Talk with any financial advisor about money management, investment strategies, financial planning, you name it, and unless you’ve harbored a secret desire to become a financial advisor yourself, sooner rather than later, your eyes will glaze over and next thing you know you’re thinking about the wood-fired pizza you’re ordering for dinner tonight.

Last week I met with a prospective client that’s an amazingly talented and successful artist with a studio in Bolinas in West Marin County. Lisa (not her real name) is recently widowed after a very long and loving marriage. Her husband was a prominent attorney in San Francisco and handled nearly every aspect of their money management and investments.

If you’re the type of investor that thrives on volatility in the stock market, this is your kind of summer. With the advent of high frequency trading, multiple hedge funds using Wall Street as one big casino, the global sovereign debt crisis, etc, market volatility for at least the short-term is here to stay.

At some point the stock market will bottom out, although when that happens is anyone’s guess.  But when that eventual time does come, what happens next is relatively predictable based on past history.

Once the dust does finally settle from this recent market downturn, turn on CNBC or Bloomberg News and watch how the usual suspects describe in elaborate technical fashion why the stock market is now extremely oversold, how the S&P price/earnings ratios are now at historic lows, how there is lots of value in the market at these bargain basement prices and who is buying what at what price.

600 points down in the stock market yesterday, 420 points up today; one can only guess what tomorrow brings our way. If the recent stock market rollercoaster ride has you feeling dazed and confused, you’re not alone.

How to Transform Your Relationship With Money

Transforming your relationship with money is mostly an inside job. Exploring your history, emotions and assumptions around money AND being willing to challenge and change outdated beliefs is easier said than done - yet it must be done.

1. What’s My Money History?

I don’t know about you, but I’m disgusted with the politics surrounding the increase of the debt limit. This is routine housekeeping work that has turned into hostage taking. Republicans seem to have lost any interest in the belief that we’re all in this together and that we should be looking out for the common good of all and not just the few at the top.

Burn the village to save the village. Let the country default on its debt. The rhetoric being touted by Republicans is dangerous and corrosive to our society as a whole. Those of us in the silent majority that are fed up with this lack of compromise and putting our country first need to let our voices be heard.

If you’re a fan of Dana Carvey and Mike Myers, you know their famous line as Garth and Wayne from Wayne’s World – I’m not worthy, I’m not worthy!

If you have struggled with your relationship with money, you may be having difficulty with the concept of feeling worthy of achieving financial independence and financial success. Here are 7 tips to get you thinking, and acting, like the winner that you are.

• Watch your language. Make sure that what follows "I" or "I am" is what you want to manifest. If you say "I am poor," the Universe will answer you with its only response: yes!