19UNITYMAGAZINE.ORG JULY/AUGUST 2017
Her 7-year-old son was just cozying up under the covers when Ellen Rogin walked in and sat on his bed, ready for their nightly ritual. She tucked the
blanket around his shoulders and asked, “What five things
were you grateful for today?”
Smiling sleepily, he began his list: “My teacher, my friends
at school, our warm house …”
By encouraging her young children to appreciate their
blessings with this gratitude practice, Rogin believes she was
also priming them to become financially responsible adults.
Rogin, an accountant and certified financial planner,
learned about celebrating the positives from observing her
clients. “When your mind is free from worries and you’re
focused on the positive,” she says, “you’re more flexible and
you actually make better financial decisions.”
Early on, Rogin realized that her M.B.A. and C.P.A.
training had only partially prepared her to be a successful
“I was taught about analyzing and running numbers,”
she says, “but not about people’s mindsets around their
money.” Rogin soon noticed that happiness and wealth did
not correlate as she had imagined they would. People with
wealth weren’t necessarily worry-free. They sometimes felt
stressed about their finances. People who were good savers
often told her what they were thankful for.
“That fascinated me, and I wondered what was going on
emotionally and spiritually,” Rogin says. In listening carefully
to her clients, she noticed a key difference.
“The overspenders usually focused on what they gave up,”
she says. “They’d proclaim, ‘I don’t go on fancy vacations. I
don’t drive a luxury car.’” In contrast, the people who thrived
on saving money talked about what they were grateful for.
They’d be more likely to say, “It would be great to update my
kitchen someday, although it’s fine the way it is. My old car
has a few problems, but it still gets great gas mileage.”
From this deep listening, Rogin found that without ever
discussing money, she could talk to a prospective client and
quickly know if they were financially responsible and would
reach their long-term goals.
Rogin’s desire to learn more about money and mindset
led her to look at herself. Through some exploration, she
realized she held a subconscious belief that it was her
husband’s job to earn the family’s money. Unknowingly,
Rogin had been pushing against that old belief while trying
to build a financial advisory business.