June 2, 2025 ā¢ 33 mins
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Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
You think unpaid debts only show up on your
credit report.
Baby, the universe has a ledgertoo and, trust me, it collects.
Just because Equifax doesn'tsee it doesn't mean the energy
you owe isn't still active,cycling back to you in ways you
never imagined.
Promotions blocked, blessingsdelayed, relationships strained
all because the energetic booksain't balanced.
(00:21):
In this episode, we're nottalking about Credit Karma, the
app.
We're talking about spiritualcredit karma, the invisible
transactions we make every timewe lend money without boundaries
, take more than we give orignore the financial promises we
make to others and ourselves.
If you've been wondering whyyour financial blessings feel
(00:46):
stuck, why money comes but won'tstay, or why you always seem to
fall back into the same moneypatterns, then you need to hear
this.
Let's talk about the real costof spiritual debt, how to clean
it up and how to activate thelaws of energetic reciprocity so
that your finances,relationships and abundance
(01:07):
finally align.
Welcome to Life Points withRhonda, where we talk about life
, love and elevation, not justfrom the surface but from the
soul.
In today's episode, we'rediving into a conversation that
blends spiritual truth withpractical power.
Credit karma is real, but notthe app, the energetic laws of
(01:31):
financial reciprocity.
You see.
Most people think their moneyissues are about budgeting,
credit scores or income.
But I'm here to tell you moneyis spiritual.
It carries intention, memory,emotion and energy.
Money is spiritual.
It carries intention, memory,emotion and energy.
Every time you give, lend,hoard, overspend or avoid a
financial responsibility, you'resetting off a chain of
(01:57):
energetic reactions that impactyour life in ways you don't
always see right away.
So if you've ever said I alwayshelp people but nobody shows up
for me, or I paid them back,why does it still feel off?
Or I just can't seem to keepmoney, then, baby, this episode
was made for you.
We're going to explore howspiritual credit builds, how
energetic debt accumulates andhow to restore your financial
(02:19):
flow by aligning with divinereciprocity, because, yes, the
energy of money knows whenyou're in right relationship
with it and when you're not.
Before we get into these divinereceipts and financial soul
contracts, I want you to do twothings for me, okay?
First, if you're enjoying thiskind of elevated conversation,
(02:41):
go ahead and smash that likebutton, hit subscribe and turn
on your notifications so younever miss an episode.
Second, share this episode withsomeone who always gives too
much or someone who never givesat all.
Let's balance these scalestogether.
And don't forget, you canalways find me on all platforms
(03:03):
under Life Points with Rhonda.
You can always find me on allplatforms under Life Points with
Rhonda, youtube, life Pointswith Rhonda, instagram, facebook
and TikTok.
At Life Points with RhondaWebsite
wwwlifepointswithrhondacomPodcast.
Life Points with Rhonda on allmajor streaming platforms.
Contact me directly atlifepointswithrhonda at gmailcom
(03:27):
.
And, as a free gift from me toyou, when you join the ManyChat
family using the link in thedescription, you'll get access
to a free downloadableaffirmation PDF, a healing
podcast episode and even achance to schedule a free
(03:48):
consultation to get your moneymindset on track.
All right now, I know your timeis valuable, so let's get
started, okay, and dive into theepisode.
What is energetic credit?
Let's break this down.
Just like your FICO scoretracks your creditworthiness in
the material world, the universetracks your spiritual
creditworthiness, your integrity, your follow-through, your
generosity and your boundaries.
This is what I call yourenergetic credit profile and,
(04:12):
unlike Experian, the universedoesn't need your social
security number.
It feels your vibration.
Energetic credit is built everytime you honor a commitment,
even a small one.
When you say I'll pay you backon Friday and you do, it's
logged.
When you borrow energy fromsomeone, whether that's
(04:32):
emotional, physical, spiritualor financial and return it with
gratitude or greater value,that's positive karma.
You're in energetic balance.
But when you ghost on debts,when you take without giving,
receive without gratitude ormake promises you don't intend
to keep, you create spiritualdebt.
(04:53):
You might not see it reflectedin your bank account right away,
but it shows up Suddenly.
You're blocked, Deals fallthrough, people stop responding,
opportunities feel delayed andyou're left wondering why money
slips through your fingers evenwhen you work hard the reason
(05:15):
You're out of energeticalignment.
Let me make this plain Money isnot just currency.
It's current, it flows, andwhen you disrupt that flow by
creating energetic IOUs, younever repay the current
backfires.
Life starts charging youinterest.
This is why some people live inscarcity cycles, even though
(05:36):
they're doing everything righton paper, because energetically
they're overdrawn.
And when you're spirituallyoverdrawn, no amount of
budgeting apps or side hustlescan replace the need to clear
your energy and honor your word.
This also includes the energyyou've given that's been taken
for granted.
We'll talk more about that inthe next section.
(05:59):
But understand this.
Energetic credit isn't justabout money.
It's about integrity, intentionand emotional reciprocity.
Every exchange, spoken orsilent, writes a line in your
energetic credit report.
So ask yourself have you been agood steward of your energy?
Have you overgiven andunder-received without setting
(06:23):
new terms?
Have you made spiritualwithdrawals you forgot to repay?
It's time to get honest,because the universe isn't
punishing you.
It's just balancing the books,how energetic debt builds and
why you're feeling the effectsnow.
Let's make something crystalclear right now you don't have
(06:43):
to physically owe money to bespiritually in debt.
Energetic debt builds in thebackground of our lives, in the
silences, in the emotionalimbalances, in the one-sided
relationships, in the promiseswe made and forgot, but the
universe never did.
It's not just about what youowe to others.
It's also about what you oweyourself.
(07:03):
You may be wondering if I'mdoing everything right, working
hard, giving generously, stayinghumble why does it still feel
like I'm blocked?
Here's why Because energeticdebt is sneaky.
It's not just about what yougave or didn't give.
It's about the imbalance in thegiving, and that imbalance may
have started years ago or evenin another generation.
(07:27):
Let's go deeper.
Every time you say yes when youwant to say no, stay silent
when you should speak truth,lend money or energy with
resentment in your heart.
Keep showing up for folks whonever show up for you.
Allow people to take from youroverflow without reciprocation.
You are building energetic debt, not just for them, but for
(07:49):
your own system.
You're saying to the universeit's okay, I don't need fair
exchange.
And the universe listens.
It mirrors what you accept.
So when you allow cycles ofimbalance, you unconsciously
cosign on your own depletion.
(08:09):
Now let's talk about the moneypiece, because, baby, this ain't
just spiritual, it's financialtoo.
Energetic debt shows up in thephysical as clients ghosting you
after you deliver value jobraises, getting delayed or
denied, unexpected expensesdraining your account, loved
(08:30):
ones borrowing money and neverrepaying, but you keep helping,
feeling like you're workingtwice as hard to earn half as
much.
You begin to operate insurvival mode while people
around you seem to manifest withease.
Why?
Because your energetic field isclogged with unacknowledged
transactions, promises made,boundaries ignored, spiritual
(08:53):
contracts breached.
And let's be real, some of thisdebt isn't even yours.
Some of you inherited emotionaland financial debts from your
family lineage.
You became the caregiver, thefixer, the responsible one in a
bloodline full of takers,avoiders or dreamers who never
(09:14):
followed through.
So you work yourself to thebone, trying to fix the
dysfunction that your ancestorsnever resolved, that's energetic
debt passed through DNA,reinforced by trauma and written
into your subconscious.
This debt can even be spiritualin nature.
Maybe you ignored an intuitivenudge, maybe you betrayed your
(09:36):
own path by shrinking to makesomeone else comfortable.
Or maybe someone prayed forhelp and you said I'll be there,
but never showed up and youwonder why your blessings seem
to be taking the long road toyou.
The truth is, the universe willdelay delivery until the terms
are clean, until your word isaligned, until your giving and
(09:59):
receiving is balanced, untilyour yes is sacred and your no
is respected, even by yourself.
So how do you know if you'recarrying energetic debt?
You might feel emotionallyexhausted for no clear reason,
blocked in your throat chakrastruggling to express truth or
(10:22):
boundaries Financially stuck,like your income doesn't reflect
your effort.
Thank you, cycles ofover-giving, under-earning and
(10:42):
emotional burnout.
Energetic debt is heavy becauseit's not just about you.
It's about all the energyyou've absorbed, all the roles
you've played and all theexpectations you've carried
without pause.
But here's the light Once youname it, you can heal it.
And healing doesn't mean givingup on people.
(11:05):
It means cleaning up theagreements, spiritually and
practically.
It means doing your part torestore balance without
martyring yourself.
It means releasing guilt around, saying no and reclaiming the
worthiness to receive.
Because here's the truth thatchanged my life you are not a
(11:25):
bank, you are not a bailout.
You are not a never-endingfaucet of forgiveness and
funding.
You are a divine being withenergetic value and the moment
you start treating yourself thatway, your life will reflect it.
How to repair energetic creditand reset your financial flow?
Now that you understand howenergetic debt builds, the next
(11:48):
step is restoration, not just ofyour finances, but of your
power.
Just like you can disputeerrors on a credit report, you
can also correct imbalances inyour spiritual record.
You don't have to stay stuck incycles of lack, burnout or
broken agreements, but you dohave to get radically honest,
intentional and consistent.
(12:10):
Let me say this with love youcannot manifest overflow while
your spirit is still paying offoverdraft fees.
And I don't just mean financialoverdraft, I mean emotional,
spiritual and energeticoverdrafts where you've been
giving more than you'rereceiving, hiding your truth or
running from old debts hopingtime will erase them.
But guess what?
(12:33):
You can begin the repairprocess right now.
Step one call it out.
The first step in resetting yourenergetic flow is
acknowledgement.
You've got to name where you'reenergetically out of alignment.
That includes money you owe buthaven't repaid, no matter how
small, people you've taken from,emotionally, even
(12:56):
unintentionally, Places you'veovergiven without boundaries,
promises you've made, andemotionally, even
unintentionally, places you'veovergiven without boundaries,
promises you've made and broken,even to yourself, agreements
you're still honoring out ofguilt, not alignment.
Sit with it.
No shame, no guilt, justhonesty, because the universe
doesn't operate on punishment,it operates on correction.
When you see it, you can shiftit.
(13:19):
Step two clear the clutter.
Once you've acknowledged wherethe energy is tangled, it's time
to clear it out.
Start with action, becauseintention without motion is
spiritual procrastination.
Pay back what you can, even ifit's just a small portion, with
(13:40):
a note of gratitude.
Send a voice note to someoneyou ghosted, apologizing and
taking accountability.
Cut cords with people you keeppouring into who no longer pour
into you.
Forgive someone who still owesyou and forgive yourself for
letting it go on this long.
Clearing the clutter meansenergetically closing open loops
.
When you do this, you send asignal to the universe I am now
(14:03):
in alignment, I am trustworthywith abundance, I am ready to
receive.
Step three rewrite youragreements.
Now it's time to set newenergetic terms.
Think of this as your spiritualcontract revision.
You get to declare what kind ofrelationships, exchanges and
(14:24):
abundance you allow.
Moving forward, say it out loudI no longer give from depletion
.
I release all spiritual IOUsthat no longer serve my highest
(14:51):
path.
I am in divine alignment withfinancial reciprocity.
Step four Say it over your bankaccount.
Write it on the mirror.
Let your nervous system getfamiliar with balanced abundance
.
Step four create an energeticgiving practice.
This is where the alchemyhappens.
Now that you've cleaned up olddebt, you get to build spiritual
(15:11):
wealth.
Just like a savings account,your energetic credit grows when
you give with clarity and joy,not obligation.
Account, your energetic creditgrows when you give with clarity
and joy, not obligation.
That means tip the barista andsay a silent prayer of
prosperity for them.
Gift someone somethingmeaningful with no expectation
(15:34):
of return.
Invest in yourself, whetherthat's therapy, education or
rest, because you are worthy ofenergetic deposits too.
Speak life into others.
Words are currency.
Elevate someone and you'll beelevated in return.
The more you pour fromalignment, the more the universe
pours into you.
This is what we callreciprocity in motion.
(15:55):
Step five keep your spiritualbooks balanced.
Don't wait until you feel brokeemotionally, spiritually or
financially to check in.
Make energetic bookkeeping aregular practice Once a week.
Ask yourself who did I give tothis week?
(16:17):
Did it feel aligned?
Where did I receive love,energy, money or support?
Did I honor it with gratitude?
What promise did I make, big orsmall, that I need to keep?
Did I borrow energy I haven'treturned?
Did I betray my own needs inthe name of being nice?
(16:40):
This isn't about perfection,it's about integrity.
The more you stay balanced, themore doors open for you.
The energy around you becomeslighter and you'll notice
opportunities, money,relationships and peace flowing
in like never before.
So here's your life point forthis section.
Financial freedom begins withenergetic freedom.
(17:03):
When you repair your spiritualcredit, your material credit
starts catching up.
When you show the universe thatyou're trustworthy with energy,
the blessings come withoutdelay and, most of all, you stop
feeling used, drained andinvisible, because now you're
(17:24):
not just spending money, you'recirculating power, and power
when honored multiplies.
How to protect your flow Onceit's restored boundaries,
discernment and divinedetachment.
You did the work.
You confronted the debt,cleaned the slate and called
your power back.
But here's the truth.
(17:44):
No one tells you.
Maintaining energetic alignmenttakes as much intention as
creating it, because lifedoesn't stop, people will still
ask, emergencies will stillhappen, old habits will whisper
and those same karmic tests youjust cleared.
They love to circle back justto make sure you really learned.
(18:07):
So how do you stay in integritywith your flow?
By protecting it like royalty.
Let's start with the foundation.
Boundaries are your bank vault.
Let's start with the foundation.
Boundaries are your bank vault.
A healed energy field stillneeds a lock and key.
You don't build wealth, peaceor spiritual credit without
protecting it.
And the truth is many peopleare not trying to be malicious.
(18:30):
They're just used to you beingalways available, always
generous, always sacrificing.
But now that version of you hasretired no-transcript.
If it confuses your spirit,it's not aligned.
If it drains your energy, it'snot your responsibility.
(18:52):
Set boundaries without apologyand understand this.
A boundary is not a wall, it'sa door with criteria.
You get to decide who comesthrough and under what terms,
not out of pettiness, but out ofself-respect.
When you don't set the terms,you unconsciously invite chaos
to make the rules.
Self-respect when you don't setthe terms, you unconsciously
(19:16):
invite chaos to make the rules.
Discernment is your spiritualcredit score monitor.
Once your energetic balance isrestored, you have to be
vigilant about who and what youlet back into your frequency.
Old energy will often returndressed in new clothes.
An old situationship mightreach out, a draining client may
come back needing one moresession.
Even your own inner people,pleaser, might whisper.
(19:37):
Just say, yes, it won't hurt.
But this is where discernmentcomes in.
Ask yourself does this requestalign with the new version of me
?
Am I giving from fullness orout of fear of being seen as
selfish?
Does this exchange reflect thevalue of my time, wisdom or
(20:01):
emotional labor?
Discernment protects your yesfrom being abused and your no
from being forgotten.
It keeps your energetic fieldclean, elevated and in motion.
Divine detachment Don't chase,circulate.
Let's talk about one of themost misunderstood tools of
energetic wealth detachment.
(20:22):
When you repair your energy andopen yourself to abundance, the
temptation is to hold on tight,to chase every opportunity,
secure every coin, make sureeverything and everyone stays
exactly how you want it.
But in spiritual law, controlcreates resistance.
Flow can't thrive in fear.
Divine detachment means thisyou do your part, plant the
(20:46):
seeds, speak the truth, move inintegrity and then you release
control over the how and when.
You trust that what is yourscannot miss you and what isn't
meant for you won't stick, nomatter how hard you try to keep
it.
When you're energeticallyaligned, money flows without
desperation.
Clients come without chasing.
Opportunities find you insteadof you forcing the door open.
(21:10):
Your job is to stay magnetized,not frantic Daily practices to
stay spiritually wealthy.
Let's make this real.
Here's how you keep your energyclean, clear and wealthy every
single day Morning alignment,check in, ask where is my energy
today?
What do I need before I give toothers?
(21:31):
Spiritual tithing?
Give your energy where you feelseen, respected and uplifted.
That's where the returnmultiplies.
Sacred, no Ritual Practice.
Saying no with peace andcertainty.
Journal what you're saying noto and why it's liberating
(21:54):
Wealth protection Affirmation Ihonor my time.
I protect my peace.
I trust the flow.
I circulate, not chase.
My energy is sacred currencyGratitude Ledger At the end of
each day, day, write down whereyou received abundance, money,
(22:14):
love, support, inspiration andspeak thanks aloud.
Life point reminder you are notjust earning money, you are
managing energy.
Every transaction, every, everyboundary is a spiritual deposit
or withdrawal.
And when you protect yourenergetic bank account with
(22:35):
discernment, alignment anddetachment, you don't just
survive, you thrive.
Abundance isn't a fantasy, it'sa frequency and your job now is
to stay in tune with it daily,deliberately, devotionally.
Wealth is a vibration, not anumber.
Let's be clear.
(22:55):
Wealth is not just about howmuch is in your bank account.
True wealth is about how youfeel when you wake up.
It's about the freedom to sayyes to what lights you up and no
to what drains you.
It's about alignment, purpose,peace, ownership, overflow.
(23:15):
But in order to live that way,you have to retrain your mind
and your spirit to see money asa vibration, not just a dollar
amount.
Because here's the hard truthmost people miss you can make
six figures and still be brokenspirit.
You can be debt free and stillbe energetically bankrupt.
You can have savings but noself-worth, and that's not
(23:40):
wealth, that's survival indesigner clothing.
The real shift happens when youstop asking how much money do I
have and start asking how doesmy money feel?
Does it move with joy orobligation?
Do I feel worthy when I receiveor guilty?
(24:05):
Am I attracting with ease orchasing in desperation?
Reprogramming your wealthvibration To truly elevate you
have to shift out of lackthinking.
Thank you, phrases like moneydoesn't grow on trees.
(24:28):
We can't afford that.
I'll always be broke.
These are energetic contractsthat bind your spirit to lack.
Rewrite them, try.
Abundance is my birthright.
Money flows to me with ease andgrace.
Every dollar I receive is ablessing and I'm worthy of more.
(24:53):
Balance your currency with yourcalling.
Ask yourself am I being paidfor my energy or just my effort?
Do my prices reflect my wisdomor my insecurity?
Where am I discounting myselfemotionally or spiritually?
When your inner worth rises,your outer prices?
(25:13):
Follow and listen.
If you're undercharging,overgiving or playing small
because you're afraid peoplewon't value, you guess what
You're training the universe todo the same.
Infuse your finances with ritual.
Turn money into a sacredpractice.
(25:35):
That means blessing everyinvoice before you send it,
saying a prayer of gratitudeevery time you pay a bill.
May this payment return to memultiplied in ease and joy,
keeping money in beautifulenvelopes or sacred boxes
instead of crumpled in yourpurse, lighting a candle and
(25:56):
affirming over your bank accountmy wealth is protected, my
blessings are sacred, my energyis abundant.
When you treat your money likesomething holy, it shows up that
way Time, energy and attentionyour three richest currencies.
Don't get it twisted.
(26:17):
Your money is important, butit's not your only form of
wealth.
In fact, some of the mostpowerful forms of currency you
have are your time.
Once spent never regained.
Your energy, the fuel of yourpurpose, your attention, what
you focus on, grows.
When you start treating theselike gold, everything changes.
(26:41):
You stop wasting time on peoplewho don't value you.
You stop giving your energy towhat doesn't nourish you.
You stop letting your attentionget hijacked by fear, gossip or
chaos.
You begin to live like aspiritually wealthy person, not
because you have it all, butbecause you finally understand
that you are it all.
You are the blessing, you arethe resource, you are the
(27:03):
investment.
The ancestors prayed intoexistence.
Life point for this section.
Real wealth doesn't start inyour wallet.
It starts in your womb, yourword and your worth.
When your energy is aligned,your vibration is elevated and
your boundaries are rooted inlove, not lack.
Your finances become a mirrorof your healing.
(27:25):
You don't have to hustle yourway to abundance.
You align your way there, youhonor your way there, you
vibrate your way there.
Final reflection your soul'scredit union is always open.
You are not here to survive incycles of lack.
(27:46):
You are not here to be thestrong one who gets left
depleted.
Thank you the truth.
The world may not alwaysrecognize your value, but your
(28:11):
soul, it never forgets.
There is a sacred place withinyou that keeps receipts of every
prayer you've whispered, everyseed you've planted, every act
of generosity you've offered,even when it went unseen.
That place is your soul'scredit union, and it's not
limited by interest rates, zipcodes or systemic injustice.
(28:32):
It's limitless and it's yours.
When you honor your word, whenyou make peace with your past
debts, when you choose peaceover performance and alignment
over approval, you're makingdeposits that compound in ways
money never could.
You're building spiritualcapital and, baby, spiritual
(28:53):
capital is recession-proof.
You've already paid a price foryour wisdom with heartbreak,
hard lessons, betrayal andsacrifice.
But that cost was not in vain.
It was an investment, and nowyou are the return.
So today I want you to speaklife into your account.
(29:15):
I am spiritually solvent, I amemotionally balanced, I am
financially aligned.
My energy is my currency and Ispend it wisely.
My blessings are never delayed,they're perfectly timed.
I release old debts, I receivedivine deposits.
I circulate in overflow Because, from this moment on, you are
(29:41):
no longer borrowing your worthfrom anyone else's validation.
You are no longer overgiving inspaces that don't give back.
You are no longer overgiving inspaces that don't give back.
You are no longer waiting forsomeone to see you.
You see yourself now, and thatis the highest form of wealth
there is.
So walk into this week like yourancestors are backing every
(30:03):
transaction.
Move like the universe justapproved your elevation loan.
Speak like your words.
Carry interest and rest knowingthat what you've put out in
good faith is on its way back,multiplied.
You don't owe lack another dayof your life.
You've paid enough.
(30:25):
Now it's time to collect withgrace.
If this episode moved, youdon't keep it to yourself.
Share it with someone who needsto hear that abundance is
spiritual, not just financial.
Subscribe to Life Points withRhonda on YouTube, spotify,
apple, wherever you tune in, andremember I'm always here with
(30:46):
tools, truths and transformationfor your journey.
Join our mini chat circle toget your free affirmation guide,
your healing audio and a freeconsultation gift to help you
recalibrate and manifest withclarity.
Wwwlifepointswithrondacom.
Lifepointswithronda at gmailcom.
(31:08):
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No-transcript.
You think unpaid debts only show up on your
credit report.
Baby, the universe has a ledgertoo and, trust me, it collects.
Just because Equifax doesn'tsee it doesn't mean the energy
you owe isn't still active,cycling back to you in ways you
never imagined.
Promotions blocked, blessingsdelayed, relationships strained
all because the energetic booksain't balanced.
(00:21):
In this episode, we're nottalking about Credit Karma, the
app.
We're talking about spiritualcredit karma, the invisible
transactions we make every timewe lend money without boundaries
, take more than we give orignore the financial promises we
make to others and ourselves.
If you've been wondering whyyour financial blessings feel
(00:46):
stuck, why money comes but won'tstay, or why you always seem to
fall back into the same moneypatterns, then you need to hear
this.
Let's talk about the real costof spiritual debt, how to clean
it up and how to activate thelaws of energetic reciprocity so
that your finances,relationships and abundance
(01:07):
finally align.
Welcome to Life Points withRhonda, where we talk about life
, love and elevation, not justfrom the surface but from the
soul.
In today's episode, we'rediving into a conversation that
blends spiritual truth withpractical power.
Credit karma is real, but notthe app, the energetic laws of
(01:31):
financial reciprocity.
You see.
Most people think their moneyissues are about budgeting,
credit scores or income.
But I'm here to tell you moneyis spiritual.
It carries intention, memory,emotion and energy.
Money is spiritual.
It carries intention, memory,emotion and energy.
Every time you give, lend,hoard, overspend or avoid a
financial responsibility, you'resetting off a chain of
(01:57):
energetic reactions that impactyour life in ways you don't
always see right away.
So if you've ever said I alwayshelp people but nobody shows up
for me, or I paid them back,why does it still feel off?
Or I just can't seem to keepmoney, then, baby, this episode
was made for you.
We're going to explore howspiritual credit builds, how
energetic debt accumulates andhow to restore your financial
(02:19):
flow by aligning with divinereciprocity, because, yes, the
energy of money knows whenyou're in right relationship
with it and when you're not.
Before we get into these divinereceipts and financial soul
contracts, I want you to do twothings for me, okay?
First, if you're enjoying thiskind of elevated conversation,
(02:41):
go ahead and smash that likebutton, hit subscribe and turn
on your notifications so younever miss an episode.
Second, share this episode withsomeone who always gives too
much or someone who never givesat all.
Let's balance these scalestogether.
And don't forget, you canalways find me on all platforms
(03:03):
under Life Points with Rhonda.
You can always find me on allplatforms under Life Points with
Rhonda, youtube, life Pointswith Rhonda, instagram, facebook
and TikTok.
At Life Points with RhondaWebsite
wwwlifepointswithrhondacomPodcast.
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Contact me directly atlifepointswithrhonda at gmailcom
(03:27):
.
And, as a free gift from me toyou, when you join the ManyChat
family using the link in thedescription, you'll get access
to a free downloadableaffirmation PDF, a healing
podcast episode and even achance to schedule a free
(03:48):
consultation to get your moneymindset on track.
All right now, I know your timeis valuable, so let's get
started, okay, and dive into theepisode.
What is energetic credit?
Let's break this down.
Just like your FICO scoretracks your creditworthiness in
the material world, the universetracks your spiritual
creditworthiness, your integrity, your follow-through, your
generosity and your boundaries.
This is what I call yourenergetic credit profile and,
(04:12):
unlike Experian, the universedoesn't need your social
security number.
It feels your vibration.
Energetic credit is built everytime you honor a commitment,
even a small one.
When you say I'll pay you backon Friday and you do, it's
logged.
When you borrow energy fromsomeone, whether that's
(04:32):
emotional, physical, spiritualor financial and return it with
gratitude or greater value,that's positive karma.
You're in energetic balance.
But when you ghost on debts,when you take without giving,
receive without gratitude ormake promises you don't intend
to keep, you create spiritualdebt.
(04:53):
You might not see it reflectedin your bank account right away,
but it shows up Suddenly.
You're blocked, Deals fallthrough, people stop responding,
opportunities feel delayed andyou're left wondering why money
slips through your fingers evenwhen you work hard the reason
(05:15):
You're out of energeticalignment.
Let me make this plain Money isnot just currency.
It's current, it flows, andwhen you disrupt that flow by
creating energetic IOUs, younever repay the current
backfires.
Life starts charging youinterest.
This is why some people live inscarcity cycles, even though
(05:36):
they're doing everything righton paper, because energetically
they're overdrawn.
And when you're spirituallyoverdrawn, no amount of
budgeting apps or side hustlescan replace the need to clear
your energy and honor your word.
This also includes the energyyou've given that's been taken
for granted.
We'll talk more about that inthe next section.
(05:59):
But understand this.
Energetic credit isn't justabout money.
It's about integrity, intentionand emotional reciprocity.
Every exchange, spoken orsilent, writes a line in your
energetic credit report.
So ask yourself have you been agood steward of your energy?
Have you overgiven andunder-received without setting
(06:23):
new terms?
Have you made spiritualwithdrawals you forgot to repay?
It's time to get honest,because the universe isn't
punishing you.
It's just balancing the books,how energetic debt builds and
why you're feeling the effectsnow.
Let's make something crystalclear right now you don't have
(06:43):
to physically owe money to bespiritually in debt.
Energetic debt builds in thebackground of our lives, in the
silences, in the emotionalimbalances, in the one-sided
relationships, in the promiseswe made and forgot, but the
universe never did.
It's not just about what youowe to others.
It's also about what you oweyourself.
(07:03):
You may be wondering if I'mdoing everything right, working
hard, giving generously, stayinghumble why does it still feel
like I'm blocked?
Here's why Because energeticdebt is sneaky.
It's not just about what yougave or didn't give.
It's about the imbalance in thegiving, and that imbalance may
have started years ago or evenin another generation.
(07:27):
Let's go deeper.
Every time you say yes when youwant to say no, stay silent
when you should speak truth,lend money or energy with
resentment in your heart.
Keep showing up for folks whonever show up for you.
Allow people to take from youroverflow without reciprocation.
You are building energetic debt, not just for them, but for
(07:49):
your own system.
You're saying to the universeit's okay, I don't need fair
exchange.
And the universe listens.
It mirrors what you accept.
So when you allow cycles ofimbalance, you unconsciously
cosign on your own depletion.
(08:09):
Now let's talk about the moneypiece, because, baby, this ain't
just spiritual, it's financialtoo.
Energetic debt shows up in thephysical as clients ghosting you
after you deliver value jobraises, getting delayed or
denied, unexpected expensesdraining your account, loved
(08:30):
ones borrowing money and neverrepaying, but you keep helping,
feeling like you're workingtwice as hard to earn half as
much.
You begin to operate insurvival mode while people
around you seem to manifest withease.
Why?
Because your energetic field isclogged with unacknowledged
transactions, promises made,boundaries ignored, spiritual
(08:53):
contracts breached.
And let's be real, some of thisdebt isn't even yours.
Some of you inherited emotionaland financial debts from your
family lineage.
You became the caregiver, thefixer, the responsible one in a
bloodline full of takers,avoiders or dreamers who never
(09:14):
followed through.
So you work yourself to thebone, trying to fix the
dysfunction that your ancestorsnever resolved, that's energetic
debt passed through DNA,reinforced by trauma and written
into your subconscious.
This debt can even be spiritualin nature.
Maybe you ignored an intuitivenudge, maybe you betrayed your
(09:36):
own path by shrinking to makesomeone else comfortable.
Or maybe someone prayed forhelp and you said I'll be there,
but never showed up and youwonder why your blessings seem
to be taking the long road toyou.
The truth is, the universe willdelay delivery until the terms
are clean, until your word isaligned, until your giving and
(09:59):
receiving is balanced, untilyour yes is sacred and your no
is respected, even by yourself.
So how do you know if you'recarrying energetic debt?
You might feel emotionallyexhausted for no clear reason,
blocked in your throat chakrastruggling to express truth or
(10:22):
boundaries Financially stuck,like your income doesn't reflect
your effort.
Thank you, cycles ofover-giving, under-earning and
(10:42):
emotional burnout.
Energetic debt is heavy becauseit's not just about you.
It's about all the energyyou've absorbed, all the roles
you've played and all theexpectations you've carried
without pause.
But here's the light Once youname it, you can heal it.
And healing doesn't mean givingup on people.
(11:05):
It means cleaning up theagreements, spiritually and
practically.
It means doing your part torestore balance without
martyring yourself.
It means releasing guilt around, saying no and reclaiming the
worthiness to receive.
Because here's the truth thatchanged my life you are not a
(11:25):
bank, you are not a bailout.
You are not a never-endingfaucet of forgiveness and
funding.
You are a divine being withenergetic value and the moment
you start treating yourself thatway, your life will reflect it.
How to repair energetic creditand reset your financial flow?
Now that you understand howenergetic debt builds, the next
(11:48):
step is restoration, not just ofyour finances, but of your
power.
Just like you can disputeerrors on a credit report, you
can also correct imbalances inyour spiritual record.
You don't have to stay stuck incycles of lack, burnout or
broken agreements, but you dohave to get radically honest,
intentional and consistent.
(12:10):
Let me say this with love youcannot manifest overflow while
your spirit is still paying offoverdraft fees.
And I don't just mean financialoverdraft, I mean emotional,
spiritual and energeticoverdrafts where you've been
giving more than you'rereceiving, hiding your truth or
running from old debts hopingtime will erase them.
But guess what?
(12:33):
You can begin the repairprocess right now.
Step one call it out.
The first step in resetting yourenergetic flow is
acknowledgement.
You've got to name where you'reenergetically out of alignment.
That includes money you owe buthaven't repaid, no matter how
small, people you've taken from,emotionally, even
(12:56):
unintentionally, Places you'veovergiven without boundaries,
promises you've made, andemotionally, even
unintentionally, places you'veovergiven without boundaries,
promises you've made and broken,even to yourself, agreements
you're still honoring out ofguilt, not alignment.
Sit with it.
No shame, no guilt, justhonesty, because the universe
doesn't operate on punishment,it operates on correction.
When you see it, you can shiftit.
(13:19):
Step two clear the clutter.
Once you've acknowledged wherethe energy is tangled, it's time
to clear it out.
Start with action, becauseintention without motion is
spiritual procrastination.
Pay back what you can, even ifit's just a small portion, with
(13:40):
a note of gratitude.
Send a voice note to someoneyou ghosted, apologizing and
taking accountability.
Cut cords with people you keeppouring into who no longer pour
into you.
Forgive someone who still owesyou and forgive yourself for
letting it go on this long.
Clearing the clutter meansenergetically closing open loops
.
When you do this, you send asignal to the universe I am now
(14:03):
in alignment, I am trustworthywith abundance, I am ready to
receive.
Step three rewrite youragreements.
Now it's time to set newenergetic terms.
Think of this as your spiritualcontract revision.
You get to declare what kind ofrelationships, exchanges and
(14:24):
abundance you allow.
Moving forward, say it out loudI no longer give from depletion
.
I release all spiritual IOUsthat no longer serve my highest
(14:51):
path.
I am in divine alignment withfinancial reciprocity.
Step four Say it over your bankaccount.
Write it on the mirror.
Let your nervous system getfamiliar with balanced abundance
.
Step four create an energeticgiving practice.
This is where the alchemyhappens.
Now that you've cleaned up olddebt, you get to build spiritual
(15:11):
wealth.
Just like a savings account,your energetic credit grows when
you give with clarity and joy,not obligation.
Account, your energetic creditgrows when you give with clarity
and joy, not obligation.
That means tip the barista andsay a silent prayer of
prosperity for them.
Gift someone somethingmeaningful with no expectation
(15:34):
of return.
Invest in yourself, whetherthat's therapy, education or
rest, because you are worthy ofenergetic deposits too.
Speak life into others.
Words are currency.
Elevate someone and you'll beelevated in return.
The more you pour fromalignment, the more the universe
pours into you.
This is what we callreciprocity in motion.
(15:55):
Step five keep your spiritualbooks balanced.
Don't wait until you feel brokeemotionally, spiritually or
financially to check in.
Make energetic bookkeeping aregular practice Once a week.
Ask yourself who did I give tothis week?
(16:17):
Did it feel aligned?
Where did I receive love,energy, money or support?
Did I honor it with gratitude?
What promise did I make, big orsmall, that I need to keep?
Did I borrow energy I haven'treturned?
Did I betray my own needs inthe name of being nice?
(16:40):
This isn't about perfection,it's about integrity.
The more you stay balanced, themore doors open for you.
The energy around you becomeslighter and you'll notice
opportunities, money,relationships and peace flowing
in like never before.
So here's your life point forthis section.
Financial freedom begins withenergetic freedom.
(17:03):
When you repair your spiritualcredit, your material credit
starts catching up.
When you show the universe thatyou're trustworthy with energy,
the blessings come withoutdelay and, most of all, you stop
feeling used, drained andinvisible, because now you're
(17:24):
not just spending money, you'recirculating power, and power
when honored multiplies.
How to protect your flow Onceit's restored boundaries,
discernment and divinedetachment.
You did the work.
You confronted the debt,cleaned the slate and called
your power back.
But here's the truth.
(17:44):
No one tells you.
Maintaining energetic alignmenttakes as much intention as
creating it, because lifedoesn't stop, people will still
ask, emergencies will stillhappen, old habits will whisper
and those same karmic tests youjust cleared.
They love to circle back justto make sure you really learned.
(18:07):
So how do you stay in integritywith your flow?
By protecting it like royalty.
Let's start with the foundation.
Boundaries are your bank vault.
Let's start with the foundation.
Boundaries are your bank vault.
A healed energy field stillneeds a lock and key.
You don't build wealth, peaceor spiritual credit without
protecting it.
And the truth is many peopleare not trying to be malicious.
(18:30):
They're just used to you beingalways available, always
generous, always sacrificing.
But now that version of you hasretired no-transcript.
If it confuses your spirit,it's not aligned.
If it drains your energy, it'snot your responsibility.
(18:52):
Set boundaries without apologyand understand this.
A boundary is not a wall, it'sa door with criteria.
You get to decide who comesthrough and under what terms,
not out of pettiness, but out ofself-respect.
When you don't set the terms,you unconsciously invite chaos
to make the rules.
Self-respect when you don't setthe terms, you unconsciously
(19:16):
invite chaos to make the rules.
Discernment is your spiritualcredit score monitor.
Once your energetic balance isrestored, you have to be
vigilant about who and what youlet back into your frequency.
Old energy will often returndressed in new clothes.
An old situationship mightreach out, a draining client may
come back needing one moresession.
Even your own inner people,pleaser, might whisper.
(19:37):
Just say, yes, it won't hurt.
But this is where discernmentcomes in.
Ask yourself does this requestalign with the new version of me
?
Am I giving from fullness orout of fear of being seen as
selfish?
Does this exchange reflect thevalue of my time, wisdom or
(20:01):
emotional labor?
Discernment protects your yesfrom being abused and your no
from being forgotten.
It keeps your energetic fieldclean, elevated and in motion.
Divine detachment Don't chase,circulate.
Let's talk about one of themost misunderstood tools of
energetic wealth detachment.
(20:22):
When you repair your energy andopen yourself to abundance, the
temptation is to hold on tight,to chase every opportunity,
secure every coin, make sureeverything and everyone stays
exactly how you want it.
But in spiritual law, controlcreates resistance.
Flow can't thrive in fear.
Divine detachment means thisyou do your part, plant the
(20:46):
seeds, speak the truth, move inintegrity and then you release
control over the how and when.
You trust that what is yourscannot miss you and what isn't
meant for you won't stick, nomatter how hard you try to keep
it.
When you're energeticallyaligned, money flows without
desperation.
Clients come without chasing.
Opportunities find you insteadof you forcing the door open.
(21:10):
Your job is to stay magnetized,not frantic Daily practices to
stay spiritually wealthy.
Let's make this real.
Here's how you keep your energyclean, clear and wealthy every
single day Morning alignment,check in, ask where is my energy
today?
What do I need before I give toothers?
(21:31):
Spiritual tithing?
Give your energy where you feelseen, respected and uplifted.
That's where the returnmultiplies.
Sacred, no Ritual Practice.
Saying no with peace andcertainty.
Journal what you're saying noto and why it's liberating
(21:54):
Wealth protection Affirmation Ihonor my time.
I protect my peace.
I trust the flow.
I circulate, not chase.
My energy is sacred currencyGratitude Ledger At the end of
each day, day, write down whereyou received abundance, money,
(22:14):
love, support, inspiration andspeak thanks aloud.
Life point reminder you are notjust earning money, you are
managing energy.
Every transaction, every, everyboundary is a spiritual deposit
or withdrawal.
And when you protect yourenergetic bank account with
(22:35):
discernment, alignment anddetachment, you don't just
survive, you thrive.
Abundance isn't a fantasy, it'sa frequency and your job now is
to stay in tune with it daily,deliberately, devotionally.
Wealth is a vibration, not anumber.
Let's be clear.
(22:55):
Wealth is not just about howmuch is in your bank account.
True wealth is about how youfeel when you wake up.
It's about the freedom to sayyes to what lights you up and no
to what drains you.
It's about alignment, purpose,peace, ownership, overflow.
(23:15):
But in order to live that way,you have to retrain your mind
and your spirit to see money asa vibration, not just a dollar
amount.
Because here's the hard truthmost people miss you can make
six figures and still be brokenspirit.
You can be debt free and stillbe energetically bankrupt.
You can have savings but noself-worth, and that's not
(23:40):
wealth, that's survival indesigner clothing.
The real shift happens when youstop asking how much money do I
have and start asking how doesmy money feel?
Does it move with joy orobligation?
Do I feel worthy when I receiveor guilty?
(24:05):
Am I attracting with ease orchasing in desperation?
Reprogramming your wealthvibration To truly elevate you
have to shift out of lackthinking.
Thank you, phrases like moneydoesn't grow on trees.
(24:28):
We can't afford that.
I'll always be broke.
These are energetic contractsthat bind your spirit to lack.
Rewrite them, try.
Abundance is my birthright.
Money flows to me with ease andgrace.
Every dollar I receive is ablessing and I'm worthy of more.
(24:53):
Balance your currency with yourcalling.
Ask yourself am I being paidfor my energy or just my effort?
Do my prices reflect my wisdomor my insecurity?
Where am I discounting myselfemotionally or spiritually?
When your inner worth rises,your outer prices?
(25:13):
Follow and listen.
If you're undercharging,overgiving or playing small
because you're afraid peoplewon't value, you guess what
You're training the universe todo the same.
Infuse your finances with ritual.
Turn money into a sacredpractice.
(25:35):
That means blessing everyinvoice before you send it,
saying a prayer of gratitudeevery time you pay a bill.
May this payment return to memultiplied in ease and joy,
keeping money in beautifulenvelopes or sacred boxes
instead of crumpled in yourpurse, lighting a candle and
(25:56):
affirming over your bank accountmy wealth is protected, my
blessings are sacred, my energyis abundant.
When you treat your money likesomething holy, it shows up that
way Time, energy and attentionyour three richest currencies.
Don't get it twisted.
(26:17):
Your money is important, butit's not your only form of
wealth.
In fact, some of the mostpowerful forms of currency you
have are your time.
Once spent never regained.
Your energy, the fuel of yourpurpose, your attention, what
you focus on, grows.
When you start treating theselike gold, everything changes.
(26:41):
You stop wasting time on peoplewho don't value you.
You stop giving your energy towhat doesn't nourish you.
You stop letting your attentionget hijacked by fear, gossip or
chaos.
You begin to live like aspiritually wealthy person, not
because you have it all, butbecause you finally understand
that you are it all.
You are the blessing, you arethe resource, you are the
(27:03):
investment.
The ancestors prayed intoexistence.
Life point for this section.
Real wealth doesn't start inyour wallet.
It starts in your womb, yourword and your worth.
When your energy is aligned,your vibration is elevated and
your boundaries are rooted inlove, not lack.
Your finances become a mirrorof your healing.
(27:25):
You don't have to hustle yourway to abundance.
You align your way there, youhonor your way there, you
vibrate your way there.
Final reflection your soul'scredit union is always open.
You are not here to survive incycles of lack.
(27:46):
You are not here to be thestrong one who gets left
depleted.
Thank you the truth.
The world may not alwaysrecognize your value, but your
(28:11):
soul, it never forgets.
There is a sacred place withinyou that keeps receipts of every
prayer you've whispered, everyseed you've planted, every act
of generosity you've offered,even when it went unseen.
That place is your soul'scredit union, and it's not
limited by interest rates, zipcodes or systemic injustice.
(28:32):
It's limitless and it's yours.
When you honor your word, whenyou make peace with your past
debts, when you choose peaceover performance and alignment
over approval, you're makingdeposits that compound in ways
money never could.
You're building spiritualcapital and, baby, spiritual
(28:53):
capital is recession-proof.
You've already paid a price foryour wisdom with heartbreak,
hard lessons, betrayal andsacrifice.
But that cost was not in vain.
It was an investment, and nowyou are the return.
So today I want you to speaklife into your account.
(29:15):
I am spiritually solvent, I amemotionally balanced, I am
financially aligned.
My energy is my currency and Ispend it wisely.
My blessings are never delayed,they're perfectly timed.
I release old debts, I receivedivine deposits.
I circulate in overflow Because, from this moment on, you are
(29:41):
no longer borrowing your worthfrom anyone else's validation.
You are no longer overgiving inspaces that don't give back.
You are no longer overgiving inspaces that don't give back.
You are no longer waiting forsomeone to see you.
You see yourself now, and thatis the highest form of wealth
there is.
So walk into this week like yourancestors are backing every
(30:03):
transaction.
Move like the universe justapproved your elevation loan.
Speak like your words.
Carry interest and rest knowingthat what you've put out in
good faith is on its way back,multiplied.
You don't owe lack another dayof your life.
You've paid enough.
(30:25):
Now it's time to collect withgrace.
If this episode moved, youdon't keep it to yourself.
Share it with someone who needsto hear that abundance is
spiritual, not just financial.
Subscribe to Life Points withRhonda on YouTube, spotify,
apple, wherever you tune in, andremember I'm always here with
(30:46):
tools, truths and transformationfor your journey.
Join our mini chat circle toget your free affirmation guide,
your healing audio and a freeconsultation gift to help you
recalibrate and manifest withclarity.
Wwwlifepointswithrondacom.
Lifepointswithronda at gmailcom.
(31:08):
Podcast.
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