Getdown
Secrets of the
Millionaire
Mind
Mastering the Inner
Game of Wealth
T.HarvEker
This book is dedicated to my family:
my loving wife, Rochelle,my
amazing daughter,Madison,and my
awesome son,Jesse
CONTENTS
“Who the Heck Is T. Harv
Eker, andWhyShould I
ReadThis Book?”
1
PARTONE
YourMoneyBlueprint
9
PART TW O
TheWealthFiles
SeventeenWaysRichPeopleThinkand
ActDifferentlyfromPoorandMiddleClassPeople
49
“SoWhattheHeck DoIDo
Now?”
189
Special Bonus
Offer193Share
theWealth197
RecommendedResources199
Index203
Acknowledgme
nts About the
Author Credits
Cover
Copyri
ght
About the Publisher
“Who theHeck
IsT.HarvEker,andWhyShould
IReadThisBook?”
P
eopleareshocked,atthebeginningofmyseminars,when one
of the first things I tell them is “Don’t believe a word
Isay.” Why would I suggest that? Because I can only
speakfrommyownexperience.Noneoftheconceptsandinsigh
tsIshareareinherentlytrueorfalse,rightorwrong.Theysimply
reflect my own results, and the amazing results I’ve seen in
thelivesofthousandsandthousandsofmystudents.Havingsai
dthat,however,Ibelievethatifyouusetheprinciplesyoulearni
n this book, you will totally transform your life. Don’t
justreadthisbook.Studyitasifyourlifedependedonit.Thentry
the principles out for yourself. Whatever works, keep
doing.Whateverdoesn’t,you’rewelcometothrowaway.
IknowImaybebiased,butwhenitcomestomoney,this
may be the most important book you have ever read. I understand that’s a bold statement, but the fact is, this
bookprovidesthemissinglinkbetweenyourdesireforsuccess
2-SecretsoftheMillionaireMind
and your achievement of success. As you’ve probably
foundoutbynow,thosearetwodifferentworlds.
No doubt you’ve read other books, listened to tapes
orCDs, gone to courses, and learned about numerous getrichsystems be they in real estate, stocks, or business. But
whathappened?Formostpeople,notmuch!Theygetashortbla
stofenergy,andthenit’sbacktothestatusquo.
Finally, there’s an answer. It’s simple, it’s law, and
you’renot going to circumvent it. It all comes down to
this: if yoursubconscious “financial blueprint” is not “set”
for
success,nothingyoulearn,nothingyouknow,andnothingyou
dowillmakemuchofadifference.
In the pages of this book, we will demystify for you
whysomepeoplearedestinedtoberichandothersaredestinedf
ora life of struggle. You will understand the root causes
ofsuccess, mediocrity, or financial failure and begin
changingyour financial future for the better. You will
understand howchildhood influences shape our financial
blueprint and howthese influences can lead to self-defeating
thoughts and habits.You will experience powerful
declarations that will help youreplace your nonsupportive
ways of thinking with mental“wealth files” so that you
think—and succeed—just as richpeople do. You will also
learn
practical,
step-by-step
strategiesforincreasingyourincomeandbuildingwealth.
In Part I of this book, we will explain how each of us
isconditioned to think and act when it comes to money,
andoutline four key strategies for revising our mental
moneyblueprint.InPartII,weexaminethedifferencesbetwee
nhowrich,middleclass,andpoorpeoplethink,andprovideseventeen attitudes
and actions to take that will lead to permanentchangesinyourfinanciallife.Throughoutthebook
“WhotheHeckIsT.HarvEker,andWhyShouldIReadThisBook?”-3
we also share just a few examples of the thousands of
lettersand e-mails I’ve received from students who have
attended theMillionaire Mind Intensive Seminar and
achieved powerfulresultsintheirlives.
So what is my experience? Where am I coming from? Was
Ialwayssuccessful?Iwish!
Likemanyofyou,Isupposedlyhadalotof“potential”buthad
littletoshowforit.Ireadallthebooks,listenedtoallthetapes,an
dwenttoalltheseminars.Ireally,really,reallywantedtobesucc
essful.Idon’tknowwhetheritwasforthemoney,thefreedom,t
hesenseofachievement,orjusttoproveIwasgoodenoughinmyp
arents’eyes,butIwasalmostobsessedwithbecominga“success
.”Duringmytwenties,Istartedseveraldifferentbusinesses,ea
chwiththedreamofmakingmyfortune,butmyresultswentfromd
ismaltoworse.Iworkedmybuttoffbutkeptcomingupshort.Iha
d“LochNessmonsterdisease”:Ihadheardofthisthingcalledpr
ofit, I just never saw anyof it. Ikeptthinking, “If I just
getintotherightbusiness,getontherighthorse,I’llmakeit.”But
Iwaswrong.Nothingwasworking...atleastforme.Anditwasthela
stpartofthatsentencethatfinallystruckme.Howcomeothersw
eresucceedingintheexactsamebusinessIwasinand
Iwasstillbroke?Whathappenedto“Mr.Potential”?
So I began doing some serious soul-searching. I
examinedmytruebeliefsandsawthateventhoughIsaidIreally
wantedto be rich, I had some deep-rooted worries about it.
Mostly
Iwasafraid.AfraidthatImightfail,orworse,succeedandthens
omehow lose it all. Then I’d really be a schmuck. Worse,
IwouldblowtheonethingIhadgoingfor
4-SecretsoftheMillionaireMind
me:my“story”thatIhadallthis“potential.”WhatifIfoundout I
didn’t have what it took and I was destined to a life
ofstruggle?
Then, as luck would have it, I got some advice from
anextremely rich friend of my father’s. He was at my
parents’house playing cards with the “boys” and, in passing,
noticedme. This was the third time I’d moved back home,
and I wasliving in the “lower-level suite,” otherwise known
as thebasement. I suppose my dad had complained to him of
mywoeful existence because when he saw me, he had the
sym-pathy inhiseyesusuallyreservedforthebereavedata funeral.
He said, “Harv, I started in the same way as you, a
completedisaster.” Great, I thought, this was making me feel
a lotbetter. I should let him know that I was busy...watch-ing
thepaintpeeloffthewall.
He kept going: “But then I got some advice that
changedmylife,andI’dliketopassitontoyou.”Oh,no,herecomes
thefather-sonlecture,andhe’snotevenmyfather!Finallyhecame
out with it: “Harv, if you’re not doing as well as you’dlike,
all that means is there’s something you don’t know.”Being a
brash young man at the time, I thought I knew prettywell
everything, but alas, my bank account said
somethingdifferent.SoIfinallybegantolisten.Hecontinued,“Di
dyouknowthatmostrichpeoplethinkinverysimilarways?”
I said, “No, I never really considered that.” To which
hereplied, “It’s not an exact science, but for the most part,
richpeoplethinkacertainwayandpoorpeoplethinkacompletely
different way, and those ways of thinking determine
theiractionsandthereforedeterminetheirresults.”Hewenton,“If
youthoughtthewayrichpeopledoanddidwhat
“WhotheHeckIsT.HarvEker,andWhyShouldIReadThisBook?”-5
richpeopledo,doyoubelieveyoucouldbecomerichtoo?”Ireme
mberansweringwithalltheconfidenceofamushball,“Ithinkso.”
“Then,”hereplied,“allyouhavetodoiscopyhowrichpeoplethink
.”
BeingtheskepticIwasatthetime,Isaid,“Sowhatareyouthinki
ng right now?” To which he replied, “I’m thinking thatrich
people keep their commitments and mine is to your
dadrightnow.Theguysarewaitingforme,seeya.”Althoughhewa
lkedout,whathesaidsankin.
Nothing else was working in my life, so I figured what
theheck and threw myself wholeheartedly into studying
richpeopleandhowtheythink.IlearnedeverythingIcouldaboutt
heinnerworkingsofthemind,butconcentratedprimarilyontheps
ychologyofmoneyandsuccess.Idiscoveredthatitwastrue: rich
people really do think differently from poor and evenmiddleclass people. Eventually, I became aware of how
myownthoughtswereholdingmebackfromwealth.Moreimport
ant, I learned several powerful techniques and strategiesto
actually recondition my mind so that I would think in
thesamewaysrichpeopledo.
Finally, I said, “Enough yakking about it, let’s put it to
thetest.”Idecidedtoattemptyetanotherbusiness.BecauseIwasre
ally into health and exercise, I opened one of the first
retailfitnessstoresinNorthAmerica.Ididn’thaveanymoney,soI
had to borrow $2,000 on my Visa card to get the
businessstarted. I began using what I’d learned by modeling
richpeople, both in terms of their business strategies and
theirthinking strategies. The first thing I did was commit to
mysuccess and playing to win. I swore I would focus and
notevenconsiderleavingthisbusinessuntilIwasamillionaireorm
ore. this was radically different from my previous
efforts,where,becauseIalwaysthoughtshort-term,Iwould
6-SecretsoftheMillionaireMind
constantly get sidetracked by either good opportunities
orwhenthingsgottough.
I also began challenging my mental approach whenever
Ibegan
thinking
in
financially
negative
or
counterproductiveways.Inthepast,Ibelievedthatwhatmyminds
aidwastruth.I learned that in many ways, my mind was my
biggest obstacleto success. I chose not to entertain thoughts
that
did
notempowermetowardmyvisionofwealth.Iusedeveryoneofthe
principlesyouaregoingtolearninthisbook.Diditwork?Boy,didi
twork!
The business was so successful that I opened ten stores
inonlytwoandahalfyears.IthensoldhalfthecompanysharestoaF
ortune500companyfor$1.6million.
After that, I moved to sunny San Diego. I took a couple
ofyears off to refine my strategies and began doing one-ononebusiness consulting. I presume it was quite effective for
peoplebecausetheykeptbringingfriends,partners,andassociates
toour sessions. Soon I was coaching ten and sometimes
twentypeopleatatime.
OneofmyclientssuggestedthatImightaswellopenupaschool.
Ithoughtthatwasagreatidea,soIdid.IfoundedtheStreetSmartBu
sinessSchoolandtaughtthousandsofpeopleall across North
America “street-smart” business strategies for“highspeed”success.
As I traveled across the continent giving my seminars,
Inoticedsomethingstrange:Youcouldhavetwopeoplesittingsid
e by side in exactly the same room, learning exactly thesame
principles and strategies. One person would take thesetools
and skyrocket to success. But what do you think
mighthappen to the person sitting right next to him or her?
Theansweris,notmuch!
That’swhenitbecameobviousthatyoucanhavethe
“WhotheHeckIsT.HarvEker,andWhyShouldIReadThisBook?”-7
greatest “tools” in the world, but if you’ve got a tiny leak
inyour “toolbox” (I’m pointing to my head right now),
you’vegotaproblem.SoIdesignedaprogramcalledtheMillionai
reMindIntensivebasedontheinnergameofmoneyandsuccess.
When I combined the inner game (the toolbox) withthe outer
game (the tools), virtually everybody’s results wentthrough
the roof! So that’s what you’re going to learn in thisbook:
how to master the inner game of money to win
thegameofmoney—howtothinkrichtogetrich!
People often ask me whether my success was a “oneshotdeal” or whether it has continued. Let me put it this
way:UsingtheexactprinciplesIteach,Ihavenowearnedmillions
and millions of dollars and am a multimultimillionaire
severaltimes over. Virtually all my investments and business
venturesseem to skyrocket! Some people tell me I have the
“Midastouch,” where everything I get involved in turns to
gold.They’re right, but what they may not realize is that
having
aMidastouchissimplyanotherwayofsaying,havinga“financial
blueprint” set for success, which is exactly what
youwillhaveonceyoulearntheseprinciplesanddothiswork.
Early on during our Millionaire Mind Intensive Seminar,
Igenerally ask the audience, “How many of you came here
tolearn?” It’s a bit of a trick question because as author
JoshBillings said, “It’s not what we don’t know that prevents
usfrom succeeding; it’s what we know that just ain’t so that is
ourgreatestobstacle.”Thisbookisnotasmuchaboutlearningasit
is about “unlearning”! It is essential you recognize how
youroldwaysofthinkingandactinghavegottenyouexactlywhere
youarerightnow.
Ifyou’rereallyrichandreallyhappy,fine.Butifyou’renot,Iinvite
youtoconsidersomepossibilitiesthatmaynot
8-SecretsoftheMillionaireMind
fitintoyour“box”ofwhatyoucurrentlythinkisrightorevenappro
priateforyou.
EventhoughIsuggestthatyou“don’tbelieveawordIsay”and
want you to test these concepts out in your own life,
I’mgoing to ask you to trust the ideas you are reading.
Notbecause you know me personally, but because thousands
andthousands of people have already changed their lives as a
resultoftheprinciplesinthisbook.
Speaking of trust, it reminds me of one of my favorite stories.It’saboutamanwhoiswalkingalongacliffandallofasudden
loses his balance, slips, and falls off. Fortunately, hehas the
presence of mind to grab on to the ledge, and he’shanging
there for dear life. He hangs and hangs and finallyyells out,
“Is there anybody up there who can help me?”There’s no
answer. He keeps calling and calling, “Is thereanybody up
there who can help me?” Finally this big bellowingvoice calls
back, “This is God. I can help you. Just let go andtrust.”
Next thing you hear: “Is there anybody else up
therewhocanhelpme?”
Thelessonissimple.Ifyouwanttomovetoahigherlevelof life,
you have to be willing to let go of some of your oldways of
thinking and being and adopt new ones. The
resultswilleventuallyspeakforthemselves.
PARTONE
YourMoneyBlueprint
W
eliveinaworldofduality:upanddown,lightanddark, hot and
cold, in and out, fast and slow, right and left.
Thesearebutafewexamplesofthethousandsofoppositepoles.Fo
rone pole to exist, the other pole must also exist. Is it
possibletohavearightsidewithoutaleftside?Notachance.
Consequently,justasthereare“outer”lawsofmoney,there
must be “inner” laws. The outer laws include things
likebusiness knowledge, money management, and
investmentstrategies. These are essential. But the inner game
is just asimportant. An analogy would be a carpenter and his
tools.Having top-of-the-line tools is imperative, but being
the
topnotchcarpenterwhomasterfullyusesthosetoolsisevenmorecriti
cal.
I have a saying: “It’s not enough to be in the right place
atthe right time. You have to be the right person in the right
placeattherighttime.”
Sowhoareyou?Howdoyouthink?Whatareyourbeliefs?What
areyourhabitsandtraits?Howdoyoureallyfeelaboutyourself ?
How confident are you in yourself ? How well
doyourelatetoothers?Howmuchdoyoutrustothers?
10-SecretsoftheMillionaireMind
Do you truly feel that you deserve wealth? What is your
abilityto act in spite of fear, in spite of worry, in spite of
inconvenience,inspiteofdiscomfort?Canyouactwhenyou’renotinthe
mood?
The fact is that your character, your thinking, and
yourbeliefs are a critical part of what determines the level of
yoursuccess.
One of my favorite authors, Stuart Wilde, puts it this
way:“Thekeytosuccessistoraiseyourownenergy;whenyoudo,
peoplewillnaturallybeattractedtoyou.Andwhentheyshowup,bi
ll’em!”
WEALTHPRINCIPLE:
Yourincomecangrowonlytothe extent you do!
WhyIsYourMoneyBlueprintImportant?
Have you heard of people who have “blown up”
financially?Have you noticed how some people have a lot of
money
andthenloseit,orhaveexcellentopportunitiesstartwellbuttheng
o sour on them? Now you know the real cause. On
theoutside it looks like bad luck, a downturn in the economy,
alousy partner, whatever. On the inside, however, it’s
anothermatter. That’s why, if you come into big money
when
you’renotreadyforitontheinside,thechancesareyourwealthwill
beshort-livedandyouwillloseit.
Thevastmajorityofpeoplesimplydonothavetheinternalcapa
citytocreateandholdontolargeamountsofmoneyandtheincreas
edchallengesthatgowithmore
YourMoneyBlueprint-11
money and success. That, my friends, is the primary
reasontheydon’thavemuchmoney.
A perfect example is lottery winners. Research has
shownagain and again that regardless of the size of their
winnings,most lottery winners eventually return to their
original fi-nancialstate,theamounttheycancomfortablyhandle.
On the other hand, the opposite occurs for self-made millionaires. Notice that when self-made millionaires lose
theirmoney, they usually have it back within a relatively short
time.DonaldTrumpisagoodexample.Trumpwasworthbillions,
losteverything,andthenacoupleofyearslater,gotitallbackagain
andmore.
Why does this phenomenon occur? Because even
thoughsome self-made millionaires may lose their money, they
neverlosethemostimportantingredienttotheirsuccess:theirmilli
onaire mind. Of course in “The Donald” ’s case, it’s
his“billionaire”mind.DoyourealizeDonaldTrumpcouldnever
bejustamillionaire?IfDonaldTrumphadanetworthofonly
1milliondollars,howdoyouthinkhe’dfeelabouthisfinancial
success?
Most
people
would
agree
that
he’d
probablyfeelbroke,likeafinancialfailure!
That’s because Donald Trump’s financial “thermostat”
isset for billions, not millions. Most people’s financial
thermo-stats are set for generating thousands, not millions of
dollars;some people’s financial thermostats are set for
generatinghundreds, not even thousands; and some people’s
financialthermostats are set for below zero. They’re frickin’
freezingandtheydon’thaveaclueastowhy!
The reality is that most people do not reach their full potential. Most people are not successful. Research shows that
80percentofindividualswillneverbefinanciallyfreeinthe
12-SecretsoftheMillionaireMind
way they’d like to be, and 80 percent will never claim to
betrulyhappy.
The reason is simple. Most people are unconscious.
Theyare a little asleep at the wheel. They work and think on
a
su-perficialleveloflife—
basedonlyonwhattheycansee.Theylivestrictlyinthevisiblewor
ld.
TheRootsCreatetheFruits
Imagine a tree. Let’s suppose this tree represents the tree
oflife. On this tree there are fruits. In life, our fruits are
calledourresults.Sowelookatthefruits(ourresults)andwedon’tl
ike them; there aren’t enough of them, they’re too small,
ortheydon’ttastegood.
So what do we tend to do? Most of us put even more attention and focus on the fruits, our results. But what is it
thatactually creates those particular fruits? It’s the seeds and
therootsthatcreatethosefruits.
It’swhat’sunderthegroundthatcreateswhat’sabovethe
ground. It’s what’s invisible that creates what’s visible. So
whatdoesthatmean?Itmeansthatifyouwanttochangethefruits,y
ou will first have to change the roots. If you want to
changethevisible,youmustfirstchangetheinvisible.
WEALTHPRINCIPLE:
If you want to change the fruits, you will first have
tochange the roots. If you want to change the
visible,youmust first change the invisible.
Ofcourse,somesaythatseeingisbelieving.ThequestionIhave
forsuchpeopleis“Whydoyoubotherpayingyourelectricbill?”Althoughyoucannotseeelectricity,youcancer-
YourMoneyBlueprint-13
tainlyrecognizeanduseitspower.Ifyouhaveanydoubtastowhet
her it exists, just stick your finger in an electric
socket,andIguaranteethatyourdoubtswillquicklydisappear.
In my experience, what you cannot see in this world is
farmore powerful than anything you can see. You may or
maynotagreewiththisstatement,buttotheextentthatyoudonotap
plythisprincipleinyourlife,youmustbesuffering.Why?Because
you are going against the laws of nature, wherebywhat is
under the ground creates what is above the
ground,wherewhatisinvisiblecreateswhatisvisible.
As humans, we are a part of nature, not above it. Consequently, when we align with the laws of nature and work
onour roots—our “inner” world—our life flows smoothly.
Whenwedon’t,lifegetsrough.
In every forest, on every farm, in every orchard on earth,
it’swhat’sunderthegroundthatcreateswhat’sabovetheground.
That’s why placing your attention on the fruits that you
havealready grown is futile. You cannot change the fruits
that
arealreadyhangingonthetree.Youcan,however,changetomorr
ow’sfruits.Buttodoso,youwillhavetodigbelowthegroundandst
rengthentheroots.
TheFourQuadrants
One of the most important things you can ever understand
isthatwedonotliveononlyoneplaneofexistence.Welive
14-SecretsoftheMillionaireMind
in at least four different realms at once. These four
quadrantsarethephysicalworld,thementalworld,theemotional
world,andthespiritualworld.
Whatmostpeopleneverrealizeisthatthephysicalrealmismere
lya“printout”oftheotherthree.
For example, let’s suppose you’ve just written a letter
onyourcomputer.Youhittheprintkeyandthelettercomesoutof
your printer. You look at your hard copy, and lo
andbehold,youfindatypo.Soyoutakeoutyourtrustyeraserandru
b out the typo. Then you hit print again and out comes
thesametypo.
Ohmygosh,howcouldthisbe?Youjusterasedit!Sothistime
you get a bigger eraser and you rub even harder andlonger.
You even study a three-hundred-page manual
calledEffectiveErasing.Nowyou’vegotallthe“tools”andknowled
geyou need. You’re ready. You hit print and there it is again!
“Noway!” you cry out, stunned in amazement. “How could
thisbe?What’sgoingonhere?AmIinthetwilightzone?”
What’s going on here is that the real problem cannot
bechanged in the “printout,” the physical world; it can only
bechanged in the “program,” the mental, emotional, and
spiritualworlds.
Money is a result, wealth is a result, health is a result,
illnessisaresult,yourweightisaresult.Weliveinaworldofcausea
ndeffect.
WEALTHPRINCIPLE:
Money is a result, wealth is a result, health is a
result,illness is a result, your weight is a result. We
live in aworldof cause and effect.
YourMoneyBlueprint-15
Have you ever heard someone assert that a lack of
moneywas a bit of a problem? Now hear this: A lack of
money isnever, ever, ever a problem. A lack of money is
merely asymptomofwhatisgoingonunderneath.
Lack of money is the effect, but what is the root cause?
Itboilsdowntothis.Theonlywaytochangeyour“outer”worldisto
firstchangeyour“inner”world.
Whateverresultsyou’regetting,betheyrichorpoor,goodorba
d,positiveornegative,alwaysrememberthatyourouterworld is
simply a reflection of your inner world. If thingsaren’t going
well in your outer life, it’s because things
aren’tgoingwellinyourinnerlife.It’sthatsimple.
Declarations:APowerfulSecretforChange
Inmyseminarsweuse“acceleratedlearning”techniquesthatallo
w you to learn faster and remember more of what youlearn.
The key is “involvement.” Our approach follows
fromtheoldsaying“Whatyouhear,youforget;whatyousee,your
emember;whatyoudo,youunderstand.”
So I’m going to ask that every time you reach the end of
amajor principle in this book, you first put your hand on
yourheart,thenmakeaverbal“declaration,”thentouchyourhead
withyourindexfingerandmakeanotherverbal“declaration.”Wh
at’s a declaration? It’s simply a positive statement that
youmakeemphatically,outloud.
Why are declarations such a valuable tool? Because everything is made of one thing: energy. All energy travels in frequencies and vibrations. Therefore, each declaration you
makecarriesitsownvibrationalfrequency.Whenyoustateadecla
ration aloud, its energy vibrates throughout the cells ofyour
body, and by touching your body at the same time,
youcanfeelitsuniqueresonance.Declarationsnotonlysenda
16-SecretsoftheMillionaireMind
specific message to the universe, they also send a
powerfulmessagetoyoursubconsciousmind.
The difference between a declaration and an affirmation
isslight,butinmymind,powerful.Thedefinitionofanaffirmation
is “a positive statement asserting that a goal youwish to
achieve is already happening.” The definition of adeclaration
is “to state an official intention to undertake
aparticularcourseofactionoradoptaparticularstatus.”
An affirmation states that a goal is already happening.
I’mnotcrazyaboutthisbecause,oftenwhenweaffirmsomethingt
hatisnotyetreal,thelittlevoiceinourheadusuallyrespondswith“
Thisisn’ttrue,thisisBS.”
Ontheotherhand,adeclarationisnotsayingsomethingistrue,
it’s stating that we have an intention of doing or
beingsomething.Thisisapositionthelittlevoicecanbuy,because
we’renotstatingit’struerightnow,butagain,it’sanintentionforus
in thefuture.
A declaration, by definition, is also official. It is a
formalstatement of energy into the universe and throughout
yourbody.
Another word from the definition is important—action.
Youmust take all the actions necessary to make your
intention areality.
I recommend that you state your declarations aloud
eachmorning and each evening. Doing your declarations
whilelookingintoamirrorwillacceleratetheprocessevenmore.
Now I have to admit that when I first heard of all this,
Isaid,“Noway.Thisdeclarationstuffisfartoohokeyforme.”But
because I was broke at the time, I decided, “What
theheck,itcan’thurt,”andstarteddoingthem.NowI’mrich,soitsh
ouldn’tcomeasabigsurprisethatIbelievethatdeclarationsreally
work.
YourMoneyBlueprint-17
Either way, I’d rather be really hokey and really rich
thanreallycoolandreallybroke.Howaboutyou?
Thatsaid,Iinviteyoutoplaceyourhandonyourheartandrepeat
thefollowing...
DECLARATION:
“Myinnerworldcreatesmyouterworld.”
Nowtouchyourheadandsay...
“Ihaveamillionairemind.”
As
a
special
bonus,
if
you
go
to
www.millionairemindbook.com and click on “FREE
BOOK BONUSES,” we willgive you a free list of all the
declarations
in
this
book
presentedincalligraphy,inaprintableformat,suitableforframing
.
What Is Your Money
BlueprintandHowIsItForm
ed?
Whether I’m appearing on radio or television, I’m wellknownfor making the following statement: “Give me five
minutes,andIcanpredictyourfinancialfuturefortherestofyourlife.
”
WEALTHPRINCIPLE:
Give me five minutes, and I can predict your
financialfuturefor the rest ofyour life.
How?Inashortconversation,Icanidentifywhat’scalledyourmoney
andsuccess“blueprint.”Eachofushasaper-
18-SecretsoftheMillionaireMind
sonal money and success blueprint already embedded in
oursubconscious mind. And this blueprint, more than
anythingand everything else combined, will determine your
financialdestiny.
What is a money blueprint? As an analogy, let’s consider
theblueprintforahouse,whichisapresetplanordesignforthatpart
icular home. In the same way, your money blueprint
issimply your preset program or way of being in relation
tomoney.
Iwanttointroduceyoutoanextremelyimportantformula.Itdet
ermineshowyoucreateyourrealityandwealth.Manyofthe most
respected teachers in the field of human potentialhave used
this
formula
as
a
foundation
for
their
teachings.CalledtheProcessofManifestation,itgoeslikethis:
T→F→A=R
WEALTHPRINCIPLE:
Thoughtsleadtofeelings.Feelingsleadtoactions.
Actionsleadtoresults.
Your financial blueprint consists of a combination of
yourthoughts,feelings,andactionsinthearenaofmoney.
So how is your money blueprint formed? The answer
issimple. Your financial blueprint consists primarily of the
in-formation or “programming” you received in the past,
andespeciallyasayoungchild.
Who were the primary sources of this programming
orconditioning?Formostpeople,thelistincludesparents,sib-
YourMoneyBlueprint.19
lings, friends, authority figures, teachers, religious
leaders,media,andyourculture,tonameafew.
Let’stakeculture.Isn’tittruethatcertaincultureshaveoneway
ofthinkinganddealingwithmoney,whileothercultureshaveadif
ferentapproach?Doyouthinkachildcomesoutofthe womb with
his or her attitudes toward money, or do
youbelievethechildistaughthowtodealwithmoney?That’sright.E
verychildistaughthowtothinkaboutandactinrelationtomoney.
The same holds true for you, for me, for everyone.
Youwere taught how to think and act when it comes to
money.These teachings become your conditioning, which
becomesautomatic responses that run you for the rest of your
life.Unless, of course, you intercede and revise your mind’s
moneyfiles.Thisisexactlywhatwearegoingtodointhisbook,and
what we do for thousands of people each year, on a
deeperand more permanent level at the Millionaire Mind
IntensiveSeminar.
We said earlier that thoughts lead to feelings, that
feelingsleadtoactions,thatactionsleadtoresults.Sohere’saninte
restingquestion:Wheredoyourthoughtscomefrom?Whydoyout
hinkdifferentlyfromthenextperson?
Yourthoughtsoriginatefromthe“filesofinformation”youhav
einthestoragecabinetsofyourmind.Sowheredoesthisinformati
oncomefrom?Itcomesfromyourpastprogramming.That’sright,
yourpastconditioningdeterminesevery thought that bubbles
up
in
your
mind.
That’s
why
it’softenreferredtoastheconditionedmind.
Toreflectthisunderstanding,wecannowreviseourProcessof
Manifestationinthefollowingmanner:
P→T→F→A=R
20-SecretsoftheMillionaireMind
Your programming leads to your thoughts; your
thoughtslead to your feelings; your feelings lead to your
actions; youractionsleadtoyourresults.
Therefore, just as is done with a personal computer,
bychanging your programming, you take the first essential step
tochangingyourresults.
So how are we conditioned? We are conditioned in
threeprimarywaysineveryarenaoflife,includingmoney:
Verbalprogramming:Whatdidyouhearwhenyouwereyoung?
Modeling:Whatdidyouseewhenyouwereyoung?
Specificincidents:Whatdidyouexperiencewhenyouwereyoung?
The three aspects of conditioning are important to understand,solet’sgoovereachofthem.InPartIIofthisbook,you
will learn how to recondition yourself for wealth andsuccess.
TheFirst Influence:Verbal Programming
Let’s begin with verbal programming. What did you hear
aboutmoney,wealth,andrichpeoplewhenyouweregrowingup?
Did you ever hear phrases like money is the root of all evil,
saveyour money for a rainy day, rich people are greedy, rich people
arecriminals, filthy rich, you have to work hard to make money,
moneydoesn’t grow on trees, you can’t be rich and spiritual, money doesn’t
buyhappiness, money talks, the rich get richer and the poor get poorer,
that’snot for people like us, not everyone can be rich, there’s never enough,
andtheinfamouswecan’taffordit?
YourMoneyBlueprint-21
In my household, every time I asked my father for
anymoney I’d hear him scream, “What am I made of...
money?”JokinglyI’drespond,“Iwish.I’lltakeanarm,ahand,eve
nafinger.”Heneverlaughedonce.
Here’s the rub. All the statements you heard about
moneywhen you were young remain in your subconscious
mind aspartoftheblueprintthatisrunningyourfinanciallife.
Verbal conditioning is extremely powerful. For
example,when my son, Jesse, was three years old, he ran over
to me andexcitedly said, “Daddy, let’s go see the Ninja Turtle
movie.
It’splayingnearus.”Forthelifeofme,Icouldn’tfigureouthowthis
toddlercouldalreadybeamasterofgeography.Acoupleofhoursl
ater,IgotmyanswerintheformofaTVcommercial advertising
the
movie,
which
had
at
the
end
theusualtagline:“Nowplayingatatheaternearyou.”
Anotherexampleofthepowerofverbalconditioningcameatth
eexpenseofoneofourMillionaireMindseminarparticipants.
Stephen didn’t have a problem earning money;
hischallengewaskeepingit.
AtthetimeStephencametothecoursehewasearningover
$800,000ayearandhadbeendoingsoforthepastnineyears.Yethe
wasstillbarelyscrapingby.Somehow,hemanagedtospendhism
oney,lendit,orloseitallbymakingpoorinvestmentdecisions.Wh
ateverthereason,hisnetworthwasexactlyzero!
Stephen shared with us that when he was growing up,
hismomalwaysusedtosay,“Richpeoplearegreedy.Theymaketh
eir money off the sweat of the poor. You should have
justenoughtogetby.Afterthatyou’reapig.”
It doesn’t take a rocket scientist to figure out what
wasgoing on inside Stephen’s subconscious mind. No
wonder
hewasbroke.Hewasverballyconditionedbyhismotherto
22-SecretsoftheMillionaireMind
believethatrichpeoplearegreedy.Therefore,hismindlinkedup
rich with greedy, which of course is bad. Since he
didn’twanttobebad,subconsciouslyhecouldn’tberich.
Stephen loved his mom and didn’t want her to
disapproveofhim.Obviously,basedonherbeliefs,ifheweretoget
rich,shewouldn’tapprove.Therefore,theonlythingforhimtodo
was to get rid of any extra money beyond just getting
by,otherwisehe’dbeapig!
Now,youwouldthinkthatinchoosingbetweenbeingrichandb
eingapprovedofbyMomoranyoneelseforthatmatter,most
people would take being rich. Not a chance! The
mindjustdoesn’tworkthatway.Sure,richeswouldseemtobethel
ogical choice. But when the subconscious mind must choose
betweendeeplyrootedemotionsandlogic,emotionswillalmostalwayswin.
WEALTHPRINCIPLE:
When the subconscious mind must choose
betweendeeply rooted emotions and logic, emotions
willalmostalways win.
Let’s get back to our story. In less than ten minutes at
thecourse, using some extremely effective experiential
techniques,Stephen’s money blueprint changed dramatically. In
only twoyears,hewentfrombeingbroketobecomingamillionaire.
Atthecourse,Stephenbegantounderstandthatthesenonsuppo
rtivebeliefswerehismom’s,basedonherpastpro-gramming,
and not his. We then took it a step further andhelped him to
create a strategy whereby he wouldn’t lose
hismother’sapprovalifhegotrich.Itwassimple.
YourMoneyBlueprint.23
His mom loved Hawaii. So Stephen invested in a beachfrontcondoonMaui.Hesendshertherefortheentirewinter.She’s
in heaven, and so is he. First, she now loves that he’srich and
tells everyone how generous he is. Second, he
doesn’thavetodealwithherforsixmonthsoftheyear.Brilliant!
In my own life, after a slow start, I began doing well
inbusinessbutneverseemedtomakemoneywithmystocks.Inbec
omingawareofmymoneyblueprint,IrecalledthatwhenIwasyou
ng,eachdayafterwork,mydadwouldsitdownatthedinner table
with the newspaper, check the stock pages, slamhis fist on
the table, and shout, “Those stinkin’ stocks!” Hethen spent
the next half hour ranting about how stupid
thewholesystemisandhowyouhaveabetterchanceofmakingmo
neyplayingtheslotmachinesinLasVegas.
Nowthatyouunderstandthepowerofverbalconditioning,can
youseethatit’snowonderIcouldn’tmakeanymoneyinthestockm
arket?Iwasliterallyprogrammedtofail,programmed
to
unconsciously pick the wrong stock, at thewrong price, at
the
wrong
time.
Why?
To
subconsciouslyvalidatemymoneyblueprintthatsaid,“Stockssti
nk!”
All I can say is, by digging out this massive, toxic weed
frommy inner “financial garden,” I began getting inundated
withmorefruits!VirtuallythedayafterIreconditionedmyself,the
stocks I chose began to boom, and I’ve continued to
haveamazing success in the stock market ever since. It
seemsincredibly strange, but when you really understand
how themoneyblueprintworks,itmakesperfectsense.
Again, your subconscious conditioning determines
yourthinking. Your thinking determines your decisions, and
yourdecisions determine your actions, which eventually
determineyouroutcomes.
24-SecretsoftheMillionaireMind
There are four key elements of change, each of which
isessential in reprogramming your financial blueprint. They
aresimplebutprofoundlypowerful.
The first element of change is awareness. You can’t
changesomethingunlessyouknowitexists.
The second element of change is understanding. By understandingwhereyour“wayofthinking”originates,youcanreco
gnizethatithastocomefromoutsideyou.
The third element of change is disassociation. Once
yourealize this way of thinking isn’t you, you can separate
yourselffrom it and choose in the present whether to keep it
or let itgo—based on who you are today, and where you
want
to
betomorrow.Youcanobservethiswayofthinkingandseeitforwh
atitis,a“file”ofinformationthatwasstoredinyourminda long,
long time ago and may not hold any truth or value
foryouanymore.
Thefourthelementofchangeisreconditioning.Wewillbeginthis
process in Part II of this book, where we will
introduceyoutothementalfilesthatgeneratewealth.Shouldyou
wanttotakethisastepfurther,IinviteyoutoattendtheMillionaire
Mind Intensive Seminar, where you will be led through a
seriesofpowerfulexperientialtechniquesthatwillrewireyoursub
conscious on a cellular and permanent level—retrainingyour
mind to respond supportively in terms of money andsuccess.
The elements of frequency and ongoing support are
alsoimportantforlastingchangetooccur,soI’vegotanothergiftto
help you. If you go to www.millionairemindbook .comand
click on “FREE BOOK BONUSES,” you can subscribeto
the Millionaire Mind “thought of the week.” Every
sevendays you will receive a profound lesson that can assist
yoursuccess.
YourMoneyBlueprint-25
Meanwhile, let’s go back to our discussion on verbal conditioning and the steps you can take now to begin
revisingyourmoneyblueprint.
StepsforChange:VerbalProgramming
AWARENESS:Writedownallthestatementsyouheardabo
ut money, wealth, and rich people when you
wereyoung.
Write down how you believe
thesestatements haveaffectedyourfinanciallifesofar.
UNDERSTANDING:
DISASSOCIATION: Can you see that these
thoughtsrepresentonlywhatyoulearnedandarenotpartofy
ouranatomyandnotwhoyouare?Canyouseethatyouhaveach
oiceinthepresentmomenttobedifferent?
DECLARATION:Placeyourhandoveryourheartandsay...
“What I heard about money isn’t necessarily true.
Ichoosetoadoptnewwaysofthinkingthatsupportmyhapp
inessandsuccess.”
Touchyourheadandsay...
“Ihaveamillionairemind.”
The Second Influence: Modeling
Thesecondwayweareconditionediscalledmodeling.Whatwere
your parents or guardians like in the arena of
moneywhenyouweregrowingup?Didoneorbothofthemmanag
etheirmoneywellordidtheymismanageit?Weretheyspenders
or savers? Were they shrewd investors or were
theynoninvestors?Weretheyrisktakersorconservative?
26-SecretsoftheMillionaireMind
Wasmoneyconsistentlythereorwastheflowmoresporadic?Did
money come easily in your family, or was it always
astruggle?Wasmoneyasourceofjoyinyourhouseholdorthecaus
eofbitterarguments?
Whyisthisinformationimportant?You’veprobablyheardthes
aying“Monkeysee,monkeydo.”Well,humansaren’tfarbehind.As
kids,welearnjustabouteverythingfrommodeling.Althoughmosto
fuswouldhatetoadmitit,there’smorethanagrain
oftruthintheoldsaying “Theappledoesn’tfall
toofarfromthetree.”
Thisremindsmeofthestoryaboutawomanwhopreparesa
ham for dinner by cutting off both ends. Her
bewilderedhusband asks why she cuts off the ends. She
replies, “That’show my mom cooked it.” Well, it just so
happened
that
hermomwascomingfordinnerthatnight.Sotheyaskedherwhysh
ecutofftheendsoftheham.Momreplies,“That’showmymomco
okedit.”SotheydecidetocallGrandmaonthephoneand ask why
she
cut
off
the
ends
of
the
ham.
Her
answer?“Becausemypanwastoosmall!”
Thepointisthatgenerallyspeaking,wetendtobeidenticaltoon
eoracombinationofourparentsinthearenaofmoney.
For example, my dad was an entrepreneur. He was in
thehomebuildingbusiness.Hebuiltanywherefromadozentoahundred
homes per project. Each project took a huge amountof capital
investment. My dad would have to put up everythingwe had
and borrow heavily from the bank until the homeswere sold
and the cash came through. Consequently, at
thebeginningofeachproject,wehadnomoneyandwereindebtupt
ooureyeballs.
Asyoucanimagine,duringthisperiodmydadwasnotin
YourMoneyBlueprint-27
thebestofmoodsnorwasgenerosityhisstrongsuit.IfIaskedhim
for anything that cost even a penny, his standard replyafter
the usual “What am I, made of money?” was “Are
youcrazy?”Ofcourse,Iwouldn’tgetadime,butwhatIwouldgetw
as that “Don’t even think of asking again” glare. I’m sure
youknowtheone.
This scenario would last for about a year or two until
thehomes were finally sold. Then, we’d be rolling in dough. All
ofasudden,mydadwasadifferentperson.He’dbehappy,kind,an
d extremely generous. He’d come over and ask me if
Ineededafewbucks.Ifeltlikegivinghimhisglareback,butIwasn’
t that stupid so I just said, “Sure, Dad, thanks,”
androlledmyeyes.
Life was good... until that dreaded day when he’d
comehome and announce, “I found a good piece of land.
We’regoing to build again.” I distinctly remember saying,
“Great,Dad,goodluck,”asmyheartsank,knowingthestruggleth
atwasabouttounfoldagain.
ThispatternlastedfromthetimeIcouldremember,whenIwasa
boutsix,untiltheageoftwenty-one,whenImovedoutof
my
parents’ house for good. Then it stopped, or so Ithought.
At twenty-one years of age, I finished school and
became,youguessedit,abuilder.Ithenwentontoseveralothertyp
esof project-based businesses. For some strange reason,
I’dmakeasmallfortune,butjustashorttimelater,I’dbebroke.I’d
get into another business and believe I was on top of
theworldagain,onlytohitbottomayearlater.
This up-and-down pattern went on for nearly ten
yearsbefore I realized that maybe the problem wasn’t the
type ofbusiness I was choosing, the partners I was choosing,
theemployeesI had,thestate oftheeconomy,ormydecisionto
28-SecretsoftheMillionaireMind
taketimeoffandrelaxwhenthingsweregoingwell.Ifinallyrecog
nized that maybe, just maybe, I was unconsciously relivingmydad’sup-and-downincomepattern.
All I can say is, thank goodness I learned what
you’relearninginthisbookandwasabletoreconditionmyselfout
ofthat “yo-yo” model and into having a consistently
growingincome.Today,theurgetochangewhenthingsaregoing
well(and to sabotage myself in the process) still comes up.
Butnow,there’sanotherfileinmymindthatobservesthisfeelinga
ndsays,“Thankyouforsharing;nowlet’sgetrefocusedandbackt
owork.”
Another example comes from one of my seminars in Orlando, Florida. As usual, people were filing up to the stage,
oneby one, to get an autograph and say hello or thank you
orwhatever. I’ll never forget one older gentleman because
hecame up sobbing. He could barely catch his breath and
keptwipinghistearswithhissleeve.Iaskedhimwhatwaswrong.H
e said, “I’m sixty-three years old and I’ve been reading
booksand going to seminars since they were invented. I’ve
seenevery speaker and tried everything they taught. I’ve
triedstocks,realestate,andbeeninoveradozendifferentbusinesse
s. I went back to university and got an MBA. I’ve
gotmoreknowledgethantenaveragemen,yetI’venevermadeitfi
nancially. I’d always get a good start but end up emptyhanded, and in all those years I never knew why. I thought
Imustjustbeplainoldstupid...untiltoday.
“Finally, after listening to you and doing the processes, it
allmakes sense. There’s nothing wrong with me. I just had
mydad’s money blueprint stuck in my head and that’s been
mynemesis. My dad went through the heart of the
Depressionera. Every day he would try getting jobs or
selling things andcomehomeempty-handed.IwishIwouldhave
YourMoneyBlueprint.29
understood modeling and money patterns forty years
ago.What a waste of time, all that learning and knowledge
hasbeen.”Hebegantocryevenharder.
I replied, “No way is your knowledge a waste of time! It
hasjust been latent, waiting in a ‘mind’ bank, waiting for
theopportunitytocomeout.Nowthatyou’veformulateda‘succes
s blueprint,’ everything you’ve ever learned will
becomeusableandyouwillskyrockettosuccess.”
For most of us, when we hear the truth, we know it.
Hestartedtolightenupandbeganbreathingdeeplyagain.Thenabi
ggrincameacrosshisface.Hegavemethebiggesthugandsaid,
“Thank you, thank you, thank you.” Last I heard
fromhim,everythingwasbooming:hehasaccumulatedmorewea
lth in the last eighteen months than in the past
eighteenyearscombined.Iloveit!
Again, you can have all the knowledge and skills in
theworld, but if your “blueprint” isn’t set for success, you’re
fi-nanciallydoomed.
We often get seminar participants whose parents were involvedinWorldWarIIorwholivedthroughtheDepression.Thes
e people are often in shock when they realize how muchtheir
parents’ experiences have influenced their beliefs andhabits
around money. Some spend like crazy because
“Youcouldeasilyloseallyourmoney,soyoumightaswellenjoyit
whileyoucan.”Othersgotheoppositeroute:theyhoardtheirmon
eyand“saveforarainyday.”
Awordofwisdom:Savingforarainydaymightsoundlikeagoo
didea,butitcancreatebigproblems.Oneoftheprinciples
we
teach in another of our courses is the power
ofintention.Ifyouaresavingyourmoneyforarainyday,whatare
you going to get? Rainy days! Stop doing that. Instead
ofsavingforarainyday,focusonsavingforajoyousdayorfor
30-SecretsoftheMillionaireMind
thedayyouwinyourfinancialfreedom.Then,byvirtueofthelawof
intention,that’sexactlywhatyouwillget.
Earlierwesaidthatmostofustendtobeidenticaltooneorboth
parents in the arena of money, but there’s also the
flipsideofthecoin.Someofusendupbeingexactlytheoppositeof
one or both parents. Why would that happen? Do
thewordsangerandrebellionringabell?Inshort,itjustdependsonho
wtickedoffyouwereatthem.
Unfortunately, as little kids we can’t say to our
parents,“Mom and Dad, have a seat. I’d like to discuss
something
withyou.I’mnotfondofthewayyou’remanagingyourmoneyor,f
or that matter, your lives, and therefore, when I become
anadult,I’llbedoingthingsquitedifferently.Ihopeyouunderstan
d.Goodnightnowandpleasantdreams.”
No, no, no, it doesn’t go quite that way. Instead, when
ourbuttons are pushed, we generally freak out and what
comesoutsoundsmorelike“Ihateyou.I’llneverbelikeyou.When
I grow up, I’m gonna be rich. Then I’ll get whatever I
wantwhetheryoulikeitornot.”Thenweruntoourbedroom,slamt
he door, and start pounding our pillow or whatever else is
athand,toventourfrustration.
Many people who come from poor families become
angryandrebelliousaboutit.Oftentheyeithergooutandgetrichor
at least have the motivation to do so. But there’s one
littlehiccup,whichisactuallyabigburp.Whethersuchpeoplegetr
ich or work their buns off trying to become successful,
theyarenotusuallyhappy.Why?Becausetherootoftheirwealtho
rmotivationformoneyisangerandresentment.Consequently,
money and anger become linked in their minds,and the more
money such individuals have or strive for, theangriertheyget.
YourMoneyBlueprint-31
Eventually, the higher self says, “I’m tired of being
angryand stressed out. I just want to be peaceful and happy.”
Sothey ask the same mind that created the link what to do
aboutthis situation. To which their mind answers, “If you
want toget rid of your anger, you’re going to have to get rid
of yourmoney.” So they do. They subconsciously get rid of
theirmoney.
Theyoverspendormakeapoorinvestmentdecisionorgetafina
nciallydisastrousdivorce,ortheysabotagetheirsuccessinsomeothe
rway.Butnomatter,becausenowthesefolksarehappy. Right?
Wrong! Things are even worse because nowthey’re not just
angry, they’re broke and angry. They got rid ofthewrongthing!
They got rid of the money instead of the anger, the
fruitinstead of the root. Meanwhile, the real issue is, and
alwayswas,theangerbetweenthemandtheirparents.Anduntilth
atanger is resolved, they will never be truly happy or
peacefulregardlessofhowmuchmoneytheyhaveordon’thave.
The reason or motivation you have for making money
orcreating success is vital. If your motivation for
acquiringmoney or success comes from a nonsupportive root
such asfear, anger, or the need to “prove” yourself, your
money willneverbringyouhappiness.
WEALTHPRINCIPLE:
If your motivation for acquiring money or
successcomes from a nonsupportive root such as
fear,anger, or the need to “prove” yourself, your
moneywillnever bringyou happiness.
32-SecretsoftheMillionaireMind
Why? Because you can’t solve any of these issues
withmoney.Takefear,forinstance.DuringmyseminarsIaskthea
udience,“Howmanyofyouwouldcitefearasyourprimarymotiva
tion for success?” Not many people put up their
hand.However, then I ask, “How many of you would cite
security asone of your main motivators for success?” Almost
everyoneputs up his or her hand. But get this—security and
fear areboth motivated by the same thing. Seeking security
comes frominsecurity,whichisbasedinfear.
So, will more money dissolve the fear? You wish! But
theanswerisabsolutelynot.Why?Becausemoneyisnottherootof
the problem; fear is. What’s even worse is that fear is notjust
a problem, it’s a habit. Therefore, making more money willonly
change the kind of fear we have. When we were broke,we
were most likely afraid we’d never make it or never
haveenough. Once we make it, however, our fear usually
changesto“WhatifIlosewhatI’vemade?”or“Everyone’sgoingtowant what I have” or “I’m going to get creamed
in taxes.” Inshort, until we get to the root of this issue and
dissolve thefear,noamountofmoneywillhelp.
Of course, given a choice, most of us would rather
worryabout having money and losing it than not having money
at all,butneitherareoverlyenlightenedwaystolive.
As with those of us driven by fear, many people are motivated to achieve financial success to prove they are
“goodenough.”We’llcoverthischallengeindetailinPartIIofthis
book, but for now, just realize that no amount of money
canever make you good enough. Money can’t make you
somethingyoualreadyare.Again,aswithfear,the“alwayshavingtopro
veyourself”issuebecomesyourhabitualwayofliving.Youdon’t
evenrecognizeit’srunningyou.Youcallyour-
YourMoneyBlueprint-33
self a high achiever, a hard driver, determined, and all
thesetraits are fine. The only question is why? What is the
rootenginethatdrivesallthis?
For people who are driven to prove they are good
enough,no amount of money can ease the pain of that inner
woundthatmakeseverythingandeveryoneintheirlife“notenoug
h.”No amount of money, or anything else for that matter,
willeverbeenoughforpeoplewhofeeltheyarenotgoodenoughth
emselves.
Again, it’s all about you. Remember, your inner world reflects your outer world. If you believe you are not enough,
youwill validate that belief and create the reality that you
don’thaveenough.Ontheotherhand,ifyoubelieveyouareplenty,
you will validate that belief and create plenty of
abundance.Why? Because “plenty” will be your root, which
will thenbecomeyournaturalwayofbeing.
Byunlinkingyourmoneymotivationfromanger,fear,andthe
need to prove yourself, you can install new links forearning
your money through purpose, contribution, and joy.
Thatway,you’llneverhavetogetridofyour moneytobe happy.
Beingarebelortheoppositeofyourparentsisnotalwaysaprobl
em. To the contrary, if you were a rebel (often the casewith
second-born children) and your folks had poor moneyhabits,
it’s probably a good thing that you are their
opposite.Ontheotherhand,ifyourparentsweresuccessfulandyo
u’rerebelling against them, you could be in for serious
financialdifficulties.
Eitherway,what’simportantistorecognizehowyourwayof
being relates to one or both of your parents in the arena
ofmoney.
34-SecretsoftheMillionaireMind
StepsforChange:Modeling
AWARENESS:Considerthewaysofbeingandhabitseachof your
parents had around money and wealth.
Writedownhowyoumaybeidenticaloroppositetoeitherofth
em.
UNDERSTANDING:Writedowntheeffectthismodelinghasha
donyourfinanciallife.
DISASSOCIATION:Canyouseethiswayofbeingisonlywhat
you learned and isn’t you? Can you see you have
achoiceinthepresentmomenttobedifferent?
DECLARATION:Placeyourhandoveryourheartandsay...
“WhatImodeledaroundmoneywastheirway.Icho
osemyway.”
Touchyourheadandsay...
“Ihave amillionairemind!”
TheThirdInfluence:SpecificIncidents
The third primary way in which we are conditioned is
byspecific incidents. What did you experience when you
wereyoung around money, wealth, and rich people? These
ex-periences are extremely important because they shape
thebeliefs—orrather,theillusions—younowliveby.
Letmegiveyouanexample.AwomanwhowasanoperatingroomnurseattendedtheMillionaireMindIntensiveSeminar.
Josey had an excellent income, but somehow shealways
spent all of her money. When we dug a little
deeper,sherevealedthatwhenshewaselevenyearsold,she
YourMoneyBlueprint-35
remembersbeingataChineserestaurantwithherparentsandher
sister. Her mom and dad were having yet another
bitterargumentaboutmoney.Herdadwasstandingup,screamingan
dslamminghisfistonthetable.Sheremembershimturningred,thenb
lue,thenfallingtothefloorfromaheartattack.Shewasontheswimt
eamatschoolandhadCPRtraining,whichsheadministered,button
oavail.Herfatherdiedinherarms.
And so, from that day forth, Josey’s mind linked
moneywith pain. It’s no wonder then that as an adult, she
subcon-sciously got rid of all of her money in an effort to get
rid ofher pain. It’s also interesting to note that she became a
nurse.Why?Isit possiblethatshewasstilltryingtosave herdad?
At the course, we helped Josey identify her old
moneyblueprint and revise it. Today she’s well on her way
to be-coming financially free. She’s also not a nurse
anymore. Notthat she didn’t enjoy her job. It’s just that she
was in thenursing profession for the wrong reason. She’s now a
financialplanner, still helping people, but this time one-onone, tounderstand how their past programming runs every
aspect oftheirfinanciallives.
Letmegiveyouanotherexampleofaspecificincident,onethat’
sclosertohome.Whenmywifewaseightyearsold,shewould
hear the clanging bells of the ice cream truck comingdown
the street. She would run to her mom and ask for
aquarter.Hermomwouldreply,“Sorry,dear,Idon’thaveanymon
ey. Go ask Dad. Dad’s got all the money.” My wife
wouldthengoaskherdad.He’dgiveheraquarter,she’dgogetheric
ecreamcone,andshewasahappycamper.
Weekafterweek,thesameincidentwouldrepeatitself.Sowhat
didmywifelearnaboutmoney?
36-SecretsoftheMillionaireMind
First,thatmenhaveallthemoney.Sooncewegotmarried,what
do you think she expected of me? That’s right: money.And
I’ll tell you what, she wasn’t asking for quarters
anymore!Somehowshe’dgraduated.
Second, she learned that women don’t have money. If
hermom(thedeity)didn’thavemoney,obviouslythisisthewaysh
e should be. To validate that way of being, she would subconsciously get rid of all her money. She was quite
preciseabout it too. If you gave her $100, she’d spend $100.
If
yougaveher$200,she’dspend$200.Ifyougaveher$500,she’dsp
end $500, and if you gave her $1,000, she’d spend
$1,000.Thenshetookoneofmycoursesandlearnedallaboutthear
tof leverage. I gave her $2,000, she spent $10,000! I tried
toexplain, “No, honey, leverage means we’re the ones who
aresupposedtogetthetenthousanddollars,notspendit.”Someho
witjustwasn’tsinkingin.
Theonlythingweeverfoughtaboutwasmoney.Italmostcost
us our marriage. What we didn’t know at the time
wasthatthemeaningseachofusattributedtomoneywereradically
different.Tomywife,moneymeant immediatepleasure (as in
enjoying her ice cream). I, on the other hand,grew up with
the belief that money was meant to be accumulatedasthemeanstocreatefreedom.
AsfarasIwasconcerned,whenevermywifespentmoney,she
wasn’t spending money, she was spending our
futurefreedom. And as far as she was concerned, whenever I
heldherbackfromspending,I wastakingawayherpleasureinlife.
Thank goodness we learned how to revise each of
ourmoneyblueprintsand,moreimportantly,createathirdmoney
blueprintspecificallyfortherelationship.
YourMoneyBlueprint-37
SuccessStoryfromDeborah Chamitoff
From:DeborahChamitoff
To: T. Harv Eker Subject: Financially
free!Harv,
Today, I have 18 sources of passive income and I
nolonger need a J.O.B. Yes, I am rich, but more
importantly,my life is enriched, joyful, and abundant! But
itwasn’talwaysthis way.
Money used to be a burden to me. I trusted strangers
tomanage my financial affairs just so I wouldn’t have to
dealwith it. I lost almost everything during the last stock
marketcrash,andIdidn’tevenrealizeituntilit wastoolate.
More importantly, I lost my self-respect. Paralyzed
withfear, shame, and hopelessness, I withdrew from
everyoneandeverythingaroundme.Icontinuedtopunishmyself
rightupuntilIwasdraggedtotheMillionaireMind.
During that transformational weekend, I reclaimed
mypower and resolved to take control of my own
financialdestiny. I embraced the Declarations of Wealth and
forgavemyselfforpastmistakes,trulybelievingthatIdeservedto
bewealthy.
And now, I’m actually having fun managing my
ownmoney! I am financially free and know I always will
bebecauseIhaveaMillionaireMind!
Thankyou,Harv...thankyou.
38-SecretsoftheMillionaireMind
Does all this work? Let me put it this way; I’ve
witnessedthreemiraclesinmylife:
1. Thebirthofmydaughter.
2. Thebirthofmyson.
3. MywifeandInotfightingaboutmoneyanymore!
Statisticsshowthatthenumberonecauseofallrelationshipbrea
kups is money. The biggest reason behind the fightspeople
have about money is not the money itself, but themismatch
of their “blueprints.” It doesn’t matter how muchmoney you
have or don’t have. If your blueprint doesn’t matchthat of the
person you’re dealing with, you’ll have a majorchallenge.
This
goes
for
married
couples,
dating
couples,familyrelationships,andevenbusinessassociates.Thekeyi
stocomprehendthatyouaredealingwithblueprints,notmoney.
Once you recognize a person’s money blueprint,
youcandealwithyourpartnerinawaythatworksforbothofyou.Y
oucanbeginbybecomingawarethatyourpartner’smoneyfiles
are probably not the same as yours. Instead of gettingupset,
choose understanding. Do your best to find out
what’simportant to your partner in the arena of money and
identifyhisorhermotivationsandfears.Inthisway,you’llbedeali
ngwith the roots instead of the fruits and have a good shot
ofmakingitwork.Otherwise,noway,Jose!
Oneofthemostimportantthingsyouwilllearn,shouldyoudeci
de to attend the Millionaire Mind Intensive Seminar, ishow
to recognize your partner’s money blueprint as well
ashowtocreateabrandnewblueprintbetweenbothofyouthathelps you as partners get
what
you
really
want.
It
is
truly
ablessingtobeabletodothis,asitalleviatesoneofthebiggestcause
sofpainformostpeople.
YourMoneyBlueprint-39
StepsforChange:SpecificIncidents
Here’sanexerciseyoucandowithyourpartner.Sitdownanddiscu
ss the history each of you brings to your thoughts
aboutmoney—what you heard when you were young, what
wasmodeled in your family, and any emotional incidents
thatoccurred. Also, find out what money really means to
yourpartner. Is it pleasure or freedom or security or status?
Thiswill assist you in identifying each other’s current
moneyblueprint and may help you discover why you might
be dis-agreeinginthisarena.
Next,discusswhatyouwanttodaynotasindividuals,butasa
partnership. Decide and agree upon your general goals
andattitudeswithregardtomoneyandsuccess.Thencreatealistof
these attitudes and actions you both agree to live by
andwritethemdown.Postthemonthewall,andifeverthere’saniss
ue, gently, very gently, remind each other what you
decidedtogether when you were both objective, unemotional,
andoutsidethegripofyouroldmoneyblueprints.
AWARENESS:Consideraspecificemotionalincidentyouexpe
riencedaroundmoneywhenyouwereyoung.
UNDERSTANDING:Writedownhowthisincidentmayhaveaff
ectedyourcurrentfinanciallife.
DISASSOCIATION:Canyouseethiswayofbeingisonlywhat
you learned and isn’t you? Can you see you have
achoiceinthepresentmomenttobedifferent?
DECLARATION:Placeyourhandonyourheartandsay...
40-SecretsoftheMillionaireMind
“Ireleasemynonsupportivemoneyexperiencesfromthep
astandcreateanewandrichfuture.”
Touchyourheadandsay...
“Ihave amillionairemind!”
SoWhat IsYour MoneyBlueprint SetFor?
Now, it’s time to answer the “million dollar” question. What
isyourcurrentmoneyandsuccessblueprint,andwhatresultsisit
subconsciously moving you toward? Are you set for
success,mediocrity, or financial failure? Are you
programmed forstruggle or for ease around money? Are you
set for workinghardforyourmoneyorworkinginbalance?
Are you conditioned for having a consistent income or
aninconsistentincome?Youknowthescoop:“Firstyouhaveit,th
en you don’t, then you have it, then you don’t.” It
alwaysappears as though the reasons for these drastic
fluctuationscome from the outside world. For instance: “I
got a great-paying job but then the company folded. Then I
started myown business and things were booming, but the
market driedup. My next business was doing super, but then
my
partnerleft,etcetera.”Don’tbefooled,thisisyourblueprintatwork.
Are you set for having a high income, a moderate
income,oralowincome?Didyouknowthereareactualdollaramo
unts for which many of us are programmed? Are you
setforearning$20,000to$30,000ayear?$40,000to$60,000?
$75,000to$100,000?$150,000to$200,000?$250,000ayearormor
e?
A few years ago, I had an unusually well-dressed
gentlemanintheaudienceduringoneofmytwo-hourevening
YourMoneyBlueprint.41
seminars.Whentheseminarwascomplete,hecameoverandaske
d if I thought the three-day Millionaire Mind course
coulddoanythingforhim,consideringhewasalreadyearning
$500,000 a year. I asked him how long he’d earned that kind
ofmoney. He responded, “Consistently, for about seven
yearsnow.”
That was all I needed to hear. I asked him why he
wasn’tearning$2millionayear.Itoldhimthattheprogramwasfor
peoplewhowanttoreachtheirfullfinancialpotentialandaskedhim
to consider why he was “stuck” at half a million.
Hedecidedtocometotheprogram.
I got an e-mail from him a year later that said, “The program was incredible but I made a mistake. I only reset
mymoneyblueprinttoearnthe$2millionayearaswediscussed.I’
malreadythere,soI’mattendingthecourseagaintoresetitforearni
ng$10millionayear.”
The point I want to make is that the actual amounts
don’tmatter. What matters is whether you are reaching your
fullfinancialpotential.Iknowmanyofyoumightbeasking,whyo
n earth would anyone need that kind of money? First,
thatveryquestionisnotoverlysupportivetoyourwealthandisasur
esignyou’llwanttoreviseyourmoneyblueprint.Second,themain
reasonthisgentlemanwantedtoearnmassiveamountsofmoney
wastosupporthisworkasahugedonortoacharitythatassistsAID
SvictimsinAfrica.Somuchforthebeliefthatrichpeopleare“gree
dy”!
Let’sgoon.Areyouprogrammedforsavingmoneyorforspend
ing money? Are you programmed for managing
yourmoneywellormismanagingit?
Are you set for picking winning investments or
pickinglosers? You might wonder, “How could whether or not I
makemoneyinthestockmarketorinrealestatebepartof
42-SecretsoftheMillionaireMind
my blueprint?” Simple. Who picks the stock or the
property?You do. Who picks when you buy it? You do. Who
pickswhenyousellit?Youdo.Iguessyou’vegotsomethingtodow
iththeequation.
I have an acquaintance in San Diego named Larry. Larry is
amagnet when it comes to making money: he definitely has
ahigh income blueprint. But he has the kiss of death when
itcomestoinvestinghismoney.Whateverhebuysdropslikearock
. (Would you believe his dad had the exact same
problem?Duh!) I keep in close touch with Larry so I can ask
him forinvestment advice. It is always perfect... perfectly
wrong!WhateverLarrysuggests,Igotheotherway.Ilove Larry!
On the other hand, notice how other people seem to
havewhat we termed earlier the Midas touch. Everything
they getinvolved with turns to gold. Both the Midas-touch
and thekiss-of-death syndromes are nothing more than the
manifes-tationsofmoneyblueprints.
Once again, your money blueprint will determine your financiallife—
andevenyourpersonallife.Ifyouareawomanwhose
money
blueprint is set for low, chances are you willattract a man
who is also set for low so you can stay in yourfinancial
“comfort zone” and validate your blueprint. If youare a man
who is set for low, chances are you will attract awoman who
is a spender and gets rid of all your money, soyou can stay in
your financial “comfort zone” and validateyourblueprint.
Most people believe the success of their business is primarilydependentontheirbusinessskillsandknowledgeoratleast
their timing of the marketplace. I hate to be the one tobreak
it to you, but that’s la-la land, which is another way
ofsaying,notachance!
YourMoneyBlueprint-43
How well your business does is a result of your
moneyblueprint.Youwillalwaysvalidateyourblueprint.Ifyouhave
a blueprint that is set for earning $100,000 a year, that’s
exactlyhowwellthebusinesswilldo,enoughtoearnyouabout
$100,000ayear.
Ifyouareasalespersonandyourblueprintissetforearning
$50,000ayearandsomehowyoumakeahugesalethatmakesyou
$90,000 that year, either the sale will cancel or if you
doendupwith$90,000,getreadyforacrummyyeartofollowtoma
keupforitandbringyoubacktothelevelofyourfinancialblueprint
.
On the other hand, if you’re set for earning $50,000
andyou’ve been in a slump for a couple of years, don’t
worry,you’llgetitallback.Youhaveto,it’sthesubconsciouslawo
fthe mind and money. Someone in this position would probably walk across the street, get hit by a bus, and end up
withexactly $50,000 a year in insurance! It’s simple: one
way oranother, if you’re set for $50,000 a year, eventually
that’s whatyou’llget.
Soagain,howcanyoutellwhatyourmoneyblueprintissetfor?
One of the most obvious ways is to look at your results.Look
at your bank account. Look at your income. Look
atyournetworth.Lookatyoursuccesswithinvestments.Lookaty
ourbusinesssuccess.Lookatwhetheryou’reaspenderora saver.
Look at whether you manage money well. Look
athowconsistentorinconsistentyouare.Lookathowhardyouwor
kforyourmoney.Lookatyourrelationshipsthatinvolvemoney.
Is money a struggle or does it come to you easily? Do
youown a business or do you have a job? Do you stick with
onebusinessorjobforalongtimeordoyoujumparoundalot?
Yourblueprintislikeathermostat.Ifthetemperaturein
44-SecretsoftheMillionaireMind
the room is seventy-two degrees, chances are good that
thethermostatissetforseventytwodegrees.Nowhere’swhereitgetsinteresting.Isitpossiblethat
becausethewindowisopenanditiscoldoutside,thetemperaturei
ntheroomcandroptosixty-five degrees? Of course, but what
will
eventually
happen?Thethermostatwillkickinandbringthetemperatureback
toseventy-two.
Also,isitpossiblethatbecausethewindowisopenandit’shotou
tside,thetemperatureintheroomcangouptoseventy-seven
degrees? Sure it could, but what will eventually
happen?Thethermostatwillkickinandbringthetemperatureback
toseventy-two.
Theonlywaytopermanentlychangethetemperatureintheroo
mistoresetthethermostat.Inthesameway,theonlywayto change
your level of financial success “permanently” is
toresetyourfinancialthermostat,otherwiseknown
asyourmoneyblueprint.
WEALTHPRINCIPLE:
The only way to permanently change
thetemperature in the room is to reset
thethermostat.Inthesameway,the
onlywaytochange your level of financial
success“permanently” is to reset your
financialthermostat.
You can try anything and everything else you want. You
candevelop your knowledge in business, in marketing, in sales,
innegotiations, and in management. You can become an
expertinrealestateorthestockmarket.Allofthesearetremendous
“tools.”Butintheend,withoutaninner“tool-
YourMoneyBlueprint-45
box” that is big enough and strong enough for you to
createand hold on to large amounts of money, all the tools in
theworldwillbeuselesstoyou.
Onceagain,it’ssimplearithmetic:“Yourincomecangrowonly
totheextentthatyoudo.”
Fortunately or unfortunately, your personal money
andsuccessblueprintwilltendtostaywithyoufortherestofyourlif
e—unless you identify and change it. And that is
exactlywhat we will continue to do in Part II of this book
and
doevenfurtherwithyouattheMillionaireMindIntensiveSemina
r.
Rememberthatthefirstelementofallchangeisawareness.Wat
ch yourself, become conscious, observe your thoughts,your
fears, your beliefs, your habits, your actions, and
evenyourinactions.Putyourselfunderamicroscope.Studyyours
elf.
Mostofusbelievethatweliveourlivesbasedonchoice.Notusually
! Even if we’re really enlightened, we might make just
afewchoicesduringtheaveragedaythatreflectourawarenessof
ourselves in the present moment. But for the most part,we’re
like robots, running on automatic, ruled by our
pastconditioningandoldhabits.That’swhereconsciousnesscom
esin.Consciousnessisobservingyourthoughtsandactions
so
that you can live from true choice in the
presentmomentratherthanbeingrunbyprogrammingfromthepa
st.
WEALTHPRINCIPLE:
Consciousness is observing your thoughts
andactions so that you can live from true choice in
thepresent moment rather than being run
byprogrammingfrom the past.
46-SecretsoftheMillionaireMind
By achieving consciousness, we can live from who we
aretodayratherthanwhowewereyesterday.Inthisway,wecanres
pondappropriatelytosituations,tappingthefullrangeandpotenti
al
of
our
skills
and
talents,
rather
than
inappropriatelyreacting to events, driven by the fears and
insecurities of thepast.
Onceyouareconscious,youcanseeyourprogrammingforwha
titis:simplyarecordingofinformationyoureceivedandbelieved
in the past, when you were too young to know anybetter.
You can see that this conditioning is not who you arebut
who you learned to be. You can see that you are not
the“recording” but the “recorder.” You are not the “content”
inthe glass but the “glass” itself. You are not the software
butthehardware.
Yes, genetics may play a role, and, yes, spiritual aspects
maycome into play, but much of what shapes who you are
comesfrom other people’s beliefs and information. As I
suggestedearlier, beliefs are not necessarily true or false or
right orwrong, but regardless of their validity, beliefs are
opinions
thatarepassedaroundandaroundandthendownfromgenerationt
ogenerationtoyou.
Knowing
this,youcan
consciouslychoosetoreleaseanybelieforway
ofbeingthatisnotsupportivetoyourwealth,andyoucanreplaceit
withonethatis.
Inourcoursesweteachthat“nothoughtlivesinyourheadrentfree.”Eachthoughtyouhavewilleitherbeaninvestmentor a cost.
It will either move you toward happiness and successor away
from
it.
It
will
either
empower
you
or
disempoweryou.That’swhyitisimperativeyouchooseyourthou
ghtsandbeliefswisely.
Realize that your thoughts and beliefs aren’t who you
are,andtheyarenotnecessarilyattachedtoyou.Aspreciousas
YourMoneyBlueprint.47
you believe them to be, they have no more importance
andmeaning than you give them. Nothing has meaning except for
themeaningyougiveit.
Recall how at the beginning of this book I suggested
youdon’tbelieveawordIsay?Well,ifyoureallywanttotakeoffin
yourlife,don’tbelieveawordyousay.Andifyouwantinstantenlightenment,don’tbelieveathoughtyouthink.
Meanwhile,ifyou’relikemostpeople,you’regoingtobe-lieve
something, so you might as well adopt beliefs that sup-port
you, rich beliefs. Remember, thoughts lead to feelings,which
lead to actions, which lead to results. You can choose tothink
and act like rich people do and therefore create
theresultsthatrichpeoplecreate.
The question is, “How do rich people think and
act?”That’sexactlywhatyou’lldiscoverinPartIIofthisbook.
Ifyouwanttochangeyourfinanciallifeforever,readon!
DECLARATION: Placeyourhandonyourheartandsay...
“Iobservemythoughtsandentertainonlythosethatem
powerme.”
Touchyourheadandsay...
“Ihave amillionairemind!”
48-SecretsoftheMillionaireMind
SuccessStoryfromRhonda&BobBaines
From: Rhonda & Bob Baines To: T. Harv Eker Subject: We
feelfree!
We went to the Millionaire Mind Intensive not really
knowingwhat to expect. We were very impressed with the results.
Beforeattending the seminar, we were having a lot of money
problems.We never seemed to get ahead. We would continually
be in debtand not know why. We would pay off our credit cards
(usually froma large bonus at work), only to get back into debt
withinsixmonths. It did not matter how much money we made. We
wereveryfrustratedand argueda lot.
Then we attended Millionaire Mind. While listening to Harv,
myhusband and I kept squeezing each other’s leg and smiling
andlooking at each other. We heard so much information that had
ussaying,“Nowonder,”“Oh,sothat’swhy,”“Everythingmakessenseno
w.” Wewereveryexcited.
We learned how he and I think so differently when it comes
tomoney. How he is a “spender” and how I am an “avoider.” What
ahorrible combination! After hearing the information, we
stoppedblaming each other and started understanding each other
andultimatelystartedtoappreciateandloveeachothermore.
It is almost a year later and we still do not argue about money—
we just talk about what we learned. We are no longer in debt;
infact we have money in savings, the first time in our 16yearrelationship—yeah!Wenownotonlyhavemoneyforourfuture,but
we also have enough money for our normal everydayexpenses,
playing, education, long-term savings for a home, andwe even
have money to share and give away. It feels wonderfulknowing
that we can use money in those areas and not feel guiltybecause
we allocatedanddedicateditforthatpurpose.
Wefeel free.
Thankyouverymuch,Harv.
PARTTWO
TheWealthFiles
SeventeenWaysRichPeopleThink
and Act Differently from
PoorandMiddle-ClassPeople
I
NPARTIOFTHISBOOKWEDISCUSSEDTHEPROCESS
of Manifestation. Recall that thoughts lead to feelings,
feelingslead to actions, and actions lead to results.
Everything beginswith your thoughts—which are produced
by your mind. Isn’tit amazing that our mind is pretty much
the basis for our lifeand yet most of us have no clue as to
how this powerfulapparatus functions? So let’s start by
taking a simple look athow your mind works.
Metaphorically,
your
mind
is
nothingmorethanabigfilecabinet,similartowhatyou’dfindinyo
uroffice or home. All information that comes in is labeled
andfiledinfolderssothatit’seasytoretrievetohelpyousurvive.Di
dyouhearthat?Ididn’tsaythrive,Isaidsurvive.
In every situation, you go to the files of your mind to determinehowtorespond.Say,forexample,you’reconsideringa
financial opportunity. You automatically go to your
filelabeled money and from there decide what to do. The
onlythoughtsyoucanhaveaboutmoneywillbewhatarestored
50-SecretsoftheMillionaireMind
in your money file. That’s all you can think about,
becausethat’sallthatisinyourmindunderthatcategory.
You decide based on what you believe is logical,
sensible,andappropriateforyouatthetime.Youmakewhatyouth
inkis the right choice. The problem, however, is that your
rightchoice may not be a successful choice. In fact, what
makesperfect sense to you may consistently produce
perfectly poorresults.
For instance, let’s say my wife is in the mall. That
shouldn’tbe too hard for me to imagine. She sees this green
purse. It’son sale for 25 percent off. She immediately goes to
her
mindfileswiththequestion“ShouldIgetthispurse?”Inananosec
ond,hermindfilescomebackwiththeanswer:“You’vebeenlooki
ngforagreenpursetogowiththosegreenshoes you bought last
week. Plus it’s just the right size. Buy it!”As she rushes to the
checkout counter, her mind is not onlythrilled that she’s
going
to
have
this
beautiful
purse,
butglowingwithpridethatshegotitfor25percentoff.
Tohermind,thispurchasemakesperfectsense.Shewantsit,sh
ebelievessheneedsit,anditis“suchadeal.”However,atnopointdi
dhermindcomeupwiththethought“True,thisisareallynicepurse
,andtrue,thisisagreatdeal,butrightnowI’mthreethousanddollar
sindebt,soI’dbetterholdoff.”She didn’t come up with that
information because no file
inherheadcontainsthat.Thefileof“Whenyou’reindebt,don’tbu
yanymore”wasneverinstalledinheranddoesn’texist,
whichmeansthatparticularchoiceisnotanoption.
Do you catch my drift? If you’ve got files in your
cabinetthat are nonsupportive to financial success, those will
be theonlychoicesyoucanmake.They’llbenatural,automatic,
The Wealth Files-51
and make perfect sense to you. But in the end, they will
stillproduce financial failure or mediocrity at best.
Conversely, ifyou’ve got mind files that support financial
success,
you
willnaturallyandautomaticallymakedecisionsthatproducesucc
ess. You won’t have to think about it. Your normal way
ofthinkingwillresultinsuccess,kindoflikeDonaldTrump.Hisno
rmalwayofthinkingproduceswealth.
When it comes to money, wouldn’t it be incredible if
youcouldinherentlythinkhowrichpeoplethink?Isurehopeyous
aid“absolutely”orsomethingtothateffect.
Well,youcan!
As we stated previously, the first step to any change
isawareness, meaning the first step to thinking the way
richpeoplethinkistoknowhowrichpeoplethink.
Rich people think very differently from poor and middleclass people. They think differently about money,
wealth,themselves,otherpeople,andprettywelleveryotherfacet
oflife. In Part II of this book, we’re going to examine some
ofthese differences and, as part of your reconditioning,
installseventeenalternative“wealthfiles”intoyourmind.Withne
wfiles come new choices. You can then catch yourself when
youare thinking like poor and middle-class people and
consciouslyshiftyourfocustohowrichpeoplethink.Remember,y
oucanchoose to think in ways that will support you in your
happinessandsuccessinsteadofwaysthatdon’t.
WEALTHPRINCIPLE:
You can choose to think in ways that
willsupport you in your happiness and
successinsteadof ways that don’t.
52-SecretsoftheMillionaireMind
Afewcaveatstobegin.First,innoway,shape,orformdoImean
to degrade poor people or want to appear to be
withoutcompassionfortheirsituation.Idonotbelievethatrichpe
oplearebetterthanpoorpeople.They’rejustricher.Atthesame
time, I want to make sure you get the message, so I’mgoing
to make the distinctions between the rich and poor
asextremeaspossible.
Second,whenIdiscussrich,poor,andmiddleclasspeople,what I am referring to is their mentality—how
different folksthink and act rather than the actual amount of
money they’vegotortheirvaluetosociety.
Third, I will be generalizing “big time.” I understand
thatnotallrichandnotallpoorpeoplearethewayI’mdescribingth
em to be. Again, my objective is to make sure you get
thepointofeachprincipleanduseit.
Fourth, for the most part, I will not always be referring
tothe middle class specifically, because middle-class
peopleusually have a mix of rich and poor mentalities. Again,
my goalis for you to become aware of where you fit on the
scale
andtothinkmoreliketherichifyouwanttocreatemorewealth.
Fifth,severaloftheprinciplesinthissectionmayappeartodeal
morewithhabitsandactionsthanwithwaysofthinking.Rememb
er, our actions come from our feelings, which comefrom our
thoughts.
Consequently,
every
rich
action
is
precededbyarichwayofthinking.
Finally,I’mgoingtoaskyoutobewillingtoletgoofbeingright!
WhatImeanbythatis,bewillingtoletgoofhavingtodo it your
way. Why? Because your way has gotten you exactlywhat
you’ve got right now. If you want more of the same,
keepdoingityourway.Ifyou’renotyetrich,however,maybeit’sti
meyouconsideradifferentway,especially
The Wealth Files-53
one that comes from someone who is really, really rich and
hasput thousands of others on the road to wealth too. It’s up
toyou.
The concepts you are about to learn are simple but profound. They make real changes for real people in the
realworld. How do I know? At my company, Peak
PotentialsTraining, we get thousands of letters and e-mails
each yeartelling us how each individual wealth file has
transformedpeople’slives.Ifyoulearnthemandusethem,Iamco
nfidenttheywilltransformyourlifetoo.
Attheendofeachsectionyouwillfindadeclarationandaphysic
almovementwithwhichto“anchor”itintoyourbody.
Youwillalsofindactionstotaketosupportyouinadoptingthisw
ealthfile.Itisimperativeyouputeachfileintoactioninyour life as
quickly as possible so that the knowledge can moveto a
physical, cellular level and create lasting and
permanentchange.
Mostpeopleunderstandwearecreaturesofhabit,butwhatthey
don’trealizeisthatthereareactuallytwokindsofhabits:doing
habits and not-doing habits. Everything you are not doingright
now, you are in the habit of not doing. The only way
tochangethesenotdoinghabitsintodoinghabitsistodothem.Readingwillassistyou,
butit’sawholedifferentworldwhenyou go from reading to
doing.
If
you
are
truly
serious
aboutsuccess,proveit,anddotheactionssuggested.
54-SecretsoftheMillionaireMind
WealthFile#1
Rich people believe “I create my
life.”Poorpeoplebelieve“Lifehappenstome
.”
If you want to create wealth, it is imperative that you
believethatyouareatthesteeringwheelofyourlife,especiallyyou
rfinancial life. If you don’t believe this, then you must inherently believe that you have little or no control over your
life,andthereforeyouhavelittleornocontroloveryourfinancials
uccess.Thatisnotarichattitude.
Didyouevernoticethatit’susuallypoorpeoplewhospenda
fortune playing the lottery? They actually believe their wealthis
going to come from someone picking their name out of ahat.
They spend Saturday night glued to the TV,
excitedlywatchingthedraw,toseeifwealthisgoingto“land”onth
emthisweek.
Sure, everyone wants to win the lottery, and even
richpeopleplayforfunonceinawhile.Butfirst,theydon’tspendha
lftheirpaycheckontickets,andsecond,winningthelottoisnotthei
rprimary“strategy”forcreatingwealth.
You have to believe that you are the one who creates
yoursuccess,thatyouaretheonewhocreatesyourmediocrity,and
thatyouaretheonecreatingyourstrugglearoundmoneyandsucce
ss.Consciouslyorunconsciously,it’sstillyou.
Insteadoftakingresponsibilityforwhat’sgoingonintheirlives
, poor people choose to play the role of the victim. Avictim’s
predominant thought is often “poor me.” So presto,by virtue
of the law of intention, that’s literally what
victimsget:theygettobe“poor.”
Notice that I said they play the role of victim. I didn’t
saytheyarevictims.Idon’tbelieveanyoneisavictim.Ibelieve
The Wealth Files. 55
people play the victim because they think it gets them something.We’lldiscussthisinmoredetailshortly.
That said, how can you tell when people are playing
thevictim?Theyleavethreeobviousclues.
Now,beforewetalkabouttheseclues,Iwantyoutorealizethat I
fully understand that none of these ways of being
hasanythingtodowithanyonereadingthisbook.Butmaybe,just
maybe, you might know someone who can relate. And
maybe,just maybe, you might know that person intimately!
Eitherway,Isuggestyoupaycloseattentiontothissection.
VictimClue#1:Blame
When it comes to why they’re not rich, most victims
areprofessionalsatthe“blamegame.”Theobjectofthisgameisto
see how many people and circumstances you can point
thefingeratwithouteverlookingatyourself.It’sfunforvictimsat
least. Unfortunately it’s not such a blast for anyone else
whoisunluckyenoughtobearoundthem.That’sbecausethoseinc
loseproximitytovictimsbecomeeasytargets.
Victims blame the economy, they blame the
government,they blame the stock market, they blame their
broker,
theyblametheirtypeofbusiness,theyblametheiremployer,theyb
lametheiremployees,theyblametheirmanager,theyblamethe
head office, they blame their up-line or their downline,theyblamecustomerservice,theyblametheshippingdepart
ment,theyblametheirpartner,theyblametheirspouse,theyblam
eGod,andofcoursetheyalwaysblametheirparents. It’s always
someone
else
or
something
else
that
is
toblame.Theproblemisanythingoranyonebutthem.
56-SecretsoftheMillionaireMind
Victim Clue#2: Justifying
If victims aren’t blaming, you’ll often find them justifying
orrationalizing their situation by saying something like
“Money’snot really important.” Let me ask you this question: If
you saidthat your husband or your wife, or your boyfriend or
yourgirlfriend, or your partner or your friend, weren’t all
thatimportant, would any of them be around for long? I
don’tthinkso,andneitherwouldmoney!
At my live seminars, some participants always come up
tome and say, “You know, Harv, money’s not really that important.” I look them directly in the eyes and say,
“You’rebroke! Right?” They usually look down at their feet
andmeeklyreplywithsomethinglike“Well,rightnowI’mhavinga
few financial challenges, but . . .” I interrupt, “No, it’s
notjustrightnow,it’salways;you’vealwaysbeenbrokeorclosetoit,
yes or yes?” At this point they usually nod their head
inagreement and woefully return to their seats, ready to
listenand learn, as they finally realize what a disastrous
effect thisonebeliefhashadontheirlives.
Ofcoursethey’rebroke.Wouldyouhaveamotorcycleifitwasn
’timportanttoyou?Ofcoursenot.Wouldyouhaveapetparrot if it
wasn’t important to you? Of course not. In
thesameway,ifyoudon’tthinkmoneyisimportant,yousimplywo
n’thaveany.
You can actually dazzle your friends with this
insight.Imagineyou’reinaconversationwithafriendwhotellsyo
u,“Money’s not important.” Put your hand on your
foreheadand look up as though you are getting a message
from
theheavens,thenexclaim,“You’rebroke!”Towhichyourshocke
dfriendwillundoubtedlyrespond,“Howdidyouknow?”Thenyo
ustretchoutyourpalmandyoureply,
TheWealth Files-57
“What else do you want to know? That’ll be fifty
bucks,please!”
Let me put it bluntly: anyone who says money isn’t important doesn’t have any! Rich people understand the importance of money and the place it has in our society. On
theother hand, poor people validate their financial ineptitude
byusing irrelevant comparisons. They’ll argue, “Well, money
isn’tasimportantaslove.”Now,isthatcomparisondumborwhat?
What’smoreimportant,yourarmoryourleg?Maybethey’rebothi
mportant.
Listenup,myfriends:Moneyisextremelyimportantinthearea
s in which it works, and extremely unimportant in theareas
in which it doesn’t. And although love may make theworld
go round, it sure doesn’t pay for the building of
anyhospitals,churches,orhomes.Italsodoesn’tfeedanybody.
WEALTHPRINCIPLE:
Money is extremely important in the
areasinwhich
itworks,andextremelyunimportant
inthe areasinwhichitdoesn’t.
Not convinced? Try paying your bills with love. Still
notsure? Then pop on over to the bank and try depositing
someloveandseewhathappens.I’llsaveyouthetrouble.Theteller
willlookatyouasifyou’vejustgoneAWOLfromtheloonybinand
screamonlyoneword:“Security!”
Norichpeoplebelievemoneyisnotimportant.AndifI’vefailed
to persuade you and you still somehow believe thatmoney’s
not important, then I have only two words for you,you’re
broke, and you always will be until you eradicate
thatnonsupportivefilefromyourfinancialblueprint.
58-SecretsoftheMillionaireMind
Victim Clue#3: Complaining
Complainingistheabsoluteworstpossiblethingyoucoulddofory
ourhealthoryourwealth.Theworst!Why?
I’m a big believer in the universal law that states, “What
youfocus on expands.” When you are complaining, what are
youfocusingon,what’srightwithyourlifeorwhat’swrongwithit
? You are obviously focusing on what’s wrong with it,
andsincewhatyoufocusonexpands,you’llkeepgettingmoreofw
hat’swrong.
Manyteachersinthepersonaldevelopmentfieldtalkaboutthe
LawofAttraction.Itstatesthat“likeattractslike,”meaning that
when you are complaining, you are actually attracting“crap”intoyourlife.
WEALTHPRINCIPLE:
When you are complaining, you become a
living,breathing“crap magnet.”
Have you ever noticed that complainers usually have
atoughlife?Itseemsthateverythingthatcouldgowrongdoesgo
wrong for them. They say, “Of course I complain—
lookhow crappy my life is.” And now that you know better,
youcan explain to them, “No, it’s because you complain that
yourlifeissocrappy.Shutup...anddon’tstandnearme!”
Which brings us to another point. You have to make
darnsure not to put yourself in the proximity of complainers. If
youabsolutely have to be nearby, make sure you bring a
steelumbrellaorthecrapmeantforthemwillgetyoutoo!
I stay as far away from complainers as possible
becausenegativeenergyisinfectious.Plentyofpeople,however,l
ove
The WealthFiles.59
to hang out and listen to complainers. Why? It’s simple:
they’rewaiting for their turn! “You think that’s bad? Wait till
you hearwhathappenedtome!”
Here’s some homework that I promise will change your
life.Forthenextsevendays,Ichallengeyoutonotcomplainatall.N
otjustoutloud,butinyourheadaswell.Butyouhavetodoitforthef
ullsevendays.Why?Becauseforthefirstfewdays,you may still
have
some
“residual
crap”
coming
to
you
frombefore.Unfortunately,crapdoesn’ttravelatthespeedoflight
,you know, it travels at the speed of crap, so it might take
awhiletoclearout.
I’ve given this challenge to thousands of people, and
I’mblown away at how many of them have told me that this
one,teensy-weensy exercise has transformed their lives. I
guaranteeyou’ll be astonished at how amazing your life will be
when
youstopfocusingon—andtherebystopattracting—
crapintoyourlife.Ifyou’vebeena complainer, forgetabout
attractingsuccess for now; for most people, just getting to
“neutral”wouldbeagreatstart!
Blame, justification, and complaining are like pills. They
arenothingmorethanstressreducers.Theyalleviatethestressoffa
ilure. Think about it. If a person weren’t failing in some
way,shape, or form, would he or she need to blame, justify,
orcomplain?Theobviousanswerisno.
From now on, as you hear yourself disastrously
blaming,justifying, or complaining, cease and desist
immediately.
Remindyourselfthatyouarecreatingyourlifeandthatateverymome
ntyouwillbeattractingeithersuccessorcrapintoyourlife. It is
imperative you choose your thoughts and wordswisely!
Now you’re ready to hear one of the greatest secrets in
theworld.Areyouready?Readthiscarefully:Thereisnosuch
60-SecretsoftheMillionaireMind
thing as a really rich victim! Did you get that? I’ll say it
again:There is no such thing as a really rich victim. Besides,
whowouldlisten?“Tsk,tsk,Igotascratchinmyyacht.”Towhicha
lmostanyonewouldrespond,“Whogivesahoot?”
WEALTHPRINCIPLE:
Thereisno suchthingas areallyrich victim!
Meanwhile, being a victim definitely has its rewards. Whatdo
people get out of being a victim? The answer is attention.
Isattention important? You bet it is. In some form or
anotherit’s what almost everyone lives for. And the reason
people livefor attention is that they’ve made a critical
mistake.
It
is
thesameerrorthatvirtuallyallofushavemade.We’veconfusedatt
entionwithlove.
Believeme,itisvirtuallyimpossibletobetrulyhappyandsucce
ssful when you’re constantly yearning for attention. Becauseifit’sattentionyouwant,you’reatthemercyofothers.You
usually end up as a “people pleaser” begging for
approval.Attentionseekingisalsoaproblembecausepeopletendtodostupid things
to
get
it.
It
is
imperative
to
“unhook”
attentionandlove,foranumberofreasons.
First,youwillbemoresuccessful;second,youwillbehap-pier;
and third, you can find “true” love in your life. For
themostpart,whenpeopleconfuseloveandattention,theydon’tlo
ve each other in the true spiritual sense of the word.
Theylove each other largely from the place of their own ego,
as in“I love what you do for me.” Therefore, the relationship
isreally about the individual, and not about the other person
oratleastthebothofyou.
Bydisconnectingattentionfromlove,youwillbefreed
The WealthFiles.61
up to love another for who they are, rather than what they
doforyou.
Now,asIsaid,thereisnosuchthingasarichvictim.Sotostayavi
ctim,attentionseekersmakedarnsuretheynevergetrich.
It’stimetodecide.Youcanbeavictimoryoucanberich,butyou
can’tbeboth.Listenup!Everytime,andImeaneverytime,
you
blame, justify, or complain, you are slitting yourfinancial
throat. Sure, it would be nice to use a kinder and gentlermetaphor,
but forget it. I’m not interested in kind or gentleright now.
I’m interested in helping you see exactly what theheck you’re
doing to yourself ! Later, once you get rich, we
canbekinderandgentler,how’sthat?
It’stimetotakebackyourpowerandacknowledgethatyoucreat
eeverythingthatisinyourlifeandeverythingthatisnotin
it.
Realize that you create your wealth, your non-wealth,
andeverylevelinbetween.
DECLARATION:Placeyourhandonyourheartandsay...
“Icreatetheexactlevelofmyfinancialsuccess!”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Every time you catch yourself blaming, justifying,
orcomplaining,slideyourindexfingeracrossyourneck,asa
trigger to remind yourself that you are slitting
yourfinancial throat. Once again, even though this
gesturemay seem a little crude to do to yourself, it’s no
morecrudethanwhatyou’redoingtoyourselfbyblaming,
62-SecretsoftheMillionaireMind
justifying,orcomplaining,anditwilleventuallyworktoal
leviatethesedestructivehabits.
2. Do a “debrief.” At the end of each day, write down
onethingthatwentwellandonethingthatdidn’t.Thenwritet
he answer to the following question: “How did I
createeach of these situations?” If others were
involved, askyourself, “What was my part in creating
each of thesesituations?” This exercise will keep you
accountable foryour life and make you aware of the
strategies
that
areworkingforyouandthestrategiesthatarenot.
Special Bonus: Go to www.millionairemindbook.com and
clickon“FREEBOOKBONUSES”toreceiveyourfreeMillionai
reMind“actionreminders.”
WealthFile#2
Richpeopleplay themoney gametowin.
Poor people play themoney game to notlose.
Poor people play the money game on defense rather than offense. Let me ask you: If you were to play any sport or
anygame strictly on defense, what are the chances of your
winningthatgame?Mostpeoplewouldagree,slimandnone.
Yet that’s exactly how most people play the money
game.Their primary concern is survival and security instead
ofcreating wealth and abundance. So, what is your goal? What
isyourobjective?Whatisyourtrueintention?
Thegoaloftrulyrichpeopleistohavemassivewealthandabund
ance.Notjustsomemoney,butlotsofmoney.Sowhatisthebiggoa
lofpoorpeople?To“haveenoughtopay
TheWealthFiles-63
the bills... and on time would be a miracle!” Again, let
meremindyouofthepowerofintention.Whenyourintentionisto
have enough to pay the bills, that’s exactly how much
you’llget—justenoughtopaythebillsandnotadimemore.
Middle-class people at least go a step further... too bad it’s
atiny step. Their big goal in life also happens to be their
favoritewordinthewholewideworld.Theyjustwanttobe“comfo
rtable.” I hate to break the news to you, but there’s
ahugedifferencebetweenbeingcomfortableandbeingrich.
I have to admit, I didn’t always know that. But one of
thereasons I believe I have the right to even write this book
isthat I’ve had the experience of being on all three sides of
theproverbial fence. I’ve been extremely broke, as in having
toborrow a dollar for gas for my car. But let me qualify
that.First,itwasn’tmycar.Second,thatdollarcameintheformoff
our quarters. Do you know how embarrassing it is for
anadult to pay for gas with four quarters? The kid at the
pumplookedatmeasifIweresomekindofvending-machinerobberandthenjustshookhisheadandlaughed.Idon’tknowifyou
can relate, but it was definitely one of my financial
lowpointsandunfortunatelyjustoneofthem.
OnceIgotmyacttogether,Igraduatedtothelevelofbeingcomfo
rtable. Comfortable is nice. At least you go out to
decentrestaurantsforachange.ButprettymuchallIcouldorderwa
schicken. Now, there’s nothing wrong with chicken, if
that’swhatyoureallywant.Butoftenit’snot.
In fact, people who are only financially comfortable
usuallydecide on what to eat by looking at the right-hand
side
of
themenu—
thepriceside.“Whatwouldyoulikefordinnertonight,
dear?”
“I’ll have this $7.95 dish. Let’s see what it is.Surprise,
surprise, it’s the chicken,” for the nineteenth timethisweek!
64-SecretsoftheMillionaireMind
When you’re comfortable, you don’t dare allow your eyes
tolook at the bottom of the menu, for if you did, you
mightcome across the most forbidden words in the middleclassdictionary: market price! And even if you were curious,
you’dnever ask what the price actually is. First, because you
knowyou can’t afford it. Second, it’s downright embarrassing
whenyouknowthewaiterdoesn’tbelieveyouwhenhetellsyouthe
dish is $49 with side dishes extra and you say, “You
knowwhat, for some reason, I have a real craving for
chickentonight!”
I have to say that for me personally, one of the best
thingsabout being rich is not having to look at the prices on
themenu anymore. I eat exactly what I want to eat regardless
ofthe price. I can assure you, I didn’t do that when I was broke
orcomfortable.
It boils down to this: If your goal is to be
comfortable,chancesareyou’llnevergetrich.Butifyourgoalisto
berich,chancesareyou’llendupmightycomfortable.
WEALTHPRINCIPLE:
If your goal is to be comfortable, chances
areyou’ll never get rich. But if your goal is to be
rich,chancesare you’llendupmightycomfortable.
One of the principles we teach in our programs is “If
youshoot for the stars, you’ll at least hit the moon.” Poor
peopledon’t even shoot for the ceiling in their house, and
then
theywonderwhythey’renotsuccessful.Well,theyjustfoundout.
You get what you truly intend to get. If you want to get
rich,your goal has to be rich. Not to have enough to pay the
bills,and not just to have enough to be comfortable. Rich
meansrich!
TheWealthFiles-65
DECLARATION:Placeyourhandonyourheartandsay...
“Mygoalistobecomeamillionaireandmore!”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Write down two financial objectives that
demonstrateyour intention to create abundance, not
mediocrity orpoverty.Write“playtowin”goalsforyour:
a. Annualincome
b. Networth
Make these goals achievable with a realistic
timeframe,yetatthesametimerememberto“shootfor
thestars.”
2. Gotoanupscalerestaurantandorderamealat“marketprice
” without asking how much it costs. (If funds
aretight,sharingisacceptable.)
P.S. No chicken!
WealthFile#3
Richpeoplearecommittedtobeingrich.
Poorpeoplewanttoberich.
Askmostpeopleiftheywanttoberichandthey’dlookatyouasifyo
uwerecrazy.“OfcourseIwanttoberich,”they’dsay.Thetruth,ho
wever,isthatmostpeopledon’treallywanttoberich.Why?Becau
setheyhavealotofnegativewealth
66-SecretsoftheMillionaireMind
files in their subconscious mind that tell them there is somethingwrongwithbeingrich.
At our Millionaire Mind Intensive Seminar, one of
thequestions we ask people is “What are some of the
possiblenegativesaboutbeingrichortryingtogetrich?”
Here’swhatsomepeoplehavetosay.Seeifyoucanrelatetoany
ofthese.
“What if I make it and lose it? Then I’ll really be a
failure.”“I’llneverknowifpeoplelikemeformyselforformy
money.”
“I’llbe at thehighest tax bracket andhaveto give
halfmymoneytothegovernment.”
“It’stoomuchwork.”
“Icouldlosemyhealthtrying.”
“Myfriendsandfamilywillsay,‘Whodoyouthinkyouare?’an
dcriticizeme.”
“Everyone’sgoingtowantahandout.”“Ic
ouldberobbed.”
“Mykidscouldbekidnapped.”
“It’s too much responsibility. I’ll have to manage all
thatmoney.I’llhavetoreallyunderstandinvestments.I’llhaveto
worry about tax strategies and asset protection and have
tohireexpensive accountantsand lawyers.Yuck, what ahassle.”
Andonandonitgoes....
As I mentioned earlier, each of us has a wealth file
insidethe cabinet called our mind. This file contains our
personalbeliefsthatincludewhybeingrichwouldbewonderful.
However,formanypeople,thisfilealsoincludesinformationas
to why being rich might not be so wonderful. This
meansthey have mixed internal messages about wealth. One
part ofthemgleefullysays,“Havingmoremoneywillmake
TheWealthFiles-67
lifealotmorefun.”Butthenanotherpartscreams,“Yeah,butI’mg
oingtohavetoworklikeadog!Whatfunisthat?”Onepartsays,“I’l
lbeabletotraveltheworld.”Thentheotherpartchirps in, “Yeah,
and
everyone
in
the
world
will
want
ahandout.”Thesemixedmessagesmayseeminnocentenough,bu
t in reality, they are one of the major reasons most
peopleneverbecomerich.
Youcanlookatitlikethis.Theuniverse,whichisanotherway
of saying “higher power,” is akin to a big mail-order department.Itisconstantlydeliveringpeople,events,andthingstoy
ou.You“order”whatyougetbysendingenergeticmessages out
to the universe based on your predominant beliefs.Again,basedontheLawofAttraction,theuniversewilldo its
best to say yes and support you. But if you have
mixedmessagesinyourfile,theuniversecan’tunderstandwhatyo
uwant.
One minute the universe hears that you want to be rich,
soit begins sending you opportunities for wealth. But then
ithears you say, “Rich people are greedy,” so the universe
beginstosupportyouinnothavingmuchmoney.Butthenyouthink
,“Havingalotofmoneymakeslifesomuchmoreenjoyable,”sothe
pooruniverse,dazedandconfused,restartssendingyouopportuni
ties for more money. The next day you’re in
anuninspiredmoodsoyouthink,“Money’snotthatimportant.”T
he frustrated universe finally screams, “Make up your
frickin’mind!I’llgetyouwhatyouwant,justtellmewhatitis!”
The number one reason most people don’t get what they want is
thatthey don’t know what they want. Rich people are totally clear
thatthey want wealth. They are unwavering in their desire.
Theyare fully committed to creating wealth. As long as it’s
legal,moral,andethical,theywilldowhateverittakes
68-SecretsoftheMillionaireMind
to have wealth. Rich people do not send mixed messages
totheuniverse.Poorpeopledo.
(By the way, when you read that last paragraph, if a
littlevoice inside your head said something to the effect of
“Richpeopledon’tcareifit’slegal,moral,orethical,”youaredefinitely doing the right thing in reading this book. You’ll
soonfindoutwhatadetrimentalwayofthinkingthatis.)
WEALTHPRINCIPLE:
The number one reason most
peopledon’t get what they want is
that theydon’tknow what theywant.
Poor people have plenty of good reasons as to why
gettingand actually being rich might be a problem.
Consequently, theyare not 100 percent certain they really
want
to
be
rich.
Theirmessagetotheuniverseisconfusing.Theirmessagetoother
sis confusing. And why does all of this confusion
happen?Becausetheirmessagetothemselvesisconfusing.
Earlier we talked about the power of intention. I know
itmightbehardtobelieve,butyoualwaysgetwhatyouwant—
what you subconsciously want, not what you say you want.
Youmight emphatically deny this and respond, “That’s crazy!
WhywouldIwanttostruggle?”Andmyquestionforyouisexactlyt
hesame:“Idon’tknow.Whywouldyouwanttostruggle?”
Ifyouwanttodiscoverthereason,IinviteyoutoattendtheMillio
naire Mind Intensive Seminar, where you will identifyyour
money blueprint. The answer will be staring you in theface.
Put bluntly, if you are not achieving the wealth you
sayyoudesire,there’sagoodchanceit’sbecause,
The Wealth Files. 69
first, you subconsciously don’t really want wealth, or
second,you’renotwillingtodowhatittakestocreateit.
Let’sexplorethisfurther.Thereareactuallythreelevelsofsocalledwanting.Thefirstlevelis“Iwanttoberich.”That’sanotherw
ayofsaying,“I’lltakeitifitfallsinmylap.”Wantingaloneisuseless.
Haveyounoticedthatwantingdoesn’tnecessarily
lead
to
“having”?
Notice
also
that
wanting
withouthavingleadstomorewanting.Wantingbecomeshabitual
andleads only to itself, creating a perfect circle that goes
exactlynowhere.Wealthdoesnotcomefrommerelywantingit.H
owdoyouknowthisistrue?Withasimplerealitycheck:billionsof
peoplewanttoberich,relativelyfeware.
The second level of wanting is “I choose to be rich.”
Thisentails deciding to become rich. Choosing is a much
strongerenergy and goes hand in hand with being
responsible forcreating your reality. The word decision comes
from the Latinword decidere, which means “to kill off any other
alternatives.”Choosingisbetterbutnotbest.
The third level of wanting is “I commit to being rich.”
Thedefinition of the word commit is “to devote oneself unreservedly.” This means holding absolutely nothing back;
giving100 percent of everything you’ve got to achieving
wealth. Itmeans being willing to do whatever it takes for as
long as ittakes. This is the warrior’s way. No excuses, no ifs, no
buts, nomaybes—and failure is not an option. The warrior’s
way issimple:“IwillberichorIwilldietrying.”
“Icommittobeingrich.”Trysayingthattoyourself....
What comes up for you? For some, it feels empowering.
Forothers,itfeelsdaunting.
Mostpeoplewouldnevertrulycommittobeingrich.Ifyouaske
dthem,“Wouldyoubetyourlifethatinthenext
70-SecretsoftheMillionaireMind
ten years you will be wealthy?” most would say, “No
way!”That’s the difference between rich people and poor
people.
It’spreciselybecausepeoplewon’ttrulycommittobeingrichthatt
heyarenotrichandmostlikelyneverwillbe.
Somemightsay,“Harv,whatareyoutalkingabout?Iworkmyb
uttoff,I’mtryingrealhard.OfcourseI’mcommittedtobeing
rich.” And I would reply, “That you’re trying
meanslittle.Thedefinitionofcommitmentistodevoteoneselfunr
eservedly.”Thekeywordis
unreservedly.Whichmeansyou’re
putting everything, and I mean everything, you’ve
gotintoit.MostpeopleIknowwhoarenotfinanciallysuccessfulh
ave limits on how much they are willing to do, how
muchthey are willing to risk, and how much they are willing
tosacrifice. Although they think they’re willing to do whatever
ittakes,upondeeperquestioningIalwaysfindtheyhaveplentyofc
onditionsaroundwhattheyarewillingtodoandnotdotosucceed!
Ihatetohavetobetheonetotellyouthis,butgettingrichisnotastr
ollinthepark,andanyonewhotellsyouitiseitherknows a heck of
a lot more than me or is a little out of in-tegrity. In my
experience, getting rich takes focus, courage,knowledge,
expertise, 100 percent of your effort, a never-give-up attitude,
and of course a rich mind-set. You also have tobelieve in
your heart of hearts that you can create wealth andthat you
absolutely deserve it. Again, what this means is that, ifyou are
not
fully,
totally,
and
truly
committed
to
creatingwealth,chancesareyouwon’t.
WEALTHPRINCIPLE:
If you are not fully, totally, and truly
committedtocreatingwealth, chancesare you
won’t.
TheWealth Files-71
Are you willing to work sixteen hours a day? Rich
peopleare. Are you willing to work seven days a week and
give upmostofyourweekends?
Richpeopleare.Areyouwillingtosacrifice seeing your family,
your friends, and give up
yourrecreationsandhobbies?Richpeopleare.Areyouwillingtori
sk allyourtime,energy,andstart-upcapitalwith no guaranteeofreturns?Richpeopleare.
Foratime,hopefullyashorttimebutoftenalongtime,richpeopl
earereadyandwillingtodoallof theabove.Areyou?
Maybe you’ll be lucky and you won’t have to work long
orhardorsacrificeanything.Youcanwishforthat,butIsurewould
n’t count on it. Again, rich people are
committedenoughtodowhateverittakes.Period.
It’s interesting to note, however, that once you do
commit,theuniversewillbendoverbackwardtosupportyou.On
eofmy favorite passages is by explorer W. H. Murray, who
wrotethefollowingduringoneofthefirstHimalayanexpeditions:
Untiloneiscommitted,thereishesitancy,thechancetodrawback,alwaysineffectiv
eness.Concerningallactsofinitiative(andcreation),thereisoneelementarytruth,th
eignoranceofwhichkillscountlessideasandsplendidplans:thatthemomentone
definitelycommitsoneself,thenprovidence moves too. A whole stream of
events issues from the decision,raising inone’sfavorallmannerofunforeseen
incidents, meetings,andmaterial assistance, which no man could have
dreamt would have come hisway.
Inotherwords,theuniversewillassistyou,guideyou,supporty
ou,andevencreatemiraclesforyou.Butfirst,youhavetocommit!
72-SecretsoftheMillionaireMind
DECLARATION:Placeyourhandonyourheartandsay...
“Icommittobeingrich.”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Write
ashortparagraphonexactlywhycreatingwealthisimportanttoy
ou.Bespecific.
2. Meet with a friend or family member who is willing
tosupportyou.Tellthatpersonyouwanttoevokethepowerofco
mmitment for the purpose of creating greater success.
Putyour hand on your heart, look that person in the eye,
andrepeatthefollowingstatement:
“I,
[your name], do hereby commit
tobecomingamillionaireormoreby
[date].”Tellyourpartnertosay,“Ibelieve
inyou.”Thenyou say,“Thankyou.”
P.S. To strengthen your commitment, I invite you
tocommitdirectlytomeatwww.millionairemindbook
.com,thenprintoutyourcommitmentandpostitonyourw
all.
P.P.S. Check in as to how you feel before your com mitmentandhowyoufeelafterit.Ifyoufeelasenseoffreedom,
you’reonyourway.Ifyoufeel atingeoffear,you’re on your
way. Ifyou
didn’tbotherdoingit,you’restillin“notbeingwillingtodowha
teverittakes”modeor “I don’t need to do any of this
weird stuff ” mode.Either way, let me remind you, your
way has gotten youexactlywhereyouarerightnow.
TheWealthFiles .73
Wealth File #4
Richpeoplethinkbig.Poorpeoplethinksmall.
We once had a trainer teaching at one of our seminars
whowent from a net worth of $250,000 to over $600 million
inonlythreeyears.When
askedhissecret,hesaid,“Everythingchanged the moment I
began to think big.” I refer you to
theLawofIncome,whichstates,“Youwillbepaidindirectproportiontothevalueyoudeliveraccordingtothemarketplace.”
WEALTHPRINCIPLE:
The Law of Income: You will be paid
indirect proportion to the value you
deliveraccordingto the marketplace.
The key word is value. It’s important to know that
fourfactors determine your value in the marketplace: supply,
demand,quality, and quantity. In my experience, the factor that
presentsthe biggest challenge for most people is the quantity.
Thequantityfactorsimplymeans,howmuchofyourvaluedoyoua
ctuallydelivertothemarketplace?
Another way of stating this is, how many people do
youactuallyserveoraffect?
In my business, for instance, some trainers prefer
teachingsmall groups of twenty people at a time, others are
com-fortable with a hundred participants in the room, others
like anaudience of five hundred, and still others love
audiences
of
athousandtofivethousandormore.Isthereadifferencein
74-SecretsoftheMillionaireMind
incomeamongthesetrainers?Youbetterbelievethereis!
Consider the network marketing business. Is there a differenceinincomebetweensomeonewhohastenpeopleinhisor
her down-line and someone who has ten thousand
people?Iwouldthinkso!
Near the beginning of this book, I mentioned that I
owneda chain of retail fitness stores. From the moment I
evenconsideredgoingintothisbusiness,myintentionwastohave
one hundred successful stores and affect tens of thousands
ofpeople. My competitor, on the other hand, who started
sixmonths after me, had the intention of owning one
successfulstore.Intheend,sheearnedadecentliving.Igotrich!
How do you want to live your life? How do you want
toplay the game? Do you want to play in the big leagues or in
thelittle leagues, in the majors or the minors? Are you going
toplaybigorplaysmall?It’syourchoice.
Most people choose to play small. Why? First, because
offear.They’rescaredtodeathoffailureandthey’reevenmorefrig
htenedofsuccess.Second,peopleplaysmallbecausetheyfeel
small. They feel unworthy. They don’t feel they’re
goodenough or important enough to make a real difference
inpeople’slives.
Buthearthis:Yourlifeisnotjustaboutyou.It’salsoaboutcontri
buting to others. It’s about living true to your missionand
reason for being here on this earth at this time. It’s
aboutaddingyourpieceofthepuzzletotheworld.Mostpeopleare
sostuckintheiregosthateverythingrevolvesaroundme,me,and
moreme.Butifyouwanttoberichinthetruestsenseofthe word, it
can’t only be about you. It has to include
addingvaluetootherpeople’slives.
The Wealth Files-75
Oneofthegreatestinventorsandphilosophersofourtime,Buc
kminster Fuller, said, “The purpose of our lives is to
addvaluetothepeopleofthisgenerationandthosethatfollow.”
We each came to this earth with natural talents, things
we’rejust naturally good at. These gifts were given to you for
areason: to use and share with others. Research shows that
thehappiest people are those who use their natural talents to
theutmost.Partofyourmissioninlifethenmustbetoshareyourgift
s and value with as many people as possible. That
meansbeingwillingtoplaybig.
Do you know the definition of an entrepreneur? The definition we use in our programs is “a person who solves problems for people at a profit.” That’s right, an entrepreneur
isnothingmorethana“problemsolver.”
So I ask you, would you rather solve problems for
morepeopleorfewerpeople?Ifyourepliedmore,thenyouneedto
start thinking bigger and decide to help massive numbers
ofpeople—thousands, even millions. The by-product is that
themore people you help, the “richer” you become,
mentally,emotionally,spiritually,anddefinitelyfinancially.
Make no mistake, every person on this planet has a
mission.If you are living right now, there’s a reason for it.
RichardBach, in his book Jonathan Livingston Seagull, is asked,
“How willI know when I’ve completed my mission?” The
answer? “Ifyouarestillbreathing,youarenotdone.”
What I have witnessed is too many people not doing
theirjob,notfulfillingtheirduty,ordharmaasit’scalledinSanskrit.I
watch too many people playing far too small, and too
manypeople allowing their fear-based ego selves to rule
them. Theresultisthattoomanyofusarenotlivingupto
76-SecretsoftheMillionaireMind
ourfullpotential,intermsofbothourownlivesandourcontr
ibutionto others.
Itcomesdowntothis:Ifnotyou,thenwho?
Again, everyone has his or her unique purpose.
Maybeyou’re a real estate investor and buy properties to rent
themout and make money on cash flow and appreciation.
What’syour mission? How do you help? There’s a good
chance youadd value to your community by helping families
find
affordablehousingtheymaynototherwisebeabletofind.Nowtheq
uestionishowmanyfamiliesandpeoplecanyouassist?Are you
willing to help ten instead of one, twenty instead often, one
hundred instead of twenty? This is what I mean
byplayingbig.
In her wonderful book A Return to Love, author
MarianneWilliamsonputsitthisway:
YouareachildofGod.Yourplayingsmalldoesnotservetheworld.Th
ereisnothingenlightenedaboutshrinkingsothatother people
won’t feel insecure around you. We are all
meanttoshine,aschildrendo.Wewereborntomakemanifesttheglor
yofGodthatiswithinus.Itisnotjustinsomeofus;itisineveryone.Anda
sweletourownlightshine,weuncon-sciously give other people
permission to do the same. As we areliberated from our own
fear, our presence automatically liber-atesothers.
The world doesn’t need more people playing small. It’s
timeto stop hiding out and start stepping out. It’s time to
stopneeding and start leading. It’s time to start sharing your
giftsinstead of hoarding them or pretending they don’t exist.
It’stimeyoustartedplayingthegameoflifeina“big”way.
In the end, small thinking and small actions lead to
beingbothbrokeandunfulfilled.Bigthinkingandbigactions
The Wealth Files-77
SuccessStoryfromJimRosemary
From:JimRosemaryTo:
T.HarvEker
If someone had said to me I would have doubled
myincome and simultaneously doubled my time off, I
wouldhave said that was not possible. But that is exactly
what hashappened.
In one year our business grew 175 percent, and in
thatsame year we took a total of seven weeks of vacation
time(much of that spent at additional Peak Potentials’
seminars)!This is astounding considering we had
experienced minimalgrowth over the previous five years and
struggled to geteventwoweeksoftimeoffayear.
As a result of knowing Harv Eker and being involved
withPeak Potentials, I have a deeper understanding of
myselfand a greater appreciation for the abundance in my
life. Myrelationship with my wife and children has
beenimmeasurably enhanced. I now see more opportunities
thanI ever thought possible. I feel that I truly am on the right
pathtosuccess inallits facets.
leadtohavingbothmoneyandmeaning.Thechoiceisyours!
DECLARATION:Placeyourhandonyourheartandsay...
“Ithinkbig!Ichoosetohelpthousandsandthousandso
fpeople!”
78-SecretsoftheMillionaireMind
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Writedownwhatyoubelievetobeyour“naturaltalents.”Thesear
ethingsyou’vealwaysbeennaturallygoodat.Alsowrite how
and where you can use more of these gifts
inyourlifeandespeciallyyourworklife.
2. Writedownorbrainstormwithagroupofpeoplehowyoucans
olveproblemsfortentimesthenumberofpeopleyouaffect in
your job or business now. Come up with at
leastthreedifferentstrategies.Think“leverage.”
WealthFile#5
Richpeoplefocusonopportunities.
Poorpeoplefocusonobstacles.
Rich people see opportunities. Poor people see obstacles.
Richpeople see potential growth. Poor people see potential
loss.Richpeoplefocusontherewards.Poorfocusontherisks.
It comes down to the age-old question, “Is the glass
halfempty or half full?” We’re not talking positive thinking
here,we’re talking about your habitual perspective on the
world.Poor people make choices based upon fear. Their
minds areconstantly scanning for what is wrong or could go
wrong inany situation. Their primary mind-set is “What if it
doesn’twork?”or,moreoften,“Itwon’twork.”
Middle-class people are slightly more optimistic.
Theirmind-setis“Isurehopethisworks.”
The Wealth Files-79
Rich people, as we’ve said earlier, take responsibility for
theresults in their lives and act upon the mind-set “It will
workbecauseI’llmakeitwork.”
Rich people expect to succeed. They have confidence
intheir abilities, they have confidence in their creativity, and
theybelieve that should the doo-doo hit the fan, they can
findanotherwaytosucceed.
Generally speaking, the higher the reward, the higher
therisk.Becausetheyconstantlyseeopportunity,richpeoplearew
illingtotakearisk.Richpeoplebelievethat,ifworsecomestowors
t,theycanalwaysmaketheirmoneyback.
Poor people, on the other hand, expect to fail. They
lackconfidence in themselves and in their abilities. Poor
peoplebelieve that should things not work out, it would be
cata-strophic. And because they constantly see obstacles,
they areusuallyunwillingtotakearisk.Norisk,noreward.
For the record, being willing to risk doesn’t
necessarilymean that you are willing to lose. Rich people take
educatedrisks. This means that they research, do their due
diligence,and make decisions based on solid information and
facts. Dorich people take forever to get educated? No. They
do
whattheycaninasshortatimeaspossible,thenmakeaninformedd
ecisiontogoforit ornot.
Althoughpoorpeopleclaimtobepreparingforanopportunity,
whatthey’reusuallydoingisstalling.They’rescaredtodeath,hemm
ingandhawingforweeks,months,andevenyearsonend,andbyth
entheopportunityusuallydisappears. Then they rationalize the
situation
by
saying,
“Iwasgettingready.”Sureenough,butwhiletheywere“gettingre
ady,”therichguygotin,gotout,andmadeanotherfortune.
80-SecretsoftheMillionaireMind
I know what I’m about to say may sound a little
strangeconsidering how much I value self-responsibility.
However,
Idobelieveacertainelementofwhatmanypeoplecallluckisassoc
iated with getting rich, or, for that matter, with
beingsuccessfulatanything.
In football, it might be the opposing team’s player
fumblingon your own one-yard line with less than a minute
to go,allowing your team to win the game. In golf it could be
theerrant shot that hits an out-of-bounds tree and bounces
backontothegreen,justthreeinchesfromthehole.
Inbusiness,howmanytimeshaveyouheardofaguywhoplops
some money down on a piece of land in the boonies,and ten
years later, some conglomerate decides it wants
tobuildashoppingcenterorofficebuildingonit?Thisinvestorget
s rich. So, was it a brilliant business move on his part
orsheerluck?Myguessisthatit’sabitofboth.
Thepoint,however,isthatnoluck—
oranythingelseworthwhile—
willcomeyourwayunlessyoutakesomeformof action. To
succeed financially, you have to do something,buy
something, or start something. And when you do, is it luckor is
it the universe or a higher power supporting you in
itsmiraculous ways for having the courage and commitment
togo for it? As far as I’m concerned, who cares what it is.
Ithappens!
Another key principle, pertinent here, is that rich
peoplefocus on what they want, while poor people focus on
whatthey don’t want. Again, the universal law states, “What
youfocus on expands.” Because rich people focus on the
oppor-tunities in everything, opportunities abound for them.
Theirbiggest problem is handling all the incredible
moneymakingpossibilitiestheysee.Ontheotherhand,because
The Wealth Files-81
poor people focus on the obstacles in everything,
obstaclesaboundforthemandtheirbiggestproblemishandlingal
ltheincredibleobstaclestheysee.
It’ssimple.Yourfieldoffocusdetermineswhatyoufindinlife.
Focus on opportunities and that’s what you find. Focus
onobstacles and that’s what you find. I’m not saying that
youdon’t take care of problems. Of course, handle problems
asthey arise, in the present. But keep your eye on your goal,
keepmoving toward your target. Put your time and energy
intocreating what you want. When obstacles arise, handle
them,then quickly refocus on your vision. You do not make
your lifeabout solving problems. You don’t spend all your time
fightingfires. Those who do, move backward! You spend
your timeand energy in thought and deed, moving steadily
forward,towardyourgoal.
Doyouwantsomesimplebutextremelyrareadvice?Hereit is:
If you want to get rich, focus on making, keeping,
andinvesting yourmoney.Ifyou want tobe poor, focus
onspending your money. You can read a thousand books
andtake a hundred courses on success, but it all boils down
tothat.Remember,whatyoufocusonexpands.
Rich people also understand that you can never know all
theinformationbeforehand.Inanotherofourprograms,Enlighte
nedWarriorTraining,wetrainpeopletoaccesstheirinner power
and succeed in spite of anything. In this
courseweteachaprincipleknownas“Ready,fire,aim!”Whatdow
emean? Get ready the best you can in as short a time
aspossible;takeaction;thencorrectalongtheway.
It’snutstothinkyoucanknoweverythingthatmayhappenin
the future. It’s delusional to believe you can prepare
foreverycircumstancethatmightsomedayoccurandpro-
82-SecretsoftheMillionaireMind
tect yourself from it. Did you know that there are no
straightlines in the universe? Life doesn’t travel in perfectly
straightlines.Itmovesmorelikeawindingriver.Moreoftenthann
ot,you can only see to the next bend, and only when you
reachthatnextturncanyouseemore.
The idea is to get in the game with whatever you’ve
got,from wherever you are. I call this entering the corridor.
Forexample, years ago I was planning on opening an allnightdessert café in Fort Lauderdale, Florida. I studied
locationoptions, the marketplace, and found out what
equipment I’dneed. I also researched the kinds of cakes, pies,
ice creams, andcoffees available. The first big problem—I
got
really
fat!Eatingmyresearchwasn’thelpful.SoIaskedmyself,“Harv,w
hat would be the best way to study this business?” Then
Iheard this guy named Harv, who was obviously a lot
smarterthan me, answer, “If you really want to learn a
business, getinto it. You don’t have to own the darn thing
from day one.Get in the corridor by getting a job in the
arena.
You’ll
learnmorebysweepinguparestaurantandwashingdishesthanby
ten years of research from the outside.” (I told you he was
alotsmarterthanme.)
And that’s what I did. I got a job at Mother Butler’s
PieShop.IwishIcouldtellyouthattheyimmediatelyrecognized
mysuperbtalentsandstartedmeasCEO.Butalas,somehowthey
just didn’t see, nor did they care about, my
executiveleadership skills, and so I began as a busboy.
That’s
right,sweepingthefloorandclearingdishes.Funnyhowthepowe
rofintentionworks,isn’tit?
YoumightthinkthatImustreallyhavehadtoswallowmypridet
odothis,butthetruthis,Ineverlookedatitthatway.Iwasonamissio
ntolearnthedessertbusiness;Iwas
The Wealth Files. 83
grateful for the opportunity to learn it on someone
else’s“ticket”andmakesomepocketchangetoboot.
During my tenure as the pie busboy, I spent as much
timeaspossibleshootin’thedoo-doowiththemanageraboutrevenuesandprofits,checkingboxestofindoutthenamesofthesuppl
iers, and helping the baker at 4:00 a.m., to learn
aboutequipment,ingredients,andproblemsthatcouldoccur.
A full week went by and I guess I was pretty good at
myjob, because the manager sat me down, fed me some
pie(yuck!), and promoted me to...(drumroll please) cashier !
Ithoughtaboutitlongandhard,forexactlyananosecond,andrepli
ed,“Thanksbutnothanks.”
First, there was no way I could learn much being
stuckbehind a cash register. Second, I’d already learned what I
cametolearn.Missionaccomplished!
So that’s what I mean by being in the “corridor.” It
meansentering the arena where you want to be in the future,
in anycapacity, to get started. This is far and away the best
way tolearn about a business, because you see it from the
inside.Second, you can make the contacts you need, which you
couldnever have made from the outside. Third, once you’re
in thecorridor, many other doors of opportunity may open to
you.That is, once you witness what’s really going on, you
maydiscoveranicheforyourselfthatyouhadn’trecognizedbefor
e. Fourth, you may find that you don’t really like
thisfield,andthankgoodnessyoufoundoutbeforeyougotintoode
ep!
Sowhichoftheabovehappenedforme?BythetimeIwasdonew
ithMotherButler’s,Icouldn’tstandthesmellorsightof
pie.
Second, the baker quit the day after I left, phoned
me,andexplainedthathehadjustfoundoutaboutahot,new
84-SecretsoftheMillionaireMind
piece of exercise equipment known as Gravity Guidance inversion boots (you may have seen Richard Gere hang
upsidedown in these in the movie American Gigolo) and
wanted toknow if I was interested in looking at them. I
checked thingsout and decided the boots were dynamite, but
he wasn’t, so Igotinvolvedonmyown.
Ibegansellingthebootstosportinggoodsanddepartmentstores.Inoticedtheseretailoutletsallhadon
ethingincommon—crummy exercise equipment. My brain
bells
wentberserk—
“Opportunity,opportunity,opportunity.”Funnyhowthings
happen.Thiswasmyfirstexperiencesellingexercise equipment,
which
eventually
led
me
to
opening
one
ofthefirstretailfitnessstoresinNorthAmericaandmakingmyver
y first million. And to think it all started with me being
abusboyatMotherButler’sPiesShop!Themoralissimple:getin
the corridor. You never know what doors will open untoyou.
Ihaveamotto:“Actionalwaysbeatsinaction.”Richpeoplegets
tarted.Theytrustthatoncetheygetinthegame,theycanmakeintell
igentdecisionsinthepresentmoment,makecorrections,andadju
sttheirsailsalongtheway.
Poor people don’t trust in themselves or their abilities,
sothey believe they have to know everything in advance, which
isvirtually impossible. Meanwhile they don’t do squat! In
theend, with their positive, “ready, fire, aim,” attitude, rich
peopletakeactionandusuallywin.
In the end, by telling themselves, “I’m not doing
anythinguntilI’veidentifiedeverypossibleproblemandknowex
actlywhattodoaboutit,”poorpeoplenevertakeactionandtherefo
realwayslose.
Rich people see an opportunity, jump on it, and get
evenricher.Asforpoorpeople?They’restill“preparing”!
TheWealthFiles-85
DECLARATIONS:Placeyourhandonyourheartandsay...
“Ifocusonopportunitiesoverobstacles.”“I
getready,Ifire,Iaim!”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Get in the game. Consider a situation or project
you’vewantedtostart.Whateveryou’vebeenwaitingfor,forgeti
t.Beginnowfromwhereveryouarewithwhateveryou’vegot. If
possible, do it while working for or with
someoneelse,first,tolearntheropes.Ifyou’ve
alreadylearned,nomoreexcuses.Goforit!
2. Practice optimism.Today,whatever
anyonesaysisaproblemoranobstacle,reframeitintoanop
portunity.You’ll drive negative people nuts, but, hey,
what’s thedifference?
That’swhatthey’reconstantlydoingtothemselvesanywa
y!
3. Focusonwhatyouhave,notonwhatyoudon’thave.Makealistofte
nthingsyouaregratefulforinyourlifeandreadthelistaloud.Then
readiteachmorningforthenextthirtydays. Ifyou
don’tappreciate whatyou’ve got,you won’t
getanymoreandyoudon’tneedanymore.
86-SecretsoftheMillionaireMind
WealthFile#6
Rich people admire other rich
andsuccessful people. Poor people resent
richandsuccessful people.
Poor people often look at other people’s success with resentment,jealousy,andenvy.Ortheysnip,“They’resolucky,”orwhis
perundertheirbreath,“Thoserichjerks.”
You have to realize that if you view rich people as bad in
anyway, shape, or form, and you want to be a good person,
thenyoucanneverbe rich. It’s impossible. How can
youbesomethingyoudespise?
It’s amazing to witness the resentment and even
outrightanger that many poor people have toward the rich.
As if theybelieve that rich people make them poor. “Yup,
that’s
right,richpeopletookallthemoneysothere’snoneleftforme.”Of
course,thisisperfectvictimtalk.
Iwanttotellyouastory,nottocomplain,butsimplytorelatearealworldexperienceIhadwiththisprinciple.Intheolddays,whenIwas,
let’ssay,financiallychallenged,Iusedtodriveaclunker.Changing
lanesintrafficwasneveraproblem.Almosteverybodywouldletme
in.ButwhenIgotrichandboughtagorgeous,new,blackJaguar,Ic
ouldn’thelpbutnoticehowthingschanged.AllofasuddenIstarte
dgettingcutoffandsometimesgiventhefingerforaddedmeasure.
Ievengotthingsthrownatme,allforonereason:IdroveaJag.
One day, I was driving through a lower-end
neighborhoodin San Diego, delivering turkeys for a charity at
Christmastime.IhadthesunroofopenandInoticedfourgrimyguys
perchedinthebackofapickuptruckbehindme.Outofnowhere,th
eystarted
playing
basketball
with
TheWealthFiles-87
my car, by attempting to shoot beer cans into my open sunroof. Five dents and several deep scratches later, they
passedmescreaming,“Yourichbastard!”
Ofcourse,Ifiguredthistobeanisolatedincident,untiljusttwo
weeks later, in a different lower-end neighborhood, Iparked
my car on the street and returned to it less than tenminutes
later, to discover that the entire side of my car
hadbeenkeyed.
The next time I went to that area of town, I rented a
FordEscort,andamazingly,Ididn’thaveasingleproblem.I’mnot
implying that poorer neighborhoods have bad people, but
inmy experience, they sure seem to have plenty of folks
whoresenttherich.Whoknows,maybeit’ssomekindofchickenand-egg thing: Is it because they’re broke that they resent
therich,orbecausetheyresentrichpeoplethatthey’rebroke.Asfar
asI’mconcerned,whocares?It’sallthesame,they’restillpoor!
It’seasytotalkaboutnotresentingtherich,butdependingon
your mood, falling into the trap can happen to anyone,even
me. Recently, I was eating dinner in my hotel
room,aboutanhourbeforegoingonstagetoteachaneveningsessi
on of the Millionaire Mind seminar. I turned on the tubeto
check the sports scores and found that Oprah was
on.Although I’m not a big fan of television, I love Oprah.
Thatwoman has affected more people in a positive way than
almostanyone else on the planet, and consequently she deserves
everypennyshe’sgot...andmore!
Meanwhile, she’s interviewing actress Halle Berry.
They’rediscussinghowHallehasjustreceivedoneofthelargestfil
mcontracts in history for a female actor—$20 million. Halle
thensays that she doesn’t care about the money, and that
shefoughtforthishumongouscontracttoblazeatrailforother
88-SecretsoftheMillionaireMind
women to follow. I heard myself say skeptically, “Yeah,
right!Do you think I and everyone else watching this show is
anidiot? You should take a hunk of that dough and give
yourpublicrelationsagentaraise.That’sthebestsoundbitewritingI’veeverheard.”
I felt the negativity welling up inside me, and just in the
nickof time I caught myself, before the energy took me
over.“Cancel, cancel, thank you for sharing,” I yelled out
loud tomymind,todrownoutthatvoiceofresentment.
I couldn’t believe it. Here I was, Mr. Millionaire
Mindhimself, actually resenting Halle Berry for the money
shemade. I quickly turned it around and began screaming at
thetop of my lungs, “Way to go, girl! You rock! You let ’em
offtoo cheap, you should’ve got thirty million dollars! Good
foryou.You’reincredible andyoudeserveit.”Ifeltalotbetter.
Regardless of her reason for wanting all that money,
theproblemwasn’ther,itwasme.Remember,myopinionsmaken
odifferencetoHalle’shappinessorwealth,buttheydomakea
difference to my happiness and wealth. Also remember
thatthoughts and opinions aren’t good or bad, right or
wrong, asthey enter your mind, but they can sure be
empowering ordisempowering to your happiness and
success, as they enteryourlife.
ThemomentIfeltthatnegativeenergyrunthroughme,my“obs
ervation” alarms went off, and as I’ve trained myself todo, I
immediately neutralized the negativity in my mind. Youdon’t
have to be perfect to get rich, but you do need
torecognizewhenyourthinkingisn’tempoweringtoyourselforot
hers,thenquicklyrefocusonmoresupportivethoughts.Themore
you study this book, the faster and easier this processwill be,
and
if
you
attend
the
Millionaire
Mind
IntensiveSeminar,youwilldramaticallyaccelerate
TheWealthFiles-89
yourprogress.IknowIkeepmentioningtheMillionaireMindcourse,
butpleaseunderstand,Iwouldn’tbesoadamantaboutthisprogramifI
didn’tseeformyselfthephenomenalresultspeoplegetintheirlives.
IntheiroutstandingbookTheOneMinuteMillionaire,mygoodfrien
dsMarkVictorHansenandRobertAllenquotethepoignant story of
Russell H. Conwell in his book, Acres
ofDiamonds,whichwaswrittenoverahundredyearsago:
I say that you ought to get rich, and it is your duty to get
rich.How many of my pious brethren say to me, “Do you, a
Christian minister, spend your time going up and down the
countryadvisingyoungpeopletogetrich,togetmoney?”Yes,ofcourseI
do.
Theysay,“Isn’tthatawful!Whydon’tyoupreachthegospelinsteadofpr
eachingaboutman’smakingmoney?”Becausetomakemoneyhonestlyist
opreachthegospel.Thatisthereason.Themenwhogetrichmaybethemosth
onestmenyoufindinthecommunity.
“Oh,”butsayssomeyoungmanheretonight,“Ihavebeentoldallmylifethat
ifapersonhasmoneyheisverydishonestanddishonorableandmeanandconte
mptible.”Myfriend,thatisthereasonyouhavenone,becauseyouhavethatidea
ofpeople.Thefoundationofyourfaithisaltogetherfalse.Letmesayclearly...ni
netyeightoutofonehundredoftherichmen(andwomen)ofAmericaarehonest.That
is why theyare rich.That iswhy theyare trusted with money. That
iswhytheycarryongreatenterprisesandfindplentyofpeopletoworkwiththe
m.
Saysanotheryoungman,“Ihearsometimesofmenthatgetmillions
ofdollars dishonestly.” Yes,ofcourse you do, and sodo
90-SecretsoftheMillionaireMind
I. Buttheyaresorareathinginfactthatthenewspaperstalkaboutthemallth
etimeasamatterofnewsuntilyougettheideathatalltheotherrichmengot
richdishonestly.
Myfriend,you...driveme...outintothesuburbsofPhiladelphia,and
introducemetothepeoplewhoowntheirhomesaround
thisgreatcity,sobeautifulhomeswithgardensandflowers,thosemagnificent
homessolovelyintheirart,andIwillintroduceyoutotheverybestpeopleincha
racteraswellasinenterpriseinourcity. ................................. Theythatown
theirhomesaremademorehonorableandhonestandpure,andtrueand
economical and careful,by owningthem.
Wepreachagainstcovetousness...inthepulpit.andusethe
terms...“filthylucre”soextremelythatChristiansgettheideathat.it
iswickedforanymantohavemoney.Moneyispower,andyououghttobereaso
nablyambitioustohaveit!Yououghtbecauseyoucandomoregoodwithitthan
youcanwithoutit.MoneyprintedyourBibles,money builds your churches,
money sends your missionaries, and moneypaysyourpreachers.
..................................... Isay,then,yououghttohavemoney.Ifyoucan
honestlyattainuntoriches...itisyour. ........ godlydutytodoso.Itisan
awfulmistakeofthesepiouspeopletothinkyoumustbeawfullypoorinordert
obepious.
Conwell’s passage makes several excellent points. The
firstrefers to the ability to be trusted. Of all the attributes
necessaryforgettingrich,havingotherstrustyouhastobenearthet
opof the list. Think about it, would you do business with
aperson you didn’t trust at least to some extent? No
way!Meaning that to get rich, there’s a good chance many,
many,many people must trust you, and there’s a good
chance
thatforthatmanypeopletotrustyou,youhavetobequitetrustwort
hy.
TheWealthFiles-91
What other traits does a person need to get rich and,
evenmoreimportantly,stayrich?Nodoubttherearealwaysexcep
tionstoanyrule,butforthemostpart,whodoyouhavetobetosucce
edatanything?Trysomeofthesecharacteristicson for size:
positive,
reliable,
focused,
determined,
persistent,hardworking,energetic,goodwithpeople,acompeten
tcommunicator, semi-intelligent, and an expert in at least
onearea.
AnotherinterestingelementinConwell’spassageisthatsoman
y people have been conditioned to believe that you can’tbe
rich and a good person or rich and spiritual. I too used
tothink this way. Like many of us, I was told by friends,
teachers,media, and the rest of society that rich people were
somehowbad, that they were all greedy. Once again, another
way
ofthinkingthatendedupbeingpurecrapola!Backedbymyownrea
l-world experience, rather than old, fear-based myth, I
havefoundthattherichestpeopleIknowarealsothenicest.
WhenImovedtoSanDiego,wemovedintoahomeinoneofther
ichestpartsoftown.Welovedthebeautyofthehomeandthearea,b
utIhadsometrepidationbecauseIdidn’tknowanyoneandfeltIdid
n’tyetfitin.Myplanwastostaylow-keyand not mix much with
these rich snobs. As the universewould have it, however, my
kids, who were five and sevenyears old at the time, made
friends with the other kids in theneighborhood, and pretty
soon
I
was
driving
them
to
thesemansionstodropthemofftoplay.Irememberknockingonas
tunningly carved wooden door that was at least twenty
feethigh.Themomopeneditupand,withthefriendliestvoiceI’de
verheard,said,“Harv,it’ssogreattomeetyou,comeonin.”Iwasab
itbewilderedasshepouredmesomeicedteaandgotmeabowloffr
uit.“What’sthe
92-SecretsoftheMillionaireMind
catch?” my skeptical mind kept wanting to know. Then
herhusband came in from playing with his kids in the pool.
Hewasevenfriendlier:“Harv,we’resohappytohaveyouinthenei
ghborhood. You have to come to our BBQ tonight
withtherestofyourfamily.We’llintroduceyoutoeverybody,and
we’re not taking no for an answer. By the way, do you golf
?I’mplayingtomorrowattheclub,whydon’tyoucomeasmygues
t.”BynowIwasinshock.WhathappenedtothesnobsIwas sure I
was going to meet? I left and went back home
totellmywifeweweregoingtotheBBQ.
“Oh, my,” she said, “what will I wear?” “No, honey,
youdon’t understand,” I said, “these people are incredibly nice
andtotallyinformal.Justbewhoyouare.”
Wewentandthateveningmetsomeofthewarmest,kindest,
most generous, most loving people of our lives. Atone point
the conversation shifted to a charity drive that oneof the
guests was heading up. One after another, the check-books
came out. I couldn’t believe it, I was actually watching
alineuptogivethiswomanmoney.Buteachcheckcamewithacatc
h.Theagreementwasthattherewouldbereciprocityandthat the
woman would support the charity the donor wasinvolved in.
That’s
right,
to
a
T,
every
person
there
eitherheadeduporwasamajorplayerinacharity.
Ourfriendswhohadinviteduswereinvolvedinseveral.Infact,
each year they made it their goal to be the single
largestdonorintheentirecitytotheChildren’sHospitalFund.The
ynot only gave tens of thousands of dollars themselves,
butevery year they organized a dinner gala that raised hundreds
ofthousandsmore.
Then there was the “vein” doctor. We became quite
closewith his family too. He was among the top varicose
veindoctorsintheworldandmadeafortune;somewhereinthe
TheWealthFiles-93
range of $5,000 to $10,000 per surgery, doing four or
fivesurgeriesperday.
I bring him up because every Tuesday was “free” day,
whenhe would do surgeries on people in the city who
couldn’taffordtopay.Onthisday,hewouldworkfrom
6:00a.m.to10:00p.m.doingasmanyastensurgeries,allforfree.O
ntopofthis,heheadeduphisownorganizationwhosemission
was to get other doctors to do free days for people
intheircommunitiestoo.
Needlesstosay,myold,conditionedbeliefthatrichpeoplewer
e greedy snobs dissipated in the light of reality. Now Iknow
the opposite to be true. In my experience, the
richestpeopleIknowarethenicestpeopleIknow.Theyarealsothe
most generous. Not to say that people who aren’t rich
aren’tnice or generous. But I can safely say the idea that all
richpeoplearesomehowbadisnothingmorethanignorance.
The fact is, resenting the rich is one of the surest ways
tostaybroke.Wearecreaturesofhabit,andtoovercomethisorany
other habit, we need to practice. Instead of resenting
richpeople, I want you to practice admiring rich people, I want
youtopracticeblessingrichpeople,andIwantyoutopracticelovingri
ch people. That way, unconsciously you know that when
youbecome rich, other people will admire you, bless you, and
loveyou instead of resent the heck out of you the way you
mightdothem now.
OneofthephilosophiesIlivebycomesfromancientHunawisd
om,theoriginalteachingsoftheHawaiianelders.Itgoeslikethis:b
lessthatwhichyouwant.Ifyouseeapersonwithabeautiful home,
bless that person and bless that home. If yousee a person
with a beautiful car, bless that person and blessthat car. If
you see a person with a loving family, bless
thatpersonandblessthatfamily.Ifyouseea
94-SecretsoftheMillionaireMind
personwithabeautifulbody,blessthatpersonandblesstheirbody.
WEALTHPRINCIPLE:
“Blessthatwhichyou want.”—Hunaphilosophy
The point is, if you resent what people have, in any way,
shape,orform,youcanneverhaveit.Regardless:ifyouseeaperson
in a gorgeous black Jaguar with the sunroof open, don’t
throwbeercansatit!
DECLARATIONS:Placeyourhandonyourheartandsay...
“Iadmirerichpeople!”“I
bless rich
people!”“Iloverichpeo
ple!”
“AndI’mgoingtobeoneofthoserichpeopletoo!”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. PracticetheHunaphilosophy“blessthatwhichyouwant.”Drive
around or buy magazines, look at beautiful
homes,gorgeous cars, and read about successful
businesses.Whatever you see that you like, bless it, and
bless theownersorthepeopleinvolved.
2. Write and send a short letter or e-mail to someone
youknowof(notnecessarilypersonally)whoishighlysuccessfuli
nanyarena,tellingthemhowmuchyouadmireandhonorthemf
ortheirachievements.
TheWealthFiles-95
Wealth File #7
Rich people associate with
positive,successfulpeople.Poorpeopleass
ociatewithnegativeorunsuccessfulpeople
.
Successful people look at other successful people as a
meansto motivate themselves. They see other successful
people
asmodelstolearnfrom.Theysaytothemselves,“Iftheycandoit, I
can do it.” As I mentioned earlier, modeling is one of
theprimarywaysthatpeoplelearn.
Rich people are grateful that others have succeeded
beforethem so that they now have a blueprint to follow that
willmake it easier to attain their own success. Why reinvent
thewheel? There are proven methods for success that work
forvirtuallyeveryonewhoappliesthem.
Consequently, the fastest and easiest way to create wealth
isto learn exactly how rich people, who are masters of
money,play the game. The goal is to simply model their
inner
andouterstrategies.Itjustmakessense:ifyoutaketheexactsamea
ctions and have the exact same mind-set, chances are
goodyou will get the exact same results. That’s what I did and
that’swhatthisentirebookisabout.
Contrary to the rich, when poor people hear about
otherpeople’ssuccess,theyoftenjudgethem,criticizethem,moc
kthem,andtrytopullthemdowntotheirownlevel.Howmanyofyo
uknowpeoplelikethis?Howmanyofyouknowfamilymembers
like this? The question is, how can you possibly
learnfromorbeinspiredbysomeoneyouputdown?
Whenever I’m introduced to an extremely rich person,
Icreateawaytogettogetherwiththem.Iwanttotalktothem,learnh
owtheythink,exchangecontacts,andifwe
96-SecretsoftheMillionaireMind
haveotherthingsincommon,possiblybecomepersonalfriendsw
iththem.
By the way, if you think I’m wrong for preferring to
befriends with rich people, perhaps you’d rather I pick
friendswho are broke? I don’t think so! As I’ve mentioned
before,energy is contagious, and I have no interest in
subjectingmyselftotheirs!
I was recently doing a radio interview and a woman called
inwith an excellent question: “What do I do if I’m positive
andwant to grow, but my husband is a downer? Do I leave
him?DoItryandgethimtochange?What?”Ihearthisquestionatle
ast a hundred times a week when I’m teaching our
courses.Almosteveryoneasksthesamequestion:“Whatifthepeo
pleI’m closest to aren’t into personal growth and even put
medownforit?”
Here’stheanswerIgavethewomanonthecall,whatItellpeople
atourcourses,andwhatI’msuggestingtoyou.
First, don’t bother trying to get negative people to
changeor come to the course. That’s not your job. Your job
is to usewhat you’ve learned to better yourself and your life.
Be themodel, be successful, be happy, then maybe—and I
stressmaybe—
they’llseethelight(inyou)andwantsomeofit.Again,energy
is
contagious. Darkness dissipates in light. Peopleactually have
to work hard to stay “dark” when light is allaround them.
Your job is simply to be the best you can be.
Iftheychoosetoaskyouyoursecret,tellthem.
Second, keep in mind another principle that we feature
inour Wizard Training, which is a course about manifesting
whatyouwantwhilestayingcalm,centered,andpeaceful.Itstates,
“Everything happens for a reason and that reason is there
toassistme.”Yes,it’smuchmoredifficulttobeposi-
TheWealthFiles-97
tive and conscious around people and circumstances that
arenegative, but that’s your test! Just as steel is hardened in
thefire,ifyoucanremaintruetoyourvalueswhileothersaroundyo
u are full of doubt and even condemnation, you’ll
growfasterandstronger.
Also remember that “nothing has meaning except for
themeaning we give it.” Recall in Part I of this book, we
discussedhow we usually end up identifying with or rebelling
against oneor both of our parents, depending on how we
“framed” theiractions. From now on, I want you to practice
reframing otherpeople’s negativity as a reminder of how not
to be. The morenegative they are, the more reminders you have
about how uglythat way of being really is. I’m not suggesting
you tell themthis. Just do it, without condemning them for
how
they
are.Forifyoudobegintojudge,criticize,andputthemdownforwh
o they are and what they do, then you are no better
thanthem.
Worse comes to worst, if you just can’t handle their nonsupportive energy anymore, if it’s bringing you down to
apoint where you’re not able to grow, you may have to
makesome courageous decisions about who you are and how
youwant to live the rest of your life. I’m not suggesting you
doanything rash, but I for one would never live with a
personwho was negative and pooh-poohed my desire to
learn andgrow, be it personally, spiritually, or financially. I
wouldn’t dothat to myself because I respect myself and my
life and Ideserve to be as happy and successful as possible.
The way Ifigure it, there are over 6.3 billion people in the
world
andthere’snowayI’mgoingtosaddlemyselfwithadowner.EithertheymoveuporImoveon!
Again,energyiscontagious:eitheryouaffectpeopleor
98-SecretsoftheMillionaireMind
infect people. The same holds true the opposite way
around;either people affect or infect you. Let me ask you a
question:Wouldyouhugandholdapersonyouknewhadaseverec
aseof the measles? Most people would say, “No way, I don’t
wanttocatchthemeasles.”Well,Ibelievenegativethinkingislike
having measles of the mind. Instead of itching, you get
bitching;instead of scratching, you get bashing; instead of
irritation,
yougetfrustration.Now,doyoureallywanttobeclosetopeoplelik
ethat?
I’m sure you’ve heard the saying “Birds of a feather
flocktogether.” Did you know that most people earn within
20percentoftheaverageincomeoftheirclosestfriends?That’swh
yyou’dbetterwatchwhomyouassociatewithandchoosewhomy
ouspendyourtimewithcarefully.
Frommyexperience,richpeopledon’tjustjointhecountryclub
to play golf; they join to connect with other rich
andsuccessful people. There’s another saying that goes “It’s
notwhat you know, it’s who you know.” As far as I’m
concerned,you can take that to the bank. In short, “If you
want
to
flywiththeeagles,don’tswimwiththeducks!”Imakeitapointto
only associate with successful, positive people, and just
asimportantly,Idisassociatefromnegativeones.
I also make it a point to remove myself from toxic situations.Iseenoreasonforinfectingmyselfwithpoisonousen-ergy.
Among these I would include arguing, gossiping,
andbackstabbing.Iwouldalsoincludewatching“mindless”telev
ision, unless you use it specifically as a relaxation
strategyinsteadofyoursoleformofentertainment.WhenIwatchT
V,it’s usually sports. First, because I enjoy seeing masters
atanything at work or in this case play, and second because
Ienjoylisteningtotheinterviewsafterthegames.I
TheWealthFiles-99
love listening to the mind-set of champions, and to me, anyonewhohasmadeitasfarasthebigleaguesinanysportisachampio
n. Any athlete at that level has outcompeted tens
ofthousands of other players to get there at all, which
makeseach of them incredible to me. I love hearing their
attitudewhentheywin:“Itwasagreateffortfromtheentireteam.
Wedid well but we still have improvements to make. It goes
toshow you that hard work pays off.” I also love listening
totheir attitude when they lose: “It’s only one game. We’ll
beback, we’re just going to forget about this one and put
ourfocus on the next game. We’ll go back and talk about
wherewecandobetter,andthendowhateverittakestowin.”
Duringthe2004OlympicGames,PerditaFelicien,aCanadian
and the reigning world champion in the hundred-meter
hurdles, was heavily favored to win the gold medal.
Inthefinalrace,shehitthefirsthurdleandfellhard.Shewasn’table
to complete the race. Extremely upset, she had tears inher
eyes as she lay there in bewilderment. She had prepared forthis
moment six hours a day, every day of the week, for
thepastfouryears.Thenextmorning,Isawhernewsconference.I
wishIhadtapedit.Itwasamazingtolistentoherperspective.Shesa
idsomethingtotheeffectof“Idon’tknowwhyithappenedbutitdid
,andI’mgoingtouseit.I’mgoingto focus even more and work
even
harder
for
the
next
fouryears.WhoknowswhatmypathwouldhavebeenhadIwon?
Maybeitwouldhavedulledmydesire.Idon’tknow,butIdoknow
that now I’m hungrier than ever. I’ll be back evenstronger.”
As I heard her speak, all I could say was
“Wow!”Youcanlearnalotfromlisteningtochampions.
Rich people hang around with winners. Poor people
hangaroundwithlosers.Why?It’samatterofcomfort.Richpeo-
100-SecretsoftheMillionaireMind
ple are comfortable with other successful people. They
feelfully worthy of being with them. Poor people are uncomfortable with highly successful people. They’re either
afraidthey’ll be rejected or feel as if they don’t belong. To
protectitself,theegothengoesintojudgmentandcriticism.
If you want to get rich, you will have to change your
innerblueprint to fully believe you are every bit as good as
anymillionaire or multimillionaire out there. I’m shocked in
myseminars when people come up to me and ask if they
cantouch me. They say, “I’ve never touched a
multimillionairebefore.” I’m usually polite and smile, but in
my mind I’msaying, “Get a frickin’ life! I’m no better or
different from you,and unless you start to understand that,
you’ll stay brokeforever!”
My friends, it’s not about “touching” millionaires, it’s
aboutdecidingthatyouarejustasgoodandworthyastheyare,andt
henactinglikeit.Mybestadviceisthis:ifyoureallywanttotoucha
millionaire,becomeone!
I hope you get the point. Instead of mocking rich
people,model them. Instead of shying away from rich
people, get toknow them. Instead of saying, “Wow, they’re so
special,” say,“If they can do it, I can do it.” Eventually, if
you want totouchamillionaire,you’llbeabletotouchyourself!
DECLARATIONS:Placeyourhandonyourheartandsay...
“Imodelrichandsuccessfulpeople.”
“I associate with rich and successful
people.”“Iftheycandoit,Icandoit!”
Touchyourheadandsay...
“Ihave amillionairemind!”
TheWealthFiles-101
MILLIONAIREMINDACTIONS
1. Go to the library, a bookstore, or the Internet and read
abiography of someone who is or was extremely rich
andsuccessful. Andrew Carnegie, John D. Rockefeller,
MaryKay,DonaldTrump, WarrenBuffett, JackWelch,
BillGates,andTedTurneraresomegoodexamples.Usetheirstor
yforinspiration,forlearningspecificsuccessstrategies,andmos
timportantly,forcopyingtheirmind-set.
2. Joinahighendclub,suchasfortennis,health,business,orgolf.Minglewithri
chpeopleinarichenvironment.Or,ifthere’snowayyoucanafford
tojoinahigh-endclub,havecoffee or tea in the classiest hotel
in your city. Getcomfortable in this atmosphere and
watch the patrons,noticingthey’renodifferentfromyou.
3. Identifyasituationorapersonwhoisadownerinyourlife.Remove
yourselffromthatsituationorassociation.Ifit’sfamily,chooseto
bearoundthemless.
4. StopwatchingtrashTVandstayawayfrombadnews.
WealthFile#8
Richpeoplearewillingtopromotethemselvesandthei
r value. Poor people think negatively
aboutsellingandpromotion.
Mycompany,PeakPotentialsTraining,offersoveradozendiffere
ntprograms.Duringtheinitialseminar,usuallythe
102-SecretsoftheMillionaireMind
MillionaireMindIntensive,webrieflymentionafewofourother
courses, then offer the participants special “at
seminar”tuitionratesandbonuses.It’sinterestingtonotethereactions.
Mostpeoplearethrilled.Theyappreciategettingtohearwhattheoth
ercoursesareaboutandtoreceivethespecialpricing.Somepeople,ho
wever,arenotsothrilled.Theyresentanypromotionregardlessofhow
itmightbenefitthem.Ifthissoundsinanywaylikeyou,it’sanimporta
ntcharacteristicto
noticeaboutyourself.
Resenting promotion is one of the greatest obstacles
tosuccess. People who have issues with selling and
promotionare usually broke. It’s obvious. How can you
create a largeincome in your own business or as a
representative of one ifyou aren’t willing to let people know
that you, your product, oryour service exists? Even as an
employee,
if
you
aren’t
willingtopromoteyourvirtues,someonewhoiswillingwillquickl
ybypassyouonthecorporateladder.
People have a problem with promotion or sales for
severalreasons.Chancesareyoumightrecognizeoneormoreofth
efollowing.
First, you may have had a bad experience in the past
withpeople promoting to you inappropriately. Maybe you
per-ceived they were doing the “hard” sell on you. Maybe
theywerebotheringyouataninopportunetime.Maybetheywoul
dn’t take no for an answer. In any case, it’s important
torecognize that this experience is in the past and that
holdingontoitmaynotbeservingyoutoday.
Second, you may have had a disempowering
experiencewhen you tried to sell something to someone and
that
persontotallyrejectedyou.Inthisinstance,yourdistasteforprom
otionismerelyaprojectionofyourownfearoffailure
TheWealthFiles-103
and rejection. Again, realize the past does not necessarily
equalthefuture.
Third,yourissuemightcomefrompastparentalprogramming. Many of us were told that it’s impolite to
“tootyour own horn.” Well, that’s great if you make a living as
MissManners.Butintherealworld,whenitcomestobusinessand
money, if you don’t toot your horn, I guarantee nobody
will.Rich people are willing to extol their virtues and value
toanyone who will listen and hopefully do business with them
aswell.
Finally, some people feel that promotion is beneath them.
Icall this the high-and-mighty syndrome, otherwise known
asthe “Aren’t I so special?” attitude. The feeling in this case
isthatifpeoplewantwhatyouhave,theyshouldsomehowfindand
cometoyou.Peoplewhohavethisbeliefareeitherbrokeorsoonwi
llbe,that’sforsure.Theycanhopethateveryone’sgoing to scour
the land searching for them, but the truth isthat the
marketplace
is
crowded
with
products
and
services,andeventhoughtheirsmaybethebest,noonewilleverkn
owthatbecausethey’retoosnootytotellanyone.
You’re probably familiar with the saying “Build a
bettermousetrapandtheworldwillbeatapathtoyourdoor.”Well,t
hat’sonlytrueifyouaddfivewords:“iftheyknowaboutit.”
Rich people are almost always excellent promoters.
Theycan and are willing to promote their products, their
services,and their ideas with passion and enthusiasm. What’s
more,they’reskilledatpackagingtheirvalueinawaythat’sextremel
yattractive. If you think there’s something wrong with that,
thenlet’s ban makeup for women, and while we’re at it, we
might aswell get rid of suits for men. All that is nothing more
than“packaging.”
104-SecretsoftheMillionaireMind
RobertKiyosaki,bestsellingauthorofRichDad,PoorDad(abook
I
highly
recommend),
points
out
that
every
business,includingwritingbooks,dependsonselling.Henotesth
atheis recognized as a best-selling author, not a best-writing
author.Onepaysalotmorethantheother.
Rich people are usually leaders, and all great leaders
aregreat promoters. To be a leader, you must inherently
havefollowers and supporters, which means that you have to
beadept at selling, inspiring, and motivating people to buy
intoyourvision.EventhepresidentoftheUnitedStatesofAmeric
a has to continuously sell his ideas to the people,
toCongress, and even to his own party, to have them implemented. And way before all of that takes place, if he
doesn’tsellhimselfinthefirstplace,he’llneverevengetelected.
Inshort,anyleaderwhocan’torwon’tpromotewillnotbealead
erforlong,beitinpolitics,business,sports,orevenasaparent. I’m
harping on this because leaders earn a heck of a
lotmoremoneythanfollowers!
WEALTHPRINCIPLE:
Leaders earn a heck of a lot more money
thanfollowers!
Thecriticalpointhereisn’twhetheryouliketopromoteornot, it
is why you’re promoting. It boils down to your
beliefs.Doyoureallybelieveinyourvalue?Doyoureallybelievei
nthe product or service you’re offering? Do you really
believethat what you have will be of benefit to whomever
you’repromotingitto?
Ifyoubelieveinyourvalue,howcoulditpossiblybeap-
TheWealthFiles-105
propriatetohideitfrompeoplewhoneedit?Supposeyouhada
cure for arthritis, and you met someone who was
sufferingand in pain with the disease. Would you hide it
from him orher? Would you wait for that person to read your
mind orguess that you have a product that could help? What
wouldyou think of someone who didn’t offer suffering
people
theiropportunitybecausetheyweretooshy,tooafraid,ortoocoolt
opromote?
More often than not, people who have a problem
withpromotion don’t fully believe in their product or don’t
fullybelieve in themselves. Consequently, it’s difficult for
them toimagine that other people believe so strongly in their
value
thattheywanttoshareitwitheveryonewhocomestheirwayandina
nywaytheycan.
If you believe that what you have to offer can truly
assistpeople, it’s your duty to let as many people as possible
knowaboutit.Inthisway,younotonlyhelppeople,yougetrich!
DECLARATION:Placeyourhandonyourheartandsay...
“Ipromotemyvaluetootherswithpassionandenthusia
sm.”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Ratetheproductorserviceyouarecurrentlyoffering(oryouar
eplanningtooffer)from1to10intermsofhowmuch you
believe in its value (1 being the lowest,
10beingthehighest).Ifyourratingresultis7–9,
106-SecretsoftheMillionaireMind
reviseyourproductorservicetoincreasethevalue.Ifyourres
ultis6orbelow,stopofferingthatproductorservice and
start representing something you trulybelievein.
2. Readbooks,listentoaudiosandCDs,andtakecourseson
marketing and sales. Become an expert in both
ofthese arenas to a point where you can promote
yourvalue successfully andwith100 percentintegrity.
WealthFile#9
Richpeoplearebiggerthantheirproblems.Po
orpeoplearesmallerthantheirproblems.
As I said earlier, getting rich is not a stroll in the park. It is
ajourneythatisfulloftwists,turns,detours,andobstacles.Theroa
d to wealth is fraught with traps and pitfalls, and
that’sprecisely why most people don’t take it. They don’t
want thehassles, the headaches, and the responsibilities. In
short, theydon’twanttheproblems.
Therein lies one of the biggest differences between
richpeopleandpoorpeople.Richandsuccessfulpeoplearebiggert
han their problems, while poor and unsuccessful people
aresmallerthantheirproblems.
Poor people will do almost anything to avoid
problems.They see a challenge and they run. The irony is
that in theirquest to make sure they don’t have problems,
they have thebiggest problem of all... they’re broke and
miserable.
Thesecrettosuccess,myfriends,isnottotrytoavoidorgetridofors
hrinkfromyourproblems;thesecretistogrowyourselfsothatyou
arebiggerthananyproblem.
TheWealthFiles-107
WEALTHPRINCIPLE:
The secret to success is not to try to
avoidor get rid of or shrink from your
problems;thesecret isto growyourself so
that
youarebiggerthananyproblem.
Onascaleof1to10,1beingthelowest,imagineyouareaperson
withalevel2strengthofcharacterandattitudelookingat a level 5
problem. Would this problem appear to be big orlittle? From
a
level
2 perspective, a
level
5 problem
wouldseemlikeabigproblem.
Nowimagineyou’vegrownyourselfandbecomealevel8perso
n.Wouldthesamelevel5problembeabigproblemoralittle
problem? Magically, the identical problem is now a
littleproblem.
Finally, imagine you’ve really worked hard on yourself
andbecomealevel10person.Now,isthissamelevel5problemabi
g problem or a little problem? The answer is that it’s
noproblem. It doesn’t even register in your brain as a
problem.There’snonegativeenergyaroundit.It’sjustanormaloc
currence to handle, like brushing your teeth or
gettingdressed.
Note that whether you are rich or poor, playing big
orplaying small, problems do not go away. If you’re
breathing,you will always have so-called problems and
obstacles
in
yourlife.Letmemakethisshortandsweet.Thesizeoftheproblemi
snevertheissue—whatmattersisthesizeofyou!
Thismaybepainful,butifyou’rereadytomovetothenextlevel
ofsuccess,you’regoingtohavetobecomeconsciousofwhat’srea
llygoingoninyourlife.Ready?Heregoes.
108-SecretsoftheMillionaireMind
Ifyouhaveabigprobleminyourlife,allthatmeansisthatyouare
beingasmallperson!Don’tbefooledbyappearances.Yourouter
worldismerelyareflectionofyourinnerworld.Ifyou want to
make a permanent change, stop focusing on
thesizeofyourproblemsandstartfocusingonthesizeofyou!
WEALTHPRINCIPLE:
If you have a big problem in your life, all
thatmeansisthat youare beingasmallperson!
Oneofthenot-sosubtleremindersIgiveparticipantsatmyseminar
is
this:
whenever you feel as if you’ve got a bigproblem, point to
yourself and scream, “Mini me, mini me,mini me!” That will
abruptly wake you up and move yourattention back to where
it belongs—on yourself. Then, comingfrom your “higher self ”
(rather than your ego-based, victimself ), take a deep breath
and decide right now, in this verymoment, you will be a
bigger person and not allow anyproblem or obstacle to take
you out of either your happinessorsuccess.
The bigger the problems you can handle, the bigger
thebusinessyoucanhandle;thebiggertheresponsibilityyoucanh
andle,themoreemployeesyoucanhandle;themorecustomers
you can handle, the more money you can
handle,andultimately,themorewealthyoucanhandle.
Again,yourwealthcanonlygrowtotheextentthatyoudo!The
objective is to grow yourself to a place where you
canovercome any problems or obstacles that get in the way
ofyourcreatingwealthandkeepingitonceyouhaveit.
Bytheway,keepingyourwealthisawholeotherworld.
TheWealthFiles-109
Whoknew?Isuredidn’t.Ithoughtthatonceyoumadeit,youmadei
t!Boy,wasIinforarudeawakeningasIproceededtolose my first
million almost as fast as I made it. Now, inhindsight, I
understand what the issue was. At the time,
my“toolbox”wasn’tyetbigandstrongenoughtoholdthewealthI
hadachieved.Again,thankgoodnessIpracticedtheprinciplesoft
heMillionaireMindandwasabletoreconditionmyself!Notonlyd
idImakethatmillionback,butbecauseofmy
new
“money
blueprint,” I’ve made millions and millionsmore. Best of all,
I’ve not only kept it, but it keeps growing at aphenomenalrate!
Think of yourself as your container for wealth. If
yourcontainer is small and your money is big, what’s going
tohappen? You will lose it. Your container will overflow and
theexcess money will spill out all over the place. You
simplycannot have more money than the container.
Therefore
youmustgrowtobeabigcontainersoyoucannotonlyholdmorew
ealth but also attract more wealth. The universe abhors
avacuum and if you have a very large money container, it
willrushintofillthespace.
One of the reasons rich people are bigger than their problemsgoesbacktowhatwediscussedearlier.Theydon’tfocuson
the problem; they focus on their goal. Again, the
mindgenerally focuses on one predominant thing at a time.
Meaningthat either you are whining about the problem or
you
areworkingonthesolution.Richandsuccessfulpeoplearesolutio
n-oriented; they spend their time and energy strategizingand
planning the answers to challenges that come up,
andcreating systems to make certain that problem doesn’t
occuragain.
Poor and unsuccessful people are problem-oriented.
Theyspendtheirtimeandenergybitchingandcomplainingand
110-SecretsoftheMillionaireMind
seldomcomeupwithanythingcreativetoalleviatetheproblem,letalonemakesureitdoesn’thappenagain.
Richpeopledonotbackawayfromproblems,donotavoidprobl
ems, and do not complain about problems. Rich
peoplearefinancialwarriors.InourEnlightenedWarriorTrainingC
amp,thedefinitionofawarriorweuseis“onewhoconquersoneself.”
Thebottomlineisthatifyoubecomeamasterathandlingproble
ms and overcoming any obstacle, what can stop youfrom
success? The answer is nothing ! And if nothing can
stopyou,youbecomeunstoppable!Andifyoubecomeunstoppable,w
hat
choicesdoyouhaveinyourlife?Theanswerisallchoices.Ifyouareun
stoppable,anythingandeverythingisavailable to you. You simply
choose it and it’s yours! How’sthatforfreedom!
DECLARATIONS:Placeyourhandonyourheartandsay...
“Iambiggerthananyproblems.”“I
canhandleanyproblems.”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Wheneveryouarefeelingupsetovera“big”problem,pointtoyour
selfandsay,“Minime,minime.”Thentakeadeepbreath and say
to yourself, “I can handle this. I am
biggerthananyproblem.”
2. Writedownaproblemyouarehavinginyourlife.Thenlistten
specific actions you can take to resolve or at leastimprove
this situation. This will move you from
problemthinkingintosolutionthinking.
TheWealthFiles-111
First,there’sagoodchanceyou’llsolvetheproblem.Second,you’llf
eelaheckofalotbetter.
WealthFile#10
Richpeopleareexcellentreceivers.
Poorpeoplearepoorreceivers.
If I had to nail down the number one reason most people
donot reach their full financial potential, it would be this:
mostpeoplearepoor“receivers.”Theymayormaynotbegoodatg
iving, but they are definitely bad at receiving. And
becausetheyarepooratreceiving,theydon’t!
People are challenged by receiving for several reasons.
First,many people feel unworthy or undeserving. This
syndromerunsrampantinoursociety.Iwouldguessthat
over90percentofindividualshavefeelingsofnotbeinggoodenou
ghrunningthroughtheirveins.
Where does this low self-esteem come from? The usual—
ourconditioning.Formostofusitcomesfromhearingtwentynos
for every yes, ten “You’re doing it wrong”s for
every“You’re doing it right,” and five “You’re stupid”s for
every“You’reawesome.”
Even if our parents or guardians were incredibly
supportive,manyofusendupwithfeelingsofnotbeingabletoconti
nually measure up to their accolades and expectations.
Soonceagain,we’renotgoodenough.
In addition, most of us grew up with the element of punishment in our lives. This unwritten rule simply states that
ifyou do something wrong, you will or should be
punished.Someofuswerepunishedbyourparents,somebyour
112-SecretsoftheMillionaireMind
teachers... and some of us in certain religious circles
werethreatened with the mother of all punishments, not
gettingintoheaven.
Of course, now that we’re adults, all this is over.
Right?Wrong!Formostpeople,theconditioningofpunishmentis
soingrainedthat,becausethere’snoonearoundtopunishthem,wh
entheymakeamistakeorjustaren’tperfect,theysubconsciously
punish themselves. When they were young,this punishment
might have come in the form of “You werebad, so no
candy.” Today, however, it could take the form of“You were
bad, so no money.” This explains why some
peoplelimittheirearnings,andwhyotherswillsubconsciouslysa
botagetheirsuccess.
Nowonderpeoplehavedifficultyreceiving.Onetinymistakea
ndyou’redoomedtocarrytheburdenofmiseryandpoverty for the
rest of your life. “A little harsh,” you say? Sincewhen did the
mind
become
logical
or
compassionate?
Again,theconditionedmindisafilefolderfilledwithpastprogram
ming, made-up meanings, and stories of drama
anddisaster.“Makingsense”isnotitsstrongsuit.
Here’s something I teach in my seminars that might
makeyou feel better. In the end, it doesn’t matter whether
you feelworthy or not, you can be rich either way. Plenty of
wealthypeople don’t feel overly worthy. In fact, it’s one of
the majormotivations for people to get rich...to prove
themselves andtheir worth to themselves or to others. The
idea that self-worth is necessary for net worth is just that, an
idea, but itdoesn’t necessarily hold water in the real world.
As we saidearlier, getting rich to prove yourself may not
make
you
thehappiestcamper,soyou’rebetteroffcreatingwealthforotherr
easons.Butwhat’simportanthereisforyoutorealize
TheWealthFiles-113
that your feeling of unworthiness won’t prevent you
fromgetting rich; from a strictly financial point of view this
couldactuallybeamotivationalasset.
Havingsaidthat,IwantyoutogetwhatI’mgoingtosharewithy
ou,loudandclear.Thiscouldeasilybeoneofthemostimportantm
omentsofyourlife.Areyouready?Heregoes.
Recognizethatwhetheryouareworthyornotisallamadeup“story.”Again,nothinghasmeaningexceptforthemeaning
we give it. I don’t know about you, but I’ve
neverheardofanybodywhowentthroughthe“stamping”lineupa
tbirth.CanyouimagineGodstampingeachperson’sforeheadas
he or she came through? “Worthy...unworthy...
worthy,worthy...unworthy. Yuck...definitely unworthy.” Sorry,
I don’tthink it works that way. There’s no one who comes
aroundand stamps you “worthy” or “unworthy.” You do
that. Youmake it up. You decide it. You and you alone
determine
ifyou’regoingtobeworthy.It’ssimplyyourperspective.Ifyousay
you’reworthy,youare.Ifyousayyou’renotworthy,you’renot.
Either way you will live into your story. This is so critical,I’m
going to repeat that again: you will live into your story.
It’sthatsimple.
WEALTHPRINCIPLE:
Ifyousayyou’reworthy,youare.
If you say you’re not worthy, you’re
not.Eitherwayyouwillliveinto yourstory.
Sowhywouldpeopledothistothemselves?Whywouldpeoplema
keupthestorythatthey’renotworthy?It’sjust
114-SecretsoftheMillionaireMind
the nature of the human mind, the protective part of us
that’salways looking for what’s wrong. Ever notice that a
squirreldoesn’tworryaboutthesethings?Canyouimagineasquir
relsaying, “I’m not going to collect many nuts this year to
preparefor winter because I’m not worthy?” Doubtful,
because
theselowintelligencecreatureswouldneverdothattothemselves.Only the
most
evolved
creature
on
the
planet,
the
humanbeing,hastheabilitytolimititselflikethis.
One of my own sayings is “If a hundred-foot oak tree
hadthe mind of a human, it would only grow to be ten feet
tall!”Sohere’smysuggestion:sinceit’saloteasiertochangeyours
torythanyourworthiness,insteadofworryingaboutchanging
your worthiness, change your story. It’s a lot fasterand
cheaper. Simply make up a new and much more supportivestoryandliveintothat.
“Oh, but I couldn’t do that,” you say. “I’m not qualified
todecidethatI’mworthy.Thathastocomefromsomeoneelse.”So
rry, I say, that’s not quite accurate, which is a nice way
ofsaying“Bullpoo!”Itwouldn’tmakeadifferencewhatanyonesa
ysorsaidinthepast,becauseyouhavetobelieveitandbuyinto it
for it to have any effect and that can’t come fromanyone else
but you. But just to make you feel better, let’s playthe game
and I’ll do for you what I do for thousands ofparticipants at
the
Millionaire
Mind
Intensive
Seminar:
I
willpersonallyanointyou.
WEALTHPRINCIPLE:
“If a hundred-foot oak tree had the mind of
ahuman,itwouldonlygrowtobetenfeettall!”
—T.HarvEker
TheWealthFiles-115
Thisisaspecialceremony,soI’mgoingtoaskyoutoeliminate any
distractions
right
now.
Stop
munching,
stoptalkingonthephone,andstopwhateveryou’redoing.Men,if
youlike,youcanchangeintoasuitandtie,althoughatuxedowould
be best. Women, a formal evening gown and
heelswouldbeperfect.Andifyoudon’thaveanythingthat’sclassy
ornewenough,thiswoulddefinitelybeanoccasiontogobuyyours
elfabrand-newdress,designerlabelpreferred.
If you’re all ready, let’s begin. Please kneel down on
oneknee and bow your head in respect. Ready, here goes.
“BYTHE POWER INVESTED IN ME, I HEREBY
ANOINTYOUAS‘WORTHY’FROMNOWUNTILFOREV
ERMORE!”
Okay we’re done. You can stand up now and hold
yourhead high because you are finally worthy. Here’s some
sageadvice: stop buying into that “worthiness” or
“unworthiness”crapandstarttakingtheactionsyouneedtotaketo
getrich!
Thesecondmajorreasonmostpeoplehaveaproblemwithrecei
vingisthattheyhaveboughtintotheadage“It’sbettertogivethant
oreceive.”Letmeputthisaselegantlyaspossible:“Whatacrock!”
Thatstatementistotalhogwash,andincaseyou haven’t noticed,
it’s
usually
propagated
by
people
andgroupswhowantyoutogiveandthemtoreceive.
Thewholeideaisludicrous.What’sbetter,hotorcold,bigorsm
all,leftorright,inorout?Givingandreceivingaretwosides of the
same coin. Whoever decided that it is better togive than to
receive was simply bad at math. For every giverthere must be
a receiver, and for every receiver there must be agiver.
116-SecretsoftheMillionaireMind
WEALTHPRINCIPLE:
For everygivertheremustbea
receiver,andforeveryreceiver
theremustbeagiver.
Thinkaboutit!Howcouldyougiveifthereweren’tsomeone or
something there to receive? Both have to be
inperfectbalancetoworkonetoone,fifty-fifty.Andsincegiv-ing
and receiving must always equal each other, they must
alsobeequalinimportance.
Besides, how does it feel to give? Most of us would
agreethat giving feels wonderful and fulfilling. Conversely,
howdoes it feel when you want to give and the other person
isn’twilling to receive? Most of us would agree that it feels
terrible.Soknowthis:ifyouarenotwillingtoreceive,thenyouare“rippingof
f”thosewhowanttogivetoyou.
You are actually denying them the joy and pleasure
thatcomes from giving; instead, they feel lousy. Why?
Again,everything is energy, and when you want to give but
can’t,
thatenergycannotbeexpressedandgetsstuckinyou.That“stuck”
energythenturnsintonegativeemotions.
To make matters worse, when you are not willing to
fullyreceive, you are training the universe not to give to you!
It’ssimple:ifyouaren’twillingtoreceiveyourshare,itwillgotoso
meone else who is. That’s one of the reasons the rich
getricher and the poor get poorer. Not because they’re any
moreworthy, but because they are willing to receive while
mostpoorpeopleare not.
I learned this lesson in a big way while camping by myself
inthe forest. In preparation for my two-day sojourn I
madewhat’scalledaleanto.Thismeanstyingthetoppartofatarptoatreeandthenfasteningt
hebottomtothegroundto
TheWealthFiles-117
create a forty-five-degree roof over my head when I
slept.Thank goodness I prepared this mini-condo because it
rainedall night. When I came out of my shelter that morning,
I
wasnoticinghowdryIandeverythingelseunderthetarpwas.Atth
esametime,however,Icouldn’thelpbutnoticethisunusually
deep puddle that had collected at the bottom of thetarp. All
of a sudden I heard this inner voice say to me,“Nature is
totally abundant but not discriminating. When therain falls,
it has to go somewhere. If one part is dry,
anotherpartwillbedoublywet.”AsIstoodoverthepuddle,Irealiz
edthisisexactlythewayitworkswithmoney.There’splentyofit,
trillions of trillions of dollars floating around, it’s in
definiteabundance, and it has to go somewhere. The deal is
this: ifsomebody isn’t willing to receive his or her share, it must
go towhoever will. The rain doesn’t care who gets it and
neitherdoesmoney.
AtthispointintheMillionaireMindseminarIteachpeoplethesp
ecialprayerIcreatedaftermyexperienceunderthetarp.Ofcoursei
t’salittletongue-incheek,butthelessonisobvious.Itgoeslikethis:“Universe,ifanyo
nehassomethinggreatcomingtothemandthey’renotwillingtota
keit,senditto me! I am open and willing to receive all of your
blessings.Thankyou.”Ihavetheentireaudiencerepeatthiswithm
eandthey go crazy! They’re excited because it feels amazing
to betotally willing to receive, and it feels great because it’s
totallynatural to do so. Anything you’ve made up to the
contrary
is,again,justa“story”thatisn’tservingyouoranyoneelse.Letyou
rstorygoandyourmoneycome.
Rich people work hard and believe it’s perfectly
appropriatetobewellrewardedfortheireffortsandthevaluetheypr
ovideforothers.Poorpeopleworkhard,butduetotheir
118-SecretsoftheMillionaireMind
feelings of unworthiness, they believe that it is
inappropriatefor them to be well rewarded for their efforts
and the valuethey provide. This belief sets them up to be
perfect
victims,andofcourse,howcanyoubea“good”victimifyouarewe
llrewarded?
Many poor people actually believe they are better
peoplebecause they are poor. Somehow they believe they’re
morepious or spiritual or good. Baloney! The only thing
poorpeople are, is poor. I had a gentleman at the course
come tome in tears. He said, “I just don’t see how I could
feel goodabout having a lot of money when others have so
little.”
Iaskedhimafewsimplequestions:“Whatgooddoyoudoforpoor
people by being one of them? Whom do you help
bybeingbroke?Aren’tyoujustanothermouthtofeed?Wouldn’tit be
more effective for you to create wealth for yourself andthen
be able to really help others from a place of
strengthinsteadofweakness?”
He stopped crying and said, “For the first time, I got it.
Ican’t believe what garbage I’ve been thinking. Harv, I
believethetimehascomeformetogetrichand,alongtheway,help
others.Thankyou.”Hewentbacktohisseatanewman.Igotan email from him not long ago telling me he’s making tentimes
what he used to earn and that he’s feeling awesomeabout it.
Best of all, he says, it feels tremendous to be able toassist
some ofhis friendsandfamily who arestillstruggling.
Thisleadsmetoanimportantpoint:ifyouhavethewherewithal
to have a lot of money, have it. Why? Because thetruth is that
we are extremely fortunate to be living in thissociety, a
society whereby each person is in fact rich
comparedtomanyotherpartsoftheworld.Somepeoplejustdon’te
verhavetheopportunitytohavealotofmoney.Ifyouareoneofthel
uckypeoplewhodohavethatability,
TheWealthFiles-119
andeachofyouisoryouwouldn’tbereadingabooklikethis,then
use your wherewithal for all it’s worth. Get really rich andthen
help people who don’t have the opportunity you did.That
makes a lot more sense to me than being broke
andhelpingnoone.
Of course there are the people who will say, “Money
willchangeme.IfIgetrich,Imightturnintosomekindofgreedyjer
k.”First,theonlypeoplewhosaythatarepoorpeople.It’sjust
another justification for their failure, and it comes fromjust
another one of the many “inner” weeds in their
financialgarden.Don’tbuyit!
Second, let me set the record straight. Money will only
makeyou more of what you already are. If you’re mean, money will
affordyou the opportunity to be meaner. If you’re kind,
money willafford you the opportunity to be kinder. If you’re
a
jerk
atheart,withmoneyyoucanbejerkier.(Iknowthere’snosuchwor
d,butifyouwerearealjerk,you’dfindaway.)Ifyou’regenerous,
more money will simply allow you to be moregenerous.And
anyonewho tells you different isbroke !
WEALTHPRINCIPLE:
Money will only make
youmoreofwhatyoualreadyar
e.
Sowhattodo?Howdoyoubecomeagoodreceiver?
First, begin to nurture yourself. Remember, people
arecreatures of habit, and therefore you will have to
consciouslypracticereceivingthebestlifehastooffer.
Oneofthekeyelementsinthemoneymanagementsystemwete
achintheMillionaireMindIntensiveSeminaris
120-SecretsoftheMillionaireMind
having a “play” account where you get to blow a
designatedamountofmoneyonthingsthatnurtureyouandallowy
outo“feel like a million.” The idea of this account is to help
youvalidateyourworthinessandstrengthenyour“receivingmus
cle.”
Second,Iwantyoutopracticegoingcrazywithexcitementand
gratitude anytime you find or receive any money. It’sfunny,
when I was broke and I saw a penny on the ground, Iwould
never stoop so low as to pick up a lowly penny.
NowthatI’mrich,however,Ipickupanythingthatevenlookslike
money. Then I give it a kiss for good luck and declare
outloud, “I am a money magnet. Thank you, thank you,
thankyou.”
I don’t stand there judging the denomination. Money
ismoney, and finding money is a blessing from the
universe.Now that I’m fully willing to receive anything and
everythingthatcomesmyway,Ido!
Being open and willing to receive is absolutely critical if
youwant to create wealth. It’s also critical if you want to keep it.
Ifyou are a poor receiver and you somehow fall into a substantial amount of money, chances are it’ll be gone
quickly.Again, “first the inner, then the outer.” First, expand
your re-ceiving“box.”Thenwatchasthemoneycomesintofillit.
Again, the universe abhors a vacuum. In other words,
anempty space will always be filled. Have you ever noticed
whathappens with an empty closet or garage? It usually doesn’t
stayemptyforlong,doesit?Haveyoualsonoticedhowstrangeitis
that the time taken for any task will always be equal to
thetime given? Once you expand your capacity to receive,
youwill.
Also, once you become truly open to receiving, the rest
ofyourlifewillopenup.Notonlywillyoureceivemore
TheWealthFiles-121
money, but you’ll also receive more love, more peace,
morehappiness, and more fulfillment. Why? Because of
anotherprincipleIconstantlyusethatstates,“Howyoudoanythin
gishowyoudoeverything.”
WEALTHPRINCIPLE:
Howyoudoanythingishow youdoeverything.
The way you are in one area is usually the way you are in
allareas. If you’ve been blocking yourself from receiving
money,chances are you’ve been blocking yourself from
receivingeverything else that’s good in life. The mind
doesn’t usuallydelineate specifically where you are a poor
receiver.
In
fact,
it’sjusttheopposite:themindhasahabitofovergeneralizingandsa
ys,“Thewayitis,isthewayitis,everywhereandalways.”
Ifyou’reapoorreceiver,you’reapoorreceiverinallareas.Theg
oodnewsisthatwhenyoubecomeanexcellentreceiver,you’llbea
nexcellentreceivereverywhere...andopentoreceivingallthatthe
universehastoofferinallareasofyourlife.
Now the only thing you’ll have to remember is to
keepsaying “Thank you”asyoureceiveallofyourblessings.
DECLARATION:Placeyourhandonyourheartandsay...
“I am an excellent receiver. I am open and willing
toreceivemassiveamountsofmoneyintomylife.”
Touchyourheadandsay...
“Ihave amillionairemind!”
122-SecretsoftheMillionaireMind
MILLIONAIREMINDACTIONS
1. Practicebeinganexcellentreceiver.Eachtimesomeonegivesy
ouacomplimentofanysort,simplysay,“Thankyou.” Do not
return a compliment to that person at
thesametime.Thisallows
youtofullyreceiveandownthecomplimentinsteadof“deflecti
ng”it,asmostpeopledo.This also allows the giver of the
compliment the joy
ofgivingthegiftwithoutitbeingthrownbackatthem.
2. Any,andImeanany,
moneyyoufindorreceiveshouldenthusiasticallybecelebrated
.Goaheadandscreamout,“I’mamoneymagnet.Thankyou,tha
nkyou,thankyou.”This goes for money you find on the
ground, for
moneyyougetasgifts,formoneyyougetfromthegovernment,f
ormoneyyougetasapaycheck,andformoneyyougetfrom
your business. Remember, the universe is set up
tosupport you. If you keep declaring that you are a
moneymagnet,andespeciallyifyouhavetheproof,theunivers
ewillsimplysay,“Okay,”andsendyoumore.
3. Pamper yourself. At least once a month do
somethingspecialtonurtureyourselfandyourspirit.Getamass
age,amanicure,orapedicure,takeyourselfforanextravagantlu
nch or dinner, rent a boat or a weekend cottage,
havesomeone bring you breakfast in bed. (You might
have
totradewithafriendorfamilymember.)Dothingsthatwillallow
you to feel rich and deserving. Again, the
vibrationalenergyyouemitfromthiskindofexperiencewillsen
damessage to the universe that you live abundantly,
andagain, the universe will simply do its job and say,
“Okay,”andgiveyouopportunitiesformore.
TheWealthFiles-123
WealthFile#11
Richpeoplechoosetogetpaidbasedonresults.Poorpe
oplechoosetogetpaidbasedontime.
Have you ever heard this advice: “Go to school, get
goodgrades, get a good job, get a steady paycheck, be on time,
workhard . . . and you’ll live happily ever after”? I don’t know
aboutyou,butI’dsurelovetoseethewrittenguaranteeonthatone.
Unfortunately, this sage advice comes directly from the Book
ofFairyTales,VolumeI,rightafterthetoothfairystory.
I’m not going to bother debunking the entire
statement.Youcandothatforyourselfbycheckingyourownexper
ienceand the lives of everyone around you. What I will discuss
is theidea behind the “steady” paycheck. There’s nothing
wrongwith getting a steady paycheck, unless it interferes
with yourability to earn what you’re worth. There’s the rub.
It usuallydoes.
WEALTHPRINCIPLE:
There’s nothing wrong with getting a
steadypaycheck, unless it interferes with your
abilitytoearnwhatyou’reworth. There’sthe rub.
Itusuallydoes.
Poor people prefer tobepaid asteadysalaryorhourly
wage.Theyneedthe“security”ofknowingthatexactlythe
124-SecretsoftheMillionaireMind
sameamountofmoneyiscominginatexactlythesametime,mont
h in, month out. What they don’t realize is that
thissecuritycomeswithaprice,andthecostiswealth.
Living based in security is living based in fear. What
you’reactually saying is “I’m afraid I won’t be able to earn
enoughbased on my performance, so I’ll settle for earning just
enoughtosurviveortobecomfortable.”
Rich people prefer to get paid based on the results
theyproduce, if not totally, then at least partially. Rich
peopleusually own their own business in some form. They
make theirincome from their profits. Rich people work on
commissionor percentages of revenue. Rich people choose
stock optionsand profit sharing in lieu of higher salaries.
Notice there are noguarantees with any of the above. As
stated earlier, in thefinancial world the rewards are usually
proportionate to therisk.
Rich people believe in themselves. They believe in
theirvalue and in their ability to deliver it. Poor people don’t.
That’swhytheyneed“guarantees.”
Recently, I dealt with a public relations consultant
whowanted me to pay her a fee of $4,000 per month. I asked
herwhatI’dreceiveformy$4,000.SherepliedthatI’dseeatleast
$20,000 of coverage per month in the media. I said, “What
ifyou don’t produce those results or anything close to it?”
Sheanswered that she would still be putting in the time, so
shedeservedtogetpaid.
I replied, “I’m not interested in paying for your time.
I’minterestedinpayingyouforaspecificresult,andifyoudon’tpr
oducethatresult,whyshouldIpayyou?Ontheotherhand,ifyoupr
oduceevengreaterresults,youshouldgetpaidmore.Tell
you
what: I’ll give you fifty percent of whatever
mediavalueyouproduce.Accordingtoyourfigures,
TheWealthFiles-125
that would mean paying you ten thousand dollars per
month,whichismorethandoubleyourfee.”
Did she go for it? Nope! Is she broke? Yup! And she will
befor the rest of her life or until she figures out that to get
richyouwillneedtobepaidbasedonresults.
Poor people trade their time for money. The problem
withthis strategy is that your time is limited. This means that
youinvariably end up breaking Wealth Rule #1, which
states,“Never have a ceiling on your income.” If you choose
to getpaid for your time, you are pretty much killing your
chancesforwealth.
WEALTHPRINCIPLE:
Neverhaveaceilingon yourincome.
This rule also applies to personal service businesses,
where,again, you generally get paid for your time. That’s why
lawyers,accountants, and consultants who are not yet
partners
in
theirfirm—
andthereforedon’tshareinthebusinessprofits—
makeamoderatelivingatbest.
Suppose you are in the pen business and you get an
orderforfiftythousandpens.Ifthiswerethecase,whatwouldyoud
o? You’d simply call your supplier, order fifty thousand
pens,send them off, and happily count your profits. On the
otherhand,supposeyouareamassagetherapistandyou’refortuna
teenoughtohavefiftythousandpeoplelinedupoutside your door
all wanting a massage from you. What doyou do? You kill
yourself
for
not
being
in
the
pen
business.Whatelsecanyoudo?Tryexplainingtothelastpersonin
linethatyoumayberunning“alittlelate,”asintheirappointmentis
Tuesdayat3:15,fourdecadesfromnow!
126-SecretsoftheMillionaireMind
I’m not suggesting there’s anything wrong with being in
apersonal service business. Just don’t expect to get rich
anytimesoonunlessyoucreateawaytoduplicateorleverage
yourself.
At my seminars, I often meet salaried or hourly wage employeeswhocomplaintomethatthey’renotgettingpaidwhatthey
’re worth. My response is “In whose opinion? I’m
sureyourbossthinksyou’rebeingcompensatedfairly.Whydon’t
yougetoffthesalarytreadmillandasktobepaidbasedfullyor
partially on your performance? Or, if that is not
possible,whynotworkforyourself?Thenyou’llknowyou’remak
ingexactly what you’re worth.” Somehow, this advice
doesn’tseem to appease these people, who are obviously
terrified oftestingtheir“true”valueinthemarketplace.
The fear most people have of being paid based on
theirresults is often just a fear of breaking out of their old
condi-tioning. In my experience, most people who are stuck
in thesteady-paycheck rut have past programming that tells
themthisisthe“normal”waytogetpaidforyourwork.
You can’t blame your parents. (I guess you can if you’re
agoodvictim.)Mostparentstendtobeoverlyprotective,soit’sonl
y natural for them to want their kids to have a
secureexistence. As you’ve probably already found out, any
work
thatdoesn’tprovideasteadypaycheckusuallyproducestheinfam
ousparentalresponse“Whenareyougoingtogetarealjob?”
I remember, when my parents asked me that
question,thankgoodnessmyreplywas“Hopefullynever!”Mym
otherwas devastated. My father, however, said, “Good for
you.You’ll never get rich working on straight salary for
someoneelse. If you’re going to get a job, make sure you get
paid onpercentage.Otherwise,goworkforyourself!”
TheWealthFiles-127
Itooencourageyoutowork“foryourself.”Startyourownbusin
ess,workoncommission,getapercentageofrevenueorcompany
profits,orgetstockoptions.Whateveryourvehicle,makecertain
youcreateasituationthatallowsyoutogetpaidbasedonyourresult
s.
Personally, I believe just about everyone should own
theirown business, be it full-time or part-time. The first
reason isthat by far, the vast majority of millionaires became rich by
being in theirownbusiness.
Secondly, it’s extremely difficult to create wealth when
thetaxmanisgrabbingalmosthalfofeverythingyouearn.Wheny
ou own a business, you can save a small fortune in taxes
bywritingoffaportionofyourexpensesforsuchthingsasyourcar,
travel, education, and even your home. For that
reasonalone,it’sworthhavingyourownbusiness.
Ifyoudon’thaveabrilliantbusinessidea,nottoworry:youcan
use someone else’s. First, you can become a
commissionedsalesperson.Sellingisoneoftheworld’shighestpaidprofessions. If you’re good, you can earn a fortune.
Second,youcanjoinanetworkmarketingcompany.Therearedoz
ensof excellent ones, and they have in place all of the
productsand systems you need to get started immediately.
For just afew bucks, you can become a distributor and have
all thebenefits of owning a business with few of the
administrativehassles.
If it resonates with you, network marketing can be a dynamite vehicle for wealth. But, and this is a big but, don’t
thinkfor a minute that you’re going to get a free ride.
Networkmarketingwillonlyworkifyoudo.Itwilltaketraining,ti
me,andenergytosucceed.Butifyoudo,incomesintherangeof
$20,000 to $50,000 per month—that’s right, per month—
arenot uncommon. In any case, just signing
128-SecretsoftheMillionaireMind
up and becoming a part-time distributor will give you
someexcellent tax advantages, and who knows, maybe you’ll
enjoythe product enough to offer it to others and end up
making aniceincometo boot.
Another option is exchanging your “job” for a
“contract”position. If your employer is willing, he or she can
hire yourcompany instead of you to do basically what you’re
doing
now.Afewlegalrequirementshavetobefulfilled,butforthemostp
art, if you add one or two more clients, even part-time,
youcan get paid as a business owner instead of an employee
andenjoy business-owner tax benefits. Who knows, those
part-time clients may grow to become full-time clients,
whichwouldthengiveyoutheopportunitytoleverageyourself,hi
reotherpeopletogetalltheworkdone,andeventuallyyou’llberun
ningyourownfull-onbusiness.
Youmightthink,“Myemployerwouldnevergoforthat.”Iwoul
dn’t be too sure about that. You have to understand, itcosts a
company a fortune to have an employee. Not only dothey
have to pay salary or wages, but they have to pay a whackof
money on top of that to the government, often to the
tuneof25percentormoreabovewhattheemployeeearns.Addtot
hatthecostofthebenefitspackagethatmostemployeesget,and
you’ve probably got a 50 percent savings to a companythat
chooses to hire you as an independent consultant.
Ofcourseyouwon’tbeeligibleformanyofthebenefitsyougotasa
nemployee,butforwhatyousaveintaxesalone,youcanbuythebe
stofwhatyouneedonyourown.
Intheend,theonlywaytoearnwhatyou’rereallyworthistogetpai
dbasedonyourresults.Onceagain,mydadsaiditbest:“You’ll
neverget rich working onstraight salary for
TheWealthFiles-129
someoneelse.Ifyou’regoingtogetajob,makesureyougetpaidon
percentage.Otherwise,goworkforyourself!”
Nowthat’ssageadvice!
DECLARATION:Placeyourhandonyourheartandsay...
“Ichoosetogetpaidbasedonmyresults.”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. If you are currently in a job getting paid based on
anhourlywageorsalary,createandproposeacompensa-tion
plan to your employer that would allow you to getpaid
at least partly based on your individual results as
wellastheresultsofthecompany.
If you own your own business, create a
compensationplan that allows your employees or
even
primary
supplierstogetpaidbasedmoreontheirresultsandthere
sultsofyourcompany.
Puttheseplansintoactionimmediately.
2. If you are currently in a job and not being paid
whatyou are worth based on the results you are
producing,consider starting start your own business.
You canbeginpart-time.Youcouldeasilyjoina
networkmar-keting company or become a coach,
teaching otherswhat you know, or offer your
independent
consultingservicesbacktothecompanyyouoriginallywork
edfor,but this time, paid on performance and results
ratherthanonlyforyourtime.
130-SecretsoftheMillionaireMind
SuccessStoryfromSean Nita
DearHarv,
I can’t explain how grateful we are that we were introduced to you by one of my wife’s friends. At the time
I’djust received a $10,000 cut in pay. We were
desperatelylooking for options, as we were not making ends
meetanymore.
At the Millionaire Mind Intensive, we learnedthe toolsthat
helped us create financial freedom. Once we put thetools in
place, miracles started to happen. We were able topurchase
five homes within the next year. All with aminimum profit of
at least $18,000 each. The fifth house hada profit of
$300,000, six times my previous yearly salary! Iwas able to
quit my job of fourteen years and become a full-time real
estate investor, giving me the free time to be
withmyfamilyandfriends.
Your method of teaching at the cellular level has been
agreat key to our success. I cannot wait for what is ahead.
IonlywishI’dlearnedthiswhenIwasinmytwenties.
Thankyou.
Sincerely,S
ean
NitaSeattle,
WA
TheWealthFiles-131
WealthFile#12
Rich people think
“both.”Poorpeoplethink“eithe
r/or.”
Rich people live in a world of abundance. Poor people live in
aworldoflimitations.Ofcourse,bothliveinthesamephysicalwor
ld,butthedifferenceisintheirperspective.Poorandmostmiddleclasspeoplecomefromscarcity.Theylivebymottossuch
as
“There’s only so much to go around, there’s neverenough,
and you can’t have everything.” And although
youmaynotbeabletohave“everything,”asinallthethingsinthew
orld, I do think you can certainly have “everything you
reallywant.”
Doyouwantasuccessfulcareeroracloserelationshipwithyour
family?Both!Doyouwanttofocusonbusinessorhavefun
and
play? Both! Do you want money or meaning in yourlife?
Both! Do you want to earn a fortune or do the work
youlove?Both!
Poorpeople
always
choose
one,
richpeoplechooseboth.
Richpeopleunderstandthatwithalittlecreativityyoucanalmo
st always figure out a way to have the best of both worlds.From
now on, when confronted with an either/or
alternative,thequintessentialquestiontoaskyourselfis“Howcan
Ihaveboth?” This question will change your life. It will take
youfrom a model of scarcity and limitation to a universe
ofpossibilitiesandabundance.
This doesn’t just pertain to things you want, it pertains to
allareas of life. For example, right now, I’m preparing to
dealwith an unhappy supplier that believes my company,
PeakPotentials, should pay for certain expenses they’ve had
thatweren’toriginallyagreedto.Myfeelingisthatestimat-
132-SecretsoftheMillionaireMind
ing his costs is his business not mine, and if he’s
incurredhigher expenses, that’s something he has to deal
with.
I’mmorethanwillingtonegotiateanewagreementfornexttime,b
ut I’m big on keeping agreements that were already
made.Now in my “broke” days, I’d go into this discussion
with
thegoalofmakingmypointandmakingsureIdon’tpaythisguyon
ecentmorethanweagreedupon.AndeventhoughI’dliketo keep
him as a supplier, this would probably end up in
ahugeargument.I’dgointhinkingeitherhewinsorIwin.
Today, however, because I’ve trained myself to think
interms of “both,” I’m going into this discussion
completelyopen to creating a situation where I’m not going
to pay himany more money and he’s going to be extremely
happy
with
thearrangementswedomake.Inotherwords,mygoalistohavebot
h!
Here’s another example. Several months ago I decided
topurchaseavacationhomeinArizona.IscouredtheareaIwasinte
rested in, and every real estate agent told me, if I
wantedthreebedroomsplusadeninthatvicinity,I’dhavetopayov
era million dollars. My intention was to keep my investment
inthis home under a million. Most people would either
lowertheir expectations or raise their budget. I held out for
both. Irecently got a call that the owners of a house in the
exactlocation I wanted, with the number of rooms I wanted,
hadreducedtheirprice$200,000tounderamillion.
Hereisanothertributetotheintentionofhavingboth!
Finally,IalwaystoldmyparentsthatIdidn’twanttoslaveaway
at work I didn’t enjoy and that I would “get rich
doingwhatIlove.”Theirresponsewastheusual:“You’relivingin
adreamworld.Lifeisnotabowlofcherries.”Theysaid,
TheWealthFiles-133
“Business is business, pleasure is pleasure. First you
takecareofmakingaliving,then,ifthere’sanytimeleftover,youc
anenjoyyourlife.”
I remember thinking to myself, “Hmm, if I listen to
them,I’ll end up like them. No. I’m gonna have both!” Was it
tough?You bet. Sometimes I’d have to work at a job I hated
for aweek or two so I could eat and pay the rent. But I never
lostmyintentionofhaving“both.”Inevergotstucklong-termina
job or business I didn’t like. Eventually I did become
richdoingwhatIloved.NowthatIknowitcanbedone,Icontinueto
pursueonlytheworkandprojectsthatIlove.Bestof all, I now
have the privilege of teaching others to do thesame.
Nowhere is “both” thinking more important than when
itcomestomoney.Poorandmanymiddleclasspeoplebelievethattheyhavetochoosebetweenmoneyandth
eotheraspectsoflife.Consequentlythey’verationalizedapositio
nthatmoneyisnotasimportantasotherthings.
Let’s set the record straight. Money is important! To
saythat it’s not as important as any of the other things in life
isludicrous. What’s more important, your arm or your
leg?Coulditbethatbothareimportant?
Money is a lubricant. It enables you to “slide” through
lifeinstead of having to “scrape” by. Money brings
freedom—freedom to buy what you want, and freedom to do
what youwant with your time. Money allows you to enjoy
the finerthings in life as well as giving you the opportunity
to helpothers have the necessities in life. Most of all, having
moneyallows you not to have to spend your energy worrying
aboutnothavingmoney.
Happiness is important too. Again, here’s where poor
andmiddle-classpeoplegetconfused.Manybelievemoneyand
134-SecretsoftheMillionaireMind
happiness are mutually exclusive, that either you can be rich
oryou can be happy. Again, this is nothing more than
“poor”programming.
People who are rich in every sense of the word
understandthatyouhavetohaveboth.Justasyouhavetohaveboth
yourarmsand your legs,you have tohavemoney and happiness.
YouCanHaveYourCakeandEatItToo!
Sohere’sanothermajordifferencebetweenrichpeople,middleclasspeople,andpoorpeople:
Rich people believe “You can have your cake and eat
ittoo.”
Middle-class people believe “Cake is too rich, so I’ll
onlyhavealittlepiece.”
Poor people don’t believe they deserve cake, so they order
adoughnut, focus on the hole, and wonder why they
have“nothing.”
WEALTHPRINCIPLE:
Richpeoplebelieve
“Youcanhave yourcakeandeatittoo.”
Middle-classpeoplebelieve
“Cake is too rich, so I’ll only have a little
piece.”Poorpeopledon’tbelievetheydeservecake
,so they order a doughnut, focus on the
hole,andwonder whythey have “nothing.”
Iaskyou,whatistheuseofhavingyour“cake”ifyoucan’teatit?Whate
xactlyareyousupposedtodowithit?Put
TheWealthFiles-135
itonyourmantelandlookatit?Cakeismeanttobeeatenandenjoye
d.
Either/or thinking also trips up people who believe that
“ifIhavemore,thensomeoneelsewillhaveless.”Again,thisisnot
hing more than fear-based, self-defeating programming.The
notion that the wealthy people of the world have and
aresomehow hoarding all the money, so there’s none left
foranyone else, is preposterous. First, this belief assumes
thatthereisalimitedsupplyofmoney.I’mnotaneconomist,butfro
m what I can see, they just keep printing more of the
stuffevery day. The actual money supply hasn’t been tied to any
realasset for decades. So even if the wealthy had all the
moneytoday, tomorrow there’d be millions, if not billions,
moreavailable.
The other thing people with this limited belief don’t seem
torealize is that the same money can be used over and over,
tocreate value for everyone. Let me give you an example
I’veusedinourseminars.I’llaskfivepeopletocomeonstageandbr
inganitemwiththem.Iaskthemtostandinacircle.ThenIgivea$5b
illtothefirstpersonandaskthemtobuysomething from person
number
2
for
that
money.
Supposetheybuyapen.Sonowpersonnumber1hasapenandpers
onnumber 2 has the $5. Person 2 now uses the same $5 bill
tobuy, say, a clipboard from person number 3. Then number
3usesthesame$5billtobuyanotebookfromnumber
4. Ihopeyougetthepictureandthepoint.Theexactsame$5was
used tobringvaluetoeachpersonthat had it. That same
$5wentthroughfivedifferentpeopleandcreated$5worthofvalue
foreachandatotalof$25invalueforthegroup.That
$5didnotgetdepletedandasitcircledaround,createdvalueforeve
ryone.
136-SecretsoftheMillionaireMind
The lessons are clear. First, money does not get
depleted;you can use the same money again and again for
years andyears and thousands and thousands of people.
Second, themore money you have, the more you can put into
the
circle,whichmeansotherpeoplethenhavemoremoneytotradefo
rmorevalue.
Thisisexactlytheoppositeofeither/or-basedthinking.Tothe
contrary, when you have money and use it, you and
theperson you spend it with both have the value. Put bluntly,
ifyou’re so worried about other people and making sure they
gettheirshare(asifthereisashare),dowhatittakestogetrichsoyou
canspreadmoremoneyaround.
If I can be an example for anything, it would be that
youcan be a kind, loving, caring, generous, and spiritual person
andbe really frickin’ rich. I strongly urge you to dispel the
myththat money is in any way bad or that you will be less
“good”
orless“pure”ifyouarewealthy.Thatbeliefisabsolute“salami”(in
caseyou’retiredofbaloney),andifyoukeepeatingit,youwon’t
just be fat, you’ll be fat and broke. Hey, what do
youknow,anotherexampleofboth!
Myfriends,beingkind,generous,andlovinghasnothingtodo
with what is or isn’t in your wallet. Those attributes
comefrom what is in your heart. Being pure and spiritual
havenothingtodowithwhatisorisn’tinyourbankaccount;thosea
ttributes come from what’s in your soul. To think
moneymakes you good or bad, one way or another, is
either/orthinking and just plain “programmed garbage” that
is notsupportivetoyourhappinessandsuccess.
It’s also not supportive to those around you, especially
tochildren. If you’re that adamant about being a good
person,thenbe“good”enoughnottoinfectthenextgeneration
TheWealthFiles.137
with the disempowering beliefs you may inadvertently
haveadopted.
Ifyoureallywanttolivealifewithoutlimits,whateverthesituati
on,letgoofeither/orthinkingandmaintaintheintentionto
have“both.”
DECLARATION:Placeyourhandonyourheartandsay...
“Ialwaysthink‘both.’”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Practicethinkingandcreatingwaysofhaving“both.”Whene
veralternativesarepresentedtoyou,askyourself,“HowcanI
haveboth?”
2. Becomeawarethatmoneyincirculationaddstoeveryon
e’slife.Eachtimeyouspendmoney,saytoyourself,“Thi
smoneywillgothroughhundredsofpeopleandcreatev
alueforallofthem.”
3. Thinkofyourselfasarolemodelforothers—
showingthatyou canbe kind,generous,loving,and rich!
WealthFile#13
Richpeoplefocusontheirnetworth.
Poorpeoplefocusontheirworkingincome.
Whenitcomestomoney,peopleinour
societytypicallyask,“Howmuchdoyoumake?”Seldomdoyou
heartheques-
138-SecretsoftheMillionaireMind
tion “What is your net worth?” Few people talk this way, exceptofcourseatthecountryclub.
In country clubs, the financial discussion almost
alwayscenters around net worth: “Jim just sold his stock
options; he’sworth over three million. Paul’s company just went
public; he’sworth eight million. Sue just sold her business;
she’s nowworth twelve million.” At the country club, you’re
not
going
tohear,“Hey,didyouhearthatJoegotaraise?Yeah,andatwoperce
nt cost-of-living allowance to boot?” If you did hear
that,you’dknowyou’relisteningtoaguestfortheday.
WEALTHPRINCIPLE:
The true measure of wealth is net
worth,notworking income.
The true measure of wealth is net worth, not working income. Always has been, always will be. Net worth is the financial value of everything you own. To determine your
networth, add up the value of everything you own, including
yourcash and investments such as stocks, bonds, real estate,
thecurrent value of your business if you own one, the value
ofyourresidenceifyouownit,andthensubtracteverythingyouow
e. Net worth is the ultimate measure of wealth because,
ifnecessary, what you own can eventually be liquidated
intocash.
Richpeopleunderstandthehugedistinctionbetweenworkingi
ncomeandnetworth.Workingincomeisimportant,but it is only
one of the four factors that determine your
networth.Thefournetworthfactorsare:
TheWealthFiles-139
1. Income
2. Savings
3. Investments
4. Simplification
Richpeopleunderstandthatbuildingahighnetworthisanequat
ion that contains all four elements. Because all of
thesefactorsareessential,let’sexamineeachone.
Income comes in two forms: working income and
passiveincome. Working income is the money earned from
activework. This includes a paycheck from a day-to-day job,
or foran entrepreneur, the profits or income taken from a
business.Working income requires that you are investing your
own
timeandlabortoearnmoney.Workingincomeisimportantbecaus
e,withoutit,itisalmostimpossibletoaddresstheotherthreenetwo
rth factors.
Working income is how we fill up our financial “funnel,”
soto speak. All things being equal, the more working income
youearn, the more you can save and invest. Although
workingincome is critical, again it is only valuable as a part of
the entirenetworthequation.
Unfortunately, poor and many middle-class people
focusexclusively on working income, out of the four factors.
Con-sequently,theyendupwithalowornonetworth.
Passiveincomeismoneyearnedwithoutyouactivelyworking.
We will discuss passive income in greater detail alittle later,
but for now, consider it another stream of incomefilling up
the
funnel,
which
can
then
be
used
for
spending,saving,andinvesting.
Savings isalso imperative. Youcan earnwads ofmoney.
140-SecretsoftheMillionaireMind
But if you don’t keep any of it, you will never create
wealth.Many people have a financial blueprint that is wired
forspending.Whatevermoneytheyhave,theyspend.Theychoos
eimmediategratificationoverlong-termbalance.Spenders have
three mottoes. Their first motto is “It’s onlymoney.”
Therefore, money is something they don’t have
muchof.Theirsecondmottois“Whatgoesaround,comesaround.
”At least they hope so, because their third motto is “Sorry,
Ican’t right now. I’m broke.” Without creating income to
fillthe funnel and savings to keep it there, it is impossible
toaddressthenextnetworthfactor.
Once you’ve begun saving a decent portion of your
income,then you can move to the next stage and make your
moneygrowthroughinvesting.Generally,thebetteryouareatinv
esting, the faster your money will grow and generate
agreater net worth. Rich people take the time and energy
tolearnaboutinvestingandinvestments.Theypridethemselveso
nbeingexcellentinvestorsoratleasthiringexcellentinvestors to
invest for them. Poor people think investing isonly for rich
people, so they never learn about it and
staybroke.Again,everypartoftheequationisimportant.
Our fourth net worth factor may well be the “dark
horse”of the bunch, because few people recognize its
importance increating wealth. This is the factor of
“simplification.” It goeshand in hand with saving money,
whereby
you
consciouslycreatealifestyleinwhichyouneedlessmoneytoliveo
n.Bydecreasing your cost of living, you increase your
savings andtheamountoffundsavailableforinvesting.
Toillustratethepowerofsimplification,here’sthestoryofoneo
fourMillionaireMindparticipants.WhenSuewasonlytwentythree,shemadeawisechoice:shepurchasedahome.Shepaidjustu
nder$300,000atthetime.Sevenyears
TheWealthFiles-141
later,inasizzlinghotmarket,Suesoldherhomeforover
$600,000, meaning she profited over $300,000. She
consideredbuying a new home, but after attending the
Millionaire MindIntensive Seminar, she recognized that if
she
invested
hermoneyinasecuresecondmortgageat10percentinterestandsi
mplified her lifestyle, she could actually be quite
comfortableliving on the earnings from her investments and
not have towork ever again. Instead of purchasing a new
home, shemoved in with her sister. Now, at thirty years of
age,
Sue
isfinanciallyfree.Shewonherindependencenotthroughearning
a ton of money, but by consciously scaling back herpersonal
overhead. Yes, she still works—because she enjoysit—
butshedoesn’thaveto.Infact,sheonlyworkssixmonthsof
the
year. The rest of the time she spends in Fiji, firstbecause she
loves it, and second, she says, her money goeseven further
there. Because she lives with the locals rather
thanthetourists,shedoesn’tspendalot.Howmanypeopledoyouk
nowwhowouldlovetospendsixmonthsofeachyearlivingonatro
picalisland,neverhavingtoworkagain,attheripeoldage
of
thirty? How about forty? Fifty? Sixty? Ever? It’s allbecause
Sue
created
a
simple
lifestyle
and,
consequently,doesn’tneedafortunetoliveon.
So,whatwillittakeforyoutobehappyfinancially?Ifyouneedt
oliveinamansion,havethreevacationhomes,owntencars,takean
nualtripsaroundtheworld,eatcaviar,anddrinkthefinestchampa
gnetoenjoyyourlife,that’sfine,butrecognize you’ve set your bar
pretty
darn
high,
and
it
may
takeyoualong,longtimetogettoapointwhereyou’rehappy.
On the other hand, if you don’t need all the “toys” to
behappy,you’llprobablyreach yourfinancial goala lotsooner.
Again,buildingyournetworthisafour-partequation.As
142-SecretsoftheMillionaireMind
an analogy, imagine driving a bus with four wheels.
Whatwouldtheridebelikeifyouweredrivingononewheelonly?P
robably slow, bumpy, full of struggle, sparks, and going
incircles.Doesthatsoundfamiliar?Richpeopleplaythemoneyga
meonallfourwheels.That’swhytheirrideisfast,smooth,direct,a
ndrelativelyeasy.
Bytheway,Iusetheanalogyofabusbecauseonceyouaresucce
ssful, your goal might be to bring others along on
theridewithyou.
Poor and most middle-class people play the money game
ononewheelonly.Theybelievethattheonlywaytogetrichistoear
n a lot of money. They believe that only because
they’venever been there. They don’t understand Parkinson’s
Law,which states, “Expenses will always rise in direct
proportion toincome.”
Here’s what’s normal in our society. You have a car,
youmakemoremoney,andyougetabettercar.Youhaveahouse,y
oumakemoremoney,andyougetabiggerhouse.Youhaveclothes
, you make more money, and you get nicer clothes.
Youhaveholidays,youmakemoremoney,andyouspendmoreon
holidays.Ofcoursethereareafewexceptionstothisrule...very
few! In general, as income goes up, expenses almostinvariably
go up too. That’s why income alone will nevercreatewealth.
This book is called Secrets of the Millionaire Mind.
Doesmillionaire refer to income or net worth? Net worth.
Therefore,ifyourintentionistobeamillionaireormore,youmustf
ocuson building your net worth, which, as we’ve discussed, is
basedonmuchmorethanjustyourincome.
Makeitapolicytoknowyournetworthtothepenny.
Here’s anexercisethat can changeyourfinancial lifeforever.
Takeablanksheetofpaperandtitleit“NetWorth.”
TheWealthFiles-143
Thencreateasimplechartthatbeginswithzeroandendswithwhat
ever your net worth objective is. Note your current networth
as it is today. Then every ninety days, enter your newnet
worth. That’s it. If you do this, you will find yourselfgetting
richer and richer. Why? Because you will be
“tracking”yournetworth.
Remember: what you focus on expands. As I often say
inour training, “Where attention goes, energy flows and
resultsshow.”
WEALTHPRINCIPLE:
“Where attention goes, energy
flowsandresults show.”
Bytrackingyourworth,youarefocusingonit,andbecausewhat
you focus on expands, your net worth will expand. Bythe
way, this law goes for every other part of your life:
whatyoutrackincreases.
To that end, I encourage you to find and work with a
goodfinancialplanner.Theseprofessionalscanhelpyoutrackan
dbuild your net worth. They will assist you in organizing
yourfinances and introduce you to a variety of vehicles for
savingandgrowingyourmoney.
The best way to find a good planner is to seek a
referralfromafriendorassociatewhoishappywiththepersonheor
she uses. I’m not saying to take everything your planner says
asgospel.ButIamsuggestingthatyoufindaqualifiedprofessional
with the skills to help you plan and track yourfinances. A
good
planner
can
provide
you
with
the
tools,software,knowledge,andrecommendationstohelpyoubui
ldthekindofinvestinghabitsthatwillproducewealth.
144-SecretsoftheMillionaireMind
Generally,Irecommendfindingaplannerwhoworkswithanarray of
financial products rather than just insurance or
justmutualfunds.Inthatway,youcanfindoutaboutavarietyofoption
s,thendecidewhat’srightforyou.
DECLARATION:Placeyourhandonyourheartandsay...
“Ifocusonbuildingmynetworth!”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Focus on all four net worth factors: increasing your
income, increasingyour
savings,increasingyourinvestmentreturns,anddecreasing
yourcost oflivingby simplifyingyourlifestyle.
2. Createanetworthstatement.Todothis,addthecurrentdolla
r value of everything you own (your assets) andsubtract
the total value of everything you owe
(yourliabilities).Committotrackingand revising
thisstatementeachquarter.Again,byvirtueofthelawoffocus,
whatyoutrackwillincrease.
3. Hireafinancialplanner
whoishighlysuccessfulandworkswithawellknown,reputablecompany.Again,thebestwaytofindagreatf
inancialplanneristoaskfriendsandassociatesfortheirreferr
als.
Special Bonus: Go to www.millionairemindbook.com
andclickon“FREEBOOKBONUSES”toreceiveyourfree“net
worthtrackingsheet.”
TheWealthFiles-145
WealthFile#14
Richpeoplemanagetheirmoneywell.
Poorpeoplemismanagetheirmoneywell.
Thomas Stanley, in his best-selling book, The Millionaire
NextDoor, surveyed millionaires from across North America
andreported on who they are and how they attained their
wealth.The results can be summarized in one short sentence:
“Richpeoplearegoodatmanagingtheirmoney.”Richpeopleman
agetheirmoneywell.Poorpeoplemismanagetheirmoney.
Wealthypeoplearenotanysmarterthanpoorpeople;theyjust
have different and more supportive money habits. As
wediscussed in Part I of this book, these habits are
primarilybasedonourpastconditioning.Sofirst,ifyou’renotman
agingyourmoneyproperly,youwereprobablyprogrammednottomanagemoney.Second,there’sabetterthangood
chanceyoudon’tknowhowtomanageyourmoneyinaway that’s
easy and effective. I don’t know about you, butwhere I went
to school, Money Management 101 wasn’toffered. Instead
we learned about the War of 1812, which
ofcourseissomethingIuseeverysingleday.
It may not be the most glamorous of topics, but it
comesdown to this: the single biggest difference between
financialsuccess and financial failure is how well you
manage
yourmoney.It’ssimple:tomastermoney,youmustmanagemone
y.
Poor people either mismanage their money or they
avoidthe subject of money altogether. Many people don’t
like tomanagetheirmoneybecause,first,theysayitrestrictstheir
146-SecretsoftheMillionaireMind
freedom,andsecond,theysaytheydon’thaveenoughmoneytom
anage.
As for the first excuse, managing money does not
restrictyourfreedom—
tothecontrary,itpromotesit.Managingyourmoney allows you
to
eventually
create
financial
freedom
sothatyouneverhavetoworkagain.Tome,that’srealfreedom.
As for those who use the “I don’t have enough money
tomanage” rationale, they’re looking through the wrong end
ofthetelescope.Ratherthansay“whenIhaveplentyofmoney,I’ll
begintomanageit,”therealityis“whenIbegintomanageit,I’llhav
eplentyofmoney.”
Saying “I’ll start managing my money as soon as I
getcaught up” is like an overweight person saying “I’ll start
ex-ercising and dieting as soon as I lose twenty pounds.”
It’sputtingthecartbeforethehorse,whichleadstogoingnowhere..
.or
even
backward!
First
you
start
properly
handlingthemoneyyouhave,thenyou’llhavemoremoneytohandle.
IntheMillionaireMindIntensiveSeminar,Itellastorythathits
mostpeoplerightbetweentheeyes.Imagineyou’rewalking along
the street with a five-year-old. You come acrossan ice cream
store and go inside. You get the child a singlescoop of ice
cream on a cone because they don’t have anycups. As the
two of you walk outside, you notice the conewobbling in the
child’s
tiny
hands
and,
all
of
a
sudden,
plop.Theicecreamfallsoutoftheconeontothepavement.
The child begins to cry. So back you go into the store,
andjust as you’re about to order for the second time, the
childnotices a colorful sign with a picture of the “triple
scooper”cone.Thechildpointstothepictureandexcitedlyscream
s,“Iwantthatone!”
TheWealthFiles-147
Nowhere’sthequestion.Beingthekind,loving,andgenerousp
ersonthatyouare,wouldyougoaheadandgetthischild the triple
scooper?
Your
initial
response
might
be
“sure.”However,whenconsideringthequestionalittlemoredeep
ly,mostofourseminarparticipantsrespond,“No.”Becausewhy
wouldyouwanttosetthechilduptofail?Thechildcouldn’teven
handle a single scoop, how could the child
possiblyhandleatriplescoop?
Thesameholdstruewhenitcomestotheuniverseandyou.We
live in a kind and loving universe, and the rule is
“Untilyoushowyoucanhandlewhatyou’vegot,youwon’tgetany
more!”
WEALTHPRINCIPLE:
Untilyoushowyoucanhandlewhatyou’vegot,youw
on’t get anymore!
Youmustacquirethehabitsandskillsofmanagingasmallamou
ntofmoneybeforeyoucanhavealargeamount.Remember, we
are
creatures
of
habit,
and
therefore
the
habitofmanagingyourmoneyismoreimportantthantheamount.
WEALTHPRINCIPLE:
The habit of managing your
moneyismoreimportantthantheamo
unt.
Sohowexactlydoyoumanageyourmoney?AttheMillionaire
Mind Intensive Seminar, we teach what manybelieve
tobeanamazingly simple and effectivemoney man-
148-SecretsoftheMillionaireMind
agement method. It’s beyond the scope of this book to
goover every detail; however, let me give you a couple of
thebasicssoyoucangetstarted.
Open a separate bank account designated your
FinancialFreedomAccount.Put10percentofeverydollaryourec
eive(after taxes) into this fund. This money is only to be
used forinvestments and buying or creating passive-income
streams.The job of this account is to build a golden goose
that laysgolden eggs called passive income. And when do
you get tospend this money? Never! It is never spent—only
invested.Eventually,whenyouretire,yougettospendtheincomef
romthe fund (the eggs), but never the principal itself. In this
way, italwayskeepsgrowingandyoucannevergobroke.
One of our students, named Emma, recently told me
herstory. Two years ago Emma was about to claim
bankruptcy.Shedidn’twantto;however,shefeltshehadnoothero
ption.She was in debt beyond what she could handle. Then
sheattended the Millionaire Mind Intensive Seminar and
learnedaboutthemoneymanagementsystem.Emmasaid,“Thisi
sit.ThisishowI’mgoingtogetoutofthismess!”
Emma, like all the participants, was told to divide
hermoneyintoseveraldifferentaccounts.“That’sjustgreat,”shet
houghttoherself.“Idon’thaveanymoneytodivideup!”Butsince
she wanted to try, Emma decided to divide up $1
amonthintotheaccounts.Yes,that’sright,only$1amonth.
Based on the allocation system we teach, using that
onedollar, she put ten cents into her FFA (Financial
FreedomAccount).Thefirstthingshethoughttoherselfwas“Ho
wtheheck am I supposed to become financially free on ten
cents
amonth?”
So
shecommittedtodoublingthatdollareverymonth.Thesecondmo
nthshedividedup$2,the
TheWealthFiles-149
third month $4, then $8, $16, $32, $64, and so on until
thetwelfth month was $2,048 that she was dividing up
eachmonth.
Then, two years later, she began to collect some
amazingfruits from her efforts. She was able to put $10,000
directlyinto her Financial Freedom Account! She had
developed thehabit of managing her money so well that, when
a bonus checkof $10,000 came her way, she didn’t need the
money foranythingelse!
Emma is now out of debt and on her way to becoming financially free. All because she took action with what
she’dlearned,evenifitwasonlywith$1amonth.
Itdoesn’tmatterifyouhaveafortunerightnoworvirtuallynothi
ng. What does matter is that you immediately begin
tomanage what you’ve got, and you’ll be in shock at how
soonyougetmore.
I had another student at the Millionaire Mind
IntensiveSeminar say, “How can I manage my money when
I’m bor-rowing money to live on as it is?” The answer is,
borrow
anextradollarandmanagethatdollar.Evenifyouareborrowingor
finding just a few dollars a month, you must manage
thatmoney, because more than a “physical” world principle
is atplay here: this is also a spiritual principle. Money miracles
willoccur once you demonstrate to the universe that you
canhandleyourfinancesproperly.
In addition to opening a Financial Freedom bank
account,create a Financial Freedom jar in your home and
depositmoney into it every day. It could be $10, $5, $1, a single
penny,orallyourloosechange.Theamountdoesn’tmatter;thehab
itdoes. The secret again is to place daily “attention” on
yourobjective of becoming financially free. Like attracts
like,moneyattractsmoremoney.Letthissimplejar
150-SecretsoftheMillionaireMind
become your “money magnet,” attracting more and
moremoneyandopportunitiesforfinancialfreedomintoyourlife.
Now, I’m sure this isn’t the first time you’ve heard the advicetosave10percentofyourmoneyforlongterminvesting,butitmaybethefirsttimeyou’veheardthatyoumu
sthaveanequal and opposite account specifically designed for
you to“blow”moneyandplay.
One of the biggest secrets to managing money is
balance.On one side, you want to save as much money as
possible soyou can invest it and make more money. On the
other side,you need to put another 10 percent of your income
into a“play” account. Why? Because we are holistic in
nature.
Youcannotaffectonepartofyourlifewithoutaffectingtheothers.
Some people save, save, save, and while their logical
andresponsibleselfisfulfilled,their“innerspirit”isnot.Eventually this “fun-seeking” spirit side will say, “I’ve had enough.
Iwantsomeattentiontoo,”andsabotagetheirresults.
Ontheotherhand,ifyouspend,spend,spend,notonlywillyou
never become rich, but the responsible part of you
willeventuallycreatethesituationwhereyoudon’tevenenjoythet
hings you spend your money on, and you’ll end up
feelingguilty.Theguiltwillthencauseyoutounconsciouslyovers
pend as a way of expressing your emotions. Althoughyou
might feel better temporarily, soon it’s back to guilt
andshame.It’saviciouscycle,andtheonlywaytopreventitistolea
rnhowtomanageyourmoneyinawaythatworks.
Your play account is primarily used to nurture yourself—
todo the things you wouldn’t normally do. It’s for the extraspecial things like going to a restaurant and ordering a
bottleoftheirfinestwineorchampagne.Orrentingaboat
TheWealthFiles-151
fortheday.Orstayinginahighclasshotelforanextravagantnightoffunandfrolic.
Theplayaccountruleisthatitmustbespenteverymonth.That’s
right! Each month you have to blow all the money inthat
account in a way that makes you feel rich. For
example,imagine walking into a massage center, dumping all
the moneyfrom your account on the counter, pointing to the
massagetherapists, and saying, “I want both of you on me. With
the hotrocksandthefrickin’cucumbers.Afterthat,bringmelunch!”
LikeIsaid,extravagant.Theonlywaymostofuswillevercontin
ue to follow our saving plan is by offsetting it with
aplayingplanthatwillrewardusforourefforts.Yourplayaccountisalsodesignedtostrengthenyour“receiving”muscle.It
also makes managing money a heck of a lot more fun.
Inaddition to the play account and the financial freedom account, I advise that you create four more accounts. The
otheraccountsinclude:
10 percent into your Long-Term Savings for
SpendingAccount
10
percent
into
your
Education
Account50 percent into your Necessities
Account10percentintoyourGiveAccount
Again,poorpeoplethinkit’sallaboutincome;theybelieveyou
havetoearnafortunetogetrich.Again,that’smalecowmanure!Thefactisthatifyoumanageyourmoneyfollowingt
his program, you can become financially free on a
relativelysmallincome.Ifyoumismanageyourmoney,youcan’t
becomefinanciallyfree,evenonahugein
152-SecretsoftheMillionaireMind
come. That is why so many high-income professionals—
doctors, lawyers, athletes, and even accountants—are
basicallybroke, because it’s not just about what comes in, it’s
aboutwhatyoudowithwhatcomesin.
One of our attendees, John, told me that when he
firstheardaboutthemoneymanagementsystem,hethought,“Ho
w boring! Why would anyone spend their precious
timedoing that?” Then later during the seminar he finally
realized ifhe wanted to be financially free someday,
especially soonerthan later, he too would have to manage his
money, just liketherich.
Johnhadtolearnthisnewhabitbecauseitdefinitelywasn’tnatu
ral for him. He said it reminded him of when he wastraining
for triathlons. He was really good at swimming
andcycling;however,hehatedtherunning.Ithurthisfeet,knees,a
nd back. He was stiff after every training session. He
wasalways out of breath and his lungs burned every time,
even ifhe wasn’t going fast! He used to dread running.
However,
heknewthatifhewastobecomeatoptriathlete,hehadtolearntorun
andacceptitaspartofwhatittooktosucceed.WhereasinthepastJo
hnavoidedrunning,henowdecidedtoruneveryday.Afterafewm
onths,hebeganenjoyingrunningandactuallylookedforwardtoit
eachday.
This is exactly what happened to John in the arena
ofmoney management. He started out hating every minute of
itbut grew to actually like it. Now he looks forward to
gettinghis paycheck and dividing it into the different
accounts!
Healsoenjoyswatchinghowhisnetworthhasgonefromzerotoov
er$300,000andisgrowingdaily.
It comes down to this: either you control money, or it
willcontrolyou.Tocontrolmoney,youmustmanageit.
TheWealthFiles-153
WEALTHPRINCIPLE:
Eitheryou controlmoney,oritwillcontrol you.
I love hearing seminar graduates share how much
moreconfident they feel around money, success, and
themselvesoncetheybeginmanagingtheirmoneyproperly.Theb
estpartis that this confidence transfers into other parts of
their livesand enhances their happiness, their relationships,
and eventheirhealth.
Moneyisabigpartofyourlife,andwhenyoulearnhowtogetyou
rfinancesundercontrol,allareasofyour lifewillsoar.
DECLARATION:Placeyourhandonyourheartandsay...
“Iamanexcellentmoneymanager.”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Open your Financial Freedom bank account. Put
10percentofallyourincome(aftertaxes)intothisaccount.This
moneyisnevertobespent,onlyinvestedtoproducepassivein
comeforyourretirement.
2. CreateaFinancialFreedomjarinyourhomeanddepositmone
y into it every day. It could be $10, $5, $1, a singlepenny,
or all your loose change. Again, this will put
dailyattentiononyourfinancialfreedom,andwhereattentiong
oes,resultsshow.
154-SecretsoftheMillionaireMind
SuccessStoryfrom ChristineKloser
From: Christine
KloserTo:T.HarvEker
To put it simply, after attending T. Harv Eker’s
MillionaireMind Intensive, my relationship with money
completelychanged, and my business grew by 400 percent
within oneyear.
Most importantly, my husband and I finally “got”
howimportant it was to save the first 10 percent of our
incomeevery month, no matter what. Now, I’m happy to say,
we’vesaved more in the few years after attending Harv’s
programthanwehadintheprevious fifteenyears!
Plus, the techniques we learned for solving money
issuesin our relationship has kept us “money argument” free
eversince.
Harv’smoneymanagementsystemiseasytofollowand
works!
Toyoursuccess.
3. Open a play account or have a play jar in your
homewhereyoudeposit10percentofallyourincome.Along
with your play account and your financial
freedomaccount, open four more accounts and deposit
thefollowingpercentagesintoeach:
10percentintoyourLongTermSavingsforSpendingAccount
10percentintoyourEducationAccount
TheWealthFiles-155
50percentintoyourNecessitiesAccount10per
centintoyourGiveAccount
4. Whatevermoneyyouhave,beginmanagingitnow.Donot
wait another day. Even if you only have a
dollar.Managethatdollar.Taketencentsandputitintoyou
rFFAjar,andanothertencentsandputitintoyourplayjar.
This action alone will send a message to
theuniversethatyouarereadyformoremoney.Ofcourseify
oucanmanagemore,managemore.
WealthFile#15
Richpeoplehavetheirmoneyworkhardforthem.
Poorpeopleworkhardfortheirmoney.
If you’re like most people, you grew up being
programmedthat you “have to work hard for money.”
Chances
are
good,however,thatyoudidn’tgrowupwiththeconditioningthati
twas just as important to make your money “work hard
foryou.”
No question, working hard is important, but working
hardalonewillnevermakeyourich.Howdoweknowthat?Takeal
ook in the real world. There are millions—no, make
thatbillions—of people who slave away, working their tails off
alldayandevenallnightlong.Aretheyallrich?No!Aremostofthe
m rich? No! Are a lot of them rich? No! Most of them
arebroke or close to it. On the other hand, whom do you
seeloungingaroundthecountryclubsoftheworld?Whospendsth
eir afternoons playing golf, tennis, or sailing? Who
spendstheir days shopping and their weeks vacationing? I’ll
give youthreeguessesandthefirsttwodon’tcount.
156-SecretsoftheMillionaireMind
Richpeople,that’swho!Solet’sgetthisstraight:theideathatyouh
avetoworkhardtogetrichisbogus!
The old Protestant work ethic states “a dollar’s work for
adollar’s pay.” There’s nothing wrong with that adage
exceptthat they forgot to tell us what to do with that
“dollar’s
pay.”Knowingwhattodowiththatdollariswhereyoumovefrom
hardworktosmartwork.
Rich people can spend their days playing and relaxing because they work smart. They understand and use
leverage.They employ other people to work for them and
their moneytowork forthem.
Yes, in my experience, you do have to work hard for
yourmoney. For rich people, however, this is a temporary
situation.For poor people, it’s permanent. Rich people
understand that“you” have to work hard until your “money”
works hardenough to take your place. They understand that the
more yourmoneyworks,thelessyouwillhavetowork.
Remember,moneyisenergy.Mostpeopleputworkenergyin
and get money energy out. People who achieve
financialfreedom have learned how to substitute their
investment
ofworkenergywithotherformsofenergy.Theseformsincludeot
herpeople’swork,businesssystemsatwork,orinvestmentcapital
at work. Again, first you work hard for money,
thenyouletmoneyworkhardforyou.
Whenitcomestothemoneygame,mostpeopledon’thavea
clue as to what it takes to win. What’s your goal? When
doyouwinthegame?Areyoushootingforthreesquaremealsaday
, $100,000 a year in income, becoming a
millionaire,becoming a multimillionaire? At the Millionaire
Mind IntensiveSeminar, the goal of the money game we
teach is to “neverhavetoworkagain...unlessyouchoose
TheWealthFiles-157
to,”andthatifyouwork,youwork“bychoice,notbyneces-sity.”
In other words, the goal is to become “financially free”
asquicklyaspossible.Mydefinitionoffinancialfreedomissimple: it
is the ability to live the lifestyle you desire without having
toworkorrelyonanyoneelseformoney.
Notice there is a good chance that your desired lifestyle
isgoingtocostmoney.Therefore,tobe“free,”youwillneedtoearn
money without working. We refer to income withoutwork as
passive income. To win the money game, the goal isto earn
enough passive income to pay for your desired
lifestyle.Inshort,youbecomefinanciallyfreewhenyourpassivei
ncomeexceedsyourexpenses.
I have identified two primary sources of passive
income.The first is “money working for you.” This includes
investmentearningsfromfinancialinstrumentssuchasstocks,bonds,T
bills,moneymarkets,mutualfunds,aswellasowningmortgageso
rotherassetsthatappreciateinvalueandcanbeliquidatedforcash.
The second major source of passive income is
“businessworking for you.” This entails generating ongoing
incomefrom businesses where you do not need to be
personallyinvolved for that business to operate and yield an
income.Examples include rental real estate; royalties from
books,music, or software; licensing your ideas; becoming a
fran-chisor; owning storage units; owning vending or other
types
ofcoinoperatedmachines;andnetworkmarketing,tonamejustafew.Ital
soincludessettingupanybusinessunderthesunormoon that is
systematized to work without you. Again, it’s
amatterofenergy.Theideaisthatthebusinessisworkingandprod
ucingvalueforpeople,insteadofyou.
158-SecretsoftheMillionaireMind
Network marketing, for example, is an amazing
concept.First,itdoesn’tusuallyrequireyoutoputupalotofupfrontcapital. Second, once you’ve done the initial work, it
allowsyoutoenjoyongoingresidualincome(anotherformofinco
me without you working), year after year after year.
Trycreatingthatfromaregularnine-to-fivejob!
I can’t overemphasize the importance of creating
passiveincome structures. It’s simple. Without passive income
you cannever be free. But, and it’s a big but, did you know
that mostpeople have a tough time creating passive income?
There arethree reasons. First, conditioning. Most of us were
actuallyprogrammed not to earn passive income. When you
weresomewhere between thirteen and sixteen years old and
youneeded money, what did your parents tell you? Did they
say,“Well, go out there and earn some passive income?”
Doubtful!Mostofusheard,“Gotowork,”“Gogetajob,”orsometh
ingto that effect. We were taught to “work” for money,
makingpassiveincomeabnormalformostofus.
Second, most of us were never taught how to earn
passiveincome.
Inmyschool,PassiveIncome101wasanothersubjectthatwas
never offered. This time I got to take woodworking
andmetalworking(noticebothstillentailed“working”)andmake
the perfect candleholder for my mom. Since we didn’t
learnaboutcreatingpassiveincomestructuresinschool,welearne
ditelsewhere,right?Doubtful.Theendresultisthatmostofusdon’
tknowmuchaboutit,andthereforedon’tdomuchaboutit.
Finally, since we were never exposed to or taught
aboutpassive income and investing, we have never given it
muchattention. We have largely based our career and
businesschoicesongeneratingworkingincome.Ifyouunderstoo
d
TheWealthFiles-159
from an early age that a primary financial goal was to
createpassiveincome,wouldn’tyoureconsidersomeofthosecare
erchoices?
I’m always recommending to folks choosing or
changingtheir business or career to find a direction where
generatingstreams of passive income is natural and relatively
easy. This isespecially important today because so many
people work inservice businesses where they have to be
there
personally
tomakemoney.There’snothingwrongwithbeinginapersonalser
vicebusiness,otherthanthatunlessyougetonyourinvestment
horse
pretty
soon
and
do
exceptionally
well,
you’llbetrappedintoworkingforever.
By choosing business opportunities that immediately
oreventually produce passive income, you’ll have the best
ofbothworlds—
workingincomenowandpassiveincomelater.Refer back a few
paragraphs
to
review
some
of
the
passivebusinessincomeoptionswediscussed.
Unfortunately,almosteveryonehasamoneyblueprintthatis
set for earning working income and against earning
passiveincome. This attitude will be radically changed after you
attendtheMillionaireMindIntensiveSeminar,whereusingexper
iential techniques, we change your money blueprint sothat
earning a massive passive income is normal and
naturalforyou.
Rich people think long-term. They balance their
spendingon enjoyment today with investing for freedom
tomorrow.Poor people think short-term. They run their lives
based
onimmediategratification.Poorpeopleusetheexcuse“HowcanI
think about tomorrow when I can barely survive today?”
Theproblem is that, eventually, tomorrow will become
today; ifyou haven’t taken care of today’s problem, you’ll be
saying thesamethingagaintomorrowtoo.
160-SecretsoftheMillionaireMind
To increase your wealth, you either have to earn more
orlive on less. I don’t see anyone putting a gun to your
headtelling you the house you have to live in, the kind of car
youhave to drive, the clothes you have to wear, or the food
youhavetoeat.Youhavethepowertomakechoices.It’samatterof
priorities. Poor people choose now, rich people
choosebalance.Ithinkaboutmyin-laws.
For twenty-five years my wife’s parents owned a
varietystore,alow-endversionofa7Elevenandalotsmaller.Mostof their income came from the
sale of cigarettes, candy bars,ice cream bars, gum, and
sodas. They didn’t even sell lotterytickets in those days. The
average
sale
was
less
than
a
dollar.
Inshort,theywereina“penny”business.Still,theysavedmostof
those pennies. The didn’t eat out; they didn’t buy
fancyclothes; they didn’t drive the latest car. They lived
comfortablybutmodestlyandeventuallypaidofftheirmortgagea
ndevenbought half of the plaza the store was located within.
At theage of fifty-nine, by saving and investing “pen-nies,”my
father-in-lawwasabletoretire.
Ihatetobetheonetohavetotellyouthis,butforthemostpart,
buying things for immediate gratification is nothing
morethanafutileattempttomakeupforourdissatisfactioninlife.
Moreoftenthannot,“spending”moneyyoudon’thavecomesfro
m “expending” emotions you do have. This syndrome
iscommonly known as retail therapy. Overspending and
theneed for immediate gratification have little to do with
theactual item you’re buying, and everything to do with lack
offulfillment in your life. Of course, if overspending isn’t
comingfrom your immediate emotions, it arises from your
moneyblueprint.
According to Natalie, another of our students, her
parentsweretheultimatecheapskates!Theyusedcouponsforeve
ry
TheWealthFiles-161
thing. Her mother had a file box full of coupons all sorted
bycategory. Her father had a fifteen-year-old car that was
rusting,andNataliewasembarrassedtobeseeninit,especiallywh
enher mom picked her up from school. Anytime she got in
thecar,Natalieprayedthatnoonewaslooking.Onvacation,herfa
mily never stayed in a motel or hotel; they didn’t even
fly,but drove eleven days across the country and camped
thewholeway,everyyear!
Everything was “too expensive.” The way they acted, Nataliethoughtherparentswerebroke.Butherdadearnedwhatshe
believed was a lot of money at the time, $75,000 a
year.Shewasconfused.
Because she hated their stingy habits, she became the opposite.Shewantedeverythingtobehighclassandexpensive.Whenshemovedoutonherownandstartedm
akingherownmoney,shedidn’tevenrealizeit,butinaflash,sheha
dspentallthemoneyshehad,andthensome!
Natalie had credit cards, membership cards, you name
it.Sherackedupallofthemtothepointwhereshecouldn’tevenpay
theminimumsanymore!That’swhenshetooktheMillionaireMi
ndIntensiveSeminar,andshesaysitsavedherlife.
AttheMillionaireMindIntensive,duringthesectionwherewe
identify your “money personality,” Natalie’s whole
worldchanged. She recognized why she had been spending
all hermoney. It was a form of resentment toward her
parents forbeing so cheap. It was also to prove to herself and
the worldthat she wasn’t cheap. Since the course, with her
blueprintchanged,Nataliesaysshenolongerhastheurgetospend
hermoneyin“stupid”ways.
Natalie related she was recently walking through a mall
andnoticedthisgorgeouslightbrownsuedeandfurcoat
162-SecretsoftheMillionaireMind
hanging in the window display of one of her favorite
stores.Immediately her mind said, “That coat would look
great
onyou,especiallywithyourblondhair.Youneedthat;youdon’tha
veareallynice,dressywintercoat.”Soshewalkedintothestore,an
dasshewastryingiton,shenoticedthepricetag,
$400. She had never spent that much on a coat before.
Hermind said, “So what, the coat looks gorgeous on you!
Get it.You’llmakethemoneyuplater.”
This is where she says she discovered how profound
theMillionaire Mind Intensive is. Almost as soon as her
mindsuggestedthatshebuythecoat,hernewandmoresupportive
mind “file” came up and said, “You’d be much better
offputting that four hundred dollars toward your FFA
account!What do you need this coat for? You already have a
wintercoatthat’sokayfornow.”
Before she knew it, she was putting the coat on hold
untilthe next day instead of buying it right there in the
moment asusual.Sheneverwentbacktogetthecoat.
Natalie realized that her mental “material gratification”
fileshad been replaced with “financial freedom” files. She
wasn’tprogrammed to spend anymore. She now knows it’s
fine totake the best of what her parents modeled for her and
savemoney, and at the same time, to treat herself to nice
thingswithherplayaccount.
Nataliethensentherparentstothecoursesotheycouldbemore
balanced as well. She’s thrilled to report, they now stay
inmotels(nothotelsyet),theyboughtanewcar,andinlearningho
w to make their money work for them, they’ve retired
asmillionaires.
Natalie now understands that she doesn’t have to be
as“cheap”asherparentsweretobecomeamillionaire.Butshe
TheWealthFiles-163
also knows that if she spends her money unconsciously
asbefore, she’ll never be financially free. Natalie said, “It
feelsamazingtohavemymoneyandmymindundercontrol.”
Again,theideaistohaveyourmoneyworkashardforyouas you
do for it, and that means you have to save and investrather
than make it your mission in life to spend it all. It’salmost
funny: rich people have a lot of money and spend
alittle,whilepoorpeoplehavealittlemoneyandspendalot.
Long-term versus short-term: poor people work to
earnmoney to live today; rich people work to earn money to
payfortheirinvestments,whichwillpayfortheirfuture.
Rich people buy assets, things that will likely go up in
value.Poorpeoplebuyexpenses,thingsthatwilldefinitelygodow
ninvalue.Rich peoplecollectland.Poorpeoplecollect bills.
I’lltellyouthesamethingItellmykids:“Buyrealestate.”It’s
best if you can purchase property that can produce
positivecashflow,butasfarasI’mconcerned,anyrealestateisbett
erthannorealestate.Sure,realestatehasitsupsanddowns,butin
the end, be it five, ten, twenty, or thirty years from now, youcan
bet it will be worth a heck of a lot more than it is
today,anditcouldbeallyouneedtogetrich.
Buy what you can afford now. If you need more capital
togetinvolved,youcanpartnerwithpeopleyoutrustandknowwel
l. The only way to get in trouble with real estate is
tooverextend yourself or have to sell in a down market. If
youheedmyearlieradviceandmanageyourmoneyproperly,theli
kelihoodofthishappeningwillbeextremelyslimandlikelynone.
As the saying goes, “Don’t wait to buy real estate,
buyrealestateandwait.”
164-SecretsoftheMillionaireMind
Since I gave you a previous example involving my inlaws,it’sonlyfairIgiveyouanexampleinvolvingmyownparents.
My parents weren’t poor, but they barely made the
middleclass. My dad worked extremely hard and my mom
wasn’tphysicallywell,andsoshestayedhomewithuskids.Myda
dwas a carpenter and recognized that all the builders
whoemployed him were developing land they had purchased
yearsand years ago. He also recognized they were all fairly rich.
Myparents too saved their pennies and eventually had
enough
tobuyathreeacreparceloflandabouttwentymilesoutsidethecity in which
they lived. It cost them $60,000. Ten years later, adeveloper
decided he wanted to build a strip mall on thatproperty. My
parents
sold
for
$600,000.
Less
their
originalinvestment,that’sanaverageearningsof$54,000ayearfr
omtheirinvestment,whilemydadearnedonlyabout$15,000toah
ighof$20,000ayearfromhisjob.Ofcoursetheyareretirednow
and live quite comfortably, but I guarantee that withoutthe
purchase and sale of this property, they would have
beenliving by the skin of their teeth. Thank goodness my
fatherrecognized the power of investment and especially the
value ofinvestinginrealestate.NowyouknowwhyIcollectland.
While poor people see a dollar as a dollar to trade
forsomethingtheywantrightnow,richpeopleseeeverydollarasa
“seed” that can be planted to earn a hundred more
dollars,which can then be replanted to earn a thousand more
dollars.Think about it. Every dollar you spend today may
actually costyou a hundred dollars tomorrow. Personally, I
consider
eachofmydollarstobeinvestment“soldiers,”andtheirmissionis
“freedom.” Needless to say, I’m careful with my
“freedomfighters”anddon’tgetridofthemquicklyoreasily.
TheWealthFiles-165
WEALTHPRINCIPLE:
Rich people see every dollar as a
“seed”that can be planted to earn a
hundredmore dollars, which can then be
replantedtoearn a thousandmore dollars.
The trick is to get educated. Learn about the
investmentworld.Becomefamiliarwithavarietyofdifferentinvest
mentvehicles and financial instruments, such as real
estate,mortgages,stocks,funds,bonds,currencyexchange,thewhol
egamut.Thenchooseoneprimaryareainwhichtobecomeanexpe
rt. Begin investing in that area and then diversify
intomore,later.
Itcomesdowntothis:poorpeopleworkhardandspendalltheir
money, which results in their having to work hardforever.
Rich people work hard, save, and then invest
theirmoneysotheyneverhavetoworkhardagain.
DECLARATION:Placeyourhandonyourheartandsay...
“Mymoneyworkshardformeandmakesmemoreand
moremoney.”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Geteducated.Takeinvestmentseminars.Readatleastoneinv
estmentbookamonth.ReadmagazinessuchasMoney,Forbes,
Barron’s,andtheWallStreetJournal.I’mnotsuggestingyoufoll
owtheiradvice,I’msug-
166-SecretsoftheMillionaireMind
gesting
yougetfamiliarwithwhatfinancialoptionsareoutthere.
Thenchooseanarenatobecomeanexpertinandbeginin
vestinginthatarea.
2. Changeyourfocusfrom“active”incometo“passive”incom
e.
Listatleastthreespecificstrategieswithwhichyoucouldcre
ateincomewithoutworking,ineithertheinvestmentorthebu
sinessfield.Beginresearchingandthentakeactiononthese
strategies.
3. Don’twaittobuyreal estate.Buyrealestateandwait.
WealthFile#16
Richpeopleactinspiteoffear.Poorpe
opleletfearstopthem.
Earlier in this book we discussed the Process of
Manifestation.Let’s review the formula: thoughts lead to
feelings, feelingsleadtoactions,actionsleadtoresults.
Millions of people “think” about getting rich, and thousandsandthousandsofpeopledoaffirmations,visualizations,and
meditationsforgettingrich.Imeditatealmosteveryday.Yet I’ve
never sat there meditating or visualizing and had a bagof
money drop on my head. I guess I’m just one of
thoseunfortunate ones who actually has to do something to
be asuccess.
Affirmations, meditations, and visualizations are all wonderfultools,butasfarasIcantell,noneofthemonitsownisgoing to
bring you real money in the real world. In the realworld, you
have to take real “action” to succeed. Why is actionsocritical?
Let’sgobacktoourProcessofManifestation.Lookat
TheWealthFiles-167
thoughts and feelings. Are they part of the inner world
orouter world? Inner world. Now look at results. Are
theypart of the inner or outer world? Outer world. That
meansactionisthe“bridge”betweentheinnerworldandtheout
erworld.
WEALTHPRINCIPLE:
Action is the “bridge” between the inner
worldandthe outer world.
Soifactionissoimportant,whatpreventsusfromtakingtheacti
onsweknowweneedtotake?
Fear!
Fear, doubt, and worry are among the greatest
obstacles,not only to success, but to happiness as well.
Therefore,
one
ofthebiggestdifferencesbetweenrichpeopleandpoorpeopleisth
atrichpeoplearewillingtoactinspiteoffear.Poorpeopleletfearst
op them.
Susan Jeffers even wrote a fantastic book about this, entitled Feel the Fear and Do It Anyway. The biggest mistake
mostpeople make is waiting for the feeling of fear to subside
ordisappearbeforetheyarewillingtoact.Thesepeopleusuallywa
itforever.
OneofourmostpopularprogramsistheEnlightenedWarrior
Training Camp. In that training, we teach that a truewarrior
can “tame the cobra of fear.” It doesn’t say kill thecobra. It
doesn’t say get rid of the cobra, and it
certainlydoesn’tsayrunawayfromthecobra.Itsays“tame”thecobra
.
WEALTHPRINCIPLE:
Atruewarrior can“tamethe cobraof fear.”
168-SecretsoftheMillionaireMind
It’simperativetorealizethatitisnotnecessarytotrytogetrid of
fear in order to succeed. Rich and successful peoplehave
fear, rich and successful people have doubts, rich
andsuccessful people have worries. They just don’t let
thesefeelings stop them. Unsuccessful people have fears,
doubts,andworries,thenletthosefeelingsstopthem.
WEALTHPRINCIPLE:
It is not necessary to try to get rid of
fearinorder to succeed.
Because we are creatures of habit, we need to practice actinginspiteoffear,inspiteofdoubt,inspiteofworry,inspiteofunce
rtainty,inspiteofinconvenience,inspiteofdiscomfort,andevent
opracticeactingwhenwe’renotinthemoodto act.
I remember teaching an evening seminar in Seattle, and
neartheend,IwaslettingpeopleknowabouttheupcomingthreedayMillionaireMindIntensiveSeminarbeingheldinVancouver
.Thisonefellastandsupandsays,“Harv,I’vehadat least a dozen
of my family and friends attend the course,and the results
have
been
absolutely
phenomenal.
Every
oneofthemistentimeshappierthanbefore,andthey’reallonthero
ad to financial success. They all said it was life changing, andif
you were holding the course in Seattle, I’d definitely
cometoo.”
I thanked him for his testimonial and then asked if he
wasopen to some coaching. He agreed and I said, “I have
onlythreewordsforyou.”Hecheerfullyreplied,“Whatarethey?”
TowhichIterselyresponded,“You’refrickin’broke!”
ThenIaskedhimhowhewasdoingfinancially.He
TheWealthFiles-169
sheepishly replied, “Not too good.” Of course I replied,
“Nokidding.” I then began ranting and raving at the front of
theroom: “If you are going to let a three-hour drive or a
three-hourflightorathreedaytrekstopyoufromdoingsomethingyouneedandwanttodo,th
enwhatelsewillstopyou?Here’sthe easy answer: anything!
Anything
will
stop
you.
Not
becauseofthesizeofthechallengebutbecauseofthesizeofyou!
“It’s simple,” I continued. “Either you are a person who
willbe stopped, or you are a person who won’t be stopped.
Youchoose. If you want to create wealth or any other kind
ofsuccess,youhavetobeawarrior.Youhavetobewillingtodowhat
ever it takes. You have to ‘train’ yourself to not be stopped
byanything.
“Getting rich is not always convenient. Getting rich is
notalwayseasy.Infact,gettingrichcanbeprettydamnhard.Butso
what?Oneofthekeyenlightenedwarriorprinciplesstates,‘If you
are willing to do only what’s easy, life will be hard. Butif you
are willing to do what’s hard, life will be easy.’
Richpeopledon’tbasetheiractionsonwhat’seasyandconvenient;
that way of living is reserved for the poor and most of
themiddleclass.”
WEALTHPRINCIPLE:
If you are willing to do only what’s
easy,life will be hard. But if you are willing
to dowhat’shard, lifewill beeasy.
Thetiradewasover.Thecrowdwassilent.
Later,thefellawho’dstartedtheentirediscussioncameupandt
hankedmeprofuselyfor“openinghiseyes.”Of
170-SecretsoftheMillionaireMind
course he registered for the course (even though it was
inVancouver), but what was really funny was overhearing
himonthephoneasIwasleaving,ferventlygivingtheexactsames
peech I had just given him to one of his friends on the
otherend of the line. I guess it worked because the next day
hecalledinwiththreemoreregistrations.TheywereallfromtheEa
stCoast...andtheywereallcomingtoVancouver!
Now that we’ve addressed convenience, what about discomfort? Why is acting in spite of discomfort so
important?Because“comfortable”iswhereyou’reatnow.Ifyou
wanttomovetoanewlevelinyourlife,youmustbreakthroughyou
rcomfortzoneandpracticedoingthingsthatarenotcomfortable.
Let’s suppose you are currently leading a level 5 life and
youwant to move to a level 10 life. Level 5 and below are
withinyour comfort zone, but level 6 and above are outside
your box,in your “uncomfort” zone. Meaning, to get to a
level 10 lifefrom a level 5 life, you will have to travel
through youruncomfortzone.
Poorpeopleandmostofthemiddleclassarenotwillingtobeunc
omfortable.Remember,beingcomfortableistheirbiggest
priority in life. But let me tell you a secret that only richand
highly successful people know: being comfortable is
highlyoverrated. Being comfortable may make you feel warm,
fuzzy,and secure, but it doesn’t allow you to grow. To grow
as
apersonyouhavetoexpandyourcomfortzone.Theonlytimeyou
can actually grow is when you are outside your comfortzone.
Let me ask you a question. The first time you tried something new, was it comfortable or uncomfortable?
Usuallyuncomfortable.Butwhathappenedafterward?Themore
TheWealthFiles-171
youdidit,themorecomfortableitbecame,right?That’showit
goes. Everything is uncomfortable at the beginning, but
ifyou stick with it and continue, you will eventually
movethroughtheuncomfortzoneandsucceed.Thenyouwillhav
ea new, expanded comfort zone, which means you will
havebecomea“bigger”person.
Again,theonlytimeyouareactuallygrowingiswhenyou
are uncomfortable. From now on, whenever you feel uncomfortable, instead of retreating back into your old
comfortzone, pat yourself on the back and say, “I must be
growing,”andcontinuemovingforward.
WEALTHPRINCIPLE:
The only time you are actually
growingiswhen you areuncomfortable.
If you want to be rich and successful, you’d better
getcomfortable with being uncomfortable. Consciously
practicegoing into your uncomfort zone and doing what
scares you.Here’s an equation I want you to remember for
the rest ofyourlife:CZ= WZ.
Itmeansyour“comfortzone”equalsyour“wealthzone.”
Byexpandingyourcomfortzone,youwillexpandthesizeof
your income and wealth zone. The more comfortable
youhave to be, the fewer risks you will be willing to take, the
feweropportunities you will take advantage of, the fewer people
youwill meet, and the fewer new strategies you will try. Do
youcatch my drift? The more comfort becomes your priority,
themorecontractedyoubecomewithfear.
Onthecontrary,whenyouarewillingtos-t-r-e-t-chyourself,youexpandyouropportunityzone,andthisallows
172-SecretsoftheMillionaireMind
youtoattractandholdmoreincomeandwealth.Again,whenyouh
avealarge“container”(comfortzone),theuniversewillrush to
fill the space. Rich and successful people have a bigcomfort
zone, and they are constantly expanding it to be
abletoattainandholdmorewealth.
Nobody ever died of discomfort, yet living in the name
ofcomfort has killed more ideas, more opportunities, more
actions,andmoregrowththaneverythingelsecombined.Comfort
kills! If your goal in life is to be comfortable, Iguarantee two
things. First, you will never be rich. Second, youwill never be
happy.
Happiness
doesn’t
come
from
living
alukewarmlife,alwayswonderingwhatcouldhavebeen.Happin
ess comes as a result of being in our natural state
ofgrowthandlivinguptoourfullestpotential.
Try this. The next time you are feeling
uncomfortable,uncertain,orafraid,insteadofshrinkingandretrea
tingbacktosafety, press forward. Notice and experience the
feelings ofdiscomfort, recognizing that they are only
feelings—and thatthey do not have the power to stop you. If
you
doggedlycontinueinspiteofdiscomfort,youwilleventuallyreac
hyourgoal.
Whether the feelings of discomfort ever subside
doesn’tmatter. In fact, when they do lessen, take it as a sign
to in-crease your objective, because the minute you get
comfortable,you have stopped growing. Again, to grow
yourself
to
yourfullestpotential,youmustalwaysbelivingattheedgeofyour
box.
And because we are creatures of habit, we must practice.
Iurge you to practice acting in spite of fear, practice acting
inspite of inconvenience, practice acting in spite of
discomfort,andpracticeactingevenwhenyou’renotinthemood.
TheWealthFiles-173
By doing so, you will quickly move to a higher level of
life.Along the way, make sure you check your bank account,
be-cause,guaranteed,thatwillbegrowingquicklytoo.
At this point in some of my evening seminars I ask the audience, “How many of you are willing to practice acting
inspite of fear and discomfort?” Usually everyone puts his or
herhand up (probably because they’re scared to death I’m
goingto “pick” on them). Then I say, “Talk is cheap! Let’s
seewhether you mean it.” I then pull out a wooden arrow
with
asteelpointedtipandexplainthatasapracticeforthisdiscipline,you’reg
oingtobreakthisarrowwithyourthroat.Ithendemonstratehowth
esteelpointgoesintothesoftpartofyour throat, while another
person holds the other end of thearrow against their
outstretched palm. The idea is to walkstraight into the arrow
and
break
it
using
only
your
throatbeforeitpiercesthroughyourneck.
At this point most people are in shock! Sometimes I
pickonevolunteertodothisexercise,sometimesIhandoutarrowst
oeveryone.
I’vedone
audiences
whereovera
thousandpeoplearebreakingarrows!
Canthisfeatbeaccomplished?Yes.Isitscary?Youbet.Isit
uncomfortable? Absolutely. But again, the idea is that
fearand discomfort do not stop you. The idea is to practice,
totrain yourself to do whatever it takes, and to act in spite
ofanythingthatmightbeinyourway.
Domostpeoplebreakthearrow?Yes,everyonewhowalksinto
it with 100 percent commitment breaks it. However,
thosewhowalkintoitslowly,halfheartedly,ornotatall,don’t.
After the arrow exercise I ask people, “How many of
youfoundthearroweasiertobreakphysicallythanwhatyour
174-SecretsoftheMillionaireMind
mind made it up to be?” All agree it was actually a lot
easierthantheythoughtitwouldbe.Whyisthisso?Herecomesone
ofthemostimportantlessonsyouwilleverlearn.
Yourmindisthegreatestsoap-operascriptwriterinhistory.It
makes up incredible stories, usually based in dramas
anddisasters, of things that never happened and probably
neverwill. Mark Twain said it best: “I’ve had thousands of
problemsinmylife,mostofwhichneveractuallyhappened.”
One of the most important things you can ever
understandis that you are not your mind. You are much bigger
and
greaterthanyourmindalone.Yourmindisapartofyoujustasyourh
andisapartofyou.
Here’s a thought-provoking question: What if you had
ahandthatwasjustlikeyourmind?Itwasscatteredallovertheplace
, it was always beating you up, and it never shut up. Whatwould
you do with it? Most people answer something
like“Cutitoff!”Butyourhandisapowerfultool,sowhywouldyou
cut it off ? The real answer of course is you’d want tocontrol
it, manage it, and train it to work for you instead
ofagainstyou.
Training and managing your own mind is the most important skill
youcould ever own, in terms of both happiness and success, and
that’sexactlywhatwe’vebeendoingwiththisbookandwillcontinuet
odowithyoushouldyouattendoneofourliveprograms.
WEALTHPRINCIPLE:
Training and managing your own mind is the
mostimportant skill you could ever own, in terms of
bothhappinessand success.
TheWealthFiles-175
How do you train your mind? You start with
observation.Noticehowyourmindconsistentlyproducesthough
tsthatarenot supportive to your wealth and happiness. As you
identifythose thoughts, you can begin to consciously replace
thosenonempowering thoughts with empowering ones.
Where doyou find these empowering ways of thinking?
Right here, inthis book. Every one of the declarations in this
book is anempoweringandsuccessfulwayofthinking.
Adopt these ways of thinking, being, and attitudes as
yourown. You don’t have to wait for a formal invitation.
Decideright now that your life would be better if you chose
to thinkin the ways we’ve been describing in this book,
instead ofthrough the self-defeating mental habits of the
past.
Make
adecisionthatfromnowon,yourthoughtsdonotrunyou,youruny
ourthoughts.Fromnowon,yourmindisnotthecaptainof
the
ship, you are the captain of the ship, and your
mindworksforyou.
Youcanchooseyourthoughts.
You have the natural ability to cancel any thought that
isnot supporting you, at any time. You can also install selfempowering thoughts at any time, simply by choosing to
focusonthem.Youhavethepowertocontrolyourmind.
As I mentioned earlier, at one of my seminars one of
myclosestfriendsandbestsellingauthorRobertAllensaidsomething quite profound: “No
thought lives in your headrent-free.”
Whatthatmeansisthatyouwillpayfornegativethoughts.You
will pay in money, in energy, in time, in health, and
inyourlevelofhappiness.Ifyouwanttoquicklymovetoanewleve
l of life, begin dividing your thoughts into one of
twocategories—empoweringordisem-
176-SecretsoftheMillionaireMind
powering. Observe the thoughts you have, and determine
ifthey are supportive to your happiness and success or
notsupportive.Thenchoosetoentertainonlyempoweringthough
ts while refusing to focus on disempowering ones.When a
nonsupportive thought bubbles up, say “Cancel”
or“Thankyouforsharing”andreplaceitwithamoresupportivewa
y of thinking. I call this process power thinking, and
markmy words, if you practice it, your life will never be the
sameagain.Thatisapromise!
So what is the difference between “power thinking”
and“positive”thinking?Thedistinctionisslightbutprofound.To
me, people use positive thinking to pretend that everything
isrosy,whentheyreallybelievethatit’snot.Withpowerthinking,
we understand that everything is neutral, that nothinghas
meaning except for the meaning we give it, and that we
aregoingtomakeupastoryandgivesomethingitsmeaning.
Thisisthedifferencebetweenpositivethinkingandpowerthin
king. With positive thinking, people believe that
theirthoughtsaretrue.Powerthinkingrecognizesthatourthought
sare not true, but since we’re making up a story anyway,
wemight as well make up a story that supports us. We don’t
dothisbecauseournewthoughtsare“true”inanabsolutesense,bu
tbecausetheyaremoreusefultousandfeelaheckofalotbetterthan
nonsupportiveones.
Before we leave this section, I must warn you—do not attempt the arrow-break exercise at home. The exercise has
tobe set up in a specific way or you could hurt yourself as well
asothersaroundyou.Atourprogramsweuseprotectiveequipmen
t. If you have an interest in these types of breakthroughexercises,seethedescriptionoftheEnlightened
TheWealthFiles-177
WarriorTrainingCamponourWebsite.Thisprogramwillgive
youallyoucanhandleandmore!
DECLARATIONS:Placeyourhandonyourheartandsay...
“I act in spite of
fear.”“Iactinspiteofdou
bt.”“Iactinspiteofworry.
”
“Iactinspiteofinconvenience.”“Ia
ctinspiteofdiscomfort.”
“IactwhenI’mnotinthemood.”
Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Listyourthreegreatestworries,concerns,orfearsregardingm
oneyandwealth.Challengethem.Foreach,write down what
you would do if the situation you fearactually
happened. Could you still survive? Could
youmakeacomeback?Chancesarethattheanswersareyes.N
owquitworryingandstartgettingrich!
2. Practice getting out of your comfort zone.
Intentionallymakedecisionsthatareuncomfortableforyou.Sp
eaktopeopleyounormally wouldn’tspeakto,askfor
araiseinyourjoborraiseyourpricesinyourbusiness,wakeupan
hourearliereachday,walkinthewoodsatnight.TaketheEnligh
tened Warrior Training. It will train you to
beunstoppable!
3. Employ“powerthinking.”Observeyourselfandyourthou
ghtpatterns.Entertainonlythoughtsthatsup-
178-SecretsoftheMillionaireMind
portyourhappinessandsuccess.Challengethelittlevoiceinyourhe
adwheneverittellsyou“Ican’t”or“Idon’twantto”or“Idon’tfeelli
keit.”Don’tallowthisfear-based,comfortbasedvoicetogetthebetterofyou.Makeapactwithyourselfthat
whenever the voice tries to stop you from
doingsomethingthatwouldbesupportivetoyoursuccess,youwilld
oitanyway,toshowyourmindthatyouaretheboss,notit.Notonly
willyouincreaseyourconfidencedramatically,buteventually this
voice will get quieter and quieter as
itrecognizesithaslittleeffectonyou.
SuccessStoryfromAndrewWilton
Harv,
My name is Andrew Wilton and I am eighteen years old.
Ihavejustcompletedmyfirstyearofuniversity.IattendedtheMilli
onaireMindIntensivetwoyearsagoandIhavebeenusingthetech
niquesIlearnedthereeversince.
This past February for reading week, while my
friendswereworkingorvisitingtheirfamilies,usingthemoneythat
I had saved through your methods, I was able to spend
tendaysonthesoutherncoastofSpain.What anexperience!
Iwouldn’thavehadthefinancialfreedomtogowhereverI
wanted and do whatever I wanted if I hadn’t
implementedthestrategiesIlearnedattheMMI.
Thankyou,Harv.
TheWealthFiles-179
WealthFile#17
Richpeopleconstantlylearnandgrow.Poo
rpeoplethinktheyalreadyknow.
At the beginning of my live seminars, I introduce people
towhat I call “the three most dangerous words in the
Englishlanguage.” Those words are “I know that.” So how
do youknow if you know something? Simple. If you live it, you
knowit.Otherwise,youheardaboutit,youreadaboutit,oryoutalk
aboutit,butyoudon’tknowit.Putbluntly,ifyou’renotreallyrich
and really happy, there’s a good chance you still
havesomethingstolearnaboutmoney,success,andlife.
As I explained at the beginning of this book, during
my“broke”days,Iwasfortunatetogetsomeadvicefromamultimillionaire friend who had some compassion for my
plight.Remember what he said to me: “Harv, if you’re not as
suc-cessful as you’d like to be, there’s something you don’t
know.”Fortunately, I took his suggestion to heart and went
frombeinga“know-it-all”toa“learn-itall.”Fromthatmomenton,everythingchanged.
Poor people are often trying to prove that they’re
right.Theyputonamaskasifthey’vegotitallfiguredout,andit’sju
st some stroke of bad luck or a temporary glitch in
theuniversethathasthembrokeorstruggling.
One of my more famous lines is “You can be right or
youcanberich,butyoucan’tbeboth.”Being“right”meanshaving to hold on to your old ways of thinking and being. Unfortunately,thesearethewaysthatgotyouexactlywhereyouare
now. This philosophy also pertains to happiness, in
that“youcanberightoryoucanbehappy.”
180-SecretsoftheMillionaireMind
WEALTHPRINCIPLE:
You can be right or you can be
rich,but you can’t be both.
There’s a saying that author and speaker Jim Rohn uses
thatmakes perfect sense here: “If you keep doing what
you’vealways done, you’ll keep getting what you’ve always
got.” Youalready know “your” way, what you need is to know
some newways. That’s why I wrote this book. My goal is to
give yousome new mental files to add to the ones you
already have.New files mean new ways of thinking, new
actions, andthereforenewresults.
That’s why it’s imperative you continue to learn and
grow.Physicistsagreethatnothinginthisworldisstatic.Everything alive is constantly changing. Take any plant. If a
plantisn’tgrowing,itisdying.It’sthesamewithpeopleaswellasallot
herlivingorganisms:ifyouarenotgrowing,youare dying.
One of my favorite sayings is by author and
philosopherEric Hoffer, who said, “The learners shall inherit
the earthwhile the learned will be beautifully equipped to live
in
a
worldthatnolongerexists.”Anotherwayofsayingthatis,ifyou’re
notcontinuouslylearning,youwillbeleftbehind.
Poor people claim they can’t afford to get educated due
tolack of time or money. On the other hand, rich people
relatetoBenjaminFranklin’squote:“Ifyouthinkeducationisexp
ensive, try ignorance.” I’m sure you’ve heard this
before,“knowledgeispower,”andpoweristheabilitytoact.
WheneverIoffertheMillionaireMindIntensiveprogram,Ifind
itinterestingthatit’susuallythepeoplewhoare
TheWealthFiles-181
the most broke who say, “I don’t need the course,” “I
don’thave the time,” or “I don’t have the money.”
Meanwhile, themillionaires and multimillionaires all register
and
say,
“If
I
canlearnjustonenewthingormakeoneimprovement,it’sworthit.
”Bytheway,ifyoudon’thavethetimetodothethingsyouwant to
do or need to do, you’re most probably a modernslave. And
if you don’t have the money to learn how to
besuccessful,youprobablyneeditmorethananyone.I’msorry,b
utsaying“Idon’thavethemoney”justdoesn’tcutit.Whenwillyou
havethemoney?Whatisgoingtobedifferentayearortwoyearsorf
iveyearsfromnow?Here’stheeasyanswer:nothing! And you’ll
be saying the exact same words again atthattime.
The only way I know for you to have the money you want
istolearnhowtoplaythemoneygameinsideandout.Youneedto
learn the skills and strategies to accelerate your income,
tomanage money, and to invest it effectively. The definition
ofinsanity is doing the same thing over and over and
expectingdifferentresults.Look,ifwhatyou’vebeendoingwere
working, you’d already be rich and happy. Anything else
yourmind conjures up as a response is nothing more than
anexcuseorjustification.
I hate to be so in your face about it, but the way I see
it,that’smyjob.Ibelieveagoodcoachwillalwaysaskmoreofyout
hanyouwillaskofyourself.Otherwise,whytheheckdoyouneedo
ne?Asacoach,mygoalistotrainyou,inspireyou,encourageyou,c
oaxyou,andhaveyouobserve,infulllivingcolor,
what
is
holding you back. In short, to do whatever ittakes to move
you to the next level in your life. If I have to, I’llrip you apart
and then piece you back together in a way
thatworks.I’lldowhateverittakestomakeyoutentimeshappieran
dahundredtimesasrich.Ifyou’relooking
182-SecretsoftheMillionaireMind
forPollyanna,I’mnotyourguy.Ifyouwanttomovequicklyandpe
rmanently,let’scontinue.
Success is a learnable skill. You can learn to succeed
atanything. If you want to be a great golfer, you can learn how
todoit.Ifyouwanttobeagreatpianoplayer,youcanlearnhowto do
it. If you want to be truly happy, you can learn how todo it.
If you want to be rich, you can learn how to do it. Itdoesn’t
matter where you are right now. It doesn’t matterwhere you
are starting from. What matters is that you arewillingtolearn.
Oneofmybetterknownquotesis“Everymasterwasonceadisaster.”Here’sanexa
mple.Awhileago,IhadanOlympicskierinmyseminar.WhenIm
adethatstatement,hestoodupand asked to share. He was
adamant, and for some reason Ithought he was going to
vehemently disagree. To the contrary,he told everyone the
story
of
how
when
he
was
a
kid,
he
wastheworstskierofallhisbuddies.Howtheysometimeswouldn
’t call him to go skiing with them because he was soslow. To
fit in, he went to the mountain early each weekendand took
lessons. Pretty soon he not only kept up with
hisbuddies,hesurpassedthem.Hethengotinvolvedintheracingcl
ub and learned from a top-ranked coach. His exact
wordswere “I might be a master skier now, but I definitely
startedout as a disaster. Harv’s absolutely right. You can
learn tosucceed at anything. I learned how to succeed at
skiing, andmynextgoalistolearnhowtosucceedwithmoney!”
WEALTHPRINCIPLE:
“Everymasterwasoncea disaster.”
—T.HarvEker
TheWealthFiles-183
No one comes out of the womb a financial genius.
Everyrichpersonlearnedhowtosucceedatthemoneygame,ands
ocan you. Remember, your motto is, if they can do it, I can
doit!
Becoming rich isn’t as much about getting rich financially
asabout whom you have to become, in character and mind,
toget rich. I want to share a secret with you that few
peopleknow: the fastest way to get rich and stay rich is to
work ondeveloping you! The idea is to grow yourself into a
“successful”person.Again,yourouterworldismerelyareflection
ofyourinnerworld.Youaretheroot;yourresultsarethefruits.
There’sasayingIlike:“Youtakeyourselfwithyouwher-ever
you go.” If you grow yourself to become a successfulperson,
in strength of character and mind, you will naturally
besuccessful in anything and everything you do. You will gain
thepower of absolute choice. You will gain the inner power
andability to choose any job, business, or investment arena
andknow you’ll be a success. This is the essence of this
book.When you are a level 5 person, you get level 5 results.
But ifyou can grow into a level 10 person, you will get level
10results.
Heedthiswarning,however.Ifyoudon’tdotheinnerworkonyo
urself,andsomehowyoumakealotofmoney,itwouldmost likely
be a stroke of luck and there’s a good chance you’dlose it. But
if you become a successful “person” inside and out,you’ll not
only make it, you’ll keep it, grow it, and
mostimportant,you’llbetrulyhappy.
Rich people understand the order to success is BE,
DO,HAVE.
PoorandmiddleclasspeoplebelievetheordertosuccessisHAVE,DO,BE.
184-SecretsoftheMillionaireMind
Poor and most middle-class people believe “If I have a lot
ofmoney,thenIcoulddowhatIwantandI’dbeasuccess.”
Rich people understand, “If I become a successful person,
Iwill be able to do what I need to do to have what I want, includingalotofmoney.”
Here’s something else only rich people know: the goal
ofcreating wealth is not primarily to have a lot of money,
thegoal of creating wealth is to help you grow yourself into
thebestpersonyoucanpossiblybe.Infact,thatisthegoalofallgoal
s, to grow yourself as a person. World-renowned singerand
actress Madonna was asked why she kept changing
herpersona, her music, and her style every year. She
respondedthat music was her way to express her “self ” and
that rein-venting herself each year forces her to grow into
the kind ofpersonshewantstobe.
In short, success is not a “what,” it’s a “who.” The
goodnewsisthat“who”youareistotallytrainableandlearnable.Is
houldknow.BynomeansamIperfectorevenclosetoit,butwhen I
look at who I am today as opposed to who I wastwenty years
ago, I can see a direct correlation between “meand my
wealth” (or lack of it) then and “me and my
wealth”now.Ilearnedmywaytosuccessandsocanyou.That’swh
yI’minthetrainingbusiness.Iknowfrompersonalexperiencethat
virtually any person can be trained to succeed. I wastrained
to succeed, and now I’ve been able to train tens
ofthousandsofotherstosucceed.Trainingworks!
I’vefoundthatanotherkeydifferencebetweenrichpeopleand
poor and middle-class people is that rich people are expertsin
their field. Middle-class people are mediocre in their
field,and poor people are poor in their field. How good are
you atwhat you do? How good are you at your job? How
good areyouatyourbusiness?Doyouwantatotally
TheWealthFiles-185
unbiased way of knowing? Look at your paycheck. That
willtellyoueverything.It’ssimple:togetpaidthebest,youmustbethebes
t.
WEALTHPRINCIPLE:
Togetpaidthebest,youmustbethebest.
Werecognizethisprincipleintheprofessionalsportsworldeve
ry day. Generally, the best players in every sport earn
themost.Theyalsomakethemostmoneyonendorsements.Thiss
ameprinciplealsoholdstrueinboththebusinessandfinancialwor
lds.Whetheryouchoosetobeabusinessowner,a professional, a
network marketing distributor, whether you’rein commissioned
sales
or
a
salaried
job,
whether
you’re
aninvestorinrealestate,stocks,oranythingelse,allthingsbeingeq
ual:thebetteryouareatit,themoreyou’llearn.Thisisjustanotherr
easonwhybeingacontinuouslearnerandenhancingyourskillinw
hateverarenayouareinisimperative.
On the topic of learning, it’s worth noting that rich
peoplenot only continue to learn, they make sure they learn
fromthose who have already been where they themselves
want togo. One of the things that made the biggest
difference
for
mepersonallywaswhomIlearnedfrom.Ialwaysmadeitapointtol
earnfromtruemastersintheirrespectivefields—notthosewho
claimed to be experts, but those who had real-world resultstobackuptheirtalk.
Rich people take advice from people who are richer
thanthey are. Poor people take advice from their friends,
who arejustasbrokeastheyare.
Irecentlyhadameetingwithaninvestmentbankerwho
186-SecretsoftheMillionaireMind
wanted to do business with me. He was suggesting I
placeseveral hundred thousand dollars with him to get
started. Hethen asked me to forward him my financial
statements so hecouldmakehisrecommendations.
Ilookedhimintheeyeandsaid,“Excuseme,butdon’tyouhavet
hisbackward?Ifyouwantmetohireyoutohandlemymoney,woul
dn’titbemoreappropriateforyoutoforwardmeyour
financial
statements? And if you’re not really rich, don’tbother!” The
man was in shock. I could tell that no one
hadeverquestionedhisownnetworthasastipulationforinvesting
withhim.
It’s absurd. If you were going to climb Mount
Everest,would you hire a guide who’s never been to the
summit
before,orwoulditbesmartertofindsomeonewho’smadeittothetop
severaltimesandknowsexactlyhowtodoit?
So, yes, I am absolutely suggesting you put serious
attentionand energy into continuously learning and, at the same
time,
becautiousofwhomyouarelearningandtakingadvicefrom.Ifyo
ulearnfromthosewhoarebroke,evenifthey’reconsultants,
coaches, or planners, there’s only one thing
theycanteachyou—howtobebroke!
By the way, I highly recommend you consider hiring
apersonalsuccesscoach.Agoodcoachwillkeepyouontrackin
doing what you’ve said you want to do. Some coaches
are“life”coaches,meaningtheyhandlethegamutofeverything,
while other coaches have specialties that might include personal or professional performance, finances, business, relationships, health, and even spirituality. Again, find out
yourprospectivecoach’sbackgroundtoensurethecoachhasdem
onstratedsuccessinthearenasofimportancetoyou.
Just as there are successful paths to climbing Mount Everest,thereareprovenroutesandstrategiesforcreatinghigh
TheWealthFiles-187
income,fastfinancialfreedom,andwealth.Youhavetobewilling
tolearnthemandusethem.
Again, aspartofour MillionaireMind
MoneyManagementmethod, I strongly suggest that you put
10 percent of
yourincomeintoanEducationFund.Usethismoneyspecificallyfor
courses, books, tapes, CDs, or any other way you chooseto
educate yourself, whether through the formal
educationsystem,privatetrainingcompanies,orpersonalized,oneononecoaching.Whatevermethodyouchoose,thisfundensuresyou
will always have the wherewithal to learn and grow insteadof
repeating the poor person’s refrain of “I already know.”The
more you learn, the more you earn . . . and you can
takethattothe bank!
DECLARATION:
Place your hand on your heart and
say...“Iamcommittedtoconstantlylearningandgrowing.
”Touchyourheadandsay...
“Ihave amillionairemind!”
MILLIONAIREMINDACTIONS
1. Commit to your growth. Each month read at least
onebook, listen to one educational tape or CD, or take
aseminaronmoney,business,orpersonaldevelopment.You
r knowledge, your confidence, and your success
willsoar!
2. Considerhiringapersonalcoachtokeepyouontrack.
3. AttendtheMillionaireMindIntensive.Thisamazingeve
nt has transformed the lives of thousands
andthousandsofpeopleandwilltransformyourlifetoo!
“SoWhattheHeckDoIDoNow?”
S
owhatnow?whatdoyoudo?wheredoyoustart?
I’vesaiditbefore,andI’llsayitagainandagainandagain:“Talk
is cheap.” I hope you enjoyed reading this book, butmore
important, I hope you use its principles to
dramaticallyenhance your life. In my experience, however,
reading
alonewillnotmakethedifferenceyouarelookingfor.Readingisa
start,butifyouwanttosucceedintherealworld,it’sgoingtobeyour
actionsthatcount.
In Part I of this book, I introduced the concept of
yourmoney blueprint. It’s simple: your financial blueprint
willdetermineyourfinancialdestiny.Makecertainyoudoeachoft
heexercisesIsuggestedinthearenasofverbalprogramming,mod
eling, and specific incidents, in order to begin changingyour
blueprint to one that supports financial success. I
alsoencourage you to do the declarations I suggested each
andeveryday.
InPartIIofthisbook,youlearnedseventeenspecificwaysthat
rich people think differently from poor and middleclasspeople.Irecommendyoucommiteachofthese
190-SecretsoftheMillionaireMind
“wealth files” to memory by repeating their declarations
daily.Thiswillroottheseprinciplesintoyourmind.Eventuallyyo
uwill find yourself looking at life and especially money
verydifferently.Fromthereyouwillmakenewchoicesanddecisi
ons and create new results. To speed up this
process,makesureyoudotheactionexercisesgivenattheendofea
chofthewealthfiles.
These action exercises are imperative. For change to
bepermanent, it must occur on a cellular basis—your
brain’swiring must be remade. This means you have to put
the
materialintopractice.Notjustreadaboutit,notjusttalkaboutit,andno
tjustthinkit,butactuallydoit.
Beware of the little voice in your head saying something
like“Exercises, schmexercises, I don’t need or have time
forexercises.” Notice who is doing the talking here? The
condi-tioned mind, that’s who! Remember, its job is to keep
youright where you are, in your comfort zone. Don’t listen
to
it.Dotheactionexercises,doyourdeclarations,andwatchyourlif
eskyrocket!
Ialsosuggestyourereadthisbookfrombeginningtoendatleast
onceamonthforthenextyear.“What?”yourlittlevoicemight be
screaming. “I’ve already read the book, why do Ineed to
read it over and over again?” Good question, and theanswer
is simple: repetition is the mother of learning. Again,the
more you study this book, the faster the concepts
willbecomenaturalandautomaticforyou.
Besuretovisitwww.millionairemindbook.comandclickon
“FREE BOOK BONUSES” to receive several
valuablegiftsthatinclude:
• Aprintablelistofdeclarationssuitableforframing
• TheMillionaireMind“thoughtoftheweek”
“SoWhattheHeckDoIDoNow?”-191
• TheMillionaireMind“actionreminder”
• TheMillionaireMind“networthtrackingsheet”
• Aprintoutofyour“CommitmenttoWealth”
AsIstatedearlier,Ilearnedmywaytosuccess,sonowit’smytur
ntoassistothers.Mymissionisto“educateandinspirepeopletoliv
eintheir‘higherself’basedincourage,purpose,andjoyversusfear
,need,andobligation.”
Iamtrulyblessedtohaveseminars,workshops,andcampsthat
transform people’s lives quickly and permanently.
I’mthrilledtohavebeenabletohelpover250,000peoplebecomer
icher and happier. From my heart to yours, I invite you
toattend the three-day Millionaire Mind Intensive Seminar.
Thisevent will take you to an entirely new level of success.
Thecourse is where we actually change your money blueprint
rightonthe spot.
Inoneincredibleweekendyouwillbreakthroughwhateveris
holding you back from reaching your full financial
potential.You will walk out of the program with a brand-new
outlookon life, on money, on your relationships, and on
yourself.Many attendees count the Millionaire Mind Intensive
as one ofthe most important experiences of their life. It’s fun,
it’sexciting,andit’spackedwithprofoundknowledgeandessenti
al financial skills. You will meet hundreds of likemindedpeoplefromallovertheworld,manyofwhomcouldbeco
me business associates and lifelong friends. This course
issocrucialforyoutoattendthat,foralimitedtime,thepublisherso
fthisbookandIhavedecidedtoprovideascholarship to you and
a
family
member
to
attend
the
coursefreeasourguests.That’sright,bothofyoucomefree!
192-SecretsoftheMillionaireMind
Seethefollowingpagesformoredetailsaboutthisoffertoyou.
Well, that’s it for now. Thank you for spending your precious time reading this book. I wish you tremendous
successand true happiness, and I look forward to meeting
you inpersonsoon.
Foryourfreedom,
T.HarvEker
SPECIALBONUSOFFER
T. Harv Eker’s ThreeDayMillionaireMindIntens
ive
SeminarFree!
As a thank-you for purchasing Secrets of the Millionaire Mind,
T.Harv Eker is offering a scholarship for you and a
familymember to attend the three-day Millionaire Mind
IntensiveSeminar
as
hiscomplimentaryguests.That
isatotalvalueof
$2,590—forfree!
These guest seats are available to purchasers of T.
HarvEker’s Secrets of the Millionaire Mind published by
HarperBusiness.ThecoursemustbecompletedbyJuly1,2006,andthis
offer is made on a space-available basis. All seating is
firstcome,firstserve.Toassureyourspot,pleaseregisterimmedia
telyatwww.millionairemindbook.com.
At the Millionaire Mind Intensive weekend program,
youwillexpandupontheinsightsprovidedinthisbookbylearning
:
• Howtopermanentlychangeyourmoneyblueprintfornat
uralandautomaticsuccess.
194-SpecialBonusOffer
• Astep-bystepprocessforwinningthemoneygame,sothatyouneverhav
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• Theworld’seasiestandmosteffectivemoneymanagementmethod.
• Thehabitsoftrulywealthypeople.
• Theunderlyingcauseofalmostallfinancialproblems.
• Twelvewaystoearnpassiveincomesoyoucanmakemone
ywhileyousleep.
• Howtoreleaseyourhiddenemotionalblockstowealth.
• Howtorecognizeyour“moneypersonality”soyoucanbuildo
nyourstrengthsandovercomeyourweaknesses.
Bytheendofthecourse,youwillhavetheinnercapacitytocreat
e wealth and, more important, to keep your wealth andgrow
it. Best of all, the same inner strategies that work tocreate
success with money work to enhance your inner
peaceandhappinessaswell.
Whether you are currently a millionaire, middle-class,
orbroke, if you’re not 100 percent satisfied with your
income,yournetworth,oryourlevelofhappiness,andyouknowy
ouhavemorepotentialthanyourresultsareshowing,thenregister for the Millionaire Mind Intensive Seminar today.
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TheMillionaireMindSeminarislifechanging.Iurgeeveryoneofmystudentstoattendthispowerfulcourse.Itisincre
dible.”
—RobertG.Allen, New YorkTimesnumberonebestsellingauthor,NothingDownRealEstateandMultipleStreamsofIncome,coauthor,T
heOneMinuteMillionaire
“HarvEkerisoneofthemostextraordinarytrainersintheworldtoday!
Harv’sexperientialtechniquesaretransformational,andhecreatesamaz
ingresultseverytimehespeaks!”
—
MarkVictorHansen,cocreator,ChickenSoupfortheSoul ®,morethan70millionso
ld;coauthor,TheOneMinuteMillionaire
“T.HarvEkerisanelectrifyingspeaker!
He has the ability to transfix an audience,
motivateandenlightenthem,andgivetheminformationinaw
ay
thattheyabsorbitfully.I’veseenandheardalotofspeakers;noneareas
dynamicasT.HarvEker!”
—
JayConradLevinson,authoroftheGuerrillaMarketingbookseries,morethan1
4millionsold
SHARETHE WEALTH
Themarkoftruewealthisdeterminedbyhowmuchonecangiveaway.
—T.HarvEker
Thisbookteachesyoutoobserveyourwaysofthinkingandtochall
enge your limiting, nonsupportive thoughts, habits,
andactionswithregardtomoney.Thereasonwestartwithmoneyi
s that money is one of the biggest areas of pain in
mostpeople’s lives. But there’s a bigger picture to consider.
You see,once you start recognizing your nonsupportive ways
aroundfinances, this awareness will transfer into every other
part ofyourlife.
Thegoalofthisbookhasbeentoassistyouinraisingyourconsci
ousness.Again,consciousnessisobservingyourthoughtsandact
ions,sothatyoucanoperatefromtruechoiceinthepresent,rathert
hanactingonthebasisofprogrammingfrom the past. It is about
the power to respond from yourhigher self rather than to
react
from
your
fear-based,
“lower”self.Inthiswayyoucanbethebestyoucanbeandfulfillyo
urdestiny.
But you know what? The essence of this transformation
isnot just about you. It is about the entire world. Our world
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yourselftoyourfullestpotential,tocreateabundanceand success
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I therefore ask you to share this message of
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Commit
to
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consider getting it for them as a life-changing gift. Not
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askforyoursupportinmakingthisdreamareality.
Thankyou.
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INDEX
abundance,62
accelerated
learning
techniques,15Acres of Diamonds
(Conwell),89–
90actions,16,18,19,20,45,47,49,52,
53,80,84,166,189–92
inexercises,61–62,65,72,78,85,94,
101,105–6,110–11,122–23,129,
137,144,153,165–66,177–78,
187,190
admiration,88,93–94
affirmations, 16,166
agreements,132
Allen, Robert,89–90, 175
ambivalence,66–68,71
anger, 30–31
arrow-breakexercise,173–74,176
attention,60,143,149
attention-seekingbehavior,60
automaticresponses,19,50–51
awareness,24,25,34,39,45,51
Bach,Richard,75
Baines,RhondaandBob,48bank
accounts,148–52,187
bankruptcy,148
“Be, Do, Have,” 183–
84beliefs,10,45,104–5,124,134
empowering, 47,88
limiting,21–22,23,46–47,56–57,66,
88,135,137
seealsothoughtsbenefits,
128
blame,55,59,61
“blamegame,”55
borrowing,26,149
breakups,38
businessownership,124,126–29
Chamitoff,Deborah,37
change,45,53
declarationsfor,15–17
elementsof,24
reconditioningand,24–47
stepsfor,25,34,39
character,10,107,183
choices,45,50,110
see also
decisionscoaching,181
–82,186
comfort zone, 42, 170–72,
190comfortzone=wealthzone(CZ=
WZ),171–72
commission,124,127
commitment,65–72,169,173
ambivalencevs.,66–68,71
rationalizingvs.,66
roleofuniversein,67–68,71
complaining,58–60, 61
conditionedmind,19,112,190
conditioning,45,46,102,126,134,
135,136,145,155,158,162
influenceson,18–40
modelingand,20,25–34, 95,100,
189
204-Index
conditioning(cont.)
parental,18,21–23,25–28,29,30,
33–34,35,97,103,111–12
punishmentand,111–12
andreconditioning,20,24–
40specificincidentsand,20,
34–40,102,189
verbalprogrammingand,20–
25,189
confidence,79
consciousness,45,46
consultancy,128
contracting,128
convenience,169
Conwell,RussellH.,89–
90,91costofliving,140
courage,191
“crap”magnet,58–59
criticism,100culture,19
CZ=WZ(comfortzone=wealthzon
e),171–72
decisions,23,45,49–51,71,79,
160,169,175,190
andcommitment,69
seealsochoices
declarations,15–17,175,189,190
inexercises,17,25,34,39,47,61,
65,72,77–78,85,94,100,105,
110,121,129,137,144,153,165,
177,187
demand,73
dharma,75
disassociation,24,25,34,39
discomfort,170–
71,173disempoweringtho
ughts,
175–76
seealsolimitingbeliefsdistributorshi
ps,127–28
doinghabits,53
doubts,167
downers,96–98
duality,9
dutytoothers,73–78,105,118–19
seealsophilanthropy
EducationAccount,151
EducationFund,187effects,
seeresults
ego,60,74,75,100,108
either/orthinking,131–37
emotionalworld,14
emotions,22,150
see also
feelingsempoweringbelief
s,47–88
empoweringthoughts,87–88,
175–76
seealsodeclarationsenergy,10,15,81,
96,133,143
negative,58,98,107
poisonous,98
positive, 156–57
EnlightenedWarriorTraining,81,1
10,167,169,176–77
“enteringthecorridor,”82–
83entrepreneurs,26,75,139
envy,86–94,95
admirationvs.,86,93–94
experts,91, 165,184–85
extravagance,151
fears,9,31,32,45,46,74,75,78,124,
135,191
actioninspiteof,166–78
feelings,18,19,20,47,49,52,166,167
seealsoemotions;specificfeelingsFe
eltheFearandDoItAnyway
(Jeffers),167
Felicien,Perdita,99
FFA (FinancialFreedom Account),148–
50,162
Index-205
financialdestiny,17–18
financialfreedom,11,30,145,150–53,
157,162–63,164
Financial Freedom
Account(FFA),148–50,162
FinancialFreedomjar,149–
50financialfunnel,139
financialgarden,23
financialplanner,143–44
financialpotential,11,41,191fi
nancialsuccess:
cause andeffect in,12–
15fullpotentialfor,11,41
financialthermostat,11,43–44
financialwarriors,110
focus,80–81,109,143
four factors of net worth, 138–
42fourquadrantsofexistence,13–
14Franklin,Benjamin,180
freedom,36,110,133
seealsofinancialfreedom“
freedomfighters,”164
fruits, 12–13, 31
Fuller, Buckminster, 75
generosity,93,119,136
GiveAccount,151
goals,16
expansive,73–78,80–
81highvs.low,64–65
of middle class, 63–
64obstaclesand,81
ofpoor,62–63,64
God,55,76,113
see also higher
powergratitude,120,1
21
GreatDepression,28,29
greed,20,22,91,93,119
guilt,150
habits:
money,145,147,149,152
personal,9,32,45,53,119,168,172,
175
seealso conditioning;
specifichabitsHansen, Mark Victor,
89–90happiness,12,31,46,51,121,133–
34,
141,153
“Have,Do,Be,”183–84
high-and-mightysyndrome,103
higherpower,67,80
see also God;
universehigherself,31,10
8,191
Hoffer,Eric,180
Hunawisdom,93
immediategratification,140,159,160
inaction, 72,84
income,43,139
incomeceiling,125
initiative,78–85
opportunitiesvs.obstaclesin,78–82
see also taking
actioninner laws ofmoney,
9–10
innerworld,9–10, 12–15,95, 108,120,
167
insecurities,32,46
intention,powerof,29–30,63,68,82
investments,41–42,43,46,139,140,
148,155–66
invisibleworld,seeinnerworldinvolveme
nt,15
Jeffers,Susan,167
JonathanLivingstonSeagull(Bach),75jo
y,191
judgment,100
206-Index
justification,56–57,59,61,79,119,181
kindness,136
kiss-of-deathsyndrome,42
Kiyosaki,Robert,104
Kloser,Christine,154
LawofAttraction,58,67La
wofIncome,72
lawofintention,54leaders
hip,104
leverage,36,126,128
lifecoaches,186
limitingbeliefs,21–22,23,46–47,
56–57,66,88,137
seealsodisempoweringthoughtsL
ong-TermSavingsforSpending
Account,151
long-termthinking,159,163
lottery,54
lotterywinners,11
love,57,60–61,121,136
luck,80,183
takingactionvs.,54,80
marketplacevalue,73
materialgratification,162
meditations,166
mentalcontrol,seemental
management
mentalmanagement,174–76
mentalprocesses,49–51
seealsomindsets;thoughtsmentaltraining,174–
76
mentalworld,14
Midastouch,42
middle-classmoneymentality,51–
52millionairemind,11,109
Millionaire Mind “action
reminder,”191
MillionaireMindIntensiveSeminar,19,2
4,34,38,41,45,66,68,87,88–89,
102,114,117,119,140,141,146,
147,148,149,156,159,161,162,
168,174,180,191
Millionaire Mind Money
Managementmethod,148–52,187
Millionaire Mind“net
worthtrackingsheet,”191
MillionaireMind“thoughtoftheweek,
”24,190
Millionaire Next Door, The
(Stanley),145
mindbank,29
mind-sets:
ofrichvs.poorandmiddleclass,51–
52,54,62,65,73,78,86,95,
101,106,111,123,131,137,145,
155,166,179
willingnesstochange,52–
53see also mental
processes;thoughts
mind’smoneyfiles,seewealthfilesmis
sions,seedutytoothers
modeling,20,25–34,95–96,100,189
stepsforchangein,34m
oney:
ambivalence about, 66–68,
71genderandattitudestoward,35–
37importanceof,56–57,133
misconceptionsabout,20,22,41,
118,123–24,131,132–33,155–56
negativeconnotationsof,20,21,31,
35,66,86–88,89–90,91
Index-207
assourceofconflictinrelationships,36
–40
moneyblueprint,9–48,100,109,140,
159,160,161,189,191
business success and, 42–
43formationof,18–40
goalsof, 40–48
identificationof,17–18
importanceof,10–17
inrelationships,36–40
reprogrammingof,20–40
money game, 62–65, 156,
181highvs.lowgoalsin,62–
65
moneymagnet,120,150
moneymanagement,145–
55moneymanagementmethod,
148–52,187
money mentality,49–53
in decision making, 49–
51richvs.poorandmiddleclass,
51–52
“moneypersonality,”161
moneysupply,135–36
mortgage,141,157
Murray,W.H.,71
NecessitiesAccount,151
need,191
negativeenergy,96–98,107,116
negativity,87–88
negotiations,132
networkmarketing,74,127–28,158
networth,43,137–44,152
determining,138
four factors of, 138–
42tracking of, 142–43,
191vs.workingincome,138
networthfactors,138–42
net worth objective,
143Nita, Sean,
130nonempoweringthoughts,
see
disempoweringthoughts
not-doinghabits,53
nurturing,119,150–51
obstacles,78–82,107–8, 110
One MinuteMillionaire,The
(Hansen andAllen),89–
90opportunities,78–82,84,171
opportunityzone,171
optimism,78–79
outerlawsofmoney,9
outerworld, 9,12–15, 95, 108,120, 167
overspending,160–61
parentalinfluences,18,21–23,25–28,
29,30,33–34,35,97,103,111–12,
126,132–33
Parkinson’sLaw,142
partners,38–93,163
passiveincome,139,157–59
through“businessworkingforyou,”15
7–58
through“moneyworkingforyou,”15
7
vs. working income, 158–
59passive-incomestreams,148
peace,31,96
Peak PotentialsTraining,53,101, 131
peoplepleasers,60
percentage, 126, 127
personalcharacteristics,9–10,32–33,
41–42
of thewealthy,91
seealsoindividualcharacteristics
208-Index
personalgrowth,45,96–98,106–8,
170–71
continuing,179–87
nonsupportive influenceson, 96–
98,169–73
in problemsolving,106–
8inretaining wealth,109
personalhistories,34–40
personal service businesses, 125–
26personal success coaches,
186perspective,131–37
of“either/or”vs.“both,”131–37
ofmoneyvs.happiness,131,133–34
ofself-worth,113–15pessimism,78–
79
philanthropy,41,92–93
see also duty to
othersphysicalworld,1
4
planesofexistence,seefourq
uadrantsofexistence
“play” account, 120, 150–51,162
pleasure,36
poormoneymentality,51–
52positiveenergy,96–98
positivethinking,176
powerofintention,29–30,63,68,82
powerthinking,176
practice, 172–73
“printout,”14
problem-orientation,109–10
problemsolvers,75
problemsolving,106–11
through personal growth, 106–
8ProcessofManifestation,18,19–20,49,
166–67
“program,”14
programming,seeconditioningpromotion,
101–6
ofproducts,servicesandideas,10
3–5
Promotion
(Cont),resentmentof,
102–3
of self, 103,
104Protestantworkethic,1
56punishment,111–12
purpose,191
quality,73
quantity, 73
rainy day saving, 29–
30rationalizing,seejustification
“Ready,fire,aim!,”81,84
realestate,163–64
rebellion,30,33
receiving,151
difficultywith,111–23
andgiving,115–16
reconditioning,20,24–40,51
seealso
conditioningrejection,102–3
relationships,36–40,153
remuneration,123–30
results-based,123,126,128
salary-based,123,126,128–29
time-based,123,124,125–26
resentment,30,86–88,93
residualincome,158
responsibility,54–62,69,79,80
vs.victimhood,54–61
results,12–15,18,19,20,47,49,143,
166,190
causes and,12–15
retailtherapy,160
retirement,148
ReturntoLove,A(Williamson),76Rich
Dad,PoorDad(Kiyosaki),104rich
money mentality, 51–
53risks,70,71,78,79,124,171
Index-209
Rohn, Jim,180
roots,12–13,31
Rosemary,Jim,77
sacrifice,70,71
saving,21,29–30,41,43,81,139–40
security,32,62,123–24,126
“seeds,”164
self-mademillionaires,11
self-worth,31–33,111–23
anddifficultywithreceiving,111–
23low,111–12
and net worth,
112recreatingof,114–
15
selfasdeterminerof,113–
14,127selling, see promotion
servicebusinesses,159
shame,150
short-termthinking,159,163
simplification,139,140–41,160
socialassociations,91–94,95–101
solution-orientation,109
specificincidents,20,34–
40,102,189stepsforchangein,39
spending,41,43,81,140
spirituality,91,97,136,149,150se
e also God; higher
power;innerworld;universe
spiritualworld,14
sports,98–99,185
stalling,79,84
Stanley,Thomas,145
steadypaycheck,123,126
stress,31, 59
subconsciousmind,16,18,22–23,
68–69,112
survival,49,62
takingaction,189–92
seealsoactions;initiativetalents,7
5
“tamingthecobraoffear,”167tax
benefits,128
taxes,127
taxwrite-offs,127
television,87,98
thinkingbig, 73,75–77
thinkingsmall,73,74,76
thoughts,18,19,20,46,47,49,52,88,
166,167
empowering
vs.
disempowering,175–76
negative vs. empowering, 87–
88see also beliefs; mental
processes;mind-sets
tools, 14, 44–45,109
toxicsituations,98
Trump,Donald,11,51
trust,89–90
uncomfortzone,170–71
understanding,24,25,34,39
universe,71,82,91,116–17,120,121,
147,149,172,179
up-and-downincomepattern,26–28,40
value,73,75,97,135–36
extolling one’sown,101–
5verbalprogramming,20–25,189
steps for change in,
25victimhood,54–61,86, 108,118,
126
blameand,55
complainingand,58–60
justificationand,56–57
210-Index
visibleworld,seeouterworldvisual
izations,166
wanting, three levels of,
69wealthfiles,19,38,49–187,190
wealthzone,171–72
Wilde,Stuart,10
Williamson,Marianne,76
Wilton,Andrew,178
Winfrey,Oprah,87
WizardTraining,96
workingincome, 138,139, 159
working smart,
156World War II,
29worries,9,10,167
“yo-yo”model,seeup-anddownincomepattern
ACKNOWLEDGMENTS
Writingabookappearstobeanindividualproject,buttherealityis that
if you want it to be read by thousands or hopefully
millionsofpeople,ittakesanentireteam.I’dfirstliketothankmywife,
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youfor allowing me the space to do what I came here to do. I’d
alsolike to thank my parents, Sam and Sara, as well as my sister,
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ing assistance, encouragement, and for leading me throughthe
ins and outs of the book business. Another big thankyougoestotheteamatHarperBusiness:publisherSteveHanselman,
who had the vision for this project and put so much time
andenergy into it; my wonderful editor, Herb Schaffner;
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upportfromthebeginning.
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Aboutthe Author
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Thevalueofthisfreeadmissionforyouandacompanionis
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as
of
February 2005.
Corporate
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This book is not intended to provide personalized
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areencouraged to seek the counsel of competent
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of
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law,properaccountingprocedures,financialplanning,andinve
stment
strategies.
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SECRETSOFTHEMILLIONAIREMIND.Copyright©
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AdobeAcrobateBookReaderFebruary2005ISBN0-06083194-4
Library ofCongressCataloging-inPublicationDataEker,T.Harv
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