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There is in your own mind and it does not affect anyone else's own mind. When each decides morality for himself then the word is a meaningless sound because there is no norm by which any one person can expect another to act. Even your morality derives directly from religion. Your ideas that there is anything such as morality derives from the religious underpinning of the society in which you live.

Capitalism was invented by the Jews in Europe in the Middle Ages and was only possible because of Jewish morality which permitted them to trust each other because the fact of being Jews gave them the knowledge that certain behaviour could be expected. If they had to rely on each man deciding his own morality it would never have happened. Trade would have remained primitive. The Christians were able to follow the Capitalist path the Jews opened up because they understood and believed in the same morality because it derived from the same ultimate source. It was promulgated by an outside source that was trusted itself, to wit, God. It is happening in Asia now. In Viet Nam the Catholics were the businessmen because Christians can trust other Christians who are not co-familial. The Buđhists saw the benefits and learned to follow suit, by adopting the Other-derived morality of the Christians and the country is developing fast. Korea, that business miracle of the modern Age brings it from that same Christian background which has been strong in that country for centuries.

There is in your own mind and it does not affect anyone else's own mind.

If you really believe this, you don't understand people or human communication at all.

When each decides morality for himself then the word is a meaningless sound because there is no norm by which any one person can expect another to act.

Human beings agree on norms of behavior needed for the societies they live in to work. They do this through a wondrous mechanism known as communication. Through this mechanism, which even animals use to a lesser degree, people are taught accepted standards of behavior by other people, usually from a very young age. Through communication, people are also able to adjust their definitions of right and wrong as needed - for instance, human slavery which was apparently acceptable in the times written about in the Old Testament, is now not considered acceptable.