How cycles, timing, and mindset shape your financial health w/ Financial Astrologer Ray Merriman

 

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🎬 IN THIS EPISODE, YOU’LL HEAR:

  • 00:01:35 – How Ray got into Financial Astrology
  • 00:06:00 – Why Financial Health Is Important
  • 00:12:45 – Can Evolutionary Astrologers Seamlessly Transition to Financial Astrology?
  • 00:23:58 – What’s Harder to Learn — Astrology or Financial Markets?
  • 00:42:33 – How the Natal Chart Works with Financial Astrology
  • 00:46:02 – Saturn vs Mars & Uranus in Financial Cycles
  • 00:58:37 – Top Down vs. Bottom Up Analysis
  • 01:01:25 – When Is the 18-Year Market Bottom?
  • 01:03:47 – Ray’s Market Timing Academy Course (MMTA4)
  • 01:05:11 – MMTA Retreat & In-Person Community

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Transcript:

 

00:00:00:00 – 00:00:20:03

Unknown

Hey, friends, I just got finished recording a podcast episode that I think you're going to absolutely love. I got to sit down with the famous amazing astrologer Ray Merriman, and it felt like sitting down with a wisdom keeper who distilled years of insights into one golden hour.

 

00:00:20:05 – 00:00:58:04

Unknown

He told this story because I don't know if you know this, but he is the first astrologer to actually write the book on evolutionary astrology. So he started as a very spiritual, psychological astrologer. But then through a series of events, he got invited to start studying financial cycles and how financial cycles are dictated very much by astrology. But one of the things he talked about was how hard it was to make that leap because of the taboo around money in spiritual circles, in the astrological community, the association of anybody interested in money being greedy and not very kind.

 

00:00:58:07 – 00:01:21:19

Unknown

So he had a big journey with that. He talks about that. But what he came to realize and what he is very passionate about sharing is that financial health and literacy is just as important as taking care of our bodies, taking care of our homes, taking care of our families. Because when we don't do that, we experience in ordinate amounts of stress.

 

00:01:21:21 – 00:01:40:10

Unknown

And when we're under inordinate amount of stress, it is really hard to offer the world our gifts. So I really think you're going to love this episode. He covers that he covers up when the real estate market, according to the astrology, is actually going to have a dip and what to do about that.

 

00:01:40:10 – 00:02:08:05

Unknown

He also gives really practical tips on how to actually build a financial foundation from the ground up. No matter where you're starting. If you're interested in learning about this, if you want to have a better relationship with your money, if you want to have more financial stability in your life, if you want to see how astrology can help you do that, go ahead and comment, Ray, and we'll send you the podcast link, and you can tune in and share in the golden hour that I got to experience already.

 

00:02:08:05 – 00:02:31:24

Unknown

Well. Hello everybody, and welcome to the Astrology Podcast. Today we're exploring a topic that touches all of us, whether we want it to or not. And that is a topic of money. Today's episode is all about why financial health is important and how astrology can help you care for it. And I'm honored to have renowned financial astrologer Ray Merriman with us.

 

00:02:32:02 – 00:02:57:24

Unknown

Ray, how long have you been doing this work? It's, almost 60 years. This is 1966. So I don't know. Yes. And I mean, he is definitely the world's foremost expert on this topic. So we are in very good hands. And we're going to talk about why money isn't just a practical concern, but a deeply personal and even spiritual one.

 

00:02:58:01 – 00:03:22:07

Unknown

But also look at how astrology can guide us toward wiser financial choices, help us navigate cycles of abundance and challenge, and ultimately bring more consciousness to this essential part of life. So whether you want to heal your relationship with money, plan more strategically, or simply understand the bigger picture, this conversation is for you. So, Ray, welcome back to The Astrology Podcast.

 

00:03:22:08 – 00:03:44:09

Unknown

I'm so happy you're here. Thank you. And it's always a pleasure to speak with you, Amanda. Thanks for having me. All right. So let's just start a little bit. Big picture. Just so that people who aren't familiar with your work can get a little bit that's of your background. So I know you started as an evolutionary astrologer. So clearly you were spiritually oriented.

 

00:03:44:09 – 00:04:13:15

Unknown

And your interest in astrology. How and why did that shift into financial astrology? And then how do you continue to weave those two things together in your in the way that you practice or talk about or teach astrology? So my interests in Introduction to Astrology began when I was a sophomore in college, in 1966, and I just took to it immediately.

 

00:04:13:15 – 00:04:38:06

Unknown

You know, when you see something that looks so right for you, so familiar. At the time, my subject matter of, toward graduation was the psychology, which ended up getting my degree and and continuing into postgraduate studies. But all during that period, I was just enamored with the subject of astrology, which was like psychology instance, you know, instance psychology.

 

00:04:38:08 – 00:05:06:17

Unknown

Yes. Or I was a practicing astrologer, paid my way through my last couple years of college into my graduate studies and, you know, was a pretty well-respected, well-renowned astrologer in the Detroit area for the jet setters and, developed a state and then a, you know, multi-state reputation. Then eventually, in 1976, was invited to speak at the FAA convention in Los Angeles and Las Vegas.

 

00:05:06:19 – 00:05:41:09

Unknown

And there we got a great big turnout, evolutionary astrology, which propelled that subject, which was just coming out as a book, into the astrology field. Nobody knew evolutionary astrology before 1976. I wrote the first book. Now, fast forward a little bit. A couple years later, I'm getting quite a big following, if you will, throughout the country, because after the after the war, after the FAA conference in Las Vegas, I had 90 invitations to speak throughout South America, Mexico, United States.

 

00:05:41:11 – 00:06:08:17

Unknown

And I took advantage that I developed tours all over the country. So I would go in and talk to these little grassroots movements in astrology and help them grow, because people want to know about astrology. It was a very popular topic back there. So in 1978, one of the clients came up to me and wanted me to do a study on the relationship of astrology to the stock market.

 

00:06:08:19 – 00:06:30:23

Unknown

And I did it. I did this study and, I asked her, you know, give me 20 different corporations or corporation dates or charts and I'll see if I can find a correlation, and I did. I sent these five companies in March of 1978. You should be buying based on what I know about astrology and the information you gave me.

 

00:06:30:23 – 00:07:13:05

Unknown

And so but in September, six months later, now the stock market wasn't doing much at that time. It went from maybe 800 to 950 on the Dow. But the stocks that I recommend, it made 28% in that time when I said buy and sell. So then I got interested that I'm really interested because, well, there's something here. Now, what fascinated me about moving into a, finances in was that you had data, you had exact dates of highs and lows, and you can match them up with incorporation dates with stocks, which is really the basis for astrology.

 

00:07:13:07 – 00:07:40:16

Unknown

You know, if you got a corporation day at a time or place where you begin something, then changes of that big changes in IT, companies should show up. Uncertain dates. And the most objective measurement that would be the price of the stock. Fast forward to more years later. Now gold is making its all time high in January 2000 and silvers making all time goes over $800 and silvers over $50.

 

00:07:40:18 – 00:07:59:09

Unknown

And I happened to be in Tucson. I met up with Walter Presser, who is the director for the foundation of the study cycles, and he was in the audience, and he invited me over for dinner with him and his wife, Leslie. His wife invited me over dinner with him and her, and he took me in the back room and showed me a chart of gold prices.

 

00:07:59:11 – 00:08:18:00

Unknown

It's that don't know much about astrology, but every every time Mars changes directions, I know it's a high or the low of the year in gold, and I've done it six times. I mean, there's only three retrograde periods, but they had a direct in a retrograde, and each time, indeed it was a high and low of the year for gold.

 

00:08:18:02 – 00:08:51:06

Unknown

Now that really fascinated me. So he offered to teach me the study of cycles and see if I can find any other cycles that relate to other things, like Mars retrograde and direct, so that, you know, I'm a Virgo rising and I'm a Capricorn sun. So I like data and I like to see things match. Actually, patterns match up in and I like to see it be objective because, you know, in our field of astrology, the biggest complaint we get from the academic community is that we're anecdotal.

 

00:08:51:08 – 00:09:15:13

Unknown

We don't have any empirical studies. There were no empirical studies or some stuff with sun and moon, actually just a moon sign with the stock market. They've been done empirically, but they were. Everything was all based on case histories, which is anecdotal, which is fine. You start there. But, you know, my Capricorn Virgo nature, and my spiritual nature, my quest for truth.

 

00:09:15:13 – 00:09:47:02

Unknown

Like what? Why does astrology work? Like, why is there's this order in the universe? They all come together with the with the finances is not so much about making money. It's more about seeing how the collective, the world makes changes. And when they make changes, which is shown by the movement of the financial markets. If gold is going up and oil is going up and stocks are going down, and the alter in the same time in different directions or the same direction, that tells you something about the collective consciousness.

 

00:09:47:04 – 00:10:11:07

Unknown

So that's what got me into financial astrology, my love of data, a pattern matching which is really astrology, is the original study of pattern matching between the cycles, the cosmos, the cycles in human activity. I mean, I was I felt like I was discovering one treasure after another every single day, and it still continues. There's so much to explore, so much discover.

 

00:10:11:07 – 00:10:51:17

Unknown

It's just a joy to be doing this work. Ray, it sounds like you made a pretty seamless shift from the more evolutionary kind of spiritual approach to astrology, to financial astrology, were you able to apply essentially what you had learned up to that point, to the fall from reality? So my foundation, my philosophical, my spiritual foundation was in place from my studies of various religions during my latter days of college.

 

00:10:51:17 – 00:11:14:19

Unknown

I mean, study all the Far Eastern religions and a lot of religions, but especially the Buddhism, the Hinduism, the Daoism, which I like the most. So I had a good philosophical base as I was getting into astrology, and I nurtured that for, what, 12 years before I was introduced to the stock market, and 14 years before I was introduced to commodities.

 

00:11:14:21 – 00:11:50:15

Unknown

So was this seamless transition? No, it was it was there were there were struggles because in astrology back then, you had what still is in place in many parts of astrology throughout the world, what we call poverty consciousness. Okay. People who look at astrology think that you should be donating your work, donating your time, donating your talent. In your experience for free because you're doing God's work, because astrology was connected with this whole spiritual, metaphysical field, you know?

 

00:11:50:17 – 00:12:17:06

Unknown

And okay, I can understand that to a degree. But at the other hand, if you're becoming a professional at it and you want to spend your life doing that, this is your passion and you're working at it, in your researching it and you're sharing your knowledge and it's in demand. That's your time. That's your effort. Okay. And now you have to really examine what is the meaning of money.

 

00:12:17:08 – 00:12:47:15

Unknown

Okay. And so coming up in astrology, in the spiritual field, I, like many people, kind of thought that, you know, there is this consciousness that maybe money isn't a good thing. Maybe money leads to greed, leads to behaviors that are harmful to other people, and you gain at their expense. I mean, that's kind of how we're brought up, in college, in this idea of us and as metaphysicians, we're supposed to be giving, not taking.

 

00:12:47:17 – 00:13:15:09

Unknown

So I had a struggle with that. And of course, I had to struggle with the community of astrologers at the time because they thought, oh, he's into financials, he's in the money is in degreed, which is not true. I know that about myself. Money isn't what motivates me the strongest. You know, the search of truth, the search of matching patterns that are objective and showing this correlation.

 

00:13:15:11 – 00:13:35:09

Unknown

That's what turns me on in. Yes, for that effort, I do get reward. If people want to know what my studies are showing, they want to know the results of my study. So I begin to think, you know, there's something wrong with the astrology and the whole spiritual community here at that time. The things you do not deserve to do well in life.

 

00:13:35:10 – 00:13:59:16

Unknown

You know, if you if you expect payment for doing any kind of work, really that's to help other people, then you know, you're a greedy person. You're not a person of good character. You don't have the right spiritual ethics. The what is not correct. That is not correct. It's not even spiritually correct. And it doesn't take into account what the real purpose of money is.

 

00:13:59:16 – 00:14:32:00

Unknown

Money is not evil. If someone believes that money is evil, and only people who who receive money are greedy, then you are never going to succeed. No life, you're never going to be successful. And I think you have to understand what money is basically a means of exchange. It's a means of exchange for products and services. If you have a product that you've invented or you built that has value and somebody wants it, you're going to exchange it.

 

00:14:32:02 – 00:15:18:02

Unknown

What are you going to change it for something else, another product or a service or money? Okay. Something that has value. That's how we establish, you know, this, reciprocity, in life about money. If you think that you don't deserve to be paid or to be compensated for your work, that you invented or the work that you provide a service to other people, you'll never get past that point where money is going to be a source of stress, because in this day and age, you will need to have sufficient sources of income or sources of value to exchange your products and services to survive.

 

00:15:18:04 – 00:15:38:13

Unknown

It's just as important as breathing. You can breathe. You'll be good air and breathe well. You're going to die if you don't eat well. If you don't, if your food, your water, you know you need it. You need touch psychologist knowledge. You need touch, need to do. Yeah, intimacy with other people. If you don't have these basic needs, you're going to suffer.

 

00:15:38:13 – 00:15:59:03

Unknown

You're going to have stress in life. And finances is one of the greatest stressors. The worry about finances, insecurity, financials, one of the greatest stressors people have. And if you got that kind of stress from finances, guess what? It's going to take emotionally. It's going to affect you physically. It's going to affect your relationships. It's all tied in together.

 

00:15:59:05 – 00:16:19:20

Unknown

So you want to get to a point not to be greedy, where you just want money for the sake of money. You want to get the point. We have enough money to feel you have security, to feel we have security in life, and you have the freedom to pursue these religious, these spiritual, these metaphors echo these universal truths that turn you on.

 

00:16:19:20 – 00:16:42:15

Unknown

Or in my case, research, whatever it is, you know, whatever your pet is in life, if you are, if you want to pursue it, if you exhibit your passion in life and it's something that other people demand, it will take care of you. There is a universal principle that the universe takes care of you. If you pursue pursue your passion honorably, ethically, you will be taken care of.

 

00:16:42:15 – 00:17:05:00

Unknown

If this is your passion, if not, well, it may be related. Senior attitude about money that maybe money is, a source of something that's not healthy. You have to think that money is essential to your well-being, and financial security is essential for your well-being. You don't have to be the richest person in the world to be the richest person your neighborhood.

 

00:17:05:02 – 00:17:33:10

Unknown

But you need to get enough to have the lifestyle that allows you to pursue your passion in life. If you want to have a decent life in this incarnation. Right? So when I when I first got introduced to astrology, I was coming from a very different perspective, right? Because I had been an entrepreneur where I'd helped build this business, and I had left that all in order to pursue more of a spiritual, you know, my heart, my passion.

 

00:17:33:10 – 00:17:55:01

Unknown

I didn't know what that was going to be yet. It ended up being astrology. But I didn't even know anything about astrology at the time. So when I had my first astrology reading and started diving in, first of all, the value that the astrologers were providing to me in my life below, helping me navigate in a very important transitional moment.

 

00:17:55:03 – 00:18:19:12

Unknown

I couldn't believe that there that they wouldn't value their service because for me it was like, wow, I'm getting more out of these astrology readings and this guidance from these astrologers than I've ever gotten out of therapy than I've ever gotten from. And I'm not saying anything bad about therapy or reading or any of those things. I'm just saying it was equal or more value and it was streamlined.

 

00:18:19:12 – 00:18:42:17

Unknown

It was like to the point, you know, we didn't have to dilly dally around topics that may or may not have been impactful. So it was it was perplexing to me that that most of the astrologers I was talking to at that time, astrology was almost like a side hustle, like it was the thing that they would do because they loved it, but they didn't actually make very much income from it.

 

00:18:42:17 – 00:19:10:02

Unknown

And they, you know, had a day job. And my thought was, wow, if I could play any role in making it so that these people can dedicate their lives to this, she can can actually spend more time researching, spend more time practicing their craft, whatever I can do to help and support that, I want to do it. So that's always been a very core foundation of astrology habits to actually pay astrologers really well so they can keep doing what they're doing.

 

00:19:10:02 – 00:19:32:19

Unknown

Because from my perspective, it's helping so many people. The other thing you said that made me think of something else is, one of my favorite spiritual teachers. His name is Michael. Back with a lot of you are probably familiar with him. One of the quotes that he says all the time is, it's hard to be the light when you're worried about paying the light bill.

 

00:19:32:21 – 00:19:58:06

Unknown

That's a good one. And it's just so good because it's like it's going to do exactly what you're saying. You know, if we want to live our missions here, if we want to contribute what we can to contribute, you're right. Our health needs to be on par. Our financial health needs to be on par. Our mental health needs to be part, you know, all these things we have to attend to in order for our lives to be the vehicle or the vessel for the things that we want to bring for it.

 

00:19:58:08 – 00:20:42:22

Unknown

So I'm grateful that you withstood whatever criticism you probably received, and I can imagine that it was quite substantial. I was actually referring I'm glad you went there, but I was actually referring to the more technical aspect of making the leap from evolutionary astrologer to financial astrologer, because I was thinking about the people in my community who have been studying astrology for a long time, and may be somewhat intimidated by financial astrology just because it just fell into the I don't know why, just as it does to me to, but what are the skills that they've been cultivating translatable and like equally, you know, can I just basically move them over and start to apply

 

00:20:42:22 – 00:21:19:24

Unknown

them in a different way when they go from a more psychological or traditional astrologer into a financial astrologer? And I'm not saying they become a financial astrologer, but that they have more financial literacy in their astrological practice. But this is one of the, challenges, that I had. And other astrologers they have too, you know, how how do you make that technical transfer mission from, a consulting astrologer, one who specializes in an evolutionary or spiritual or metaphysical approach or astrology?

 

00:21:19:24 – 00:21:43:07

Unknown

My case is actually more psychological, but I did write the evolutionary astrology book. It was part of the passion I had for universal, wisdom and truth. But how do you go from that to the field of finance? Because the big gap there, and the mistake that I made early on, I know a lot of astrologers that make that switch, make the same mistake.

 

00:21:43:07 – 00:22:08:12

Unknown

Is that everything is based on astrology. If you're going to do financial and be successful at it, you've got to follow the astrology. That's not the case. As you know. You can compare, for instance, to like, psychology. If you're a psychologist and you get into astrology, are you going to have your class been for reading or are you going to have them come in you maybe you look at and see, right the chart.

 

00:22:08:14 – 00:22:34:15

Unknown

This is a tool. The astrology is a tool. I see what you're going through with this major transit going on aren't. And these are the principles involved. Now let's work with that principle in our therapy okay. So astrology is a tool that applies to a broader field or even a more specific field. So if you're going into finances and all you have with you is astrology, good luck.

 

00:22:34:17 – 00:22:56:01

Unknown

But it's not going to work. It didn't work for me at first. It took me, I don't know, 5 or 10 years before I started, really, you know, consistently building, a net worth. You know, through my work with astrology and finances, I went through a lot of losses. And I still do go through losses. I would say 20 to 25% of my trades aren't winners.

 

00:22:56:03 – 00:23:16:07

Unknown

But the thing is, you learn money management, okay? You learn to control it. If you if if you didn't read it right, it's not because the astrology was wrong. It's because maybe you didn't know where you were in the cycle, you know, and you need to know what financial cycles are. And the basic rule is this the beginning of every cycle is bullish.

 

00:23:16:09 – 00:23:37:15

Unknown

If you've got a market and it's it's time for that cycle. The bottom yeah that bottom will match up with something astrological. And then it will turn bullish in I was bullish beginning part in the end is always going to be bearish. So you got to know where you are in the cycle in order to determine what how important is this astrology indication.

 

00:23:37:18 – 00:24:05:15

Unknown

Because it got it. You got an astrological aspect. You got something going on every day. Astrologically you got aspects going on sometimes two a day, sometimes maybe one every two weeks. But if you can identify where you are in the cycle and what is stable and where is the pockets in there where the astrology stands out, that becomes a really valuable tool for timing the market and applying your knowledge of what investment or trading strategy to take.

 

00:24:05:21 – 00:24:26:24

Unknown

Because I know where I am in the cycle, I know there's a turning point. Strategies. The best tool for identifying the turning point, but doesn't tell you how big or important that turning point is unless you know where you are in the cycle. And there's other tools too. Of course we have technical studies, we got chart patterns, we got price targets we got to make because you can't just, you know, it's like astrology.

 

00:24:27:04 – 00:24:45:13

Unknown

You can't do a chart just based on the time of the day and the date that you bought. You got to know where you're born. Where on earth were you at that moment? Time and space? Well, the same thing with financial markets. It's not enough just to know when the market is going to top or bottom. What price is it going to be is valuable.

 

00:24:45:13 – 00:25:10:04

Unknown

At that point, you got to know price. And that goes beyond astrology. Astrology helps, but it's not going to get you there by itself. Who of of your students who has the easiest time grasping all this? Is it the ones with the astrology background? They're the ones with the financial background or the ones that have a little bit of both?

 

00:25:10:06 – 00:25:35:10

Unknown

The ones who have a little bit of both. Okay. But I will say is the astrology part is harder to learn than the market part. Yeah. Market. I would say the astrologers have it a little bit easier if they're just learning cycles and basic market language, and we teach the minor art courses. Merriman Market Timing Academy the first course has nothing to do with astrology.

 

00:25:35:12 – 00:25:52:15

Unknown

It's all about cycles and terminology of markets. What is a bull? What is a bear? What is a trough? What is a crest? What begins a cycle was the middle of the cycle was the end of the cycle. Where is the top of the cycle? You know, we go through all of that. And so, you know about the markets.

 

00:25:52:21 – 00:26:13:07

Unknown

And even if you know the markets, that course is very valuable is the foundation for everything that we do. Then we build bring in the astrology layered on top, but then we bring in the chart patterns layer on top because, you know, the market's moving patterns and the patterns that are forms have to do with the astrology. Yeah.

 

00:26:13:07 – 00:26:35:12

Unknown

So this is this is a good question. It helps you have a little knowledge of each of them. But, the astrology is the hardest part. So if you don't know astrology, we offered a six week course on the basic principles astrology that you need to know for finances. And you don't need to know the, you know, the intricacies of astrology.

 

00:26:35:12 – 00:26:59:16

Unknown

We don't care if supply hazardous or an equal health system that you like. If it's well, it doesn't matter if it's Vedic or Placidus. I'm Vedic or tropical. We're definitely tropical. Okay. But the most important thing is the aspect. And the stations, are they retrograde or direct? If you know that, and if you know the planets in the signs, that's what you need to know.

 

00:26:59:16 – 00:27:23:23

Unknown

We don't use houses. You don't need houses for this. Okay. If you have a chart of, of the leader of a country and that leader of the country when he makes announcement, or has something happened to it affects the markets like, you know, Donald Trump, for instance, affects markets when he speaks. If you can start, you can identify when he's going to have these disruptive announcements.

 

00:27:24:00 – 00:27:46:07

Unknown

And you can kind of use that as an indicator for the market. Other than that, we don't use charts unless the applies to an individual. Sometimes we use the charts for the founding of the New York Stock Exchange. But these are minor. These are minor. More important is to understand the financial markets is a world phenomena. So world collective phenomena.

 

00:27:46:09 – 00:28:12:19

Unknown

Everybody's trading me all over the world. People are trading. So it's, it's a whole world riding a trend, riding a wave until it climaxes. And when it climaxes, it's because of an astrological aspect happening in the time of cycle. Turn is due. So you don't need to have planets and houses. That doesn't matter, because the planets in the house for New York City is going to be different.

 

00:28:12:19 – 00:28:34:21

Unknown

The planets a house in Shanghai is different. The house in the house is in London. It doesn't matter. The aspects happen the same time. Regardless of the time zone you're in. It's the sidereal time. And so if you want to see when that aspect is happening and when the moon is changing signs, when the sun is changing signs and things like that, and you put all these things together, that's what's important.

 

00:28:34:21 – 00:29:02:10

Unknown

Not a horoscope, but a time of when these things are happening with planets to one another. In a reference to the, equinoxes and the solstices, that's why. Yeah. So it's more global. I mean, it sounds like it's almost like a study of the of the cosmic ocean that we're all a part of, and the flows of the waters of that cosmic ocean.

 

00:29:02:12 – 00:29:29:03

Unknown

Right. And that individual charts are less important. Although would you say that's also true if someone's trying to time their own, well, opportunities? That's the next step. That's the next step. The market isn't going to move up or down based on your chart, right? Like on the basis of whether you got a good aspect or bad aspect, the hard aspect or soft aspect, that's not going to affect the world.

 

00:29:29:05 – 00:29:52:24

Unknown

Okay. What it affects is your judgment of where the world is in where the world is going. Oh, wow. Fascinating. Okay. Tell us when you can identify your times when you're most likely to make judgments that are in sync with what the world is doing. And hence you make better financial judgments, trading judgments. Okay, so I don't want to be making I don't want to be too aggressive.

 

00:29:52:24 – 00:30:14:22

Unknown

For instance, when a when a Saturn isn't a hard aspect to my Venus or my Jupiter, what tends to happen when Saturn is prominent to your natal chart is not that the markets, you know, not going up or going to go down according to your analysis, it's where are you putting your stop loss? Where's your risk management okay, because Saturn is missed.

 

00:30:14:22 – 00:30:37:20

Unknown

Opportunity was the hard aspect. It's not you have to lose money is that you wait too long in the opportunity. Pass you Biden by Tennessee. Oh no, I was right. Sorry. God it's already made us move. So the problem was centered is missed opportunity. The problem with Uranus is premature decision making. You're too quick or Mars, you're too equipped.

 

00:30:37:22 – 00:31:03:05

Unknown

You got in before the pattern developed properly or before the aspect was exact. So that's what you got to watch for with your own chart. What am I under if I'm under Mars? Uranus? My timing is probably up on two quick. If it's Saturn, probably too slow as Neptune. I'm reading the wrong the wrong reports, the wrong information making decision based on rumors or speculation or theories rather than my own data.

 

00:31:03:07 – 00:31:23:02

Unknown

So what this is, I use that information in. Do you do you actually do the opposite of what? So if it's Saturn, are you going to make a move sooner than you think you necessarily should? If it's Uranus or Mars, are you going to to hold off a little bit longer than what feels kind of like your natural inclination?

 

00:31:23:04 – 00:31:48:19

Unknown

Yeah. If it's Saturn, I'm I got to start thinking long term, you know, I mean, if I'm in this position is an investment or is a trade, it was a trade. Then I got to I got to realize that my the danger to me is putting a stop loss to close. You know, my money. Management's too tight. Maybe, maybe gold is worth $3,400 today.

 

00:31:48:21 – 00:32:11:09

Unknown

And maybe, I'm willing to risk $50. Yeah, but, you know, my studies say it could actually do it $150, but I don't want to risk hundred and $50. So I'm going to put a $50 risk on it. And it probably hit me because that was you know, I was too cautious. Okay. So I don't like to trade too much under Saturn.

 

00:32:11:09 – 00:32:33:14

Unknown

I like to I don't like to start positions under that. I like to leave my positions alone when I'm here. Saturn just, you know, remember that there long term when it's Uranus or Mars, if they're a card aspect. Yeah. I want to be careful not to enter too quickly. You know, I, I really need to, you know, draw out my plan.

 

00:32:33:16 – 00:32:54:07

Unknown

And before each day or before each week when I go into that trading room and make sure, you know, check off everything that's got to hit for me to make that trade. Too often, when 1 or 2 things sit under mars-uranus, I'm anxious. I want to make that trade my emotions say, hey, you're going to miss it with us too early.

 

00:32:54:07 – 00:33:16:21

Unknown

And then, okay, well, I just got to write it through. You know, maybe add on, try to average down or something if I got into early. But, you know, I'm a I'm a Capricorn, as I said before a Virgo rising. So I'm a perfectionist. So I'm pretty I'm pretty good at picking the, you know, the exact price range in the exact time that I want to make that trade.

 

00:33:16:21 – 00:33:43:19

Unknown

And disappointing myself to do it. As I said, I'd probably make mistakes. I would say 2,025% of the time, you know, you go through a peak sometimes it seems like 100%. But I would say overall I'm and my accuracy is in that 75, 80% where it's versus gainers, I think. And the difference though is do I let my winners run or do I take profits too soon there too?

 

00:33:43:20 – 00:34:11:14

Unknown

You got to worry about that too. You know, if you're on the right trend, don't take a profit. Stay with it until you're at the end of that cycle. You know, there's, there's so many things you're going to learn that we teach in the Timing Academy. But I love how you can apply the more psychological understanding of the planet and the impulse that they create within us to then, like you were saying before, it's tangible.

 

00:34:11:14 – 00:34:40:01

Unknown

You can actually you can actually tell with metrics whether or not you were too slow or too fast or, you know, these things, you as as different things happen. Well, that's the beauty of astrology, you know, and of financial astrology, you get feedback instantly. You don't have to wait. If you put that rate on and you're a little bit early, a little bit late, you know, pretty quickly if it takes off, right?

 

00:34:40:01 – 00:35:16:04

Unknown

Or if you put it in, you know, you're right on time. If it continues going against you, you know you're early. If you wait and it goes against you, you know, you waited too long. So you get your psychological feedback from the markets all the time. Now you do. You extrapolate this beyond your financial world, into your relationships, into other aspects of your life, that the understanding that you get by having this really specific feedback loop or very tight feedback loop from financial astrology, can you then apply that in other areas of your life too?

 

00:35:16:06 – 00:35:45:02

Unknown

That's another excellent question, Amanda. So let me say this. We as astrologers were brought up to believe that if you got a Jupiter Transit conjunction, try or sextile. It's a good time in your life. Something good has happened, but it's probably a peak. But it's not necessarily true. Sometimes something not good has happen in your life. If you go into the Jupiter aspect and then it turns.

 

00:35:45:04 – 00:36:08:07

Unknown

And so one thing I learned from astrology is it the aspects don't tell you whether the market's going to be a high on that aspect there, or going to be a low. It just says whatever it is, it's going to reverse. Okay. So if I'm going into a Jupiter aspect, my life isn't going so well. Or if a client is doing that, I would say them, you know, be patient.

 

00:36:08:09 – 00:36:37:19

Unknown

You know, you got Jupiter coming up, it's going to turn, it's going to this difficult time is going to turn. You're going to feel a lot less stress about it. Or if their life is going well on the coming of Jupiter aspect, I'll say, well, don't get too greedy, don't get too, extravagant or indulgent. You know, when you, when you're in this good trade, save some of that money, take some of that money off the table and save it because you may be you may be overconfident.

 

00:36:37:20 – 00:36:58:14

Unknown

And then once that aspect passes your fortune, if you will want to persist. So you want to walk it in that seems like this would really help with that whole feast or famine kind of cycle that a lot of people find themselves in, having that foresight and awareness. It's like, yeah, that's the first time, but make sure you're putting some away.

 

00:36:58:16 – 00:37:24:05

Unknown

Yes, this is a famine time, but it's going to turn and say, I'm just stay the course. Wow. Interesting. Okay. That brings that brings up another real important point about finances. They go even beyond astrology. You know, so many people in astrology think, you know, we've got the Holy Grail and, you know, we do have a very valuable tool here.

 

00:37:24:07 – 00:37:44:20

Unknown

And they seem to think, okay, I'm going to make money quick because I'm a good astrologer and I see these Jupiter and I see these and I see these. Your other things. So I'm going to capitalize on them and make money quick. Mean you're not going to build wealth that way. You have to start with basic wealth building principles.

 

00:37:44:22 – 00:38:12:05

Unknown

And so many astrologers have difficulty with this. And many, by the way, do understand this. You have to start with a savings plan. You don't start with a speculation plan. I mean, one way to one way to to earn a small fortune is to start with a big fortune and make wrong decisions. Today, you can easily take your big portion down really quickly.

 

00:38:12:07 – 00:38:35:10

Unknown

Oh, yeah. My rule is this. Your bottom of the pyramid of the, financial wealth of only pyramid is City of Beans. And this thing goes to biblical times, you know, put a tidy 10% of your earnings to yourself, save it, or for your family or whatever, type it. So save 7% or 10% of your earn till you get enough money.

 

00:38:35:10 – 00:38:58:08

Unknown

And then when you've got enough money to start trading, maybe stocks don't put more than 10% of your savings at risk. That's all. I mean, you're saving 10% of your income. But then when you go into trading, don't put more than 10% at risk. And when you get even bigger, you know, you can say, okay, I want to go into speculation.

 

00:38:58:09 – 00:39:18:14

Unknown

I want to go into I want to go into real trading. I don't want to go just to investing. I won't go into trading. Well, then you can, you know, drop it to a 2 or 3% of your net worth or your, your, your liquid savings into speculation like futures or options. The, how would you give less than 2% to options?

 

00:39:18:14 – 00:39:39:02

Unknown

But because that's a very, very difficult field. But we got people who are very good at it. So basically it goes like this. You want to say you want to put your first monies into a savings account. Once you get enough there where you can put 10% into an investment and your investments might be, you know, going into a money market fund, but it's a real concern.

 

00:39:39:03 – 00:39:57:17

Unknown

It might be going into a bond, a CD that's better than just having a bank account. The page you want, a half a percent go into some page a 4%, 4.5%. And when that builds up enough, get your security, take 10% of that out and start putting into stocks you feel good about. You start using astrology for that.

 

00:39:57:19 – 00:40:15:14

Unknown

And then when that builds up quite a bit, take 10% of that, which is 10%, the other 10%, the other one is that the about 20% then go on speculation things. Then you go into speculation, make income there. But if you start speculating, putting the top part first and it doesn't work, you're going to get discouraged really quick when you're going to either one.

 

00:40:15:16 – 00:40:38:13

Unknown

Think the astrology doesn't work or you think too something's wrong with you and there's nothing wrong with you. You just went top down when you should be going bottom up. And then in a game in the, financial, world, it's like Saturn. Some rules apply here as well. Like you have to have the foundations, you have to have the structure.

 

00:40:38:13 – 00:40:59:00

Unknown

You have to have the the one step at a time kind of approach. Right. You're going to build wealth. You've got to build it one step at a time. You can't stop the top of the pyramid where 2.5% of your money should be going. You're putting all of it into that, and you're matching which with the smartest people in some of them was very honest.

 

00:40:59:00 – 00:41:11:21

Unknown

Either when you get into things like the crypto market, you get hurt real bad and there goes everything you worked hard to save up for is gone because you didn't have a base. You didn't use the 10% rule and you build up

 

00:41:11:21 – 00:41:31:09

Unknown

Where does real estate, like, fall in that pyramid? You know, like, if somebody wants to invest in land or get an investment property or get a second house or, you know, where does all that fall in your your pyramid? Yeah. Okay. First of all, you gotta have savings so it doesn't interrupt anything.

 

00:41:31:09 – 00:41:55:07

Unknown

There. Second, you need to have the savings accelerated by going into money markets or bonds or T-bills or CD's. That helps you get more interest on your savings. Right. And unique enough. And you gotta have, what, 20% down to buy the house, right? Yeah, I would say that comes next. I would say, okay, next. Even before the stock market, you need to have shelter.

 

00:41:55:09 – 00:42:23:24

Unknown

Know how some people I better qualify that some people that maybe isn't true. What because you know, they they want to time the investment market the real estate market. And it has an 18 year cycle. And it depends where you are, of course. But generally speaking of the 18 year cycle. And so yes, you need to have a whole but you can rent for a while until you get into that time band.

 

00:42:23:24 – 00:42:49:01

Unknown

When the 18 year cycle bottom is do, which I think is coming up in the next, you know, 1 to 3 years, we got okay, of course, I wasn't my next question. So when I was 18 I was thinking 2026 to 2028 sometime in there you go see there's there's the real estate market drop about ten, 25%. This is my belief, you know, and it's based on cycles.

 

00:42:49:01 – 00:43:13:11

Unknown

So cycles are not 100% but they're in the 80%. I don't use cycles or 80% or more. Yeah. But it's also based on the bond market which is based on interest rates. You know, we're we're we're in a very delicate position with our debt in this country right now. And, you know, there's only so much debt you can take off, which means issuing bonds.

 

00:43:13:13 – 00:43:33:14

Unknown

The US government has to issue bonds, and it's got to pay them back at the interest rate. And well, the interest rates are they're, what, six, 7% now? They're up there. And as the debt goes up, those interest rates, those long term rates are going to go up. Yeah. So you want to be saving your cash okay.

 

00:43:33:14 – 00:43:57:10

Unknown

Because you want to spend as much as you can on a house as a down payment. When the market falls in, you know it will fall. The rates will go way up. You know, those, interest rates will go up. They might go up to 8% or more, maybe, maybe double digits when the bond market has its, its day of reckoning, which, you know, it's 18 years.

 

00:43:57:10 – 00:44:24:03

Unknown

So when was 18 years ago? When was the last time we had. It was a subprime fiasco in 2009, 2010, 2011. So that's coming up. Gotcha. Okay. It's gonna wait for those things. So the interest rates go way up, but the prices go down. The price goes down. Because this is what happens when when the markets it is most difficult time.

 

00:44:24:05 – 00:44:44:16

Unknown

People need cash now. Yeah. And they're going to have to pay the most for at that time. So they have to sell at the bottom. Yeah. Okay. And that's what caused the market to go down. They can't afford the mortgage. Yeah. And the and the and they got a mortgage coming due. So they got to sell the house and they can't get it because nobody wants to take out a mortgage.

 

00:44:44:21 – 00:45:05:14

Unknown

So if you've got cash two things happen. One, you just got a real good deal on a market. In two, you help somebody out who got themself in a crisis and they need cash to get out of it. And even though you're getting a good deal, they're not getting such a good deal. They're getting out of a worse deal by going bankrupt.

 

00:45:05:16 – 00:45:25:10

Unknown

Okay. So you're basically that's why you're saying at least 20% down, you're saying to get at least 10%, but I think it could be 20 or 25 even. Right. Because the mortgage still might be kind of high monthly because the interest rates are that much higher. But you're going to get a good price on the house. So the more you the more cash you can put into that.

 

00:45:25:10 – 00:45:47:16

Unknown

Then you're going to be able to take advantage of the situation in both a lower house price and not so high of a mortgage. Yes. In fact, maybe you saved up enough money if you've done well in life to pay it all off at once. Don't even go through the banks because the banks are not going to give you money unless you got extremely good credit, right?

 

00:45:47:18 – 00:46:14:17

Unknown

Then you're going to pay a high price. So it's best that you try to, you know, liquidate your valuable assets and get cash at that time, whether you have gold, silver or another piece of real estate, if you can, because your real estate has gone down to at that point. But you like, you want to have, you want to have a little trove of cash to go and buy a house when it hits the bottom there.

 

00:46:14:19 – 00:46:37:05

Unknown

Yeah, sometimes, you know, you can work it out with the seller because creative financing happens and you can do like, land contracts, like the things where I'll give you a big chunk now and I'll pay the rest in five years and a monthly payment. Right, right. You always want to do that if they need cash. Yeah, cash. So I might do that with you.

 

00:46:37:07 – 00:47:06:00

Unknown

So do you all see why having Ray in your life regularly would be a very beneficial thing? If I was. Are you just going. Oh, my gosh, I want more information. I want to know more. I know that there's a couple of opportunities for people who do want to go deeper with you coming up. You have here the air training program happening in September, and then you have another retreat, an in-person retreat happening in May of 2026.

 

00:47:06:00 – 00:47:11:04

Unknown

So can you tell us about both of them? Yeah. Can I put it up on the screen here?

 

00:47:11:04 – 00:47:33:06

Unknown

so this is, this is our two year program, the Merriman Market Timing Academy. This be the fourth rendition we've had since the year we started? The first 1 in 2000. 13 ended in 2015, and the fourth one is going to begin September 27th, 2025.

 

00:47:33:08 – 00:48:01:23

Unknown

And it will go through, through spring into early summer of 2027. Okay. So. We've answered open enrollment. And, you know, if you if you make an appointment to enroll prior to August 1st, our registration director, we require an interview, but he'll set up an interview with you to make sure that you know, this is a good fit for you and good fit for us.

 

00:48:02:00 – 00:48:27:16

Unknown

Almost everybody gets accepted, so don't worry about that unless you've got a a terrible criminal record. We're not going to take you. But aside from that, if you're here, you know, your chances are you're going to. I think we going to down 1 or 2 people because of, checking the background wasn't good. So if you're interested in a two year program and you apply for an interview by August 1st, Johnny departure, who's our registration director?

 

00:48:27:18 – 00:48:52:12

Unknown

We'll set up an interview with you as soon as you can. If you won't have anything available before August 1st, because he's booked up, we're going to fill this up. We only take 50 people. We're we're going to get on. So if you take the whole thing, it's $25,000. You take a course. Because if you sign up when the interview by August 1st for the whole thing, you're going to save $2,500, be 22,005 or just 10% if you're still not sure.

 

00:48:52:14 – 00:49:11:13

Unknown

Yeah, I want to see what this is like for us. You can sign up for course one, pay the regular price for course one, and then you get I think it's don't quote me on this. Johnny will be more accurate. I think it's 10% of of the remaining courses if you sign up for them, because then you want to see if course one is fit for you.

 

00:49:11:15 – 00:49:37:07

Unknown

So this starts September 27th. The first course is going to go till just before Thanksgiving. And then you'll have a test if you want a certificate on completion, you'll do a research paper. If you want a certificate of completion. After every course, there's a courses after every course except course eight. There is a test you got to pass to get to the next course, and there's a research paper you got to do to get this course.

 

00:49:37:13 – 00:50:04:06

Unknown

If you want to get a certificate of completion. Now, I'd say a third of the people don't care about the certificate of completion. They just want the information. That's fine too. But if you really want to learn the material, have become part of your thinking process. You shouldn't take the test. You should end with the research project because that's how it embeds itself in your consciousness, in your mindset as you, approach the markets.

 

00:50:04:08 – 00:50:24:00

Unknown

So yeah, for real, if people want to, go through the interview process. Yeah, we actually set up a link. Right. So that they can they can we will get them in touch with your, with Johnny so they can go to our website and, my cycles.com

 

00:50:24:01 – 00:50:57:13

Unknown

So if any of you are interested in applying and going through the interview for either the full two years or you're thinking, maybe I want to start with course one. Either way you can go to astrology, have.com/financial and we will get you connected with Ray's team so you can get on the books for an interview and the interviews are booked through August 1st, but you just have to reach out to schedule an interview before August 1st in order to get the $2,500 off the full course.

 

00:50:57:15 – 00:51:26:13

Unknown

Right? So if you if you reach out to us, you will go to astrology, have.com/financial fill out the little form you have already secured your spot before August 1st. That doesn't mean your interview is going to happen before August 1st, but you're going to be able to be eligible for that Earlybird discount. The other thing I was going to ask you, Ray, and we're going to drop that link in the show notes to so many of you who are driving, walking, or, you know, can't write that down right now.

 

00:51:26:13 – 00:51:47:05

Unknown

That's okay. Just check the show notes. Is there a payment plan? So if they do sign up for the full two years, is it is there an option to pay that over time, or do they have to come up with a 22 500 right now there are payment plans. They don't have to come with if they come up with the 22 five.

 

00:51:47:05 – 00:52:07:18

Unknown

I mean that that is the discount. If they want, a plan when they take a course because, there is a discount is not is is steep as the, 10% that, they get if they set the whole course, if they sign up for just one year at a time, there's a considerable discount for that too.

 

00:52:07:21 – 00:52:31:11

Unknown

But they go for course. By course there is some discount, but it's not as big as the other two. Right. Okay. And what can a person reasonably expect? First of all, in terms of time commitment and then that kind of all in terms of outcome, like at the end of the two years, what are they going to be able to do?

 

00:52:31:13 – 00:52:56:01

Unknown

It depends very much on how much effort they put in during their time there with us. Those who are going to do the tests at the end of each course and the research project in the course, they've got to probably expect they got the two hour class sessions 2 to 2 and all class sessions or 6 to 8, a week for 6 to 8 weeks.

 

00:52:56:03 – 00:53:24:22

Unknown

Then there's the long break. Well, there's another five days, 5 to 6 weeks. The first course is eight weeks. After that, they're 5 or 6 weeks, and there's a month in between in that month. In between, they take a test and they do the research. So you've got to anticipate you're you're probably going to spend probably six, 6 to 8 hours a week on average gain during the course.

 

00:53:24:22 – 00:53:42:15

Unknown

It might be less maybe four hours a week, but when you do the research project, that's probably that's probably a 6 to 12 hour effort to do a research paper. And you got to do seven of them over the two year period. There's one after each course. The test itself, you're probably going to need a couple of hours to prepare for.

 

00:53:42:15 – 00:54:03:20

Unknown

It's a 100 question test set for each course. You got it. You got to pass it or take it over again in passing means you got to get a list to score 70. Are those under? And that probably will take you. I would say it's going to take a two hours to take the tests, and probably I would say 3 to 5 hours to study for it.

 

00:54:03:22 – 00:54:24:07

Unknown

And it's the open book test. So you get to use your workbook for it. Now what can you expect to get afterwards? Well, if you take, if you do all that, instead of just going the courses and you might get to just doing the courses, if you're pretty disciplined, then you will know you'll be basically a market analyst, okay?

 

00:54:24:07 – 00:54:45:05

Unknown

A market timing analyst. You'll be able to look at a market and you know where you are on the cycle. You know what the investment strategy is. And if you get really good at it, you probably could get a job as an analyst at a firm. I mean, we've got at least six people now that we've trained that we work on our staff and we pay them.

 

00:54:45:07 – 00:55:02:24

Unknown

They work with us. If you're really good, we're going to we're going to draft you. We're going to bring you in. You have to give up your day job. Because if it's even worse now, unless you're it's still going to work, that same Raleigh is still going to work 5 to 6 hours a week, probably as an analyst, for us.

 

00:55:03:01 – 00:55:14:23

Unknown

But you're going to get paid more than you're getting paid your day job or tell you that this particular, yeah. Yeah. So any of you who are looking at, I mean, this is the time I feel and, correct me if I'm wrong. Right.

 

00:55:14:23 – 00:55:34:19

Unknown

being part of, MTA, it's not just academic training. You're not just learning a skill. You're actually going to go through a process with other people, and you're going to form bonds with some of these people. They're going to ask you the rest of your life, even people in the first course, they still are.

 

00:55:34:19 – 00:55:54:00

Unknown

And some of them are still in touch with each other. They share ideas. They discuss market strategies all the time with each other. So it's going to change your life. It's going to change how you look at markets. It's going to change how you look at people involved in finances. They're not all bad people. They're most they're affected.

 

00:55:54:00 – 00:56:13:19

Unknown

They're coming with us. I tell you, the mostly very, very good people, they're people you you enjoy being with. They're interesting people. They're, they, they they facilitate excitement, enthusiasm. They because they have the passion. They had the passion, the same passion that I have for what I do. They have it too. That's why they want to stay with us.

 

00:56:13:21 – 00:56:42:08

Unknown

And they do. So we give them an opportunity to be together, live in person if they want, every year. So course four, which will be May 20th. The 24th will be an in-person, intensive. Okay. You're going to get 20 hours of training in person with each other. If you can't make it, it's online. It's also, you know, you get it through zoom and you get a recording of it.

 

00:56:42:10 – 00:57:04:18

Unknown

You get recording. But whether you're in in person or not, you're still going to get a recording. If you're a student. So we we go to Lake Bled. We just love Lake Bled and Slovenia and the Balkans, this one most beautiful places in the world. Mountains, lakes. Chris. Fresh air. It's very affordable and they get extremely excellent.

 

00:57:04:18 – 00:57:29:19

Unknown

Just just excellent. Teaching facilities, for our for, for our work, for your life. You get this, you get you get all of the advanced technology we use that if you're checking in online, you, you know, it's just like you're getting online with zoom at any point. It's it's just a zoom presentation. So you're getting all the information, but it's the short amount of time it's going to be compressed.

 

00:57:29:21 – 00:57:47:15

Unknown

Instead, a six week is compressed into four days. But during those four days you get to talk outside of the classes. You get to bond with the people you've met during the classes. There's time, at least, and two of the days you can go explore the area. There's a lot of hiking trails. There's a lot of, horseback riding.

 

00:57:47:15 – 00:58:11:17

Unknown

There's a lot of boating. You know, there's it's it's a it's a destination location. It's a very experienced for everybody who comes. I can't say enough about. It's just wonderful. Do you have to be in the two year program to go to the retreat? Nope. Nope. You don't have to be in the prognosis. It's set for those people who want to be with a specialized group of traders or investors.

 

00:58:11:17 – 00:58:34:01

Unknown

This one's going to be a trading seminar. So it's a specialized group of traders who are really interested. Our work and our outlook for the next, let's say, 3 to 6 months. Does the traders workshop a traders. So they're coming to be with other traders and they don't have to be part of our world or retreat. If you're part of the retreat, you don't pay anything extra for as part of your costs, your tuition costs.

 

00:58:34:03 – 00:58:54:17

Unknown

If you're not, be retreat. If you're not part of the school, it's going to cost you $3,600 for the retreat. Okay. And you're offering the astrology. You have community a discount on that, right? Yeah. That's right. If you, come through astrology, hub, you will have, well, you and I going to talk about that. We got to work out those deals.

 

00:58:54:17 – 00:59:19:22

Unknown

But there is something that we're going to do here for your people. Yes. Okay. Is there a deadline on that? Well, we haven't even started there. The registration. We're not going to start the registration on this until probably November. Okay. So the deadline. Well, the deadline is basically, dependent upon the reservation schedule that they put up with the hotel.

 

00:59:19:24 – 00:59:39:02

Unknown

Like, if you reserve 90 days ahead of time, you're guaranteed a room. After 90 days, you're going to take, you know, we've set aside 40 rooms. They might take off 10% off. We haven't filled up 40 rooms. Okay. But the 30 days, they'll take up more. I think if you don't sign up within 30 days, you wait. The last 30 days, the hotel rates go up.

 

00:59:39:04 – 00:59:43:14

Unknown

So they don't. They aren't going to go up. The hotel rates are going to go up.

 

00:59:43:14 – 01:00:07:16

Unknown

so we have been hearing from astrologers for years now that this is the time to invest in and getting new skills. And if this is something that calls to you, if this is something that excites you, if it highlights a fire in you, then just consider applying and learning more and figuring out if this program could be right for you and which approach would be right for you.

 

01:00:07:16 – 01:00:42:07

Unknown

So again, that's astrology. ABC.com slash financial and you will be in the best hands of, of any that you could be in terms of learning financial astrology. It's just this is the school to go to. So I love that there are already some Astrology Hub students and community members who have signed up. That makes me so happy because I just feel like you're going to walk out of this feeling so empowered, feeling like this is an area of your life that you can apply your love of astrology to and thrive, you know and really like.

 

01:00:42:07 – 01:01:02:01

Unknown

Ride the cycles with intention, ality and purpose and discernment, and it just seems like it would offer such a peace of mind. And in this area of life, which then, as we talked about it, can be applied to other areas of your life as well, the things that you learned. So, and it sounds like you're going to meet some really amazing people as well.

 

01:01:02:07 – 01:01:31:06

Unknown

So, Ray, thank you so much for sharing everything you've shared with us here today for extending this invitation to our community and for just being so present and and available for us as a teacher, because we need more incredible people like you leading the charge in this area. And just really grateful to be here. Thank you. Amanda, it's been a pleasure, as always, being with you and I.

 

01:01:31:08 – 01:01:58:16

Unknown

I said this before, I'll say it again that you are the best interviewer we have on the field of astrology. Thank you for all the work that you do. Thank you so much, Ray. That is a huge compliment. I really appreciate it. And thanks to all of you for tuning and for being curious, for being open, for expanding your astrological vernacular and your perspective and just for sharing in this love and joy of astrology that we have here.

 

01:01:58:16 – 01:02:08:22

Unknown

So I look forward to connecting with you all on the next episode. Thank you for making astrology a part of your life. We'll see you soon. Okay? Thank you. Amanda.

 

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