So why doesn't it feel like it?

Why do you feel like you're in a constant back-and-forth struggle with your finances?

Why does it feel like you work and work and WORK and you can never get ahead?

It's not because you're not smart, educated, or lucky.

In fact, I bet you're all of that—and more.

It's because there are three factors that can sabotage your financial wellbeing—and you won't even know it.


Maybe you've always had enough and never really thought about what you have in the bank. Or maybe you've never had to deal with your financial health. Or maybe, just maybe, you're too scared to see what you have and what you owe, so you stick your head in the sand and hope that things work out.

And they always do.

As far as you know, money comes, money goes out, the bills get paid, and you're none the wiser to what's going on behind the scenes.

Factor #1:

You don't know what you got ('til it's gone)

We all carry the imprints of our upbringings, including how our families, religions, and societies thought about and taught about money. And sometimes, those imprints can subconsciously affect how we approach our finances.

Maybe you're a borderline hoarder and you keep an iron grip on your cash—because your parents lived through a war and warned you about the hazards of not having reserves.

Or maybe you really want to treat yo'self to a day of rest and relaxation—but you can't manage to plop down money on something "so frivolous" because it's SELFISH and there are SO MANY other WORTHY CAUSES that can use your cash.

In any case, you stay stuck because of the invisible scripts running in the background. And like a computer that slows down when it meets an incompatible piece of code, your brain also gets bogged down by beliefs that don't jibe with you and what you want out of life.

Factor #2:

You have some sneaky mental programming jamming up your brainwaves

Perhaps you have a deep desire to drop everything and travel the world—but you can't, because you have a mortgage, a car loan, and three kids who play soccer (and the season is starting soon).

Or maybe it's a little less dramatic than that. Perhaps you want to increase the quality of your diet, but a large chunk of your income goes to fast food and beer.

When we don't seem to have money for what we want, it's more likely that our spending isn't aligning with our values. And if you don't know what your values are? This goes double, because you don't even know that you're spending is out of alignment!

Factor #3:

You're spending your money all wrong—for you




I grew up in a solidly middle-class family.

We weren't poor, and we weren't rich. We always had enough cover our needs and most of our wants, and so I sailed through my childhood blissfully unaware of how much money we did or didn't have.

Along came college, and so continued my smooth sailing: between a boatload of scholarships, a healthy college savings fund, and a handful of stipends and campus jobs, I graduated with no student debt and no idea of what exactly went on behind the scenes.

You'd think that entering the real world and getting my first job would wake me up, but nah—I earned a good salary, enabled automatic savings, and had more than enough to cover my credit cards and bills every month.

Then I got married.

As it turns out, running a growing household is much different than making sure you can cover your bar tab or afford to take a last-minute vacation. (Cue the eyerolls.)

There's the rent or mortgage, utilities, and a suddenly gigantic grocery bill. Then come hospital fees, diapers, and those really cute jumpers that your baby outgrows after one use. All this is followed by preschool tuition, sports registration, and, yep, more hospital bills when your six-year-old launches herself off the monkey bars and breaks her arm.

Not to mention the fact that you're balancing what YOU want with the wants and needs of everyone else in your household.

Needless to say, it was a wake-up call.

Now, maybe your wake-up call is different from mine. (In fact, I'll bet it is.)

Maybe you lost a job, or are responsible for an elderly parent, or took a hard hit during an economic downturn.

But you know that the time has come to open your eyes—and your bank statements.



The first quadrant of Malama Your Money is maopopo, the Hawaiian word for "understand or recognize". This quadrant focuses on your current financial situation. 

To establish your starting point, you must learn exactly how much money you have, how much debt you’re carrying, and where your money is going on a monthly basis.

We do this with the Money Snapshot, a one-page spreadsheet that gathers all of your information in one place so that you have a crystal clear picture of your finances.

When I realized how we were really doing financially, I totally freaked out.

"How could you let this happen?"

I might have been screaming at my husband (not my proudest moment), but I was really asking myself: How COULD I let this happen? How DID we get so far off track?

My knee-jerk reaction was to ratchet down our spending. We cut out every single expense that had absolutely nothing to do with our immediate survival. We cancelled vacations and social engagements. We made meal plans that relied on peanut butter and sawdust. (I'm only partly kidding.)

And you know what?

Not only were we miserable, but things didn't get any better. It almost seemed like they got ... worse.

The problem was that I was looking at money as if it were the enemy. It was something that we didn't have enough of, and we would never have enough of, and it could go screw itself.

Something had to change. And that something was my outlook.

When I started to see money as a tool to support our lives instead of a necessary evil to master, our financial health improved dramatically.



The second quadrant of Malama Your Money is mindset. This quadrant focuses on how we think and feel about money—so that we can disable the invisible scripts sabotaging how we deal with it.

We do this through a variety of exercises and practices designed to fundamentally change your thought processes and give you relief from any low-level anxiety that may be lingering in the background.

With the mindset change came a powerful shift in how we used our money.

Instead of throwing dolla'-dolla' billz down any black hole that presented itself to us, we got intentional about how we wanted to spend our money.

After closely watching where our money actually went, we started to make small, manageable adjustments to our spending. We increased the amount spent on things that mattered to us, and slowly decreased our spending on things that, upon examination, didn't matter to either one of us.

And if things didn't quite go according to plan?

That was fine—we simply moved some money around and moved on. 

Quadrant #3


The third quadrant in Malama Your Money is management. This quadrant focuses on how to use your money so that it supports your life—instead of it using you.

We do this through the Spending Plan, a living document that is based on what matters to you and changes as your life does—including and leaps in income or net worth that you may experience.

We were finally in a good place. Sure, we were thousands of dollars in debt and only had one reliable income, but we had a Plan.

And that Plan included the things that we wanted to do.

When we stopped diverting funds into the things that didn't really matter to us, we suddenly realized that, on the exact same income, we could afford to do the things that we always said were out of range for us.

We could travel to Europe and Hawai'i.

We could start wearing higher-quality clothes and eating higher-quality food.

And we could pay off our debts years ahead of when we expected.


Making manifest

The fourth and final quadrant of Malama Your Money is making manifest. This quadrant focuses on how to increase your income and start funding your Big Dreams.

We do this through mid-term planning and out-of-the-box thinking laser focused on what you want to create and do. This quadrant also includes advanced methods for improving your financial health.



Malama Your Money is an 8-week virtual course that focuses on improving your relationship with money so that it becomes a powerful tool that enhances your life instead of a constant worry that drags you down.

Modules are released on a weekly basis, and include lessons, worksheets, and exercises that steadily help you improve your financial health.

In addition to the class material, you also get access to a private discussion forum so that you can connect with other participants and get support as you start to experience increasing prosperity and abundance.

You also have the opportunity to join in our office hours, held once weekly so that you can ask your questions and get answers fast.




… you are willing to commit to the coursework and principles. Each quadrant is necessary to achieve a complete revolution in your financial life.

… you aren’t afraid of getting in touch with your Inner Self. Many of the ways that we think about, interact with, and use money is deeply rooted in our psyches, and changing our behavior requires addressing our hidden beliefs.

… you are seeking to improve your relationship with money for good. Using the methods outlined and detailed in the course, you have the opportunity to completely change how you use money for the rest of your life.


… you don’t believe that our Inner Selves affect our outer actions. Without recognizing that there’s something going on underneath the surface, the principles and methods used in this course will not be nearly as effective.

… you are deeply in debt. If you are facing foreclosure, bankruptcy, or another major financial catastrophe, seek professional help from someone who has the authority to intervene on your behalf.

… you are looking for a get-rick-quick scheme or method. Malama Your Money isn't a way to make a fast buck; it totally revolutionizes your relationship with money—and that takes time. 


There is no dignity quite so impressive, and no one independence quite so important, as living within your means.
— Calvin Cooldge



What does "malama" mean?

"Malama" is a Hawaiian word that means "to take care of, tend, or care for." As a noun, it can also mean "caretaker or keeper." So, when you malama your money, you are taking care of it—so that it can take care of you.

How do you say "malama"?

"Malama" is pronounced "MAH-lah-mah". Technically, there should be a kahako (a macron) over the first "a," but the font I chose doesn't allow for that.

Can I take this course if I'm not the primary breadwinner?

Absolutely. In fact, if you’re a secondary earner or dependent spouse, this course is probably a better fit for you because making money is only half of the equation. What’s equally as important is knowing what to do with the money once it comes in—and holding onto it long enough to do what you want.

You said I shouldn't take this course if I'm deeply in debt. What if I have just a little debt?

If you have some debt, that’s fine. If you are able to purchase this course without denying yourself or your family of their basic needs (food, clothing, shelter) or seriously compromising your livelihood, then you are a perfect fit for Malama Your Money.

However, let me repeat: if you are deeply in debt, please seek professional counseling from a person or agency that can intervene on your behalf.

The economy in my country is terrible! So what's the point of taking care of money that I can't earn anyway?

If you don’t think that there are economic opportunities available for you, then you’re absolutely perfect for this course. Malama Your Money specifically focuses on improving your mindset so that you can see the economic opportunities that are there. Because there’s always something you can do. (And we address this issue in Week 5.)

When does malama your money start?

Malama Your Money begins April 24, 2017. The enrollment period begins roughly two weeks before that, so if you'd like to be notified, click here and enter your name and email address.

How much does Malama Your Money cost?

Malama Your Money is only $49 for the entire 8-week course, making your daily coffee habit more expensive on a weekly basis.

OK, wow. Why so little?

The April round of Malama Your Money is a beta round, which means that some information may get tweaked or moved around during the actual running of the course. The benefit to you is that if you enroll now, then you have access to the material for the life of the course—through every upgrade, at absolutely no cost to you outside of your initial investment.

Why not just make your beta round free? Everyone else does.

Absolutely true. And have you taken some of those beta courses? You don't put as much effort into it, do you?

That's because in order to really get the benefit out of an educational experience, you have to have a little skin in the game. When your money is on the line (literally here), you're more likely to show up and do the work.

Who are you, and what makes you the expert?

I'm not an expert. In fact, if you're looking for an expert, certified anything to teach you, then you're in the wrong place as I'm neither a CFE, CFP, or CPA.

However, I've used the techniques in this program to clear almost $20,000 of debt in about 20 months while simultaneously increasing our income by 20%, doubling our net worth, and traveling around the world. I think that counts.


About Lynn Daue

I am an author & speaker and the creator of Malama Your Money.

My work focuses on the intersection between personal responsibility and personal development with a decidedly positive outlook. I believe in living on purpose—both in the sense of "I meant to do that" and "this is what I was meant to do."

In addition to Malama Your Money, I am the author of Release & Refine, a multimedia workbook that helps you clear your schedule, find your priorities, and spend your time on purpose, and Lucky Pitch, a publishing guide for entrepreneurs who want to grow their audiences and their incomes.

My books and courses are based on research, experience, and personal experimentation in the fields of linguistics, psychology, sociology, business & entrepreneurship, and finance & economics from a layperson's perspective. Which is a fancy way of saying, "I read a lot, try things out, and then distill what I've learned so that others can apply it to their real lives."



No matter what you believe about money, it is how we demonstrate value and exchange energy in our society for the time being.

It's not going away any time soon. So you have two choices:

1) Let it continue to rule your life and your head, robbing you of emotional and financial gain


2) Revolutionize your relationship it and allow it to improve the quality of your life from the inside out

Are you in?