Creating Confidence with Heather Monahan
Confidence Classic: The Mindset Shifts That Create REAL Wealth with Chris Harder
13 Jan 2026
Chapter 1: How can a mindset shift lead to real wealth?
Truth of the matter is this, you need other people to succeed. And those other people are attracted to people that seem positive. They're attracted to people that seem like they're full of positive perspective or opportunity. They don't want to partner. They don't want to help with someone who's negative.
They don't want to work with somebody or list someone up who feels like they're always seeing the pessimistic side of things. And so from a practical standpoint, if you have those practices in place, you're going to show up better. When you show up better, other people are going to want to help you get across the finish line.
Come on this journey with me. Each week when you join me, we are going to chase down our goals, overcome adversity and set you up for a better tomorrow. I'm ready for my closeup.
Tell me, have you been enjoying these new bonus confidence classics episodes we've been dropping on you every week? We've literally hundreds of episodes for you to listen to. So these bonuses are a great way to help you find the ones you may have already missed. I hope you love this one as much as I do. Hi, and welcome back. I'm so excited for you to meet our guest today.
He's the host of the top rated podcast, The Chris Harder Show. Chris Harder uses his platform to empower entrepreneurs to become unapologetic in their pursuit of wealth and generous in their giving. The foundation of Chris's success as an entrepreneur, investor, and philanthropist is built on his belief that when good people make good money, they do great things.
In addition to owning and investing in several multi-million dollar companies, Chris uses his online course, The Money Principles, his two mastermind groups, and his exclusive one-on-one business coaching course, to help countless clients earn six and seven figure incomes. And I'm selfishly so glad he's here today to help you and me. Chris, thanks for being here.
Heather, the pleasure is all mine. Thank you so much for having me.
Okay, wait a minute. When I was researching you, I feel like your show, your podcast used to be called For the Love of Money. Did you change the name?
For the Love of Money. It's interesting. When you start a brand, when you start a show, you have to be really, really niche, right? Like in the title, you have to tell people what they're going to get. And so we did that for a couple of years. And then that very same thing that was a niche became kind of a lid.
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Chapter 2: What financial rules did Chris Harder implement after his setback?
And here's your severance package. I was forced to pivot. Now, that was a scary, horrible, disastrous time in the moment. Listen, I'm never going to convince somebody that these moments where you have a forced pivot is going to feel good. But I will promise you, if you're there right now, or if you think that you're coming up on something like this,
I promise you, you will look back on this forced pivot with so much fondness and appreciation. And again, it's so hard to realize in the moment, but I promise you'll look back on it because when you get knocked down and when you're stripped of everything, including your identity, because my identity at that time was, what's my title? How many people am I managing?
What's my next promotion going to be, right? So when you're stripped of that identity that you think makes you important, well, you get to choose again. And I saw this as my opportunity to choose again. How did I wanna show up in the world this time? How did I wanna add value? What did I not wanna do anymore?
Because I'll be honest, the ego and the arrogance that came with that previous version of myself It wasn't fun.
Chapter 3: Why are multiple income streams essential in today's economy?
It wasn't comfortable. I didn't like being a judgmental individual. But those were things that came with environment that I was in. And those were things that came with insecurities of being younger, not working through a lot of those things yet. So that moment of being able to choose again, hindsight being 2020, was one of the best gifts that was ever given to us.
That's interesting that you bring up sort of that corporate culture. And again, I'm not saying all corporate cultures are this way, but where you're really being rewarded for being that most arrogant version of yourself and putting value towards that title, the bank account, and really...
prancing that around and it's so funny and that's not unique to banking i was in you know the media business and it was exactly the same way that you know whoever pulls up in the nicest mercedes wins and whoever you know really rewarding those outward values versus who you feel about you are inside and showing up as that real version of yourself
Yeah, you almost feel like you're playing a role, right? So you've got this shiny exterior on and you're bulletproof. And don't worry, I can take on more work. And don't worry, I'm qualified for this next role. And you almost have to live in to that next role or maybe even live in to the next couple of roles before you get there so that people notice you.
It's a game that you have to play if you are in corporate. And I wish it wasn't that way, but the facts are the facts. And that was a role that I was playing. And I wasn't necessarily... fully happy playing that role, but I understood the game and I was willing to win at that game. And I'll tell you, the thing I love about entrepreneurship is this.
In corporate America, there's only just so many roles that can be given out. So for example, if you want VP of this or a C-suite executive of that, there's just so many of those spots that can be given out. So it's a competition. You have to almost pull somebody else down, even though you don't want to, in order to get that spot. But in entrepreneurship,
There is more than enough room for any kind of coach you want to be, or any kind of beverage company you want to build, or any kind of new fintech, which is what I'm working on right now that you want to build. There is more than enough to go around.
So entrepreneurship, I feel like, is more encouraging and inclusive than when I was fighting over one position with maybe 50 other people in corporate America. Now, listen, this is not a corporate America is bad thing. This is none of that. because it played such an important role in my life. And we need incredible individuals that are meant to play those roles.
But I will tell you, I'm much happier now that I've followed this calling than staying back there.
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Chapter 4: How does spirituality influence success and abundance?
And it was in accumulating all that information and being willing to trust the information that you're accumulating and start to put it into practice a little bit and let that practice turn into small muscles and small muscles turn into large muscles. That here we are 13 years later and these homes, we're getting these all in a basically a one year period.
And so it's not like it happens overnight by any stretch of the imagination. But I'll tell you, Lori and I made a couple of financial rules for ourselves that I would love to share. One of them in order to protect ourselves was that we will never, ever have less than multiple income sources.
And the rule that we live by is if any one income source went away today, we would not have to change anything about our lifestyle tomorrow. So this is the ultimate goal. Heather, this is what people should work towards. We live in a time, multiple income sources is not a luxury. It's a must have because the world is changing so quickly, so dynamically.
So you wanna work towards building enough income sources so that even if your biggest one, Even if your best one went away today, you wouldn't have to change your lifestyle tomorrow because the others could support you. That's rule number one. Rule number two was we decided we weren't going to buy anything that's a luxury. Now, I don't mean the home over your head.
I don't mean the car that gets you to and from work. I mean the extras, for example, these extra homes or a motor home or a boat or something like that. We weren't going to buy any of that stuff. unless we could pay cash for it. Now, it doesn't mean we do pay cash for it, because that would be wasting the chance at leveraging money right now at 3%, which is basically free money.
But we will not buy something unless we can pay cash for it without changing our future lifestyle. So that's rule number two that we live by. And then rule number three is just that we try and pause And we really try and ask ourselves, is this just something we want for instant gratification? Or is this something that in two or three years, we really see playing a significant role?
So let's talk about this lake home that we're going to close on soon. This is not instant gratification. We already get to go up to Wisconsin every summer. My mom has a lake home there. We already keep our boat up there. So this is not an instant gratification of, oh, it'd be nice to have this.
This is a legacy piece of property that became available, and Lori and I can't wait to bring our kids, that we don't have yet, to bring our kids up and make memories and friends and have this be in the family for a long time. So it's a long-term play instead of an instant gratification play.
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Chapter 5: What role do small daily habits play in achieving long-term results?
That's such a great question. So Lori and I met when she was 21 and I was 24. Friends first, then became lovers. I wanted, you know, to be hooked up right away, immediately. She had a different agenda, different timeline than me. And so I was willing to, you know, work through that, be patient, work through being able to quote earn her. But when we met at 21, 24, that's young.
And you're very different people than you are today as I'm 44 and she's 41. And so over that 20 years, you become at least three or four different people each, right? Your likes, your interests, what drives you, everything. It changes radically. As a matter of fact, we should be changing.
It's so unfair for people to expect the person they met, you know, 10, 15, 20 years ago to be the same person they met. That would be a nightmare. Lori would be so boring to me if she was the same Lori when she was 21. And I would be so boring to her if I was the same Chris that I was when I was 24. So what's really made it work was a couple of things.
One, we've always said we're willing to try it on for size. So just like when you go in the dressing room, you try an outfit on for size. Is it a fit for me? Is it not? Instead of saying that's a dumb idea or why would you want to do that? We've made an agreement that we always try each other's ideas on for size. And part of the rule is it doesn't have to be a fit.
There is no obligation for it to be a fit. When somebody brings up, hey, I would love to try this, or I want to switch careers, or what if we could start experimenting with X, Y, and Z? If you shoot it down right away, instead of trying it on for size or considering it, that makes the other person feel bad. And then they stop bringing exciting ideas to you. And then that dooms the relationship.
So you want to create an atmosphere where it's absolutely okay to reinvent yourself or bring new ideas into the relationship and know that the other person isn't going to embarrass you or shoot it down, but instead they're going to try it on for size. So that's been one great rule that's kind of helped us morph into who we are today.
I think the other thing is we have, you're going to laugh at this, but we've always been walkers. Like we walk three to six miles a day. Every single day, it's a non-negotiable for us. If it's pouring rain out, we'll still be out walking.
Because when we've got that guaranteed container to physically remove ourselves from the place where we've done battle all day and change our state a little bit, and we know that we're going to have that chance to connect first thing in the morning and then at the end of our workday, that's a really important container to be able to talk through anything that would otherwise be put on the back burner.
And I'll tell you what, we've done a great job of putting things out when there's smoke instead of letting them turn into a fire and trying to put it out then. And we're able to do that because we've got this daily container where we're willing to address anything that we have to address.
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Chapter 6: How can forced pivots lead to breakthroughs?
practical way of looking at why things appear, why things happen when you are constantly envisioning them and when you have a good spiritual practice. Because the truth of the matter is this, you need other people to succeed. And those other people are attracted to people that seem positive. They're attracted to people that seem like they're full of positive perspective or opportunity.
They don't want to partner. They don't want to help with someone who's negative. They don't want to work with somebody or list someone up who feels like they're always seeing the pessimistic side of things. And so from a practical standpoint, if you have those practices in place, you're going to show up better.
When you show up better, other people are going to want to help you get across the finish line.
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I couldn't agree more with you.
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Chapter 7: What morning mantra can help reprogram your mindset?
And as you get more positive results, that compounds into a bigger positive result and so on. So I'm telling you, I'm not asking you to trust it yet. I'm not asking you to believe in it yet. I'm not asking you doing that stuff. But if what you're doing right now isn't working, then begrudgingly, reluctantly,
Do these small little practices, whether it is reading 10 pages a day, whether it is listening to a positive podcast, whether it is waking up to a mantra, do these small steps, even if you don't believe in them yet, consistently. And I promise you will start to see small results turn into medium results, turn into big results.
What are some of the mantras that you use?
So I wake Lori up every single day. I've been doing it for years. I wake her up and I say, I'm happier, healthier, wealthier, and more fit than I was yesterday. And I make her say it back to me. And by the way, the reason why I say than I was yesterday, it feels like a small increment. I can believe in that, right? You know what people can't believe in?
When they're like, someone advises them to say a mantra like, I am a hundred millionaire, right? And in their mind, they're like, this is bullshit. I'm not. But what you can say is that, you know what, I am happier, healthier, wealthier, and more fit than I was yesterday. That's a small increment that you can believe in. And so I wake her up to that and I make her say it back to me.
It's such a love-hate relationship thing, Heather, because she's like sleeping and she's like, leave me alone. I'm like, no, say it back like you mean it. So she'll say it back and then I'll roll over real quick. And I'll just say a tiny prayer of things I'm grateful for. We're talking less than 60 seconds. And it's so random and juvenile.
I'll be like, I'm so grateful that my dog's laying across my legs. I'm grateful I woke up next to Lori. I'm grateful I woke up in this beautiful home, right? String together 60 seconds of things that you are grateful for. Now, by the time my feet hit the ground, I have chosen what set of lenses, what colored lenses I want to see my morning through.
And if you can control how you see your morning, you can easier control how you see things unfold. in your afternoon. And if you can control how you see things unfolding in your afternoon, then you can easier control the end result of your day.
And so that's the mantra I wake Lori up to, but I actually text people a different mantra, whether it's a money mindset mantra, a positive business perspective, every single day that I wake up Monday through Friday. And the idea was Lori's, I got to give her credit, but she's like, listen, I kind of hate, but I also love that you do this for me. You should do this for other people. And I'm
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