Clarity Leads to Confidence and Ease

Clarity Leads to Confidence and Ease

‘If the ladder is not leaning against the right wall, every step we take just gets us to the wrong place faster”   ~ Stephen R. Covey, Author

Have you ever worked really hard for something, and then once you got to the goal, you realized it isn’t what you really wanted anyway?

When we are clear about who we are, why we are here, and what we want in life, miracles begin to happen because we can tap into the power of the Universe.  The Universe needs very clear directions. If we aren’t clear about what we want or what we are trying to do, we send out muddled messages.  Mike Dooley, Founder of Notes from the Universe says, “Thoughts Become Things – So Choose the Good Ones!”  That’s a pretty powerful statement about just how important clarity is.

I have a simple five-step exercise that I have used for years to help my clients achieve clarity in their lives, their finances, and their careers.  The template I’m using here is available in the Smart Women’s Academy, Unlock Your Financial Power course, but you can do the five steps in this exercise around any goal.

We all have dreams, but too often, we get so bogged down with life that we actually forget them.  You want your dreams to be very clear, filled with emotion, and tied to your values (ie, what is most important to you).  It also helps to be able to see your dreams and to focus on them daily by having them written down where you can see them.

Step 1:  Visualize

Please take a minute to close your eyes and imagine that you are looking in a mirror, and it’s three years from now. As you look in the mirror, imagine that you are smiling and you cannot get the smile off your face.  You are in a state of total joy.  Everything is going fantastic for you.  You are at a whole new level of vitality. You are about to start your day.  When you turn around to begin your day, continue to use your imagination to answer these questions:

  • Where are you going today?
  • What does your house look like?
  • What car are you driving?
  • What are you doing for a living?
  • Who are going to meet right now?
  • Who are you in a relationship with?
  • How much are you earning?
  • What do you look like?
  • What are you going to wear today?

Think about these answers and jot them down quickly.  Your goal is to be in the moment and to write about how it feels to be so happy and why you are so happy.

Step 2: Affirm (written exercise)

Normally, the next step would typically be to write down your goals and then to figure out what you need to do to get from here to there. You will want to do this at one point, but for now, we are going to try something new. You don’t need to know how to do these things, just write down what life would be like in your perfect world using the template I’ve provided for you.  Write your statements in present tense and under the three categories below.  You can write as many as you wish under each category.

Here are some examples:


  • My life is joyful, abundant, and effortless
  • I go to yoga three times a week, and love riding my bike through the nature trails each morning
  • I enjoy traveling, speaking, and writing


  • My daughters are thriving and creating their own joyful lives now
  • I love going to weekly concerts with my husband.  We are closer than ever!
  • I make time to enjoy deep relationships with close friends by planning in advance.

Money and Work

  • My business is running without me. My virtual team takes care of all the details!
  • I am focused on doing what I love 80% of the time, and it’s paying off because my business is thriving.
  • We are on track with our financial goals and update our financial plan quarterly.

Step 3:  Activate the Law of Intention:

Now print out your affirmations and put them where you can read them daily so you can stay focused on your dreams. You can scan the list and keep it with you and refer to it regularly.  When you read your affirmations with intention, you are sending that order out to the Universe, and you will find that opportunities will begin to show up.  You may call these coincidences, but don’t brush them off.

In his book, The Spontaneous Fulfillment of Desire, Deepak Chopra says this about coincidences, “When you live your life with an appreciation of coincidences and their meanings, you connect with the underlying field of infinite possibilities. This is when the magic begins. This is a state I call synchrodestiny, in which it becomes possible to achieve the spontaneous fulfillment of our every desire. Synchrodestiny requires gaining access to a place deep within yourself, while at the same time, awakening to the intricate dance of coincidences out in the physical world.”

Step 4:  Dancing with the Universe

Don’t try to force things.  Simply state your dream, desire or goal and send it out to the Universe.  Some may call this creating an intention or praying.  You never know what the Universe actually has in store for you, so leave it open.  Just be sure to ask for what you want “or something even better”.  An example is: “I am earning $100,000 or more annually.”

So many times we think way too small.  One reason could be that our Ego (subconscious mind) is trying to protect us from getting hurt or disappointed.  This can show up as negative self-talk, or as a little voice in our head.  Go for it by asking for what you really want.

Step 5:  Believe, trust and watch for magic to begin

The secret is to get really, really clear about what you want and why you want it, focus on it daily, turn it over, and trust what you desire. Once you do, the magic will begin, and you will literally be able to manifest effortlessly. Right now is the perfect time to go out and buy that Miracle Journal. You want to track your ‘coincidences’ and miracles over the next year as your Dreams begin to Manifest!


Now I want to point out one thing here.  You cannot do these five steps and then just sit back and wait for things to magically happen. You do need to take an active role in this process. You will need to take action.

If your goal is to go yoga three times a week, you would need to sign up and then show up for the yoga classes.  Yes, you will want to take action by setting your goals and taking action.  They difference is that you will be watching for those coincidences and then taking advantage of them.  So when those opportunities show up, and they will, you will want to say yes.

I remember saying I wanted to be a speaker. I followed all the steps, and then rather quickly I was invited to speak.  Guess what I did?  I freaked out.  My inner voice was screaming that I wasn’t ready! This could happen to you. So be prepared. Have someone who believes in you, someone who has your back, who is there to help you move through your fear. When you do, you will be stepping into your power, and then all of this can happen so easily.  It’s so important to trust the process.

The purpose of this exercise is to help you know what it is you are working towards with absolute clarity and to remind you every day exactly what it is that you are working towards.

If you are feeling inspired, please do one of two things:

  • Sign up for my free course in Unlock Your Financial Power because it’s the closest thing to working with me personally. The exercise above comes from the course, and this is the work I use with my private clients.
  • Book a private 30-minute session with me if you want to know what it would be like to work one-on-one with me. We could do just one session, or maybe more. It’s amazing what we can do in 90 minutes together!  Or it could be that we end up working together for the next 90 days.  To go to my calendar visit Talk with Katana or my coaching page.


Katana Abbott, CFP® practitioner, is a Wealth Coach™, host of the Smart Women Talk Radio™, founder of the Smart Women Companies with over 1 million subscribers globally, inspirational speaker and author of several books. She began her financial planning career in 1987 and became a Certified Financial Planner™ practitioner. In 2003, Katana created Smart Women’s Coaching® to offer financial coaching and educational workshops for women in transition who are dealing with caregiving, death of a loved one, divorce, retirement or looking to create or grow a business.  She founded Smart Women’s Empowerment in 2008 to bring free financial empowerment resources and programs to women around the world through her team of Contributing Experts. To learn more about Katana Abbott visit

Reclaiming Your Health the Shamanic Way

Reclaiming Your Health the Shamanic Way

Not so long ago, shamans were being wiped out and oppressed in countries all over the world. In some places people couldn’t even own a drum. Today, many people do not understand what a shaman is or what shamanism means. There are misunderstandings within churches because religious leaders, not knowing what shamans do, may preach that shamanic practices go against Christianity, Islam, or Judaism. This is really based on a misconception. Healing is at the heart of shamanism. (more…)

Crafting Your Flexible Career to Match Your Lifestyle

Crafting Your Flexible Career to Match Your Lifestyle

This is an exciting time for working women!  We are exploring flexible career options this month with two brilliant authors, Flex Career Expert, Kathryn Sollmann and Encore Career Expert, Nancy Collamer.

I’ve been fortunate to have designed a flexible career both when my daughters were young, and later when my step-father and mother needed me to step in as the Designated Caregiver®. I actually built an office onto my home and saw clients there. I later moved back to the corporate office while my daughters were in school, but ten years later when I was  47, I retired from my financial planning career to work virtually from home again to launch Smart Women’s Empowerment and Smart Women’s Coaching so I could write, speak, and teach women how to create prosperity and while living their purpose.

If you want to spend more time with your children or be available for aging parents or an ailing spouse and feel that your only option is to take a hiatus from your career, think again!  Kathryn Sollmann says, “Any time out of the workforce comes at a big price:  a woman loses up to four times her salary each year she’s out of the workforce.”  As a financial advisor, I can attest to this. Kathryn will be sharing how time out of workforce it affects not only your Social Security, pensions, and retirement savings, but also your confidence and ability to get back into the workforce later. Kathryn will discuss many new options, so don’t miss her show!

If you’re planning for retirement or already at ‘retirement age’ but want to continue working—whether to supplement your income or to stay mentally and physically active—veteran career coach Nancy Collamer shows how to identify your favorite interests and expertise and repackage them into more than fifty ways to earn income.

I’ve always advocated that you want to retire to something rather than from something, by working at something you love during retirement — something where you can again make a difference, perhaps your legacy.  Plus, earning just $10,000 a year in your encore career is equivalent to having an extra $250,000 in your retirement account.  You may be thinking, “How can that be?”  It’s because you really shouldn’t be taking more than 4% from your portfolio if you want it to last for 30 years or more.  So you would need $250,000 earning 4% to provide you with an additional $10,000 in retirement income. Now ask yourself, which is easier:  Earning $10,000 doing something you love or trying to save another $250,000 so you can retire?

This is your chance to explore your options. It’s your opportunity to learn from two very smart women!  Get ready for some exciting shows.  Please help us share Smart Women with other women in your life.  Invite them to visit so they can receive this ezine and get free access to the Smart Women’s Academy!

Katana Abbott, CFP® practitioner, is a Wealth Coach™, host of the Smart Women Talk Radio™, founder of the Smart Women Companies with over 1 million subscribers globally, inspirational speaker and author of several books. She began her financial planning career in 1987 and became a Certified Financial Planner™ practitioner. In 2003, Katana created Smart Women’s Coaching® to offer financial coaching and educational workshops for women in transition who are dealing with caregiving, death of a loved one, divorce, retirement or looking to create or grow a business.  She founded Smart Women’s Empowerment in 2008 to bring free financial empowerment resources and programs to women around the world through her team of Contributing Experts. To learn more about Katana Abbott visit

‘Styx’ tackles morality on the high seas

‘Styx’ tackles morality on the high seas

“Styx” (2018 production, 2019 release). Cast: Susanne Wolff, Gedion Odour Wekesa, Felicity Babao (voice), Alexander Beyer (voice). Director: Wolfgang Fischer. Screenplay: Wolfgang Fischer and Ika Künzel. Web site. Trailer.

When confronted with difficult situations, most of us probably do our level best to do the right thing. Were we to do otherwise, we’d likely have trouble living with ourselves, so earnestly taking steps to accommodate the circumstances often comes naturally, almost like a knee-jerk reaction. But what do we do when we’re faced with something particularly troubling, a scenario in which we’re up against seemingly impossible odds? Such circumstances push us to take a hard look at ourselves to see just how far we’ll go, a conundrum faced by a woman with her back against the wall in the new high seas drama, “Styx.” (more…)

Top Ten Signs of Alzheimer’s

Top Ten Signs of Alzheimer’s

Note: This list is for information only and not a substitute for a consultation with a qualified professional.

Please list any concerns you have and take this sheet with you to the doctor.

  1. MEMORY LOSS THAT DISRUPTS DAILY LIFE. – One of the most common signs of Alzheimer’s disease, especially in the early stage, is forgetting recently learned information. Others include forgetting important dates or events, asking for the same information over and over, and increasingly needing to rely on aides (e.g., reminder notes or electronic devices) or family members for things they used to handle on their own. What’s a typical age-related change? Sometimes forgetting names or appointments, but remembering them later.
  2. CHALLENGES IN PLANNING OR SOLVING PROBLEMS. – Some people may experience changes in their ability to develop and follow a plan or work with numbers. They may have trouble following a familiar recipe or keeping track of monthly bills. They may have difficulty concentrating and take much longer to do things than they did before. What’s a typical age-related change? Making occasional errors when balancing a checkbook.
  3. DIFFICULTY COMPLETING FAMILIAR TASKS AT HOME, AT WORK OR AT LEISURE. – People with Alzheimer’s disease often find it hard to complete daily tasks. Sometimes they may have trouble driving to a familiar location, managing a budget at work or remembering the rules of a favorite game. What’s a typical age-related change? Occasionally needing help to use the settings on a microwave or to record a television show.
  4. CONFUSION WITH TIME OR PLACE. – People with Alzheimer’s can lose track of dates, seasons and the passage of time. They may have trouble understanding something if it is not happening immediately. Sometimes they may forget where they are or how they got there. What’s a typical age-related change? Getting confused about the day of the week but figuring it out later.
  5. TROUBLE UNDERSTANDING VISUAL IMAGES AND SPATIAL RELATIONSHIPS. – For some people, having vision problems is a sign of Alzheimer’s. They may have difficulty reading, judging distance, and determining color or contrast, which may cause problems with driving. What’s a typical age-related change? Vision changes related to cataracts.
  6. NEW PROBLEMS WITH WORDS IN SPEAKING OR WRITING. – People with Alzheimer’s disease may have trouble following or joining a conversation. They may stop in the middle of a conversation and have no idea how to continue or they may repeat themselves. They may struggle with vocabulary, have problems finding the right word or call things by the wrong name (e.g., calling a “watch” a “hand clock”). What’s a typical age-related change? Sometimes having trouble finding the right word.
  7. MISPLACING THINGS AND LOSING THE ABILITY TO RETRACE STEPS. – A person with Alzheimer’s may put things in unusual places. They may lose things and be unable to go back over their steps to find them again. Sometimes, they may accuse others of stealing. This may occur more frequently over time. What’s a typical age-related change? Misplacing things from time to time and retracing steps to find them.
  8. DECREASED OR POOR JUDGMENT. – People with Alzheimer’s may experience changes in judgment or decision making. For example, they may use poor judgment when dealing with money, giving large amounts to telemarketers. They may pay less attention to grooming or keeping themselves clean. What’s a typical age-related change? Making a bad decision once in a while.
  9. WITHDRAWAL FROM WORK OR SOCIAL ACTIVITIES. – A person with Alzheimer’s disease may start to remove themselves from hobbies, social activities, work projects or sports. They may have trouble keeping up with a favorite sports team or remembering how to complete a favorite hobby. They may also avoid being social because of the changes they have experienced. What’s a typical age-related change? Sometimes feeling weary of work, family and social obligations.
  10. CHANGES IN MOOD AND PERSONALITY. – The mood and personalities of people with Alzheimer’s can change. They can become confused, suspicious, depressed, fearful or anxious. They may be easily upset at home, at work, with friends or in places where they are out of their comfort zone. What’s a typical age-related change? Developing very specific ways of doing things and becoming irritable when a routine is disrupted.

If you or someone you care about is experiencing any of the 10 Warning Signs of Alzheimer’s disease, please see a doctor to find the cause. Early diagnosis gives you a chance to seek treatment and plan for your future. The Alzheimer’s Association can help. Visit or call 800.272.3900 (TTY: 866.403.3073).

(Reprinted with permission from the Alzheimer’s Association.

Visit for more information.)

Can We Heal the Polarization of Our People? Yes! and Here’s How…

Can We Heal the Polarization of Our People? Yes! and Here’s How…

Recently, I have had a couple of experiences that have brought the increasing polarization within the United States to my attention–again–and the need to heal the polarization.

Last month I came under attack on my Facebook professional page from an organized hate group of volatile medical doctors who demonstrated little concern for actual facts or science. Seems an oxymoron, right? The very same week, I realized that the TED X talk I was set to deliver shortly was being heavily censored by the hosting committee. These two events got me thinking a lot about our current culture, its divides, and how this relates to our overall health and development as a society. (more…)

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