Financial Freedom

A Course in Prosperity

Teachings and Assignments

by Dr. Pillai

2013 Pillai Center for MindScience All Rights Reserved

Most people in the world have bad money karma, which means they are hurting for
money. This problem is true even in the United States - the richest country in the
world! Most people experience one or more of the following:
1. Living from paycheck to paycheck.
2. No paycheck at all.
3. Living with your parents.
4. Driving a junky car.
5. Taking a bus to work because you dont have a car.
6. Job is constantly ending and you are continually looking for another.
7. Surviving on cash advances from credit cards.
8. Borrowing money from others.
If you go to a career counselor, he or she would say one or more of the following:
1. You have no job skills that are marketable.
2. Go back to school and acquire some education.
3. Get two full time jobs to supplement your income.
4. Get more hours wherever they are available.
I am not going to emphasize any of the aspects mentioned above. Not that I
disbelieve them, but they are commonplace knowledge and many people, if not
everyone, know about them. I want to give you some uncommon and spiritual
methods for addressing your money karma.

Why do you hurt for money?

There are many reasons why you dont have money. Let me start from the beginning
of your life. Your mother has just delivered you. Unfortunately, you were not born
with a silver spoon in your mouth. Nevertheless, ones birth circumstances with
money constraints have serious consequences.
As a child growing into adulthood, you are not going to have an easy life unless your
parents do something to improve their finances. As the book, Rich Dad, Poor Dad
indicates, most of our dads (including mine) had no clue how to make money. In a
negative parental environment such as this one, you can do very little to get up and

running. Your consciousness is clouded and you have no energy. You cant go to a
good school because you cant afford the tuition.
Why is this situation happening to you and not to Prince William or the sons and
daughters of a millionaire? There is only one answer to your question: YOU ARE
BORN WITH A BAD MONEY KARMA.

How to Change Bad Money Karma

You may ask, How do I change my money karma? I have come to this earth-plane
primarily to help people change their karma. Please understand something
suffering does not remove or dissolve bad financial karma. You need a technique to
remove bad financial karma, a Divine technique. Within the soul are vibrations
which support wealth or poverty.
I am doing a lot of meditation to help put money into the hands of spiritual people,
people who have hearts. Right now, it is in the wrong hands. In this course, I am
going to give you techniques to dissolve bad financial karma.
In order for you to have maximum results, you should follow my advice
meticulously. Get rid of your own philosophy about money. It has not helped you.
Remember, even without your knowledge, your philosophy will try to sneak in. Get
rid of your philosophy. Period.
Mantra: Thiru Neela Kantam
[pronounced: TEE-ru NEE-la KAN-tum]
Start my two-fold program outlined below to improve your bad money karma. This
first technique will help you get rid of your past life karma that is disallowing you to
make money. When you wake up in the morning, do the karmabusting, Thiru Neela
Kantam meditation at least for three minutes while still in bed. Chant the mantra,
Thiru Neela Kantam, in the throat visualizing a blue light. Both the mantra and the
light should stay in the throat. Make a prayer to the Divine empower the mantra to
remove your bad money karma.
Flower Ritual

Later on when you shower, do the mantra again as outlined. After the shower, it is
important that you take a few flower petals (or even a whole flower) and roll them
on your head (around the brain area and forehead), throat, neck, shoulders and
chest (heart area). As you do this, pass your negative financial karma to the flower
petals. Put the mantra, Thiru Neela Kantam, into each area. Let the negative
thoughts about money in the head pass into the flower. Let the negative financial
karma stored in the throat pass into the flower. Let the financial burdens carried in
the right shoulder and left shoulder pass into the flower. Literally let the burden lift
off your shoulders. Let any heartache and sorrow about money and finances in your
heart pass into the flower.
Do not smell the flower petals. Hold them in your right hand as you do the ritual.
Imagine that the flower petals have absorbed all your past-life karma and presentlife karma and then crush them, saying the mantra, Thiru Neela Kantam. Lastly,
throw these scapegoat flower petals away and wash your hands.
Flowers come from a very pure dimension. They carry space energy, the energy of
akash (space). Your karmic records are said to be stored in the Akashic Records, the
realm of space energy. Flowers have the occult (hidden) power to help you access
Akashic Records. This spiritual technology is like directly updating a database! I
promise you, if you work with the flower petals and the mantra, you will find
tremendous benefit from this secret ritual. Those of you who have my Thiru Neela
Kantam audio should listen to it everyday, even if it is just playing in the background
while you are doing the dishes or driving your car to work.
The flower ritual comes from Divine law, not human law. Divine law deals with
spirit. It is difficult to change deep-seated karma through behavioral techniques.
This technique is part of Divine Knowledge, and many, many people in the world
will now benefit from it. Repeat this flower ritual every day. Tell yourself firmly, I
do not want to go through this karmic life. I must dissolve it and create some other
karma, something more fruitful. If you do this flower ritual every day, your human
ego and doubt will get out of your way. You will begin to desire in a more authentic
way. What supports a prosperous mind are desires that are authentic, genuine and
healthy. Without this desire, a prosperous mind falls apart.
So, I repeat this truth to you: what supports prosperity is desire. The fire of alert
consciousness and desire must be burning all the time. You must cultivate that

consciousness. When the mind begins to blah-blah, say Shut up! and put
something interesting in the mind instead. If more and more people will live this
teaching, we can create a society of conscious individuals.
Planets and Money Karma
Second, understand that your money karma is carried by planets in your chart. I
recommend that you find out which planets are directly involved in creating
financial hardships for you and do some remedies to change those bad influences.
You may ask, If we are doing Thiru Neela Kantam, why bother with planets? The
answer to this question is: Thiru Neela Kantam is like your general physician. He
knows everything about your body, but he needs to send you to an eye doctor or an
orthopedic doctor as the need arises.

Story of Vishvamitra and the Sage Vasistha

When I was in India, I received a very powerful sound which was not known to the
world before. This mantra was given to me by Vishvamitra as a gift to be used in this
age. Vishvamitra was a king who became a great enlightened saint. I will tell you a
story about him.
Vishvamitra was originally a great king who lived in India in a different time period.
He was born to a warrior class family of kings, and he distinguished himself in all
kinds of martial arts and methods of warfare. The country passed through a very
severe economic depression, and there was not enough food for the people.
Vishvamitra was distressed by this suffering, and he wanted to find out means for
rectifying it. One day, while hunting he encountered Kamadhenu, the magical, wishfulfilling cow. This cow was a gift that the enlightened Sage Vasistha received from
Lord Siva after years and years of penance and meditation.
Vishvamitra thought that the cow would be useful to him to feed his people who
were suffering from the drought. Vishvamitra wanted the Sage to sell the cow to
him. He explained to Vasistha that he would put the cow to good use and that there
was no better financial instrument than Kamadhenu. Vasistha agreed that the cow
had tremendous power, but said that he wouldnt be able to part with the cow,
because it was a Divine gift. Vasistha made it clear that the magical cow was not
something one could buy and sell like other commodities.

Vishvamitra, being the king of the land, would not take no for an answer. He now
demanded the cow from Vasistha, invoking his royal power as a king. Vasistha again
politely declined. Vishvamitra decided to take the cow by force, and he ordered his
army to capture the wish-fulfilling cow. However, Kamadhenu resisted the arrest
and kicked the solders with all of her four legs! She magically flew into the air and
descended upon the army, killing several soldiers. No one could capture
Kamadhenu.
In the meantime, the king engaged Vasistha in combat. He shot deadly arrows at
Vasistha. But Lord Siva intervened and turned the arrows into flower garlands that
fell harmlessly at the feet of Vasistha. Now Vishvamitra did not know what to do.
For a moment he was confused and angry. But suddenly, it began to dawn on him
that all his martial arts training and kingly powers were useless in comparison to
Vasisthas miraculous power attained through spiritual means.
The humbled Vishvamitra was resolved. He renounced his temporal power as king
and decided to whole-heartedly pursue spiritual austerities. After many years of
disciplining his mind, Vishvamitra also attained miraculous powers. The story of
Vishvamitras encounter with Vasistha illustrates the idea that mind power is
better than muscle power.
The mantra that Vishvamitra gave to me is BRZEE. It took 1500 years of meditation
for Vishvamitra to come up with this mantra for wealth.

Brzee Meditation
In this meditation, we will place this sound in various parts of the body. First chant
Brzee out loud into the sensory organs. Next, mentally repeat at the same spots,
continually allowing the mantra to become more and more subtle.
Lets begin. Sit comfortably. Chant the sound Brzee into the sensory organs. Stay for
one minute in each of these areas. Begin by chanting aloud, then mentally, until it is
a feeling.
First into the right eye: BRZEE, BRZEE BRZEE.
Left eye
Right ear

Left ear
Right nostril
Left nostril
Tip of the tongue
Middle of the tongue
Back of the tongue, tonsils and throat
Third eye (pituitary)
Now, write this mantra nine times. When you write it, it must be done in a certain
way. B-R-Z-E-E. On top of the letter BR, draw a crescent moon. On top of the crescent
moon, put two birds, flying.
This sound Brzee consolidates material energy. When you begin to vibrate with that
energy, you will attract matter. It is a spiritual technology.

Story of the King and the Robbers

The Divine is watching over us all the time. Often, we are unable to appreciate it. In
India there is a story which illustrates the lack of perception and appreciation for
Divine guidance.
A king was cutting a mango fruit. The knife slipped, and he cut one of his fingers.
The kings minister who was nearby saw the king bleeding and said, Thats good.
The king got mad. I cut my finger, and you say, thats good! Thats not right! Im
throwing you into the prison. So, the king had the minister seized and put into the
prison.
That evening the king went on a hunt, and he became separated from his hunting
party. He lost his way in the forest and fell into the hands of some evil bandits. The
fiends took him to a temple where human sacrifices were done. They began
preparing the king. But then there was the rule that if the sacrificial prey had any
deformity, that prey was not eligible for sacrifice.
The robbers examined the king and found that his finger was cut. They let the king
go. The king came back home and released the minister from prison. The story
expresses the idea that good things happen to us, and yet, we do not know it.

Visualizing Brzee Meditation

Now I am going to take you on a guided meditation with Brzee. [As with all the
meditations and visualizations in this course, it is a good idea to review the
meditation first before participating.]
Close your eyes.
Focus attention on your right eye.
Visualize a beam of white light entering your right eye, then entering your left eye.
Visualize another beam of white light entering the right eardrum, then entering the
left eardrum.
Visualize another beam of white light entering the right nostril, then entering the
left nostril.
Visualize another beam of white light entering the mouth.
Now come back to the right eye again. And receive this sound in the right eye: Om
Brzee Swaha.
Allow the sound Brzee to go deeper and deeper into your right eye. Brzee Brzee
Brzee
Go to the left eye. Om Brzee Swaha.
Receive the sound Brzee in your left eye.
Brzee Brzee Brzee
Let the sound go into every cell of the left eye.
Go to the right eardrum. Om Brzee Swaha.
Let the sound go into the right eardrum.
Brzee Brzee Brzee
Go to the left eardrum. Om Brzee SwahaBrzee
Brzee Brzee
Now the two eyes and the two ears are filled with the sound Brzee.
Om Brzee Swaha. Brzee Brzee Brzee Brzee
Now go to the right nostril.
Om Brzee Swaha. Feel the sound inside the right nostril.
Brzee Brzee Brzee
Go to the left nostril. Om Brzee Swaha.
Receive the sound in the left nostril.
Brzee Brzee Brzee
Now your two eyes, ears and the nostrils are all filled with the sound Brzee
Now go to the tip of the tongue and receive the sound there.

Om Brzee Swaha Brzee

Now move to the middle of the tongue.
Om Brzee Swaha Brzee
Now move to your tonsils and the throat.
Om Brzee Swaha Brzee
From the tonsils look up into the two brains.
Om Brzee SwahaBrzee
Let your two brains vibrate with the sound.
Om Brzee SwahaBrzee
Now come back to your right eye. Internalize the sound Brzee in the right eye very
subtly. Go to the left eye, internalize the sound very subtly. Put Brzee very subtly
into all the organs again. The right eardrum. The left eardrum. Inside the right
nostril. The left nostril. The tip of the tongue. The middle of the tongue. The tonsils
and the throat. Look up into the brain and internalize the sound:
Om Om Brzee Om Brzee Om Brzee Om
Keep your eyes closed. Relax. Slowly, slowly come back to yourself.
Om Shanti, Shanti, Shanti.
Put your hands together and bow with gratitude.

Money and Energy

Money and energy are synonyms. When there is no money, there is no energy. Most
people know this concept intuitively. Lethargy, cynicism and unconscious thinking
are indications of low energy.
Energy and lethargy are represented by two archetypal figures in Indian mythology:
Lakshmi and Alakshmi. Lakshmis energy is royal and has a strong sense of direction
and purpose. Alakshmis energy is dim and leads you to denial and sloppy behavior.
When infused with Alakshmis energy, you become unconscious, and unfocused.
You lack goals and direction.
We come to the earth-plane to learn about money, power and energy. Those who
have the money get to rule the world. Those who dont have money end up working
for those who have it. Right now, only people with money can really run for political
office. Even Jesus was betrayed for a few pieces of silver. Money gives you

independence. When you have money, you no longer need to do jobs that you dont
like. When you have money you can boldly say, No to your boss and speak the
truth. My finding is that when people have no money, they do not eat or live well.
When you have no money, you eat hot dogs and generic bread and sleep in smelly
motels.

Becoming Money-Minded
The energy of poverty is anti-life. In order to make money, you have to be moneyminded. It is unfortunate that many cultures have put God on one side and money
on the other. Even in the affluent United States, there are far too many people living
a life from paycheck to paycheck, and credit card debts continue to rise each year.
This split between God and money is a serious theological and metaphysical mistake
which has led to dismal experiences.
Without getting too much into philosophy, Im going to focus on how you can best
improve our finances. Just think about your finances all the time. All the time think
about money. Just have a figure in your mind, some numbers. Say to yourself, This
is the amount that I want to make. Keep on thinking about it. This is very, very
important. The reason why we dont have money is because we forget to remain
money conscious. We are unconscious. It is a tragedy that human beings seem
incapable of remembering just one thought. If you can hold onto a thought,
whatever the nature of the thought, you are going to realize that thought.
Finance involves goals and visions. Most people dont have visions; they just get by.
Visions have to be supported by practical data. Ask yourself some tough questions.
Am I too idealistic? Am I unconscious? The moment you put your attention on
looking at finances, ideas will come. Of course, we cannot earn money through
activities like stealing or selling drugs. We want to earn money through noble
means. We must ask the Divine to help us and to inspire us with fruitful ideas.

Techniques of Attraction
Im going to teach you two important techniques of attraction. It is very important
that our eyes should be focused on the things you want to manifest. The eyes are

very important organs in the thinking process. There is a saying in English, Out of
sight, out of mind.
In order to have something in mind, you have to have it in sight. Do this: write on a
little piece of paper whatever you want to manifest. It should be very, very legible.
Put it up it all over the house. Go to your workplace and put it on your desk. When
you happen to see the figure, the numbers that you want to manifest, it will have
tremendous impact on your consciousness.

Picture Abundance
Another thing that you must want to do is put up pictures representing financial
abundance. Put up a picture of a money tree. The money tree goes back to the
archetypal imagination of the human race. There ARE money trees in heaven. They
are not just money trees, but trees which are capable of manifesting the things you
want. These are called wish fulfilling trees. In Sanskrit there is a name for such a
tree. It is called, Kalpa Vriksha, the trees which manifest your desires. Its important
to visualize because the money tree belongs to the unconscious and the archetypal
imagination.

Emotional Investment
Embrace the desired wealth with all positive emotions. If you do not have such
strong emotions, you cannot manifest. Logic will not help you manifest. Only the
emotions of the heart will help you with the manifestation. The head is judgmental,
whereas the heart doesnt judge.

Fantasize and Think Positive

Have a wealth fantasy. Feel as though you are already living this manifestation, as if
you have already manifested all of these things. Feel happy and satisfied with your
manifestation.
Go on doing the practice, using the mantra with visualization. Do not be discouraged
if the mind gives negative signals. The mind may be saying, Well, it has never

worked. And it is not going to work. Whenever the mind gives you a negative signal
like that, you just say, Shut up to the mind.
Some people ask me, Is it okay to manifest what I want? Arent I supposed to
surrender to Gods will? I tell you, God wants for you what you want for yourself.
His will for you is unending joy. God is not a kill-joy!
Im going to lead you through a small meditative process. At first it is just a
contemplation, and then you will add some chanting, which will help you to
manifest during this session.
Sit comfortably and close your eyes. Think about your own financial situation.
Think about the past. Have you ever thought about how much money you want to
make? Just ask yourself. The answer will come. Now ask this question. Do you have
a game plan to manifest that money? What are your responses from your own mind
for this question? If you dont have a game plan, can you think of one? Just think of
one that can give you the amount of wealth that you desire.

Manifesting Time
Another factor to consider is time. How much time is needed to manifest this
amount of money? If you think it is going to be too much time, think of another
avenue that involves a shorter time to get to the goal. These are questions which you
have never asked. If you have asked, the questions were probably superficial. You
never sat down and asked yourself these questions with closed eyes.

Visualization of Lakshmi
Im going to give you another dimension, a spiritual dimension, to help you manifest
wealth. Stop thinking about the questions and just be with me. Im going to ask you
to imagine certain symbols. Visualize the ocean. But this is not an ocean full of
water, but an ocean full of milk. Its a milky ocean. It is endless, with waves of milk
dashing against the shore. It is so brilliant. Its all white.
You see a full moon coming out of this milky ocean and shooting into the sky. The
moon moves up and up and up into the sky.

Next, you find an enormous white elephant coming out of this milky ocean. It walks
on the milky ocean and it comes toward you. The white elephant goes into your
third eye and becomes part of you.
Now you see a magical white horse. This horse has wings. The white horse is coming
toward you. It also gets into your third eye and merges with you.
A money tree is coming out of this milky ocean. It has no money on the leaves, but
actual gold. The tree with gold comes toward you, gets into the third eye and merges
with you.
Finally, you see the goddess Lakshmi, who is the goddess of wealth, coming out of
this milky ocean. She is golden and carries two golden pots. The pots are filled with
gold coins. She is coming toward you. She is emptying the pots of gold coins into
your head. She merges with you.
Chant the mantra: OM SHREEM LAKSHMIYAI SWAHA
Visualize gold everywhere. Gold is the purest emotion of creation. Gold is the
emotion of God. Thats why in every culture people have accepted gold as money.
Chant the mantra: OM SHREEM LAKSHMIYAI SWAHA
Visualize abundant wealth and all that you want in your life. Visualize with great
emotion and joy, as if you have already manifested it. Its not that youre going to
manifest...visualize that you have already manifested. The house, car, relationship,
health, etc... has already been manifested.
Embrace this manifestation. Live through this manifestation.
Chant the Mantra: OM BRZEE, BRZEE, BRZEE

Workbook
Instructions: Please take a printout of the Workbook. Reflect on the items that
apply to you, and answer them authentically.
How much do I need to live an affluent life?
First, figure out the monthly amount that you require in each area to live a lifestyle
that you consider to be affluent. Once you know the amount and you place that
thought in your consciousness, then you will attract opportunities towards you to
manifest it.
AREA
Housing

Rent or Mortgage
Utilities (gas, electric, water)
Homeowners Insurance
House or Apartment Maintenance
Supplies
Furniture
Computer

Communications

Basic Long-Distance Cell Phone

Voicemail
Internet

Vehicle

Car Payment or Lease

Fuel
Car Insurance
Parking
Other Transportation

Food

Groceries
Vitamins

AMOUNT

Dining Out
Health and Beauty
Products/Services

Drugstore
Cosmetics
Hair
Facial
Manicure
Massage/Chiropractor/Acupuncture

Professional
Dues/Memberships

Health Club/Gym Membership

Clothes

Dry-Cleaning/Laundry
Clothing Purchases

Insurance

Health
Disability
Life

Credit Card Payments

Loan Payments

Entertainment

Cable TV
Weekend Play
Vacations
Magazines/Books/Newspapers
Club Membership
Hobbies

Charity Contributions
Other
TOTAL

YOUR FINANCIAL GOAL: I need to make ____________________________ per month to

lead an affluent life.

Daily Assignments
Morning: Review your financial goal(s). Take note of any progress or lack of
progress.
Evening (or Late Afternoon): Do the Prosperity Meditation (approx. 23 minutes).
It contains the sound Brzee the ultimate sound for attracting prosperity and
wealth.
This sound works in a divine dimension to attract opportunities to you.
Pray Every Hour: When your watch beeps, mentally say Brzee. Feel the positive
vibration of the sound.
Then, make a prayer regarding your finances. Example: I need to make $7000 by
the end of the month.
Write Your Goal Everyday: Write your financial goal(s) 9 times every day.
Example: I need to make $7000 by the end of the month.
The written word is a more concrete medium than thought. Thought involves only
the mind, where writing involves both the body and mind.
Atleast Once A Week: Listen to the Teachings by Dr. Pillai. Every time you listen,
the teachings will penetrate deeper and deeper into the mind and the unconscious.
They contain affirmations that are designed to reorient your thinking mind as well
as your subconscious to a new model of functioning.
Allow the affirmations to go deep into your consciousness. The mind will soon
develop an automatic reaction to the affirmations. If you listen attentively, however,
these affirmations will deeply penetrate your awareness.
Awareness Times: Practice regular awareness times when you work with your
financial goal(s).
When you first wake up in the morning.
When you pray before every meal.
Before you go to bed.
Mentally say Brzee with emotion & make a prayer about your financial goal.