It's Time to Retire the Umbrella Mentality
Chandra Eden, The True Me Yogi
Secrets of the Millionaire Mind
Author: T. Harv Eker
"A word of wisdom: Saving for a rainy day might sound like a good idea, but it can create big problems. One of the principles we teach in another of our courses is the power of intention. If you are saving your money for a rainy day, what are you going to get? Rainy days! Stop doing that. Instead of saving for a rainy day, focus on saving for a joyous day or for the day you win your financial freedom. then, by virtue of the law of intention, that's exactly what you will get."
It's Time to Retire the Umbrella Mentality
Most people think they’re being responsible when they save for a rainy day. Sensible. Mature. Financially prudent. And on the surface, that sounds unimpeachable. Who could argue with preparation?
But intention has a funny way of listening a little too literally.
When you frame your entire financial strategy around rain, you subtly teach your nervous system to expect storms. You rehearse scarcity. You plan for collapse. You normalize the idea that difficulty is not an exception but the inevitable main event. And while your savings account may grow, so does a quiet belief that money is something you brace against rather than build with.
This is not about magical thinking or pretending bills don’t exist. It’s about the psychological posture you take toward the future.
Saving for a rainy day positions you as someone perpetually waiting for things to go wrong. It anchors your focus on loss, depletion, and recovery. Over time, that mindset leaks into your decisions. You hesitate longer. You take fewer calculated risks. You choose safety over expansion, even when opportunity is knocking politely and repeatedly.
Your brain is excellent at pattern matching. If you keep telling it the goal is survival, it will optimize for survival. Not freedom. Not ease. Not growth. Just getting through.
Contrast that with saving for a joyous day. Or a spacious day. Or the day you realize money no longer controls your emotional weather. That intention shifts the entire frame. Now you’re not hoarding against disaster. You’re building toward possibility. You’re rehearsing abundance rather than bracing for loss.
And here’s the part people miss. Intention doesn’t just influence outcomes. It influences behavior long before outcomes arrive.
When you save with freedom in mind, you make different choices. You educate yourself differently. You spot opportunities instead of threats. You’re more likely to invest wisely, ask better questions, and tolerate the discomfort that growth requires. You’re not reckless. You’re purposeful.
The law at work here isn’t mystical. It’s neurological and behavioral. What you consistently focus on becomes the lens through which you interpret reality. If your financial narrative is built around rain, every cloud looks like confirmation. If it’s built around freedom, setbacks become temporary weather, not prophecy.
This is why people who obsessively prepare for worst case scenarios often feel like they’re living in them. Not because they invited disaster, but because they trained their attention to expect and react to it. Stress follows focus.
Financial peace doesn’t come from assuming the sky will fall. It comes from trusting your capacity to navigate whatever weather shows up while aiming your compass toward something better than survival.
So yes, save. Be smart. Be prepared. But choose your destination carefully.
Because when your intention is freedom, joy, and expansion, you don’t just save money. You build a future that knows what it’s moving toward.