting money works best when it isn't a solo project. Most creative generalists I meet aren't short on ideas or ambition, they're carrying old money beliefs and a pile of half-built income streams with no one to help them see the pattern. That's the exact knot coaching is built to untangle.

Book a free 20-minute coaching clarity call, and let's talk about your specific situation, your money mindset, your income streams, and what's actually in the way. No pressure and no sales pitch, just a real conversation about whether coaching is right for you.

Book your free session

Or if you're not ready for a call yet, grab the free Big Dreamers Manifesta and get specific about the number you're actually manifesting instead of staying vague about "more."

How Katherine started her own bookkeeping business & became a money mentor

Katherine and I initially connected online. I loved Katherine’s bubbly personality from the start. When I needed someone to look at the numbers of a start-up I was building, she’s the one I turned too. I felt so supported knowing that she was on the team. Katherine does have a way with money! Ever since, it’s been a joy connecting with her, and watching her revolutionize the accounting world one business at a time. Here’s the story of how she started her own bookkeeping business and became a Money Mentor.

What was your big dream, and what inspired you to go after it?

It’s my mission to help 3 million people retire rich. Which is ironic, since I never cared about money when I was younger. Instead, I was focused on making an impact with my art, and talents as an actress and director. 

When I started pursuing this dream professionally, however, I felt I’d been lied to. The work itself was fulfilling, but not one of my mentors had prepared me for the financial challenges of being self-employed. I soon discovered my mentors couldn’t have prepared me because they struggled with these things too! So, I set out to learn about money. The more I did, the more ambitious I became.

I learned that money is a language to master, that it has the creative energy to build on itself, and that it’s possible to stop fighting money and instead make it a teammate. I learned this process was surprisingly easy and enjoyable, but no one – and I mean no one – gives you this critical education in school. Which is why if you pull back the curtain, almost everyone, in every industry, is struggling with money.

That’s the most important thing I learned: money problems aren’t limited to creatives! So I decided I’d had enough and wanted to tackle this problem head on.

That’s why I started my own accounting firm. I wanted to move the needle just 1%. I want to help a mere 1% more Americans (the only country I’m licensed to work!) kick their money woes and retire comfortably. 

At the time I made that goal, 1% of America was 3 million people. That’s how my big dream of helping 3 million people retire rich was born.

Did you always have this dream?

No way! As an artist, I always wanted to inspire hearts and minds, but I never dreamed that a single topic would inspire me so much or that I’d change my life’s work to pursue it.

What was one of the first things you did to get you started?

I invested in my education. I’m a graduate of Ben Robinson’s Bookkeeper Business Launch. I credit Ben with how I think about bookkeeping and client relationships. All my tax work, writing, and coaching have grown from this bookkeeping foundation.

What were the biggest challenges you faced in working toward achieving your dream?

When I started, I really, truly thought that I was going to acquire all this tax knowledge, teach it to my clients, and “BOOM!” the problem would be solved and we’d all have successful, profitable companies to brag about.

But education is not implementation. My first clients had cleaner books but weren’t changing their money habits.

Changing money habits is hard to do! Money is an emotional topic for many people. We not only need to master an outer monetary system, but also master our inner thoughts and emotions about at. This inner relationship with money becomes ingrained in us as children, and every friend, partner, and the bill we pay either reinforce this relationship or will bring us into conflict with it.

Owning up to this relationship and learning to tackle my own “money blocks” was the first step. Then, I had to learn how to pair money mindset coaching with my growing financial expertise. This was how the Chaos Money Framework was born.

The Framework keeps us accountable. Because it’s challenging to accept that “wealth” and “success” are not static achievements. I need the Chaos Money Framework to help me choose and walk my wealth journey every day.

What do you wish you would have done differently? What would you warn others about?

I wish I had slowed down.

I made the new business owner mistake of focusing only on growth and income. This meant I chased every shiny tool, coach, or course who could take me to the “next level.” (All the while telling my clients to act differently – the hypocrisy!)

But if I had focused more on the clients in front of me – if I had treated them as the only important thing in the world – I would have achieved better results overall. I would have figured out some things faster. Most importantly though, I would have helped more people.

I would caution others who are looking outside of themselves for answers. 

Copying other people’s business only encourages comparison and imposter syndrome. It’s better to slow down, focus on the work at hand, and develop your own system with the resources available to you.

I’d encourage them not to chase income, but rather measure metrics that support your own mission and values (like repeat customers, profitability, or the success you help clients achieve). Only look to change your system when it helps you improve one of these metrics and stop caring what caring about what’s “expected” in your industry.

Would you say you’ve achieved your big dream yet?

Uh oh! Remember what I said earlier about achievements?

In all seriousness, yes. I’ve achieved some incredible things since I started.

As my impact grows, my clients’ impact grows, and as their impact grows new jobs and new investments are created. Each one gets me closer to the 3 million marks!

What do you think helped you achieve it?

Oh, my Money Map! Definitely!

That’s what I call the unique mix of financial reports you use to lead your business. Everyone’s Money Map will be different and that’s actually the purpose of the Chaos Money Framework. The Framework helps you break down big goals into actionable milestones. Then we turn those milestones into – wait for it – a map! You can follow this Money Map to reach your goals.

I’m my own customer here because Money Mapping really works. I also have an incredible coach to hold me accountable, a team to support the work I do, and I’ve invested heavily in my marriage and personal relationships. 

Everything’s harder if you’re trying it alone!

What’s the best advice you have for others who want to follow their big dreams?

Set a big, scary goal. You have permission.

But don’t try to tackle that goal everyday. It’ll be too overwhelming. Just let the big goal float around in the back of your head.

Instead, slow down. Ask yourself “What’s the very next step?”

Also pick out the smallest, tiniest, so-simple-it’s-easy next step. (Like clicking send on that email or taking that receipt from your purse to your desk). Do only that step.

Then identify the tiny step after that. Do that. Identify and execute each tiny step, over and over, until you’re getting to work naturally and you don’t have to think about it anymore.

Big goals create too much pressure, but tiny tasks are easy. Tiny tasks also add up fast! It’s getting started that’s the hardest.

More about Katherine – www.bookkeepingartist.com

Katherine is a money mentor for creative entrepreneurs. She can transform you from a stressed solopreneur into the money-savvy CEO of your own online empire. She specializes in Taxes and Business Entities, Profit Strategy and Business Growth, Bookkeeping, Workflow, and Productivity.

Don’t hesitate to get in touch with Katherine! She loves connecting with women from around the world. You can do so through her website at bookkeepingartist.com 

Katherine’s favourite quote is:

Imagination is only intelligence having fun.
– George Scialabba

Katherine’s big dream for the world is:

To persist joyfully along my unique path of creative and financial freedom. To lead and inspire others to do that same.

If you want more inspiring stories, I’ve got great news for you! This story is part of an interview series, you can find all entries here.

Is your money mindset affecting your dreams?

We all think we know what money is, and we all feel confident that what we think we know is true. We hardly ever question the beliefs that we have around money or the money mindset that comes with it – even though we don’t know where they come from. A perfect example of this is the belief that many of us have – me included – that making money is a hard thing to do. We start out in life believing this to be true, even before we experience it for ourselves.

My story and mindset about money began with that exact belief. For many years it rippled into everything I did, including how I approached my dreams and tried to achieve them. Because I believed making money was hard, I also believed achieving my dreams had to be.

And it was. Our mindset can be our worst enemy as much as it can be our best friend.

We don’t always think about our mindset this way. In fact, many people go through life without ever questioning what their beliefs are. As the student of my own mindset for many years now, and the witness of the amazing, positive changes that occur in my clients when they change their mindset about money, I’ve come to realize that understanding the true power of your beliefs is one of the most fundamental ways to find more flow, happiness, and courage in your life – and to achieve your dreams!

Our beliefs influence the way we think, but also the way we feel, and the way we act. In a way, you might say that everything comes down to your mindset:

• How you perceive the world

• Your level of self-confidence and self-esteem

• How much you think you’re worth

• Whether or not you believe you can do something

• …

All of these thoughts, feelings, and characteristics are guided by your mindset. If you believe that making money is hard, it will have an effect on your dreams.

You might think building your dreams is expensive, and since you believe making money is hard you’ll never get there. Or as you’re building the career or business of your dreams you might fall into the trap of relentless productivity and overwork like I did. Because way you think about money has a direct influence on the way you think about all the activities that produce money.

The good news is that, even though our beliefs control us, we can take control over what we believe. This means that you are in control, and that no matter what your situation may be today, you have the power to change the world you live in simply by changing how you think about it.

You start this process by asking questions.

• What do you think about when you think about money?

• When you think about money, how do you really feel? Calm, excited, happy, afraid, stressed out?

• What was the relationship your parents had with money? Were they savers, spenders? Were they relaxed about money or always worrying?

• In what financial situation did you grow up? How much money was available to you then? Was there enough to go around, or was making ends meet a challenge every month?

• Who do you think you need to be in order to make money?

• How much do you think you’re really worth? How about your time? And your work?

Exploring these questions will help you to find out more about your relationship with money, and what your money mindset is.

Whether you’re conscious of it or not, beliefs about money were all around you when you were growing up. And they are still all around you today. Everybody has them, and often they’re rooted in the culture that you’ve been brought up into. For instance, do any of these money stories sound familiar to you?

• You have to suffer to make money.

• People want to steal your money away from you.

• You have to work hard to make money.

• The best things in life are free.

• Money is the root of evil.

• Money needs to be saved.

• It’s selfish to want a lot of money.

• People with money are greedy, evil, bad.

• Money doesn’t grow on trees… (although this statement is true, what it implies is still a belief about money)

All of these statements were part of my inherited beliefs about money. As long as I kept on to them they worked like self-fulfilling prophecies. Even though making money was never the issue, the way I felt about it and how I spent it were.

The stories I believed about money shaped the way I felt about it, how I looked at it, and what I believed it to be. Essentially, I was afraid of money. I was afraid there wouldn’t be enough of it in my life (since it doesn’t grow on trees, you see!), I was afraid I would have to work really hard all my life to have even a little (well, because you’ve got to work hard for money), I hated wanting money (because it’s selfish), and when I had money, I often felt bad about it (because it’s the root of all evil). What a mess!

I don’t believe any of these statements anymore. Money is not good or bad, doesn’t require hard work, doesn’t make you evil, and it’s certainly not selfish to keep the money that you’ve worked for for yourself. It’s just an instrument that is required in life to get a lot of the things we want.

The thing is nobody teaches us this stuff. In fact, it’s the exact opposite. The tyranny of our inherited dreams keeps us locked up in these suffocating beliefs about money. They have been passed down from generation to generation, transformed on the way down by the experiences of those who end up giving them to us.

Wherever they come from, what most of your beliefs about money are is – simply – beliefs. Yes, many of them probably find their origin in some truth, but not the kind that you need to live by today.

Unconsciously or consciously, we all live by many of the money beliefs that we’ve inherited and are surrounded with. And that limits us. Sometimes in a good way, like when we realize money doesn’t grow on trees and so we don’t spend it all. But most of the time our money stories aren’t that helpful. Like when we’re afraid to invest in our dreams because, well… money doesn’t grow on trees.

In order to achieve your dreams – and to live a life aligned with your soul – you need to create your own beliefs about money. And guess what, you have the power to do just that!