your secret financial Qs answered
꩜ grab a drink
Money is a shared experience that is often isolated, inclusive, and unmutterable to even our closest friends.
In my last Substack piece, I intricately shared my own experience with personal finances and how sticky I’ve felt for (my whole life?) a majority of my adulthood. I seek to create expansion for the gentle humans in my corner around taboo topics.
Financial education rooted in equal practicality and energetic philosophy (because they are the same spirit) has become the foundation of this wonderful collab with
. ꩜Here in the Northern Hemisphere, we are beaming with sunrays, feeling the pleasure of what we excavated in the Spring, and becoming attuned to our capacity once more.
If you’ve been feeling on the edge and in need of truth delivered in slow bites, this read is for you.
Our financial friends at Wealthkind have taken your secret wealth questions and answered them here (anonymously, of course) with the addition of my spiritual perspective. I find that both interpretations offer harmonious nourishment to the cells that need the most financial minerals.
May you feel at ease. May you feel collected and harnessed like water coming back to its vessel, brimmed with clarity, sustenance, and recovery.
꩜ I’d love advice on how/where to invest, and curious to hear more about your take on side jobs?
Wealthkind: Start with the basics- a low-cost, diversified portfolio through index funds is one of the most proven and accessible ways to invest. You don’t need to pick stocks or time the market—just consistently contribute to a well-balanced fund that reflects your long-term goals. As for side jobs, we’re all for extra income if it feels aligned and energizing. But not at the cost of your mental health. Ask: Is this side job in service of your bigger financial vision, or a band-aid for an unsustainable system?
Sierra: After years of only contributing to my wealth in short-term channels, I believe that investing will not only support us from a sustainable, practical level, but it will also energetically signal responsibility and aligned actions (which the universe loves). I’m brand new to investing, so I don’t have much to add except that just taking the creepy crawly steps towards it is a spiritual healing. It says, “I’m willing to take care of myself now and in the future.” The more you align with that reality, the more it becomes easier to take financial steps that seemed scary or foreign to a previous self. I’m also a big advocate and fan of side jobs and extra streams of income that feel genuinely good. I’ve done SO many random side jobs that only left me more stressed and obligated to tasks that I never enjoyed. Before hopping into side jobs, look at where you can increase your current income now (whether that be a promotion at work or another stream in your business if you’re self-employed). This will provide you with more grounding before hopping into something just to make more income.
꩜ Projector in HD here- how do I make money when I only want to work 4 hours a day? lolz
Wealthkind: We love this question because it’s about honoring your vision. Start by asking: What skills or services can you offer that are high-impact with minimal output? Think: digital products, 1:1 sessions at a premium price, or rental income. And then: how can your money make money? Investing is key to creating income beyond your time and energy. A sustainable income strategy for a Projector includes both aligned work and intentional investing.
Sierra: I loooove this question! Your energy management is everything when it comes to your energetic blueprint. I think it’s important to note what *isn’t* working now before investing more time and space into new ways to make money in less time. What have you done now or before that feels like it breaks your rhythmic flow of rest? What do your friends and family come to you for when it's about guidance and seeing through something? This will be a key to how you can use your natural gifts of being a seer and monetize that without putting in so much effort. There are SO many incredible resources out there that can support you in making passive income as well, especially when it’s related to your skillset. My swirly mapping workshop is a great place to start if you have gifts but don’t know how to create offers from them. Projectors do the best with long-term wealth planning. As the Wealthkind angels mentioned, investing and letting your money make money (for instance, in a high-yield savings account) will take off the pressure to be aligned with societal norms.
꩜ What about when you have hardly any extra money to invest?
Wealthkind: Start where you are. Even $5 or $20 a month builds momentum and rewires your identity as someone who invests. The goal isn’t perfection—it’s consistency. Focus on setting up a monthly auto-transfer to your investment account and slowly increase it as your capacity grows.
Sierra: I can relate to this question so hard. I’ve had serious financial ruts and rock bottoms throughout my adult life (stemming from the same thing in childhood), and I thought that investing only meant hefty monthly contributions. I find that the subconscious mind rewires primarily based on two main components: repetition and emotional priming. The more you repeat investing just the money you would spend on a coffee or out for a lunch just once a month is the repetition needed to signal to your below surface consciousness that you are someone who *can* invest and with the emotional priming of that (confidence, self-love, excitement, peace, joy, etc.) you will begin to subconsciously find ways or the ways will find you to contribute more and more. As someone who was attached to the numerical value of money her whole life, I find that loving the amount you can invest now only expands from that place of self-acceptance. The real challenge isn’t investing small amounts, it’s “can you love and accept where you are with that right now” in the process.
꩜ The balance between "money is energy" to actually doing the practical earthly things in money?
Wealthkind: At Wealthkind, we don’t see the energetics and practicality of money as separate. Money is energy—it holds charge, emotion, and story. AND it exists in a very real, material world. The practical is part of the energetic. Opening the spreadsheet, checking the balance, setting up the auto-transfer — these are rituals of self-love and care. The mundane is sacred when it’s aligned.
Sierra: Ooooeeee this is a good one. After YEARS of avoiding all the practical money things that make you feel tethered to Earth (like spreadsheets, cutting out subscriptions, talking about bills with your partner, etc.), I have found that the most practical money things are indeed the most energetic and spiritual. My 20s only consisted of money energetics: the meditations, manifesting without actually building long-term wealth, and all of the money narrative journaling without doing something with it. Money energetics are real, but in many spaces (especially online in social media spheres), it becomes a distraction with even a hint of bypassing what the real energetics are. The energy of money is the most supported when you do the practical. It seems like a dichotomy, but it’s really supportive of its invisible forces (trust me on this one). To be really honest, I think the energetics of money are actually all rooted in the subconscious. The energy around money can shift when are beliefs around it shift. Ask yourself, if practicality and energetics were both partners in the relationship of money, how could I support them both? There are no sides here; they are equally the same thing.
꩜ How can I find good investment options (like in the stock market) aligned with your values? Feels hard and boring af
Wealthkind: Totally get it — the investing world can feel dry and full of jargon. A simple, values-aligned entry point is ESG ETFs, which screen for environmental, social, and governance factors. Just know that ESG isn’t a perfect label — some funds still include companies you might not personally support, so it’s worth checking the underlying holdings, which you can do on Google, Yahoo Finance, or any other free investment research platform like Morningstar or MarketWatch. That said, some investors choose to invest broadly in the overall market to maximize returns, and then channel their profits into the causes they care about.
And to make it feel less boring and more like a possibility, picture every ETF purchase as planting a tiny seed. You’re giving your dollars a job in companies that mirror the world you want to see. Then — hands off! — Let time and compounding do their quiet magic, checking in only now and then as those seeds sprout.
Sierra: I love this question because it brings humanity into the equation when it comes to our own personal investments. I’m not an investing expert at all, but what I can say from an energetic standpoint is that you, the individual, have the power to give back to small businesses, foundations you care deeply about, and causes that feel aligned with the wealth that you will grow through investing. You may not be able to find complete alignment in your portfolio (or hey, maybe you will!), but you WILL find alignment in your personal spending from those investments. Try to remember that you will have more agency and autonomy with who you share your wealth with when you start growing your wealth in the first place.
꩜ Thoughts on having your partner support you indefinitely? What are the energetics of that?
Wealthkind: This is so personal, and the answer lives in your body more than in your bank account. The key is intentionality and consent. If you feel empowered in the dynamic—and it’s a conscious agreement, not an unspoken expectation—beautiful. If it’s rooted in shame, power imbalance, or avoidance, it may need tending. No judgment either way — just gentle inquiry about whether the energy exchange feels honest, and whether it’s serving your highest growth.
Sierra: My partner supported me for a couple of years while I was going through a major health journey (to which I couldn’t work anymore), and during that time, it felt really uncomfortable for me to accept his help. I think this is sooo beautifully intimate and individualized, but from a person who carried shame over being supported, I need to say that, regardless of whether it feels aligned or not, having open communication about money is everything. Some people say that it’s an energetic red flag to have your income come from a partner or family member. While I understand the sentiment of that, I also don’t agree with it. What if you were the main provider in another lifetime, and you are learning to receive in this one?
There are so many unknown, unearthly factors that are involved with partnership/money that people get too rigid over with energetic rules. If you do want to be supported indefinitely by your partner, get real and raw about shared investments, long-term planning, and do look out for yourself. Regardless of being supported or not, the reality is that anything (and I mean, anything) can happen, so look out for how you will be supported in the case of death, unexpected separation, etc. I speak from deeply lived experience on this one!!
꩜ What is the small financial step to take coming out of a financial rut or rock bottom?
Wealthkind: First, take a deep breath. You don’t need to fix everything today. You just need a starting point. One small step we love? Open your bank app — not to judge, just to check in. From there, choose one action: maybe it’s writing down your next three expenses to bring awareness, maybe it’s setting up a $5 transfer to savings, or maybe it’s picking up a personal finance book to shift your mindset gently back into motion. Take your time. Offer yourself some grace. You’re on your way.
Sierra: Oh boy, the financial rock bottoms I have personally gone to! I know this might be an eye-roll, but from someone who also easily eye-rolls at answers she doesn’t want to hear, this rock bottom or rut is insanely purposeful for your next level-up. It asks you to radically do things differently so you can set up a life that you truly want to live. The energetic component of this is completely interwoven with compassion. It asks you not to change how things occurred, but to make changes now moving forward.
I believe the biggest shifts happen in simplicity. How can you tend to your nervous system in one small, free way when you still feel like you’re in survival mode? How can you see or be willing to see that this is happening for you and not to you? That alone will drastically alter the financial course for you. In the meantime, please don’t compare yourself to others who seem miles away in financial “achievement” at this time. You have to be open to seeing that there is no such thing as someone doing better than you; it’s just you being able to improve from where you were before. :)
꩜ As an entrepreneur, I don't receive consistent paychecks every couple of weeks. If I wanted to automate my savings and investments, how would I go about doing that if consistency is not in my personal bank account?
Wealthkind: Irregular income can make money systems feel tricky, but it’s absolutely doable. There are two approaches we love:
Option 1: The “Pay Yourself First” Method.
Every time you pay yourself — no matter the amount — you send a set percentage (say, 10–20%) to savings or investments. This method is flexible and helps you stay consistent, even if it requires a little manual effort.
Option 2: Income Smoothing.
This is where you build a buffer — usually one or two months’ worth of business income — in a separate account. Then, you pay yourself a consistent amount each month from that account, just like a salary. Once that’s in place, you can automate your transfers to savings and investing. It takes patience and some admin setup, but it brings so much peace and predictability — and that’s a gift to your nervous system and your financial goals.
Sierra: Right there with you, angel! I don’t receive regular income through subliminal shift, so it’s been tricky for me to navigate how to do that when it comes to savings and putting income towards goals/visions. I actually just learned the “Pay Yourself First” Method from Wealthkind, and this process BLEW MY MIND. I find that energetically, a lot of entrepreneurs actually have a negative belief around being inconsistent with income, and that this says something about us or our value or worth. Although I’m not here to be the financial advisor, I am here to be the spiritual support.
The biggest thing I would ask you in a session with me around this is, “What do you believe inconsistent income says about you as a person?” We will repeat and guarantee our external realities with more inconsistency (hi, from lived experience) when we are attached to the idea that this is a bad thing. What if this wasn’t bad? What if it was absolutely brilliant that you are making money at all from doing your own thing? This is just as important as paying yourself first, in my very biased opinion.
꩜ Do you believe in budgeting?
Wealthkind: We prefer to think about benchmarks over budgets. Traditional budgeting often feels restrictive, backward-looking, and can easily become a source of stress or guilt when things don’t go as planned.
Instead, we teach the pay yourself first approach: you prioritize your future self by setting aside money for savings, investing, or debt payoff before you spend a single dollar. For example, you might set a benchmark of investing 20% of your income each month.
Once that’s taken care of, the rest is yours to spend freely, joyfully, and without guilt. It’s about creating a system that supports both your goals and your happiness.
Sierra: Budgeting feels very outdated and old, energetically speaking. I love the way Wealthkind promotes the “Pay Yourself First Method” mentioned in this substack already, but I believe that if you grew up with a negative outlook on budgeting or you always had to save without really watching true wealth grow in your household, you will subconsciously block yourself from being able to grow your own wealth too. Did money feel tight or restrictive in your childhood? What connotations do you have with the word budgeting? These need to be addressed, along with aligning new ways of taking care of yourself for the long term. If you could replace the concept of budgeting with something else that still creates a sense of intention, what would that be?
I’ve felt so incredibly inspired by Wealthkind and what they have provided here that it’s my greatest delight to share with you their Financial Foundations Course (starts July 8th!).
This is a live, month-long course with women hand-picked to be on this journey with you. You receive the coolest, most intimate teachings, such as financial wellness, investing 101, hands-on guidance for learning the stock market, and creating an actual strategic vision for your finances.
It’s the most grounded meets practical financial well-being course for the woman who does want soft opulence. Opulence in the form of work optionality because her investments can one day cover her bills. Opulence in the form of not stressing about retirement. Opulence in the form of monthly facials, because you already paid yourself first.
Pinching myself that a course (let alone a female-focused financial brand) like this exists in this timeline. Join the Wealthkind Angels in their Financial Foundations Course this July. If you’re looking for nutrient-dense support on any of the questions or topics above, the course includes twice-weekly office hours — intimate coaching time dedicated to your personal questions, systems, and goals. It’s the feminine touch you didn’t know money needed.
Use my code “SUBLIMINALSHIFT10” for $150 off the course!
꩜ Not sure if the course is the right fit for you? Book a 15-minute chat with Wealthkind here.
꩜ Course Application Link here.
꩜ Course Website Page here.
Use my code “SUBLIMINALSHIFT10” for $150 off the course!
xx
Sierra
 | A guest post by
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We love love love your beautiful, intuitive, and thoughtful answers -- such a cool moment to see our worlds collide and this important piece come together🌀
I think it's important to let creators know when you've intentionally consumed, and been moved by, their sharing / writing / musings. This piece was an exhale, a grounded homecoming to money feeling like Taurus instead of *arrrghhhhh!*. Much appreciated to you Sierra + Wealthkind for such thoughtful, sweet and sincere answers that feel real. I just added a new investment account into my RAIZ app for $20 p/w, renamed my current accounts, and am taking my own not-so-microdosing journey tomorrow to sense into my next financial vision (because my others came true!).