Holding Money Calmly: From Small Deposits To Steady Abundance

Ever feel like money lands and disappears before you can even exhale? Nikki goes straight at that stomach-drop moment and show how to turn it into a steady, grounded practice of receiving and holding. Instead of fixating on numbers, we retrain the nervous system to register support: a 30-second pause before paying a bill, a simple “thank you” said out loud, and one small amount left deliberately unassigned to prove that dollars can stay. Those micro-signals stack into stability—the essential base before any real overflow.

Nikki breaks down the difference between chaos and containers, and why bigger income chooses clarity. You’ll hear how to pick a believable stretch number (2–3x your current month), map where it goes, and test whether your body feels safe with it. If not, refine the plan until safety lands. She shares tools to make money easier to receive: clearer pricing, fewer offers, direct asks, time boundaries, and, for employees, a smart look at role redesign or a strategic move where your market value resets higher. She also explores the quiet power of receiving practice—accepting a compliment without deflecting, letting someone buy your coffee and promising the next, and resting without apology—to build the same muscle wealth requires.

To anchor it all, we guide a somatic visualization: open your mental banking app, see the new balance, breathe until your chest softens, and calmly allocate by plan. Language hygiene matters—retire “I’m wiped out” and replace it with “Thank you for supporting me”—because your body is always listening. With repetition, you create proof that money is safe in your hands. Press play to trade urgency for stewardship, aim your energy into one clear money path, and practice the kind of calm that wealth trusts. 

Check out one of our favorite investing apps, Acorns and start investing!

Acorns is an automated investing app that helps millions of people save and invest for their future, giving each dollar a chance to grow. Acorns does the investing for you with an expertly chosen mix of ETFs. All you need to do is set up features like Round-Ups® or recurring investments and Acorns will handle the rest.

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Transcript

Welcome And Grounding Breath

SPEAKER_01 0:05

Welcome to Modern Zen Co Plus, our deeper subscription space created to support reflection, integration, and real life embodiment. This is where we share bonus practices, exclusive conversations, channeled insights, and intuitive guidance offered with intention and care. Nikki and I are so glad that you're here.

Naming The Small-Money Cycle

Stability Before Expansion

Reframing Payments And Appreciation

Leaving Money Unassigned

Worthiness, Spending Urges, And Apps

Threshold Story And Safety Levels

Language Hygiene And Manifesting

Containers For Bigger Money

The Calm-Hold Money Plan

SPEAKER_02 0:30

Hello and welcome to another episode of the Modern Zen Collective Podcast on the Plus over here for our Plus subscribers. Thanks for being here. I am Nikki for a solo episode. And before we start, just take a deep breath in. Let's settle in, just be fully present here for this episode. Take a deep breath. And exhale, just allowing your body to be able to navigate, be fully present, be here. This episode is for you if money is coming in, but only in small amounts. And almost immediately it gets swallowed up by life, by bills, by groceries. And you could even have money come in and it's gone before it lands. And you might hear people say, don't stress, just be grateful. And you're thinking, okay, great, but my nervous system did not get that memo for me to just be relaxed and grateful. As soon as the money comes in, it's gone. And that's something that I hear all the time now because there are so many expenses happening. So many expenses. You know, have you seen those videos where someone says, Here, I think I'm bad with money, but all I did was buy toilet paper and groceries, right? Like it's it's a completely different world that we are navigating in terms of the income we're receiving based on the collective. Uh, this is the blanket. We are, we are, we are different than that norm. So that's what we're doing today. We're talking about it. So the blanket of the leveled income that has not lifted with how much things cost growing, right? So it's easy to see money come in and then money leave, right? It's it's easy. So let's talk about what's actually happening and what I've done, what others have done that I've worked with, and how we can navigate that. So, first off, if you're in this phase, nothing's wrong with you. You know, have no shame, nothing's wrong with you. Almost, and I so many people I talk to are going through a very, very similar situation, right? They thought they were out of the woods, living paycheck to paycheck, and then all of a sudden everything's more expensive and increasing and increasing and increasing. And there's this level of disconnect, but it's actually our soul, our energy, asking to grow and lead the charge for money instead of following suit for what's being told to us that we are supposed to be doing. So, first, if you're in this phase, nothing is wrong with you. You know, most people that I know that um are here, they are not overspending or irresponsible. They're paying their rent or their mortgage or their groceries, right? They're just trying to stay afloat while building something bigger. So when small money comes in and it immediately has a job, it doesn't register in your DNA as abundance. It registers as still not enough, still not enough. And that can really feel exhausting, like an uphill battle, up and up, trying to figure it out. So here's the part that changed everything for me. Your nervous system does not learn abundance from numbers, because just as easily you can get a million dollars in and the million dollars is out the next day because of bills, right? Your nervous system does not learn abundance from numbers, it learns from experience and from your state. So right now, your body is learning with these small amounts that are coming and going. Money shows up, it solves something. I don't fall apart. Life continues. It might not sound glamorous, but that's the foundation of where your energy is right now. So this phase is about stability, not overflow yet. Yet, yet, yet. And stability always comes before expansion. Every time we need the foundation before we expand. Otherwise, what are we expanding into if we don't have a foundation? You know? So let's be honest about this. When money comes in and you immediately sign it to bills, that's not a mindset failure. That's just reality. You have bills to pay. You live on planet Earth. But that's where we have a choice. That's where we can choose our perspective, our energy, the shift. We can choose the shift. We can reframe. So the old way, that survival response is money comes in, my body tightens, my mind races. I think, okay, this covers that, but what about next month? Even though money arrived, your body is still experiencing urgency. The new way, the spacious way, it's subtle, but it's powerful. When money comes in, I pause before I move it. Literally pause for 30 seconds and appreciate I received it. Put your feet on the ground, your hands on your heart, and say, This money is here to support me. Thank you. Thank you, thank you, thank you. Pay. Thank you, thank you, thank you, thank you. Just be and then yes, pay the bill. But notice the difference between I'm scrambling, it came into my checking account, I'm transferring it immediately, versus I'm being supported in real time and having that appreciation. More appreciation, more things to be appreciative of will come. So it's the same action, but a completely different signal to your nervous system. And something else that's really helped me is you're telling tell the universe that you are not assigning every single dollar that comes in to these bills, right? You are creating money to be unassigned and you are safe within yourself and you trust yourself to leave that money in there, even if it's$20, even if you can pay it$150 and you have a bill that's$130, and you put that$20 to the side. Feel proud that you put that in there and let it live there. Let it sit. Let your body know somatically that money doesn't immediately disappear as soon as you get it, that you are trustworthy, you can handle money, and you can hold on to money. There are apps that do this for you if you'd prefer to do it in that way. Acorns, I love acorns, by the way. No plug. We're just, we're not affiliated with them. I just think that it's a great way to save money that you forgot about anyway. Just rounding up, or you can have auto investments happen,$20 a month,$40 a month, whatever it is. But this is how safety builds in your body. And this is also how you are telling the universe that, hey, I'm cool, I'm trustworthy, I'm not just gonna blow the money, I can hold on to it, I can protect it and allow it to serve me and allow it to support me. I feel it's comfortable and safe in my hands. Because if we receive money and it's gone immediately, there's something in us that doesn't allow us to feel that money's safe in our hands, whether it's a childhood programming, whether it's us um thinking that we have always been told we're not good with money or that we're the slacker or we didn't go to college. So why should we have this money or whatever, whatever story, everybody's story is different. So also take inventory if you find yourself receiving money and it going right away, whether it be to bills or bills plus, you're buying things that honestly you really don't need. You're just buying things to spend the money. And yes, that dopamine might feel good buying things. But is that repressing something inside of you of why you don't feel worthy of having money pile up in your bank account? So this is where financial planners can come into place. If you don't have the means for that, apps can come into place like Acorns or something like that, where you can do the save on the side and allow something to save for you before you can get your mitts on it, right? So allow some money to be unassigned. And unassigned can even mean it doesn't go in your savings account. It doesn't go in your reserve account. It's living there. Living. It's living in your checking account, but you're not spending it. It's just living there, right? I once heard um this woman talking about she was, you know, reprogramming herself from poverty stance into abundance stance, right? And she was talking to her sister, and she always saw her sister as being the uh the pinnacle of success and money and family and you know, children and all of the things, right? So she um and her sister were having this conversation and she asked her sister, you know, what's your threshold? Like, what do you feel like? Oh, that's very uncomfortable if my checking accounts get to that. And the sister said$10,000, like without a blink of an eye,$10,000. And the other sister was like, oh my God, mine zero, you know? So that like that mindset, right? That the other sister wants to have that supportive energy of money, which money is just energy. It's not real, it's just energy. That supportive energy that she feels safe having. She doesn't feel the need to spend it. And she's signaling to the universe that she can handle more because she's holding on to it. And when she needs to use it, she will. But she's been showing the universe and she has her internal dialogue and her internal healing done that if she spends it or tries or spends some of it, it will come back because she held on to it and sh and had it unassigned. It was just in there. And the other the assister said, Wow, mine's zero. And they talk back and forth about how the zero dollar sister was very much, you know, having a lot of issues in terms of um anxiety and stress and always feeling like she's borrowing money from friends and family or cash apps and all of these things. And the sister was like, Well, why don't you just make a new threshold, get to that threshold, and then live your day from there, and then reprogram your brain to not spend every dollar that you have and know that you're safe when you are at this level, whether it's 2,000, 5,000, 10,000, whatever it is. So something that's really helped me in my journey has been to have money be unassigned. Unassigned. I don't have to spend it, unassigned. And then when a bill gets paid, so say that support out loud. You know, I was supported through this. Thank you. Thank you for this money to support me. Thank you. Because language matters and your body is listening. So instead of saying thank you for this money that I was able to support my bills, instead of saying, wow, that wiped me out, I have no money. You don't want to say things like, I have no money. I, you know, there's a magic in manifesting your own reality from your words and your actions and your energy. And you can say things over and over and over again, almost as mantras, right? As like life doesn't work out, or it's, you know, nothing works out for me, or um, I never have enough money, the money's gone, et cetera. That might actually feel good in your body because you are used to living in that chaotic state of victimhood, in that chaotic state of things bad, bad things happening to you. Let's reframe that in all avenues, but specifically for money, reframe it because this is a tiny, tiny thing that can change big, big ways for you. Thank you for this money. Thank you for supporting me. I'm ever so grateful. Thank you. I feel blessed, thank you. Rather than, wow, that might, that wiped me out. I'm done. I don't have any money. Do not say those words. You might think it, reframe it because when you say that, the universe says, oh, poo, okay, you don't want, you don't want to have money. Great. Let's let's do more of you not having money. Here's another bill. Your car just broke down. Here's this, here's that. Let's keep you in this state because nothing, energy, it doesn't matter if it's the universe doesn't look at it as good or bad, right? It looks at it as what you want. It's very black and white. It's very like, this is what you want, this is what you're asking for. So manifesting or creating this reality where you feel comfortable in where you are monetarily, a big part of that is mindset shift, mindset shift. And the mindset shift comes from not saying your mantras that maybe you grew up with, or maybe you just feel comfortable inside of you playing into that victim. No. You are smart, you're intelligent, you can hold on the money and you can grow with it and let it flow to you easily, right? Thank you for supporting me with this money. End of story. And stop forecasting your future. You know, same thing. Like, don't say the mantras of that money wiped me out. Oh, what's next month going to look like? Oh, you know, like, yes. Life happens. Yes, we live on planet Earth. Yes, there are bills, but we get to create our reality. As Einstein said, the biggest choice we have in life is whether we live in a happy or a hostile universe. So someone that receives$100 has the same bills as the other person receiving$100. And the first person can think, oh my gosh, this is amazing. Wow, I got$100 out of nowhere. This is amazing. I, this is incredible. I'm so grateful. I'm so thankful. I'm able to do this. I'm able to do that. I'm going to put some aside. This is amazing. Thank you. The other person can look at it with perspective of, oh, great. Yeah, that's$100. What's that going to do? What the hell's that going to help me? What's that going to do for my life? How am I going to do that? You know, that's great. Wish they would have given me$600. They have enough money to give me$600. So it's creating that, that loop of negativity and that loop of lower vibration and that loop of creating the same energy. You know, if you want to change your energy and change where you are, just change what you're doing. Because if you're on autopilot doing the same thing every day and expecting something different, that's insanity. We all know this, right? So changing your energy, and that can simply be creating money, having money be non-allocated and reframing how you are speaking about money that comes in and leaves, right? So practice holding on to money without spending it. Sit down, close your eyes. Imagine having more money than you need this month. Okay, let's say what do you need this month? You need 4,000 to pay bills, you need 2,000 to pay bills. You receive a thousand more than that. Feel that in your body. Does your body tighten or go numb? Do you feel it in your body anywhere? Do you feel an energy in your body of adolescence of why is someone giving me more money than this? I have to spend it and get rid of it. Are you feeling the energy of, this is great? I have this money. I'm gonna put it aside. I'm gonna save. I want to buy a house. I wanna, I wanna put a down payment on a car, I wanna, I wanna have money on the side for emergencies. This is wonderful. So feel how you feel it in your body, right? If you had more money than you needed this month, how does it feel in your body? What is the first thing that comes to your mind? And then let's reframe the timeline. Small money isn't teasing you. These little drip drips of money that are coming in, it's teaching your system that money shows up again and again. That's beautiful. That's awesome. Whether it's your paycheck from your job or little things or clients that all of a sudden out of nowhere want to pay you, or little things that are coming in, that's great. And once your body trusts that, the large, larger amounts are not gonna feel overwhelming. They're gonna feel normal, but we just need to get into that essence of allowing the bigger money picture to come in, right? And that's where abundance sticks. So now let's get into the part that everyone actually always wants to know, right? And I, and I, this is me coming from my own experience, working with coaches, my own uh readings and teachings and channeling with my guides, also, right? How do bigger amounts start showing up that I can hold on to? So it's not magically, it's not pretending bills don't exist. Um, it's increasing your capacity in your system to hold them. So understand that big money doesn't come to chaos, it comes to containers. It comes to the container ready for it. So there's unlimited money circling your sphere, circling you, encircling you, encircling you. And here you are worrying about$100 and it's coming in, or either or being upset it was only$100, or that you've got$100 and you're not able to pay your rent, et cetera. And it's waiting for that container. That container being a channel it can come in through, and then also your energy, your energetic container that you're not in lack, that you're in the energy energy of the person who already has this and lives it. How do they act? So big money doesn't come to chaos, it comes to your container. So a way to do this is open up a document or a notebook. You can pause and come back right here. You can timestamp it, come back. Open a document or a notebook, entitle it money I can hold calmly. Write one number that feels stretchy, but not activating. So for instance, this could be two to three times your current monthly norm. So if your current monthly norm is you receive three thousand dollars after taxes, two to three times that. So maybe six or nine thousand. We don't want to go into the hundred thousand right now because we're we're setting the foundation. We're setting the foundation for your body to feel safe receiving big amounts of money and holding on to it. So what's that what's the number that feels a little stretchy, but not activating that you feel ugly? Not the dream number, the believable one right now. Yes, we love our woo, but yes, we also know we live here on earth and that we are human beings with shit inside of us in our shadow that we are healing in real time. So we want to make that number believable. Under that number, put a line under that number, and under that number, right, where would it go?

SPEAKER_03 19:06

Where would it go? Right, what would it stabilize in my life? Right, would it feel easier? What would feel easier? So where would it go? What it would stabilize? What would feel easier? Do I feel safe? This tells your nervous system there's a plan and you won't be overwhelmed.

Practice Receiving And Resting

Create One Clear Money Path

Make Money Easier To Receive

Job Leaps And Earning Power

Somatic Rehearsal And Visualization

SPEAKER_02 19:45

Do I feel safe? If you answer no to do I feel safe, go back to those three questions before it and make them more in-depth. Make them more aligned, make them more in-depth for what you are looking for. So say where it would go. You know, if you put bills and then at the bottom, what am I safe? Then your body is most likely going to say no, right? Is what we just talked about. Where would it go? Oh, I would allocate 30% to this, 20% to this, 40% to this, and then this would go into my XYZ fund or whatever. You have a plan, a plan. The universe likes to know you have a plan. Your soul and your energy and your subconscious like to know you have a plan. So those three questions plus the big one at the bottom. If the big one at the bottom becomes a no after you write the three, go back to the three. Go back and make it make vivid details about these three things that you would do. Vivid details about what they are and feel the details. You're not making lumpy rugs and creating bullshit and trying to sell shit to someone. You are tangibly making a plan for when this money comes in and how you're going to use it in the best ability for safety for your nervous system, for future planning, to show that you are ready and able to hold on to this and also to live on planet Earth and pay any bills. So, this, like I said, tells your nervous system there's a plan that you won't be overwhelmed. Another activity you can do is once a day practice receiving without doing anything. So let someone else pay. Let someone buy you the coffee, buy you the matcha. And you know what's even better with that? Let someone else pay and say, I got you next time. That defers you spending that money immediately and allows you to know you're going to spend it in the future, right? So if someone buys you an$8 latte and then you say, okay, next time I see you, I'll get you, then we're putting it into our bank that when I see Jane in a month, I'm buying her an$8 latte. And it allows you to start planning that. Except a compliment from someone. Without deflecting. Sounds so little. Sounds like it's not even related to money. But this is all about feminine receiving and then holding on to it, right? So accept a compliment without deflecting. So if someone gives you a compliment and you deflect it right away, that's the same energy as getting$100 and throwing it out the window right away, right? So accept a compliment without deflecting. Oh, thank you. I really appreciate it. That's so nice of you to say. Wow, thank you. That made my day. Instead of, oh, this dress was$25 or oh, I, oh, my hair looks good is because I washed it or whatever it is, right? So those things are ways that you can practice receiving before earning. And then also rest without explaining. You don't have to explain your rest. Just rest, just enjoy, rest. Rest is where the money comes from. Rest is how we open up those gateways for money to come in, that there's not chaos and energy all over the place going a million miles an hour. We actually rest and allow for the gate to open, for the energy to come in. These things train the same way as receiving money. Another way is creating one big money path. So maybe you have 30 different avenues of income, right? Big money rarely comes from scattered effort. And this is just looking at it from the 3D perspective. Of course, we can visualize lottery winning or whatever it might be that's going to fall into our lap, et cetera. And money and magic come all the time, right? But if you have this tight threshold and this tight hold on even accepting and receiving money, why would magic money pick you to be the one that goes to if you have such a tight hold on it? So creating that channel first, one money path, the money that money can clearly come in and it can clearly land. So maybe that if you're a business owner, one offer, one client type. Um, maybe it's uh, you know, winnowing down all of this part-time work you do into more time at one part-time job. So you can focus your energies. Maybe it's doing um the thing you've been putting off and explaining it to people and telling people that you now are doing one-on-one this or that, uh, yoga, Pilates, or whatever it might be, allowing for that one big channel for money to come in tells your system that this energy is focusing and you can relax. So this energy is focusing. We know that your one avenue right now to create that safety in your body is this client offer. You're doing one offer, not 35. We know that this is it, and we're gonna use this channel to bring you their money. And then your job is to rest, relax, create more of that, put energy into it, share it, visualize it, all the things. You have one money path, one big money path. And then another activity, we have so many, right? Another activity would be the what would be easier check. Instead of asking, how do I make more money? Ask what would make money easier to receive? For example, if you're a business owner, maybe clearer prices, um, fewer offers, boundaries around your time, asking directly for the sale instead of hinting. Um ease is an abundance strategy. So, what would be easier? So, if you are a business owner, if you are in a job, what would be easier to make money from where you are, right? Would it be pitching a new role within the company since you've been doing the same job for four years and now you're doing multiple people's jobs, creating your own job, creating your own job uh example and pitching that to HR, pitching that to your boss? Could it be starting to have conversations for another job while you still have your job? It's sad to say because I work in HR and I work in recruiting. You make the most money when you leave your company and start a new one, start start something new. The quantum leaps I had from moving to one company to the other,$15,000,$20,000,$30,000 a year and more. And that's because this company that you are at sees you at the energy that you started with, right? And that energy was great when it started. And then you grew within that company and you continue to grow, but that company still sees you as who you were, unless you have a very amazing, vivacious thought leadership, pay for what you produce and pay for your intellectual property kind of company, right? Those are hard to come by. So maybe what would be easier could be challenging yourself to find a role that's aligned where you quantum leap$30,$40,050,000 in your base pay, you know? And I'm not saying you have to leave your job, no. But if you're feeling stuck and you're in a job and you hear everyone tell you about how hard it is to find a job now, you better not quit your job so you find a job. Well, you have a job, so you might as well just dip your toes in and start to make the conversations and just casually look and see what's out there. You're just casually looking, you know? All of that. So, what would be easier? How do I make more money? Instead of asking that, ask what would make money easier to receive. Boom. Because I'm telling you right now, being in recruiting for 20 years, what you're doing now, I promise you, if you're burnout, another company will pay you at least$30,000 more a year. And that's just from experience, that's from intuitive connect, that's from my guides, that's that's what keeps us from that is the fear because we see everywhere that people are struggling to find a job and people are struggling and they're getting laid off, et cetera. But we have to all know that we are all the exception to the rule, right? The rule is what's the collective is is deciding, is what's happening. We are all the exception to the rule. And when we do that, we all step into the energy of the new earth of where we're moving into for 3D to 5D. And with that, we can say, I'm getting this job, this is my base, this is this, this is that. I'm gonna love it, it's gonna be great. Boom. Amazing. So another activity is hold the number without spending it in um a somatic way, right? So close your eyes, imagine that larger amount, not the fantasy large, the amount that you wrote down. Imagine that and notice what your body does. Don't push through it. Breathe until that sensation softens. So you don't actually have to have it physically, you can visualize it. So close your eyes and visualize opening your app, your bank app, and looking and seeing that amount in your bank account. And maybe you click on it, maybe you look at your transactions, maybe you look at the deposit that came through. And then maybe now you think, okay, like where is all this money going to? And you decide where it goes based on that allocation you wrote down before, and you're visualizing it now. How how impactful visualization is to bring our dreams into reality. You're visualizing it. This is how you become someone who holds more and actually feels and embodies it. So you notice what your body does when you see this money, you're visualizing it with your eyes closed. You are breathing through it until the sensation softens and you're feeling where this money's allocating and you're feeling abundant as it's as it's allocating. You're feeling gracious because you know when you are gracious with your money and when you are fulfilled, when you are spending money or giving money to others, as we said before, being grateful for being able to pay that bill, the money comes back to you, usually two to threefold. So have that gratitude and hold on to any energies that might be a little tough for you if you're holding on to a number that feels out of range. And while you're doing all of this work to anchor in, you don't have to do every single thing. You do one, you could do all, whatever. Why not sprinkle in a little visualization as you're falling asleep? Neville Goddard talks about this being the most important part of your day if you want to manifest and bring something in. Why not visualize that you have this money in your bank account? Visualize the new job with the huge salary, visualize the abundance coming in and you're able to save and pay bills. Why not visualize as you fall asleep? Just to add that extra sprinkle of magic dust on top of all of this tangible that we just talked about. So bigger money doesn't arrive when you want it bad. It arrives when your body believes it can stay regulated while holding it. It's when your body feels safe holding on to the money and understands that you are deserving of it and that you have gratitude for it coming in. Repetition is what tells the nervous system this is safe. So you can keep doing this over and over and over again, or create your one little way that you do it every single day, or even creating and signing up for acorns or putting$20 aside every week, whatever it is. Start showing the universe that you are respectful of this energy, money, just energy, money. You're capable of holding on to more, and then creating that channel for it to come into your life. I'm sending you so much love. I'm sending you so much abundance. And I hope that this message helped you in any way, shape, or form to step into those beautiful moments when every day you're receiving$10,000,$20,000,$30,000, replacing that$100,$50 that you were receiving. Thank you for being here. Thank you for staying until the end. Until next time, talk to you soon. Bye.

SPEAKER_00 32:30

Thank you for being part of the Steeper Circle. Your support makes this work possible. And Nikki and I are truly grateful to share these teachings with you. Until next time, trust your path and honor your unfolding.