It's easy to forget that we are all perfect in our own design. Sometimes we muck it up with habits and choices that do not serve us. 

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Julie Murphy, is a Chicago-based CERTIFIED FINANCIAL PLANNER™, and founder and CEO of JMC Wealth Management, Inc.  Julie received her BS in Finance from the University of Illinois Champaign-Urbana and her MBA from The University of Notre Dame. A 24-year veteran of the financial services industry, Julie and her team have successfully...

Julie Murphy, is a Chicago-based CERTIFIED FINANCIAL PLANNER™, and founder and CEO of JMC Wealth Management, Inc.  Julie received her BS in Finance from the University of Illinois Champaign-Urbana and her MBA from The University of Notre Dame. A 24-year veteran of the financial services industry, Julie and her team have successfully served thousands of clients throughout the U.S., and abroad.  Julie is adept at all the critically important aspects of financial and life planning.  Consulting areas include, but are not limited to portfolio management and asset allocation, including risk management, college planning, business and retirement planning, estate planning, life, disability and long-term care insurances.   Unlike other CFPs, Julie’s approach is unique. She works with each client to uncover his or her " relationship" to their assets. Her time-tested program, PACT (P: Picturing Yourself, A:  Accepting Reality and Awakening, C: Choosing to Change, T: Taking Action) has transformed countless client's lives.




Awaken Your Wealth: Creating a PACT to OPTIMIZE YOUR MONEY and YOUR LIFE




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How to Leave Fear and Stress Behind in 2020

trekkers-along-the-path-to-refuge-in-the-natural-park-picture-id1089262044

Let’s be honest: the season we’re living through right now in this pandemic is scary and stressful for all of us. The more I keep watching, the more I keep seeing so many of us hitting places where we’re experiencing strong, sometimes confusing emotions—about our money, our jobs, or our lives in general.

Everything is a bit up in the air still, leading us to face a lot of stress and fear. Believe it or not, that’s why I think it’s so important to keep talking about building our wealth from the inside out, and not the outside in, so we can insulate ourselves against the chaos of what happens in the world and leave our fear and stress far behind us.

This is what I mean…

How to Build Your Life From the Inside Out

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Are You Ready to Stop Being Overwhelmed?

feeling-free-in-nature

As many of you know, my passion is to bring all tools and resources you need to help you awaken your wealth. I’ve put together a toolbox, I go live regularly on my Facebook, and I’m continually referring to other experts and resources for you to truly awaken every aspect of your wealth. Because real wealth is about more than just money.

It’s so important to understand that money can only be the result of everything else happening in your life. Right now, many of us are going through a season of overwhelm, which is why I think it’s hugely important to share that my dear friend, Christine Arylo, has just come out with her new book: Overwhelmed & Over It. 

So get ready to get over your overwhelm because it’s time for us to finally start living from our heart’s space.

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Why You Should Chase More than a Paycheck

Julie-Murphy-Find-Your-Passion-blog Find Your Passion

We all need a paycheck to provide for ourselves and our families, but who says that paycheck can’t come from something you’re passionate about and love doing? Take your passion and make it happen. Why? Because that’s what brings you money! I cannot tell you how many times I’ve witnessed this: real people chasing real dreams and finding real wealth. It’s not only possible, it’s really doable!

You don’t need to stay stuck in a career you don’t love to make money. In fact, staying in a place you feel unfulfilled is limiting you from reaching your full potential.

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The Secret to Funding Your Dreams

sunset-achievement-picture-id1161180808-1

There are some hugely negative connotations in our culture today about constantly having new ideas and dreaming about your future. We’re pressed towards having a steady, life-long career regardless of how it makes us feel, making a lot of money, and that’s our culture’s definition of success… So why do I talk so much about what it means and how it feels to be a dreamer?

Because here’s the truth about dreaming: no dream is idle. As a dreamer, you are one of the lucky ones. You have the energy, openness, and creativity to allow dreams to manifest within you and become your new reality.

Dreaming and pursuing your dreams shouldn’t be reserved for the wealthy. There’s no denying that money affords opportunity, but I believe you can turn the money you have right now into a sustainable support for your dream. You’re not rich? Not a problem. I wasn’t either when I started my financial business. All you need is to find the root of your dream, be practical about where you invest your time and how you save, spend, and invest your money.

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How to Be the CEO of Your Own Life

happyCEO Nothing is going to change if you don’t first choose to make it change.

Tell me if you can relate… Are you feeling stuck in a job that isn’t satisfying, perhaps one that’s not taking you anywhere you truly want to go? Maybe you don’t know what to do about it or how to change? Do you find yourself hating your work and feeling stuck there? 

I encounter this a lot in my own work, and believe it or not, it’s not only people who are financially strapped with stories similar to these. No matter the amount of money in a 401k and other savings, any one of us can look up one day to find ourselves decades-deep in a less-than-desirable job situation without a clue for how to escape.

The job landscape is transforming before our eyes, forcing a lot of people to take jobs they don’t love simply to get by financially. Others of us are staying in jobs we don’t like to maintain a lifestyle we were once convinced we wanted, but now all this “just getting by” is making us feel like another drone in the system. 

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What To Do If It Feels Too Late to Chase Your Dream

Julie-Murphy-Chase-Your-Dream-Blog-1 It’s Never Too Late to Leap

So many of us are afraid that it’s too late to start after our dreams or too late to leap towards the life we want, that we end up stuck in place. I get this or similar questions a lot: “Julie, I have a lot of dreams. Is it crazy to make the leap later in life? I’m feeling frozen…”

I think it’s never too late, and let me tell you why.

Take Advantage of Your Time

Once, I had a 72-year-old client go back to law school because he regretted not having done it in his youth. For years before that, however, we would talk about it. I would ask him, “You know, what are you going to do with all this money? Get busy living or get busy dying,” but for years, he put it off.

He kept coming in for his appointment and I’d ask him if he took the LSAT yet, or if he’d gotten into law school yet, or if he’d started taking classes yet. Not attending law school was one of his biggest regrets, but for a long time, he felt like it was too late to change anything about it.

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The Secret Behind Manifesting Your Dreams

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Here’s a question I’ve been getting a lot lately… Julie, how can I dream about the next steps of my life when I feel so stuck where I am?

Honestly, it all boils down to self love. You have to see your worth, and then you have to start dreaming where you can.

Focus on the Beginning

I know for a fact that we as humans do not have to call in a crisis to actually create our shift and manifest our dreams. We just have to start, even if it means starting small. Maybe the dreams are teeny tiny at first, usually because that’s all we can do at the moment, but once you really start manifesting your dreams, you start to open things up and those dreams only get bigger and bigger.

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Here’s What Might be Holding You Back

holdingyouback Are You Going to Have a Breakdown or Breakthrough?

Times of change and craziness really bring a lot of clarity sometimes, and one of the things I wanted to share with you guys that I’m becoming super, super clear on, especially with everything that’s going on, is this: unless we deliberately make a change, we are going to start repeating all of our old patterns, or at least try to repeat a lot of the patterns from before COVID, even if that means repeating the worst of our suffering cycles.
Here’s what I mean…

The Effects of Repeating Patterns

The other day, I went out to a restaurant to eat with my kids. It’s been a long time of social distancing and we wanted to enjoy some time out for a bit. However, as I was eating at the restaurant, I noticed something as I was eating food I hadn’t been eating for the last few months. I kept having to blow my nose because there was something in the food that I have a sensitivity to. I’d been far more careful and was choosing better foods before, but as life started going back to “normal,” I made some exceptions for myself. And it didn’t feel good.

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Be the Light

Julie-Murphy-7-7-2020-blog The World Needs Light

There’s so much going on around us these days. Does it feel like we’re almost in this surreal experience? An out-of-body experience? I can only imagine what it’s like for those who are feeling all of this anger and sadness about what’s going on. As with most of us, it’s been a challenge for me to know the best way to navigate this time but there’s something I’m super clear on…


Anger Comes from Sadness

I learned from one of my teachers that anger is a deeper version of sadness, and that rage is a deeper version of anger… which is also sadness. I experienced a lot of anger and even rage as I was going through the last parts of my marriage, which  actually seems really small compared to what's going on today, but I think it can help us understand a little. 

I really learned that this anger and rage I was feeling was telling me something. It was revealing how sad I was. So if you’re feeling a deep sadness or you’re in a place of rage and anger and you’re super triggered… ask yourself, “Why am I sad?” Don’t simply live with anger and rage. Question yourself, “Why am I sad?”

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It's Okay to Not Know

confused-student-holding-a-book-picture-id162965666 What is the next right step?

There’s so much going on right now, right? So many of us are in a confusing state of having no idea whatsoever what to do next. We’ve got a lot of layering going on now, right? We have a huge pandemic, financial crisis, rioting, and protesting, and I honestly don’t think this is going to be the end of it, ladies and gentlemen.

But something I’m super, super clear on is this: it’s really, truly okay to be in a space of “I don’t know what to do next.” Here’s what I mean by that...

The Magic Phase of “I Don’t Know”

Believe it or not, there is magic in that “I don’t know” phase. It’s really okay to be in the step of not knowing because it allows you to decide what to do next. You just have to know how to move forward in the right way.

What I’d encourage you all to do when you find yourself in a state of not knowing is to ask yourself a simple question: “What is the next right step?” Don’t worry about the far-away future or finding the perfect solution to every problem. Just ask yourself, “Show me the next right step.”

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Breakdown or Breakthrough

young-plant-growing-through-the-ground-picture-id515785771 Breakdown or Breakthrough

Times of change and craziness really bring a lot of clarity sometimes, and one of the things I wanted to share with you guys that I’m becoming super, super clear on, especially with everything that’s going on, is this: unless we deliberately make a change, we are going to start repeating all of our old patterns, or at least try to repeat a lot of the patterns from before COVID, even if that means repeating the worst of our suffering cycles.


Here’s what I mean…

The Effects of Repeating Patterns

The other day, I went out to a restaurant to eat with my kids. It’s been a long time of social distancing and we wanted to enjoy some time out for a bit. However, as I was eating at the restaurant, I noticed something as I was eating food I hadn’t been eating for the last few months. I kept having to blow my nose because there was something in the food that I have a sensitivity to. I’d been far more careful and was choosing better foods before, but as life started going back to “normal,” I made some exceptions for myself. And it didn’t feel good.

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Stop the Suffering Cycles

Stop the Suffering Cycles Stop the Suffering Cycles

Wow the last few months have been a ride, huh? We’ve had so many things occur and so many random things come up in the last few months.Through all of it,  I think it’s super important for all of us to pay attention to the signs we’re receiving in our lives. 


What are the signs saying?

Whether you follow astrological charts or not, (though I don’t personally follow them closely,  I’ve known enough to know) there are signs all around us pushing us towards destinations, and one of the things we need to realize is this: whenever we see a sign, we need to pay attention to it. It’s there for a reason.

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How to Transition Your Emotional Triggers

its-always-stressful-when-critical-matters-are-beyond-your-control-picture-id1126641739 How to Transition Your Emotional Triggers

While still very much an extrovert, I’m an observer by nature, and recently I have been watching the emotional triggers I see happening around me. I get that not one ounce of what’s happening right now is fun or funny, but here’s what’s important: we have to start moving into a place of empowerment despite the circumstances.

We can do this by continuing to dig in and find what is healing and nurturing to ourselves. Understanding your emotional triggers are hugely important if you want to live a life of alignment and real wealth.

Understanding Emotional Triggers

I wrote my first book, The Emotion Behind Money, because I was noticing that the things happening around money really had nothing to do with money itself. It had way more to do with the emotions behind our money. This massive discovery became part of my message, ultimately leading me down this rabbit hole now 15 years later where I have really started to pay attention to the emotional side of money… and people’s emotional triggers.

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How to Reestablish Your Knowing

How to Reestablish Your Knowing How to Reestablish Your Knowing

Today I want to give you three tips on how you can reestablish your “knowing,” which is what’s going on in your heart and body, and not just your head. It’s time to fully choose happiness. Choose health. Choose an end to distractions. Seek these things out.

I hope you’re ready!

3 Tips for Reestablishing Your Knowing

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Living From the Inside Out

portrait-of-adult-woman-meditating-in-fog-picture-id1196873459 Living From the Inside Out

We’re living in a very curious season of life right now. I’m watching as yet another time period passes where the markets are going a little crazy, there’s no toilet paper in the stores, and all the pasta has disappeared from the shelves of my local Whole Foods.

This is scary and stressful for many of us. As I’m watching, I see how a lot of us are really hitting a place where we’re experiencing some strong emotions behind our money. Stress. Fear. Uncertainty. It has everything to do with what’s going on with the coronavirus right now. Our finances are really up in the air to an extent, and that’s causing a lot of fear based emotions.

But we don’t have to live like this.

What Is Living From the Inside Out

Now, I’m not going to talk to you about tons of detailed financial stuff, how it’s impacting your bank account and the markets, or the likelihood of a recession. What I am here to say, however, is this: We need to start living our lives from the inside out, and we need to start living that way right now.

We have to move on from this place of looking at things from outside ourselves and start seeing from what’s inside ourselves if we want to proceed in a happy, balanced, wealthy way.

This is what I mean…

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How You Speak Affects Your Finances

How You Speak Affects Your Finances How You Speak Affects Your Finances

Have you heard the research from the universities of Chicago and Munich? If you have a regional accent, then it’s likely you could be earning a fifth less than your colleagues with neutral accents. This is huge news for anyone who cares about their financial potential!

The way you speak has a direct effect on your current finances and your earning potential… but wait. I recommend taking this a step farther than just polishing your accent and really dive deep into how you speak.

How Do You Speak?

Have you ever paid attention to the way you speak? Maybe you take time to think about what you say before you say it in a business meeting or job interview, making sure you select the right words so you communicate clearly and effectively, but have you thought about it any deeper than that? Obviously you understand that the way you communicate in certain situations can have an impact on the outcome of that situation, but what else can your words impact?

I never used to think overly much about how I spoke. I didn’t ask myself if the way I was speaking was genuine for me rather than how I’d been raised and convinced to speak. I didn’t examine my words to see if they built me up or tore me down. I didn’t really take the time to think if I was speaking like me, presenting myself accurately, or inviting what I really wanted through my words.

I didn’t yet understand what a huge impact my words have on my life.

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Money and Happiness

beautiful-woman-sitting-on-sofa-in-living-room-picture-id1182942337 Money and Happiness

Does money buy happiness? Experts will tell you “no, of course not,” but according to a new survey, 90 percent of the top 1 percent of U.S. household income earners—those who earn $500,000 per year or more—claim to be “completely” or “very” satisfied with their lives overall. 

If money doesn’t buy happiness, then what’s going on here?

The Difference Between Wealth and REAL WEALTH

The 1 percent that are completely or highly satisfied with their lives are embodying what I call “living in a state of REAL WEALTH” rather than just a state of monetary wealth. Monetary wealth is unsustainable in terms of supplying happiness since it relies entirely on external factors to provide fulfillment. REAL WEALTH is deeply satisfying since it goes much deeper than that.

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Health and Wealth: Is There a Correlation

piggy-bank-with-red-heart-picture-id1195729604 Health and Wealth: Is There a Correlation

While the number of zeros in your bank account certainly aren’t the only determiner of your quality of life, the direct correlation between one’s health and wealth can’t be ignored. While Americans at any income level are statistically less healthy than those with a higher income, wealth includes more than just your paycheck.

It also includes your net worth, assets, and abundance of valuable possessions and experiences in life. Your wealth has a direct affect on your health in such a way that you might be harming yourself if you ignore it. The greater your wealth, the lower your likelihood of disease, premature death, and countless other health concerns.

But what is wealth?

A dear friend, and self love expert, Christine Arylo www.christinearylo.com reminded me of the actual definition of wealth. If you look up the word wealth in the dictionary the original root meaning of the word was happiness. In the 1700’s, the definition changed. Wealth definition became “the accumulation of money”. This was happening at the beginning of the industrial revolution, it was all about consuming and accumulating. Hmmmm…interesting! The second root meaning of wealth is shown on dictionary.com is that wealth is modeled on our health. So our wealth is related to wellness. Which is exactly my point.

It’s time to awaken your wealth so you can reach your greatest happiness and health potential.

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It’s time to Launch your life

let-your-vision-act-as-a-guide-towards-success-picture-id1129109533 It’s time to Launch your life

We, as logical humans, can get so caught up in preparation.

We want to be ready and fully prepared in order to avoid mistakes and failures, so we spend a lot of time getting ready… but do you know how much time you waste getting ready to be ready? You get readier than you need to be, avoid mistakes that don’t need to be avoided, and soon you’re the chief of overprepared! While this might make you think yourself into feeling better, it might be stunting your progress and growth.

The Problem With Over-Preparedness

Don’t get me wrong, preparedness is a great thing. God knows in my life, I’ve been WELL overprepared! In this world of information with lists of how-tos, to-dos, and to-avoids, there is always something more to learn… which is a recipe for insanity if we get sucked in. Answers to practically any question ever asked is a simple internet search away, making the amount of education available incredibly overwhelming. If we aren’t careful, we will feel lost in our lack of information which does nothing but distract from the good we could be doing in these moments.

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Who’s Ready to Work Hard and Play Hard?

puppy Who’s Ready to Work Hard and Play Hard?

Did you raise your hand and scream, “I AM!

If you’re like most of us, before you can have fun and shake your sillies out, you probably feel like you need to squeeze in a few more minutes of work before you play. With your computer screen, phablet, tablet, or smartphone always on and filled with things to do, it’s hard to unplug and break away.

And of course, if you do get away from your job responsibilities, you may still need to pick up the kids, help with homework, cook dinner, wash clothes, check the mail and pay some bills. Phew!

If that describes you, then you, my friend, have joined the American cult of “Work Yourself Ragged.” The problem is, being exhausted and not taking time to refresh diminishes your creativity, and cuts into your productivity. And that can cost you money.

I know, because once upon a time I was more raggedy than Ann and Andy put together! (You know, the dolls? Okay, that’s a bad joke, but they are cultural icons and me and my sister had one of each when we were kids. Anyway . . .)

When I started my business, my type A personality was more like AAA+++. I was fully plugged into my belief that I had to constantly drive HARD to get ahead in this all go, no stop world.

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30 Simple Ways to Create Balance and Connection

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