# Monique Toonen

> The Financial Alchemist


## Posts

- [Are you stuck in a survival pattern in your relationships?](https://moniquetoonen.com/invigorate/are-you-stuck-in-a-survival-pattern-in-your-relationships/): Then you probably recognize this.You start raising your voice, trying harder to be heard. And when that doesn’t work, you retreat – discouraged – behind your own wall.Connection is a dance you do with two people. When the other refuses to step onto the floor, you’re left standing there alone. You can carry safety on your own, but carrying it alone does not create closeness or togetherness.There comes a moment when the question is no longer how to open that closed door, but how long you’re still willing to wait on the threshold.And this is where it gets real.Because yes – […]
- [Shrink to Belong](https://moniquetoonen.com/invigorate/shrink-to-belong/): You know the drill.You lower your voice so you don’t intimidate.You soften your words so they sound agreeable.You cut your prices so no one can say you’re “too expensive.”You overdeliver, hoping someone will finally see your worth.You swallow your brilliance, afraid your light will blind them.You shrink, to belong.But here’s the truth no one told you:Belonging built on shrinking is not belonging.It’s betrayal.Of your desire.Of your power.Of yourself.And that’s why it feels so exhausting.Because every time you shrink, a part of you dies a little.Every time you say yes when you mean no, you trade freedom for approval.Every time you lower […]
- [The Truth About Freedom](https://moniquetoonen.com/liberation/the-truth-about-freedom/): They sold you freedom as a yacht in Saint-Tropez.As cocktails with billionaires, designer bags, private jets.As the glittering proof that you made it.But that’s not freedom.That’s another performance.Another cage, this time wrapped in gold.Freedom is something else entirely.It is lying back in your own life, knowing it holds you.It is waking up without the weight of proving, hustling, pretending.It is saying yes because you mean it, and no because you can.Freedom is not louder.It is deeper.It’s the quiet confidence of a woman who no longer bargains with her worth.It’s the ease of a business that feeds her, instead of draining her.It’s […]
- [The Façade](https://moniquetoonen.com/breathe/the-facade/): High-end is staged.A borrowed yacht, a borrowed smile, a borrowed life.Shiny, but hollow.Expensive, but not priceless.High-value is something else entirely.It is the courage to no longer shrink, no longer perform, no longer betray yourself for belonging.It is the pulse of freedom under your skin.It is joy and fulfillment not as a promise, but as your daily reality.High-end looks impressive.High-value feels inevitable.It’s the breath you take when you finally let go of who you thought you had to be.It’s the fire in your body when you say yes to your own worth.It’s the power of living from BLISS – breathing, liberating, invigorating, […]
- [You’re Not Too Much - He’s Just Not Enough!](https://moniquetoonen.com/invigorate/you-are-not-to-much-he-is-just-not-enough/): I don’t feel heard. I feel ignored. Like everything I’ve given just gets dismissed, over and over again! Her voice cracks.Not from drama. From truth.Because when one person keeps showing up – soft, clear, expressive -…and the other keeps disappearing behind silence, distance, or delay…there’s only one thing you end up feeling:Abandoned. While still in the room.And that messes with your head.Because you think: Did I ask for too much? Am I too much?But here’s the thing:Your expressiveness is not the problem.His discomfort with your emotions is a mirror – not a measurement.And if he judges you for feeling, he’s not […]
- [STOP WITH EMPATHY!](https://moniquetoonen.com/invigorate/stop-with-empathy/): (Yes, I said it.)You’ve been taught that empathy is always good.That understanding others makes you kinder.More compassionate.More “worthy” of connection.But here’s what no one tells you:Chronic empathy can be a trauma response.You explain his bad behavior.You excuse her broken promises.You justify their disrespect.Because if you can understand it…you don’t have to feel how much it actually hurts.You rationalize their actions – and slowly abandon yourself in the process.You tell yourself:“It’s not that bad.”“They’re just wounded too.”“I should be more patient.”But inside?You’re drained.You’re resentful.You’re disappearing.Empathy without boundaries isn’t love.It’s self-abandonment.If you think the solution is to understand them better – you’re looking […]
- [You know that sentence? “You always handle it.”](https://moniquetoonen.com/breathe/you-know-that-sentence-you-always-handle-it/): I’ve heard that so many times.And yeah… I did.I handled it.I took care of it.I fixed the mess.I made it nice.But here’s the truth no one wants to say:People treat you like you’ll just figure it out – because you’ve shown them you will.Not because you wanted to.Not because it felt good.But because somewhere deep down,you thought you had to.To earn your place.To stay loved.To not be left behind.And that’s the pattern.You’re not asking, “Why don’t they see me?”You’re asking – without even knowing it “Why do I feel like I still have to prove that I’m worth seeing?”That’s what shows […]
- [STOP TRYING TO MAKE MORE MONEY! Figure Out This Number First.](https://moniquetoonen.com/serendipity/stop-trying-to-make-more-money/): Because strategy without alignment is just another way to burn out.You’re working too much.You’re juggling your business, your energy, your responsibilities – but somehow, your bank account still doesn’t reflect your effort?You keep investing your time, your heart, your intuition… and yet, it never feels like enough.You’re surrounded by advice, strategy, tools – but they only add to the noise.And deep down, you don’t just want more money.You want clarity.You want peace.You want to know: What is actually enough for me?How much do I truly need – to feel safe, to feel free, to live the life that’s mine?But you don’t […]
- [Who are you without work?](https://moniquetoonen.com/serendipity/who-are-you-without-work/): We say we want more money so we can work less.More time for friends.More time for love.More time to travel, feel free, enjoy life.More space to finally be present.But let’s be honest – most people wouldn’t know what to do with all that space if they actually had it.Because when your worth is tied to your output…free time doesn’t feel like freedom.It feels like failure.It feels like loss of control.So even when the money starts coming in,you fill your calendar.You launch something new.You rework your offer.You tell yourself, “Just one more push.”But here’s the truth:It’s not your schedule that’s blocking your […]
- [Indications that He Doesn`t Care About You: 10 Red Flags](https://moniquetoonen.com/invigorate/indications-that-he-doesnt-care-about-you-10-red-flags/): 1. Lack of Future Planning: A partner who genuinely cares about you will consider your future together. If your partner consistently avoids conversations about the future or fails to include you in their long-term plans, it may indicate that they don’t envision a lasting and committed relationship with you.2. Avoidance of Conflict: Conflict is a natural part of any relationship, and a caring partner should be willing to address and resolve conflicts in a healthy manner. If your partner consistently avoids conflict or refuses to engage in productive discussions, it indicates a lack of investment in the relationship.3. Absence of Effort: […]
- [This All Fake Wealth](https://moniquetoonen.com/stamina/this-all-fake-wealth/): Luxury = Fake satisfaction. Alcohol = False trust. Fast Food = Fake Nutrition. Drugs = Fake pleasure. Netflix = Fake break. Pornography = Fake intimacy. Celebrities = False inspiration. Video Games = Fake Achievements. Easy is rarely true. Seek a purpose, not a distraction.
- [Dishonesty in Relationships & Marriages:](https://moniquetoonen.com/invigorate/dishonesty-in-relationships-marriages/): Dishonesty in relationships & marriages can have severe consequences, eroding trust & potentially leading to the downfall of the relationship. Types of Dishonesty: 1. Infidelity (emotional or physical) 2. Financial deception (hiding expenses, debt, or income) 3. Emotional manipulation (gaslighting, guilt-tripping) 4. Lying or withholding information 5. Secretive behavior (hiding phone or online activity) 6. Broken promises or unkept commitments 7. Dishonest communication (misrepresenting thoughts, feelings, or intentions) Consequences of Dishonesty: 1. Eroded trust 2. Emotional distress (anxiety, depression, anger) 3. Strained communication 4. Increased conflict 5. Loss of intimacy and connection 6. Betrayal and hurt feelings 7. Potential relationship ending […]
- [If You Feel Stuck with Money, Read This!](https://moniquetoonen.com/serendipity/if-you-feel-stuck-with-money-read-this/): Any Freedom Starts With the Truth – Here’s Your List of Financial Illusions. Getting stuck with money isn’t always about the numbers – it’s about the emotional weight behind them. The stories you tell yourself. The habits you avoid questioning. The moments you whisper “I’m fine” when deep down, you feel anything but. Because here’s the truth: Financial illusions don’t just show up in your bank account – they show up in your energy, your decisions, your relationships, and how safe you feel to want more. ​ Common Financial Illusions: 1. Thinking your income defines your worth. 2. Believing “I can’t […]
- [How Money Can (and Can’t) Make You Happy](https://moniquetoonen.com/serendipity/how-money-can-and-cant-make-you-happy/): Money is good to have, but not to want to have. That sounds contradictory, but it actually makes perfect sense: If you have money, you don’t have to stress about it. That peace of mind? Priceless. If you only want more money, the chase never ends – and that’s where the trap begins. So how do you use money in a way that actually adds to your happiness instead of keeping you stuck in the endless pursuit? Research Shows: The Best Ways to Spend Money for Happiness: Studies reveal that the happiest people don’t just hoard wealth – they use it […]
- ["I'm Going Next Year" - The Lie That Stole Five Years of My Life](https://moniquetoonen.com/liberation/im-going-next-year-the-lie-that-stole-five-years-of-my-life/): “Next year, for sure!” I grinned as I scrolled through photos of dreamy beaches and adventure-packed destinations. The same ones I had saved last year. And the year before that.Because next year felt safe. Next year, I’d be braver. Next year, I’d find someone to go with me.But next year became five.Five years of waiting. Five years of convincing myself I needed the right timing, the right travel buddy, the right money.I told myself I couldn’t afford it.I told myself I needed more security.I told myself I had to be practical.But the truth?I wasn’t waiting for money.I was waiting for permission.I […]
- [20 Red Flags You Shouldn’t Ignore in a New Relationship](https://moniquetoonen.com/invigorate/20-red-flags-you-shouldnt-ignore-in-a-new-relationship/): New relationships feel exciting, but don’t let the honeymoon phase blind you to warning signs. Here are 20 red flags to watch for before getting too invested: They move too fast – Love bombing, excessive flattery, or talking about forever within days? They ignore your boundaries – If they push you emotionally, physically, or sexually, take that seriously. They badmouth all their exes – If every ex was “crazy” or “toxic,” the common denominator is them. They try to isolate you – Discouraging time with family and friends? That’s about control. They get jealous easily – Jealousy disguised as “love” can […]
- [“Ascetic what? Huh?“ What the Heck is Ascetic Consciousness?”](https://moniquetoonen.com/serendipity/ascetic-what-huh-what-the-heck-is-ascetic-consciousness/): “Ascetic what? Huh? What the heck is ascetic consciousness?” she blurts out, tilting her head like I just asked her to live in a cave and meditate for 10 years.I laugh, but I see the resistance in her eyes – the kind that comes when an idea threatens everything you think you know.“It’s not about deprivation,” I say. “It’s about freedom.”She scoffs. “Freedom? Sounds like a fancy word for less.”There it is. The illusion we’ve all been sold. That more equals happiness. That success is about accumulation. That the next thing – the next trip, the next promotion, the next high […]
- [Your Body Knows Before You Do - Are You Listening?](https://moniquetoonen.com/stamina/your-body-knows-before-you-do-are-you-listening/): I used to think stamina meant pushing through. Ignoring exhaustion, overriding stress, silencing that little voice inside that whispered, “Slow down.” Because if I just kept going, if I could just push past the discomfort, I’d make it.But here’s what I didn’t realize: 𝐈𝐠𝐧𝐨𝐫𝐢𝐧𝐠 𝐭𝐡𝐞 𝐬𝐢𝐠𝐧𝐚𝐥𝐬 𝐟𝐫𝐨𝐦 𝐲𝐨𝐮𝐫 𝐛𝐨𝐝𝐲 𝐝𝐨𝐞𝐬𝐧’𝐭 𝐦𝐚𝐤𝐞 𝐲𝐨𝐮 𝐬𝐭𝐫𝐨𝐧𝐠𝐞𝐫 – 𝐢𝐭 𝐦𝐚𝐤𝐞𝐬 𝐲𝐨𝐮 𝐟𝐫𝐚𝐠𝐢𝐥𝐞.How often do we do this? We dismiss fatigue as laziness. We ignore anxiety as overreacting. We downplay the tightness in our chest, the knots in our stomach, the tension in our jaw – until one day, we can’t ignore it anymore.Maybe you tell […]
- [The Toxins of the House Are:](https://moniquetoonen.com/serendipity/the-toxins-of-the-house-are/): 1. Objects You No Longer Use.2. Clothes You Don’t Like Or Haven’t Used In A While.3. Broken Things.4. Old cards and notes.5. Plants that are dead or sick.6. Receipts and Old Magazines.9. Broken Shoes.7. Stuff of all kinds calling the past.8. If you have children, toys that are not used, that do not work or broken.9. Damaged underwear.WITH CLEANING THEM OUT:1. Health gets better.2. Creativity grows.3. Relationships get better.4. There is greater reasoning capacity.5. Improved mood.QUESTIONS THAT MIGHT HELP CLEANSING:- Why am I saving that?- Is it about me today?- How will I feel if I release that?Separate and classify:1. To […]
- [Stop Asking Where Love Is - You Never Made Room for It](https://moniquetoonen.com/invigorate/stop-asking-where-love-is-you-never-made-room-for-it/): “You know what? Maybe I’ll just stay single forever. Less laundry, no one stealing my blankets, and I can eat chips in bed without judgment.”I said it half-joking, fully serious, as I reached for another handful of tortilla chips. My friend, swirling her wine, gave me the look. The kind of look that says, You know that’s not the real reason.“Okay, but be honest,” she said. “If the perfect man walked into your life tomorrow, would you even have space for him?”I rolled my eyes. “Of course! I’m independent, emotionally available, and totally open to love!”Her eyebrow lifted. “Yeah… but are […]
- [I can do it myself!](https://moniquetoonen.com/invigorate/i-can-do-it-myself/): I speak to a lot of women and what I hear and see is that those women don’t know their true love language and that they are related to their childhood! There are 5 Love languages, all of them reflects an unmet childhood need. 1. Acts of service arise from self-reliance in childhood.2. Quality time stems from feeling of isolation.3. Physical touch relates to avoidant caregivers.4. Gift giving results from lack of meaningful presents.5. Words of affirmation develop from criticism and lack of praise.The love language you resonate with most is a reflection of the emotional needs that were unmet during […]
- [Do You Disappear to Be Loved, It's not Love!](https://moniquetoonen.com/invigorate/do-you-disappear-to-be-loved-its-not-love/): “Turns out, being ‘low maintenance’ is just code for ‘I have no needs, please walk all over me.’”The woman in front of me laughed as she said it, but it wasn’t funny. Not really.She had spent years priding herself on being easy. The one who didn’t complain. The one who made things work. But one evening, standing in the kitchen, knife in hand, exhaustion pressing down on her shoulders, something inside her cracked.He walked in, barely glancing at her as he dropped his keys on the counter.“We’re out of that dressing I like,” he muttered, scrolling through his phone.Not a “hello.” […]
- [80% of Women Face Retirement Poverty - Will You Be One of Them?](https://moniquetoonen.com/serendipity/80-of-women-face-retirement-poverty-will-you-be-one-of-them/): Many women dream of a future where they can enjoy life on their own terms – traveling, spending time with loved ones, and pursuing passions they never had time for. But here’s the hard truth: for too many women, that dream is out of reach.According to research by the National Women’s Law Center, women are 𝟖𝟎% 𝐦𝐨𝐫𝐞 𝐥𝐢𝐤𝐞𝐥𝐲 𝐭𝐡𝐚𝐧 𝐦𝐞𝐧 𝐭𝐨 𝐟𝐚𝐜𝐞 𝐩𝐨𝐯𝐞𝐫𝐭𝐲 𝐢𝐧 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭. This isn’t a random statistic – it’s the result of systemic issues and life choices that women often don’t realize are stacking the odds against them.𝐖𝐡𝐲 𝐀𝐫𝐞 𝐖𝐨𝐦𝐞𝐧 𝐚𝐭 𝐚 𝐃𝐢𝐬𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞?The reasons behind this gap are […]
- [When Chasing Joy Is Just Running Away from Yourself](https://moniquetoonen.com/breathe/when-chasing-joy-is-just-running-away-from-yourself/): If there was an Olympic medal for “being busy,” I would have won gold. I had it all: a good corporate job, a part-time business, a marriage, a social life, and regular weekends away with my (ex-)husband. Not every weekend, but often enough to always have something to look forward to. My life seemed perfect.But honestly? I never thought about peace.Those weekends were beautiful. Beautiful places, great restaurants, and enough distractions to get me through the week. It worked – for a while. But as soon as I got home, it started again. The same restlessness. The same tiredness. The same […]
- [Break the Cycle: How Childhood Patterns Are Fueling Your Fear of Money.](https://moniquetoonen.com/breathe/break-the-cycle-how-childhood-patterns-are-fueling-your-fear-of-money/): I can still remember how I’d cry for hours, my little body tense, wondering why I couldn’t just chill out like everyone else. Turns out, as a baby, I didn’t have a clue how to regulate my own nervous system. I relied on my mom to do it for me – her calmness was my calmness. But what happens when your mom’s stressed out, overwhelmed, or just not able to be fully present? Well, I didn’t get the chance to learn how to self-soothe. And, guess what? That tension? It sticks. It doesn’t just magically go away when you hit adulthood.As […]
- [An Indulging day in Buenos Aires: A lesson on why Prioritizing Yourself Isn't a Luxury.](https://moniquetoonen.com/stamina/an-indulging-day-in-buenos-aires-a-lesson-on-why-prioritizing-yourself-isnt-a-luxury/): I’m worthy of this,” as I sip my tea at Café Tortini. The warmth fills me, and I feel the soothing blend of the Tortini tea roll over my senses. The sweetness of the warm churros with dulce de leche lingers in my mouth. It was given to me, and I am fully embracing this moment.  I’ve just come from Parilla El Argentino where I savored the most incredible Bife Ojo. And it hits me – the act of savoring these simple, joyful moments is the self-care I’ve been avoiding for so long. I deserve this peace, this indulgence.But then, the […]
- [What's the Real Price of the Life You're Building?](https://moniquetoonen.com/breathe/whats-the-real-price-of-the-life-youre-building/): You keep striving – bigger goals, better results, a larger house, a fancier car, and more recognition. But here’s the question no one likes to ask: At what Price? You’re busy striving, achieving, and collecting, but what are you receiving? When was the last time you stopped to connect with your soul, to truly listen to what makes life feel easy? Not just easier to manage, but easy in the way that flows effortlessly – where joy meets purpose, and your actions feel aligned with something greater than yourself. Most of us build our lives outward – more work, more things, […]
- [Ambition Meets Emotion: The Struggle for a Complete Life](https://moniquetoonen.com/breathe/ambition-meets-emotion-the-struggle-for-a-complete-life/): I often found myself gazing at warm families, their laughter filling the air during gatherings, and couples who shared intimate moments, taking time to enjoy each other’s company. A pang of passive aggressive anger would wash over me, an unseen bitterness I struggled to understand. I became resentful, lashing out at men with snarky comments and derogatory remarks, trying to dominate the conversation and the situation, desperate to prevent them from having any power over me. It felt like a constant battle – one where I believed that if I could assert myself enough, I could shield myself from the vulnerability […]
- [I still Feel the Fear](https://moniquetoonen.com/liberation/i-still-feel-the-fear/): When you cling to old habits that sabotage your future dreams, you’re willingly sabotaging your own success story and accepting a fate of mediocrity.When you fail to connect your daily actions with your grand ambitions, you’re condemning yourself to a life of unfulfilled potential and perpetual dissatisfaction.You can spend hours working and wasting your energy to spend money on things you barely use and keep paying for maintaining stuff you own.  Which will hindered you from investing in your progress to feel and become financially free and you’ll keep undermining your success and well-being feeling truly free.   Procrastination in deciding […]
- [Letting Go of Unnecessary Attachments](https://moniquetoonen.com/liberation/letting-go-of-unnecessary-attachments/): 𝙈𝙮𝙩𝙝𝙨 𝙮𝙤𝙪 𝙝𝙤𝙡𝙙 𝙤𝙣 𝙩𝙤:When you can’t break the chains of pointless possessions that bind you, you’re doomed to a life enslaved by things and devoid of true financial freedom.When you won’t let go of the superficial allure of material goods you don’t really need, you’re choosing a life suffocated by unnecessary objects over the fresh air of financial freedom.When you refuse to redefine your comfort from material possessions to self-worth and confidence, you’ll forever be shackled by the false promises of consumerism and never taste the true freedom of financial liberation.  Tanya, an aspiring entrepreneur recovering from a toxic relationship, […]
- [Facts About Liberation](https://moniquetoonen.com/liberation/facts-about-liberation/): When you cling to old habits that sabotage your future dreams, you’re willingly sabotaging your own success story and accepting a fate of mediocrity.When you fail to connect your daily actions with your grand ambitions, you’re condemning yourself to a life of unfulfilled potential and perpetual dissatisfaction.You can spend hours working and wasting your energy to spend money on things you barely use and keep paying for maintaining stuff you own.  Which will hindered you from investing in your progress to feel and become financially free and you’ll keep undermining your success and well-being feeling truly free.   Procrastination in deciding […]
- [Blocked Emotions Become Cancer!](https://moniquetoonen.com/breathe/blocked-emotions-become-cancer/): Is it cancer? Well, we have to examine the puncture. We’ll call you tomorrow after 2PM. The next day around 1 PM, the phone rang. Sorry Monique, we have to inform you that it is indeed cancer. What kind of cancer it is we have to wait another week to determine which treatment you need! BOOM!💥 It is July 28th 2020, this diagnosis turned my entire life into a storm in an instant. I am going to die was aslo an instant thought. Yet, I chose to ride the waves, although it was a bumpy start to say the least! There […]
- [The Bucket is Full](https://moniquetoonen.com/liberation/the-bucket-is-full/): I always have to do everything! You do not keep your agreements. I run against my husband, I am angry that I have to do all the tasks and I feel no support from him at all. It’s always the same song with you!Why, he said? Why? Well, you come home from work, fall down on the couch, wait until I start cooking dinner. Then with a lot of effort you do the dishes and the entire kitchen is wet, then I can mop it up again. And to think that you will be home from work in 15 minutes, while […]
- [The ONE Decision That Impacted My Whole Life](https://moniquetoonen.com/invigorate/the-one-decision-that-impacted-my-whole-life/): Leave me alone! The tension in my body, walking around with clenched fists, and furrowed brows, shows my frustration. I feel a sense of sadness, knowing that my struggling with managing my emotions and keeping my thoughts to myself.It is 1972, I am seven years old, and when I look at myself, the little Monique, I feel a strong desire to reach out to her, offer comfort, and create a safe space for her to express herself. Just because of my child’s silence and internal struggles, I feel a deep longing to connect with little Monique and help her feel understood […]
- [How I Healed My Cancer](https://moniquetoonen.com/stamina/how-i-healed-my-cancer/): Yes, you can IF you understand the true spiritual meaning behind it.Your primary job is to make friends with your body. Not only when you get sick, but always! Most people just like myself ignored the tiredness in my body, I used several survival strategies, smoking so that I wouldn’t feel nervous in circumstances that needed a different response. And mind you, I smoked 3 packages a day! Drinking coffee, to wave away the tiredness. Now back in ‘the old days’ I used to drink 25 cups and ended up with 3 big cappuccinos when I decided to stop drinking coffee […]
- [Money Stress Weighing You Down?](https://moniquetoonen.com/serendipity/money-stress-weighing-you-down/): Do you want to crush your financial anxieties? Listen up, because I’ve got some gems to share with you.Picture this: The relentless thumping of your heart as bills pile up, uncertainty creeping in like a thief in the night. The constant worry and sleepless nights – it’s time to break free from this financial prison!We are on zoom, and as she begins to speak, her words carry a tone of frustration and confusion. “I want so much to become financially independent and attract love, but I can’t shake off this constant fear. I feel like I’m stuck in this cycle of […]
- [Who Are You?](https://moniquetoonen.com/breathe/who-are-you/): Ever felt like you’re invisible? Well, guess what? It’s the same game when it comes to money. Invisible in love is also invisible money! But fret not, because there’s a way to make sure you shine in both arenas! 💃Imagine the feeling of being seen and heard, the warmth of recognition surrounding you, like a ray of sunlight on a cloudy day. That’s the power of visibility, my single women entrepreneurs! And you’ll feel it when you are seen! I see the glimpses of her lack of self-worth become evident. She softly utters statements like, “I don’t think I have what […]
- [Support](https://moniquetoonen.com/stamina/support/): Last Monday around 6 PM, I had an experience that reminded me of the importance of support in our lives. It was supposed to be a peaceful walk on the beach with my dog, Spirit, but it quickly turned into a terrifying situation that I had never encountered before.As Spirit and I strolled along toward shore, I noticed a dog digging nearby, attached to a buried rope. Trying to sense Spirit’s reaction, I encouraged her to walk past confidently. However, in a split second, the other dog grabbed her. Acting quickly, I managed to free her, but to my horror, I […]
- [Being Rare](https://moniquetoonen.com/invigorate/being-rare/): Being Rare! The INFJ personality type is considered rare because it is estimated that only 1-2% of the population has this personality type. This is because the INFJ personality type is characterized by a few unique traits, such as being introverted, intuitive, and feeling, which are uncommon among most people.INFJ, stands for Introverted, Intuitive, Feeling, and Judging, represents people who are often contemplative, intuitive, empathic, and acutely aware of the needs and feelings of others. And they have a strong sense of purpose and are often driven by a desire to positively impact the world around them.Yet, due to my introversion […]
- [Energy Piranha's](https://moniquetoonen.com/liberation/energy-piranhas/): If you or you are with someone who is not aware of their emotions. Someone who doesn’t have emotional intelligence, awareness, or regulation. Brace yourself!!! Let’s dive. It’s no secret that stress, pressure, and unchecked emotions can wreak havoc on your body. We’re all human beings with complex emotions, and it’s crucial to acknowledge and address them for our holistic health. If you don’t address, heal, communicate, or make decisive choices, your body becomes inflamed, like a fire raging within, leaving you vulnerable to unnecessary illness and disease. The impact of being in an environment where emotional intelligence and regulation are […]
- [A Live Lead by Value](https://moniquetoonen.com/serendipity/life-by-value/): Imagine a life where your values guide your every decision, where authenticity and integrity take precedence over short-term gains. 💚We all have dreams and goals that drive us, but have you ever considered that true success comes from aligning these ambitions with your core values? It’s time to prioritize what truly matters and build a business that reflects who you are. ✨As a seasoned entrepreneur myself, I’ve witnessed firsthand the incredible power of embracing my values as the compass for my business. It’s not always easy, but when we lead with purpose and authenticity, we attract clients and opportunities that align […]

## Pages

- [The Receiving Shift](https://moniquetoonen.com/the-receiving-shift/): THIS IS THE POINT OF NO RETURN WHERE YOUR CAPACITY TO RECEIVE CHANGES EVERYTHING Your money comes in but doesn’t stay.​Your capacity to receive collapses under pressure.​And what could compound never gets a chance.  The Receiving Shift is where that stops. YOUR VALUE doesn’t just EXPAND IT FINALLY HOLDS. Self – Abandonment stops.Your standards holds under pressure.Your capacity to receive stabilizes. And what once leaked – can finally compound. Monique Toonen The Financial Alchemist THE CONTAINER This is a private 90-minute immersion.  Not coaching.Not strategy.Not more information. This is a precise intervention.Designed to identify and interrupt.The one receiving pattern. That keeps your value from […]
- [Priority Waiting List - Online Test](https://moniquetoonen.com/priority-waiting-list-online-test/): Priority Access Opens Here Access is offered first to those on the priority list
- [Thank you - Priority List Online Test](https://moniquetoonen.com/thank-you-priority-list-online-test/): YOU’RE ON THE PRIORITY LIST….Assessment launches soon In the meantime consider this: Where are you leaking?Not financially – that’s often the symptom. Energetically Overgiving to smooth discomfort.Undercharging to avoid tension.Staying small to belong.Enduring instead of moving with rhythmReceiving conditionally. You don’t have to wait for the assessment to start noticing. Pay attention this week. Where do you give more than you ask?Where do you receive less than you deserve? If you’re ready to stop leaking:>>> Match your Wealth Call Monique
- [Wealth Capacity Reset](https://moniquetoonen.com/wealth-capacity-reset/)
- [The Embodied Wealth Retreat](https://moniquetoonen.com/the-embodied-wealth-retreat/): YOU ALREADY KNOW HOW TO CREATE MONEYTHIS IS WHERE YOU STOP LOSING IT You don’t chase wealth You become the woman who can hold it. This isn’t coaching.This is reclamation. Your current way of operating…stops working here. Monique Toonen The Financial Alchemist Money doesn’t just come in IT STAYS. IT COMPOUNDS. And it stops costing your energy.Wealth without exhaustion is when your body no longer negotiates your worth. THE CONTAINER This is private. There is no room to hide here. One-to-one retreat.Five days in person.Ninety days of integration. No group dynamic.No shared space.No dilution of attention. Everything is tailored to what you […]
- [Questionnaire Masterclass - Thank You](https://moniquetoonen.com/masterclass/questionnaire-masterclass-thank-you/): thank you, Your answers have been received! I just sent you a copy to:: I so appreciate your willingness to contribute and make this masterclass even more valuable for you and many other women that participate after you! From the bottom of my heart, THANK YOU!Now, check your email for the two gifts I’ve send you…I see you at the Masterclass!  These articles are also interesting to read: april 25, 2025 Dishonesty in Relationships & Marriages: Dishonesty in relationships & marriages can have severe april 16, 2025 If You Feel Stuck with Money, Read This! Any Freedom Starts With the Truth – […]
- [Masterclass Thank you](https://moniquetoonen.com/masterclass/thankyou/): I just sent a confirmation of the Masterclass to:  WAIT A MINUTE, … DO YOU WANT TO EARN 2 FREE RESOURCES? Do you want to help me? I really like to personalize this Masterclass so that it would be really valuable. Would you therefore like to answer a few questions? It will take you no more than 5 minutes. Thank you!  NOTE: As a thank you, I will give you 2 exclusive resources as a gift that immediately help you attract more money and love.
- [Masterclass](https://moniquetoonen.com/masterclass/): PLEASE NOTE: This Masterclass is ONLY for the Unconventional woman or the Fearless woman! Free Master class Match Your Wealth: Create Financial FreedoM What if financial freedom isn’t about working harder, but about alignment? Imagine breaking free from the patterns keeping you stuck and aligning your self-worth with lasting wealth and love. This masterclass uncovers the hidden link between your self-worth, feminine energy, and financial freedom– so you can rewrite your money story, attract true abundance, and build a fulfilling love life. It’s not about effort. It’s about alignment. Are you ready to Match Your Wealth? Your transformation starts here. CLAIM YOUR […]
- [Gegevens Aanpassen](https://moniquetoonen.com/gegevens-aanpassen/): Wat?! Ga je ons echt verlaten,  ? Okee, , je vind ons ‘wel leuk’… maar je voelt je overrompeld. Ik hoor je! Graag stuur ik je meer tips en adviezen over dat ene onderwerp wat écht voor jou speelt. Geef hieronder aan welke updates je wilt ontvangen. [tcb-script src=”https://upaffluence.activehosted.com/f/embed.php?id=11″ charset=”utf-8″][/tcb-script] Of misschien heb je het gevoel dat ik je teveel informatie stuur? Hieronder kun je aangeven welke informatie je wél wil ontvangen. Geef hieronder aan welke updates je wilt ontvangen. [tcb-script src=”https://upaffluence.activehosted.com/f/embed.php?id=12″ charset=”utf-8″][/tcb-script] Is het over? Echt? Jammer… om je volledig uit te schrijven klik je op deze knop. Maar we […]
- [Testimonials by Partners](https://moniquetoonen.com/testimonials-by-partners/): What do partners have to say about me? Tom Matzen Co-Owner Residual Income Academy & Links Golf Cafe Franchise. FINANCIAL SAVVY Monique is a testament to the fact that with the right mindset and attitude, one can overcome challenges and lead a fulfilling life. Her travels and experiences are an inspiration to others. Traveling the world on a budget is an excellent example of smart financial planning and budgeting. Her financial savvy and budgeting skills make her an excellent role model for those looking to live an adventurerous, fullfilling and sustainable lifestyle when women become Financial Independent! Stephanie Muñoz Founder Excede […]
- [Site Tracking Test](https://moniquetoonen.com/site-tracking-test/): [tcb-script src=”https://upaffluence.activehosted.com/f/embed.php?id=10″ charset=”utf-8″][/tcb-script]
- [B.L.I.S.S. Method](https://moniquetoonen.com/bliss-method/): My way of work: the B.L.I.S.S. method Welcome to the BLISS framework, a comprehensive guide designed to empower decisive women entrepreneurs on their journey towards personal and financial fulfillment. This framework is structured into five essential steps, each focusing on key aspects of growth and development. By prioritizing self-awareness, strategic planning, partnership building, adaptability, and financial literacy, the BLISS framework helps you unlock your full potential and achieve lasting success in love & money. Each step of the BLISS framework builds on the previous one, ensuring a holistic approach to personal and business growth. From discovering your core values and life […]
- [tmp](https://moniquetoonen.com/tmp/): Thrive Leads Met Thrive Leads voegen we call to actions toe aan de website van de klant. 01 Widget Een widget plaats je in de sidebar naast je blog. Het trekt de aandacht van de volger en zorgt ervoor dat hij zich inschrijft voor de nieuwsbrief (maar noem het niet zo!).Het bestaat uit drie delen: DEEL 01: UITNODIGEN Dit is het eerste wat de website bezoeker ziet. Hij heeft zich nog niet ingeschreven voor de mailinglijst. Ontdek hoe je elke maand minstens 4 á 5 klanten haalt uit social media Ontvang elke maand een gouden tip in je mailbox. DEEL 02: […]
- [Appointment Selected](https://moniquetoonen.com/appointment-selected/): make an appointment immediately ! You can make an appointment directly on my digital agenda below. And I will be seeing you soon Goddess,Let’s Match you Up for your Wealth… [tcb-script type=”text/javascript” src=”https://assets.calendly.com/assets/external/widget.js” async=””][/tcb-script]
- [Match Your Wealth Call - Thank You](https://moniquetoonen.com/match-your-wealth-call/thank-you/): thank you, Your submission has been received! I’ll get soon as possible whether a personal conversation is the best next step for you! I just sent you a confirmation to:: These articles are also interesting to read: februari 12, 2026 Are you stuck in a survival pattern in your relationships? Then you probably recognize this.You start raising your juli 19, 2025 Shrink to Belong You know the drill.You lower your voice so juli 11, 2025 The Truth About Freedom They sold you freedom as a yacht in juli 3, 2025 The Façade High-end is staged.A borrowed yacht, a borrowed smile, juni […]
- [Match Your Wealth Questionnaire](https://moniquetoonen.com/match-your-wealth-call/questionnaire/): Match your wealth call – soul intake form This is not just a questionnaire. It’s a reflection of who you are becoming.This is a private space for honesty, clarity and self-awareness confidential. Energetic Alignment This is not about choosing the right option. It’s about seeing what is actually happening.
- [Match Your Wealth Call](https://moniquetoonen.com/match-your-wealth-call/): Request an insight conversation with me. Match Your Wealth Call You want to become a Match for Your Wealth – not by chasing it, but letting your body hold it.  You are ready to stop running success on survival, feel ease with money, leadership and life. You want financial confidence that feels embodied – not taught. This is not a discovery call. This is a space to feel where survival still runs your wealth – and where embodied worth begins to let ease land. Come ready to show up – I’ll meet you there. This Call is not for women who: […]
- [Contact](https://moniquetoonen.com/contact/): Contact Me I’m here to help! Please fill out the form to get in touch with me. Whether you have a question, feedback, or simply want to say hello, we’d love to hear from you. I will respond in 24 hours to assist you. Thank you for reaching out! Monique Toonen Brackenroad 51Sandyford – DublinD18CV48 Ireland +372 5412 1076 info@moniquetoonen.com
- [Write a testimonial](https://moniquetoonen.com/testimonials-customers/write-a-testimonial/): Write a testimonial
- [Testimonials by Customers](https://moniquetoonen.com/testimonials-customers/): What do other customers have to say about me? Laura Monje Project Manager INVALUABLE! “Monique’s mentorship was invaluable. I gained practical tools for managing my finances and asserting my desires, leading to a profound inner transformation and newfound confidence.”Before: Lost in financial quicksand, no insight & confidence.During: Overview, resistance, accountability, femininity & new terms for debt.  After: Grip on finance & herself, creativity, resourcefulness, no more overwhelm. Gillian de Bruin Men-Expert GROWING SKILL “I had no insight in my financial situation, my blueprint was and how to use it, to truly connect with myself. It was fun to learn my partner’s […]
- [Free](https://moniquetoonen.com/free/): Begin vandaag nog met je eerste stap Op deze pagina deel ik enkele van mijn grooste inzichten die ik in de afgelopen jaren heb opgedaan. Ik ben al meer dan 7 jaar bezig met het doen van onderzoek, ik heb meer dan 100 klanten begeleid, en veel professionals gesproken in mijn vakgebied. Op deze pagina deel ik de meest belangrijke, die jou helpen om vrijwel meteen meer succes te boeken op social media. Begin vandaag nog met je eerste stap Op deze pagina deel ik enkele van mijn grooste inzichten die ik in de afgelopen jaren heb opgedaan. Ik ben al […]
- [About me](https://moniquetoonen.com/about-me/): about Monique Toonen Hi, I am Monique Toonen, The financial Alchemist, I love to tell you how I became a MATCH for my WEALTH.  Wealth is Seeking You – Are you a Match? My Own Quest showed me how success still can be built on pressure, over-responsibility, and emotional endurance. Wealth without exhaustion begins when your body no longer negotiates your worth.Today, I guide women like you to stop earning from survival and start receiving from embodiment – so money, relationships, and truth finally move in alignment. My Own Quest My name is Monique Toonen (1965), known as The Financial Alchemist – the […]
- [Articles](https://moniquetoonen.com/articles/): This has been autogenerated as a placeholder for blog.
- [Homepage](https://moniquetoonen.com/): EMBODIED WEALTH FOR WOMEN WHO ALREADY MAKE MONEY BUT STRUGGLE TO HOLD & COMPOUND WEALTH This is where it stops leaking  72% of all HIGH-ACHIEVING WOMEN  Entrepreneurs feel Emotionally & financially overextended  IN LIFE WHILE QUIETLY OVERRIDING THEIR   self-worth WEALTH IS SEEKING YOUARE YOU A MATCH?  You want to work less and still make more money.Or maybe you receive so much money that you don’t know what to do with it.You still don’t know what financial freedom really means to you? Or you have to force yourself to even think about it. This is the pattern. Embodied Wealth is where that […]
- [Apprentice registration page](https://moniquetoonen.com/apprentice-registration-page/)

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