Ep. 95: How to Heal Your Money Story & Expand Your Wealth with Jillian Minter

[30 MIN LISTEN]

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Money is one of the most emotionally charged topics for women, and for many of us, our relationship with money was shaped long before we even knew what a money story was. Whether you grew up hearing “money doesn’t grow on trees” or watching people work themselves into the ground to make ends meet, those early experiences create deep patterns that follow us into adulthood.

In this conversation, I sat down with business and money coach Jillian Minter, a woman whose work continues to shift the way I think about abundance. Jillian helps female entrepreneurs break through income ceilings and step into grounded, sustainable wealth — not through hustle, force, or pressure, but through alignment, belief, and energy.

Money Is Energy And Your Energy Matters

One of Jillian’s core teachings is that money responds to energy. It mirrors your frequency. If your relationship with money feels stressful, desperate, or heavy, you’re interacting with it from a low vibration. That doesn’t mean you’re doing anything “wrong” — it simply means your nervous system is responding from old conditioning.

When you shift your energy, through gratitude, awareness, belief, and embodiment, your financial expansion becomes more natural. You’re no longer forcing outcomes. You’re receiving them.

Limiting Beliefs Are the Real Block

Most women think their money problem is a strategy issue. But Jillian says strategy is only 20 percent. The other 80 percent is your unconscious programming.

Thoughts like:

“I have to work hard to make money.”
“Rich people are greedy.”
“I can’t make more than my parents did.”
“It’s not safe to want more.”
“Money always leaves.”

These beliefs quietly influence every financial choice you make. When you uncover them and rewrite them your entire relationship with money changes.

Jillian created an incredible free resource called 100 Limiting Beliefs About Money, and she shared how many clients tell her they resonate with 40, 50, even 80 of them. Awareness alone begins the healing.

Believability Matters More Than Positive Thinking

Jillian and I talked about how affirmations don’t work if your body doesn’t believe them. You can tell yourself “I’m a millionaire,” but if it feels like a lie, your frequency won’t shift.

You start small.
Incremental.
Believable.

Instead of jumping from $100 in your account to imagining millions, Jillian recommends building a “money thermostat” — slowly increasing the amount of wealth your nervous system feels safe holding. Her Money Thermostat Tracker supports this beautifully by showing you not just your income, but your assets, your net worth, and the abundance already around you.

Gratitude Raises Your Frequency Instantly

One of the biggest shifts in my own money journey happened when I stopped seeing money as a burden and started viewing it as a relationship — a friend, not a threat. Gratitude is one of the highest frequencies there is, and when you give from gratitude, you receive from abundance.

Something as simple as saying “I’m grateful I can pay for this” shifts your energy field.

You Become What You Focus On

If you’re constantly talking about what you don’t have, you are focusing on lack and your reality will reflect that back to you. Jillian encourages women to protect their energy in conversations where scarcity is the default. You don’t have to correct anyone or preach. You simply choose not to participate in that frequency.

Three Beginner Steps to Heal Your Money Story

At the end of the episode, Jillian shared her top starting points:

1. Notice your automatic money thoughts.
Just observe them without judgment.

2. Ask yourself if those thoughts align with the future you want.
If not, choose a new belief.

3. Decide.
Decide to create your life on purpose. Decide to shift your story. Decide to choose abundance.

Because every financial reality begins with a decision.



Episode transcript:

This is an auto-generated, unedited episode transcript. Please excuse any tyops.

Welcome to The Life with Liz Podcast, the place to be if you wanna go from invisible to vibrant in your life, and embrace the power you didn't know you had inside of you. I'm your host, Liz Fleming, business owner, mom, military spouse, entrepreneur, founder, CEO, and life coach, who is passionate about helping ambitious women like you step into their power and their purpose on purpose so they can experience as much joy, success, satisfaction, and abundance as humanly possible.

Now without further ado, let's dive right into this episode.

Liz Fleming: Jillian! Hello, my friend! It's so nice to see you. Thank you so much for coming on the Life with Liz podcast.

Jillian Minter: Oh my gosh, my long-lost friend, it's so good to see you.

Liz Fleming: You guys, it's another QCA-er, are you so surprised? I'm so honored that you're here. I've been really excited for this conversation. You and I have kept in touch for a while, and I'm excited for you to share your goodness with my people. Why don't we dive right in? Tell everyone who you are and what your magic is.

Jillian Minter: Yes. I am a quantum coach, a money and business coach, and I help female entrepreneurs grow and scale their businesses when they’ve been stuck at an income plateau. Maybe they’re at six figures and want to grow to multiple six figures or reach seven figures. I help them break through that by focusing on the energetics: money mindset, manifestation. I believe it's really 80% mindset and 20% strategy, and any aligned strategy can get you there. I love working with the energy of money and business.

Liz Fleming: Yes. I feel everyone wants to be in the energy of money and business, especially money. It's such a powerful currency, and we don't realize how much power and influence we actually have there. Do you want to touch on that a bit more? This is a huge topic, and a lot of my listeners are brand new to manifestation, let alone money manifestation. I feel that’s where a lot of people are called when they first hear about it. They think, “Oh my God, I need to pay this bill” or “I need to get out of debt.” It comes from a place of desperation. They hear the word “manifestation” and go, “I’m intrigued.” I know that when you’re talking about it, you’re coming from a proactive place. It’s a healthy practice that’s meant to be part of your everyday life, not just something you grab when there’s a big icky situation. Can you talk about that from a beginner standpoint?

Jillian Minter: Yeah, absolutely. I think people are called to money manifestation because, as you said, money is powerful. It’s a currency that helps us create what we want: the freedom we want, the life we want. When you look at it through a manifestation lens, money is just energy. Everything is energy, and money is energy too. Energy responds to energy. So, just as with any relationship in your life, I like to compare money to your relationship with a significant other or a spouse. The way you treat it is how it will treat you. You want to speak well about it, love it, take care of it, because that’s exactly what you want money to do for you. When you put that energy out, that’s what you get back.

Liz Fleming: The biggest shift for me with money manifestation was when I developed a healthy relationship with money. When I stopped seeing it as a burden and started seeing it as my buddy, everything changed. I would think, “Whatever money I spend, even if it’s on eggs, I put my money out there and it comes back to me tenfold.” That was my mindset. Once I started seeing money as a buddy instead of a burden, things really shifted. I’d go to the store, buy gas, pay for the things we don’t love to spend money on and usually dread, and I began to see them as a gift. It became about leaning into gratitude: “I spend my money on this, and it comes back to me tenfold.” I started having a more positive outlook around it. The same goes for things like accounting and taxes. I’d tell myself, “I’m so lucky to have a business that has to pay taxes. That means I’m making money.” It became a mindset of “money is my friend, and it’s always there for me if I allow it to be.” That’s what you’re talking about with developing a healthy relationship with money and your money mindset?

Jillian Minter: Yeah, because what you’re putting out now—if you’re spending money on eggs or taxes and you’re in gratitude—you’re emitting a much higher frequency. That’s what you attract back.

Liz Fleming: Yes. You were saying everything is energy, and that’s why that frequency is able to elevate. You’re literally vibrating higher, which I love. For me, and I think for most people, it’s a physical tell. It’s something I can feel. I feel myself vibrating higher. I’ve also had those moments where I check my bank account and drop into panic. Now, as a quantum coach too, I’m more able to bring myself into a mindset of, “Okay, here’s how I need to vibrate in order to be open to money coming through.” When I’m panicked and desperate, I’m completely blocked. Can you talk a bit about that side? I see that so much online in manifestation groups: “It’s easy for some people to manifest money, not for others,” or “I can’t just say an affirmation every day and expect to make a million dollars.” You really do have to rewire your brain to create that relationship with money.

Jillian Minter: Yeah, absolutely. I was in that camp for years. I said I was manifesting, but I wasn’t actually embodying it. I was an entrepreneur living off a credit card and making below the poverty line. People working at McDonald’s made more than me for years. It wasn’t until I truly shifted my relationship with money and my thinking that things changed. Not just by repeating affirmations that didn’t land or that I couldn’t feel in my body. People say, “I want to be a millionaire,” but if that feels so far away, it’s not doing anything. It’s the small shifts, like you mentioned: “I’m so grateful to pay taxes, because that means I made money.” When you step into that energy, everything changes. You’re emitting a higher frequency. Every emotion has a frequency—there are low and high frequencies. Gratitude is a high frequency. That’s where love and abundance live. If that’s what you want to call in, that’s how you need to be operating. So even when times are tight, when money feels scarce, or when you’re not in the financial situation you’d like to be in, ask: “How can I find the positive side of this? How can I focus on what I want?” Because you attract what you focus on. If you’re always focused on what you don’t have, you call in more of that. You have to start focusing on what you do have.

Liz Fleming: Yes, the abundance mindset. And that can be tricky to wire yourself into. That’s why you and I, with our clients, always start with limiting belief work. It’s the number one place to begin, wouldn’t you say?

Jillian Minter: Absolutely.

Liz Fleming: The false narratives we’ve always told ourselves. You have some great examples. I remember going through one of your resources—it listed pages of limiting money beliefs. It’s not easy to verbalize them at first. We might think, “Of course I love money and want a good relationship with it,” and we loosely know that some of our beliefs are, “I have to suffer to be successful” or “I don’t come from money, so I can’t make a lot.” You had pages of really spot-on ones. Some I read and thought, “Oh my gosh, I never realized I believed that.” Can you unpack limiting beliefs as a starting point? People often assume they can jump straight into money manifestation without confronting and releasing the gunk first.

Jillian Minter: Yeah. So many people spend time “manifesting” money, saying affirmations, then go back to thinking and talking in a way that completely contradicts those affirmations. They might do a 10-minute manifestation practice, but it’s like going to the gym for 10 minutes and then eating junk food for the other 23 hours of the day. The resource you’re talking about is my “100 Limiting Beliefs About Money.” It’s a collection of the 100 beliefs I see most frequently as a money coach. So many people say they want to make more money, yet their brain is wired to believe, “Rich people are selfish. Rich people are greedy. I have to work hard to make money,” while simultaneously wanting to work less and not burn out. If you’re saying these things to yourself unconsciously throughout the day, that 10 minutes of manifesting isn’t going to outweigh the rest of your day. Once you read that list and start hearing your own thoughts, you can’t un-hear them. People will say, “Oh my gosh, I say 50 of these to myself every day.” Once you’re aware, you can consciously start to change them. That’s when your results begin to shift, because that’s the inner work. You start rewiring those thoughts. For example, “I think rich people are greedy. I don’t actually want to believe that. Some people are greedy and some are not. It has nothing to do with how much money they have. If I say I want to be rich, that doesn’t mean I’ll become greedy.” For me, the reason I want women—especially heart-centered female entrepreneurs—to make a lot of money is because I believe the world is a better place when rich, heart-centered women have a ton of money.

Liz Fleming: Hell yes.

Jillian Minter: If you can switch your beliefs to something like, “Powerful, wealthy women make a difference in the world,” that thought will actually serve you and help you create what you want.

Liz Fleming: I agree. So well said. A lot of this comes back to believability. You have to train yourself to believe the affirmations you’re saying. With limiting beliefs, we want to clear them and free ourselves from those narratives. I’ve found that with affirmations, when I first came into manifestation, I thought I could just say things to myself every day and they’d happen. You have to believe them. You have to feel them. And it ties so closely to worthiness. Many people connect money and worthiness, which becomes really unhealthy. That’s one of the biggest limiting patterns. Is there anything you want to share about that believability piece? I feel it’s a huge part of how we start rewiring our neural pathways to receive more abundance.

Jillian Minter: Yeah. Start small. If you’re going to create a new belief, it needs to be something your nervous system can actually get behind. If you have $100 in the bank and you’re trying to become a millionaire, repeating “I’m a millionaire” will probably feel like an eye roll: “That’s not true. That’s so far away.” Instead, you might think, “I have a couple hundred dollars in the bank. I’m learning to grow this. I’m someone who knows how to attract more.” Make it smaller, more believable chunks. Practice that thought for a few days, weeks, or months. It becomes believable. Once that belief feels solid, you build on top of it. I really believe in doing it in bite-sized pieces.

Liz Fleming: I love that tip because it’s so manageable and natural. We get caught up in the “must-have-it-now” energy and the shiny object syndrome of things like Instagram. We see these seven-figure women who seem to be crushing it. The marketing often revolves around the number. If you’re seeing that for the first time, your body goes into shock. “I cannot imagine that many zeros in my bank account.” So it makes total sense to start smaller. One of the things I love about your resources is how you guide clients and students to start with a visualization of what they already have. What are your current assets, all around? Then you have us incrementally scale up from there, month by month. That spreadsheet is fire. It was the best money I spent. We don’t often get the chance to visualize and play with numbers in that way. You’ve set up the formulas, so I can go in and adjust the amounts I feel comfortable earning. I can see what a year from now might look like. It’s such a powerful resource.

Jillian Minter: I’m so glad it worked for you. You’re talking about my Money Thermostat Tracker. It trains you to gradually be able to hold more wealth. The reason so many people lose lottery winnings is that they can’t actually hold that kind of money. As you said earlier, many can’t even imagine their bank accounts with that many zeros. The tracker helps you train your brain and body to hold more money. The other thing you said when you started filling it out was, “Oh, I wasn’t accounting for my money here or there. My net worth is actually so much higher than I thought.” It widened your perspective. You started thinking differently about money, operating from a new lens. I remember your voice note. I could hear, audibly, that you had shifted into a more abundant energy. That’s the work: being able to actually shift the energy and what you feel in your body.

Liz Fleming: Yes, and being able to do it yourself, without external stimuli. You don’t need an expensive program or some sponsored post to get into that feeling. You can train yourself to get there. I remember that moment I messaged you. I had just gotten your resource and loved it. I’d been so focused on the dollar amounts in our bank accounts and suddenly thought, “I haven’t counted our assets—our homes, what we own.” My computer and desk setup alone are worth thousands of dollars. When I started visualizing that—the cars, the retirement accounts—all of it, and stopped seeing my abundance as only the money coming into my brand-new coaching business, the pressure lifted. I think that’s what many people need to do, and it sounds like what you’re recommending: zoom out and see the bigger picture.

Jillian Minter: Yes. It’s powerful to see that there’s money all around you. Anyone listening right now is using a device—a phone or a computer—and those usually aren’t cheap. So how can you start seeing money in your own life in simple ways? We mentioned QCA. That’s not a free certification. When you begin to see all the places money already exists in your world, you train your brain to recognize abundance. From there, you attract more of it.

Liz Fleming: Yes. And tell me if you disagree, but I feel step one is training your brain—focusing on it for yourself. Step two is how you share and speak about it with others. I don’t necessarily mean coaching others, but simply how you show up in conversations. I guarantee some of you listening have friends or family members who always complain about money, or the lack of something—money, sex, a partner, whatever it is. There’s some sort of lack, and they use it as a talking point. That becomes an opportunity for you, as a powerful manifester, to shift your mindset in the moment and redirect the conversation—or at least redirect your approach to it. Would you say that’s true? Or even just to redirect your own energy around the conversation?

Jillian Minter: Yeah. How can you engage without actually engaging in the lack? Maybe you can’t fully redirect the conversation, yet you can choose not to participate in the scarcity. If you keep talking about what you don’t want, you’re going to bring more of what you don’t want. I’m not one for toxic positivity—we all need to process and vent. However, when you’ve already vented to your mom, your best friend, your partner, what are you doing by continuing to bring it up? You’re just focusing on it. That focus brings more of it to you.

Liz Fleming: Exactly. You’re reinforcing the negative energy and it bounces right back. Your energy is so powerful. I love what you said: you may not always be able to redirect the conversation, yet you can protect your own energy. That is a superpower—not just for money manifestation, for everything. Protecting your feelings, your thoughts, your energy in any conversation is such a skill. It’s hard at first, but once you master it for yourself, it gets easier.

Jillian Minter: Absolutely. And once you master yourself, you can ask, “How can I be around more people whose energy lifts me up?” You start deliberately creating more and more of that.

Liz Fleming: Yes. And what I love about this abundance work is that when you become passionate about it for yourself, it naturally radiates into your whole life. You might start out with friends, family, colleagues and conversations rooted in lack, and over time those conversations evolve into ones rooted in abundance, because that’s the energy you’re putting out. That’s what I’ve found. The more I set those energetic boundaries for myself, the more I attract people with similar mindsets. It becomes so much more fun.

Jillian Minter: Exactly. And it starts small—with tiny shifts, like redirecting a conversation or setting a boundary. Then, a year later you look back and think, “My energy is completely different. Everything around me is different. My results are different.”

Liz Fleming: It’s wild to think about who you were a year ago. I have that thought often: “I can’t even remember who I used to be.” Not because she was wrong or bad; I was just in such a different place. I’ve been doing manifestation and energy work for years, and still, even yesterday feels different compared to what I’m consciously practicing now. The things I’m doing daily have become such a natural part of who I am that I can’t remember being any other way. Do you feel that too?

Jillian Minter: Oh, all the time. That’s what we are: we’re always evolving. Imagine where you are now, then imagine five years from now. That’s what I love about this work—it’s a continuous practice. You keep doing it, and it keeps getting better.

Liz Fleming: Yes. It truly does get better. I was talking with Ashley Gordon on the podcast about manifestation and abundance. When you start manifesting from the place we’re describing—grounded abundance—you’re proactive without slipping into toxic positivity or spiritual bypassing. When you manifest from that grounded place, you suddenly realize how powerful a manifester you are. The moment you have a really hard day and feel your vibe drop, weird things can happen. For me, I can be vibrating at such a high level—not bouncing off the walls, just feeling aligned. I might be in the grocery store thinking, “Life is good.” Then my three-and-a-half-year-old throws a tantrum, slams a door, and my energy drops. In that split second, even if it’s just five minutes of my energy shifting, and then I notice it and bring myself back, in that little dip I can manifest something strange or unpleasant. The more you practice, the more you notice your tells. We’re all different. Human Design plays a massive role in how I manifest. I recommend it every chance I get on the podcast: “Go look up your Human Design blueprint.” Even during those lulls, I still look at them through the lens of abundance as learning experiences. I’ll think, “My body is having a real energetic response to this screaming child. Why is it affecting me so deeply?” Old me would have spiraled for days. Me now thinks, “There’s something here I get to explore.”

Jillian Minter: Yes, absolutely. You get to decide in every moment, regardless of what anyone else is doing. As a mom, for example, you have no control over your child’s emotions. You can only control yourself. You get to decide, “How do I want to react right now?” That’s the human experience. Sometimes we handle it beautifully; sometimes we don’t. That’s life.

Liz Fleming: Yes, and releasing control, which we haven’t really touched on. That’s a huge one. You release the outcome. You surrender. You can envision the amount you want in your bank account and your dream job, then at some point, you have to let it flow and follow your gut feelings.

Jillian Minter: Yeah. When you’re in attached energy, you’re in grasping energy. You’re holding on with “I have to keep this, or it won’t come back.” That’s scarcity. I compare it to clutching sand. When you grip sand tightly, it all falls out of your hand. When you open your palm, the sand just rests there. It doesn’t go anywhere. That’s the same with money and manifestations.

Liz Fleming: That’s such a good analogy. I love that. I don’t know if you felt this when you were first introduced to manifestation, but I was skeptical at first. Then I hit a point where I thought, “What do I have to lose?” Once that seed took root, my life opened up in the best way. I was guided to resource after resource, to new people and programs, in such a natural cadence. It felt exciting. Not that I’ve made millions yet, but that doesn’t mean it isn’t possible. I still have work to do, as you know. We all come from different backgrounds, circumstances, families, levels of knowledge. For me, it’s been 35 years of a certain narrative I’m now rewiring. It’s going to take more than a few weeks. One of my favorite things about manifestation, especially around money, is this: it might have taken decades to be programmed the way you are, yet sometimes it can take seconds to begin deprogramming, depending on the insight or shift. Have you felt that too?

Jillian Minter: Oh yes. Sometimes it feels slow, and other times you have a quantum leap—a lightbulb moment—where things click. Just like you said, once you found this work, you were guided to the next thing, then the next. That’s you being in flow. That’s the magic of it.

Liz Fleming: It is so magical. I could talk to you about this for hours. Before we wrap, if you were to give a few starting points—tactical, specific beginner steps—for someone who’s listened this far and is thinking, “Okay, I’m in. How do I start right now?” what would you suggest?

Jillian Minter: First, recognize your limiting beliefs. The next time you think about money—whether it’s your money, someone else’s, or you’re just looking at a price in the grocery store—pause and notice what you think. Create that awareness. Then ask: “Does this thought align with my goals? Is what I’m thinking actually serving me, or do I want to choose a different thought instead?” From there, make a decision. Decide what you want to think on purpose. That’s how you start creating your reality intentionally. Everything you have today is a manifestation of who you’ve been and how you’ve thought so far. You can decide to change your life right now. Start creating your bank account, your life, your results on purpose.

Liz Fleming: Yes. Deciding is the key factor. You have the power to choose. Do you want to stay rooted in lack and keep attracting “not enough” experiences? Or do you want to change your narrative to one of prosperity and abundance—whatever that means to you? Abundance isn’t always money. Some people want time freedom. Some want beautiful shoes. Abundance is subjective. It comes back to choice. I don’t know if you’ve read “The Untethered Soul” by Michael Singer. He has this line where he compares energy work and manifestation to quitting smoking. If you’re a smoker and want to quit, eventually you have to physically take the cigarette out of your mouth. You can buy all the patches, do all the things, hire all the people, yet at some point, you have to decide. It’s the same for manifestation. Decide to change your story. Decide to have a better thought. Decide to transform your life. The shifts that come from that decision are massive. Wouldn’t you say?

Jillian Minter: Oh yes. When you make that decision, you reclaim your power. You’re saying, “I’m at cause.” That in itself is powerful. We often blame hardships on external circumstances. Lately, I hear people blaming “the economy” all the time. There’s always something outside of us to point to. Take your power back. Decide you are at cause for everything in your life. There is so much power in that.

Liz Fleming: Totally. Your energy is a currency. People tend to think only of paper money, but your energy is just as real a currency. As quantum coaches, we play in the energy of “anything is possible.” I talk about that a lot on this podcast. That’s what “quantum” means to me: we don’t box ourselves in. So when some people think of money as only cash in the bank, we’re working with it as energy. For me, we are on a pale blue dot in an infinite universe, and money is an infinite currency. I don’t limit it to what the government has or what society says. It’s an energy in and of itself. That’s really the climax of this whole conversation: everything is energy. This isn’t just a fancy niche. It’s real. It’s been written about for millennia. This isn’t new.

Jillian Minter: Yes. You can even see that when you look at how institutions interact with money. What does a government do when it “runs out” of money? It creates more. Because money is ultimately infinite. It’s energy. When you truly realize that, so many doors open.

Liz Fleming: Yes. I love it. Such a good conversation. Okay, where can people find you? What’s going on in your world? What should they do next if they’re really lit up by this convo?

Jillian Minter: You can find me on Instagram at @jillianminter and on my website at jillianminter.com. I have a freebie we can link: “100 Limiting Beliefs About Money.” I also have a weekly newsletter, Prosperity Pages, that goes out every Tuesday with my best money mindset and manifestation techniques.

Liz Fleming: It’s so good. Your newsletter is so good. So well thought out. And as one of your subscribers and friends, I deeply appreciate the gifs you use. They’re always spot on. Every week I’m like, “Yes.” Friends, I’ve linked everything in the show notes—from her EFT money tapping to the 100 Limiting Beliefs About Money, and your Magic Money Makeover too, which I wanted to mention. All of that is in the show notes. Please connect with Jillian. She’s an amazing person and an incredible resource. Jillian, thank you so much for coming on the podcast. This was awesome.

Jillian Minter: Thank you so much for having me. It’s always so good to spend time with you.

Did that go by too fast? No worries. You can always find me over at elisabethfleming.com for more information about my programs, events, and how you can take your learning further with me. If you loved this episode, leave a review. It helps more than you know.

Thank you so much for tuning in. I'll catch you next time.


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