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Jay Shetty Podcast

Lewis Howes: You're 69 Minutes Away From NEVER Being Broke Again

What if feeling wealthy has little to do with the numbers in your bank account? Lewis Howes explores the surprising psychology behind our relationship with money and why so many of us feel trapped regardless of our financial status.

Lewis HowesguestJay Shettyhost

Mar 10, 20251h 9mWatch on YouTube

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CHAPTERS

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Chapter summaries

Step One: Awareness of Your Money Story
Jay Shetty frames money as a source of stress and asks what to do first. Lewis Howes answers that step one is awareness of how your body and thoughts react when money comes in and goes out. Step two is understanding your money story, which often comes from how your parents handled money.
- •Notice shallow breathing, anxiety, scarcity or relaxation when you receive, spend or check money
- •Attachment styles toward money form from watching parents' money conflicts
- •Lewis grew up feeling beneath other kids and later lay on his sister's couch with no money in 2008
- •Writing down your money story shows whether it keeps you in abundance or scarcity
Debt, Stress and the Prison of Hoarding
Jay and Lewis discuss how, once people get aware, they often don't want to look at their finances because of fear and debt. Lewis explains he learned to make money but not to spend it, hoarding it out of fear. He describes feeling trapped even with a million dollars in the bank.
- •Many people feel it is never enough, with student loans, credit cards and unexpected expenses
- •Emotional freedom lets money come and go without fear
- •Lewis hoarded money for years, sleeping on friends' couches and taking cheap seats
- •Working on money is a constant practice of awareness
Jay's Money Story: Believing Money Is Bad
Jay recounts growing up with "just enough," working from age 14, and absorbing the belief that people with money do shady things. He explains that this belief left him four months from broke despite huge view counts. Lewis points out that this belief is what blocked him.
- •Jay delivered newspapers at £2 per street and stacked shelves at Morrisons
- •His family said wealthy people did dodgy things to make money
- •He believed good people are poor
- •He was four months from being broke with 150–200 million views
Rewiring Beliefs and the Generosity Mindset Habit
Lewis asks how to rewire the brain around money when you have nothing. He says beliefs dictate behaviors and that the key mindset habit is generosity and gratitude. He describes how bringing curiosity, joy and passion became his currency while on his sister's couch.
- •Beliefs dictate behaviors and determine which opportunities you see
- •Billionaires and millionaires Lewis interviewed say a generous mindset matters
- •Curiosity, passion and energy are valuable currency, especially to burnt-out people
- •Gratitude and generosity are the gateway to abundance
Creating Value When You Have Nothing to Offer
Jay shares how he partnered with Nasdaq to interview admired guests on a Times Square billboard, unpaid, which built relationships. Those connections led to meeting Gary Vaynerchuk through Ryan Harwood. Lewis says people lacking money tend to think about taking, and should flip to giving.
- •Jay offered guests a Nasdaq Live interview with their image in Times Square
- •Lewis went on the show because of that billboard value
- •The show built friendships and led to meeting Gary through Ryan Harwood
- •Abundance isn't only financial; net worth doesn't equal freedom
Thanking Money and the Power of Energy
Lewis shares Ken Honda's practice of thanking money when it arrives and when it leaves. Jay gives examples of a videographer and a restaurant hostess who showed talent and energy and got opportunities. Lewis adds the psychology of waiters earning higher tips and the shift from helplessness to helpfulness.
- •Ken Honda thanks every payment and asks where it wants to go
- •Jay's hostess received three job offers at one table through energy and passion
- •Waiters earn more tips by saying their name, recommending dishes and complimenting choices
- •Go from helplessness to helpfulness without asking for anything in return
Using the Skills You Have in Each Season
Jay describes emailing about 1,000 people after realizing he was four months from broke, offering editing, consulting and social media. He invested that income into launching his podcast. Lewis shares how he used LinkedIn help to build a foundation for The School of Greatness.
- •Skills valuable somewhere may not be what you want to do forever
- •Jay invested everything he earned that year into launching On Purpose
- •Lewis helped executives with LinkedIn profiles for free, then got paid
- •The money gave him runway to pursue what he really wanted
Can You Manifest Money? The Wheat Penny Story
Asked whether money can be manifested, Lewis describes a playful experiment of telling himself he is a magnet for money. He picked up two pennies, one of which turned out to be a 1945 wheat penny. He draws the lesson that you must set an intention, look for opportunities and ask for them.
- •Experiments let you open to possibility and synchronicity
- •He found two pennies during his experiment, one a 1945 wheat penny
- •A similar one sold online for $4,000, so he saw value beyond first glance
- •Manifesting requires intention, reaching out and offering value
Lakshmi and Treating Money as a Relationship
Jay explains that in his tradition the goddess Lakshmi represents wealth and that you pick up pennies out of respect. Lewis asks him to imagine money as a person walking in, and Jay would bow, host and thank her. Lewis shares a young person's blunt answer about how they'd treat money and asks how money would feel being treated that way.
- •Jay picks up pennies to show respect to the goddess of fortune
- •We have relationships with our body, mind, partner and money
- •Jay would welcome money as a guest and start with gratitude
- •Lewis imagines someone who ignored, used and ghosted money
More Money, More Problems and Giving Where It Pinches
Lewis addresses the lie that more money means more problems and the need to heal your money relationship so net worth and self-worth grow together. Jay shares a monastery saying that God sees what you hold back. They discuss generosity that isn't only money, drawing on their parents' examples.
- •Lewis hoarded money for years out of fear of going broke again
- •Jay recalls the saying that God doesn't see what you give, but what you hold back
- •Giving matters most where it's a challenge, including for people with little
- •Lewis's dad opened his home to strangers; you can give time and resources
Saving vs Spending and Quick Easy Money
Jay asks about balancing spending comfortably with saving. Lewis says living beneath your means while feeling abundant is a win, and warns of the consequences of splurging with credit. They then discuss get-rich-quick hopes, with Lewis saying his own attempts lost money and Jay noting that the speed you win is the speed you lose.
- •Lewis says living beneath your means and feeling abundant is winning
- •Comparing yourself on social media makes it hard; true wealth is appreciating what you have
- •Splurging with credit carries interest and consequences
- •Lewis says quick-money attempts cost him, and wealthy people he knows didn't get there that way
- •Jay advises investing in what you know
Invest in Courage and Confidence in Yourself
Asked where to put $1,000, Lewis tells people to ignore advice to put it in crypto or real estate funds. He says he needed courage and confidence, built by investing in public speaking classes and a writing coach. Jay agrees that investing in yourself pays dividends.
- •Jay says to put money in what you know, including yourself and your skills
- •Lewis says courage leads to action, then confidence, then belief
- •Belief drove him to charge more and put himself out there
- •Investing in learning skills gives a lasting currency
Money Doesn't Solve Everything, Giving, and Closing
Both hosts say they never expected to be financially abundant, and that the inner work is needed at any income level. Lewis tells of a wealthy man who died by suicide in his apartment building, saying money can't heal your relationship with yourself. They close on how generosity, gratitude and parents' examples shape giving, and Jay urges listeners to read the book.
- •The inner work is needed whether you make money tomorrow or in ten years
- •Lewis recounts a hundreds-of-millions net worth man's death in his building
- •Real wealth comes from deep, meaningful relationships
- •Wealthy people Lewis interviewed said they earn more when they give more
- •Jay says his parents gave generously and he gives out of gratitude, not to get back

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