An Interview with Rev. Ernie Chu
By Randy Peyser



Rev. Ernie Chu is the author of “Soul Currency: Investing Your Inner Wealth for Fulfillment and Abundance,” published by New World Library, Oct. 2008. With a 35-year career as an investment banker, corporate executive and entrepreneur, he has created more than $1.5 billion in market value for his clients.

In his new book, he applies definitions from the financial world to the world of Spirit, showing how we can use our vast abundance of spiritual assets to manifest our dreams.

Chu offers many exercises to help individuals take stock of their “spiritual portfolio,” to discover and activate their flow of energy, and to remove the blocks that are preventing the flow of abundance. Chu serves as Assistant Pastor at Religious ScienceFort Lauderdale. Visit:

Randy Peyser: What is “soul currency?”

Rev. Ernie Chu: There are two parts to soul currency. The first refers to the soul level, which is the part of you that is eternal essence. Currency is also a descriptor of how that essence expresses itself in the world. In the material world, soul currency flows in and out of different forms.

For example, we have financial currency that will flow from a dollar, to yen, to Euros, to in and out of people’s pockets. The circulation and flow of currency throughout the world connects the entire world. Likewise, the real essence of soul currency is that special infusion of Source energy that connects us with everything in life. It expresses itself in many different forms; it is very much like currency.

Randy: What led you to equate financial currency with one’s soul currency?

Ernie: I started as an investment banker. As someone who spent a lot of time in the money arena, I knew quite a bit about currency. At work, we would invest millions of dollars on a phone call. We would see billions of dollars change hands. My first job was that of a financial reporter for the Wall Street Journal. I wrote the bond column. Bonds are the single largest financial market in the world.
After I left Wall Street, I became a New Thought

I began to realize love seemed to have a way of creation, similar to the way capital flowed. That was how the term, “soul currency,” came into being.

Randy: What do you mean by saying that “love flows similarly to the way financial currency flows?”

Ernie: The soul’s currency is love; love is part of everything. One’s spiritual assets and spiritual capital are all part of love. In the financial world, capital represents currency or some medium of exchange by which you can invest in something as either an asset or to buy things.

After teaching about spiritual abundance for many years, I discovered that people basically didn’t feel good about themselves. Either because of messages from childhood or the fact that they always saw the world in a very dualistic way — many people felt like they didn’t deserve anything.

When people were told they had divine gifts, and that these gifts were their birthright, it didn’t register with them. I was looking for another way to describe some of these truths in a way that would have value to them. I started to call these divine gifts “spiritual assets,” and people would equate assets as something that had value.

Randy: Can you give some examples of spiritual assets?

Ernie: Persistence, integrity, high character, ethics, morals, honesty. I look at one’s assets from a wealth perspective. You can take these assets and activate them. You can set intentions and intensify your intention by adding what I call “the currency of wealth” to them, and all of a sudden you have spiritual capital.

From a Wall Street perspective, when you start a company and long before you sign your first lease, write your first business plan or take your first order for stock, you’ve invested your spiritual capital. That spiritual capital could have been the million-dollar idea that came to you.

When ideas come to you from your imagination or a dream, that is part of your spiritual capital in action being done. You have activated your imagination and intuition to be able to understand your imagination. That plus some of your insights can help you to produce an idea that can lead you on your way. Nothing happens by accident.

Randy: How does this all translate into greater prosperity?

Ernie: We are creators of the outer world, but the outer world is a reflection of who we are and what we do. The soul’s currency is the point where you always start. A part of your initial intention could be to state: “I choose to have a much greater income,” or “I choose to have this job work out really well.”

You will, in effect, take your great treasure trove of spiritual assets, and through intention and focus, be able to create the spiritual capital that allows you to take action and do a great job, or come up with the ideas that may be the basis of greater income, or be able to give a great presentation that allows you to make a sale.

Randy: What stops most people from having prosperity?

Ernie: What stops most people is what I call “counterfeit currency.” Counterfeit currency consists of limiting beliefs and destructive behavior. We treat our limiting beliefs as though they were real, even though they are not. Not feeling deserving is an example of counterfeit currency.

If you have an issue around being deserving, you can have all the great ideas in the world about creating income and you can talk a good game about it, but deep down your predominant belief, that you know is not true, is “I have to struggle and I am not deserving of this.”

That is why a great business opportunity can present itself, like a great piece of real estate, and it sounds like it’s too good to be true. The person who is having counterfeit currency about deserving these kinds of things is going to check it out four ways from Sunday and say, “I guess it’s real, but if it is that real, why would it come to me?” If Donald Trump looked at the same situation, it would all check out, and he would say, “Yahoo! Send me more of these.”

Those are the differences between people who are prisoners of their own counterfeit currency and those who may not even seem to be spiritual but have gotten rid of their counterfeit currency. They have used their spiritual assets, even though they don’t call it that. When you use your spiritual assets, you are not even aware of it; it is almost like breathing or listening to an orchestra where everyone is playing seamlessly. That is how soul currency works.

Often a person will say, “I am so spiritual. I am a giving person and I am a loving person. Why am I struggling all the time?”

That same person is going to look at people who do not appear to be spiritual and say, “He seems so unspiritual. He doesn’t even seem to care about people at all. Why does he get to be rich?”

The answer is that it is all spiritual; only our language is not spiritual. Listen to the evangelicals. Their language is exclusive in many ways; if you haven’t taken Jesus as your personal savior, you are going to hell. Well, all you have to do is listen to someone who has just lost 30 pounds tell you how you shouldn’t be eating this or that because you will put on weight… their language is the same as the evangelicals.

The same thing is true of people who are brought up with New Thought philosophies or in a spiritual way. Those who are choosing to embrace spirituality will look at people who don’t embrace it, or who seem to have pretty unconscious lives, and they’ll say, “You’re unconscious. You’re not spiritual.”

If you really look at it, God doesn’t play favorites. God doesn’t say, “I am going to make you suffer a little bit more and then I am going to reward you.” Those are examples of counterfeit currency that someone has made up. We tell ourselves this so often that we believe those things.

Randy: Can counterfeit currency be converted into spiritual capital?

Ernie: You don’t have to take another workshop or read another book. The point is that greater consciousness, greater enlightenment is a process of subtraction; it is not a process of addition. It is about letting go of baggage. You must recognize that you have baggage and be able to see what your payoff is for having this baggage.

Most of the time the payoff is the same: “Will you still love me, no matter whether or not I am successful? Every experience in life is about giving or receiving love, or having love. The other payoff is that you don’t have to change. If you want to change the outer world, you have to make some type of change to your inner world.

Randy: Why do Mind/Body/Spirit practitioners often struggle so much financially, while it appears that many people in the business world do not struggle in the same kind of way? Are you saying that spiritual practitioners have more limiting beliefs than business people?

Ernie: Many people are drawn to spirituality because they need to learn what they teach, and they go into spirituality primarily because they have trouble receiving. They are using spirituality to be a kind of anesthesia so they don’t have to get rid of the last 20-30% of their limiting beliefs or unresolved issues that are blocking them. They may use the right vocabulary, have read the right books, and have taken the right workshops. Many of them are loving, giving people. But most of them have really big issues.

According to the Law of Circulation, if you give a lot but don’t know how to receive, eventually you will run out of things to give. Since most healers and practitioners are not committed to living in poverty, they will start to receive again — they will take action, such as to start advertising, or offering workshops or products that people want to buy. They will have an inflow of prosperity. But then the cycle will begin again. I call this the “rollercoaster of prosperity.”  

Randy: I know many people who have worked on themselves for years and they still don’t have what they want.

Ernie: They aren’t doing the work. They think they know all the right things to do — they know about their inner child, they know about Byron Katie and her work, they know about lots of other things. Some of these people are workshop junkies. But you don’t need to take another workshop to get rid of these things. You don’t need to learn anything. What you need to do is let go.

We know all the right things, but what happens is that the so-called “learning about consciousness” is like an anesthesia I mentioned earlier that covers the stuff we have tamped down so deeply in our persona. Some people are afraid of being judged so they tamp the stuff down so deeply that it is very difficult to release.

The first time I went to a workshop, I felt uneasy. I thought everyone was more advanced and enlightened than me. I discovered it was just the opposite; people had issues in their lives that were far worse than mine. Their lives were a mess. I noticed the workshops I attended were like a huge vortex for people who had issues. That’s fine. But often practitioners who do a lot of work on themselves, who eat right and do meditation, have trouble letting go of the stuff that is tamped down deep. In some respects that is the hardest thing to get rid of.

If you are not burdened down by all this stuff, you can be very successful because you can allow yourself, by intention and focus, to simply say, “I am going to allow the flow of money to come in, and boy, do I love that!” And “I like what I am doing and I enjoy the business aspects of things.”

Guess what? Those are all the ingredients for spiritual capital. They may not call it that or think of themselves as spiritual, but as I mentioned, everything is spiritual and it is only the words that separate us. You can call it something else but it is all one.

Randy: You refer to the term, “Adventureprise” in your book. What is Adventureprise?

Ernie: Adventureprise is where you invest your spiritual capital. If you have a dream or idea and you are investing in that dream, that is your Adventureprise. Entrepreneurs often say, “I have invested my heart and soul into this.” That is the same as investing in your spiritual capital. When you do that, instead of dreaming the dream, the dream begins to dream you.

It will take you to places you have never been. It will put you in touch with people or situations you would never have imagined meeting. Your customers will be the people who astound you with their wonderful comments. Adventureprise reflects the adventure of the dream dreaming you — the adventure of ‘life’ — and it reflects the enterprise of the soul.

Randy:  If you feel you know your life’s purpose, shouldn’t the doors open for you as if by magic so you can create your dream?

Ernie: Not necessarily. You have to be able to invest your spiritual capital and then take action. Action is a very important part of the process. Be clear, know you are going to help people with your product or service, and know nothing is going to stop you, and you will find a way. Don’t stop.

Randy: How do we keep from comparing ourselves to others when we think we should be further along financially than we are?

Ernie: That is a trick your mind plays on you to tell you that you are not any good, which isn’t true. Everybody has their own path. What may be true is that you invested your spiritual capital but you needed to invest it in a better way. For example, you can invest in a stock that does nothing for five years, or you can invest in something like Microsoft and do very well.

You need to ask yourself, “Where do people in my line of business make money and what are the ways I can make the most money? You have to look at what the profit path is.
It all comes back to knowing how to invest your spiritual capital.

For information on Rev. Ernie Chu’s November workshops, visit

Randy Peyser is the author of “The Power of Miracle Thinking.” She also edits books and helps people find publishers. Please visit:

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