Podcast Summary: Highest Self Podcast®

Episode 592: Money Expert — Magnetize Abundance With Ease Through These Mindset Shifts

Host: Sahara Rose
Guest: Ajit Nawalkha
Release Date: March 4, 2025

Episode Overview

This episode dives deep into the intersection of spirituality and abundance, challenging old narratives around money and inviting listeners—especially spiritual seekers—to embrace greater financial prosperity. With guest Ajit Nawalkha, an entrepreneur and money mindset expert who went from a crowded home in India to becoming a CEO and investor, Sahara Rose breaks down powerful mindset shifts, practical strategies for earning and investing, and how healing one’s relationship with money is crucial for personal and collective expansion.

Key Discussion Points & Insights

1. Spirituality & Money: Shifting the Narrative

• Old Paradigm vs. New Paradigm:
  Many spiritual people struggle with charging for their services, believing wealth and spirituality are at odds.
  • Quote: "Bhagavad Gita never says don't make money. Most of the characters, the gods, the warriors, all of them are kings or queens. If you're spiritual, you should be asking for money." — Ajit (00:08)
• Modern Necessities:
  Unlike in ancient times, spiritual teachers today aren't sustained by community offerings and rely on money to continue their work.
  • Quote: "I don't see anyone at my door with banana bread...my landlord requires money. I can't be like, 'You know, what, blessings!’" — Sahara (03:29)

2. Personal Money Stories & Breaking Cycles

• Ajit’s Journey:
  Grew up with 23 people in a tiny home in India, realizing at 13 he wanted more space and abundance. He chose to learn from wealthy and giving individuals, eventually joining Mindvalley as an intern for $400/month and rising to CEO in six years (07:30–12:26).
  • Quote: "I told myself that day that this will never happen again in my life. I would never live a life where I don't have space." — Ajit (08:41)
• Sahara’s Upbringing:
  Learned money’s value through her father’s frugality and scarcity, which instilled both the desire to earn her own money and to create abundance for herself and others (02:50–06:39).

3. Beliefs Are Always Being Formed—and Can Be Changed

• Beliefs Are Ongoing:
  Childhood isn't the only time beliefs are formed; we're always adopting new stories about money and what’s possible (14:03).
  • Quote: "Beliefs don't actually ever stop getting created. Our stories, our traumas, are always being built and stacked." — Ajit (14:03)
• Empowered vs. Disempowered Thoughts:
  Every event can lead to divergent beliefs—empowered or limiting. Actively choose stories that serve expansion (15:03).
  • Quote: “Being stuck in whatever you believe today will never create something new. It’s not possible. You can only create from a new thought.” — Ajit (15:29)

4. Practical Money Mindset Shifts for Spiritual People

• Money Doesn't Mean More Problems:
  The belief that "more money, more problems" is a defensive narrative meant to keep people small (17:17).
  • Quote: "Managing money is actually not hard. More money means less management." — Ajit (17:17 & 21:10)
• Hiring Help = Freedom:
  As you earn more, delegating financial management gives you more time and energy for creative, purposeful work (20:31–21:52).

5. Charging for Spiritual Work: A Reframe

• Historical Abundance:
  Spiritual leaders in ancient texts were kings, queens, or supported richly; abundance enables a greater impact (22:24).
  • Quote: "If you’re spiritual, you should be asking for money. That might be the actual truth of the storyline of spirituality." — Ajit (22:59)
• Community Pushback is About Their Triggers:
  Criticism for charging often reflects others’ discomfort or scarcity mindset, not the actual ethics of abundance (27:32–30:14).
  • Quote: “We don’t realize that we’re taking advice from people who we would never want to be like.” — Sahara (27:27)

6. The Link Between Abundance, Generosity, and Spiritual Growth

• Giving Is a Signature of True Abundance:
  The wealthiest, most abundant people are also deeply generous. Poverty consciousness equals "taking from the world"; abundance = "giving to the world" (33:15–34:10).
• Spirituality & Abundance are Intertwined:
  “If you’re not spiritual, you’re not going to be abundant. If you’re not abundant, you’re not going to be spiritual.” — Ajit (33:15–34:10)

7. Earning More in a 9-to-5 & Building Side Hustles

• You Are Always Fairly Compensated:
  The universe pays according to value, not hours. To earn more, add more value (37:47–43:33).
  • Quote: "You’re always fairly compensated. Universe decides based on how much value you add." — Ajit (38:12)
• Creating Capacity for Growth:
  Even with limited time, consistency and persistence (e.g., dedicating hours before/after work) builds long-term abundance.

8. Investing 101 for Spiritual (and All) Women

• Conservative vs. Aggressive Investing Explained:
  Most people should start with conservative, steady vehicles—index funds (like S&P500, Vanguard) that are simple, low-cost, and reliable (45:56–53:20).
  • Quote: “Most people lose money in aggressive investing. But conservative investing is where you ask yourself the question, how much is a safe return that I can have that beats inflation?” — Ajit (46:44)
• Simple Steps:
  Allocate a percentage of your income to these funds, let it compound, and do not micromanage. Real estate is a next step if possible.

Notable Quotes & Memorable Moments

• Sahara Rose:
  • “I love money. I used to not have money. And I actually really like having money. It's fun. I get to actually be way more spiritual with it because I have a pink car and a pink studio and lots of pink outfits, and I get to travel the world and do what I want.” (04:16)
  • “Not healing our money mindset actually prevents the rise of consciousness.” (29:54)
• Ajit Nawalkha:
  • “Safety never led to growth. Safety never led to impact. Safety just led to safety.” (25:47)
  • “Abundance is available for everyone. I don’t need to show you my abundance. I need to experience my abundance.” (31:45)
  • “If you’re broke perpetually, that’s because you’re taking from the world. But if you’re giving to the world, you’ll never be broke.” (32:50)
• On Investing:
  • “Pick an S&P500 or a Vanguard fund…and you put the money there. It’ll compound over time. That’s the easiest way to invest. You will be a millionaire…the money will keep adding up.” (47:40)

Timestamps & Key Sections

• 00:08 — Spirituality’s historical relationship to money
• 02:50–06:39 — Sahara’s upbringing & money lessons
• 07:30–12:26 — Ajit’s personal story: From scarcity to abundance
• 14:03–15:29 — How beliefs are constantly formed, and can be swapped out
• 17:17–21:52 — Deconstructing “more money, more problems”; the power of delegating financial management
• 22:24–26:37 — Mindset shifts for spiritual entrepreneurs; reframing spiritual abundance
• 27:32–30:14 — Handling criticism about charging for spiritual work
• 33:15–34:10 — The abundant are the most generous
• 37:47–43:33 — Earning more in a traditional job; adding value and building side projects
• 45:56–53:20 — Accessible routes to investing for women and beginners

Conclusion & Resources

Sahara and Ajit end on the empowering note that abundance, spiritual or material, not only supports one’s personal wellbeing but also fuels impact and upliftment for collective consciousness. Practical wealth-building isn't in opposition to spirituality—it is an expression of it.

Resources Mentioned

• Ajit’s Instagram: @realcoachajit
• Book: Live Big — Free at downloadlivebig.com
• Dharma Coaching Institute: Learn More Here
• Investing 101: Research S&P500 and Vanguard funds for basic, steady growth

Final Wisdom:
"Trust your intuition, trust your inner wisdom, trust your inner guidance."

This summary is designed to give you both the big ideas and practical steps from Sahara Rose and Ajit Nawalkha, so you can rewrite your own money story and step into new levels of abundance—no matter your starting point.