Seven days in the Caribbean. Timeless ideas from Think and Grow Rich and The Science of Getting Rich. Intentional conversations, fresh perspective and space to begin taking purposeful action.
You can read the principles on land.
Or explore what it means to live them at sea.
Join the experience, apply for the deeper Think & Cruise Rich Inner Circle, or work privately with Monika.
Founding Cohort PricePlanned future price: $444
Founding Cohort PricePlanned future price: $4,444
Program terms and cancellation policy apply.
Founding Cohort PricePlanned future price: $6,666
Cruise fare, flights, travel insurance and personal travel expenses are booked and paid separately.
$222 brings you into the community.
$2,222 takes you into the transformation.
$3,333 brings you into my private world — direct 1:1 access to me, private WhatsApp access, and hands-on support to build what comes next.
Every participant is responsible for making their own way to the cruise and completing the cruise provider's check-in and embarkation requirements. There is no in-person pre-cruise meeting in Fort Lauderdale, Florida.
Quick answers: Is the cruise fare included? · Cancellation & refunds · Can I bring a partner? · Read all questions →
The cruise is where we begin.
Come for seven days. Build for the next twelve months. It's a Caribbean holiday with a mastermind woven through it — enough structure to create change, enough freedom to enjoy the voyage.
Whether you want to join the experience, step into the deeper Inner Circle, or work privately with Monika, there is a place for you.
This is the first Think & Cruise Rich cohort. Founding Members receive special introductory pricing for this first experience. Current Founding Cohort pricing applies to this first event only. Future event pricing is planned at approximately double the current rates.
Founding Cohort PricePlanned future price: $444
Join the experience · Be part of the Founding Cohort · Small group experience · Maximum 10 people
This is for someone who wants to be part of the Cruise Rich community and curated onboard experience without joining the full mentorship program.
The cruise gives you the destination. Cruise Rich gives you the people, conversations and momentum.
Cruise fare and travel are booked separately.
Founding Cohort PricePlanned future price: $4,444
Deeper mentorship · Mastermind access · Coaching · Implementation · Greater access to Monika · Only 3 people
Everything in the Think & Cruise Rich Experience, plus a deeper Inner Circle experience combining the Think and Grow Rich mentorship, personal coaching, implementation, accountability and a highly curated private environment.
$222 brings you into the community.
$2,222 takes you into the transformation.
Founding Cohort PricePlanned future price: $6,666
Work With Monika 1:1 · Private WhatsApp access · Private implementation time during the cruise
$3,333 brings you into my private world — direct 1:1 access to me, private WhatsApp access, and hands-on support to build what comes next.
This is for someone who wants more than inspiration and a plan. You get everything included in the $2,222 Inner Circle, plus private 1:1 implementation work with Monika during the cruise.
This is the highest level of access.
As a Private VIP member, you receive direct 1:1 access to me throughout the experience, including a private WhatsApp channel where you can message me 24/7.
Ask questions. Share ideas. Send me what you are working on. Get feedback. Talk through decisions. Work through mindset blocks. Move your business, website, personal brand or book forward without waiting for the next scheduled group call.
You are not simply joining my program. You are working directly with me.
We can work together directly on:
Work on:
Work together to:
Bring your message, business, website and book together into one clear direction.
If creating a book is part of your next chapter, I will work with you directly through the full process. This can include:
The aim is not simply to talk about writing a book.
We work together to create it and move it through the publishing process.
The exact amount completed during the cruise will depend on your starting point, preparation and the complexity of the book, but your VIP support continues beyond the cruise as part of the agreed program.
This is private implementation time.
You bring your idea, your business, your message or your book.
We work on it together.
Cruise fare, flights, travel insurance and personal travel expenses are booked and paid separately.
Not sure which experience is right for you?
Talk to Monika
I keep meeting people who have the information, the inspiration, even the idea already half-formed — and still can't find the time or distance to actually move it forward. Life at home doesn't pause long enough.
So I built the thing I kept wishing existed: seven days away from the ordinary pull of email and errands, spent with a small group of people also standing at the edge of something new, followed by twelve months of the structure and support designed to turn a good week into a life-changing experience.
That's Think and Cruise Rich. Come think with us.
You may be the leader, parent, business owner, creator or problem-solver. The one who keeps everything moving. Your own dreams can become the easiest thing to postpone.
This voyage is an invitation to give your future a little more attention. You do not have to justify wanting a more intentional life.
Yes — I'm Choosing Growth →Space for gratitude. Space for rest. Space to rethink your goals. Space to enjoy yourself without turning every moment into another task.
Let yourself reflect. Let yourself explore. Take what matters home.
Not a schedule. A shape for how the days tend to go.
Coffee on deck, the ocean still pink. Nobody's rushing anywhere yet.
The Founding Group gathers for the day's mastermind session — an hour or two of real thinking, not a lecture.
Lunch runs long because the conversation does. Someone you just met says something that stays with you.
The pool, the spa, a nap, a port to explore — entirely yours, unscheduled.
Dinner with people who are also mid-way through reinventing something. Then the theater, or the deck, or just quiet.
You came here to think differently because, for once, you're somewhere that lets you.
Seven nights roundtrip from Fort Lauderdale, Florida — three sea days for the mastermind, three Western Caribbean destinations that remain largely yours to enjoy.
Fort Lauderdale. Board, settle in, and meet the Founding Group onboard — in person, for the first time.
Vision. Definite Major Purpose. Identity. Possibility. Decision.
What do I actually want to build next?
The mastermind principle, in practice: new perspective, ideas, connection and collaboration with people thinking beyond their usual environment.
Holiday. Explore. Eat. Swim. Rest. Adventure. Talk. Think. No heavy seminar schedule — the destination isn't decoration, it's part of the experience.
Turquoise water, reef life, a slow island pace.
Jungle, caves, Maya history, wildlife.
Crystal-clear water, colorful reefs, beautiful beaches and Mayan heritage.
Organized Planning. A 30-day plan. Your next chapter. Accountability. A closing celebration together.
The ship returns to Fort Lauderdale. The program continues.
Cruise provider, ship and booking instructions are shared privately after you join Cruise Rich or are accepted into the Think & Cruise Rich Inner Circle. Itinerary is subject to change by the cruise operator.
This is not a mastermind in an ordinary conference room. For seven nights, a new-generation ship becomes the setting for thinking, connecting, dining, relaxing and creating what comes next. Contemporary ocean spaces, elevated dining, wellness, entertainment and quieter places for reflection create the kind of environment that helps you step outside everyday life and see your next chapter differently.
Panoramic sea views, open decks and contemporary spaces create room to think, talk and slow down.
A wide choice of dining experiences makes shared meals part of the relationship-building experience.
Spa, movement, pools and quieter spaces create time to reset physically as well as mentally.
Live entertainment, evening experiences and plenty of unstructured time mean this remains a genuine Caribbean holiday.
The program creates the thinking.
The people create the connections.
The ship creates the environment.
The conversations on board are built around two timeless books on purpose, thought and action. Read them before November or discover them together — either way, the aim is the same: to turn ideas into decisions.
The classic on definite purpose, desire, faith, persistence and the power of the Mastermind. Inner Circle members also receive the official Napoleon Hill Institute mentorship program built around it.
A short, practical classic on thinking in a certain way, gratitude, creating rather than competing, and acting in a certain way — a companion for turning vision into daily action.
This is not a get-rich-quick promise. It is an invitation to study, reflect, create value and act with intention.
Inner Circle ($2,222) and Private VIP ($3,333) · the $222 Experience includes the shared Mastermind at Sea
We meet when the ship is at sea. Port days remain largely yours — this was never designed to feel like a seven-day seminar.
Definite Major Purpose, vision, identity, possibility and decision. We begin by naming what matters next.
The mastermind principle in practice: new perspectives, collaboration and conversation with people thinking beyond their usual environment.
Organized Planning, your next chapter, a publishing pathway where relevant, and a focused 30-day implementation plan.
Special guest conversations may be announced for the Founding Voyage. Any confirmed guest will be shared here in advance.
Outside the key mastermind sessions and private member moments, the voyage is yours — ocean views, dining, wellness, entertainment, quiet spaces and time to enjoy a new-generation ship.
Join the key sessions and Founding Member moments. Everything else is yours to experience.
Included in all three packages
One evening. One table. Meaningful conversations.
The Signature Cruise Rich Networking Dinner brings the community together for a deliberately social evening of connection, introductions and conversation.
It is an opportunity to share what you do, what you are building, who you would like to meet and where meaningful collaborations might begin.
This is not formal networking with name badges and pitches. It is about genuine conversations and relationships in a beautiful setting at sea.
Any additional dining charges imposed by the cruise line are paid separately by the participant.
Inner Circle ($2,222) and Private VIP ($3,333)
You aren't applying for a cabin. You're applying for one of only 3 places in the Think & Cruise Rich Inner Circle — a small, curated group at the heart of the deeper mentorship experience.
The Think & Cruise Rich Inner Circle is intentionally limited to just 3 members so the deeper mastermind, coaching and mentorship experience remains personal, conversational and genuinely connected.
Your preparation before travel is digital: welcome information, private-community introduction and a first pass at your Definite Major Purpose. Everyone arranges their own travel to Fort Lauderdale. The Founding Group meets in person for the first time onboard.
A private Founding Member community connects the group before the voyage, throughout it, and afterwards — a place to share progress, stay accountable and keep the relationships that begin at sea.
3 Inner Circle places are available, chosen with care, because the people in the room shape the experience as much as the program does. Each Inner Circle member may bring one partner or travel companion to share their cabin, but companions are not counted among the 3 Inner Circle places and do not automatically receive program benefits.
Inner Circle ($2,222) and Private VIP ($3,333) · not part of the $222 Experience
Founding Members receive access to the same core 12-month mentorship journey used in Monika's established program: the official Think and Grow Rich Mentorship Digital Program from the Napoleon Hill Institute, with 17 on-demand training modules taught by NHI Principal Teachers, supported by Monika's personal coaching and facilitation.
1.5 months. Self-image, self-discipline, Thoughts Are Things and outwitting the six ghosts of fear.
2 months. Desire, Imagination, The Brain and Decision — getting clear on a Definite Major Purpose.
2.5 months. Faith, Persistence, Autosuggestion, Sixth Sense and the Subconscious Mind.
2 months. Organized Planning, Specialized Knowledge, Mastermind and purposeful action.
4 months. Return, integrate, repeat and apply the principles again from a stronger self-image.
More detail on the Think and Grow Rich mentorship program itself is available at beyourfutureself.com.
These resources are part of the wider mentorship journey and help turn ideas into repeated practice.
The official program gives you the principles. The voyage gives you the environment to think differently. Personal coaching helps you apply both.
Think and Cruise Rich™ is independently hosted by Monika. The official licensed Napoleon Hill Institute mentorship program is included as one component of the Founding Member package; the cruise itself is not operated by NHI.
Months of monthly personal 1:1 coaching with Monika — 60 minutes per session during the first six months of your mentorship journey.
The official program gives you the principles. The voyage gives you space to think. The mastermind gives you perspective. Your 1:1 sessions help you apply it to your actual life, work, business, book or next chapter.
Optional pathway: Inner Circle ($2,222) · Complete book creation & publishing support: Private VIP ($3,333)
Some Founding Members will leave with a business plan. Some with a new service. Some with a career change already in motion. And some will finally move the book they've been thinking about toward publication.
A well-published book can become an authority asset, a doorway to speaking, or simply a way to put a body of work into the world. Lighthouse Shine Publishing brings that pathway into the program.
Participants requiring broader editorial, design, launch or publishing services may discuss separate Lighthouse Shine Publishing options directly with Monika.
30-Day Self-Discipline Camp & Reunion: all packages · 30-day plan, coaching & accountability: Inner Circle and Private VIP
Twelve months isn't a figure on the page — it's a shape. Here's what it looks like.
Online welcome information, an introduction to the private community and your first pass at a Definite Major Purpose. Your first in-person group meeting happens onboard.
Three mastermind days at sea, held between the destinations and the rest of the voyage.
The plan you built on the final sea day, put into motion at home.
Personal implementation support, month by month.
Full access to the official Napoleon Hill Institute program, and the private Founding Member community, throughout.
The cruise creates the environment for the decision. The months that follow are where the decision becomes a life or business change.
Entrepreneurs, coaches, consultants, professionals, authors and aspiring authors, leaders and people simply ready for what's next. Being "rich" here isn't only about money — it can mean purpose, relationships, health, freedom, ideas or contribution, alongside financial wellbeing.
Rich can mean more than money. It does not have to mean less than money.
What connects us is not a job title. It is curiosity about growth, prosperity, purpose, freedom and a more intentional life.
MONIKA WITH CLIONA O'HARACEO · THE NAPOLEON HILL INSTITUTE
Monika's work sits at the intersection of human potential, structured thinking, implementation and bringing meaningful ideas into the world. A scientific background trained her to test ideas rather than simply believe them; certification as a Napoleon Hill Institute coach gave her a framework for turning that thinking into deliberate action; and building Lighthouse Shine Publishing showed her how often a person's next chapter is, quite literally, a book they haven't written yet.
Think and Cruise Rich brings those threads together in one small, application-based group. The aim isn't to fill a ship with strangers — it's to curate a group of people who contribute to the experience, support one another, and keep building long after the voyage ends.
Come for seven days. Build for the next twelve months.
Think & Cruise Rich is one way we can work together.
If you would like to explore my other programs, publishing services and opportunities, visit Lighthouse Shine.
Explore More OffersNo. Both Think and Cruise Rich fees are separate from the cruise fare, accommodation and travel. Cruise accommodation and travel are booked separately by each participant.
The $222 Think & Cruise Rich Experience brings you into the community: the private WhatsApp group, the Signature Networking Dinner, a Mastermind at Sea, and the 30-Day Self-Discipline Camp and Reunion Mastermind afterwards — limited to 10 people. The $2,222 Inner Circle adds the three deeper sea-day masterminds, the official Napoleon Hill Institute Think and Grow Rich mentorship, six monthly 1:1 coaching sessions with Monika and a personal 30-Day Implementation Plan — only 3 places. The $3,333 Private VIP Experience includes everything in the Inner Circle, plus private 1:1 implementation time with Monika during the cruise and private WhatsApp access — limited to one person only.
Absolutely — both books are widely available, and you're welcome to read them. What the voyage adds is a changed environment, conversations with other thoughtful people and dedicated time to reflect and decide. You are joining for the community, the conversations and the support around the ideas, not for access to the books themselves.
No. Whether you know both books well or haven't started either, you are welcome. There is no required reading. If you would like to prepare, you can read either book before November, but it is entirely optional.
This first voyage is a pilot/founding edition. The combined program value is stated at over $10,000 — including the NHI mentorship, workbook, private coaching, masterminds, goody bag and Inner Circle support — but the inaugural group is being offered a one-time Inner Circle investment of $2,222 while Monika personally develops and refines the first Think and Cruise Rich experience. Future voyages are expected to be priced higher.
The $222 Cruise Rich Community fee and the $2,222 Inner Circle fee are both independent of your separately booked cruise and travel, which are subject to the cruise provider's own cancellation and refund policy. For the Think and Cruise Rich program fee, cancellation eligibility depends on when you cancel, what program services have already been provided, and whether your individual Napoleon Hill Institute program access has already been purchased or activated. Once third-party program costs and services have been committed, the amount available for refund may be reduced. Where possible, we may also consider an approved transfer to another suitable person or credit toward a future Think and Cruise Rich experience. Your statutory consumer rights are not affected. Read the full Cancellation, Refund & Transfer Policy →
Flights, cruise fare, insurance, transfers, hotels before or after the voyage, excursions and personal expenses are separate unless specifically confirmed otherwise.
The Founding Voyage takes place aboard a new-generation ship, with contemporary public spaces, extensive dining, wellness facilities, entertainment, pools, ocean terraces and quieter areas for reflection and conversation.
The ship is not simply transportation to the Caribbean — it is part of the environment chosen for the Think and Cruise Rich experience.
Because the environment matters. We wanted a voyage that offered the quality, space and atmosphere to feel like a genuine escape from everyday life — with beautiful ocean settings, elevated dining, wellness, entertainment and quieter spaces for meaningful conversation and reflection.
The itinerary also gives us three sea days, allowing the deeper mastermind sessions to take place without taking away from the Caribbean destinations.
After you join Cruise Rich or are accepted into the Think & Cruise Rich Inner Circle, you will receive the cruise provider, ship, sailing and booking instructions privately.
Cruise accommodation and travel are booked and paid separately by each participant. The Think and Cruise Rich program fee does not include the cruise fare.
No. The mastermind is concentrated on the three sea days and select Founding Member moments. Port days and much of the voyage remain free for you to enjoy.
No. Any preparation before the voyage is online/digital only. Each participant arranges their own travel to the cruise terminal and the Founding Group meets in person for the first time onboard.
Yes. A Founding Member may bring one partner or travel companion to share their cabin at no additional Think and Cruise Rich™ program fee. Your companion will need to be included in your separate cruise booking, and you are responsible for any cruise fare, taxes, gratuities, travel and other costs associated with their reservation. They can enjoy the cruise and destinations with you, but the Think and Cruise Rich™ mastermind, NHI mentorship program, coaching, private community and publishing support are included for the accepted Founding Member only.
No. Manuscript writing and ghostwriting are not included. Support focuses on formatting and the publication process for a completed manuscript.
No. Think and Cruise Rich is an independently hosted experience. The official licensed Napoleon Hill Institute mentorship program is included as one component of the Founding Member package.
No. No financial, business, personal or other outcome is guaranteed. Think and Cruise Rich is an educational and personal-development experience built around study, reflection, conversation and action. What you gain depends on your circumstances, your effort and the choices you make.
Only 3. The Think & Cruise Rich Inner Circle is intentionally limited to 3 members so the deeper mastermind, coaching and mentorship experience stays personal, conversational and genuinely connected. The $222 Think & Cruise Rich Experience is a small group, limited to 10 people.
Yes. The Private VIP Experience ($3,333) is limited to one person only, because it is built around private 1:1 implementation time with Monika during the cruise. It includes everything in the $2,222 Inner Circle.
Not at this stage. Special guest conversations may be announced for the Founding Voyage, and any confirmed guest will be shared here in advance.
Come for the Caribbean. Stay curious for the ideas, the conversations and the possibilities you choose to explore.
Your next chapter doesn't have to look like the last one.
If you would like Monika to review your goals and help determine whether the Inner Circle is the right fit, you are welcome to apply below. If you already know you are ready to join, you can enroll directly.
Applications are reviewed personally. You will hear back directly from Monika.
Enroll in the Inner Circle — $2,222
Every Inner Circle member receives a personal welcome conversation with Monika after enrollment.
Prefer to talk first? A genuine conversation about where you are and what this voyage could mean for you, so you can decide together whether it's the right next step.
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