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Macro Side of Money

The

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MACRO SIDE OF MONEY

Chapter 1

 T h e

From inner realms to outer systems, take a ride with me into the larger reality of

money and how it affects each of us on a deeply personal level.

WHY

THIS?

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ello, dear Art of

Moneyers!

You’ve probably noticed bynow that my money work has

a particular focus. I love to

start with the individual, ultra-

personal, soulfully deep stuff.

We start deep within your

own psyche and body and

daily life … do Body Check-

Ins and personalized practices

… and explore your intimate,

unique Money Story.

You could call this the

“micro” money

relationship.

THE INSIDE OUT APPROACH

! This is how the global conscious money movement(that YOU are a part of!) is gaining momentum.

 Page 2. Copyright Art of Money 2014. All rights reserved.

WelcomeLET’S BEGIN

H

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From this starting point, the work ripples out to your close

relationships … couple dynamics and family stuff … and

then further out to your community … into your calling and

industry … and finally to larger and larger systems,

economies, and structures.

This is the inside-out approach. And I love it.

It makes sense to my body-heart-mind. And I’ve seen it work

beautifully. Like one pebble falling into a still pond, the

ripples get larger and larger … and reach the outermost

banks. You engage with this work for a few months, and

suddenly your husband takes notice … you go on a few

money dates … he shares stories of your deeper intimacywith his friends … and so on. This is how the global

conscious money movement (that YOU are a part

of !) is gaining momentum.

Eventually along my path, this led me to the “macro” view of

our money relationships.

The grand, sweeping, systems views. Looking at money

through the long lens of historical trends and global

economics. Wondering about our place in these enormous,

global structures.

All that big, fascinating stuff.

So I started asking questions about the “macro” side of

money. For my own curiosity — but also to serve you, my

community. Because this is rich territory, filled with game-

changing-ly big ideas. Insights that can radically shift

how we see money and its role in our lives.

I wanted to learn from the very best about this “macro”

approach to money. So I went straight to the experts. The

economists and visionaries and Big Thinkers. People whose

minds work in this meta, systems view kinda way. I’ve been

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delighted to discover the work of people like like Bernard

Lietaer, Lynne Twist, Christopher Houghton-Budd, Charles

Eisenstein, and many others. Their expertise and vision in

this area has inspired me for years, now.

Money has soooo many different facets. Angles of

perception. Avenues to understanding.

I love exploring money from as many of these angles, as

possible. And I always try to keep one foot in the ultra-

practical, nuts ’n bolts world … and the other foot in the

subtler realm of the felt-but-unseen: call it energetic,

spiritual, or whatever you like! This “yin and yang” is the

combination I’m drawn to, and I know my communityconnects with, as well.

So, for this special, bonus piece on our “macro” relationship

to money, my team and I have pulled together some great

resources for you to explore. They reflect both practical and

soulful elements of money — all at a larger, “systems” view.

Get ready for a journey through four key areas:

• The Gift Economy: Charles Eisenstein + Karma Kitchen.

• Yin + Yang Currencies: From the Euro to Complimentary

Currencies, with Bernard Lietaer.

• Zooming Out: Katie Teague’s 10,000 Foot View.

• Full Circle: Orland Bishop on the Macro + Spiritual Side

of Money

Kick back, relax, and get cozy.

As always, I invite you to grab a cuppa something to soothe

 your soul, a nibble of dark chocolate, and maybe even your

money journal. There’s a lot to digest here, so please, take

 your time. You don’t have to take this all in in one sitting. (In

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fact, you won’t really be able to do this material justice in one

sitting, as it would take several hours!) Feel free to wade into

these waters, step away, and come back again and again, as

 you feel ready.

Enjoy, everyone!

As always, we’ll love hearing what you discover and

appreciate along the way.

Xo,

Bari

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GIFT ECONOMYCHARLES EISENSTEIN + KARMA KITCHEN

Chapter 2

 T h e

This territory is new for most of us, so let’s take this one itty bitty step at a

time...

BITE

SIZED

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know this “macro

 view” of money is

pretty new territory

for so many of us. But don’t

fret or get overwhelmed.Instead …

Let’s start with a bite-sized

morsel of macro goodness:

the lovely short film, Sacred

 Economics.

This little film had a fitting

birth: director Ian

MacKenzie, a “media activist”

and filmmaker (who’s created

films on many other subjects Iknow this Art of Money

community will love

exploring) felt moved to create

this film, as a gift, after

reading Charles Eisenstein’s

book  by the same name.

CHARLES EISENSTEIN

! Sacred Economics

! “We’re in the business of creating a miracle here on Earth …” 

! There is hope...so much hope.

page 7. Copyright Art of Money 2014. All rights reserved.

A MOVEMENT

Sacred Economics 

I

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Who is Charles Eisenstein, you may be wondering? He’s a

man of many talents, and a wide range of life experiences,

who’s spent a great deal of time thinking deeply about the

world and how it is evolving. You can learn more about him

and his unusual background here.

Without further ado, it’s time to make yourself comfy and

watch this powerful little film. As always, especially during

the first half, you’ll want to do some Body Check-Ins. 

Sometimes looking at where we are currently in our macro

relationship to money is painful, and can bring up a lot of

feelings.

Keep checking in with your body, your breath, and yourself.

Stay present and compassionate.

Remember: this is hope. So much hope. And while the

beginning of the film might not suggest that, just wait ‘till

 you get 5 minutes in!

The film is only 12 minutes and 8 seconds. And, I promise:

it’s so worth it.

Watch the mini-film, Sacred Economics, right here.

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eady to see the “gift

economy” in action?

Welcome to Karma

Kitchen!

This is such a lovely exampleof the gift economy! Karma

Kitchen is a volunteer-run

restaurant with locations in

Berkeley, California,

Washington, DC, and

Chicago, Illinois (my

hometown!).

Here’s how it works: your

meal is paid for by the people

who came before you. Andwhen you “buy” food there,

 you receive a bill with a note

inviting you to pay for the

meal of the people who will

come after you.

GIFTIVISM

! “The gift economy is a shift from consumption tocontribution, from transaction to trust, from scarcity to

abundance, from isolation to community.” ! Essentially, you’re buying a meal for the person who

will come after you...

page 9. Copyright Art of Money 2014. All rights reserved

PAY IT FOREWORD

Karma Kitchen

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Get a taste of this delicious arrangement in this short video.

“The gift economy is a shift from consumption to

contribution, from transaction to trust, from scarcity to

abundance, from isolation to community.”

Now I want to go eat at Karma Kitchen! Don’t you?

The macro view of money encompasses so much, it can

easily feel overwhelming and disheartening. Especially if

we’re sensitive to the plight of others and the planet.

But, I hope these two short films have opened your eyes to

the incredibly positive shifts we truly can make, as individuals

and as communities, when we start harnessing the power of

the systems view.

And there are some big-hearted, big-brained people out

there, already doing tremendous work!

Yes, each one of us is small. But we can also choose where

our life, our money, our heart and mind all flow. We can

choose to align ourselves with communities and structures

aligned with our values. And together, we can become great

and grand.

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And, just so you know: you are already part of a tremendous

global community, making big shifts for the better!

Go Deeper

• Learn more about “media activist” and filmmaker Ian

Mackenzie here. (And watch some of his other, wonderfulfilms!)

• Read up on Charles Eisenstein (and his unusual

background) here. 

• Get a copy of Charles Eisenstein’s book, Sacred

Economics, right here.

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 YIN AND YANG CURRENCY

WORLD OF

Chapter 3

 T h e

In this section, we’ll learn from a brilliant economist and philosopher, Bernard

Lietaer, inventor of the Euro. Prepare to have your mind expanded...

TYPES OF

MONEY

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blow me away. And, he’s one of my mentors and personal

heroes.

I first met Bernard in 2005 when we were both speakers at a

Financial Planning symposium in Estes Park. There I was,

presenting my work for the first time to this community,

scared and excited and ever-so-pleased to be received so

openly and warmly by this seasoned group. (I even did a

cartwheel in the opening introduction, for those of you that

were there, and may remember).

That was the first time I heard Bernard speak. I sat

back in awe – I was hooked.

Since then, while he was living in Boulder (2005-2007) and

holding the World Wisdom Chair at Naropa University (my

alma mater), I had the pleasure of having lunch with him

twice at his favorite French restaurant.

If you’re not already familiar with Bernard and his work, it’s

my pleasure to introduce you to him and the ways he’s

shaped my perspective.

So. Back to his talk that day in Estes Park. I remember

looking up at the large projection screen, taking in maps of

 Japan and China, where Bernard had pinpointed all of the

government-created and grassroots-initiated complementary

currency programs.

 What’s a complementary currency program, you

ask?

I vividly remember a great example Bernard gave that day.

The Japanese government created a point-based system

called “hearts,” designed to complement the health care

system and elderly care.

Here’s a great description from Bernard about how it works:

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“There are about 300 or 400 private

currency systems in Japan to pay for any care

 for the elderly that isn’t covered by the

national health insurance. They are called

“fureai kippu” (caring relationship tickets).

 Here’s how they work: let’s say that on my

street lives an elderly gentleman who is

handicapped and cannot go shopping for

himself. I do the shopping for him. I help him

with food preparation. I help him with the

ritual bath, which is very important in

 Japan. For this help, I get credits. I put those

credits in a savings account, and when I’m

sick, I can have other people provide suchservices for me. Or I can electronically send

my credits to my mother, who lives on the

other side of the country, and somebody takes

care of her.

 Here is an agreement within a community to

use as medium of payment something other

than national currencies, to solve a social

 problem. And it makes it possible for

hundreds of thousands of people to stay in

their homes much longer than they otherwisecould. Otherwise, you’d have to put most of

these people into a home for seniors, which

costs an arm and a leg to society, and they’re

unhappy there. So nobody’s winning. In

contrast, Japan has created a currency for

elderly care.” 

Bernard goes on to explain how this

complementary currency program for

elderly care expanded to fulfill another

need: helping students pay for their

college tuition:

“ Many of these services that were using

highly specialized complementary currencies

are beginning to integrate into a single, local

social-purpose currency. For example,

 youngsters who are taking care of the elderly

in Japan using their credits in partial

 payment for tuition at the university, so we’re

solving two problems at the same time. It

 provides an additional way of making things

happen that otherwise is not available when

national currency is scarce. Remember,

complementary currencies

simply enable additional

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matches between unmet needs

and unused resources.”

These concepts, these systems, and

Bernard’s brilliant research all make

me so excited for our future! I

remember taking it all in for the first

time, thinking: if Japan has created

this much infrastructure for

complementary currencies (in

response to their economic crash in

the 90’s), then the U.S. can certainly

follow! And: we need to.

Here in the U.S., there certainly are a

few complimentary currency

programs underway, and have been

for some time (see the “Go Deeper”

section, below). But we haven’t seen

them on the national scale, yet, as in

other countries. 

Bernard was the one who first

introduced me to the concept of

“Yin and Yang Currencies.”

I was so thrilled to have words and a

language around this that made sense

to me! Here’s how Bernard defines

these:

Yang Currencies “promote

competition among the participants

and that they are created through

patriarchal values and society.” All of

our current national monies are

considered Yang Currency.

Yin Currencies “promote

cooperation among participants, tend

to occur in more ‘egalitarian’ gift

societies, and are generated out of

community needs and situations.” 

All

of our trades, barter, time/energy

exchanges are considered Yin

Currency.

According to Bernard, it is essential at

this time to bring back + incorporatemore of the Yin Currency in our

current economic systems to balance

out the Yang Currencies.

Bernard also shared historical

research, showing one example after

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the next, of societies and cultures that had both Yin and

Yang currency systems: a dual currency system!

He said that these cultures with dual money systems

thrived and supported the people, while societies that

only had the Yang currency in place eventually crumbled

into their greed and competition.

Here, I’ll let Bernard give an example of a modern-day dual

currency system in Bali:

“Practically all Balinese participate in a dual currency system. The

 first is the conventional national currency (the Indonesian Rupiah); the

second is a time currency where the unit of account is a block of time of

approximately three hours.

This second currency is created and used within the “banjar.” This is a

community entity consisting of between 50 and 500 families. It is in

each banjar that the decisions are made democratically to launch any big

community project, they always make two complementary budgets: one in

the national currency, and one in time. That second currency-called

“narayan banjar” (meaning “work for the common good of the

community”) is created by the people themselves. They don’t have to

compete in the outside world to obtain that second cur rency, and it fosters

cooperation between the members of the community.

 I call i t a national

currency, which is a

competitive currency and

therefore of yang, or

masculine, nature. It could

be to put on a festival or

build a school. For each

 yin cur rency-it’s more feminine in nature. And it complements the national currency, which is a

competitive currency and therefore of a yang, or masculine nature.

 Here’s why it works: poor communities don’t have a lot of

national currency, but they tend to have a lot of time. In rich

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communities, the opposite tends to be the case — people have more

national currency, but less time. In either case, each banjar is capable of

creating extraordinary events just by budgeting and using more of the

kind of currency — national or time — in which they are rich. This

balance is a key contribution to the unusually strong community spirit

that prevails in Bali.” 

How cool is that??

Yin and yang. Competition and cooperation. Two threads of

currency, making communities that much stronger.

*****

 As you know … I’m on a mission.

To guide you all — as individuals, couples, and creative

entrepreneurs — through your own, personal, deep money

work. To help you

navigate through your

own money stories and

money initiations. That’s

why it feels so important

to me to continue my

own research witheconomists and

philosophers, so I can

integrate new perspectives and solutions into these money

teachings — for you, my beloved community.

During one of our lunches, Bernard said something that

affirmed, once again, just how important this Art of Money

work is. The gist of it was:

“Currently, our biggest problem with money and

currencies is unconsciousness. We are not aware of

what we are doing around money. We haven’t really thought

about what money does to us. We believe it’s neutral, so it

doesn’t matter. But it’s not neutral; it deeply shapes us and

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our societies. The first thing that has

to happen before complementary

currency systems can effect real

change on a larger scale is a shift in

consciousness and awareness.”

I’ve come back to these words again

and again over the years. They are a

source of comfort and anchoring, for

me, and remind me that this deep,

personal work is a key ingredient to

solving our larger economic issues.

So here’s to Bernard in his brillianceand his mission! Here’s to me, with my

own gifts and mission. And, here’s to

 you, my beloved and growing Art of

Money community … and to all of us

converging together to create the

internal and external changes that our

world so desperately needs at this time.

Go Deeper

Bernard has written a lot more about

all of this research in his book, Of

Human Wealth: Beyond Greed

and Scarcity.

I am still trying to find my signed copy

(did I loan it to you??) as it is notavailable for print in the U.S. I hear

old galley editions are going for

$400.00 on Ebay these days!!! As soon

as the title comes out in the U.S. the

publisher will be contacting me. So,

hopefully, very soon, I will have access

to copies for all of you.

Luckily for all of us, he has published

a few new books in English:

1. The Future of Money: Creating

New Wealth, Work and a Wiser World

2. Rethinking Money: How New

Currencies Turn Scarcity into

Prosperity

3. Creating Wealth: Growing Local

Economies with Local Currencies

4. New Money for a New World

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More resources on Yin + Yang

and Complementary Currencies:

• Here’s a lovely powerpoint

presentation from Bernard on

Complementary Currencies, Yin +

Yang Currencies, and much more.

• Read about one of America’s most

successful complementary

currencies, BerkShares, right here.

* Do you know about — or are you

involved with — any other American

complementary currency programs?We’ve got a lot to learn over here at

the Art of Money, so please let us

know all about ‘em, if so! We’re all

ears!

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10,000 FOOT VIEW

Chapter 4

 T h e

Let Katie Teague take you on a journey to a view of money from 10,000 feet in her

one-of-a-kind documentary about money.

THE BIG

VIEW

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few years ago, I

discovered Katie

Teague and her

incredible film, Money and

Life.

To date, I’ve bought five

copies.

I’ve watched it and re-

watched it, because it’s one of

those amazing films that’s so

rich, you simply must come

back to it, let it soak in, and

re-watch it, again and again.

This amazing documentary

asks BIG questions.

Five years in the making, it

weaves together the currenteconomic crisis, planetary

interconnection and wellness,

the origins and evolution of

money, personal practices,

and so much more. It includes

interviews with some of

IN THIS SECTION:

! An interview with a lovely psychotherapist turned filmmaker.

! An incredible documentary.! A behind the scenes look into the making of the film.

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KATIE TEAGUE’S10,000 FOOT

VIEW

Zooming Out

A

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today’s greatest visionaries in “macro”

money work, including Bernard

Lietaer, Lynne Twist, Jacob

Needleman, Vandana Shiva, and so

many more.

 A huge treat: One of my All Time

Favorite Interviews!

I’m simply thrilled to introduce you to

Katie. In 2013, we connected over the

phone and recorded one of my all-

time-favorite interviews. We talk about

her surprising life journey (she’s apsychotherapist-turned-filmmaker!),

why she was called to make this

incredible film, what she’s learned

from the experience, how she now

defines money, and much more.

I hope you love the interview, and that

it inspires you to think about the

bigger picture of your money

relationship in a new way. And I

absolutely hope it encourages you to

watch this amazing documentary!

Hop over to my blog to listen to the

interview.

***

Now … are you so excited to watch

Katie’s incredible movie??

If you’d like to get a little preview

before watching the whole thing,

check out this trailer.

Ready to watch Money & Life? Click

right here to find the whole

movie.

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A loving reminder: as with the Sacred

 Economics film, do a lot of Body

Check-Ins, especially during the first

half of the film. If you start feeling a

little sad and overwhelmed by this

movie, keep going!  She gets into the

good, hopeful, forward-thinking stuff

toward the second half.

Treat yourself to some dark chocolate

or popcorn … and enjoy!

***

 Wasn’t that amazing?

Before we move on from Money &

Life, if you’re feeling inspired and

want to learn more, please check out

this gem of an article written by Art

of Money community member Tesa

Silvestre when Katie was still raising

funds to complete the film.

I included this article because it’s

chock-full of wonderful, behind-the-scenes info about what it’s like to

create a film like this … plus, it gives a

rich glimpse into the new world of

funding that exists for these types of

projects. You’ll also find loads of great

resources on the “New Economy,”

thanks to Tesa.

Go Deeper

• Watch extended interviews from

Money and Life (cut from the

film), with: Bernard Lietaer,

Lynne Twist, and Vandana Shiva.• Check out Tesa Silvestre’s lovely

blog, “Sparks of Life,” here. 

• Learn about Lynne Twist’s

wonderful book, The Soul of

Money, here. 

• Amanda Palmer’s TED Talk : on

crowdfunding, art, and the New

Economy.

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MACRO & SPIRITUAL SIDE OF MONEY

Chapter 5

 T h e

 Join me with Orland Bishop. Find out what the deeper meaning of money is, and

how it can be a pathway to designing new economic forms.

DEEPER

MEANING

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oooooh, I’m so

excited to introduce

 you to this wonderful

man!

I first met Orland Bishopthanks to Katie Teague (that’s

right — the Money & Life

filmmaker!). I was doing a

series of interviews for the Art

of Money Symposium that

went live in early November,

2014, and wanted someone

amazing to interview about

the macro and spiritual side

of money.

Katie connected me withOrland … and now I have the

honor of connecting him with

 you!

TOPICS:

! What is money? 

! The many different ways to measure wealth

! What is the money legacy you want to be leaving? 

! Giving, generosity, and the new economy.

page 26. Copyright Art of Money 2014. All rights reserved

WITH ORLANDBISHOP

Full Circle: The Macro &Spiritual Side of Money

O

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Let’s start with his official bio: “Orland is co-founder and

Executive Director of ShadeTree Multicultural Foundation

in Los Angeles, California, a unique organization devoted to

the mentoring of young people and the creation of

communities to support them. Through ShadeTree, Orland

has pioneered approaches to urban truces and working with

at-risk youth that combine indigenous wisdom and practices

with contemporary methodologies designed to mentor the

human potential and create intentional communities. He has

developed processes that support people to come into deeper

inner and collective agreements in order to heal violence and

social exclusion. Orland is currently focusing on

understanding the deeper meaning of money as a

pathway to designing new economic forms that

support healthy community life.”

I found myself immediately drawn to Orland … and

then I found out why!

I knew there was something more connecting me with him. As

I did my research and watched interviews he’d done, I kept

thinking about my own mentor, Tamara Slayton, and her

background in Anthroposophy.

Tamara is not in her body

anymore, but I got to be withher for the last two years of

her life. And she was there at

that pivotal moment when I

integrated all of my deep

work I do with folks with all

of these systems and the

language of money and all

of these practical tools. Shewas the first person who

said, “It’s time for you to

create a methodology, and

it’s time for you to speak.”

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Now, imagine how surprised I was when Orland and I were

chatting before our interview … and I found out that he had

also met Tamra! And, it was at a pivotal point in his own life!

When you watch the interview, you’ll hear about Orland’s

connection with Tamara, and so much more. 

 Watch my video interview with Orland

Bishop right here.

Some key topics we discuss include:

• What is money?

• When did money become fiat currency, and what was

needing to shift on our planet at that time?

• The connection between inner work and systems change ...

• Giving, generosity, and the new economy. Orland’s

mother’s role in their community, and how that shaped his

 views ...

• Work and consciousness …

• Deeply satisfying work that we love as an essential part of

the new economy.

• Healing, community-building, young people, and what this

has to do with the concept of wealth.

• Many, many different ways to measure wealth …

• Letting go of the old world in order to prepare for the new

world young people are bringing with them …

• The impact of dialogue, and how it opens up space for

something new + healing to be born in the world …

• Scarcity, abundance, poverty, needs, sharing, agreements,

and alternatives.

• What is the money legacy you want to be leaving?

I loved connecting with this smart, soulful man. I hope you

enjoy our interview!

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Go Deeper

• More Orland Bishop!! Listen to a series of “Spiritual

Biography” interviews he did here. 

• Learn more about my first money mentor, Tamara Slayton. 

• Watch the full Art of Money Symposium — with 11 moreinterviews — right here.

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I’ll leave you with this …

The “macro” side of money may not be my specialty, but I

do find it fascinating and rich. Whether your brain loves these

big, systems-views of things or not, I think there’s beautiful

stuff here, that we can all bring into our own lives in deeply

personal ways.

The “macro” view might make you feel small. “What can  I  

do, as one individual?” you may ask. It can feel

overwhelming — and, given the challenges we’re facing as a

planet, it can even feel hopeless.

So allow me to suggest a little reframe, here.

When you zoom out to the “macro” view, you can feel tiny

… OR you can recognize that you are an integral part of

something far grander than you’d imagined.

 We may each be one drop of water … but together,

 we are as vast as the ocean.

And doesn’t that give you hope?

It does, me! Especially because you and I are part of thegrowing, global, conscious money movement. And that’s a

pretty amazing ocean … don’t you think?

So bring some consciousness and intentionality to the systems

 you are a part of. You can bring personal choice and

meaning to this!

Individual and collective. Inner and outer. Personal

and global. Micro and macro.

Part of our money work is dancing between all of these.

Sparking individual insights — that open our eyes to a

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“macro” view — that then shifts our personal money

practices — that then contributes to the larger whole — that

then shifts our inner experience — and on and on and on.

So allow yourself to find your own rhythm, as you dance

between these worlds. And please know: I’m honored to be

dancing with you.

xoxoxo

~ Bari Tessler Linden

page 31. Copyright Art of Money 2014. All rights reserved