How to Become Debt Free By Shifting Your Money Mindset

Toyin Crandal Money Mindset

Toyin Crandell, author of the Money Mindset Shift and host of the Millionaire Money Podcast, talks about helping her clients ditch their limiting beliefs about, money, by shifting their, money mindset, design a simple, proven and customized, financial freedom, plan so they can, build wealth, become, debt free, and create a new legacy.

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Bio

Toyin Crandell is the host of the Millionaire Money Podcast, a best-selling author, a financial mentor, an international speaker, and the founder of Money Mindset SHIFT.

She specializes in helping business owners and career professionals ditch their limiting beliefs about, money, design a simple, proven, and customized financial freedom plan so they can build wealth, get rest, and create a new legacy.

She has coached thousands of individuals and families, helping them increase their wealth by $10s of millions of dollars and pay off millions of dollars of debt while enjoying their lives in the process.

Using the principles she teaches, Toyin Crandell went from being stuck in tens of thousands of debts, having no food for her family to building eleven streams of income and running her own multi-million-dollar company.

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How Toyin Became a money mindset coach

Toyin: I was in full time ministry and I loved what I did. Me and my husband are both professional musicians. That’s how we met. So,  I was like, God is good. Life is good. Who needs, money.  December 2016 we were living in a tiny basement apartment. The apartment was so small. I think our whole apartment fits into my current master bedroom now. It was so small; you had to go sideways and do a shuffle to get some clothes out of the closet. And we had a little six-month-old daughter, I really didn’t care. I didn’t even notice any of these things.

We had our daughter and I remember one evening my husband had brought me dinner in the bedroom. Because we didn’t have a dining space and I’m eating dinner, and I was just like, Baby, where are you? You know, he’s not in the room like there’s nobody else in the house but me and him. So, I said to him come eat over here. And he comes in the room and I’m just casually asking him, what are you having? I was eating some canned stuff. And he said, I am having chocolates and I was like, what do you mean chocolates? And he said Toyin we’re out of food.

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Dinner was canned food and chocolate

I found out that week he had been giving me the rest of our food because I was nursing our daughter. And even the chocolates that he was eating were not chocolates that we bought. It was because it was December it was Christmas season and people had given us a gift of a box of chocolates. So, he was living on that, so I could feed our baby and that was my very first, forceful wakeup call where in my mind I thought to myself, Oh, my gosh, this isn’t working, money, matters.

I started having 1000 thoughts in one second, I’m thinking to myself, we need to be able to feed my daughter. It’s one thing when you’re single and you don’t have food and you can eat rice from January to December. Nobody cares. But now have a daughter that I am responsible for, so I get this wakeup call, what do I do? Me and my husband very resourceful people, I tell him it’s not working. I’ve been watching a ton of webinars. I’ve been listening to all these different things to try to learn from people. And I was not working, else we would have food in the fridge.

So, I get my first coach and this person was a, business strategist, and they helped me to like start thinking more like a business person as opposed to thinking like a Lottie, Dottie person. And I remember in February I had collected $7,000 in cash and I was like oh my goodness, this is the breakthrough we’ve been waiting for.

Myrna: What did you sell to make the $7000?

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Helping people to become debt free

Toyin: I was helping people to become, debt free. So, here’s the funny thing. I had debt in the past and I thought that, debt freedom, was, financial freedom, because I didn’t understand, money. So, I learned how to be, debt free. And I had started teaching it as a business casually, I didn’t even plan it. I just became, debt free. My friends were like, Oh my gosh, you’re, debt free. How did you do it? I Started telling my friends, and they became, debt free. I’m spending all this time talking to people and they’re all becoming, debt free. And I wasn’t getting paid.

So, I was like, I should get paid for this. So that was what had started like me charging for teaching people how to become, debt free. What happened was in the same month where we’re emailing about rent and bills, I get this favor to get into a room with these technical, millionaire mentors. And these are people who are running businesses that are in the hundreds of millions of dollars and

I’m in the room with them learning from them. I started noticing these guys they don’t talk like me, I started noticing so many little things. And I realized that I had been in so many circles. We prided ourselves on our, struggle. I get in this room with these actual, millionaires. And one of the men had this chart and it started with:

  • struggle,
  • survival,
  • sustained success,
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Shifting your money mindset from struggle

He asked us in the room, where are you on this ladder? And like earlier that year he met me in February have been like at least I mean, sustained success, but at this point, I am under, struggle, again. And I just remember thinking to myself, if I don’t figure out what is holding me back financially, I will always be under, struggle.

I realized that the problem isn’t to be, debt free, because I had become, debt free. I was, debt free. But the problem was my mind was so against having, money, that even though our expenses was the lowest you could imagine. We reduced our income to be lower than even those expenses, because we were so used to, struggle.

Myrna: I teach that all the time. Let’s label this, mindset. It’s called a, poverty mindset.

Toyin: That’s exactly right. That means no matter what actions you take, you produce, poverty. And in that month, I create this process. So now let me talk about how we got to 11 streams of income. I create this process where I just started asking myself questions. I got honest with myself on a level that I had never been honest with myself before. I asked myself:

  • What are the limiting beliefs I have about, money?
  • What is my actual relationship with, money?
  • What am I doing wrong?
  • What is my pattern with, money?
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Why shifting your money mindset works

So now I see the problem and I create this shift process. I didn’t know anything about neuroscience back then. I didn’t know anything about, mindset coaching.  I just knew I was sick and tired of, struggle. So, I use this process for myself. I never thought I would even tell anybody about it.

The next month, November, we had more income. And my husband pointed out to me, he’s like, hey, you just had more, money, come in, in November this month, than all of last year combined. And he says to me, what are you doing? Do you have a new offer? Do you have a new business like what are you doing that I didn’t hear about? Honestly, I was shocked. I hadn’t looked at the numbers from that frame.

And I said to him the only thing I did was change my, mindset. I thought to ask myself, I wonder if this mind process would work for my clients because I haven’t taught them anything about mindset. It was all strategy and our success rate because our success rate was around 50%. The industry average ranges between 3% to 50%.

In coaching, our success was 60. I used to be proud of that. But I used to be so frustrated about the remaining 40%.  Why were these 40% still in poverty? When I started teaching, money mindset, our success rate went to 95%, our people start scaling and becoming, millionaires.

In the process of up leveling my mind every single year, I’m honest about this. I am a human being I still have, money mindset, challenges, the difference is the level.

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Becoming a millionaire by shifting your money mindset

Myrna: You’re no longer scratching the bottom.

Toyin: I remember it took us from $60,000 a year to 130,000 a year to 600,000 a year to over a million in a year, so we were growing every single year. I would literally sit my butt down with my process and say, Okay, what’s the new level? What’s the new identity that God is calling me to operate in. Because guys, money, is never just about the numbers.  When I set goals, when I push and when you want to push, you’re not doing it just because of the, money;  money itself is neutral. It means nothing.

All it is a marker of the value that you are bringing to the world and you are allowing yourself to receive. And so, I realized the more people I can serve this, money, thing is just a way for me to see how many people am I helping? How many people am I making into, millionaires, or whatever the goal is.  I’m a finance person naturally, as soon as the, money mindset, got figured out, we were off. We now have 11 streams of income.  We’ve got real estate properties, you’ve got dividends, we’ve got stocks, we’ve got royalties, we do workshops, plus, passive income.

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Transform Your Mind PTWWN TV – Become a Master of Your Money 

Passive income streams

So, we have, passive income, streams and active income streams, but all of it came out of one thing one thing a, money mindset.   Start your income making machine, you need an income making machine that allows you to do all the other fun things that you want to do. What your income making machine will not produce unless you face your, money mindset.

So, unless you look at your, money mindset, and allow yourself to be able to get to a level you’ve never been you are not going to become a, millionaire.  We coach people who are, millionaires, and we coach people who have not worked a job in eight years and the conversation may be different, but we are training the subconscious.

Shifting our money mindset

Myrna: So how do we shift our, money mindset?

Toyin: Okay, the first thing that you want to do is you need to get honest with yourself about what’s not working. If you cannot be honest with yourself about what’s not working in your finances, you will never fix it. And this is actually the hardest part, being honest with yourself. Most people never want to do that because it sucks to look in the mirror.

And so, the first thing that you guys want to do is to get your, money, right.  You have to sit down with a pen and a paper and write down what are the patterns that I am seeing happening In my life that are giving me clues. The, money mindset shift, is simply follow the money.

So, for example, if you have a savings account, and your savings account, never crosses 5k, some of you guys you’re doing very well your savings account may never cross 100K.  You get what I mean? Like everyone has those limits, where were the ones that never crossed 55 bucks.

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Google Podcast Transform Your Mind

What’s your money pattern?

When there is a pattern, we often get lost in the story. The reason my account never got past $500 was because my fridge broke down. The reason was because I chose to go and shop this time.  The stories will always be different but I don’t look at the story, I look at the pattern. What is the pattern, the pattern is when you hit $500 your money disappears.

So right now, what are the patterns that I am noticing in my, money?  I will save this specifically for those of you who earn a higher amount than people around you, you are in one of the most dangerous positions financially. Why? Because when we work with a lot of, millionaires, and we find that because you are doing better than most people, everyone around you is super impressed.

They’re like, Oh my gosh, Look at your income. And a lot of these people don’t notice whether or not, money, is staying. Yes, you’re working hard. Yes, you’re bringing in bank. Yes, you’re making the dollars; But you’re not building generational wealth. You’re not keeping any of it. You’re not keeping it. But once you shift your, mindset, you have to take action.

Book money mindset shift
Book: Money Mindset Shift

Toyin’s book Money Mindset Shift

Myrna: I know you just started your podcast. Tell our readers how they could connect with you.

I’m the host of the Millionaire Money Podcast. It is so much fun. We just teach business owners and career professionals how to think like a, millionaire, make wealthy decisions and take strategic action so that you can actually create the, millionaire, bank account and lifestyle that you want. So, our goal in that podcast is literally helping you to get your first $100 million dollars.  We’re going to be taking you to the next level. So that’s the podcast.

And then the second thing is some of you guys may be saying, I’m ready to shift this brain of mine, I am ready to actually begin to live out the wealth that I’m looking for. For those of you guys you can go to www.moneymindsetshift.ca and you’re able to watch a free master class. Now we have two master classes. One of them is for everybody, and the other one is specifically for business owners who are currently at six to seven figures. So, if you’re thinking seven figures is a masterclass for you. And if you’re a career professional or business owner and looking to earn your first million then the second master class is for you.

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How to Play to Win with the Cards you are Dealt in Life

play to win the game of life

We should, play to win. I wrote the book “Out of the Snares, a story of Hope and Encouragement” with the intention of drawing, life lessons, from various aspects of my Life and how I, played to win.  For example the first life event that I introduced in my book is as a victim of childhood, sexual abuse, and being born into, poverty.

The, life lesson, I share here is that of the, victim mentality.

You don’t have to be a, victim, in life; instead become a player.

 

Just like in the game of blackjack, if the dealer is showing a picture card and you only have small cards, you don’t chuck your hand in and say there’s no way that I can win.
You must, play to win. All you need is the intention to win and guess what, your hand is going to get better.

Quitters Never Win and Winners Never Quit

 

Here is a short excerpt from my book:

Out of the Snares a story of hope and encouragement

Intro How to Play to Win – My story

I was born into a family with nothing, my mother and grandmother were both domestic servants. My dad was in Teachers College and did not know his real father. He lived with his mom and stepfather who was an alcoholic. In 1959 Guyana was a British colony of England.
Just like England colonized India and took all the wealth out of India, in a similar way England took all of Guyana’s resources out of the country.
Most of the Blacks and Indians were living in, poverty. My mom and grandmother worked for white English folk.

As a child I was always fed and had clothes and shoes to wear. My mom and grandmother both made our clothes.
So, it was understandable that I would be drawn to my godfather, who was a wealthy man with several houses, several cars and a corner shop filled with snacks and chocolate bars. Mr. Clark as I will call him took a liking to me beyond that of a Godfather and treated me like his grandchild.

I spent a lot of time at his house. He took me out with his family every weekend and really showered me with things.
He gave me food, gold chains and gold bracelets, he was also a goldsmith. I ended up sleeping over at his house several times per week and playing with his grandchildren. He used to like to bounce me on his knee with his legs massaging my private parts.

One day my memory recalls, I was about five years old, he braced me up against the wall and caressed my body. As I got older the, sexual abuse, became more intimate.
He would rub my legs whenever I was close. His favorite was the feeling me up in the front seat of his car while driving me to school.

His hand would be under my skirt fingering my private parts. I was sure that people in other cars could see this, sexual abuse, but he said they could not.
This, childhood sexual abuse,  continued for several years until one day he took me behind his shop and took my virginity with his fingers.

I didn’t tell anyone I’m not sure why. I do remember thinking that I loved him so much and wanted to die before he did.

Mr. Clark started getting a reputation for liking little girls and my dad asked me one day if Mr. Clark ever, sexual abused, me, I lied and said he had not.

I’m going to skip a couple of paragraphs, I don’t want to get into the nitty-gritty details here.
I’m going to read to you now my conclusion of this chapter.

Play to Win by collapsing your consciousness

How did I, play to win? Looking back, if I were to collapse my consciousness and become the observer in this experience, I would say that at some subconscious level I knew what we were doing was wrong. I knew that I was being, sexually abused.
I’m not sure why I chose to keep it a secret.

Research shows that children of, childhood sexual abuse, never tell, they become ashamed and feel that they are to blame. I know I have always felt shamed. It took me a very, very, long time to share my story. Writing this book was my way of coming into the light and putting the devil on notice that I will no longer let guilt and shame be a part of my life.

That was my introduction to my book.
Pick up a copy to read the full story.

Playing to Win Using CANI

I have, played to win,  the, sexual abuse, card and, poverty, by concentrating on, CANI. Constant and Never Ending Improvement.
They say that the secret to happiness is always moving towards a goal and that is how I, play to win.

It is wonderful that we’re meeting today in a library because I have always been a reader.
Reading books is how you, play to win!

Tony Robbins is now a billionaire because he made himself read 700 books per year and those books taught him everything he knows.
Pat Riley of the Miami Heat said

“If you’re not growing, you are dying”

Play to win using vibrational frequency

The second way I have, played to win, with the cards I have been dealt was to become conscious of my vibrational frequency.
I learned that later in life before I wrote my first book
“Becoming Conscious, my awakening”

I started understanding my vibrations. You see whenever somebody does something to us, we feel bad and what happens when we feel bad?
We attract more of the same. We always say bad things comes in three’s, that is because you are attracting them to you.
So when you’re in a funk you have to find some way to make yourself feel better, and one of the ways I do that is to always live in gratitude.
Because regardless of what’s going on in your life, there’s always something that you can be grateful for. Breath, sight, food in your fridge, etc.
So, find some gratitude and feel that energy release a positive force that reverses all the bad in your life!

Survivors of, sexual abuse, don’t owe anyone our stories. Here’s why I’m telling mine, MeToo
Click this link to hear a similar story
https://www.latimes.com/opinion/opinion-la/la-oe-warnke-metoo-sexual-violence-20171016-story.html

Genese Vertus Playing to Win 

In 2009 at the age of 33 Genese became CEO and founder of Passion Rescue Mission and reopened the Genecoit Vertus School of Excellence in Francois, Haiti providing tuition free education and serving over 225 students.

Genese How Have you played with the cards you were dealt in Life?
Winning has to less with the cards you have in your hand and more to do with how you play the game.

You have to, play to win.

How did I, play to win? I was born in one of the poorest countries in the Western Hemisphere, which is Haiti.

The goal is to win no matter what seven piece of dominoes or cards you have in your hand.

Kenny Rogers sings a song that says

“You have to know when to Hold and when to Fold”

Three simple things helped me play with my cards.
1. My faith in God
2. Pursuit of an education
3. A strong support system

I was fortunate enough to come to this great country to get an education and in 2009 I returned back to Haiti and reopened a school that my father built. We started with 189
students at that time currently we have 225 students getting a tuition-free education in one of the poorest, mountainous, villages in Haiti, which is Francois Haiti. We provide meals, we provide school supplies we provide uniforms and we have 12 teachers that are employed.

I have a waiting list of over 300 students wanting to get into that school right now; so it’s not enough To, play to win, we must give back. Once you get to where you need to be, you need to
reach back and help your people.
If you need information on making a donation
Please visit www.passionrescuemission.org </a

Jenny Wang Playing to Win 

Jenny is passionate about helping people improve Performance through holistic learning. She is a Professional Certified Coach and a Senior Learning and Program Manager at Nutranext, which is the healthiest employer in the US. Jenny is also a Certified Health Coach and co-author of Bringing Mindfulness to Your Workplace. Jenny and I worked together at Office Depot. She was my mentor at Toastmasters, then she became my Coachee as she worked on finding her purpose. I’m Sure she has found her purpose.

Jenny – I have had some good cards. But there are some cards we cannot choose. We cannot chose our Father we cannot choose our Mother or our relatives.
I was born and raised in China in a very traditional family. I don’t have trauma in my life, my parents are very lovely and educated; but there’s one thing that we never agreed on. When I got married I never thought I wanted children.

I don’t know how many of you are natural parents; but I was not one of them. When I was at 34 years old my father called me from China had a big argument with me. He wanted to have a grandchild. So, How did I, play to win? I chose to honor my father’s request because family is important to me.

Now eight years later, people ask me what was the best decision I’ve ever made in my life? And I say “To have a child” My son has brought me so much joy, so much wonderful
things to my life that I have never ever thought that I would have.

The second card everyone has, but they also cannot chose is
Passion and purpose.

The 3rd card we are dealt is  Health. The most important thing for everybody is good health. I decided to take the journey of being a, Yoga Instructor, and a Health Coach.

I learned we can become happy by changing how we move our bodies. Yoga, encourages us to think about our health.
No matter how busy you are, no matter how much outside achievement you have, by the end of the day you have to take time for yourself.

I hope you enjoyed this presentation both audio and written. Now I need something from you.
Support Passion Rescue Mission by making a donation.
Subscribe to this podcast and leave a review. And don’t forget about sharing this podcast. I am sure you know at least one person who could benefit from the information shared here today.

https://itunes.apple.com/us/podcast/transform-your-mind-coach/id1144973094?mt=2

So click the link and share! I will be most grateful.

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Additional Resources

 

https://blog.myhelps.us/how-to-win-at-the-game-of-life/