Practice positive self-talk. It's easy to lose objectivity when you're stressed. One negative thought can lead to another, and soon you've created a mental avalanche. Be positive. Instead of thinking, "I am horrible with money, and I will never be able to control my finances," try this: "I made a mistake with my money, but I'm resilient. I'll get through it."

You are using an entrainment product that is not well designed and is not assisting you with your meditative practice. Since we’re focusing on the use of LifeFlow it would be fair to point out that it has shown itself to be highly effective by literally hundreds of users registered on our forum, facebook page and Blog. Its technical attributes have proven themselves over time. There are, of course, other products on the market which are also effective. We can safely say that LifeFlow has demonstrated that it works. Failure to experience its benefits are not due to defects in design or technical specifications.
Cory Allen [b. 1982] is a composer and mastering engineer living in Austin, Texas. His work focuses on the cultivation of human perception with the intent of altering the listener's state of consciousness. Allen's music is deep, patient, meditative, highly-conceptual and often composed by implementing self-organizing structures, rule-based performances, set pitch classes and a wide variety of instruments.
When two pure tones of slightly different frequencies are delivered simultaneously to the two ears, is generated a beat whose frequency corresponds to the frequency difference between them. That beat is known as acoustic beat. If these two tones are presented one to each ear, they still produce the sensation of the same beat, although no physical combination of the tones occurs outside the... [Show full abstract]

Monaural beats have similarities to binaural beats, but the two separate frequencies are delivered through a pulse pattern and mixed before they reach the listeners ears, resulting in the advantage of being audible without stereo headphones. However, using stereo headphones intensifies the effectiveness of monaural beats and is recommended for the best effect. 
Most wisdom traditions have employed methods that allow the subjects' brain waves to slow down such as meditation, [Hindu] kirtan, [Gregorian, Menzuma or Sufi] chanting, Hebrew davening, Native American drum circles and rain chants, Tibetan prayer bowls, and whirling dervishes and African trance dancing. The rhythm of these wisdom tradition technologies actually slows people's brain waves from their normal busy brain frequency we call Beta (13-30 cycles per second or Hz), to Alpha (8-13Hz) -- meditation, Theta (4-8Hz) -- deep relaxation and dreaming, and Delta (.5-4Hz) -- slow wave or dreamless sleep.
Neural oscillations are rhythmic or repetitive electrochemical activity in the brain and central nervous system. Such oscillations can be characterized by their frequency, amplitude and phase. Neural tissue can generate oscillatory activity driven by mechanisms within individual neurons, as well as by interactions between them. They may also adjust frequency to synchronize with the periodic vibration of external acoustic or visual stimuli.[3]