When you say "I am," the words that follow are summoning creation with a mighty force, because you are declaring it to be fact.

You will attract everything that you require. If it’s money you need you will attract it. If it’s people you need you’ll attract it. You’ve got to pay attention to what you’re attracted to, because as you hold images of what you want, you’re going to be attracted to things and they’re going to be attracted to you. But it literally moves into physical reality with and through you. And it does that by law. (Bob Proctor)

Your joy lies within you.

Love is appreciating, complimenting, feeling gratitude, and speaking good words to others.

we attract what is happening in our lives

Whatever you believe about your body, your cells believe too. They don't question anything you think, feel, or believe. In fact, they hear every thought, feeling, and belief you have.

If you have "needing money" in your vibration, then you will keep attracting needing money. You have to find a way of being happy NOW, feeling good NOW, and being in joy NOW, without the money, because those great feelings are how you will feel with the money. Money doesn't bring happiness - but HAPPINESS BRINGS MONEY.