November 24, 2025 • 8 mins
Monthly Workshops: (https://generatealifewelllived.com/workshops)
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In this episode, you’ll learn:
- Why having a goal of paying off debt keeps you stuck in scarcity
- How the subconscious mind amplifies the words you repeat
- Replacing debt goals with heart led goals
- Choosing value, impact, and revenue as your compass
Resources mentioned in this episode:
Working With the Law by Raymond Holliwell
Other ways to connect with me:
Come learn with me in my monthly workshops
➡️ Join here
Grab your free Human Design chart
➡️ Schedule your free clarity call here
From my soul to yours,
Erin
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Erin Gray (00:00):
Today we're going to be diving into a topic that some
women in business have thoughtabout at some point.
I know this because when Ireceive the form that you
complete when you want to sitdown and visit with me, um,
paying off debt is one of thosethings that is often on there.
And this also is with otherwomen that I visit with and talk
(00:25):
to.
And so I want to discuss todayabout focusing your energy or
having a goal of paying off thedebt.
And I'm going to get into why Ithink that this is not the
energy that we want to be in.
Also, before we dive in, I wantto invite you to workshop that
I am hosting on Tuesday,December 16th at 10 a.m.
Mountain Standard Time.
(00:46):
We are going to be diving intohow to have money conversations
with your spouse without theconflict so that there aren't
any shutdowns or defensivenessor argumentativeness, no walking
on eggshells or whatever it isthat you might be feeling when
you want to have moneyconversations with your spouse.
So if you want morecommunication that feels more
(01:08):
grounded and connected insteadof tense or full of friction,
come join us on Tuesday,December 16th at 10 a.m.
Mountain Standard Time, and Iwill put the link in the show
notes to register.
So because I believe that weare all energy, what you focus
on grows.
And I think sometimes whenwe're doing this work, we have a
(01:32):
tendency or maybe we have beentaught to focus on what we don't
want.
And that hasn't necessarilybeen said outright by our
parents to us.
But that is sometimes it'salmost like, well, let's solve
for the problem versus focusingon what we want.
And when you think about debt,when you think about paying off
(01:52):
debt, when you think aboutpaying down debt, what your
subconscious, all that yoursubconscious hears is debt,
debt, debt, debt, debt.
And the subconscious doesn'thear yes or no.
It just hears yes.
So when you say, I don't wantto have more debt, what the
(02:15):
subconscious hears is, I wantmore debt.
When you say, I want to makemore money, your subconscious
hears, make more money.
So really start to payattention to your language, to
the words, obviously, that youuse, what you are actually
focusing on, because they arethe same side of the coin,
(02:35):
right?
Making more money, getting outof debt, opposite sides of the
same coin.
That's what I should say.
It's the same coin, it's justthe opposite sides of it.
So when you are focusing onmaking more money, by default,
you will be able to pay off yourdebt.
When you focus on paying downyour debt, all you're thinking
about is paying and you know,debt and paying off the debt.
(03:00):
So really start to focus onwhat you want.
I want to read you a passagefrom the book.
It's called Working with theLaw.
It's by Raymond Hollowell.
It's 11 Truth Principles forSuccessful Living.
I highly recommend this book.
I also recommend reading itmultiple times at different
(03:20):
levels of your consciousness andyour awareness so that you can
absorb it and receive themessages at a deeper level.
And in this specific chapter,I'm reading off of page 31, he
talks about the law of thinking.
And what he says is, and thisis why I wanted to read this to
you, because it has to do withlike what are you focusing on?
(03:40):
He says, some think that wemust deal with two forces.
That is, to attract the good,we must do away with the bad.
But this is not true.
For example, if we are cold, wedo not work with cold and heat
alike in order to get warm.
What we do is we build a fire,and as we gather around the
(04:04):
fire, we enjoy the heat that isextended from it and become
warm.
And as we build up warmth, thecold disappears.
For cold is the absence ofheat.
To be warm, we give our wholethought to the things which tend
to create warmth.
We ignore the cold in thinkingof heat and bring forth heat.
(04:31):
Prosperity and poverty are nottwo things, they are merely two
sides of one and the same thing.
They are but one power, rightlyor wrongly used.
We cannot think of plenty andthen worry about the unfavorable
conditions that may seemapparent.
We think about plenty, and aswe think of it, lack, its
(04:55):
opposite, will become absorbedor disappear.
All of our thoughts must bedirected to that one thing which
we desire in order that ourdesires may be fulfilled.
So I want you to really stopand think about, because I've
talked about this before of likethere's just abundance, there's
just health, there's justwealth, there's just love.
(05:19):
And then there is the absenceof that.
And when we are focused on whatwe want, abundance, more money,
more love, more health, that iswhat we are going to get.
So I want you to for a momentpause and stop thinking about
(05:40):
how do I pay off my debt orfocused on paying off your debt.
I want you to be thinking abouthow can I create more money?
Because that has you thinkingfrom a higher frequency and you
will receive downloads to helpyou.
Versus when you are thinkingabout paying off debt, you're
focusing just on paying off debtand paying off debt is not
expansion.
(06:00):
I also want to say here, payingoff debt is not a goal.
That is not a heart's desire.
When I think of goals, I thinkof heart's desire.
When I think about paying offdebt, I think of that as a task.
Like a task to me feels more oflike this.
Let's get this done because itfeels like relief.
It feels like something thatneeds to be done versus heart's
(06:24):
desire and goal feels expansiveand joyful.
And so making more money so youget to travel more and enjoy
yourself.
And a byproduct of that is youpay off debt.
But the goal isn't to pay offdebt.
The debt is going to go away.
You will pay off the debt themore money that you make.
Yes, there is the mindsetaround like, okay, when we we do
(06:47):
have to address how did thedebt get created?
Like if you created debtbecause you went into business
and you have some debt for yourbusiness, okay, that's very
different energy than I wentinto debt because I was
overspending and shoppingbecause I wasn't willing to fill
my feelings.
So I'm not saying, oh, justdisregard the debt completely.
(07:08):
You know, don't even look atfrom the energy of how did we
get here?
Because there are lessons to belearned there.
But what I want you to thinkabout of how am I going to pay
off this debt, I want you to beasking yourself not that
question.
It is going to be, how do Icreate more money or the desire
or acting from the assumption ofmaking more money and allowing
(07:29):
yourself to receive thedownloads to create more money.
Focus on what you want, not onwhat you don't want.
And this really is a mindsetshift because I do believe that
the financial industry has hadus heavily.
I know, like Dave, what is hisname?
Dave Ramsay, right?
Like he really talks about alot about debt.
(07:52):
And just like Raymond Hollowellsaid in the book, it's it's the
opposite side of the same coin.
So really start to focus onwhat you want, creating more
money, adding more value to theworld, impacting more lives.
The debt will take care ofitself as you make more money.
(08:12):
So sit with that this week.
Think about where are youfocusing or have you been
focusing on wanting to pay offdebt?
Is that even a goal for you?
And if it is a goal, let'sinsert a different goal that
feels more fun and expansive andfocus on what is the amount of
money that you want to create ormanifest and focusing on that.
(08:35):
Okay, my friends, I'm rootingfor you.
I love you.
I will see you in the nextepisode.
Today we're going to be diving into a topic that some
women in business have thoughtabout at some point.
I know this because when Ireceive the form that you
complete when you want to sitdown and visit with me, um,
paying off debt is one of thosethings that is often on there.
And this also is with otherwomen that I visit with and talk
(00:25):
to.
And so I want to discuss todayabout focusing your energy or
having a goal of paying off thedebt.
And I'm going to get into why Ithink that this is not the
energy that we want to be in.
Also, before we dive in, I wantto invite you to workshop that
I am hosting on Tuesday,December 16th at 10 a.m.
Mountain Standard Time.
(00:46):
We are going to be diving intohow to have money conversations
with your spouse without theconflict so that there aren't
any shutdowns or defensivenessor argumentativeness, no walking
on eggshells or whatever it isthat you might be feeling when
you want to have moneyconversations with your spouse.
So if you want morecommunication that feels more
(01:08):
grounded and connected insteadof tense or full of friction,
come join us on Tuesday,December 16th at 10 a.m.
Mountain Standard Time, and Iwill put the link in the show
notes to register.
So because I believe that weare all energy, what you focus
on grows.
And I think sometimes whenwe're doing this work, we have a
(01:32):
tendency or maybe we have beentaught to focus on what we don't
want.
And that hasn't necessarilybeen said outright by our
parents to us.
But that is sometimes it'salmost like, well, let's solve
for the problem versus focusingon what we want.
And when you think about debt,when you think about paying off
(01:52):
debt, when you think aboutpaying down debt, what your
subconscious, all that yoursubconscious hears is debt,
debt, debt, debt, debt.
And the subconscious doesn'thear yes or no.
It just hears yes.
So when you say, I don't wantto have more debt, what the
(02:15):
subconscious hears is, I wantmore debt.
When you say, I want to makemore money, your subconscious
hears, make more money.
So really start to payattention to your language, to
the words, obviously, that youuse, what you are actually
focusing on, because they arethe same side of the coin,
(02:35):
right?
Making more money, getting outof debt, opposite sides of the
same coin.
That's what I should say.
It's the same coin, it's justthe opposite sides of it.
So when you are focusing onmaking more money, by default,
you will be able to pay off yourdebt.
When you focus on paying downyour debt, all you're thinking
about is paying and you know,debt and paying off the debt.
(03:00):
So really start to focus onwhat you want.
I want to read you a passagefrom the book.
It's called Working with theLaw.
It's by Raymond Hollowell.
It's 11 Truth Principles forSuccessful Living.
I highly recommend this book.
I also recommend reading itmultiple times at different
(03:20):
levels of your consciousness andyour awareness so that you can
absorb it and receive themessages at a deeper level.
And in this specific chapter,I'm reading off of page 31, he
talks about the law of thinking.
And what he says is, and thisis why I wanted to read this to
you, because it has to do withlike what are you focusing on?
(03:40):
He says, some think that wemust deal with two forces.
That is, to attract the good,we must do away with the bad.
But this is not true.
For example, if we are cold, wedo not work with cold and heat
alike in order to get warm.
What we do is we build a fire,and as we gather around the
(04:04):
fire, we enjoy the heat that isextended from it and become
warm.
And as we build up warmth, thecold disappears.
For cold is the absence ofheat.
To be warm, we give our wholethought to the things which tend
to create warmth.
We ignore the cold in thinkingof heat and bring forth heat.
(04:31):
Prosperity and poverty are nottwo things, they are merely two
sides of one and the same thing.
They are but one power, rightlyor wrongly used.
We cannot think of plenty andthen worry about the unfavorable
conditions that may seemapparent.
We think about plenty, and aswe think of it, lack, its
(04:55):
opposite, will become absorbedor disappear.
All of our thoughts must bedirected to that one thing which
we desire in order that ourdesires may be fulfilled.
So I want you to really stopand think about, because I've
talked about this before of likethere's just abundance, there's
just health, there's justwealth, there's just love.
(05:19):
And then there is the absenceof that.
And when we are focused on whatwe want, abundance, more money,
more love, more health, that iswhat we are going to get.
So I want you to for a momentpause and stop thinking about
(05:40):
how do I pay off my debt orfocused on paying off your debt.
I want you to be thinking abouthow can I create more money?
Because that has you thinkingfrom a higher frequency and you
will receive downloads to helpyou.
Versus when you are thinkingabout paying off debt, you're
focusing just on paying off debtand paying off debt is not
expansion.
(06:00):
I also want to say here, payingoff debt is not a goal.
That is not a heart's desire.
When I think of goals, I thinkof heart's desire.
When I think about paying offdebt, I think of that as a task.
Like a task to me feels more oflike this.
Let's get this done because itfeels like relief.
It feels like something thatneeds to be done versus heart's
(06:24):
desire and goal feels expansiveand joyful.
And so making more money so youget to travel more and enjoy
yourself.
And a byproduct of that is youpay off debt.
But the goal isn't to pay offdebt.
The debt is going to go away.
You will pay off the debt themore money that you make.
Yes, there is the mindsetaround like, okay, when we we do
(06:47):
have to address how did thedebt get created?
Like if you created debtbecause you went into business
and you have some debt for yourbusiness, okay, that's very
different energy than I wentinto debt because I was
overspending and shoppingbecause I wasn't willing to fill
my feelings.
So I'm not saying, oh, justdisregard the debt completely.
(07:08):
You know, don't even look atfrom the energy of how did we
get here?
Because there are lessons to belearned there.
But what I want you to thinkabout of how am I going to pay
off this debt, I want you to beasking yourself not that
question.
It is going to be, how do Icreate more money or the desire
or acting from the assumption ofmaking more money and allowing
(07:29):
yourself to receive thedownloads to create more money.
Focus on what you want, not onwhat you don't want.
And this really is a mindsetshift because I do believe that
the financial industry has hadus heavily.
I know, like Dave, what is hisname?
Dave Ramsay, right?
Like he really talks about alot about debt.
(07:52):
And just like Raymond Hollowellsaid in the book, it's it's the
opposite side of the same coin.
So really start to focus onwhat you want, creating more
money, adding more value to theworld, impacting more lives.
The debt will take care ofitself as you make more money.
(08:12):
So sit with that this week.
Think about where are youfocusing or have you been
focusing on wanting to pay offdebt?
Is that even a goal for you?
And if it is a goal, let'sinsert a different goal that
feels more fun and expansive andfocus on what is the amount of
money that you want to create ormanifest and focusing on that.
(08:35):
Okay, my friends, I'm rootingfor you.
I love you.
I will see you in the nextepisode.
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