In this episode of Mindset Money Success, host Loraine Marshall exposes the financial traps that keep 50% of the population at the bottom of the money pyramid. We move beyond the exhausting "hustle culture" to embrace the MSI (Multiple Sources of Income) mindset. This episode serves as a guide to transition from being an employee, trading time for a paycheck, to becoming an architect of self-sustaining income streams that flow into your bank account regardless of your physical presence

4 Best Moments

1. The 2020 Wealth Paradox: Loraine highlights the shocking reality of March 2020; while the world shut down and single income streams vanished, five million new millionaires were created because they utilised "MSI Technology" on autopilot.

2. The $100 San Francisco Challenge: A deep dive into Robert Allen’s legendary feat, where he entered a city with only $100 and no wallet, yet managed to buy seven properties in 72 hours by focusing on "Don't-Wanters" instead of traditional sellers.

3. The "Money While You Sleep" Distinction: A powerful clarification that if you must be physically present for money to flow, you haven't built an MSI; you have simply bought yourself more work.

4. The 18-Plate Spinner Analogy: A visual lesson on wealth management—start by getting one "plate" (income stream) spinning until it is automated before attempting to add more, ensuring you never exceed the Three Project Limit

4 Key Takeaways

1. Shift to the M3 Strategy: While 96% of the population uses the M1 strategy (trading time for money), the top 1% use the M3 strategy, which focuses on multiplying time by setting up dozens of automated "scripts" or assets.

2. Master the Law of Compensation: Your income is governed by a universal law and is in direct proportion to the need for what you do, your ability to do it, and the difficulty in replacing you.

3. Apply the MONEY TREE Filter: To ensure an income stream is a high-value asset, it must pass the MONEY TREE formula: Multiple, Outstanding, Nothing Down, Employee Resistant, Yield, Trend, Residual, Essential, and Enthusiasm.

4. Follow the 30% Success Rule: Statistics indicate you are 30% more likely to succeed if you build your side hustle in parallel with your day job, using your salary to fund your financial education

Ready to take the next step? If you need a "paid thinking space" to decide your next move without burning bridges, Loraine is now offering one-to-one mentor sessions. Find the link in the show notes or visit: successwithloraine.com/mentor-sessions/

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Welcome to Mindset Money Success with your host, Loraine. In this episode, we explore the legendary teachings of Bob Proctor’s "You Were Born Rich". We dive into the idea that wealth is not something you "get," but something you "tune into" by discovering the unlimited potential already within you. If you’ve felt stuck, it’s time to rearrange your mental jigsaw pieces and start vibrating on the frequency of the life you were meant to live.

4 Best Moments

1. Meet the "Stickperson": Loraine breaks down Bob Proctor’s famous graphic to explain the mind. While the Conscious Mind chooses thoughts, the Subconscious Mind is the emotional powerhouse where your "Paradigms" live, ultimately controlling your results.

2. The Thermostat Analogy: A powerful realisation that if your subconscious is programmed for scarcity, you will stay broke. Like a thermostat set to 60 degrees, your internal programming will always pull you back down until you reset your "set point" for wealth.

3. The 10-20-70 Financial Strategy: Loraine introduces a practical "action planner" based on the Babylonian Law. By allocating 10% to wealth, 20% to debt, and 70% to living, you create an "orderly mind" that allows for the creative process to thrive

4. The Vacuum Law of Prosperity: A fascinating look at how nature abhors a vacuum. To signal to the universe that you are ready for more, you must first make space by clearing out old clothes, limiting beliefs, or even giving away money to keep it flowing

4 Key Takeaways

1 Master the "Servant": Success requires a fundamental shift in your relationship with money. You must love people and use money as an "obedient, diligent servant" rather than hoarding it out of fear.

2 Vibration Dictates Results: Everything in the universe vibrates, including your body. To change your financial situation, you must adopt the vibration of a wealthy person before the money shows up, as the universe gives you what you are, not just what you want.

3 Use the Image Maker: The subconscious mind cannot distinguish between a visualised image and physical reality. By using an Image Card with a specific gratitude statement, you can imprint your financial goals directly into your subconscious

4 Ignore the "Doom and Gloom": To protect your new mindset, you must reject external influences and news cycles focused on lack. Instead, listen to the quiet voice within and act as if you are already your most successful self

Ready to take the next step? If you need a "paid thinking space" to decide your next move without burning bridges, Loraine is now offering one-to-one mentor sessions. Find the link in the show notes or visit: successwithloraine.com/mentor-sessions/

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In this episode of Mindset Money Success, host Loraine Marshall shares powerful transformation strategies inspired by her time at Tony Robbins’ "Time to Rise" event. The discussion focuses on mastering your internal world to achieve external success, covering foundational rituals, emotional mastery, and the shift from being a business operator to a true owner.

4 Best Moments

• The 10-Minute Ritual: Loraine discusses Tony Robbins’ belief that "if you don't have 10 minutes for your life, you don't have a life," highlighting the necessity of a daily priming routine to shift your biochemistry.

• The Science of Suffering: A deep dive into why suffering is a choice; while emotions last chemically for 90 seconds, anything beyond that is caused by ruminating on the thought.

• Adapting for Trauma Survivors: A poignant reflection on why traditional gratitude can feel dangerous for those in "survival mode" and how to use "I am" affirmations and protective visualisations instead.

• The "C.A.N.I." Philosophy: Exploring the concept of Constant and Never-Ending Innovation and why success comes from doing more for others than anyone else.

4 Key Takeaways

• Priming Your Nervous System: Start your day with a 10-minute ritual: one minute of "breath of fire," three minutes of heartfelt gratitude, three minutes of blessing/guidance, and three minutes to visualise three goals as already accomplished. This wires your Reticular Activating System (RAS) to spot new opportunities.

• The 90-Second Rule: To stop stress or anger from taking root, use the Acknowledge, Observe, Breath, and Release method. By observing the stress without "believing it" and using slow breaths, you can calm the nervous system and let go of the thought.

• Business Map vs. Business Plan: Traditional plans are often too rigid for modern markets. A Business Map allows for agility, helping you stay committed to your decisions while remaining flexible enough to pivot your approach when necessary.

• Owner vs. Operator Mindset: To have a true business rather than just a job, you must have an exit strategy. A successful business is designed to make money even when the owner is not physically present, allowing you to work on the business rather than in it.

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In this week's episode, we’re going to explore the profound mindset shifts that can turn a challenging time into your greatest comeback story. We are talking about escaping a debt trap and knowing the difference between "smart debt" and "foolish debt".

4 Best Moments

• The Metamorphosis of Randy Gage: Discover how Gage transitioned from a major business failure to building a library of over 1,000 books to understand how thoughts shape reality. His journey proves that rock bottom is not a story of failure, but a necessary metamorphosis.

• Reframing "Financial Crystal Meth": A sobering look at "foolish debt"—the debt of instant gratification. Gage describes it as a temporary high that results in a brutal comedown of regret, energy leaks, and a diminished sense of self-worth.

• The Radical "Naked Truth" Step: The moment of true liberation begins with radical honesty. Host Loraine Marshall discusses the necessity of pulling every statement and creating a master list, leaving no place for your fear to hide.

• The Police Line-up Analogy: A powerful reminder that wealth without connection is hollow. Gage asks the rhetorical question: What is the joy in earning millions if your children couldn’t pick you out of a police line-up? Success must be tied to relationships and well-being

4 Key Takeaways

• Distinguish Between Smart and Foolish Debt: Not all debt is equal. Smart debt acts as leverage to acquire income-producing assets, while foolish debt acts as a "silent drain" on your confidence and abundance.

• Execute a Strategic Escape Plan: Breaking free requires a relentless roadmap. This includes prioritising the highest interest rates, negotiating with creditors to lower APRs, and committing to accumulating no new bad debt.

• Play the "Infinite Game" of Wealth: Shift your philosophy from "earning money to do good" to "doing good while earning money." This creates an expanding cycle of prosperity where more resources allow for more positive impact.

• Focus on the Person You Become: The ultimate reward of financial independence isn't the bank balance; it’s the personal growth required to achieve it. Building wealth is a journey of upgrading your identity to someone who lives above debt, not under it

Ready to move from trauma to transformation? Visit the SuccessWithLoraine website to learn more about her new mentor programme, specifically designed for women reclaiming their agency.

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Intro

Welcome to Mindset Money Success with your host, Loraine Marshall. Today, we dive into the journey of reclaiming your power after the "three Ds": Divorce, Death, or Discard. For women navigating life at 40-plus, these aren't just relationship endings; they are traumatic events that require a total reconstruction of the soul. Learn how to move from a state of survival to one of transformation by becoming the master of your own mental architecture.

4 Best Moments

• Defining the Three Ds: Loraine identifies the specific traumas of divorce, the death of a partner, and the abrupt discard, explaining how these moments can leave us paralysed by uncertainty.
• The Literal Mind: A powerful realisation that the brain has no sense of humour; it takes phrases like "this is killing me" literally and may create physical illness or panic attacks to "protect" you from the perceived danger.
• The "I Am Enough" Breakthrough: Exploring how the most simple instruction—repeatedly telling your subconscious "I am enough"—can rebuild a sense of worthiness that has been shattered by betrayal or loss.
• The Shift to Abundance: Learning to stop the "contraction" of fear regarding finances by focusing on visual cues and the deliberate choice to say, "I am having that" instead of "I can't afford it".

4 Key Takeaways

• Your Mind Follows Instructions: Your subconscious is a tool that does exactly what it thinks you want it to do. It responds specifically to the pictures you construct in your head and the words you say to yourself.
• Choose Empowering Language: Switch from catastrophic language to words that generate energy. Instead of "I have to," try "I have chosen to" or "I am on a mission of discovery," which flips the switch from resistance to empowerment.
• Make Self-Praise Familiar: Many people are experts at self-criticism, making it their "natural state". To transform, you must make self-praise incredibly familiar and treat criticism as something entirely "unfamiliar" that you no longer accept.
• Focus on Destination, Not Current Lack: Your mind’s "creative search engines" shut down when focused on lack and fear. To find new opportunities, you must focus on where you are going rather than your current bank balance, using tools like vision boards to prime your mind for abundance.

Are you ready to move from trauma to transformation? Book a call with Loraine’s mentor programme to wire in the habits of the unstoppable. Video mentor sessions are 1:1 or appear on my podcast, Mindset, Money, Success. I’ll spend forty minutes with you to help guide you or listen to your story.

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In this episode of Mindset, Money, Success, host Loraine Marshall provides a raw and revealing look at the "emotional tax" of business deals gone sour. Drawing on her recent four-week struggle with a "cash for keys" standoff, Loraine exposes the reality of dealing with bullies who move goalposts and the psychological resilience required to hold your ground. From living without running water since 2023 to facing the threat of 17 years in prison during criminal litigation, she shares how she finally secured a new start in 2026.

Best Moments

• The Pyjama Gate Encounter: Loraine recounts the shocking moment she was sick with the flu, only to find the new property owner at her gate with an envelope of 50-euro notes, demanding she vacate the home she had occupied for years within 7–10 days.

• The Three-Hour Manipulation Marathon: A look into a circular, manipulative text argument where the buyer refused to provide an advance for a deposit, essentially pressuring a 64-year-old vulnerable woman to "make herself homeless" before receiving any relocation funds.

• The Removal Company Standoff: The dramatic turning point where the removal team intervened, threatening to unpack the van and leave unless the buyer paid immediately. This forced the "bully buyer" to back down after he had attempted to make Loraine sign contracts under duress.

• Channeling Pain into Paper: Loraine’s powerful closing announcement regarding her upcoming book, Deceptions and Illusions Embroidered with Truth. She reveals that every penny of the royalties will support a non-profit project to help other women facing economic and legal abuse.

Key Takeaways

• Mindset is the Ultimate Ground: Even when legal systems fail or opponents move the goalposts, they cannot take the ground you have won in your mind. Refusing to be silenced is a key step in surviving economic abuse.

• Recognising DARVO: The sources highlight the importance of identifying the DARVO tactic (Deny, Attack, and Reverse Victim and Offender), which bullies and abusers use to frame themselves as the victim while intimidating their targets with litigation.

• The Power of Community Support: When the buyer refused to assist with relocation costs, it was a neighbour’s personal loan and the solidarity of the removal workers that allowed Loraine to break the cycle of intimidation and secure a new home.

• Advocating for Legal Reform: The episode underscores a critical need for changes in domestic abuse laws in both Spain and the UK to ensure non-married women are not treated as "second-class citizens" by biased or misogynistic court systems.

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Introduction

In this episode of Mindset Money Success, host Loraine Marshall introduces a concrete, actionable 12-month blueprint designed to take you from broke to building real wealth. Tailored especially for women over 40 who are rebuilding after trauma or financial loss, the episode explores the 7-Step Recovery Plan based on the legendary investor Charlie Munger’s own experiences. Moving beyond "motivational garbage," this "battle-tested" plan focuses on execution and the psychological shift required to transform a negative net worth into a solid foundation.

4 Best Moments

• The "Broke Advantage": Munger argues that starting with nothing is a unique strategic starting point. Unlike the wealthy, those at zero have the freedom to take calculated risks because they have nothing left to lose and their financial mistakes serve as "cheap tuition" rather than catastrophic losses.
• Munger’s Personal Resilience: The episode highlights Munger’s own "rock bottom" in 1962. At 38, he was divorced, drowning in debt, and facing the death of his son—a story that serves as ultimate proof that starting from zero can be a launchpad for success.
• The Harsh Reality of "Deserving": A pivotal moment occurs when addressing the desire for luxuries while broke. Marshall shares Munger’s blunt perspective: "The only thing you deserve when you’re broke is to stop being broke".
• The Final Hurdle of Discipline: As the year closes, the episode warns against "holiday inflation" in November. While most people squander their progress on gifts and travel, the blueprint demands unwavering discipline to protect your hard-won savings.

4 Key Takeaways

• Conduct a Ruthless Financial Audit: January is the month of radical accountability. You must "stop the bleed" by cutting expenses to the bone, including selling liability cars with high payments and eliminating all non-essential subscriptions.
• Aggressive Income Stacking: You cannot invest your way out of poverty with small amounts. The goal is to stack multiple income streams—primary, evening, and weekend work—to save your first £5,000 by April, which shifts your mindset from "broke person" to "investor".
• Build the "Emergency Wall": Before entering the stock market, you must save an additional £10,000 (totalling £15,000). This cash acts as a buffer against fear-based decisions, providing the stability needed to find better career opportunities rather than settling for desperate ones.
• Prioritise Self-Investment: The highest yield asset is your own earning ability. Munger recommends partitioning £5,000 of your savings to invest in new skills, certifications, and networking that directly increase your hourly value.

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In this episode of Mindset, Money, Success, host Loraine Marshall reflects on the eighth anniversary of a day that irrevocably changed the course of her life. On 26 December 2017, what seemed like a peaceful retirement in a Spanish villa was shattered by a brutal confession that exposed a nine-year lie. Loraine shares her harrowing journey through betrayal trauma, financial weaponisation, and the systemic failures of the legal system, ultimately discussing how she turned her "shattered dream" into a mission of discovery and healing for others.

4 Best Moments

• The "Wednesday Girl" Confession: The chilling moment on a sofa in Spain when Loraine’s partner casually revealed a secret life he had maintained since 2009, leading to a scream of pain so physical it damaged her throat.
• The Clinical Presentation of Grief: A look at the "sadistic control" exerted by the abuser when he used a formal presentation to "educate" Loraine on the stages of the bereavement cycle while he was the active cause of her grief.
• Financial Leashes and "Collateral Damage": Loraine recounts being told she was "just a bit of collateral damage" and the way her ex-partner weaponised payments as a tactic of economic control, demanding she not "bite the hand that’s feeding you”.
• The 2024 Legal Victory: The moment of ultimate reclamation when seven malicious criminal allegations—which carried a combined threat of 17 years in prison—were completely dismissed.

4 Key Takeaways

• Identifying DARVO and SLAP: Understanding these tactical abuses is vital. DARVO (Deny, Attack, and Reverse Victim and Offender) and SLAPP (Strategic Litigation Against Public Participation) are often used to silence victims through the court system.
• The Physical Reality of Trauma: Emotional abuse is not "invisible." It manifests physically, leading to debilitating panic attacks and cognitive dissonance as the body "keeps the score" of the psychological environment.
• Forgiveness as Self-Liberation: Drawing on the wisdom of Nelson Mandela, Loraine highlights that forgiveness is not about condoning the abuser’s actions, but about refusing to let their "poison" kill your spirit.
• Turning Pain into Purpose: The ultimate act of survival is reclaiming your narrative. By writing her book and starting a foundation, Loraine demonstrates that rebuilding from the rubble is the beginning of a new, independent path.

Resources Mentioned:

• Book: Post-Separation Abuse, Betrayal and Abandonment by Loren Keeling.

• Website: lifechangeplans.com

Happy New Year To all Our Listeners