Every Payday, A Quiet Current Pulls Your Money Away From The Person You’re Becoming

For Plenty Of Hard-Working People, Money Arrives On Payday And Drifts Away Before The Next One

Presented byDr. Steve G. Jones, Ed.D. Licensed Clinical Hypnotherapist and President of the American Union of NLP, who coaches top Hollywood directors, sports stars and CEOs.

Plenty of people earn a decent living and still reach the end of the month wondering where it all went. Nothing dramatic happened. There was no big mistake, only a long run of small, reasonable purchases, each of which felt right at the time.

The advice usually offered for this is easy to repeat:

• “Start saving when you earn more.”
• “Cut out the coffees.”
• “Investing is for people who already have money.”

All three leave the real current running.

When money keeps slipping away, people tend to blame the same few things:

• A salary that’s too small
• Prices going up
• Having no willpower
• Never being taught about money

Very often the cause sits beneath all four. This page calls it the “Payday Undertow”: the steady pull that carries each payday’s money towards whatever the present wants, long before the future gets a share. Like an undertow beneath a calm sea, it can’t be seen from the beach. You only notice how far you’ve drifted when you look back at the shore.

A bigger salary doesn’t switch the current off. A larger wave arrives on payday, and the undertow simply has more to carry.

What turns it is something every person has and few people use. This page calls it your “Future-Self Bond”: the felt connection between you and the person you’ll be in ten or twenty years. When that person feels real, patient choices stop feeling like sacrifice. Strengthening it starts in an old library, in what this page calls the Library Visit. The three tracks in this edition are built to:

• Weaken the Payday Undertow by paying your future self first, automatically, before the current can reach the money.
• Strengthen your Future-Self Bond through a meeting you rehearse in deep relaxation.
• Keep you calm and clear-eyed in the money moments of an ordinary week, and open to the good chances that pass through them.

Dr. Steve G. Jones knows the far end of this current from the inside. It carried him to $80,000 of credit card debt and to living in an office he was about to lose. How he got back to shore is the thread that runs through these tracks, and you’ll find it further down.

What people are saying about Dr. Steve G. Jones’s hypnosis programs

Being someone who is extremely familiar with the power of hypnosis, I can say without a shadow of a doubt that Clinical Hypnotherapist Steve G. Jones is among the best in the world.

WOW! No wonder Steve is the leader in hypnotherapy. How lucky are those who have had the benefit of his genius!

Individual experiences; results vary.

Picture the next payday. The money lands and, before you’ve given it a thought, the first part has already moved across to your future self by a transfer you set up once. Later, something you hadn’t planned on catches your eye online. You take one slow breath and leave it in the basket overnight, and in the morning you ask yourself one question and decide calmly either way. On Sunday you sit down with a cup of coffee, look at your numbers for a few minutes and feel completely in charge.

That’s why this is worth reading now. The Payday Undertow works quietly, and given time it tends to grow stronger:

1. 1Each payday’s small purchases become the fixed shape of every month.
2. 2The future self starts to feel like a stranger who can always be asked to wait a little longer.
3. 3Costly debt fills the gap that a cushion would have filled.
4. 4And “I’ll start when I earn more” follows you up through every pay rise.

Carried Out To $80,000 Of Debt, And Then Out Of His Own Home

Dr. Steve G. Jones holds a B.A. in Psychology from the University of Florida, an M.Ed. from Armstrong Atlantic State University, and an Ed.S. and an Ed.D. from Georgia Southern University. He is President of the American Alliance of Hypnotists and of the American Union of NLP.

None of it came easily. He lost his mother at an early age and grew up with his father, who battled alcohol abuse.

Then the current took hold. Career detours and failed business ventures pulled him further and further out, until he owed $80,000 on his credit cards and financial institutions and collection agencies were beating down on his door.

He was evicted from his own place and moved into his office. Before long he was about to lose that as well.

Evicted, and about to lose the office too.

The way he got back to shore matters to anyone who feels the pull every payday, and it comes further down. First come three money beliefs that keep the current running.

Three Money Beliefs That Keep The Current Running

You can hear every one of them over a family dinner, and each one sounds like common sense.

Why The Present Usually Wins, And What Changes When The Future Feels Real

Every money decision is a small contest between two people: you today, with a want right in front of you, and you in ten years, who isn’t in the room. The Payday Undertow is what happens when that second person feels like a stranger.

Researchers who study saving have found that people often think about their future self almost the way they think about somebody else.⁴ And it’s easy to ask somebody else to wait.

These are the places where the current runs strongest:

• Payday. The money arrives, and spending starts before any of it has been given a job.
• The unplanned purchase. An advert, a shop window or a late-night scroll, and “I want it now” wins the vote.
• The unopened statement. If you don’t look, the drift stays invisible, and so does the pull.
• “That’s out of reach.” The thought ends the conversation before your mind can look for a way.

Trying harder at the checkout helps for a day or two, and a lasting change comes from giving that second person a stronger voice.

You Already Have A Bond With Your Future Self, And It Can Be Made Stronger

You’ve felt it before. Think of a time you saved up for something you really wanted, paid something off, or waited and were glad you did. In that moment the future you was real enough to wait for.

The trouble is that the bond usually stays weak. Life is loud in the present and quiet about the future, so the future self fades to a blur, and a blurry person can’t win an argument with a shop window.

Look at how much hangs on that bond:

• Whether the first part of each payday goes to the future or to the present.
• Whether costly debt gets paid down steadily or keeps growing in the background.
• And whether you see yourself as a saver and an investor, or as someone who is “just not good with money”.

So even when the problem looks like one of these:

• Low income
• Rising prices
• No discipline
• No head for figures

it is very often a weak Future-Self Bond with a strong current pulling against it.

Can You See The Person You’ll Be In Ten Years?

Try it now. It takes seven seconds, and nobody else sees the result.

If the picture was hazy, there’s a simple reason for it, and a good part of the haze comes from things that look completely normal.

Where The Current Gets Its Pull, Including A Few Things That Feel Like Treats

The Payday Undertow draws its strength from ordinary modern life.

• Buying in one tap. When the gap between wanting and owning shrinks to a second, the future gets no time to speak.
• A hard day. In one study, people in a low mood were more likely to buy themselves treats they hadn’t planned, as a way of lifting how they felt.⁵
• “Treat yourself” as a rule. An occasional treat is a pleasure. A treat every time the day feels hard becomes a current of its own.
• Sure-thing talk. Stories of overnight fortunes make steady saving look slow and dull, when slow is exactly how the library got built.

Seen together, the drift makes sense. None of it is a flaw in your character, and every one of these moments gets a small, practical response in the tracks.

A Quiet Library, An Old Clock And A Door That Opens Across The Room

Mindset of the Rich opens in the library of a grand old house on a quiet summer afternoon. Sunlight falls through tall windows and dust floats in the light. You sink into a deep leather armchair, with the scent of old books and polished wood around you and a cool glass of water with lemon at your side, while an old clock ticks once for each number as Steve counts you down from ten to one.

Then, deep in relaxation, a door opens across the library, and the person who walks in is you, many years from now.

That meeting is the Library Visit. For a few silent moments you spend time with your future self and listen to the advice they give you. The wise stranger in this story turns out to be the one person who will live with every money choice you make from today on, and the track lets you meet them while you’re calm enough to listen.

Afterwards it hands you a simple rule to carry out of the library. Whenever you make a money choice, you think of that person, and you choose well for them.

Notice the gratitude in their eyes.

The First Three Weeks, One Book On The Shelf At A Time

Steve suggests staying with one track for 21 days before moving on, so the edition gives you three runs of 21 days. This is the first run, with Mindset of the Rich, as the recording sets it out.

1. Day 1You listen somewhere quiet with headphones. In one silent pause you remember a time you were patient with money and glad of it, and in another you meet your future self in the library and hear their advice.
2. The next dayYou set up one small automatic transfer to your savings, of any amount that feels comfortable. In the track’s own words, “the first book is on your shelf.”
3. Every payday after thatThe first part goes to your future self before anything else, and some of it becomes a cushion for surprises.
4. Whenever an unplanned purchase tempts youOne slow breath, a night to think it over, and in the morning one question: “Do I still want this, more than I want what this money could become?”
5. Once a weekA few minutes at your money time, opening every statement, and a little time for learning about money.
6. Day 21You move on to the next track, with the first books already on the shelf.

You keep enjoying the things you like, and you choose them with your future self in the room.

Three Tracks, One Long View

A strong bond with your future self is the heart of it, and two more things decide whether it lasts. You need calm in the money moments that used to make you look away, and you need eyes open to the good chances a patient life makes room for. So the edition brings three tracks together.

Inside the Mindset of the Rich Complete Edition

The long viewMindset of the RichPay your future self first, and think about money in years and decades.

The open eyePrimed for AbundanceNotice good chances in ordinary days, and act on them the same day.

The steady handInner Game of WealthMeet every bill, statement and price from a calm, clear place.

Three MP3s, each with its own setting, its own silent rehearsals and a first step for the following day.

The Long View, Built One Book At A Time

The first track strengthens your Future-Self Bond directly. Besides the meeting in the library, it gives you a picture of wealth that owes nothing to luck: shelves filled one book at a time, year after year, and still growing.

Wouldn’t a bigger push work faster? Big pushes run on willpower, and the Payday Undertow is patient. So the track makes the important part automatic, with a transfer that happens on its own on the day the money arrives, so your saving takes care of itself.

In the research

Committing future pay rises to saving in advance raised saving rates in the Save More Tomorrow program.¹ Keeping track of your progress also helps people reach their goals, according to a review of 138 studies.⁶

Then it turns to ownership. You know what comes in, what goes out and what you own. “That’s out of reach” becomes “How could I make this possible?”, and each working day you ask, “How can I be more useful to the people I serve?”

• Your future self paid first, automatically, with the amount raised whenever your income rises.
• A night’s thought before any unplanned purchase, and costly debt paid down one payment at a time.
• A weekly money time, a weekly learning time and qualified advice before any big decision.

This track is called Mindset of the Rich. It names no products and promises no returns. It builds the habits of patient, long-view thinking. See Mindset of the Rich on its own page.

Ripe Fruit Among The Leaves Of A Sunrise Orchard

The second track opens your eyes. A patient money life still needs good chances to put that money and time into, and good chances rarely knock loudly. The track begins in a hillside orchard at sunrise, where at first you see only leaves, and then, as your eyes relax, ripe fruit appears among them.

In the research

Calm, positive feelings have been found to widen the scope of attention compared with neutral and negative ones.⁷ Acquaintances, the people we know only a little, are one of the main sources of new information and new openings.⁸

So the track swaps the rushed, head-down day for a few simple habits:

Head downEyes open

The phone, first thing in the morningThree things you’re thankful for, then “Today I notice the good chances around me.”

A tense, rushed afternoonOne slow breath, shoulders down and a fresh look around

“Maybe later” to a good chance“Could this lead somewhere good?” and one small step the same day

“Too good to be true” taken at its wordChecked calmly with someone you trust

This track is called Primed for Abundance. It ends by counting you back up, ready for your day. See Primed for Abundance on its own page.

Calm And Clear On An Autumn Mountain Path

The third track takes the feeling that so often sets the current running, which is unease. A bill arrives, the stomach tightens, and the easiest thing is to look away or buy something to feel better. The track opens at the foot of a mountain on a clear autumn morning, among gold and red trees, beside a stream running over stones, while a single golden leaf drifts down from ten to one.

In the research

Investors checked their accounts less often when they had reason to expect bad news, a habit researchers named the ostrich effect.⁹ In another study, people who spent a few minutes recalling something they were grateful for made more patient money choices than people in a neutral mood, and the effect was separate from simply feeling happy.¹⁰

So the track gives each money moment a calm new response. When a letter arrives, you take one slow breath, let your shoulders drop and open it that same day. When the urge to buy comes on a low evening, you ask, “What would really help me right now?” And when other people’s lives pull you into comparison, you come back to your own mountain and three things you’re glad you already have.

• Every bill and statement opened the day it arrives, with one next step chosen.
• Hard evenings met with what really helps, instead of a purchase nobody planned.
• Permission to want money, to have it and to enjoy giving it, while staying the kind person you are.

This track is called Inner Game of Wealth. It ends by counting you back up, ready for your day. See Inner Game of Wealth on its own page.

Between them, the three tracks give you a stronger bond with your future self, a calmer hand in money moments and a wider eye for the chances worth saying yes to.

Is anything missing? The automatic transfer. No recording can set it up for you, and the first track asks you to do it the very next day. It’s the first book on the shelf, and it matters more than any other.

What Would Ten Years Of Paydays Look Like Working For You?

Think about it for a moment. What would it be worth to feel in charge of your money instead of carried along by it? To open every statement calmly, to know a cushion is there when a surprise comes, and to make each money choice with the person you’re becoming in mind?

And if your family feels the same pull, what would it be worth for your children to grow up watching someone take the long view?

Ten years hold 120 paydays for someone paid monthly, and far more for anyone paid weekly. Under the Payday Undertow, each one can drift off like the last. Picture each of them doing something different:

• Every one of them sending its first part to your future self before anything else.
• Every unplanned purchase given a night’s thought before it happens.
• Every week ending with a few calm minutes and one more line in your record of progress.

And the biggest change is in who you are while you build: someone who takes the long view, a saver and an investor, calm and in charge.

Steve coaches top Hollywood directors, sports stars and CEOs. Here, three of his recordings come as one edition for $69.95.

Buy One Track, Buy All Three Separately, Or Take The Whole Edition

Each of these tracks is also sold by itself, on its own page at dreamlifetrack.com.

Why all three now? Because the long view on its own can turn stiff and anxious, and calm on its own can drift. The three are made to follow one another:

1. Days 1 to 21Mindset of the Rich: the automatic transfer, the night’s pause and the weekly money time.
2. Days 22 to 42Primed for Abundance: the morning intention, the friendly question and the same-day step.
3. Days 43 to 63Inner Game of Wealth: the slow breath before every letter, and kind, true money self-talk.

After that, keep the one you need most for the months when the pull feels strong again.

Everything In The Mindset of the Rich Complete Edition, In One Secure Order

Three self-hypnosis tracks by Dr. Steve G. Jones

Mindset of the Rich Complete Edition

• Mindset of the Rich (sold on its own for $29.95)
• Primed for Abundance (sold on its own for $29.95)
• Inner Game of Wealth (sold on its own for $29.95)
• MP3s for phone, tablet or computer, delivered within five minutes
• 30-day money-back guarantee

$69.95

Sold separately at dreamlifetrack.com for $89.85. You keep $19.90.

Yes! I want the Mindset of the Rich Complete Edition

Your order is backed by our 30-Day, No-Questions-Asked, 100% Satisfaction Guarantee.

• Secure checkout through ClickBank
• Instant MP3 download, nothing shipped
• One payment, no subscription
• 30-day money-back guarantee

Order Today, Put The First Book On The Shelf Tomorrow

1. Press any order button on this page to reach ClickBank’s secure checkout.
2. Make sure the total reads $69.95, then add your details and complete the order.
3. The three MP3s are yours within five minutes, or sooner on a fast connection.
4. Save them to your phone, tablet or computer.
5. Somewhere quiet, and never in a moving vehicle, put on headphones and start with Mindset of the Rich.
6. The next day, set up one small automatic transfer to your savings, of any amount that feels comfortable to you.

If you’re still unsure, that’s understandable. Many of us grew up believing that wealth belongs to other people, and that the rest of us start saving once we earn more.

Give It 30 Days And A Payday Or Two, Then Decide

30-Day Iron-Clad 100% Money-Back Guarantee

I want you to feel completely confident getting your copy of Mindset of the Rich Complete Edition. Just place your order, download the self-hypnosis audio track and listen to it every day. If at any time during the next 30 days you don't feel 100% happy with your purchase, I'll refund every penny, no questions asked. Just email support@dreamlifeprogram.com.

Dr. Steve G. Jones

What people are saying about Dr. Steve G. Jones’s hypnosis programs

I would highly recommend you and your site to anyone who is fed up with the way things are now, this minute, and want to open a new door to a new path. Thank you from the bottom of my heart.

Dr. Steve G. Jones is without a doubt the best in his field.

Individual experiences; results vary.

The Next Payday Is Coming Either Way. Where Will The Current Take It?

Saving, Investing, Debt And Other Things People Ask

Anything else? Email support@dreamlifeprogram.com.