Think and Grow Rich in Babylon Think and Grow Rich by Napoleon Hill The Richest Man in Babylon by George S. Clason The Science of Being Rich by Wallace D. Wattles Introduced and annotated by Mitch Horowitz Published 2024 by Maple Spring Publishing THINK AND GROW RICH IN BABYLON . Copyright © 2024 Maple Spring Publishing. Introductions and annotations by Mitch Horowitz. All rights reserved. No part of this book may be used, reproduced or transmitted in any manner whatsoever, by any means (electronic, photocopying, recording, or otherwise), without the prior written permission of the author, except in the case of brief quotations embodied in critical articles and reviews. No liability is assumed with respect to the use of the information contained within. Although every precaution has been taken, the author and publisher assume no liability for errors or omissions. Neither is any liability assumed for damages resulting from the use of the information contained herein. Front cover design by David Rheinhardt of Pyrographx Interior design by Meghan Day Healey of Story Horse, LLC. Library of Congress Cataloging-in-Publication Data is available upon request eISBN: 979-8-3505-0089-9 10 9 8 7 6 5 4 3 2 1 Contents Think and Grow Rich by Napoleon Hill The Richest Man in Babylon by George S. Clason The Science of Being Rich by Wallace D. Wattles Think and Grow Rich Napoleon Hill Contents Introduction: The Enigma of Napoleon Hill by Mitch Horowitz What Do You Want Most? Tributes to the Author Publisher’s Preface Author’s Introduction Chapter 1 General Introduction Chapter 2 Desire • The First Step to Riches Chapter 3 Faith • The Second Step to Riches Chapter 4 Auto-Suggestion • The Third Step to Riches Chapter 5 Specialized Knowledge • The Fourth Step to Riches Chapter 6 Imagination • The Fifth Step to Riches Chapter 7 Organized Planning • The Sixth Step to Riches Chapter 8 Decision • The Seventh Step to Riches Chapter 9 Persistence • The Eighth Step to Riches Chapter 10 Power of the Master Mind • The Ninth Step to Riches Chapter 11 The Mystery of Sex Transmutation • The Tenth Step to Riches Chapter 12 The Subconscious Mind • The Eleventh Step to Riches Chapter 13 The Brain • The Twelfth Step to Riches Chapter 14 The Sixth Sense • The Thirteenth Step to Riches Chapter 15 How to Outwit the Six Ghosts of Fear Appendix A: Napoleon Hill’s Seventeen Laws of Success Appendix B: A Prayer for True Prosperity Appendix C: Genius and Sex Transmutation by Mitch Horowitz Appendix D: Forming Your Master Mind Group by Mitch Horowitz About the Author Introduction The Enigma of Napoleon Hill I do not always admire the man—but of his success program’s efficacy, I have no doubt By Mitch Horowitz Few writers have made as deep an impact on the past century as Napoleon Hill (1883–1970). The Appalachian-born journalist virtually defined the field of motivational and success literature. His influence appears in the worldwide posterity of his most famous book, Think and Grow Rich, published in 1937. Although you can certainly find more hallowed works of therapeutic and practical philosophy than Think and Grow Rich, few have attracted such sustained and varied readership. And few, I believe, do more to hone your abilities and sense of purpose. My conviction grows from personal experience. Since I also write critically of Hill as a man in this piece, I want to open with the reasons for my enduring fealty to his work. I write these words about ten years from when I returned to Think and Grow Rich with real commitment in 2013. Until then I had read dozens of self-help books (including Hill’s), worked for years as a publisher in the field, and harbored something of a “been there, done that” attitude toward much of the genre. However, in fall of 2013, feeling that my longtime job as a publishing executive might be in jeopardy, I revisited Think and Grow Rich with a new sense of vigor and urgency. For the first time, I did every exercise as though my life depended on it, which I often call the “magic formula,” if there is any, to unlocking the book’s benefits. As I did this, my work as a writer, narrator, and lecturer dramatically expanded—work that is now my fulltime vocation. Writing at age fifty-seven, I can state plainly: I’ve never been happier waking in the morning. Rather than wring my hands over whether another writer would fulfill his deadline and do his work in a quality fashion, I take those burdens wholly—and gladly—on myself. I owe that, in significant measure, to Hill’s program. I’ve heard similar stories from many readers. Indeed, in more than twenty years as a publisher of spiritual and self-help literature—and equal time as a writer in these areas—I have never encountered a sustained reader of Hill’s work who was not changed by it in concrete, measurable ways. Just as I was completing this introduction, a reader wrote me: “My husband and many clients of mine credit that book to their spiritual awakening. I was skeptical of it because of the title but once I began to read I couldn’t believe the gems inside!” Hill’s success philosophy is not just for those who desire material wealth or that alone. It is for anyone possessed of any wish—whether student, soldier, teacher, artist, entrepreneur, or activist—that he or she hungers to actualize. That said, Hill’s unsentimental attitude toward moneygetting resonates with many readers. Hill’s work tends to polarize. I mentioned the dedication it evokes, including my own. In recent years, however, journalists have sharply questioned Hill’s biography. I’ve likewise written critically of Hill, including in my 2014 history of the positive-mind movement, One Simple Idea, a point to which I return. I have also encountered culture critics who blanketly deride Hill and related self-help authors. (Whether they’ve read them is questionable.) As I was working on this introduction, an academic tweeted at me about authors who “make money selling popular books about wishful thinking to people who don’t know any better.” Such criticisms conceal subtle social snobbery (people who don’t know any better) and, I believe, unacknowledged disdain for working and middleclass aspiration, not as politically idealized but as on-the-ground reality. Those unfamiliar with lack rarely understand, or interact with, the types of myriad and surprisingly varied readers who have brought greater sales to Hill’s book in the twenty-first century than during his lifetime.* In adulthood, I’ve met people—literally from movie producers to career military officers—who hit a dead end in life only to immerse themselves in Think and Grow Rich and discover a new set of practical, actionable possibilities—of transforming fallow prospects into progressive ones. Indeed, I am continually touched by how regional, cultural, lifestyle, and political differences melt away when enthusiastic readers of Hill encounter one another. Since I count myself among such readers—and venture that their experiences likely intersect with mine—I will briefly share my own story. When I grew up in Queens in the 1970s, my father was a Legal Aid Society attorney who defended the poorest of the poor. For factors I deem outside his control, he lost his job and profession, leaving us to consider applying for food stamps and warming our always-unaffordable home with kerosene heaters. We wore used clothes and scraped together change and coupons to buy weekly groceries. There were no Hanukkah, Christmas, or birthday gifts. My older sister and I would buy them with our own money, earned from odd jobs, and pretend to friends that they came from our parents. In the words of The Notorious B.I.G., “Birthdays was the worst days.” One night, in desperation, my father stole my mother’s engagement ring to pay debts, over which he may have been physically threatened. (He had started carrying pepper spray.) They divorced. My sister and I got by through after-school jobs, student loans, and precious availability of health benefits through my mother’s labor union, the 1199 hospital workers. Given the economic devastation visited on many American households, both during the lockdown and the still-unhealed 2008 recession, I do not consider our story exceptional. This sense of need is, quite simply, what got me on the scent trail of practical metaphysics. There is, of course, a strong mind-metaphysics component to Think and Grow Rich. But critics or passersby rarely realize that Hill’s program is also, and above all, one of action. Anyone who begins his book without that commitment will almost certainly not finish it. (Commonplace critical comparisons between Think and Grow Rich and The Secret reveal an observer’s lack of familiarity with either.) In various books and articles, I have noted my refusal to regard inspirational figures—even those, like Hill, whose work has touched me—as agreeable cyphers devoid of ethical failures, corruption, or weaknesses. Sycophancy does not honor the memories of people whose work we admire. Indeed, artists, writers, and activists—no less motivational figures—cannot be maturely understood from either the hagiographic haze of semi-worshippers (or franchisees) nor the vitriol of cultural detractors. I reject both approaches in considering Hill’s life. Oliver Napoleon Hill was born October 26, 1883, in a cabin in the Appalachian town of Pound in southwest Virginia. His mother died when he was nine. By the turn of the century, Hill began writing newspaper stories and embarked on a checkered career in business as both a “man Friday” and entrepreneur. In Hill’s autobiographical writings, he displays a repugnant lack of moral feeling as a young man by helping local businessmen conceal the 1902 killing of a black bellhop in Richlands, Virginia. Less than ten years before, the southwestern town was the site of a lynching of five black railroad workers. The bellman died after a drunken bank cashier—an employee of Hill’s boss Rufus Ayers, Virginia’s former attorney general—dropped a loaded revolver, which went off, killing the attendant. Nineteen-year-old Hill sprang into action as the consummate fixer, coaxing local authorities to label the criminally negligent death as “accidental,” he wrote, and getting the victim quickly buried. Ayers rewarded Hill by naming him manager of an area coal mine—the youngest such manager in the nation, Hill proudly reckoned.* This incident reflected the troubling pattern of Hill’s life: he identified with power so fully that he almost never questioned the decency, ethics, and general outlook of the man in the corner office (or, for that matter, of himself). Nowhere in Hill’s accounts of high climbers is there any countervailing consideration of cunning, ruthlessness, or amorality—or of the kind of corrupt obsequiousness that Hill displayed in Richlands. Nor did Hill seem over-troubled by truthfulness when in 1914 he falsely claimed on his personal stationary to be a lawyer; he attended no law school. It was not an isolated episode. In 1918, state authorities in Illinois accused the educational entrepreneur of fraudulently inflating the valuation of his Chicago success school to prospective investors.* In a disturbing pattern of his early business record, Hill darted among experiences where either he or those around him were accused of fraud or malfeasance.** These episodes played out during periods when the writer claimed, without evidence, to have advised presidents Woodrow Wilson and Franklin Roosevelt. Hill’s interest in the “philosophy of success” seems to have emerged around 1908 while working as a reporter, including for Bob Taylor’s Magazine. It was an inspirational and general-interest monthly published by the former governor of Tennessee who continued his enterprise as a U.S. senator. As publisher, Taylor favored up-by-the-bootstraps life stories of business leaders. Through Taylor’s connections, Hill was able to score the ultimate “get”: an interview with steel magnate Andrew Carnegie. Or so he said. Hill described his encounter with Carnegie—“the richest man that the richest nation on earth ever produced,” as he wrote in 1945 in The MasterKey to Riches—in terms that brought to mind Moses receiving the tablets on Mount Sinai. During their interview, Hill said, the industrialist gave him marching orders to codify a philosophy of success, which formed the basis for Hill’s 1928 book The Law of Success and the wealth-building classic that followed nine years later, Think and Grow Rich. Whatever impression Hill may have left on Carnegie, the industrialist made no mention of the younger man in his writings. Nor did Hill begin making references to their fateful meeting until nearly a decade after Carnegie’s death in 1919, a story he related with greater drama and vividness as the years passed. (I must also note that the “tributes to the author from great American leaders” at the front of Think and Grow Rich are all from figures deceased by its 1937 publication.) Critics question whether the Carnegie encounter occurred at all. I am agnostic on the matter. Bob Taylor’s Magazine featured how-I-did-it stories of millionaires—a staple of the day’s popular literature—and the job (and Taylor’s position) could have facilitated contact between journalist and subject. In December 1908, under his birthname Oliver Napoleon Hill—one of the last times he used that byline—Hill produced for Taylor a regional essay on “Mobile and Southern Alabama,” accompanied by an author photo of the bow-tied writer. No interview with Carnegie ever appeared, nor have I found further bylines for Hill in the magazine. In any case, Carnegie’s memoirs do paint the image of a man who enjoyed discussing the metaphysics of success. In his autobiography, published posthumously in 1920, Carnegie recalls that as an adolescent he “became deeply interested in the mysterious doctrines of Swedenborg,” the eighteenth century scientist-mystic. A Spiritualist aunt encouraged the young Carnegie to develop his psychical talents, or “ability to expound ‘spiritual sense’.” Indeed, the industrialist was eager to be taken seriously as an author and reveled in probing whether there exist natural laws of money and accumulation. In June 1889, Carnegie published an essay “Wealth” for the North American Review, which might have been forgotten if not for its nearimmediate republication by England’s evening newspaper The Pall Mall Gazette under the more alluring title by which it won fame: “The Gospel of Wealth.” Taking a leaf from the neo-Darwinian views of philosopher Herbert Spencer, Carnegie described a “law of competition,” which he believed brought a rough, necessary order to the world: While the law may be sometimes hard to the individual, it is best for the race, because it ensures the survival of the fittest in every department. We accept and welcome, therefore, as conditions to which we must accommodate ourselves, great inequality of environment, the concentration of business, industrial and commercial, in the hands of a few, and the law of competition between these, as being not only beneficial but essential for the future progress of the race. Although contemporaneous success authors such as Ralph Waldo Trine and Wallace D. Wattles extolled creativity above competition, Carnegie welcomed “laws of accumulation” as a necessary means of separating life’s winners from losers. At his steel mills, the magnate sometimes backed his belief through ruthless and, by way of surrogates and business partners, brutal labor practices. Seven of his workers were killed by Pinkerton guards during the Homestead Strike of 1892. Yet Carnegie’s wealth essay contained a surprising wrinkle. He emphasized that great fortunes—which he saw emergent chiefly from production of raw materials, real estate, utilities, and inventions (the manufacturer disdained financial speculation)—are the product of the community. And should ultimately be returned to it. Wealth, Carnegie argued, is amassed as a passive result of an industrialist or investor benefiting from mass shifts in demography, migration, and public need. The world’s reputedly richest man wrote that riches should be restored to the public rather than passed down through generations of family inheritance. But in a sentiment that won jeers from contemporaneous radicals and reformers, Carnegie counseled that millionaires should electively dispense their money in acts of philanthropy during their lifetimes. He considered this disbursement the legitimate culmination of success, arguing that monopolistic capitalism must be leavened by voluntary largesse. The multimillionaire’s sense of volunteerism had limits, however: should the rich not find ways to disperse their fortunes through philanthropy during their lifetimes, Carnegie called for a nearly 100 percent estate tax to settle the matter for them. Whether one agrees with Carnegie on every point—and I do not—it is worth noting that he followed through on his statements with wide-ranging acts of structured philanthropy. In so doing, the industrialist helped presage the nonprofit field as it exists today. It is this outlook—not the imaginary dialogues with Carnegie that Hill ploddingly devised in his 1948 Think Your Way to Wealth—that reflects the authentic Carnegie philosophy, at least as publicly stated. Carnegie’s counsel is for each individual to assess, but of one point he leaves no doubt—and it would’ve made him few friends among tech magnates of our era: great fortunes accrue not primarily due to the ability of their holders but to ancillary events and circumstances that emerge from public need and growth. Back to Hill’s version of events. As he tells it, at their 1908 meeting, the fetching reporter questioned Carnegie about his success-building secrets. The manufacturer urged Hill to speak with other captains of commerce to determine whether a definable set of steps led to their accomplishments. Carnegie offered to open doors for Hill. Hill writes that he spent the next twenty years studying and interviewing businessmen, diplomats, generals, inventors, and other high achievers in an effort to map out their shared principles. He finally named seventeen traits (distilled to thirteen in Think and Grow Rich) that these outliers seemed to share.* They included concentrating your energies on one definite major aim; doing more work than you are paid for; cultivating intuition, or a sixth sense; showing persistence; reprogramming your thoughts through autosuggestion; practicing tolerance of opinion; gaining specialized knowledge; and convening around you a collaborative Master Mind group, whose members could blend their mental energies and ideas. As alluded, Hill’s books never attracted critical attention other than to be dismissed or waved aside for shallow vulgarity. Indeed, New Thought and self-help literature became a category of book that went mostly unread by its detractors. But Hill was often subtler, shrewder, and surer in his understanding of human nature than many scoffers supposed. I have written critically of Hill the man. But let me be clear— contradictions be damned—about the quality of Hill’s program of achievement: it is, in my experience as a writer, publisher, and seeker, the finest that has emerged from the motivational field. Whatever the source of Hill’s inspiration, it is evident that the writer spent something like the twenty years claimed studying the lives of high achievers of all types—inventors, generals, diplomats, artists, statesmen— and cataloged their common traits into a step-by-step program. Hill was certain (as are many of his readers) that he created a model of what exceptional people do when translating an idea from conceptual to actual. I must add, crucially, that his written program is not one of trickery but of clean ledgers, ethical practices, and plain dealing. I have written disdainfully of popular books, such as The 48 Laws of Power, that counsel otherwise. Can one finally distinguish between author and output? I have come to regard Hill in a similar vein to Carlos Castaneda (1925–1998), the selfmade chronicler of indigenous North American magick: although his biography and encounters may be large parts fiction, Castaneda, like Hill, produced writing and insights that retain their hold on posterity due not to gullibility of audience but depth of insight. Critiques of Hill—while valid to varying degrees—are mitigated by the remarkable effectiveness of his program. Wells either slake thirst or get abandoned. Hill’s career matters because of his work as a writer. In that vein, let me highlight several of the most impactful themes of his outlook: 1. A Definite Chief Aim. If a reader opts to select one idea from Hill’s work, this should be it. In my experience, nothing does more to productively reorder your life than one penetrating, actionable, and obsessively felt aim to which all else is subordinated. The urge to this kind of exclusivity understandably evokes argument and pushback. Life places many demands on us—don’t we need to meet each on its own terms? There is validity in that objection. But I consider it a tough truth of life that unitary focus affords the greatest likelihood of arrival. Think of your heroes. Whatever their myriad and private traits, they are known for one core dedication. To clarify such an aim requires radical selfhonesty. I should note that one well selected goal can cover many different bases and concerns in life. 2. Reciprocity. As noted, Hill’s written program is ethical: he emphasizes transparency, non-prejudice, and delivering clear benefits to your end user, client, or employer. He stresses how gossip, trash-talk, and frivolous opining degrade you and deter your goals. As I’ve often written, people have no idea the extent to which they degrade their sense of self-respect by indulging in meaningless vitriol; the shame one feels—or sublimates—is coped with by throwing another stone, creating an endless loop. Nothing will make you stand taller more quickly than desistance from the perverse and fleeting thrill of gossip, smears, and lowbrow sarcasm. 3. Applied Faith. I once defined faith as persistence; but Hill’s work has taught me that faith is persistence combined with warranted confidence that you will, in some fashion, succeed based on immutable laws of effort and growth, which his program helps you identify. Rather than engage in toothless “wishful thinking,” most people, in fact, grossly underestimate their abilities and hesitate to exercise them. Absent extreme countervailing measures—which, it must be noted, do exist— persistence avails some form of personal deliverance. 4. Overcoming Procrastination and Fear. These two traits are the same. Learning to control one controls the other. For practical purposes, begin your effort with overcoming procrastination, which is task-specific and thus easier to work on than fear in general. If procrastination proves an unyielding barrier, it may indicate that you’re pursuing the wrong aim or one for which you’re emotionally mismatched. 5. Leadership. Hill defines leadership as initiative: doing what’s necessary without being told. You cannot claim leadership or have it bestowed on you. It is a form of behavior that stems from accountability and know-how. A real leader asks no one to do a task that he or she wouldn’t—or is afraid to. Anyone else is just a boss. 6. The Master Mind. A Master Mind is a harmonious support group of two or more people convened at least weekly to support each member’s wishes. Hill taught that such a group pools and heightens each participant’s insights, intuition, enthusiasm, and acumen. It is vital to his program. 7. Sex Transmutation. In a note resounding in esoteric spiritual traditions from Tantra and Kabbalah to Gnosticism and Hermeticism, Hill taught that sexual desire is the force of life seeking expression. When you place the sexual urge at the back of your efforts, he wrote, you heighten your abilities and insights. His formula is simple: upon feeling sexual desire mentally shift your attention away from physical satisfaction and toward the achievement of a vital task. Do this at times of your own choosing. Does it work? Yes, in my experience. 8. Rebounding from Failure. Rather than impeding growth, obstacles often facilitate it. Setbacks and failures frequently impel refining plans, abilities, ideas, and relationships. Without opposition we would remain mental and emotional children. Search every failure for commensurate seeds of compensation. Are there assholes in your life? If you cannot get away from them determine, at least for the time being, to use their provocations as inducements to refinement. 9. Cosmic Habit Force. Generative habits and natural rotations, Hill writes, like orbital movement of celestial objects, changing of seasons, and cycles of birth and death, are the dynamic through which physicality maintains itself. This comports with ideas found in Taoism and Transcendentalism. When you dwell within the right personal habits and environment, Hill teaches, you merge, like a twig carried downstream, with waves or cycles of regenerative power and development. Hill writes alluringly of a “secret” that runs throughout Think and Grow Rich. This secret, he says, appears at least once in every chapter and no less than one hundred times throughout the book. But he does not specifically name it. Hill writes that it is more beneficial for you to arrive at the secret yourself. Some readers, he says, grasp it almost immediately. For others, it takes multiple readings. Sometimes, right in the midst of a chapter, the secret may flash into your mind, he explains. I have previously written that the secret of Think and Grow Rich can be put this way: “Emotionalized thought directed toward one passionately held aim—aided by organized planning and the Master Mind—is the root of all accomplishment.” I stand by that. But a more basic conception of Hill’s secret, comporting with the last point mentioned, occurred to me during this writing: the “secret” of Think and Grow Rich is to place yourself within the overall scheme of creation, obeying natural laws that inevitably and invariably beget growth, expansion, and renewal. Each step in Hill’s work is designed to bring you into natural alignment with your surroundings. Once you are in this alignment and function within its flow—toward growth, utility, and regeneration—laws of creation appear at your back. You become like the seedling that eventually bursts through the soil. All of nature facilitates this. Unlike the seedling or twig, however, a sentient being can consciously and selectively labor. Indeed, these laws possess greater potential for an aware being than for the seedling because they not only aid expansion but also allow for dramatic re-creation of self. In that vein, I want to quote what I consider one of the most important passages from Think and Grow Rich. It appears in the chapter on “Imagination” and directly pertains to what I’ve been referencing: You are now engaged in the task of trying to profit by Nature’s method. You are (sincerely and earnestly, we hope), trying to adapt yourself to Nature’s laws, by endeavoring to convert DESIRE into its physical or monetary equivalent. YOU CAN DO IT! IT HAS BEEN DONE BEFORE! You can build a fortune through the aid of laws which are immutable. But, first, you must become familiar with these laws, and learn to USE them. Through repetition, and by approaching the description of these principles from every conceivable angle, the author hopes to reveal to you the secret through which every great fortune has been accumulated. Strange and paradoxical as it may seem, the “secret” is NOT A SECRET. Nature, herself, advertises it in the earth on which we live, the stars, the planets suspended within our view, in the elements above and around us, in every blade of grass, and every form of life within our vision. Nature advertises this “secret” in the terms of biology, in the conversion of a tiny cell, so small that it may be lost on the point of a pin, into the HUMAN BEING now reading this line. The conversion of desire into its physical equivalent is, certainly, no more miraculous! As Hill conveys, you can derive warranted confidence, realistic faith, renewed sense of self, and authentic help by placing yourself within the cyclical scheme of nature or creation. After reading Hill and following his steps, I venture that you will approach your work (which is often the deepest part of a person’s life, whether or not acknowledged) more effectively, fully, and successfully. By committing yourself to the ideas in Think and Grow Rich you will experience progressive change. This is my own critical testimony. I also recognize that Hill’s sometimes overwrought language, gee-whiz tone, outdated cultural references, ready use of spiritual metaphors, and even his title strike some readers as lowbrow, vulgar or gauche. I recognize that not every one of us feels at ease being judged by friends or peers for reading such literature. My advice: get over it. Ersatz seriousness is the greatest impediment to individual experiment and development. Most peer judgments are little more than personal taste informed by image-maintenance and the wish for security. If I’ve conveyed any sense that Think and Grow Rich may hold something for you, let no psychologized excuses deter you. I finally want to close with a word of exceedingly—and deceptively— simple advice that Hill delivered in a transcribed but undated and unpublished talk. His statement touches, indirectly but penetratingly, on everything I’ve tried to get across: “Avoid persons and circumstances which make you feel inferior.” Live with that for six months. See what occurs. This Maple Spring edition of Think and Grow Rich reproduces Hill’s text largely as it appeared in 1937, inclusive of his word choices and grammar. This edition also includes several appendices that expand on some of Hill’s key ideas: Appendix A: Napoleon Hill’s Seventeen Laws of Success; Appendix B: A Prayer for True Prosperity; Appendix C: Genius and Sex Transmutation; and Appendix D: Forming Your Master Mind Group. It is my hope that they provide a clarifying adjunct to Hill’s landmark text. * A reissue edition of Think and Grow Rich that I published in 2004, when the book was otherwise languishing on backlists, netted approximately a million copies, renewing Hill’s sales worldwide in myriad editions. * The story of Hill covering up the bellhop’s death is from A Lifetime of Riches: The Biography of Napoleon Hill by Michael J. Ritt Jr. and Kirk Landers (Dutton, 1995). The book is basically an authorized biography; it is to the authors’ credit that the episode is included at all. * “Two Warrants Out for Modest Napoleon Hill: ‘Carnegie of Educational World’ Accused of ‘Blue Sky’ Stuff,” Chicago Tribune, June 4, 1918. ** “The Untold Story of Napoleon Hill, the Greatest Self-Help Scammer of All Time” by Matt Novak, Gizmodo, December 6, 2016. Novak’s highly critical article is an important resource and cannot be discounted by any serious reader. That said, I have my criticisms of the piece. The writer displays intense interest in his subject for every reason but the one for which Hill is famous: his writing. Like journalist Albert Goldman in his “takedown” biographies of John Lennon and Elvis Presley, Novak appears so zealous to undo his subject’s reputation that a reader could easily believe (as many probably did aforethought) that such an author has nothing to offer. Novak’s research is laudable but his persistently caustic tone and frank unfamiliarity with Hill’s key book detracts from an otherwise significant historical investigation. E.g., Novak’s allegation that Rhonda Byrne’s The Secret “essentially plagiarized” Think and Grow Rich is patently absurd and revealing of an insouciant lack of attention to the contents of either book; likewise offkey is his claim that Norman Vincent Peale’s “ideas were borrowed heavily from Hill.” Indeed, in an earlier version of the article, Novak confused the title of Peale’s famous Power of Positive Thinking with an unrelated book by Hill and W. Clement Stone, Success Through a Positive Mental Attitude. New Thought has a long and diffuse history in America; Hill intersected with the philosophy considerably less than Byrne or Peale. These varying works, although nondescript to the ardent critic, are by no means interchangeable. * See Appendix A: “Napoleon Hill’s Seventeen Laws of Success.” What Do You Want Most? Is It Money, Fame, Power, Contentment, Personality, Peace of Mind, Happiness? The Thirteen Steps to Riches described in this book offer the shortest dependable philosophy of individual achievement ever presented for the benefit of the man or woman who is searching for a definite goal in life. Before beginning the book you will profit greatly if you recognize the fact that the book was not written to entertain. You cannot digest the contents properly in a week or a month. After reading the book thoroughly, Dr. Miller Reese Hutchison, nationally known Consulting Engineer and long-time associate of Thomas A. Edison, said: “This is not a novel. It is a textbook on individual achievement that came directly from the experiences of hundreds of America’s most successful men. It should be studied, digested, and meditated upon. No more than one chapter should be read in a single night. The reader should underline the sentences which impress him most. Later, he should go back to these marked lines and read them again. A real student will not merely read this book, he will absorb its contents and make them his own. This book should be adopted by all high schools and no boy or girl should be permitted to graduate without having satisfactorily passed an examination on it. This philosophy will not take the place of the subjects taught in schools, but it will enable one to organize and apply the knowledge acquired, and convert it into useful service and adequate compensation without waste of time.” Dr. John R. Turner, Dean of the College of The City of New York, after having read the book, said: “The very best example of the soundness of this philosophy is your own son, Blair, whose dramatic story you have outlined in the chapter on Desire.” Dr. Turner had reference to the author’s son, who, born without normal hearing capacity, not only avoided becoming a deaf mute, but actually converted his handicap into a priceless asset by applying the philosophy here described. THE MOST PROFITABLE WAY TO USE THIS BOOK After reading the story you will realize that you are about to come into possession of a philosophy which can be transmuted into material wealth, or serve as readily to bring you peace of mind, understanding, spiritual harmony, and in some instances, as in the case of the author’s son, it can help you master physical affliction. The author discovered, through personally analyzing hundreds of successful men, that all of them followed the habit of exchanging ideas, through what is commonly called conferences. When they had problems to be solved they sat down together and talked freely until they discovered, from their joint contribution of ideas, a plan that would serve their purpose. You, who read this book, will get most out of it by putting into practice the Master Mind principle described in the book. This you can do (as others are doing so successfully) by forming a study club, consisting of any desired number of people who are friendly and harmonious. The club should have a meeting at regular periods, as often as once each week. The procedure should consist of reading one chapter of the book at each meeting, after which the contents of the chapter should be freely discussed by all members. Each member should make notes, putting down ALL IDEAS OF HIS OWN inspired by the discussion. Each member should carefully read and analyze each chapter several days prior to its open reading and joint discussion in the club. The reading at the club should be done by someone who reads well and understands how to put color and feeling into the lines. You, who read this book, will get most out of it by putting into practice the Master Mind principle described in the book. By following this plan every reader will get from its pages, not only the sum total of the best knowledge organized from the experiences of hundreds of successful men, but more important by far, he will tap new sources of knowledge in his own mind as well as acquire knowledge of priceless value FROM EVERY OTHER PERSON PRESENT. If you follow this plan persistently you will be almost certain to uncover and appropriate the secret formula by which Andrew Carnegie acquired his huge fortune, as referred to in the author’s introduction. Tributes to the Author From Great American Leaders “Think and Grow Rich” was 25 years in the making. It is Napoleon Hill’s newest book, based upon his famous Law of Success Philosophy. His work and writings have been praised by great leaders in Finance, Education, Politics, Government. Dear Mr. Hill: I have now had an opportunity to finish reading your Law of Success textbooks and I wish to express my appreciation of the splendid work you have done in the organization of this philosophy. It would be helpful if every politician in the country would assimilate and apply the 17 principles upon which your lessons are based. It contains some very fine material which every leader in every walk of life should understand. I am happy to have had the privilege of rendering you some slight measure of help in the organization of this splendid course of “common sense” philosophy. Sincerely yours, William H. Taft (Former President and former Chief Justice of the United States) King of the 5 and 10 Cent Stores “By applying many of the 17 fundamentals of the Law of Success philosophy we have built a great chain of successful stores. I presume it would be no exaggeration of fact if I said that the Woolworth Building might properly be called a monument to the soundness of these principles.” —F. W. WOOLWORTH A Great Steamship Magnate “I feel greatly indebted for the privilege of reading your Law of Success. If I had had this philosophy fifty years ago, I suppose I could have accomplished all that I have done in less than half the time. I sincerely hope the world will discover and reward you.” —ROBERT DOLLAR Famous American Labor Leader “Mastery of the Law of Success philosophy is the equivalent of an insurance policy against failure.” —SAMUEL GOMPERS A Former President of the United States “May I not congratulate you on your persistence. Any man who devotes that much time … must of necessity make discoveries of great value to others. I am deeply impressed by your interpretation of the ‘Master Mind’ principles which you have so clearly described.” —WOODROW WILSON A Merchant Prince “I know that your 17 fundamentals of success are sound because I have been applying them in my business for more than 30 years.” —JOHN WANAMAKER World’s Largest Maker of Cameras “I know that you are doing a world of good with your Law of Success. I would not care to set a monetary value on this training because it brings to the student qualities which cannot be measured by money, alone.” —GEORGE EASTMAN A Nationally Known Business Chief “Whatever success I may have attained I owe, entirely, to the application of your 17 fundamental principles of the Law of Success. I believe I have the honor of being your first student.” —WM. WRIGLEY, JR. Publisher’s Preface THIS book conveys the experience of more than 500 men of great wealth, who began at scratch, with nothing to give in return for riches except THOUGHTS, IDEAS and ORGANIZED PLANS. Here you have the entire philosophy of moneymaking, just as it was organized from the actual achievements of the most successful men known to the American people during the past fifty years. It describes WHAT TO DO, also, HOW TO DO IT! It presents complete instructions on HOW TO SELL YOUR PERSONAL SERVICES. It provides you with a perfect system of self-analysis that will readily disclose what has been standing between you and “the big money” in the past. It describes the famous Andrew Carnegie formula of personal achievement by which he accumulated hundreds of millions of dollars for himself and made no fewer than a score of millionaires of men to whom he taught his secret. Perhaps you do not need all that is to be found in the book—not one of the 500 men from whose experiences it was written did—but you may need ONE IDEA, PLAN OR SUGGESTION to start you toward your goal. Somewhere in the book you will find this needed stimulus. The book was inspired by Andrew Carnegie, after he had made his millions and retired. It was written by the man to whom Carnegie disclosed the astounding secret of his riches—the same man to whom the 500 wealthy men revealed the source of their riches. Perhaps you do not need all that is to be found in the book— not one of the 500 men from whose experiences it was written did—but you may need ONE IDEA, PLAN OR SUGGESTION to start you toward your goal. In this volume will be found the thirteen principles of money-making essential to every person who accumulates sufficient money to guarantee financial independence. It is estimated that the research which went into the preparation, before the book was written, or could be written—research covering more than twenty-five years of continuous effort—could not be duplicated at a cost of less than $100,000.00. Moreover, the knowledge contained in the book never can be duplicated, at any cost, for the reason that more than half of the 500 men who supplied the information it brings have passed on. Riches cannot always be measured in money! Money and material things are essential for freedom of body and mind, but there are some who will feel that the greatest of all riches can be evaluated only in terms of lasting friendships, harmonious family relationships, sympathy and understanding between business associates, and introspective harmony which brings one peace of mind measurable only in spiritual values! All who read, understand and apply this philosophy will be better prepared to attract and enjoy these higher estates which always have been and always will be denied to all except those who are ready for them. Be prepared, therefore, when you expose yourself to the influence of this philosophy, to experience a CHANGED LIFE which may help you not only to negotiate your way through life with harmony and understanding, but also to prepare you for the accumulation of material riches in abundance. The Publisher. Author’s Preface In every chapter of this book, mention has been made of the money-making secret which has made fortunes for more than five hundred exceedingly wealthy men whom I have carefully analyzed over a long period of years. The secret was brought to my attention by Andrew Carnegie, more than a quarter of a century ago. The canny, lovable old Scotsman carelessly tossed it into my mind, when I was but a boy. Then he sat back in his chair, with a merry twinkle in his eyes, and watched carefully to see if I had brains enough to understand the full significance of what he had said to me. In every chapter of this book, mention has been made of the money-making secret which has made fortunes for more than five hundred exceedingly wealthy men whom I have carefully analyzed over a long period of years. When he saw that I had grasped the idea, he asked if I would be willing to spend twenty years or more, preparing myself to take it to the world, to men and women who, without the secret, might go through life as failures. I said I would, and with Mr. Carnegie’s cooperation, I have kept my promise. This book contains the secret, after having been put to a practical test by thousands of people, in almost every walk of life. It was Mr. Carnegie’s idea that the magic formula, which gave him a stupendous fortune, ought to be placed within reach of people who do not have time to investigate how men make money, and it was his hope that I might test and demonstrate the soundness of the formula through the experience of men and women in every calling. He believed the formula should be taught in all public schools and colleges, and expressed the opinion that if it were properly taught it would so revolutionize the entire educational system that the time spent in school could be reduced to less than half. His experience with Charles M. Schwab, and other young men of Mr. Schwab’s type, convinced Mr. Carnegie that much of that which is taught in the schools is of no value whatsoever in connection with the business of earning a living or accumulating riches. He had arrived at this decision, because he had taken into his business one young man after another, many of them with but little schooling, and by coaching them in the use of this formula, developed in them rare leadership. Moreover, his coaching made fortunes for every one of them who followed his instructions. In the chapter on Faith, you will read the astounding story of the organization of the giant United States Steel Corporation, as it was conceived and carried out by one of the young men through whom Mr. Carnegie proved that his formula will work for all who are ready for it. This single application of the secret, by that young man—Charles M. Schwab—made him a huge fortune in both money and OPPORTUNITY. Roughly speaking, this particular application of the formula was worth six hundred million dollars. These facts—and they are facts well known to almost everyone who knew Mr. Carnegie—give you a fair idea of what the reading of this book may bring to you, provided you KNOW WHAT IT IS THAT YOU WANT. Even before it had undergone twenty years of practical testing, the secret was passed on to more than one hundred thousand men and women who have used it for their personal benefit, as Mr. Carnegie planned that they should. Some have made fortunes with it. Others have used it successfully in creating harmony in their homes. A clergyman used it so effectively that it brought him an income of upwards of $75,000.00 a year. Arthur Nash, a Cincinnati tailor, used his near-bankrupt business as a “guinea pig” on which to test the formula. The business came to life and made a fortune for its owners. It is still thriving, although Mr. Nash has gone. The experiment was so unique that newspapers and magazines, gave it more than a million dollars’ worth of laudatory publicity. The secret was passed on to Stuart Austin Wier, of Dallas, Texas. He was ready for it—so ready that he gave up his profession and studied law. Did he succeed? That story is told too. I gave the secret to Jennings Randolph, the day he graduated from College, and he has used it so successfully that he is now serving his third term as a Member of Congress, with an excellent opportunity to keep on using it until it carries him to the White House. While serving as Advertising Manager of the LaSalle Extension University, when it was little more than a name, I had the privilege of seeing J. G. Chapline, President of the University, use the formula so effectively that he has since made the LaSalle one of the great extension schools of the country. The secret to which I refer has been mentioned no fewer than a hundred times, throughout this book. It has not been directly named, for it seems to work more successfully when it is merely uncovered and left in sight, where THOSE WHO ARE READY, and SEARCHING FOR IT, may pick it up. That is why Mr. Carnegie tossed it to me so quietly, without giving me its specific name. If you are READY to put it to use, you will recognize this secret at least once in every chapter. I wish I might feel privileged to tell you how you will know if you are ready, but that would deprive you of much of the benefit you will receive when you make the discovery in your own way. If you are READY to put it to use, you will recognize this secret at least once in every chapter. While this book was being written, my own son, who was then finishing the last year of his college work, picked up the manuscript of chapter two, read it, and discovered the secret for himself. He used the information so effectively that he went directly into a responsible position at a beginning salary greater than the average man ever earns. His story has been briefly described in chapter two. When you read it, perhaps you will dismiss any feeling you may have had, at the beginning of the book, that it promised too much. And, too, if you have ever been discouraged, if you have had difficulties to surmount which took the very soul out of you, if you have tried and failed, if you were ever handicapped by illness or physical affliction, this story of my son’s discovery and use of the Carnegie formula may prove to be the oasis in the Desert of Lost Hope, for which you have been searching. This secret was extensively used by President Woodrow Wilson, during the World War. It was passed on to every soldier who fought in the war, carefully wrapped in the training received before going to the front. President Wilson told me it was a strong factor in raising the funds needed for the war. More than twenty years ago, Hon. Manuel L. Quezon (then Resident Commissioner of the Philippine Islands), was inspired by the secret to gain freedom for his people. He has gained freedom for the Philippines, and is the first President of the free state. A peculiar thing about this secret is that those who once acquire it and use it, find themselves literally swept on to success, with but little effort, and they never again submit to failure! If you doubt this, study the names of those who have used it, wherever they have been mentioned, check their records for yourself, and be convinced. There is no such thing as SOMETHING FOR NOTHING! The secret to which I refer cannot be had without a price, although the price is far less than its value. It cannot be had at any price by those who are not intentionally searching for it. It cannot be given away, it cannot be purchased for money, for the reason that it comes in two parts. One part is already in possession of those who are ready for it. The secret serves equally well, all who are ready for it. Education has nothing to do with it. Long before I was born, the secret had found its way into the possession of Thomas A. Edison, and he used it so intelligently that he became the world’s leading inventor, although he had but three months of schooling. The secret was passed on to a business associate of Mr. Edison. He used it so effectively that, although he was then making only $12,000 a year, he accumulated a great fortune, and retired from active business while still a young man. You will find his story at the beginning of the first chapter. It should convince you that riches are not beyond your reach, that you can still be what you wish to be, that money, fame, recognition and happiness can be had by all who are ready and determined to have these blessings. How do I know these things? You should have the answer before you finish this book. You may find it in the very first chapter, or on the last page. While I was performing the twenty year task of research, which I had undertaken at Mr. Carnegie’s request, I analyzed hundreds of well known men, many of whom admitted that they had accumulated their vast fortunes through the aid of the Carnegie secret; among these men were: Henry Ford William Wrigley Jr. John Wanamaker James J. Hill George S. Parker E.M. Statler Henry L. Doherty Cyrus H.K. Curtis George Eastman Theodore Roosevelt John W. Davis Elbert Hubbard Wilbur Wright William Jennings Bryan Dr. David Starr Jordan J. Odgen Armour Charles M. Schwab Harris F. Williams Dr. Frank Gunsaulus Daniel Willard King Gillette Ralph A. Weeks Judge Daniel T. Wright John D. Rockefeller Thomas A. Edison Frank A. Vanderlip F.W. Woolworth Col. Robert A. Dollar Edward A. Filene Edwin C. Barnes Arthur Brisbane Woodrow Wilson Wm. Howard Taft Luther Burbank Edward W. Bok Frank A. Munsey Elbert H. Gary Dr. Alexander Graham Bell John H. Patterson Julius Rosenwald Stuart Austin Wier Dr. Frank Crane George M. Alexander J.G. Chapline Hon. Jennings Randolph Arthur Nash Clarence Darrow These names represent but a small fraction of the hundreds of well known Americans whose achievements, financially and otherwise, prove that those who understand and apply the Carnegie secret, reach high stations in life. I have never known anyone who was inspired to use the secret, who did not achieve noteworthy success in his chosen calling. I have never known any person to distinguish himself, or to accumulate riches of any consequence, without possession of the secret. From these two facts I draw the conclusion that the secret is more important, as a part of the knowledge essential for self-determination, than any which one receives through what is popularly known as “education.” What is EDUCATION, anyway? This has been answered in full detail. As far as schooling is concerned, many of these men had very little. John Wanamaker once told me that what little schooling he had, he acquired in very much the same manner as a modern locomotive takes on water, by “scooping it up as it runs.” Henry Ford never reached high school, let alone college. I am not attempting to minimize the value of schooling, but I am trying to express my earnest belief that those who master and apply the secret will reach high stations, accumulate riches, and bargain with life on their own terms, even if their schooling has been meager. Somewhere, as you read, the secret to which I refer will jump from the page and stand boldly before you, IF YOU ARE READY FOR IT! When it appears, you will recognize it. Whether you receive the sign in the first or the last chapter, stop for a moment when it presents itself, and turn down a glass, for that occasion will mark the most important turning-point of your life. We pass now, to Chapter One, and to the story of my very dear friend, who has generously acknowledged having seen the mystic sign, and whose business achievements are evidence enough that he turned down a glass. As you read his story, and the others, remember that they deal with the important problems of life, such as all men experience. The problems arising from one’s endeavor to earn a living, to find hope, courage, contentment and peace of mind; to accumulate riches and to enjoy freedom of body and spirit. Remember, too, as you go through the book, that it deals with facts and not with fiction, its purpose being to convey a great universal truth through which all who are READY may learn, not only WHAT TO DO, BUT ALSO HOW TO DO IT! and receive, as well, THE NEEDED STIMULUS TO MAKE A START. As a final word of preparation, before you begin the first chapter, may I offer one brief suggestion which may provide a clue by which the Carnegie secret may be recognized? It is this—ALL ACHIEVEMENT, ALL EARNED RICHES, HAVE THEIR BEGINNING IN AN IDEA! If you are ready for the secret, you already possess one half of it, therefore, you will readily recognize the other half the moment it reaches your mind. The Author ALL ACHIEVEMENT, ALL EARNED RICHES, HAVE THEIR BEGINNING IN AN IDEA! Chapter 1 General Introduction The Man Who “Thought” His Way Into Partnership with Thomas A. Edison Truly, “thoughts are things,” and powerful things at that, when they are mixed with definiteness of purpose, persistence, and a BURNING DESIRE for their translation into riches, or other material objects. A little more than thirty years ago, Edwin C. Barnes discovered how true it is that men really do THINK AND GROW RICH. His discovery did not come about at one sitting. It came little by little, beginning with a BURNING DESIRE to become a business associate of the great Edison. One of the chief characteristics of Barnes’ Desire was that it was definite. He wanted to work with Edison, not for him. Observe, carefully, the description of how he went about translating his DESIRE into reality, and you will have a better understanding of the thirteen principles which lead to riches. When this DESIRE, or impulse of thought, first flashed into his mind he was in no position to act upon it. Two difficulties stood in his way. He did not know Mr. Edison, and he did not have enough money to pay his railroad fare to Orange, New Jersey. These difficulties were sufficient to have discouraged the majority of men from making any attempt to carry out the desire. But his was no ordinary desire! He was so determined to find a way to carry out his desire that he finally decided to travel by “blind baggage,” rather than be defeated. (To the uninitiated, this means that he went to East Orange on a freight train). He presented himself at Mr. Edison’s laboratory, and announced he had come to go into business with the inventor. In speaking of the first meeting between Barnes and Edison, years later, Mr. Edison said, “He stood there before me, looking like an ordinary tramp, but there was something in the expression of his face which conveyed the impression that he was determined to get what he had come after. I had learned, from years of experience with men, that when a man really DESIRES a thing so deeply that he is willing to stake his entire future on a single turn of the wheel in order to get it, he is sure to win. I gave him the opportunity he asked for, because I saw he had made up his mind to stand by until he succeeded. Subsequent events proved that no mistake was made.” Just what young Barnes said to Mr. Edison on that occasion was far less important than that which he thought. Edison, himself, said so! It could not have been the young man’s appearance which got him his start in the Edison office, for that was definitely against him. It was what he THOUGHT that counted. If the significance of this statement could be conveyed to every person who reads it, there would be no need for the remainder of this book. Barnes did not get his partnership with Edison on his first interview. He did get a chance to work in the Edison offices, at a very nominal wage, doing work that was unimportant to Edison, but most important to Barnes, because it gave him an opportunity to display his “merchandise” where his intended “partner” could see it. Months went by. Apparently nothing happened to bring the coveted goal which Barnes had set up in his mind as his DEFINITE MAJOR PURPOSE. But something important was happening in Barnes’ mind. He was constantly intensifying his DESIRE to become the business associate of Edison. Psychologists have correctly said that “when one is truly ready for a thing, it puts in its appearance.” Barnes was ready for a business association with Edison, moreover, he was DETERMINED TO REMAIN READY UNTIL HE GOT THAT WHICH HE WAS SEEKING. He did not say to himself, “Ah well, what’s the use? I guess I’ll change my mind and try for a salesman’s job.” But, he did say, “I came here to go into business with Edison, and I’ll accomplish this end if it takes the remainder of my life.” He meant it! What a different story men would have to tell if only they would adopt a DEFINITE PURPOSE, and stand by that purpose until it had time to become an all-consuming obsession! What a different story men would have to tell if only they would adopt a DEFINITE PURPOSE, and stand by that purpose until it had time to become an all-consuming obsession! Maybe young Barnes did not know it at the time, but his bulldog determination, his persistence in standing back of a single DESIRE, was destined to mow down all opposition, and bring him the opportunity he was seeking. When the opportunity came, it appeared in a different form, and from a different direction than Barnes had expected. That is one of the tricks of opportunity. It has a sly habit of slipping in by the back door, and often it comes disguised in the form of misfortune, or temporary defeat. Perhaps this is why so many fail to recognize opportunity. That is one of the tricks of opportunity. It has a sly habit of slipping in by the back door, and often it comes disguised in the form of misfortune, or temporary defeat. Mr. Edison had just perfected a new office device, known at that time, as the Edison Dictating Machine (now the Ediphone). His salesmen were not enthusiastic over the machine. They did not believe it could be sold without great effort. Barnes saw his opportunity. It had crawled in quietly, hidden in a queer looking machine which interested no one but Barnes and the inventor. Barnes knew he could sell the Edison Dictating Machine. He suggested this to Edison, and promptly got his chance. He did sell the machine. In fact, he sold it so successfully that Edison gave him a contract to distribute and market it all over the nation. Out of that business association grew the slogan, “Made by Edison and installed by Barnes.” The business alliance has been in operation for more than thirty years. Out of it Barnes has made himself rich in money, but he has done something infinitely greater, he has proved that one really may “Think and Grow Rich.” How much actual cash that original DESIRE of Barnes’ has been worth to him, I have no way of knowing. Perhaps it has brought him two or three million dollars, but the amount, whatever it is, becomes insignificant when compared with the greater asset he acquired in the form of definite knowledge that an intangible impulse of thought can be transmuted into its physical counterpart by the application of known principles. Barnes literally thought himself into a partnership with the great Edison! He thought himself into a fortune. He had nothing to start with, except the capacity to KNOW WHAT HE WANTED, AND THE DETERMINATION TO STAND BY THAT DESIRE UNTIL HE REALIZED IT. He had no money to begin with. He had but little education. He had no influence. But he did have initiative, faith, and the will to win. With these intangible forces he made himself number one man with the greatest inventor who ever lived. Now, let us look at a different situation, and study a man who had plenty of tangible evidence of riches, but lost it, because he stopped three feet short of the goal he was seeking. THREE FEET FROM GOLD One of the most common causes of failure is the habit of quitting when one is overtaken by temporary defeat. Every person is guilty of this mistake at one time or another. An uncle of R. U. Darby was caught by the “gold fever” in the gold-rush days, and went west to DIG AND GROW RICH. He had never heard that more gold has been mined from the brains of men than has ever been taken from the earth. He staked a claim and went to work with pick and shovel. The going was hard, but his lust for gold was definite. After weeks of labor, he was rewarded by the discovery of the shining ore. He needed machinery to bring the ore to the surface. Quietly, he covered up the mine, retraced his footsteps to his home in Williamsburg, Maryland, told his relatives and a few neighbors of the “strike.” They got together money for the needed machinery, had it shipped. The uncle and Darby went back to work the mine. The first car of ore was mined, and shipped to a smelter. The returns proved they had one of the richest mines in Colorado! A few more cars of that ore would clear the debts. Then would come the big killing in profits. Down went the drills! Up went the hopes of Darby and Uncle! Then something happened! The vein of gold ore disappeared! They had come to the end of the rainbow, and the pot of gold was no longer there! They drilled on, desperately trying to pick up the vein again—all to no avail. Finally, they decided to QUIT. They sold the machinery to a junk man for a few hundred dollars, and took the train back home. Some “junk” men are dumb, but not this one! He called in a mining engineer to look at the mine and do a little calculating. The engineer advised that the project had failed, because the owners were not familiar with “fault lines.” His calculations showed that the vein would be found JUST THREE FEET FROM WHERE THE DARBYS HAD STOPPED DRILLING! That is exactly where it was found! The “Junk” man took millions of dollars in ore from the mine, because he knew enough to seek expert counsel before giving up. Most of the money which went into the machinery was procured through the efforts of R. U. Darby, who was then a very young man. The money came from his relatives and neighbors, because of their faith in him. He paid back every dollar of it, although he was years in doing so. Long afterward, Mr. Darby recouped his loss many times over, when he made the discovery that DESIRE can be transmuted into gold. The discovery came after he went into the business of selling life insurance. Remembering that he lost a huge fortune, because he STOPPED three feet from gold, Darby profited by the experience in his chosen work, by the simple method of saying to himself, “I stopped three feet from gold, but I will never stop because men say ‘no’ when I ask them to buy insurance.” Darby is one of a small group of fewer than fifty men who sell more than a million dollars in life insurance annually. He owes his “stickability” to the lesson he learned from his “quitability” in the gold mining business. Before success comes in any man’s life, he is sure to meet with much temporary defeat, and, perhaps, some failure. When defeat overtakes a man, the easiest and most logical thing to do is to QUIT. That is exactly what the majority of men do. More than five hundred of the most successful men this country has ever known, told the author their greatest success came just one step beyond the point at which defeat had overtaken them. Failure is a trickster with a keen sense of irony and cunning. It takes great delight in tripping one when success is almost within reach. Before success comes in any man’s life, he is sure to meet with much temporary defeat, and, perhaps, some failure. A FIFTY CENT LESSON IN PERSISTENCE Shortly after Mr. Darby received his degree from the “University of Hard Knocks,” and had decided to profit by his experience in the gold mining business, he had the good fortune to be present on an occasion that proved to him that “No” does not necessarily mean no. One afternoon he was helping his uncle grind wheat in an old fashioned mill. The uncle operated a large farm on which a number of colored sharecrop farmers lived. Quietly, the door was opened, and a small colored child, the daughter of a tenant, walked in and took her place near the door. The uncle looked up, saw the child, and barked at her roughly, “What do you want?” Meekly, the child replied, “My mammy say send her fifty cents.” “I’ll not do it,” the uncle retorted, “Now you run on home.” “Yas sah,” the child replied. But she did not move. The uncle went ahead with his work, so busily engaged that he did not pay enough attention to the child to observe that she did not leave. When he looked up and saw her still standing there, he yelled at her, “I told you to go on home! Now go, or I’ll take a switch to you.” The little girl said “yas sah,” but she did not budge an inch. The uncle dropped a sack of grain he was about to pour into the mill hopper, picked up a barrel stave, and started toward the child with an expression on his face that indicated trouble. Darby held his breath. He was certain he was about to witness a murder. He knew his uncle had a fierce temper. He knew that colored children were not supposed to defy white people in that part of the country. When the uncle reached the spot where the child was standing, she quickly stepped forward one step, looked up into his eyes, and screamed at the top of her shrill voice, “MY MAMMY’S GOTTA HAVE THAT FIFTY CENTS!” The uncle stopped, looked at her for a minute, then slowly laid the barrel stave on the floor, put his hand in his pocket, took out half a dollar, and gave it to her. The child took the money and slowly backed toward the door, never taking her eyes off the man whom she had just conquered. After she had gone, the uncle sat down on a box and looked out the window into space for more than ten minutes. He was pondering, with awe, over the whipping he had just taken. Mr. Darby, too, was doing some thinking. That was the first time in all his experience that he had seen a colored child deliberately master an adult white person. How did she do it. What happened to his uncle that caused him to lose his fierceness and become as docile as a lamb? What strange power did this child use that made her master over her superior? These and other similar questions flashed into Darby’s mind, but he did not find the answer until years later, when he told me the story. Strangely, the story of this unusual experience was told to the author in the old mill, on the very spot where the uncle took his whipping. Strangely, too, I had devoted nearly a quarter of a century to the study of the power which enabled an ignorant, illiterate colored child to conquer an intelligent man. As we stood there in that musty old mill, Mr. Darby repeated the story of the unusual conquest, and finished by asking, “What can you make of it? What strange power did that child use, that so completely whipped my uncle?” The answer to his question will be found in the principles described in this book. The answer is full and complete. It contains details and instructions sufficient to enable anyone to understand, and apply the same force which the little child accidentally stumbled upon. Keep your mind alert, and you will observe exactly what strange power came to the rescue of the child, you will catch a glimpse of this power in the next chapter. Somewhere in the book you will find an idea that will quicken your receptive powers, and place at your command, for your own benefit, this same irresistible power. The awareness of this power may come to you in the first chapter, or it may flash into your mind in some subsequent chapter. It may come in the form of a single idea. Or, it may come in the nature of a plan, or a purpose. Again, it may cause you to go back into your past experiences of failure or defeat, and bring to the surface some lesson by which you can regain all that you lost through defeat. After I had described to Mr. Darby the power unwittingly used by the little colored child, he quickly retraced his thirty years of experience as a life insurance salesman, and frankly acknowledged that his success in that field was due, in no small degree, to the lesson he had learned from the child. Mr. Darby pointed out: “Every time a prospect tried to bow me out, without buying, I saw that child standing there in the old mill, her big eyes glaring in defiance, and I said to myself, ‘I’ve gotta make this sale.’ The better portion of all sales I have made, were made after people had said ‘NO’.” He recalled, too, his mistake in having stopped only three feet from gold, “But,” he said, “That experience was a blessing in disguise. It taught me to keep on keeping on, no matter how hard the going may be, a lesson I needed to learn before I could succeed in anything.” This story of Mr. Darby and his uncle, the colored child and the gold mine, doubtless will be read by hundreds of men who make their living by selling life insurance, and to all of these, the author wishes to offer the suggestion that Darby owes to these two experiences his ability to sell more than a million dollars of life insurance every year. Life is strange, and often imponderable! Both the successes and the failures have their roots in simple experiences. Mr. Darby’s experiences were common-place and simple enough, yet they held the answer to his destiny in life, therefore they were as important (to him) as life itself. He profited by these two dramatic experiences, because he analyzed them, and found the lesson they taught. But what of the man who has neither the time, nor the inclination to study failure in search of knowledge that may lead to success? Where, and how is he to learn the art of converting defeat into stepping stones to opportunity? In answer to these questions, this book was written. The answer called for a description of thirteen principles, but remember, as you read, the answer you may be seeking, to the questions which have caused you to ponder over the strangeness of life, may be found in your own mind, through some idea, plan, or purpose which may spring into your mind as you read. One sound idea is all that one needs to achieve success. The principles described in this book, contain the best, and the most practical of all that is known, concerning ways and means of creating useful ideas. Before we go any further in our approach to the description of these principles, we believe you are entitled to receive this important suggestion. … WHEN RICHES BEGIN TO COME THEY COME SO QUICKLY, IN SUCH GREAT ABUNDANCE, THAT ONE WONDERS WHERE THEY HAVE BEEN HIDING DURING ALL THOSE LEAN YEARS. This is an astounding statement, and all the more so, when we take into consideration the popular belief, that riches come only to those who work hard and long. When you begin to THINK AND GROW RICH, you will observe that riches begin with a state of mind, with definiteness of purpose, with little or no hard work. You, and every other person, ought to be interested in knowing how to acquire that state of mind which will attract riches. I spent twentyfive years in research, analyzing more than 25,000 people, because I, too, wanted to know “how wealthy men become that way.” Without that research, this book could not have been written. Here take notice of a very significant truth, viz: The business depression started in 1929, and continued on to an all time record of destruction, until sometime after President Roosevelt entered office. Then the depression began to fade into nothingness. Just as an electrician in a theatre raises the lights so gradually that darkness is transmuted into light before you realize it, so did the spell of fear in the minds of the people gradually fade away and become faith. Observe very closely, as soon as you master the principles of this philosophy, and begin to follow the instructions for applying those principles, your financial status will begin to improve, and everything you touch will begin to transmute itself into an asset for your benefit. Impossible? Not at all! One of the main weaknesses of mankind is the average man’s familiarity with the word “impossible.” He knows all the rules which will NOT work. He knows all the things which CANNOT be done. This book was written for those who seek the rules which have made others successful, and are willing to stake everything on those rules. A great many years ago I purchased a fine dictionary. The first thing I did with it was to turn to the word “impossible,” and neatly clip it out of the book. That would not be an unwise thing for you to do. Success comes to those who become SUCCESS CONSCIOUS. Failure comes to those who indifferently allow themselves to become FAILURE CONSCIOUS. The object of this book is to help all who seek it, to learn the art of changing their minds from FAILURE CONSCIOUSNESS to SUCCESS CONSCIOUSNESS. Another weakness found in altogether too many people, is the habit of measuring everything, and everyone, by their own impressions and beliefs. Some who will read this, will believe that no one can THINK AND GROW RICH. They cannot think in terms of riches, because their thought habits have been steeped in poverty, want, misery, failure, and defeat. These unfortunate people remind me of a prominent Chinese, who came to America to be educated in American ways. He attended the University of Chicago. One day President Harper met this young Oriental on the campus, stopped to chat with him for a few minutes, and asked what had impressed him as being the most noticeable characteristic of the American people. “Why,” the Chinaman exclaimed, “the queer slant of your eyes. Your eyes are off slant!” What do we say about the Chinese? We refuse to believe that which we do not understand. We foolishly believe that our own limitations are the proper measure of limitations. Sure, the other fellow’s eyes are “off slant,” BECAUSE THEY ARE NOT THE SAME AS OUR OWN. Millions of people look at the achievements of Henry Ford, after he has arrived, and envy him, because of his good fortune, or luck, or genius, or whatever it is that they credit for Ford’s fortune. Perhaps one person in every hundred thousand knows the secret of Ford’s success, and those who do know are too modest, or too reluctant, to speak of it, because of its simplicity. A single transaction will illustrate the “secret” perfectly. A few years back, Ford decided to produce his now famous V-8 motor. He chose to build an engine with the entire eight cylinders cast in one block, and instructed his engineers to produce a design for the engine. The design was placed on paper, but the engineers agreed, to a man, that it was simply impossible to cast an eight cylinder gas engine block in one piece. Ford said, “Produce it anyway.” “But,” they replied, “it’s impossible!” “Go ahead,” Ford commanded, “and stay on the job until you succeed no matter how much time is required.” The engineers went ahead. There was nothing else for them to do, if they were to remain on the Ford staff. Six months went by, nothing happened. Another six months passed, and still nothing happened. The engineers tried every conceivable plan to carry out the orders, but the thing seemed out of the question; “Impossible!” At the end of the year Ford checked with his engineers, and again they informed him they had found no way to carry out his orders. “Go right ahead,” said Ford, “I want it, and I’ll have it.” They went ahead, and then, as if by a stroke of magic, the secret was discovered. The Ford DETERMINATION had won once more! This story may not be described with minute accuracy, but the sum and substance of it is correct. Deduce from it, you who wish to THINK AND GROW RICH, the secret of the Ford millions, if you can. You’ll not have to look very far. Henry Ford is a success, because he understands, and applies the principles of success. One of these is DESIRE: knowing what one wants. Remember this Ford story as you read, and pick out the lines in which the secret of his stupendous achievement have been described. If you can do this, if you can lay your finger on the particular group of principles which made Henry Ford rich, you can equal his achievements in almost any calling for which you are suited. YOU ARE “THE MASTER OF YOUR FATE, THE CAPTAIN OF YOUR SOUL,” BECAUSE … When Henley wrote the prophetic lines, “I am the Master of my Fate, I am the Captain of my Soul,” he should have informed us that we are the Masters of our Fate, the Captains of our Souls, because we have the power to control our thoughts. We are the Masters of our Fate, the Captains of our Souls, because we have the power to control our thoughts. He should have told us that the ether in which this little earth floats, in which we move and have our being, is a form of energy moving at an inconceivably high rate of vibration, and that the ether is filled with a form of universal power which ADAPTS itself to the nature of the thoughts we hold in our minds; and INFLUENCES us, in natural ways, to transmute our thoughts into their physical equivalent. If the poet had told us of this great truth, we would know WHY IT IS that we are the Masters of our Fate, the Captains of our Souls. He should have told us, with great emphasis, that this power makes no attempt to discriminate between destructive thoughts and constructive thoughts, that it will urge us to translate into physical reality thoughts of poverty, just as quickly as it will influence us to act upon thoughts of riches. He should have told us, too, that our brains become magnetized with the dominating thoughts which we hold in our minds, and, by means with which no man is familiar, these “magnets” attract to us the forces, the people, the circumstances of life which harmonize with the nature of our dominating thoughts. He should have told us, that before we can accumulate riches in great abundance, we must magnetize our minds with intense DESIRE for riches, that we must become “money conscious” until the DESIRE for money drives us to create definite plans for acquiring it. But, being a poet, and not a philosopher, Henley contented himself by stating a great truth in poetic form, leaving those who followed him to interpret the philosophical meaning of his lines. Little by little, the truth has unfolded itself, until it now appears certain that the principles described in this book, hold the secret of mastery over our economic fate. We are now ready to examine the first of these principles. Maintain a spirit of open-mindedness, and remember as you read, they are the invention of no one man. The principles were gathered from the life experiences of more than 500 men who actually accumulated riches in huge amounts; men who began in poverty, with but little education, without influence. The principles worked for these men. You can put them to work for your own enduring benefit. You will find it easy, not hard, to do. Before you read the next chapter, I want you to know that it conveys factual information which might easily change your entire financial destiny, as it has so definitely brought changes of stupendous proportions to two people described. I want you to know, also, that the relationship between these two men and myself, is such that I could have taken no liberties with the facts, even if I had wished to do so. One of them has been my closest personal friend for almost twenty-five years, the other is my own son. The unusual success of these two men, success which they generously accredit to the principle described in the next chapter, more than justifies this personal reference as a means of emphasizing the far-flung power of this principle. Almost fifteen years ago, I delivered the Commencement Address at Salem College, Salem, West Virginia. I emphasized the principle described in the next chapter, with so much intensity that one of the members of the graduating class definitely appropriated it, and made it a part of his own philosophy. The young man is now a Member of Congress, and an important factor in the present administration. Just before this book went to the publisher, he wrote me a letter in which he so clearly stated his opinion of the principle outlined in the next chapter, that I have chosen to publish his letter as an introduction to that chapter. It gives you an idea of the rewards to come. My dear Napoleon: My service as a Member of Congress having given me an insight into the problems of men and women, I am writing to offer a suggestion which may become helpful to thousands of worthy people. With apologies, I must state that the suggestion, if acted upon, will mean several years of labor and responsibility for you, but I am en-heartened to make the suggestion, because I know your great love for rendering useful service. In 1922, you delivered the Commencement address at Salem College, when I was a member of the graduating class. In that address, you planted in my mind an idea which has been responsible for the opportunity I now have to serve the people of my State, and will be responsible, in a very large measure, for whatever success I may have in the future. The suggestion I have in mind is, that you put into a book the sum and substance of the address you delivered at Salem College, and in that way give the people of America an opportunity to profit by your many years of experience and association with the men who, by their greatness, have made America the richest nation on earth. I recall, as though it were yesterday, the marvelous description you gave of the method by which Henry Ford, with but little schooling, without a dollar, with no influential friends, rose to great heights. I made up my mind then, even before you had finished your speech, that I would make a place for myself, no matter how many difficulties I had to surmount. Thousands of young people will finish their schooling this year, and within the next few years. Every one of them will be seeking just such a message of practical encouragement as the one I received from you. They will want to know where to turn, what to do, to get started in life. You can tell them, because you have helped to solve the problems of so many, many people. If there is any possible way that you can afford to render so great a service, may I offer the suggestion that you include with every book, one of your Personal Analysis Charts, in order that the purchaser of the book may have the benefit of a complete self-inventory, indicating, as you indicated to me years ago, exactly what is standing in the way of success. Such a service as this, providing the readers of your book with a complete, unbiased picture of their faults and their virtues, would mean to them the difference between success and failure. The service would be priceless. Millions of people are now facing the problem of staging a come-back, because of the depression, and I speak from personal experience when I say, I know these earnest people would welcome the opportunity to tell you their problems, and to receive your suggestions for the solution. You know the problems of those who face the necessity of beginning all over again. There are thousands of people in America today who would like to know how they can convert ideas into money, people who must start at scratch, without finances, and recoup their losses. If anyone can help them, you can. If you publish the book, I would like to own the first copy that comes from the press, personally autographed by you. With best wishes, believe me, Cordially yours, JENNINGS RANDOLPH Chapter One Key Points 1. You must know exactly what you want. 2. You must be willing to sacrifice time, comfort, ease, and familiarity in order to move steadily toward your goal. 3. Success takes time—it does not matter where you start but that you start. 4. Do you own research rather than trust herd opinion. 5. Be willing on take on tasks that others ignore, avoid, or shrink from. 6. There is an appropriate time for slow, steady work and an appropriate time to claim rewards. Both have their designated moments. 7. Most people lack persistence—by persisting you immediately distinguish yourself from the pack. 8. Self-trust and certainty are critical—but they must be earned through resolute work and independent research. Never rely on guesswork or casual opinions from others. 9. Passion makes possible what conventional opinion calls impossible. Chapter 2 Desire The Starting Point of All Achievement The First Step to Riches When Edwin C. Barnes climbed down from the freight train in Orange, N. J., more than thirty years ago, he may have resembled a tramp, but his thoughts were those of a king! As he made his way from the railroad tracks to Thomas A. Edison’s office, his mind was at work. He saw himself standing in Edison’s presence. He heard himself asking Mr. Edison for an opportunity to carry out the one CONSUMING OBSESSION OF HIS LIFE, a BURNING DESIRE to become the business associate of the great inventor. Barnes’ desire was not a hope! It was not a wish! It was a keen, pulsating DESIRE, which transcended everything else. It was DEFINITE. The desire was not new when he approached Edison. It had been Barnes’ dominating desire for a long time. In the beginning, when the desire first appeared in his mind, it may have been, probably was, only a wish, but it was no mere wish when he appeared before Edison with it. A few years later, Edwin C. Barnes again stood before Edison, in the same office where he first met the inventor. This time his DESIRE had been translated into reality. He was in business with Edison. The dominating DREAM OF HIS LIFE had become a reality. Today, people who know Barnes envy him, because of the “break” life yielded him. They see him in the days of his triumph, without taking the trouble to investigate the cause of his success. Barnes succeeded because he chose a definite goal, placed all his energy, all his will power, all his effort, everything back of that goal. He did not become the partner of Edison the day he arrived. He was content to start in the most menial work, as long as it provided an opportunity to take even one step toward his cherished goal. Barnes succeeded because he chose a definite goal, placed all his energy, all his will power, all his effort, everything back of that goal. Five years passed before the chance he had been seeking made its appearance. During all those years not one ray of hope, not one promise of attainment of his DESIRE had been held out to him. To everyone, except himself, he appeared only another cog in the Edison business wheel, but in his own mind, HE WAS THE PARTNER OF EDISON EVERY MINUTE OF THE TIME, from the very day that he first went to work there. It is a remarkable illustration of the power of a DEFINITE DESIRE. Barnes won his goal, because he wanted to be a business associate of Mr. Edison, more than he wanted anything else. He created a plan by which to attain that purpose. But he BURNED ALL BRIDGES BEHIND HIM. He stood by his DESIRE until it became the dominating obsession of his life— and—finally, a fact. When he went to Orange, he did not say to himself, “I will try to induce Edison to give me a job of some sort.” He said, “I will see Edison, and put him on notice that I have come to go into business with him.” He did not say, “I will work there for a few months, and if I get no encouragement, I will quit and get a job somewhere else.” He did say, “I will start anywhere. I will do anything Edison tells me to do, but before I am through, I will be his associate.” He did not say, “I will keep my eyes open for another opportunity, in case I fail to get what I want in the Edison organization.” He said, “There is but ONE thing in this world that I am determined to have, and that is a business association with Thomas A. Edison. I will burn all bridges behind me, and stake my ENTIRE FUTURE on my ability to get what I want.” He left himself no possible way of retreat. He had to win or perish! That is all there is to the Barnes story of success! A long while ago, a great warrior faced a situation which made it necessary for him to make a decision which insured his success on the battlefield. He was about to send his armies against a powerful foe, whose men outnumbered his own. He loaded his soldiers into boats, sailed to the enemy’s country, unloaded soldiers and equipment, then gave the order to burn the ships that had carried them. Addressing his men before the first battle, he said, “You see the boats going up in smoke. That means that we cannot leave these shores alive unless we win! We now have no choice—we win—or we perish! They won. Every person who wins in any undertaking must be willing to burn his ships and cut all sources of retreat. Only by so doing can one be sure of maintaining that state of mind known as a BURNING DESIRE TO WIN, essential to success. The morning after the great Chicago fire, a group of merchants stood on State Street, looking at the smoking remains of what had been their stores. They went into a conference to decide if they would try to rebuild, or leave Chicago and start over in a more promising section of the country. They reached a decision—all except one—to leave Chicago. The merchant who decided to stay and rebuild pointed a finger at the remains of his store, and said, “Gentlemen, on that very spot I will build the world’s greatest store, no matter how many times it may burn down.” That was more than fifty years ago. The store was built. It stands there today, a towering monument to the power of that state of mind known as a BURNING DESIRE. The easy thing for Marshal Field to have done, would have been exactly what his fellow merchants did. When the going was hard, and the future looked dismal, they pulled up and went where the going seemed easier. Mark well this difference between Marshal Field and the other merchants, because it is the same difference which distinguishes Edwin C. Barnes from thousands of other young men who have worked in the Edison organization. It is the same difference which distinguishes practically all who succeed from those who fail. Every human being who reaches the age of understanding of the purpose of money, wishes for it. Wishing will not bring riches. But desiring riches with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognize failure, will bring riches. The method by which DESIRE for riches can be transmuted into its financial equivalent, consists of six definite, practical steps, viz: First. Fix in your mind the exact amount of money you desire. It is not sufficient merely to say “I want plenty of money.” Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter). Second. Determine exactly what you intend to give in return for the money you desire. (There is no such reality as “something for nothing.”) Third. Establish a definite date when you intend to possess the money you desire. Fourth. Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action. Fifth. Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it. Sixth. Read your written statement aloud, twice daily, once just before retiring at night, and once after arising in the morning. AS YOU READ— SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY. It is important that you follow the instructions described in these six steps. It is especially important that you observe, and follow the instructions in the sixth paragraph. You may complain that it is impossible for you to “see yourself in possession of money” before you actually have it. Here is where a BURNING DESIRE will come to your aid. If you truly DESIRE money so keenly that your desire is an obsession, you will have no difficulty in convincing yourself that you will acquire it. The object is to want money, and to become so determined to have it that you CONVINCE yourself you will have it. Only those who become “money conscious” ever accumulate great riches. “Money consciousness” means that the mind has become so thoroughly saturated with the DESIRE for money, that one can see one’s self already in possession of it. To the uninitiated, who has not been schooled in the working principles of the human mind, these instructions may appear impractical. It may be helpful, to all who fail to recognize the soundness of the six steps, to know that the information they convey, was received from Andrew Carnegie, who began as an ordinary laborer in the steel mills, but managed, despite his humble beginning, to make these principles yield him a fortune of considerably more than one hundred million dollars. It may be of further help to know that the six steps here recommended were carefully scrutinized by the late Thomas A. Edison, who placed his stamp of approval upon them as being, not only the steps essential for the accumulation of money, but necessary for the attainment of any definite goal. The steps call for no “hard labor.” They call for no sacrifice. They do not require one to become ridiculous, or credulous. To apply them calls for no great amount of education. But the successful application of these six steps does call for sufficient imagination to enable one to see, and to understand, that accumulation of money cannot be left to chance, good fortune, and luck. One must realize that all who have accumulated great fortunes, first did a certain amount of dreaming, hoping, wishing, DESIRING, and PLANNING before they acquired money. You may as well know, right here, that you can never have riches in great quantities, UNLESS you can work yourself into a white heat of DESIRE for money, and actually BELIEVE you will possess it. You may as well know, also that every great leader, from the dawn of civilization down to the present, was a dreamer. Christianity is the greatest potential power in the world today, because its founder was an intense dreamer who had the vision and the imagination to see realities in their mental and spiritual form before they had been transmuted into physical form. If you do not see great riches in your imagination, you will never see them in your bank balance. Never, in the history of America has there been so great an opportunity for practical dreamers as now exists. The six year economic collapse has reduced all men, substantially, to the same level. A new race is about to be run. The stakes represent huge fortunes which will be accumulated within the next ten years. The rules of the race have changed, because we now live in a CHANGED WORLD that definitely favors the masses, those who had but little or no opportunity to win under the conditions existing during the depression, when fear paralyzed growth and development. We who are in this race for riches, should be encouraged to know that this changed world in which we live is demanding new ideas, new ways of doing things, new leaders, new inventions, new methods of teaching, new methods of marketing, new books, new literature, new features for the radio, new ideas for moving pictures. Back of all this demand for new and better things, there is one quality which one must possess to win, and that is DEFINITENESS OF PURPOSE, the knowledge of what one wants, and a burning DESIRE to possess it. The business depression marked the death of one age, and the birth of another. This changed world requires practical dreamers who can, and will put their dreams into action. The practical dreamers have always been, and always will be the pattern-makers of civilization. We who desire to accumulate riches, should remember the real leaders of the world always have been men who harnessed, and put into practical use, the intangible, unseen forces of unborn opportunity, and have converted those forces, (or impulses of thought), into sky-scrapers, cities, factories, airplanes, automobiles, and every form of convenience that makes life more pleasant. Tolerance, and an open mind are practical necessities of the dreamer of today. Those who are afraid of new ideas are doomed before they start. Never has there been a time more favorable to pioneers than the present. True, there is no wild and woolly west to be conquered, as in the days of the Covered Wagon; but there is a vast business, financial, and industrial world to be remoulded and redirected along new and better lines. In planning to acquire your share of the riches, let no one influence you to scorn the dreamer. To win the big stakes in this changed world, you must catch the spirit of the great pioneers of the past, whose dreams have given to civilization all that it has of value, the spirit which serves as the life-blood of our own country—your opportunity and mine, to develop and market our talents. Let us not forget, Columbus dreamed of an Unknown world, staked his life on the existence of such a world, and discovered it! Copernicus, the great astronomer, dreamed of a multiplicity of worlds, and revealed them! No one denounced him as “impractical” after he had triumphed. Instead, the world worshipped at his shrine, thus proving once more that “SUCCESS REQUIRES NO APOLOGIES, FAILURE PERMITS NO ALIBIS.” If the thing you wish to do is right, and you believe in it, go ahead and do it! Put your dream across, and never mind what “they” say if you meet with temporary defeat, for “they,” perhaps, do not know that EVERY FAILURE BRINGS WITH IT THE SEED OF AN EQUIVALENT SUCCESS. Henry Ford, poor and uneducated, dreamed of a horseless carriage, went to work with what tools he possessed, without waiting for opportunity to favor him, and now evidence of his dream belts the entire earth. He has put more wheels into operation than any man who ever lived, because he was not afraid to back his dreams. Thomas Edison dreamed of a lamp that could be operated by electricity, began where he stood to put his dream into action, and despite more than ten thousand failures, he stood by that dream until he made it a physical reality. Practical dreamers DO NOT QUIT! Whelan dreamed of a chain of cigar stores, transformed his dream into action, and now the United Cigar Stores occupy the best corners in America. Lincoln dreamed of freedom for the black slaves, put his dream into action, and barely missed living to see a united North and South translate his dream into reality. The Wright brothers dreamed of a machine that would fly through the air. Now one may see evidence all over the world, that they dreamed soundly. Marconi dreamed of a system for harnessing the intangible forces of the ether. Evidence that he did not dream in vain, may be found in every wireless and radio in the world. Moreover, Marconi’s dream brought the humblest cabin, and the most stately manor house side by side. It made the people of every nation on earth back-door neighbors. It gave the President of the United States a medium by which he may talk to all the people of America at one time, and on short notice. It may interest you to know that Marconi’s “friends” had him taken into custody, and examined in a psychopathic hospital, when he announced he had discovered a principle through which he could send messages through the air, without the aid of wires, or other direct physical means of communication. The dreamers of today fare better. The world has become accustomed to new discoveries. Nay, it has shown a willingness to reward the dreamer who gives the world a new idea. “The greatest achievement was, at first, and for a time, but a dream.” “The oak sleeps in the acorn. The bird waits in the egg, and in the highest vision of the soul, a waking angel stirs. DREAMS ARE THE SEEDLINGS OF REALITY.” Awake, arise, and assert yourself, you dreamers of the world. Your star is now in the ascendency. The world depression brought the opportunity you have been waiting for. It taught people humility, tolerance, and openmindedness. The world is filled with an abundance of OPPORTUNITY which the dreamers of the past never knew. A BURNING DESIRE TO BE, AND TO DO is the starting point from which the dreamer must take off. Dreams are not born of indifference, laziness, or lack of ambition. The world no longer scoffs at the dreamer, nor calls him impractical. If you think it does, take a trip to Tennessee, and witness what a dreamer President has done in the way of harnessing, and using the great water power of America. A score of years ago, such a dream would have seemed like madness. You have been disappointed, you have undergone defeat during the depression, you have felt the great heart within you crushed until it bled. Take courage, for these experiences have tempered the spiritual metal of which you are made—they are assets of incomparable value. Remember, too, that all who succeed in life get off to a bad start, and pass through many heartbreaking struggles before they “arrive.” The turning point in the lives of those who succeed, usually comes at the moment of some crisis, through which they are introduced to their “other selves.” John Bunyan wrote the Pilgrim’s Progress, which is among the finest of all English literature, after he had been confined in prison and sorely punished, because of his views on the subject of religion. O. Henry discovered the genius which slept within his brain, after he had met with great misfortune, and was confined in a prison cell, in Columbus, Ohio. Being FORCED, through misfortune, to become acquainted with his “other self,” and to use his IMAGINATION, he discovered himself to be a great author instead of a miserable criminal and outcast. Strange and varied are the ways of life, and stranger still are the ways of Infinite Intelligence, through which men are sometimes forced to undergo all sorts of punishment before discovering their own brains, and their own capacity to create useful ideas through imagination. Edison, the world’s greatest inventor and scientist, was a “tramp” telegraph operator, he failed innumerable times before he was driven, finally, to the discovery of the genius which slept within his brain. Charles Dickens began by pasting labels on blacking pots. The tragedy of his first love penetrated the depths of his soul, and converted him into one of the world’s truly great authors. That tragedy produced, first, David Copperfield, then a succession of other works that made this a richer and better world for all who read his books. Disappointment over love affairs, generally has the effect of driving men to drink, and women to ruin; and this, because most people never learn the art of transmuting their strongest emotions into dreams of a constructive nature. Helen Keller became deaf, dumb, and blind shortly after birth. Despite her greatest misfortune, she has written her name indelibly in the pages of the history of the great. Her entire life has served as evidence that no one ever is defeated until defeat has been accepted as a reality. Robert Burns was an illiterate country lad, he was cursed by poverty, and grew up to be a drunkard in the bargain. The world was made better for his having lived, because he clothed beautiful thoughts in poetry, and thereby plucked a thorn and planted a rose in its place. Booker T. Washington was born in slavery, handicapped by race and color. Because he was tolerant, had an open mind at all times, on all subjects, and was a DREAMER, he left his impress for good on an entire race. Beethoven was deaf, Milton was blind, but their names will last as long as time endures, because they dreamed and translated their dreams into organized thought. Before passing to the next chapter, kindle anew in your mind the fire of hope, faith, courage, and tolerance. If you have these states of mind, and a working knowledge of the principles described, all else that you need will come to you, when you are READY for it. Let Emerson state the thought in these words, “Every proverb, every book, every byword that belongs to thee for aid and comfort shall surely come home through open or winding passages. Every friend whom not thy fantastic will, but the great and tender soul in thee craveth, shall lock thee in his embrace.” There is a difference between WISHING for a thing and being READY to receive it. No one is ready for a thing, until he believes he can acquire it. The state of mind must be BELIEF, not mere hope or wish. Open-mindedness is essential for belief. Closed minds do not inspire faith, courage, and belief. No one is ready for a thing, until he believes he can acquire it. Remember, no more effort is required to aim high in life, to demand abundance and prosperity, than is required to accept misery and poverty. A great poet has correctly stated this universal truth through these lines: “I bargained with Life for a penny, And Life would pay no more, However I begged at evening When I counted my scanty store. For Life is a just employer, He gives you what you ask, But once you have set the wages, Why, you must bear the task. I worked for a menial’s hire, Only to learn, dismayed, That any wage I had asked of Life, Life would have willingly paid.” DESIRE OUTWITS MOTHER NATURE As a fitting climax to this chapter, I wish to introduce one of the most unusual persons I have ever known. I first saw him twenty-four years ago, a few minutes after he was born. He came into the world without any physical sign of ears, and the doctor admitted, when pressed for an opinion, that the child might be deaf, and mute for life. I challenged the doctor’s opinion. I had the right to do so, I was the child’s father. I, too, reached a decision, and rendered an opinion, but I expressed the opinion silently, in the secrecy of my own heart. I decided that my son would hear and speak. Nature could send me a child without ears, but Nature could not induce me to accept the reality of the affliction. In my own mind I knew that my son would hear and speak. How? I was sure there must be a way, and I knew I would find it. I thought of the words of the immortal Emerson, “The whole course of things goes to teach us faith. We need only obey. There is guidance for each of us, and by lowly listening, we shall hear the right word.” The right word? DESIRE! More than anything else, I DESIRED that my son should not be a deaf mute. From that desire I never receded, not for a second. Many years previously, I had written, “Our only limitations are those we set up in our own minds.” For the first time, I wondered if that statement were true. Lying on the bed in front of me was a newly born child, without the natural equipment of hearing. Even though he might hear and speak, he was obviously disfigured for life. Surely, this was a limitation which that child had not set up in his own mind. What could I do about it? Somehow I would find a way to transplant into that child’s mind my own BURNING DESIRE for ways and means of conveying sound to his brain without the aid of ears. As soon as the child was old enough to cooperate, I would fill his mind so completely with a BURNING DESIRE to hear, that Nature would, by methods of her own, translate it into physical reality. All this thinking took place in my own mind, but I spoke of it to no one. Every day I renewed the pledge I had made to myself, not to accept a deaf mute for a son. As he grew older, and began to take notice of things around him, we observed that he had a slight degree of hearing. When he reached the age when children usually begin talking, he made no attempt to speak, but we could tell by his actions that he could hear certain sounds slightly. That was all I wanted to know! I was convinced that if he could hear, even slightly, he might develop still greater hearing capacity. Then something happened which gave me hope. It came from an entirely unexpected source. We bought a victrola. When the child heard the music for the first time, he went into ecstasies, and promptly appropriated the machine. He soon showed a preference for certain records, among them, “It’s a Long Way to Tipperary.” On one occasion, he played that piece over and over, for almost two hours, standing in front of the victrola, with his teeth clamped on the edge of the case. The significance of this self-formed habit of his did not become clear to us until years afterward, for we had never heard of the principle of “bone conduction” of sound at that time. Shortly after he appropriated the victrola, I discovered that he could hear me quite clearly when I spoke with my lips touching his mastoid bone, or at the base of the brain. These discoveries placed in my possession the necessary media by which I began to translate into reality my Burning Desire to help my son develop hearing and speech. By that time he was making stabs at speaking certain words. The outlook was far from encouraging, but DESIRE BACKED BY FAITH knows no such word as impossible. Having determined that he could hear the sound of my voice plainly, I began, immediately, to transfer to his mind the desire to hear and speak. I soon discovered that the child enjoyed bedtime stories, so I went to work, creating stories designed to develop in him self-reliance, imagination, and a keen desire to hear and to be normal. There was one story in particular, which I emphasized by giving it some new and dramatic coloring each time it was told. It was designed to plant in his mind the thought that his affliction was not a liability, but an asset of great value. Despite the fact that all the philosophy I had examined clearly indicated that EVERY ADVERSITY BRINGS WITH IT THE SEED OF AN EQUIVALENT ADVANTAGE, I must confess that I had not the slightest idea how this affliction could ever become an asset. However, I continued my practice of wrapping that philosophy in bedtime stories, hoping the time would come when he would find some plan by which his handicap could be made to serve some useful purpose. Reason told me plainly, that there was no adequate compensation for the lack of ears and natural hearing equipment. DESIRE backed by FAITH, pushed reason aside, and inspired me to carry on. As I analyze the experience in retrospect, I can see now, that my son’s faith in me had much to do with the astounding results. He did not question anything I told him. I sold him the idea that he had a distinct advantage over his older brother, and that this advantage would reflect itself in many ways. For example, the teachers in school would observe that he had no ears, and, because of this, they would show him special attention and treat him with extraordinary kindness. They always did. His mother saw to that, by visiting the teachers and arranging with them to give the child the extra attention necessary. I sold him the idea, too, that when he became old enough to sell newspapers, (his older brother had already become a newspaper merchant), he would have a big advantage over his brother, for the reason that people would pay him extra money for his wares, because they could see that he was a bright, industrious boy, despite the fact he had no ears. We could notice that, gradually, the child’s hearing was improving. Moreover, he had not the slightest tendency to be self-conscious, because of his affliction. When he was about seven, he showed the first evidence that our method of servicing his mind was bearing fruit. For several months he begged for the privilege of selling newspapers, but his mother would not give her consent. She was afraid that his deafness made it unsafe for him to go on the street alone. Finally, he took matters in his own hands. One afternoon, when he was left at home with the servants, he climbed through the kitchen window, shinnied to the ground, and set out on his own. He borrowed six cents in capital from the neighborhood shoemaker, invested it in papers, sold out, reinvested, and kept repeating until late in the evening. After balancing his accounts, and paying back the six cents he had borrowed from his banker, he had a net profit of forty-two cents. When we got home that night, we found him in bed asleep, with the money tightly clenched in his hand. His mother opened his hand, removed the coins, and cried. Of all things! Crying over her son’s first victory seemed so inappropriate. My reaction was the reverse. I laughed heartily, for I knew that my endeavor to plant in the child’s mind an attitude of faith in himself had been successful. His mother saw, in his first business venture, a little deaf boy who had gone out in the streets and risked his life to earn money. I saw a brave, ambitious, self-reliant little business man whose stock in himself had been increased a hundred percent, because he had gone into business on his own initiative, and had won. The transaction pleased me, because I knew that he had given evidence of a trait of resourcefulness that would go with him all through life. Later events proved this to be true. When his older brother wanted something, he would lie down on the floor, kick his feet in the air, cry for it—and get it. When the “little deaf boy” wanted something, he would plan a way to earn the money, then buy it for himself. He still follows that plan! Truly, my own son has taught me that handicaps can be converted into stepping stones on which one may climb toward some worthy goal, unless they are accepted as obstacles, and used as alibis. The little deaf boy went through the grades, high school, and college without being able to hear his teachers, excepting when they shouted loudly, at close range. He did not go to a school for the deaf. WE WOULD NOT PERMIT HIM TO LEARN THE SIGN LANGUAGE. We were determined that he should live a normal life, and associate with normal children, and we stood by that decision, although it cost us many heated debates with school officials. While he was in high school, he tried an electrical hearing aid, but it was of no value to him; due, we believed, to a condition that was disclosed when the child was six, by Dr. J. Gordon Wilson, of Chicago, when he operated on one side of the boy’s head, and discovered that there was no sign of natural hearing equipment. During his last week in college, (eighteen years after the operation), something happened which marked the most important turning-point of his life. Through what seemed to be mere chance, he came into possession of another electrical hearing device, which was sent to him on trial. He was slow about testing it, due to his disappointment with a similar device. Finally he picked the instrument up, and more or less carelessly, placed it on his head, hooked up the battery, and lo! as if by a stroke of magic, his lifelong DESIRE FOR NORMAL HEARING BECAME A REALITY! For the first time in his life he heard practically as well as any person with normal hearing. “God moves in mysterious ways, His wonders to perform.” Overjoyed because of the Changed World which had been brought to him through his hearing device, he rushed to the telephone, called his mother, and heard her voice perfectly. The next day he plainly heard the voices of his professors in class, for the first time in his life! Previously he could hear them only when they shouted, at short range. He heard the radio. He heard the talking pictures. For the first time in his life, he could converse freely with other people, without the necessity of their having to speak loudly. Truly, he had come into possession of a Changed World. We had refused to accept Nature’s error, and, by PERSISTENT DESIRE, we had induced Nature to correct that error, through the only practical means available. DESIRE had commenced to pay dividends, but the victory was not yet complete. The boy still had to find a definite and practical way to convert his handicap into an equivalent asset. Hardly realizing the significance of what had already been accomplished, but intoxicated with the joy of his newly discovered world of sound, he wrote a letter to the manufacturer of the hearing-aid, enthusiastically describing his experience. Something in his letter; something, perhaps which was not written on the lines, but back of them; caused the company to invite him to New York. When he arrived, he was escorted through the factory, and while talking with the Chief Engineer, telling him about his changed world, a hunch, an idea, or an inspiration—call it what you wish—flashed into his mind. It was this impulse of thought which converted his affliction into an asset, destined to pay dividends in both money and happiness to thousands for all time to come. The sum and substance of that impulse of thought was this: It occurred to him that he might be of help to the millions of deafened people who go through life without the benefit of hearing devices, if he could find a way to tell them the story of his Changed World. Then and there, he reached a decision to devote the remainder of his life to rendering useful service to the hard of hearing. For an entire month, he carried on an intensive research, during which he analyzed the entire marketing system of the manufacturer of the hearing device, and created ways and means of communicating with the hard of hearing all over the world for the purpose of sharing with them his newly discovered “Changed World.” When this was done, he put in writing a twoyear plan, based upon his findings. When he presented the plan to the company, he was instantly given a position, for the purpose of carrying out his ambition. Little did he dream, when he went to work, that he was destined to bring hope and practical relief to thousands of deafened people who, without his help, would have been doomed forever to deaf mutism. Shortly after he became associated with the manufacturer of his hearing aid, he invited me to attend a class conducted by his company, for the purpose of teaching deaf mutes to hear, and to speak. I had never heard of such a form of education, therefore I visited the class, skeptical but hopeful that my time would not be entirely wasted. Here I saw a demonstration which gave me a greatly enlarged vision of what I had done to arouse and keep alive in my son’s mind the DESIRE for normal hearing. I saw deaf mutes actually being taught to hear and to speak, through application of the selfsame principle I had used, more than twenty years previously, in saving my son from deaf mutism. Thus, through some strange turn of the Wheel of Fate, my son, Blair, and I have been destined to aid in correcting deaf mutism for those as yet unborn, because we are the only living human beings, as far as I know, who have established definitely the fact that deaf mutism can be corrected to the extent of restoring to normal life those who suffer with this affliction. It has been done for one; it will be done for others. There is no doubt in my mind that Blair would have been a deaf mute all his life, if his mother and I had not managed to shape his mind as we did. The doctor who attended at his birth told us, confidentially, the child might never hear or speak. A few weeks ago, Dr. Irving Voorhees, a noted specialist on such cases, examined Blair very thoroughly. He was astounded when he learned how well my son now hears, and speaks, and said his examination indicated that “theoretically, the boy should not be able to hear at all.” But the lad does hear, despite the fact that X-ray pictures show there is no opening in the skull, whatsoever, from where his ears should be to the brain. When I planted in his mind the DESIRE to hear and talk, and live as a normal person, there went with that impulse some strange influence which caused Nature to become bridge-builder, and span the gulf of silence between his brain and the outer world, by some means which the keenest medical specialists have not been able to interpret. It would be sacrilege for me to even conjecture as to how Nature performed this miracle. It would be unforgivable if I neglected to tell the world as much as I know of the humble part I assumed in the strange experience. It is my duty, and a privilege to say I believe, and not without reason, that nothing is impossible to the person who backs DESIRE with enduring FAITH. Verily, a BURNING DESIRE has devious ways of transmuting itself into its physical equivalent. Blair DESIRED normal hearing; now he has it! He was born with a handicap which might easily have sent one with a less defined DESIRE to the street with a bundle of pencils and a tin cup. That handicap now promises to serve as the medium by which he will render useful service to many millions of hard of hearing, also, to give him useful employment at adequate financial compensation the remainder of his life. A BURNING DESIRE has devious ways of transmuting itself into its physical equivalent. The little “white lies” I planted in his mind when he was a child, by leading him to BELIEVE his affliction would become a great asset, which he could capitalize, has justified itself. Verily, there is nothing, right or wrong, which BELIEF, plus BURNING DESIRE, cannot make real. These qualities are free to everyone. In all my experience in dealing with men and women who had personal problems, I never handled a single case which more definitely demonstrates the power of DESIRE. Authors sometimes make the mistake of writing of subjects of which they have but superficial, or very elementary knowledge. It has been my good fortune to have had the privilege of testing the soundness of the POWER OF DESIRE, through the affliction of my own son. Perhaps it was providential that the experience came as it did, for surely no one is better prepared than he, to serve as an example of what happens when DESIRE is put to the test. If Mother Nature bends to the will of desire, is it logical that mere men can defeat a burning desire? Strange and imponderable is the power of the human mind! We do not understand the method by which it uses every circumstance, every individual, every physical thing within its reach, as a means of transmuting DESIRE into its physical counterpart. Perhaps science will uncover this secret. I planted in my son’s mind the DESIRE to hear and to speak as any normal person hears and speaks. That DESIRE has now become a reality. I planted in his mind the DESIRE to convert his greatest handicap into his greatest asset. That DESIRE has been realized. The modus operandi by which this astounding result was achieved is not hard to describe. It consisted of three very definite facts; first, I MIXED FAITH with the DESIRE for normal hearing, which I passed on to my son. Second, I communicated my desire to him in every conceivable way available, through persistent, continuous effort, over a period of years. Third, HE BELIEVED ME! As this chapter was being completed, news came of the death of Mme. Schuman-Heink. One short paragraph in the news dispatch gives the clue to this unusual woman’s stupendous success as a singer. I quote the paragraph, because the clue it contains is none other than DESIRE. Early in her career, Mme. Schuman-Heink visited the director of the Vienna Court Opera, to have him test her voice. But, he did not test it. After taking one look at the awkward and poorly dressed girl, he exclaimed, none too gently, “With such a face, and with no personality at all, how can you ever expect to succeed in opera? My good child, give up the idea. Buy a sewing machine, and go to work. YOU CAN NEVER BE A SINGER.” Never is a long time! The director of the Vienna Court Opera knew much about the technique of singing. He knew little about the power of desire, when it assumes the proportion of an obsession. If he had known more of that power, he would not have made the mistake of condemning genius without giving it an opportunity. Several years ago, one of my business associates became ill. He became worse as time went on, and finally was taken to the hospital for an operation. Just before he was wheeled into the operating room, I took a look at him, and wondered how anyone as thin and emaciated as he, could possibly go through a major operation successfully. The doctor warned me that there was little if any chance of my ever seeing him alive again. But that was the DOCTOR’S OPINION. It was not the opinion of the patient. Just before he was wheeled away, he whispered feebly, “Do not be disturbed, Chief, I will be out of here in a few days.” The attending nurse looked at me with pity. But the patient did come through safely. After it was all over, his physician said, “Nothing but his own desire to live saved him. He never would have pulled through if he had not refused to accept the possibility of death.” I believe in the power of DESIRE backed by FAITH, because I have seen this power lift men from lowly beginnings to places of power and wealth; I have seen it rob the grave of its victims; I have seen it serve as the medium by which men staged a comeback after having been defeated in a hundred different ways; I have seen it provide my own son with a normal, happy, successful life, despite Nature’s having sent him into the world without ears. I believe in the power of DESIRE backed by FAITH, because I have seen this power lift men from lowly beginnings to places of power and wealth. How can one harness and use the power of DESIRE? This has been answered through this, and the subsequent chapters of this book. This message is going out to the world at the end of the longest, and perhaps, the most devastating depression America has ever known. It is reasonable to presume that the message may come to the attention of many who have been wounded by the depression, those who have lost their fortunes, others who have lost their positions, and great numbers who must reorganize their plans and stage a comeback. To all these I wish to convey the thought that all achievement, no matter what may be its nature, or its purpose, must begin with an intense, BURNING DESIRE for something definite. Through some strange and powerful principle of “mental chemistry” which she has never divulged, Nature wraps up in the impulse of STRONG DESIRE “that something” which recognizes no such word as impossible, and accepts no such reality as failure. Chapter Two Key Points 1. Your aim must be more than a simple aim—it must be a burning desire and consuming passion. 2. A definite aim is specific. You must have a clear, definable goal in sight. 3. An aim is not escapism or a pipedream. It is an achievable, concrete goal. 4. Write down your aim: simply, clearly, and definitely. Revisit it and carry it with you. 5. Be willing to place a dollar amount on your aim. This program is not about generalizations but definite markers of achievement. 6. Weaknesses can transform into strengths through determination. Persistence and exceptional effort allow you to discover compensatory strengths for your weaknesses. 7. Because the above principle, your weakness may actually be hidden source of your greatest ability. 8. Nothing is ever achieved without undying desire. Desire finds openings where none appear. 9. Persistence is the application of passion. Never underestimate its power. Chapter 3 Faith Visualization of, and Belief in Attainment of Desire The Second Step to Riches Faith is the head chemist of the mind. When FAITH is blended with the vibration of thought, the subconscious mind instantly picks up the vibration, translates it into its spiritual equivalent, and transmits it to Infinite Intelligence, as in the case of prayer. The emotions of FAITH, LOVE, and SEX are the most powerful of all the major positive emotions. When the three are blended, they have the effect of “coloring” the vibration of thought in such a way that it instantly reaches the subconscious mind, where it is changed into its spiritual equivalent, the only form that induces a response from Infinite Intelligence. The emotions of FAITH, LOVE, and SEX are the most powerful of all the major positive emotions. Love and faith are psychic; related to the spiritual side of man. Sex is purely biological, and related only to the physical. The mixing, or blending, of these three emotions has the effect of opening a direct line of communication between the finite, thinking mind of man, and Infinite Intelligence. HOW TO DEVELOP FAITH There comes, now, a statement which will give a better understanding of the importance the principle of auto-suggestion assumes in the transmutation of desire into its physical, or monetary equivalent; namely: FAITH is a state of mind which may be induced, or created, by affirmation or repeated instructions to the subconscious mind, through the principle of autosuggestion. As an illustration, consider the purpose for which you are, presumably, reading this book. The object is, naturally, to acquire the ability to transmute the intangible thought impulse of DESIRE into its physical counterpart, money. By following the instructions laid down in the chapters on autosuggestion, and the subconscious mind, as summarized in the chapter on autosuggestion, you may CONVINCE the subconscious mind that you believe you will receive that for which you ask, and it will act upon that belief, which your subconscious mind passes back to you in the form of “FAITH,” followed by definite plans for procuring that which you desire. The method by which one develops FAITH, where it does not already exist, is extremely difficult to describe, almost as difficult, in fact, as it would be to describe the color of red to a blind man who has never seen color, and has nothing with which to compare what you describe to him. Faith is a state of mind which you may develop at will, after you have mastered the thirteen principles, because it is a state of mind which develops voluntarily, through application and use of these principles. Repetition of affirmation of orders to your subconscious mind is the only known method of voluntary development of the emotion of faith. Perhaps the meaning may be made clearer through the following explanation as to the way men sometimes become criminals. Stated in the words of a famous criminologist, “When men first come into contact with crime, they abhor it. If they remain in contact with crime for a time, they become accustomed to it, and endure it. If they remain in contact with it long enough, they finally embrace it, and become influenced by it.” This is the equivalent of saying that any impulse of thought which is repeatedly passed on to the subconscious mind is, finally, accepted and acted upon by the subconscious mind, which proceeds to translate that impulse into its physical equivalent, by the most practical procedure available. In connection with this, consider again the statement, ALL THOUGHTS WHICH HAVE BEEN EMOTIONALIZED, (given feeling) AND MIXED WITH FAITH, begin immediately to translate themselves into their physical equivalent or counterpart. The emotions, or the “feeling” portion of thoughts, are the factors which give thoughts vitality, life, and action. The emotions of Faith, Love, and Sex, when mixed with any thought impulse, give it greater action than any of these emotions can do singly. Not only thought impulses which have been mixed with FAITH, but those which have been mixed with any of the positive emotions, or any of the negative emotions, may reach, and influence the subconscious mind. From this statement, you will understand that the subconscious mind will translate into its physical equivalent, a thought impulse of a negative or destructive nature, just as readily as it will act upon thought impulses of a positive or constructive nature. This accounts for the strange phenomenon which so many millions of people experience, referred to as “misfortune,” or “bad luck.” There are millions of people who BELIEVE themselves “doomed” to poverty and failure, because of some strange force over which they BELIEVE they have no control. They are the creators of their own “misfortunes,” because of this negative BELIEF, which is picked up by the subconscious mind, and translated into its physical equivalent. This is an appropriate place at which to suggest again that you may benefit, by passing on to your subconscious mind, any DESIRE which you wish translated into its physical, or monetary equivalent, in a state of expectancy or BELIEF that the transmutation will actually take place. Your BELIEF, or FAITH, is the element which determines the action of your subconscious mind. There is nothing to hinder you from “deceiving” your subconscious mind when giving it instructions through auto-suggestion, as I deceived my son’s subconscious mind. To make this “deceit” more realistic, conduct yourself just as you would, if you were ALREADY IN POSSESSION OF THE MATERIAL THING WHICH YOU ARE DEMANDING, when you call upon your subconscious mind. The subconscious mind will transmute into its physical equivalent, by the most direct and practical media available, any order which is given to it in a state of BELIEF, or FAITH that the order will be carried out. Surely, enough has been stated to give a starting point from which one may, through experiment and practice, acquire the ability to mix FAITH with any order given to the subconscious mind. Perfection will come through practice. It cannot come by merely reading instructions. If it be true that one may become a criminal by association with crime, (and this is a known fact), it is equally true that one may develop faith by voluntarily suggesting to the subconscious mind that one has faith. The mind comes, finally, to take on the nature of the influences which dominate it. Understand this truth, and you will know why it is essential for you to encourage the positive emotions as dominating forces of your mind, and discourage—and eliminate negative emotions. A mind dominated by positive emotions, becomes a favorable abode for the state of mind known as faith. A mind so dominated may, at will, give the subconscious mind instructions, which it will accept and act upon immediately. A mind dominated by positive emotions, becomes a favorable abode for the state of mind known as faith. FAITH IS A STATE OF MIND WHICH MAY BE INDUCED BY AUTO-SUGGESTION All down the ages, the religionists have admonished struggling humanity to “have faith” in this, that, and the other dogma or creed, but they have failed to tell people HOW to have faith. They have not stated that “faith is a state of mind, and that it may be induced by self-suggestion.” In language which any normal human being can understand, we will describe all that is known about the principle through which FAITH may be developed, where it does not already exist. Have Faith in yourself; Faith in the Infinite. Before we begin, you should be reminded again that: FAITH is the “eternal elixir” which gives life, power, and action to the impulse of thought! The foregoing sentence is worth reading a second time, and a third, and a fourth. It is worth reading aloud! FAITH is the starting point of all accumulation of riches! FAITH is the basis of all “miracles,” and all mysteries which cannot be analyzed by the rules of science! FAITH is the only known antidote for FAILURE! FAITH is the element, the “chemical” which, when mixed with prayer, gives one direct communication with Infinite Intelligence. FAITH is the element which transforms the ordinary vibration of thought, created by the finite mind of man, into the spiritual equivalent. FAITH is the only agency through which the cosmic force of Infinite Intelligence can be harnessed and used by man. EVERY ONE OF THE FOREGOING STATEMENTS IS CAPABLE OF PROOF! The proof is simple and easily demonstrated. It is wrapped up in the principle of auto-suggestion. Let us center our attention, therefore, upon the subject of self-suggestion, and find out what it is, and what it is capable of achieving. It is a well known fact that one comes, finally, to BELIEVE whatever one repeats to one’s self, whether the statement be true or false. If a man repeats a lie over and over, he will eventually accept the lie as truth. Moreover, he will BELIEVE it to be the truth. Every man is what he is, because of the DOMINATING THOUGHTS which he permits to occupy his mind. Thoughts which a man deliberately places in his own mind, and encourages with sympathy, and with which he mixes any one or more of the emotions, constitute the motivating forces, which direct and control his every movement, act, and deed! Comes, now, a very significant statement of truth: THOUGHTS WHICH ARE MIXED WITH ANY OF THE FEELINGS OF EMOTIONS, CONSTITUTE A “MAGNETIC” FORCE WHICH ATTRACTS, FROM THE VIBRATIONS OF THE ETHER, OTHER SIMILAR, OR RELATED THOUGHTS. A thought thus “magnetized” with emotion may be compared to a seed which, when planted in fertile soil, germinates, grows, and multiplies itself over and over again, until that which was originally one small seed, becomes countless millions of seeds of the SAME BRAND! The ether is a great cosmic mass of eternal forces of vibration. It is made up of both destructive vibrations and constructive vibrations. It carries, at all times, vibrations of fear, poverty, disease, failure, misery; and vibrations of prosperity, health, success, and happiness, just as surely as it carries the sound of hundreds of orchestrations of music, and hundreds of human voices, all of which maintain their own individuality, and means of identification, through the medium of radio. From the great storehouse of the ether, the human mind is constantly attracting vibrations which harmonize with that which DOMINATES the human mind. Any thought, idea, plan, or purpose which one holds in one’s mind attracts, from the vibrations of the ether, a host of its relatives, adds these “relatives” to its own force, and grows until it becomes the dominating, MOTIVATING MASTER of the individual in whose mind it has been housed. Now, let us go back to the starting point, and become informed as to how the original seed of an idea, plan, or purpose may be planted in the mind. The information is easily conveyed: any idea, plan, or purpose may be placed in the mind through repetition of thought. This is why you are asked to write out a statement of your major purpose, or Definite Chief Aim, commit it to memory, and repeat it, in audible words, day after day, until these vibrations of sound have reached your subconscious mind. We are what we are, because of the vibrations of thought which we pick up and register, through the stimuli of our daily environment. Resolve to throw off the influences of any unfortunate environment, and to build your own life to ORDER. Taking inventory of mental assets and liabilities, you will discover that your greatest weakness is lack of selfconfidence. This handicap can be surmounted, and timidity translated into courage, through the aid of the principle of auto-suggestion. The application of this principle may be made through a simple arrangement of positive thought impulses stated in writing, memorized, and repeated, until they become a part of the working equipment of the subconscious faculty of your mind. SELF-CONFIDENCE FORMULA First. I know that I have the ability to achieve the object of my Definite Purpose in life, therefore, I DEMAND of myself persistent, continuous action toward its attainment, and I here and now promise to render such action. Second. I realize the dominating thoughts of my mind will eventually reproduce themselves in outward, physical action, and gradually transform themselves into physical reality, therefore, I will concentrate my thoughts for thirty minutes daily, upon the task of thinking of the person I intend to become, thereby creating in my mind a clear mental picture of that person. Third. I know through the principle of auto-suggestion, any desire that I persistently hold in my mind will eventually seek expression through some practical means of attaining the object back of it, therefore, I will devote ten minutes daily to demanding of myself the development of SELFCONFIDENCE. Fourth. I have clearly written down a description of my DEFINITE CHIEF AIM in life, and I will never stop trying, until I shall have developed sufficient self-confidence for its attainment. Fifth. I fully realize that no wealth or position can long endure, unless built upon truth and justice, therefore, I will engage in no transaction which does not benefit all whom it affects. I will succeed by attracting to myself the forces I wish to use, and the cooperation of other people. I will induce others to serve me, because of my willingness to serve others. I will eliminate hatred, envy, jealousy, selfishness, and cynicism, by developing love for all humanity, because I know that a negative attitude toward others can never bring me success. I will cause others to believe in me, because I will believe in them, and in myself. I will sign my name to this formula, commit it to memory, and repeat it aloud once a day, with full FAITH that it will gradually influence my THOUGHTS and ACTIONS so that I will become a self-reliant, and successful person. Back of this formula is a law of Nature which no man has yet been able to explain. It has baffled the scientists of all ages. The psychologists have named this law “auto-suggestion,” and let it go at that. The name by which one calls this law is of little importance. The important fact about it is—it WORKS for the glory and success of mankind, IF it is used constructively. On the other hand, if used destructively, it will destroy just as readily. In this statement may be found a very significant truth, namely; that those who go down in defeat, and end their lives in poverty, misery, and distress, do so because of negative application of the principle of auto-suggestion. The cause may be found in the fact that ALL IMPULSES OF THOUGHT HAVE A TENDENCY TO CLOTHE THEMSELVES IN THEIR PHYSICAL EQUIVALENT. The subconscious mind, (the chemical laboratory in which all thought impulses are combined, and made ready for translation into physical reality), makes no distinction between constructive and destructive thought impulses. It works with the material we feed it, through our thought impulses. The subconscious mind will translate into reality a thought driven by FEAR just as readily as it will translate into reality a thought driven by COURAGE, or FAITH. The pages of medical history are rich with illustrations of cases of “suggestive suicide.” A man may commit suicide through negative suggestion, just as effectively as by any other means. In a Midwestern city, a man by the name of Joseph Grant, a bank official, “borrowed” a large sum of the bank’s money, without the consent of the directors. He lost the money through gambling. One afternoon, the Bank Examiner came and began to check the accounts. Grant left the bank, took a room in a local hotel, and when they found him, three days later, he was lying in bed, wailing and moaning, repeating over and over these words, “My God, this will kill me! I cannot stand the disgrace.” In a short time he was dead. The doctors pronounced the case one of “mental suicide.” Just as electricity will turn the wheels of industry, and render useful service if used constructively; or snuff out life if wrongly used, so will the law of auto-suggestion lead you to peace and prosperity, or down into the valley of misery, failure, and death, according to your degree of understanding and application of it. If you fill your mind with FEAR, doubt and unbelief in your ability to connect with, and use the forces of Infinite Intelligence, the law of autosuggestion will take this spirit of unbelief and use it as a pattern by which your subconscious mind will translate it into its physical equivalent. THIS STATEMENT IS AS TRUE AS THE STATEMENT THAT TWO AND TWO ARE FOUR! Like the wind which carries one ship East, and another West, the law of auto-suggestion will lift you up or pull you down, according to the way you set your sails of THOUGHT. The law of auto-suggestion, through which any person may rise to altitudes of achievement which stagger the imagination, is well described in the following verse: “If you think you are beaten, you are, If you think you dare not, you don’t If you like to win, but you think you can’t, It is almost certain you won’t. If you think you’ll lose, you’re lost For out of the world we find, Success begins with a fellow’s will— It’s all in the state of mind. If you think you are outclassed, you are, You’ve got to think high to rise, You’ve got to be sure of yourself before You can ever win a prize. Life’s battles don’t always go To the stronger or faster man, But soon or late the man who wins Is the man WHO THINKS HE CAN!” Observe the words which have been emphasized, and you will catch the deep meaning which the poet had in mind. Somewhere in your make-up (perhaps in the cells of your brain) there lies sleeping, the seed of achievement which, if aroused and put into action, would carry you to heights, such as you may never have hoped to attain. Just as a master musician may cause the most beautiful strains of music to pour forth from the strings of a violin, so may you arouse the genius which lies asleep in your brain, and cause it to drive you upward to whatever goal you may wish to achieve. Abraham Lincoln was a failure at everything he tried, until he was well past the age of forty. He was a Mr. Nobody from Nowhere, until a great experience came into his life, aroused the sleeping genius within his heart and brain, and gave the world one of its really great men. That “experience” was mixed with the emotions of sorrow and LOVE. It came to him through Anne Rutledge, the only woman whom he ever truly loved. It is a known fact that the emotion of LOVE is closely akin to the state of mind known as FAITH, and this for the reason that Love comes very near to translating one’s thought impulses into their spiritual equivalent. During his work of research, the author discovered, from the analysis of the lifework and achievements of hundreds of men of outstanding accomplishment, that there was the influence of a woman’s love back of nearly EVERY ONE OF THEM. The emotion of love, in the human heart and brain, creates a favorable field of magnetic attraction, which causes an influx of the higher and finer vibrations which are afloat in the ether. If you wish evidence of the power of FAITH, study the achievements of men and women who have employed it. At the head of the list comes the Nazarene. Christianity is the greatest single force which influences the minds of men. The basis of Christianity is FAITH, no matter how many people may have perverted, or misinterpreted the meaning of this great force, and no matter how many dogmas and creeds have been created in its name, which do not reflect its tenets. The sum and substance of the teachings and the achievements of Christ, which may have been interpreted as “miracles,” were nothing more nor less than FAITH. If there are any such phenomena as “miracles” they are produced only through the state of mind known as FAITH! Some teachers of religion, and many who call themselves Christians, neither understand nor practice FAITH. Let us consider the power of FAITH, as it is now being demonstrated, by a man who is well known to all of civilization, Mahatma Gandhi, of India. In this man the world has one of the most astounding examples known to civilization, of the possibilities of FAITH. Gandhi wields more potential power than any man living at this time, and this, despite the fact that he has none of the orthodox tools of power, such as money, battle ships, soldiers, and materials of warfare. Gandhi has no money, he has no home, he does not own a suit of clothes, but HE DOES HAVE POWER. How does he come by that power? HE CREATED IT OUT OF HIS UNDERSTANDING OF THE PRINCIPLE OF FAITH, AND THROUGH HIS ABILITY TO TRANSPLANT THAT FAITH INTO THE MINDS OF TWO HUNDRED MILLION PEOPLE. Gandhi has accomplished, through the influence of FAITH, that which the strongest military power on earth could not, and never will accomplish through soldiers and military equipment. He has accomplished the astounding feat of INFLUENCING two hundred million minds to COALESCE AND MOVE IN UNISON, AS A SINGLE MIND. What other force on earth, except FAITH could do as much? There will come a day when employees as well as employers will discover the possibilities of FAITH. That day is dawning. The whole world has had ample opportunity, during the recent business depression, to witness what the LACK OF FAITH will do to business. Surely, civilization has produced a sufficient number of intelligent human beings to make use of this great lesson which the depression has taught the world. During this depression, the world had evidence in abundance that widespread FEAR will paralyze the wheels of industry and business. Out of this experience will arise leaders in business and industry who will profit by the example which Gandhi has set for the world, and they will apply to business the same tactics which he has used in building the greatest following known in the history of the world. These leaders will come from the rank and file of the unknown men, who now labor in the steel plants, the coal mines, the automobile factories, and in the small towns and cities of America. Business is due for a reform, make no mistake about this! The methods of the past, based upon economic combinations of FORCE and FEAR, will be supplanted by the better principles of FAITH and cooperation. Men who labor will receive more than daily wages; they will receive dividends from the business, the same as those who supply the capital for business; but, first they must GIVE MORE TO THEIR EMPLOYERS, and stop this bickering and bargaining by force, at the expense of the public. They must earn, the right to dividends! Moreover, and this is the most important thing of all—THEY WILL BE LED BY LEADERS WHO WILL UNDERSTAND AND APPLY THE PRINCIPLES EMPLOYED BY MAHATMA GANDHI. Only in this way may leaders get from their followers the spirit of FULL cooperation which constitutes power in its highest and most enduring form. This stupendous machine age in which we live, and from which we are just emerging, has taken the soul out of men. Its leaders have driven men as though they were pieces of cold machinery; they were forced to do so by the employees who have bargained, at the expense of all concerned, to get and not to give. The watchword of the future will be HUMAN HAPPINESS AND CONTENTMENT, and when this state of mind shall have been attained, the production will take care of itself, more effectively than anything that has ever been accomplished where men did not, and could not mix FAITH and individual interest with their labor. Because of the need for faith and cooperation in operating business and industry, it will be both interesting and profitable to analyze an event which provides an excellent understanding of the method by which industrialists and business men accumulate great fortunes, by giving before they try to get. The event chosen for this illustration dates back to 1900, when the United States Steel Corporation was being formed. As you read the story, keep in mind these fundamental facts and you will understand how IDEAS have been converted into huge fortunes. First, the huge United States Steel Corporation was born in the mind of Charles M. Schwab, in the form of an IDEA he created through his IMAGINATION! Second, he mixed FAITH with his IDEA. Third, he formulated a PLAN for the transformation of his IDEA into physical and financial reality. Fourth, he put his plan into action with his famous speech at the University Club. Fifth, he applied, and followed-through on his PLAN with PERSISTENCE, and backed it with firm DECISION until it had been fully carried out. Sixth, he prepared the way for success by a BURNING DESIRE for success. If you are one of those who have often wondered how great fortunes are accumulated, this story of the creation of the United States Steel Corporation will be enlightening. If you have any doubt that men can THINK AND GROW RICH, this story should dispel that doubt, because you can plainly see in the story of the United States Steel, the application of a major portion of the thirteen principles described in this book. This astounding description of the power of an IDEA was dramatically told by John Lowell, in the New York World-Telegram, with whose courtesy it is here reprinted. “A PRETTY AFTER-DINNER SPEECH FOR A BILLION DOLLARS “When, on the evening of December 12, 1900, some eighty of the nation’s financial nobility gathered in the banquet hall of the University Club on Fifth Avenue to do honor to a young man from out of the West, not half a dozen of the guests realized they were to witness the most significant episode in American industrial history. “J. Edward Simmons and Charles Stewart Smith, their hearts full of gratitude for the lavish hospitality bestowed on them by Charles M. Schwab during a recent visit to Pittsburgh, had arranged the dinner to introduce the thirty-eight-year-old steel man to eastern banking society. But they didn’t expect him to stampede the convention. They warned him, in fact, that the bosoms within New York’s stuffed shirts would not be responsive to oratory, and that, if he didn’t want to bore the Stilimans and Harrimans and Vanderbilts, he had better limit himself to fifteen or twenty minutes of polite vaporings and let it go at that. “Even John Pierpont Morgan, sitting on the right hand of Schwab as became his imperial dignity, intended to grace the banquet table with his presence only briefly. And so far as the press and public were concerned, the whole affair was of so little moment that no mention of it found its way into print the next day. “So the two hosts and their distinguished guests ate their way through the usual seven or eight courses. There was little conversation and what there was of it was restrained. Few of the bankers and brokers had met Schwab, whose career had flowered along the banks of the Monongahela, and none knew him well. But before the evening was over, they—and with them Money Master Morgan—were to be swept off their feet, and a billion-dollar baby, the United States Steel Corporation, was to be conceived. “It is perhaps unfortunate, for the sake of history, that no record of Charlie Schwab’s speech at the dinner ever was made. He repeated some parts of it at a later date during a similar meeting of Chicago bankers. And still later, when the Government brought suit to dissolve the Steel Trust, he gave his own version, from the witness stand, of the remarks that stimulated Morgan into a frenzy of financial activity. “It is probable, however, that it was a “homely” speech, somewhat ungrammatical (for the niceties of language never bothered Schwab), full of epigram and threaded with wit. But aside from that it had a galvanic force and effect upon the five billions of estimated capital that was represented by the diners. After it was over and the gathering was still under its spell, although Schwab had talked for ninety minutes, Morgan led the orator to a recessed window where, dangling their legs from the high, uncomfortable seat, they talked for an hour more. “The magic of the Schwab personality had been turned on, full force, but what was more important and lasting was the full-fledged, clear-cut program he laid down for the aggrandizement of Steel. Many other men had tried to interest Morgan in slapping together a steel trust after the pattern of the biscuit, wire and hoop, sugar, rubber, whisky, oil or chewing gum combinations. John W. Gates, the gambler, had urged it, but Morgan distrusted him. The Moore boys, Bill and Jim, Chicago stock jobbers who had glued together a match trust and a cracker corporation, had urged it and failed. Elbert H. Gary, the sanctimonious country lawyer, wanted to foster it, but he wasn’t big enough to be impressive. Until Schwab’s eloquence took J. P. Morgan to the heights from which he could visualize the solid results of the most daring financial undertaking ever conceived, the project was regarded as a delirious dream of easy-money crackpots. “The financial magnetism that began, a generation ago, to attract thousands of small and sometimes inefficiently managed companies into large and competition-crushing combinations, had become operative in the steel world through the devices of that jovial business pirate, John W. Gates. Gates already had formed the American Steel and Wire Company out of a chain of small concerns, and together with Morgan had created the Federal Steel Company. The National Tube and American Bridge companies were two more Morgan concerns, and the Moore Brothers had forsaken the match and cookie business to form the ‘American’ group—Tin Plate, Steel Hoop, Sheet Steel—and the National Steel Company. “But by the side of Andrew Carnegie’s gigantic vertical trust, a trust owned and operated by fifty-three partners, those other combinations were picayune. They might combine to their heart’s content but the whole lot of them couldn’t make a dent in the Carnegie organization, and Morgan knew it. “The eccentric old Scot knew it, too. From the magnificent heights of Skibo Castle he had viewed, first with amusement and then with resentment, the attempts of Morgan’s smaller companies to cut into his business. When the attempts became too bold, Carnegie’s temper was translated into anger and retaliation. He decided to duplicate every mill owned by his rivals. Hitherto, he hadn’t been interested in wire, pipe, hoops, or sheet. Instead, he was content to sell such companies the raw steel and let them work it into whatever shape they wanted. Now, with Schwab as his chief and able lieutenant, he planned to drive his enemies to the wall. “So it was that in the speech of Charles M. Schwab, Morgan saw the answer to his problem of combination. A trust without Carnegie—giant of them all—would be no trust at all, a plum pudding, as one writer said, without the plums. “Schwab’s speech on the night of December 12, 1900, undoubtedly carried the inference, though not the pledge, that the vast Carnegie enterprise could be brought under the Morgan tent. He talked of the world future for steel, of reorganization for efficiency, of specialization, of the scrapping of unsuccessful mills and concentration of effort on the flourishing properties, of economies in the ore traffic, of economies in overhead and administrative departments, of capturing foreign markets. “More than that, he told the buccaneers among them wherein lay the errors of their customary piracy. Their purposes, he inferred, had been to create monopolies, raise prices, and pay themselves fat dividends out of privilege. Schwab condemned the system in his heartiest manner. The shortsightedness of such a policy, he told his hearers, lay in the fact that it restricted the market in an era when everything cried for expansion. By cheapening the cost of steel, he argued, an ever-expanding market would be created; more uses for steel would be devised, and a goodly portion of the world trade could be captured. Actually, though he did not know it, Schwab was an apostle of modern mass production. “So the dinner at the University Club came to an end. Morgan went home, to think about Schwab’s rosy predictions. Schwab went back to Pittsburgh to run the steel business for ‘Wee Andra Carnegie,’ while Gary and the rest went back to their stock tickers, to fiddle around in anticipation of the next move. “It was not long coming. It took Morgan about one week to digest the feast of reason Schwab had placed before him. When he had assured himself that no financial indigestion was to result, he sent for Schwab—and found that young man rather coy. Mr. Carnegie, Schwab indicated, might not like it if he found his trusted company president had been flirting with the Emperor of Wall Street, the Street upon which Carnegie was resolved never to tread. Then it was suggested by John W. Gates the go-between, that if Schwab ‘happened’ to be in the Bellevue Hotel in Philadelphia, J. P. Morgan might also ‘happen’ to be there. When Schwab arrived, however, Morgan was inconveniently ill at his New York home, and so, on the elder man’s pressing invitation, Schwab went to New York and presented himself at the door of the financier’s library. “Now certain economic historians have professed the belief that from the beginning to the end of the drama, the stage was set by Andrew Carnegie —that the dinner to Schwab, the famous speech, the Sunday night conference between Schwab and the Money King, were events arranged by the canny Scot. The truth is exactly the opposite. When Schwab was called in to consummate the deal, he didn’t even know whether ‘the little boss,’ as Andrew was called, would so much as listen to an offer to sell, particularly to a group of men whom Andrew regarded as being endowed with something less than holiness. But Schwab did take into the conference with him, in his own handwriting, six sheets of copper-plate figures, representing to his mind the physical worth and the potential earning capacity of every steel company he regarded as an essential star in the new metal firmament. “Four men pondered over these figures all night. The chief, of course, was Morgan, steadfast in his belief in the Divine Right of Money. With him was his aristocratic partner, Robert Bacon, a scholar and a gentleman. The third was John W. Gates whom Morgan scorned as a gambler and used as a tool. The fourth was Schwab, who knew more about the processes of making and selling steel than any whole group of men then living. Throughout that conference, the Pittsburgher’s figures were never questioned. If he said a company was worth so much, then it was worth that much and no more. He was insistent, too, upon including in the combination only those concerns he nominated. He had conceived a corporation in which there would be no duplication, not even to satisfy the greed of friends who wanted to unload their companies upon the broad Morgan shoulders. Thus he left out, by design, a number of the larger concerns upon which the Walruses and Carpenters of Wall Street had cast hungry eyes. “When dawn came, Morgan rose and straightened his back. Only one question remained. “‘Do you think you can persuade Andrew Carnegie to sell?’ he asked. “‘I can try,’ said Schwab. “‘If you can get him to sell, I will undertake the matter,’ said Morgan. “So far so good. But would Carnegie sell? How much would he demand? (Schwab thought about $320,000,000). What would he take payment in? Common or preferred stocks? Bonds? Cash? Nobody could raise a third of a billion dollars in cash. “There was a golf game in January on the frost-cracking heath of the St. Andrews links in Westchester, with Andrew bundled up in sweaters against the cold, and Charlie talking volubly, as usual, to keep his spirits up. But no word of business was mentioned until the pair sat down in the cozy warmth of the Carnegie cottage hard by. Then, with the same persuasiveness that had hypnotized eighty millionaires at the University Club, Schwab poured out the glittering promises of retirement in comfort, of untold millions to satisfy the old man’s social caprices. Carnegie capitulated, wrote a figure on a slip of paper, handed it to Schwab and said, ‘all right, that’s what we’ll sell for.’ “The figure was approximately $400,000,000, and was reached by taking the $320,000,000 mentioned by Schwab as a basic figure, and adding to it $80,000,000 to represent the increased capital value over the previous two years. “Later, on the deck of a trans-Atlantic liner, the Scotsman said ruefully to Morgan, ‘I wish I had asked you for $100,000,000 more.’ “‘If you had asked for it, you’d have gotten it,’ Morgan told him cheerfully. “There was an uproar, of course. A British correspondent cabled that the foreign steel world was ‘appalled’ by the gigantic combination. President Hadley, of Yale, declared that unless trusts were regulated the country might expect ‘an emperor in Washington within the next twenty-five years.’ But that able stock manipulator, Keene, went at his work of shoving the new stock at the public so vigorously that all the excess water—estimated by some at nearly $600,000,000—was absorbed in a twinkling. So Carnegie had his millions, and the Morgan syndicate had $62,000,000 for all its ‘trouble,’ and all the ‘boys,’ from Gates to Gary, had their millions. “The thirty-eight-year-old Schwab had his reward. He was made president of the new corporation and remained in control until 1930.” The dramatic story of “Big Business” which you have just finished, was included in this book, because it is a perfect illustration of the method by which DESIRE CAN BE TRANSMUTED INTO ITS PHYSICAL EQUIVALENT! I imagine some readers will question the statement that a mere, intangible DESIRE can be converted into its physical equivalent. Doubtless some will say, “You cannot convert NOTHING into SOMETHING!” The answer is in the story of United States Steel. That giant organization was created in the mind of one man. The plan by which the organization was provided with the steel mills that gave it financial stability was created in the mind of the same man. His FAITH, his DESIRE, his IMAGINATION, his PERSISTENCE were the real ingredients that went into United States Steel. The steel mills and mechanical equipment acquired by the corporation, AFTER IT HAD BEEN BROUGHT INTO LEGAL EXISTENCE, were incidental, but careful analysis will disclose the fact that the appraised value of the properties acquired by the corporation increased in value by an estimated SIX HUNDRED MILLION DOLLARS, by the mere transaction which consolidated them under one management. In other words, Charles M. Schwab’s IDEA, plus the FAITH with which he conveyed it to the minds of J. P. Morgan and the others, was marketed for a profit of approximately $600,000,000. Not an insignificant sum for a single IDEA! What happened to some of the men who took their share of the millions of dollars of profit made by this transaction, is a matter with which we are not now concerned. The important feature of the astounding achievement is that it serves as unquestionable evidence of the soundness of the philosophy described in this book, because this philosophy was the warp and the woof of the entire transaction. Moreover, the practicability of the philosophy has been established by the fact that the United States Steel Corporation prospered, and became one of the richest and most powerful corporations in America, employing thousands of people, developing new uses for steel, and opening new markets; thus proving that the $600,000,000 in profit which the Schwab IDEA produced was earned. RICHES begin in the form of THOUGHT! The amount is limited only by the person in whose mind the THOUGHT is put into motion. FAITH removes limitations! Remember this when you are ready to bargain with Life for whatever it is that you ask as your price for having passed this way. Remember, also, that the man who created the United States Steel Corporation was practically unknown at the time. He was merely Andrew Carnegie’s “Man Friday” until he gave birth to his famous IDEA. After that he quickly rose to a position of power, fame, and riches. THERE ARE NO LIMITATIONS TO THE MIND EXCEPT THOSE WE ACKNOWLEDGE BOTH POVERTY AND RICHES ARE THE OFFSPRING OF THOUGHT Chapter Three Key Points 1. Faith is a form of persistence—it is belief backed with continual action. 2. Faith and passion are closely related. This is why your aim must be one for which you feel emotional intensity. 3. If your aim is authentic, faith and persistence come naturally. 4. You can build faith through the practice of autosuggestion: never underestimate the power of what you tell yourself is possible. 5. Your words must be backed by commensurate action. 6. Never demand undeserved rewards—but likewise never bargain with life for too little. Persistence, faith, and effort must be accompanied by a proper valuation of yourself. 7. Faith, passion, persistence, and warranted self-belief place you in proximity to the right people and the necessary resources to make things happen. 8. If you are displaying all of the traits described up to this point, you have already set yourself far ahead of the large majority of your peers and competitors. 9. Note the relationship between distinction and self-worth, including the financial worth you place on your labor and products. Chapter 4 Auto-Suggestion The Medium for Influencing the Subconscious Mind The Third Step to Riches Auto-suggestion is a term which applies to all suggestions and all selfadministered stimuli which reach one’s mind through the five senses. Stated in another way, auto-suggestion is self-suggestion. It is the agency of communication between that part of the mind where conscious thought takes place, and that which serves as the seat of action for the subconscious mind. Through the dominating thoughts which one permits to remain in the conscious mind, (whether these thoughts be negative or positive, is immaterial), the principle of auto-suggestion voluntarily reaches the subconscious mind and influences it with these thoughts. NO THOUGHT, whether it be negative or positive, CAN ENTER THE SUBCONSCIOUS MIND WITHOUT THE AID OF THE PRINCIPLE OF AUTO-SUGGESTION, with the exception of thoughts picked up from the ether. Stated differently, all sense impressions which are perceived through the five senses, are stopped by the CONSCIOUS thinking mind, and may be either passed on to the subconscious mind, or rejected, at will. The conscious faculty serves, therefore, as an outer-guard to the approach of the subconscious. Nature has so built man that he has ABSOLUTE CONTROL over the material which reaches his subconscious mind, through his five senses, although this is not meant to be construed as a statement that man always EXERCISES this control. In the great majority of instances, he does NOT exercise it, which explains why so many people go through life in poverty. Recall what has been said about the subconscious mind resembling a fertile garden spot, in which weeds will grow in abundance, if the seeds of more desirable crops are not sown therein. AUTO-SUGGESTION is the agency of control through which an individual may voluntarily feed his subconscious mind on thoughts of a creative nature, or, by neglect, permit thoughts of a destructive nature to find their way into this rich garden of the mind. You were instructed, in the last of the six steps described in the chapter on Desire, to read ALOUD twice daily the WRITTEN statement of your DESIRE FOR MONEY, and to SEE AND FEEL yourself ALREADY in possession of the money! By following these instructions, you communicate the object of your DESIRE directly to your SUBCONSCIOUS mind in a spirit of absolute FAITH. Through repetition of this procedure, you voluntarily create thought habits which are favorable to your efforts to transmute desire into its monetary equivalent. Go back to these six steps described in chapter two, and read them again, very carefully, before you proceed further. Then (when you come to it), read very carefully the four instructions for the organization of your “Master Mind” group, described in the chapter on Organized Planning. By comparing these two sets of instructions with that which has been stated on auto-suggestion, you, of course, will see that the instructions involve the application of the principle of auto-suggestion. Remember, therefore, when reading aloud the statement of your desire (through which you are endeavoring to develop a “money consciousness”), that the mere reading of the words is of NO CONSEQUENCE—UNLESS you mix emotion, or feeling with your words. If you repeat a million times the famous Emile Coué formula, “Day by day, in every way, I am getting better and better,” without mixing emotion and FAITH with your words, you will experience no desirable results. Your subconscious mind recognizes and acts upon ONLY thoughts which have been well-mixed with emotion or feeling. Your subconscious mind recognizes and acts upon ONLY thoughts which have been well-mixed with emotion or feeling. This is a fact of such importance as to warrant repetition in practically every chapter, because the lack of understanding of this is the main reason the majority of people who try to apply the principle of auto-suggestion get no desirable results. Plain, unemotional words do not influence the subconscious mind. You will get no appreciable results until you learn to reach your subconscious mind with thoughts, or spoken words which have been well emotionalized with BELIEF. Do not become discouraged, if you cannot control and direct your emotions the first time you try to do so. Remember, there is no such possibility as SOMETHING FOR NOTHING. Ability to reach, and influence your subconscious mind has its price, and you MUST PAY THAT PRICE. You cannot cheat, even if you desire to do so. The price of ability to influence your subconscious mind is everlasting PERSISTENCE in applying the principles described here. You cannot develop the desired ability for a lower price. You, and YOU ALONE, must decide whether or not the reward for which you are striving (the “money consciousness”), is worth the price you must pay for it in effort. Wisdom and “cleverness” alone, will not attract and retain money except in a few very rare instances, where the law of averages favors the attraction of money through these sources. The method of attracting money described here, does not depend upon the law of averages. Moreover, the method plays no favorites. It will work for one person as effectively as it will for another. Where failure is experienced, it is the individual, not the method, which has failed. If you try and fail, make another effort, and still another, until you succeed. Your ability to use the principle of auto-suggestion will depend, very largely, upon your capacity to CONCENTRATE upon a given DESIRE until that desire becomes a BURNING OBSESSION. When you begin to carry out the instructions in connection with the six steps described in the second chapter, it will be necessary for you to make use of the principle of CONCENTRATION. Let us here offer suggestions for the effective use of concentration. When you begin to carry out the first of the six steps, which instructs you to “fix in your own mind the EXACT amount of money you desire,” hold your thoughts on that amount of money by CONCENTRATION, or fixation of attention, with your eyes closed, until you can ACTUALLY SEE the physical appearance of the money. Do this at least once each day. As you go through these exercises, follow the instructions given in the chapter on FAITH, and see yourself actually IN POSSESSION OF THE MONEY! Here is a most significant fact—the subconscious mind takes any orders given it in a spirit of absolute FAITH, and acts upon those orders, although the orders often have to be presented over and over again, through repetition, before they are interpreted by the subconscious mind. Following the preceding statement, consider the possibility of playing a perfectly legitimate “trick” on your subconscious mind, by making it believe, because you believe it, that you must have the amount of money you are visualizing, that this money is already awaiting your claim, that the subconscious mind MUST hand over to you practical plans for acquiring the money which is yours. Hand over the thought suggested in the preceding paragraph to your IMAGINATION, and see what your imagination can, or will do, to create practical plans for the accumulation of money through transmutation of your desire. DO NOT WAIT for a definite plan, through which you intend to exchange services or merchandise in return for the money you are visualizing, but begin at once to see yourself in possession of the money, DEMANDING and EXPECTING meanwhile, that your subconscious mind will hand over the plan, or plans you need. Be on the alert for these plans, and when they appear, put them into ACTION IMMEDIATELY. When the plans appear, they will probably “flash” into your mind through the sixth sense, in the form of an “inspiration.” This inspiration may be considered a direct “telegram,” or message from Infinite Intelligence. Treat it with respect, and act upon it as soon as you receive it. Failure to do this will be FATAL to your success. In the fourth of the six steps, you were instructed to “Create a definite plan for carrying out your desire, and begin at once to put this plan into action.” You should follow this instruction in the manner described in the preceding paragraph. Do not trust to your “reason” when creating your plan for accumulating money through the transmutation of desire. Your reason is faulty. Moreover, your reasoning faculty may be lazy, and, if you depend entirely upon it to serve you, it may disappoint you. When visualizing the money you intend to accumulate, (with closed eyes), see yourself rendering the service, or delivering the merchandise you intend to give in return for this money. This is important! SUMMARY OF INSTRUCTIONS The fact that you are reading this book is an indication that you earnestly seek knowledge. It is also an indication that you are a student of this subject. If you are only a student, there is a chance that you may learn much that you did not know, but you will learn only by assuming an attitude of humility. If you choose to follow some of the instructions but neglect, or refuse to follow others—you will fail! To get satisfactory results, you must follow ALL instructions in a spirit of FAITH. The instructions given in connection with the six steps in the second chapter will now be summarized, and blended with the principles covered by this chapter, as follows: First. Go into some quiet spot (preferably in bed at night) where you will not be disturbed or interrupted, close your eyes, and repeat aloud, (so you may hear your own words) the written statement of the amount of money you intend to accumulate, the time limit for its accumulation, and a description of the service or merchandise you intend to give in return for the money. As you carry out these instructions, SEE YOURSELF ALREADY IN POSSESSION OF THE MONEY. For example: Suppose that you intend to accumulate $50,000 by the first of January, five years hence, that you intend to give personal services in return for the money, in the capacity of a salesman. Your written statement of your purpose should be similar to the following: “By the first day of January, 19 . . , I will have in my possession $50,000, which will come to me in various amounts from time to time during the interim. “In return for this money I will give the most efficient service of which I am capable, rendering the fullest possible quantity, and the best possible quality of service in the capacity of salesman of (describe the service or merchandise you intend to sell). “I believe that I will have this money in my possession. My faith is so strong that I can now see this money before my eyes. I can touch it with my hands. It is now awaiting transfer to me at the time, and in the proportion that I deliver the service I intend to render in return for it. I am awaiting a plan by which to accumulate this money, and I will follow that plan, when it is received.” Second. Repeat this program night and morning until you can see, (in your imagination) the money you intend to accumulate. Third. Place a written copy of your statement where you can see it night and morning, and read it just before retiring, and upon arising until it has been memorized. Remember, as you carry out these instructions, that you are applying the principle of auto-suggestion, for the purpose of giving orders to your subconscious mind. Remember, also, that your subconscious mind will act ONLY upon instructions which are emotionalized, and handed over to it with “feeling.” FAITH is the strongest, and most productive of the emotions. Follow the instructions given in the chapter on FAITH. These instructions may, at first, seem abstract. Do not let this disturb you. Follow the instructions, no matter how abstract or impractical they may, at first, appear to be. The time will soon come, if you do as you have been instructed, in spirit as well as in act, when a whole new universe of power will unfold to you. Scepticism, in connection with ALL new ideas, is characteristic of all human beings. But if you follow the instructions outlined, your scepticism will soon be replaced by belief, and this, in turn, will soon become crystallized into ABSOLUTE FAITH. Then you will have arrived at the point where you may truly say, “I am the master of my fate, I am the captain of my soul!” Many philosophers have made the statement, that man is the master of his own earthly destiny, but most of them have failed to say why he is the master. The reason that man may be the master of his own earthly status, and especially his financial status, is thoroughly explained in this chapter. Man may become the master of himself, and of his environment, because he has the POWER TO INFLUENCE HIS OWN SUBCONSCIOUS MIND, and through it, gain the cooperation of Infinite Intelligence. You are now reading the chapter which represents the keystone to the arch of this philosophy. The instructions contained in this chapter must be understood and APPLIED WITH PERSISTENCE, if you succeed in transmuting desire into money. The actual performance of transmuting DESIRE into money, involves the use of auto-suggestion as an agency by which one may reach, and influence, the subconscious mind. The other principles are simply tools with which to apply auto-suggestion. Keep this thought in mind, and you will, at all times, be conscious of the important part the principle of auto-suggestion is to play in your efforts to accumulate money through the methods described in this book. Carry out these instructions as though you were a small child. Inject into your efforts something of the FAITH of a child. The author has been most careful, to see that no impractical instructions were included, because of his sincere desire to be helpful. After you have read the entire book, come back to this chapter, and follow in spirit, and in action, this instruction: READ THE ENTIRE CHAPTER ALOUD ONCE EVERY NIGHT, UNTIL YOU BECOME THOROUGHLY CONVINCED THAT THE PRINCIPLE OF AUTO-SUGGESTION IS SOUND, THAT IT WILL ACCOMPLISH FOR YOU ALL THAT HAS BEEN CLAIMED FOR IT. AS YOU READ, UNDERSCORE WITH A PENCIL EVERY SENTENCE WHICH IMPRESSES YOU FAVORABLY. Follow the foregoing instruction to the letter, and it will open the way for a complete understanding, and mastery of the principles of success. Chapter Four Key Points 1. Autosuggestion coupled with emotion is a powerful formula for instilling confidence, persistence, and warranted faith. 2. Do you be discouraged if your affirmations and visualizations take time to translate into reality; effort and interval are natural. 3. Even if you do not at first feel the truth behind what you are saying, stick with it: self-suggestion, too, responds to persistence, sometimes in surprising ways. 4. Use the drowsy periods just before drifting to sleep at night and just upon waking in the morning to employ visualizations, affirmations, prayers, or mantras. At such times, your rational defenses are lowered. This is “primetime” for self-suggestion. 5. During your waking hours, keep your attention on key ideas: write them down, place them in front you, recite them. Keep your mind constantly on your side. 6. You benefit from reading or listening to this book multiple times, along with highlighting and writing down ideas and concepts that stand out to you. You will discover something new each time you approach it. 7. Following the directions in this book—fully and carefully— is itself a form of autosuggestion. Chapter 5 Specialized Knowledge Personal Experiences or Observations The Fourth Step to Riches There are two kinds of knowledge. One is general, the other is specialized. General knowledge, no matter how great in quantity or variety it may be, is of but little use in the accumulation of money. The faculties of the great universities possess, in the aggregate, practically every form of general knowledge known to civilization. Most of the professors have but little or no money. They specialize on teaching knowledge, but they do not specialize on the organization, or the use of knowledge. KNOWLEDGE will not attract money, unless it is organized, and intelligently directed, through practical PLANS OF ACTION, to the DEFINITE END of accumulation of money. Lack of understanding of this fact has been the source of confusion to millions of people who falsely believe that “knowledge is power.” It is nothing of the sort! Knowledge is only potential power. It becomes power only when, and if, it is organized into definite plans of action, and directed to a definite end. KNOWLEDGE will not attract money, unless it is organized, and intelligently directed, through practical PLANS OF ACTION. This “missing link” in all systems of education known to civilization today, may be found in the failure of educational institutions to teach their students HOW TO ORGANIZE AND USE KNOWLEDGE AFTER THEY ACQUIRE IT. Many people make the mistake of assuming that, because Henry Ford had but little “schooling,” he is not a man of “education.” Those who make this mistake do not know Henry Ford, nor do they understand the real meaning of the word “educate.” That word is derived from the Latin word “educo,” meaning to educe, to draw out, to DEVELOP FROM WITHIN. An educated man is not, necessarily, one who has an abundance of general or specialized knowledge. An educated man is one who has so developed the faculties of his mind that he may acquire anything he wants, or its equivalent, without violating the rights of others. Henry Ford comes well within the meaning of this definition. During the world war, a Chicago newspaper published certain editorials in which, among other statements, Henry Ford was called “an ignorant pacifist.” Mr. Ford objected to the statements, and brought suit against the paper for libeling him. When the suit was tried in the Courts, the attorneys for the paper pleaded justification, and placed Mr. Ford, himself, on the witness stand, for the purpose of proving to the jury that he was ignorant. The attorneys asked Mr. Ford a great variety of questions, all of them intended to prove, by his own evidence, that, while he might possess considerable specialized knowledge pertaining to the manufacture of automobiles, he was, in the main, ignorant. Mr. Ford was plied with such questions as the following: “Who was Benedict Arnold?” and “How many soldiers did the British send over to America to put down the Rebellion of 1776?” In answer to the last question, Mr. Ford replied, “I do not know the exact number of soldiers the British sent over, but I have heard that it was a considerably larger number than ever went back.” Finally, Mr. Ford became tired of this line of questioning, and in reply to a particularly offensive question, he leaned over, pointed his finger at the lawyer who had asked the question, and said, “If I should really WANT to answer the foolish question you have just asked, or any of the other questions you have been asking me, let me remind you that I have a row of electric push-buttons on my desk, and by pushing the right button, I can summon to my aid men who can answer ANY question I desire to ask concerning the business to which I am devoting most of my efforts. Now, will you kindly tell me, WHY I should clutter up my mind with general knowledge, for the purpose of being able to answer questions, when I have men around me who can supply any knowledge I require?” There certainly was good logic to that reply. That answer floored the lawyer. Every person in the courtroom realized it was the answer, not of an ignorant man, but of a man of EDUCATION. Any man is educated who knows where to get knowledge when he needs it, and how to organize that knowledge into definite plans of action. Through the assistance of his “Master Mind” group, Henry Ford had at his command all the specialized knowledge he needed to enable him to become one of the wealthiest men in America. It was not essential that he have this knowledge in his own mind. Surely no person who has sufficient inclination and intelligence to read a book of this nature can possibly miss the significance of this illustration. Before you can be sure of your ability to transmute DESIRE into its monetary equivalent, you will require SPECIALIZED KNOWLEDGE of the service, merchandise, or profession which you intend to offer in return for fortune. Perhaps you may need much more specialized knowledge than you have the ability or the inclination to acquire, and if this should be true, you may bridge your weakness through the aid of your “Master Mind” group. Andrew Carnegie stated that he, personally, knew nothing about the technical end of the steel business; moreover, he did not particularly care to know anything about it. The specialized knowledge which he required for the manufacture and marketing of steel, he found available through the individual units of his MASTER MIND GROUP. The accumulation of great fortunes calls for POWER, and power is acquired through highly organized and intelligently directed specialized knowledge, but that knowledge does not, necessarily, have to be in the possession of the man who accumulates the fortune. The preceding paragraph should give hope and encouragement to the man with ambition to accumulate a fortune, who has not possessed himself of the necessary “education” to supply such specialized knowledge as he may require. Men sometimes go through life suffering from “inferiority complexes,” because they are not men of “education.” The man who can organize and direct a “Master Mind” group of men who possess knowledge useful in the accumulation of money, is just as much a man of education as any man in the group. REMEMBER THIS, if you suffer from a feeling of inferiority, because your schooling has been limited. Thomas A. Edison had only three months of “schooling” during his entire life. He did not lack education, neither did he die poor. Henry Ford had less than a sixth grade “schooling” but he has managed to do pretty well by himself, financially. SPECIALIZED KNOWLEDGE is among the most plentiful, and the cheapest forms of service which may be had! If you doubt this, consult the payroll of any university. IT PAYS TO KNOW HOW TO PURCHASE KNOWLEDGE First of all, decide the sort of specialized knowledge you require, and the purpose for which it is needed. To a large extent your major purpose in life, the goal toward which you are working, will help determine what knowledge you need. With this question settled, your next move requires that you have accurate information concerning dependable sources of knowledge. The more important of these are: (a) One’s own experience and education (b) Experience and education available through cooperation of others (Master Mind Alliance) (c) Colleges and Universities (d) Public Libraries (Through books and periodicals in which may be found all the knowledge organized by civilization) (e) Special Training Courses (Through night schools and home study schools in particular.) As knowledge is acquired it must be organized and put into use, for a definite purpose, through practical plans. Knowledge has no value except that which can be gained from its application toward some worthy end. This is one reason why college degrees are not valued more highly. They represent nothing but miscellaneous knowledge. If you contemplate taking additional schooling, first determine the purpose for which you want the knowledge you are seeking, then learn where this particular sort of knowledge can be obtained, from reliable sources. Successful men, in all callings, never stop acquiring specialized knowledge related to their major purpose, business, or profession. Those who are not successful usually make the mistake of believing that the knowledge acquiring period ends when one finishes school. The truth is that schooling does but little more than to put one in the way of learning how to acquire practical knowledge. With this Changed World which began at the end of the economic collapse, came also astounding changes in educational requirements. The order of the day is SPECIALIZATION! This truth was emphasized by Robert P. Moore, secretary of appointments of Columbia University. “SPECIALISTS MOST SOUGHT “Particularly sought after by employing companies are candidates who have specialized in some field—business-school graduates with training in accounting and statistics, engineers of all varieties, journalists, architects, chemists, and also outstanding leaders and activity men of the senior class. “The man who has been active on the campus, whose personality is such that he gets along with all kinds of people and who has done an adequate job with his studies has a most decided edge over the strictly academic student. Some of these, because of their all-around qualifications, have received several offers of positions, a few of them as many as six. “In departing from the conception that the ‘straight A’ student was invariably the one to get the choice of the better jobs, Mr. Moore said that most companies look not only to academic records but to activity records and personalities of the students. “One of the largest industrial companies, the leader in its field, in writing to Mr. Moore concerning prospective seniors at the college, said: “‘We are interested primarily in finding men who can make exceptional progress in management work. For this reason we emphasize qualities of character, intelligence and personality far more than specific educational background.’ “‘APPRENTICESHIP’ PROPOSED “Proposing a system of ‘apprenticing’ students in offices, stores and industrial occupations during the summer vacation, Mr. Moore asserts that after the first two or three years of college, every student should be asked ‘to choose a definite future course and to call a halt if he has been merely pleasantly drifting without purpose through an unspecialized academic curriculum.’ “Colleges and universities must face the practical consideration that all professions and occupations now demand specialists,” he said, urging that educational institutions accept more direct responsibility for vocational guidance. One of the most reliable and practical sources of knowledge available to those who need specialized schooling, is the night schools operated in most large cities. The correspondence schools give specialized training anywhere the U. S. mails go, on all subjects that can be taught by the extension method. One advantage of home study training is the flexibility of the study programme which permits one to study during spare time. Another stupendous advantage of home study training (if the school is carefully chosen), is the fact that most courses offered by home study schools carry with them generous privileges of consultation which can be of priceless value to those needing specialized knowledge. No matter where you live, you can share the benefits. Anything acquired without effort, and without cost is generally unappreciated, often discredited; perhaps this is why we get so little from our marvelous opportunity in public schools. The SELF-DISCIPLINE one receives from a definite programme of specialized study makes up to some extent, for the wasted opportunity when knowledge was available without cost. Correspondence schools are highly organized business institutions. Their tuition fees are so low that they are forced to insist upon prompt payments. Being asked to pay, whether the student makes good grades or poor, has the effect of causing one to follow through with the course when he would otherwise drop it. The correspondence schools have not stressed this point sufficiently, for the truth is that their collection departments constitute the very finest sort of training on DECISION, PROMPTNESS, ACTION and THE HABIT OF FINISHING THAT WHICH ONE BEGINS. I learned this from experience, more than twenty-five years ago. I enrolled for a home study course in Advertising. After completing eight or ten lessons I stopped studying, but the school did not stop sending me bills. Moreover, it insisted upon payment, whether I kept up my studies or not. I decided that if I had to pay for the course (which I had legally obligated myself to do), I should complete the lessons and get my money’s worth. I felt, at the time, that the collection system of the school was somewhat too well organized, but I learned later in life that it was a valuable part of my training for which no charge had been made. Being forced to pay, I went ahead and completed the course. Later in life I discovered that the efficient collection system of that school had been worth much in the form of money earned, because of the training in advertising I had so reluctantly taken. We have in this country what is said to be the greatest public school system in the world. We have invested fabulous sums for fine buildings, we have provided convenient transportation for children living in the rural districts, so they may attend the best schools, but there is one astounding weakness to this marvelous system—IT IS FREE! One of the strange things about human beings is that they value only that which has a price. The free schools of America, and the free public libraries, do not impress people because they are free. This is the major reason why so many people find it necessary to acquire additional training after they quit school and go to work. It is also one of the major reasons why EMPLOYERS GIVE GREATER CONSIDERATION TO EMPLOYEES WHO TAKE HOME STUDY COURSES. They have learned, from experience, that any person who has the ambition to give up a part of his spare time to studying at home has in him those qualities which make for leadership. This recognition is not a charitable gesture, it is sound business judgment upon the part of the employers. There is one weakness in people for which there is no remedy. It is the universal weakness of LACK OF AMBITION! Persons, especially salaried people, who schedule their spare time, to provide for home study, seldom remain at the bottom very long. Their action opens the way for the upward climb, removes many obstacles from their path, and gains the friendly interest of those who have the power to put them in the way of OPPORTUNITY. The home study method of training is especially suited to the needs of employed people who find, after leaving school, that they must acquire additional specialized knowledge, but cannot spare the time to go back to school. The changed economic conditions prevailing since the depression have made it necessary for thousands of people to find additional, or new sources of income. For the majority of these, the solution to their problem may be found only by acquiring specialized knowledge. Many will be forced to change their occupations entirely. When a merchant finds that a certain line of merchandise is not selling, he usually supplants it with another that is in demand. The person whose business is that of marketing personal services must also be an efficient merchant. If his services do not bring adequate returns in one occupation, he must change to another, where broader opportunities are available. Stuart Austin Wier prepared himself as a Construction Engineer and followed this line of work until the depression limited his market to where it did not give him the income he required. He took inventory of himself, decided to change his profession to law, went back to school and took special courses by which he prepared himself as a corporation lawyer. Despite the fact the depression had not ended, he completed his training, passed the Bar Examination, and quickly built a lucrative law practice, in Dallas, Texas; in fact he is turning away clients. Just to keep the record straight, and to anticipate the alibis of those who will say, “I couldn’t go to school because I have a family to support,” or “I’m too old,” I will add the information that Mr. Wier was past forty, and married when he went back to school. Moreover, by carefully selecting highly specialized courses, in colleges best prepared to teach the subjects chosen, Mr. Wier completed in two years the work for which the majority of law students require four years. IT PAYS TO KNOW HOW TO PURCHASE KNOWLEDGE! The person who stops studying merely because he has finished school is forever hopelessly doomed to mediocrity, no matter what may be his calling. The way of success is the way of continuous pursuit of knowledge. Let us consider a specific instance. During the depression a salesman in a grocery store found himself without a position. Having had some bookkeeping experience, he took a special course in accounting, familiarized himself with all the latest bookkeeping and office equipment, and went into business for himself. Starting with the grocer for whom he had formerly worked, he made contracts with more than 100 small merchants to keep their books, at a very nominal monthly fee. His idea was so practical that he soon found it necessary to set up a portable office in a light delivery truck, which he equipped with modern bookkeeping machinery. He now has a fleet of these bookkeeping offices “on wheels” and employs a large staff of assistants, thus providing small merchants with accounting service equal to the best that money can buy, at very nominal cost. Specialized knowledge, plus imagination, were the ingredients that went into this unique and successful business. Last year the owner of that business paid an income tax of almost ten times as much as was paid by the merchant for whom he worked when the depression forced upon him a temporary adversity which proved to be a blessing in disguise. The beginning of this successful business was an IDEA! In as much as I had the privilege of supplying the unemployed salesman with that idea, I now assume the further privilege of suggesting another idea which has within it the possibility of even greater income. Also the possibility of rendering useful service to thousands of people who badly need that service. The idea was suggested by the salesman who gave up selling and went into the business of keeping books on a wholesale basis. When the plan was suggested as a solution of his unemployment problem, he quickly exclaimed, “I like the idea, but I would not know how to turn it into cash.” In other words, he complained he would not know how to market his bookkeeping knowledge after he acquired it. So, that brought up another problem which had to be solved. With the aid of a young woman typist, clever at hand lettering, and who could put the story together, a very attractive book was prepared, describing the advantages of the new system of bookkeeping. The pages were neatly typed and pasted in an ordinary scrapbook, which was used as a silent salesman with which the story of this new business was so effectively told that its owner soon had more accounts than he could handle. There are thousands of people, all over the country, who need the services of a merchandising specialist capable of preparing an attractive brief for use in marketing personal services. The aggregate annual income from such a service might easily exceed that received by the largest employment agency, and the benefits of the service might be made far greater to the purchaser than any to be obtained from an employment agency. The IDEA here described was born of necessity, to bridge an emergency which had to be covered, but it did not stop by merely serving one person. The woman who created the idea has a keen IMAGINATION. She saw in her newly born brain-child the making of a new profession, one that is destined to render valuable service to thousands of people who need practical guidance in marketing personal services. Spurred to action by the instantaneous success of her first “PREPARED PLAN TO MARKET PERSONAL SERVICES,” this energetic woman turned next to the solution of a similar problem for her son who had just finished college, but had been totally unable to find a market for his services. The plan she originated for his use was the finest specimen of merchandising of personal services I have ever seen. When the plan book had been completed, it contained nearly fifty pages of beautifully typed, properly organized information, telling the story of her son’s native ability, schooling, personal experiences, and a great variety of other information too extensive for description. The plan book also contained a complete description of the position her son desired, together with a marvelous word picture of the exact plan he would use in filling the position. The preparation of the plan book required several week’s labor, during which time its creator sent her son to the public library almost daily, to procure data needed in selling his services to best advantage. She sent him, also to all the competitors of his prospective employer, and gathered from them vital information concerning their business methods which was of great value in the formation of the plan he intended to use in filling the position he sought. When the plan had been finished, it contained more than half a dozen very fine suggestions for the use and benefit of the prospective employer (the suggestions were put into use by the company). One may be inclined to ask, “Why go to all this trouble to secure a job?” The answer is straight to the point, also it is dramatic, because it deals with a subject which assumes the proportion of a tragedy with millions of men and women whose sole source of income is personal services. The answer is, “DOING A THING WELL NEVER IS TROUBLE! THE PLAN PREPARED BY THIS WOMAN FOR THE BENEFIT OF HER SON, HELPED HIM GET THE JOB FOR WHICH HE APPLIED, AT THE FIRST INTERVIEW, AT A SALARY FIXED BY HIMSELF.” Moreover—and this, too, is important—THE POSITION DID NOT REQUIRE THE YOUNG MAN TO START AT THE BOTTOM. HE BEGAN AS A JUNIOR EXECUTIVE, AT AN EXECUTIVE’S SALARY. “Why go to all this trouble?” do you ask? Well, for one thing, the PLANNED PRESENTATION of this young man’s application for a position clipped off no less than ten years of time he would have required to get to where he began, had he “started at the bottom and worked his way up.” This idea of starting at the bottom and working one’s way up may appear to be sound, but the major objection to it is this—too many of those who begin at the bottom never manage to lift their heads high enough to be seen by OPPORTUNITY, so they remain at the bottom. It should be remembered, also, that the outlook from the bottom is not so very bright or encouraging. It has a tendency to kill off ambition. We call it “getting into a rut,” which means that we accept our fate because we form the HABIT of daily routine, a habit that finally becomes so strong we cease to try to throw it off. And that is another reason why it pays to start one or two steps above the bottom. By so doing one forms the HABIT of looking around, of observing how others get ahead, of seeing OPPORTUNITY, and of embracing it without hesitation. Dan Halpin is a splendid example of what I mean. During his college days, he was manager of the famous 1930 National Championship Notre Dame football team, when it was under the direction of the late Knute Rockne. Perhaps he was inspired by the great football coach to aim high, and NOT MISTAKE TEMPORARY DEFEAT FOR FAILURE, just as Andrew Carnegie, the great industrial leader, inspired his young business lieutenants to set high goals for themselves. At any rate, young Halpin finished college at a mighty unfavorable time, when the depression had made jobs scarce, so, after a fling at investment banking and motion pictures, he took the first opening with a potential future he could find—selling electrical hearing aids on a commission basis. ANYONE COULD START IN THAT SORT OF JOB, AND HALPIN KNEW IT, but it was enough to open the door of opportunity to him. For almost two years, he continued in a job not to his liking, and he would never have risen above that job if he had not done something about his dissatisfaction. He aimed, first, at the job of Assistant Sales Manager of his company, and got the job. That one step upward placed him high enough above the crowd to enable him to see still greater opportunity, also, it placed him where OPPORTUNITY COULD SEE HIM. He made such a fine record selling hearing aids, that A. M. Andrews, Chairman of the Board of the Dictograph Products Company, a business competitor of the company for which Halpin worked, wanted to know something about that man Dan Halpin who was taking big sales away from the long established Dictograph Company. He sent for Halpin. When the interview was over, Halpin was the new Sales Manager, in charge of the Acousticon Division. Then, to test young Halpin’s metal, Mr. Andrews went away to Florida for three months, leaving him to sink or swim in his new job. He did not sink! Knute Rockne’s spirit of “All the world loves a winner, and has no time for a loser,” inspired him to put so much into his job that he was recently elected Vice-President of the company, and General Manager of the Acousticon and Silent Radio Division, a job which most men would be proud to earn through ten years of loyal effort. Halpin turned the trick in little more than six months. It is difficult to say whether Mr. Andrews or Mr. Halpin is more deserving of eulogy, for the reason that both showed evidence of having an abundance of that very rare quality known as IMAGINATION. Mr. Andrews deserves credit for seeing, in young Halpin, a “go-getter” of the highest order. Halpin deserves credit for REFUSING TO COMPROMISE WITH LIFE BY ACCEPTING AND KEEPING A JOB HE DID NOT WANT, and that is one of the major points I am trying to emphasize through this entire philosophy—that we rise to high positions or remain at the bottom BECAUSE OF CONDITIONS WE CAN CONTROL IF WE DESIRE TO CONTROL THEM. I am also trying to emphasize another point, namely, that both success and failure are largely the results of HABIT! I have not the slightest doubt that Dan Halpin’s close association with the greatest football coach America ever knew, planted in his mind the same brand of DESIRE to excel which made the Notre Dame football team world famous. Truly, there is something to the idea that hero-worship is helpful, provided one worships a WINNER. Halpin tells me that Rockne was one of the world’s greatest leaders of men in all history. My belief in the theory that business associations are vital factors, both in failure and in success, was recently demonstrated, when my son Blair was negotiating with Dan Halpin for a position. Mr. Halpin offered him a beginning salary of about one half what he could have gotten from a rival company. I brought parental pressure to bear, and induced him to accept the place with Mr. Halpin, because I BELIEVE THAT CLOSE ASSOCIATION WITH ONE WHO REFUSES TO COMPROMISE WITH CIRCUMSTANCES HE DOES NOT LIKE, IS AN ASSET THAT CAN NEVER BE MEASURED IN TERMS OF MONEY. The bottom is a monotonous, dreary, unprofitable place for any person. That is why I have taken the time to describe how lowly beginnings may be circumvented by proper planning. Also, that is why so much space has been devoted to a description of this new profession, created by a woman who was inspired to do a fine job of PLANNING because she wanted her son to have a favorable “break.” With the changed conditions ushered in by the world economic collapse, came also the need for newer and better ways of marketing PERSONAL SERVICES. It is hard to determine why someone had not previously discovered this stupendous need, in view of the fact that more money changes hands in return for personal services than for any other purpose. The sum paid out monthly, to people who work for wages and salaries, is so huge that it runs into hundreds of millions, and the annual distribution amounts to billions. Perhaps some will find, in the IDEA here briefly described, the nucleus of the riches they DESIRE! Ideas with much less merit have been the seedlings from which great fortunes have grown. Woolworth’s Five and Ten Cent Store idea, for example, had far less merit, but it piled up a fortune for its creator. Those seeing OPPORTUNITY lurking in this suggestion will find valuable aid in the chapter on Organized Planning. Incidentally, an efficient merchandiser of personal services would find a growing demand for his services wherever there are men and women who seek better markets for their services. By applying the Master Mind principle, a few people with suitable talent, could form an alliance, and have a paying business very quickly. One would need to be a fair writer, with a flair for advertising and selling, one handy at typing and hand lettering, and one should be a first class business getter who would let the world know about the service. If one person possessed all these abilities, he might carry on the business alone, until it outgrew him. The woman who prepared the “Personal Service Sales Plan” for her son now receives requests from all parts of the country for her cooperation in preparing similar plans for others who desire to market their personal services for more money. She has a staff of expert typists, artists, and writers who have the ability to dramatize the case history so effectively that one’s personal services can be marketed for much more money than the prevailing wages for similar services. She is so confident of her ability that she accepts, as the major portion of her fee, a percentage of the increased pay she helps her clients to earn. It must not be supposed that her plan merely consists of clever salesmanship by which she helps men and women to demand and receive more money for the same services they formerly sold for less pay. She looks after the interests of the purchaser as well as the seller of personal services, and so prepares her plans that the employer receives full value for the additional money he pays. The method by which she accomplishes this astonishing result is a professional secret which she discloses to no one excepting her own clients. If you have the IMAGINATION, and seek a more profitable outlet for your personal services, this suggestion may be the stimulus for which you have been searching. The IDEA is capable of yielding an income far greater than that of the “average” doctor, lawyer, or engineer whose education required several years in college. The idea is saleable to those seeking new positions, in practically all positions calling for managerial or executive ability, and those desiring re-arrangement of incomes in their present positions. There is no fixed price for sound IDEAS! Back of all IDEAS is specialized knowledge. Unfortunately, for those who do not find riches in abundance, specialized knowledge is more abundant and more easily acquired than IDEAS. Because of this very truth, there is a universal demand and an ever-increasing opportunity for the person capable of helping men and women to sell their personal services advantageously. Capability means IMAGINATION, the one quality needed to combine specialized knowledge with IDEAS, in the form of ORGANIZED PLANS designed to yield riches. Back of all IDEAS is specialized knowledge. If you have IMAGINATION this chapter may present you with an idea sufficient to serve as the beginning of the riches you desire. Remember, the IDEA is the main thing. Specialized knowledge may be found just around the corner—any corner! Chapter Five Key Points 1. Knowledge does not forward your aims unless it is skillfully applied. 2. An idea is useful only through excellent application—never forget this. Many great ideas flounder for lack of intelligent use and knowhow. 3. You can—and must—acquire the skills and knowledge you lack through informed and qualified sources. Be willing to pay for these sources. 4. Opinions of others (and your own) are not useful guides. You must seek out specialized knowledge and research. 5. Focus, specialization, and expertise build valuable knowledge. In short, you do best what you do frequently. Be dedicated, focused, and clear in your work. 6. Defeats will come. Never mistake temporary defeat for failure. This is where persistence functions as your vital ally. 7. Persistence, training, and healthful habits allow you to vault past temporary defeat. Chapter 6 Imagination The Workshop of the Mind The Fifth Step to Riches The imagination is literally the workshop wherein are fashioned all plans created by man. The impulse, the DESIRE, is given shape, form, and ACTION through the aid of the imaginative faculty of the mind. It has been said that man can create anything which he can imagine. Of all the ages of civilization, this is the most favorable for the development of the imagination, because it is an age of rapid change. On every hand one may contact stimuli which develop the imagination. Through the aid of his imaginative faculty, man has discovered, and harnessed, more of Nature’s forces during the past fifty years than during the entire history of the human race, previous to that time. He has conquered the air so completely, that the birds are a poor match for him in flying. He has harnessed the ether, and made it serve as a means of instantaneous communication with any part of the world. He has analyzed, and weighed the sun at a distance of millions of miles, and has determined, through the aid of IMAGINATION, the elements of which it consists. He has discovered that his own brain is both a broadcasting, and a receiving station for the vibration of thought, and he is beginning now to learn how to make practical use of this discovery. He has increased the speed of locomotion, until he may now travel at a speed of more than three hundred miles an hour. The time will soon come when a man may breakfast in New York, and lunch in San Francisco. MAN’S ONLY LIMITATION, within reason, LIES IN HIS DEVELOPMENT AND USE OF HIS IMAGINATION. He has not yet reached the apex of development in the use of his imaginative faculty. He has merely discovered that he has an imagination, and has commenced to use it in a very elementary way. TWO FORMS OF IMAGINATION The imaginative faculty functions in two forms. One is known as “synthetic imagination,” and the other as “creative imagination.” SYNTHETIC IMAGINATION: Through this faculty, one may arrange old concepts, ideas, or plans into new combinations. This faculty creates nothing. It merely works with the material of experience, education, and observation with which it is fed. It is the faculty used most by the inventor, with the exception of the “genius” who draws upon the creative imagination, when he cannot solve his problem through synthetic imagination. CREATIVE IMAGINATION: Through the faculty of creative imagination, the finite mind of man has direct communication with Infinite Intelligence. It is the faculty through which “hunches” and “inspirations” are received. It is by this faculty that all basic, or new ideas are handed over to man. It is through this faculty that thought vibrations from the minds of others are received. It is through this faculty that one individual may “tune in,” or communicate with the subconscious minds of other men. The creative imagination works automatically, in the manner described in subsequent pages. This faculty functions ONLY when the conscious mind is vibrating at an exceedingly rapid rate, as for example, when the conscious mind is stimulated through the emotion of a strong desire. The creative faculty becomes more alert, more receptive to vibrations from the sources mentioned, in proportion to its development through USE. This statement is significant! Ponder over it before passing on. Keep in mind as you follow these principles, that the entire story of how one may convert DESIRE into money cannot be told in one statement. The story will be complete, only when one has MASTERED, ASSIMILATED, and BEGUN TO MAKE USE of all the principles. The great leaders of business, industry, finance, and the great artists, musicians, poets, and writers became great, because they developed the faculty of creative imagination. Both the synthetic and creative faculties of imagination become more alert with use, just as any muscle or organ of the body develops through use. Desire is only a thought, an impulse. It is nebulous and ephemeral. It is abstract, and of no value, until it has been transformed into its physical counterpart. While the synthetic imagination is the one which will be used most frequently, in the process of transforming the impulse of DESIRE into money, you must keep in mind the fact, that you may face circumstances and situations which demand use of the creative imagination as well. Your imaginative faculty may have become weak through inaction. It can be revived and made alert through USE. This faculty does not die, though it may become quiescent through lack of use. Center your attention, for the time being, on the development of the synthetic imagination, because this is the faculty which you will use more often in the process of converting desire into money. Transformation of the intangible impulse, of DESIRE, into the tangible reality, of MONEY, calls for the use of a plan, or plans. These plans must be formed with the aid of the imagination, and mainly, with the synthetic faculty. Read the entire book through, then come back to this chapter, and begin at once to put your imagination to work on the building of a plan, or plans, for the transformation of your DESIRE into money. Detailed instructions for the building of plans have been given in almost every chapter. Carry out the instructions best suited to your needs, reduce your plan to writing, if you have not already done so. The moment you complete this, you will have DEFINITELY given concrete form to the intangible DESIRE. Read the preceding sentence once more. Read it aloud, very slowly, and as you do so, remember that the moment you reduce the statement of your desire, and a plan for its realization, to writing, you have actually TAKEN THE FIRST of a series of steps, which will enable you to convert the thought into its physical counterpart. The earth on which you live, you, yourself, and every other material thing are the result of evolutionary change, through which microscopic bits of matter have been organized and arranged in an orderly fashion. Moreover—and this statement is of stupendous importance—this earth, every one of the billions of individual cells of your body, and every atom of matter, began as an intangible form of energy. DESIRE is thought impulse! Thought impulses are forms of energy. When you begin with the thought impulse, DESIRE, to accumulate money, you are drafting into your service the same “stuff” that Nature used in creating this earth, and every material form in the universe, including the body and brain in which the thought impulses function. As far as science has been able to determine, the entire universe consists of but two elements—matter and energy. Through the combination of energy and matter, has been created everything perceptible to man, from the largest star which floats in the heavens, down to, and including man, himself. You are now engaged in the task of trying to profit by Nature’s method. You are (sincerely and earnestly, we hope), trying to adapt yourself to Nature’s laws, by endeavoring to convert DESIRE into its physical or monetary equivalent. YOU CAN DO IT! IT HAS BEEN DONE BEFORE! You can build a fortune through the aid of laws which are immutable. But, first, you must become familiar with these laws, and learn to USE them. Through repetition, and by approaching the description of these principles from every conceivable angle, the author hopes to reveal to you the secret through which every great fortune has been accumulated. Strange and paradoxical as it may seem, the “secret” is NOT A SECRET. Nature, herself, advertises it in the earth on which we live, the stars, the planets suspended within our view, in the elements above and around us, in every blade of grass, and every form of life within our vision. Nature advertises this “secret” in the terms of biology, in the conversion of a tiny cell, so small that it may be lost on the point of a pin, into the HUMAN BEING now reading this line. The conversion of desire into its physical equivalent is, certainly, no more miraculous! Do not become discouraged if you do not fully comprehend all that has been stated. Unless you have long been a student of the mind, it is not to be expected that you will assimilate all that is in this chapter upon a first reading. But you will, in time, make good progress. The principles which follow will open the way for understanding of imagination. Assimilate that which you understand, as you read this philosophy for the first time, then, when you reread and study it, you will discover that something has happened to clarify it, and give you a broader understanding of the whole. Above all, DO NOT STOP, nor hesitate in your study of these principles until you have read the book at least THREE times, for then, you will not want to stop. HOW TO MAKE PRACTICAL USE OF IMAGINATION Ideas are the beginning points of all fortunes. Ideas are products of the imagination. Let us examine a few well known ideas which have yielded huge fortunes, with the hope that these illustrations will convey definite information concerning the method by which imagination may be used in accumulating riches. THE ENCHANTED KETTLE Fifty years ago, an old country doctor drove to town, hitched his horse, quietly slipped into a drug store by the back door, and began “dickering” with the young drug clerk. His mission was destined to yield great wealth to many people. It was destined to bring to the South the most far-flung benefit since the Civil War. For more than an hour, behind the prescription counter, the old doctor and the clerk talked in low tones. Then the doctor left. He went out to the buggy and brought back a large, old fashioned kettle, a big wooden paddle (used for stirring the contents of the kettle), and deposited them in the back of the store. The clerk inspected the kettle, reached into his inside pocket, took out a roll of bills, and handed it over to the doctor. The roll contained exactly $500.00—the clerk’s entire savings! The doctor handed over a small slip of paper on which was written a secret formula. The words on that small slip of paper were worth a King’s ransom! But not to the doctor! Those magic words were needed to start the kettle to boiling, but neither the doctor nor the young clerk knew what fabulous fortunes were destined to flow from that kettle. The old doctor was glad to sell the outfit for five hundred dollars. The money would pay off his debts, and give him freedom of mind. The clerk was taking a big chance by staking his entire life’s savings on a mere scrap of paper and an old kettle! He never dreamed his investment would start a kettle to overflowing with gold that would surpass the miraculous performance of Aladdin’s lamp. What the clerk really purchased was an IDEA! The old kettle and the wooden paddle, and the secret message on a slip of paper were incidental. The strange performance of that kettle began to take place after the new owner mixed with the secret instructions an ingredient of which the doctor knew nothing. Read this story carefully, give your imagination a test! See if you can discover what it was that the young man added to the secret message, which caused the kettle to overflow with gold. Remember, as you read, that this is not a story from Arabian Nights. Here you have a story of facts, stranger than fiction, facts which began in the form of an IDEA. Let us take a look at the vast fortunes of gold this idea has produced. It has paid, and still pays huge fortunes to men and women all over the world, who distribute the contents of the kettle to millions of people. The Old Kettle is now one of the world’s largest consumers of sugar, thus providing jobs of a permanent nature to thousands of men and women engaged in growing sugar cane, and in refining and marketing sugar. The Old Kettle consumes, annually, millions of glass bottles, providing jobs to huge numbers of glass workers. The Old Kettle gives employment to an army of clerks, stenographers, copy writers, and advertising experts throughout the nation. It has brought fame and fortune to scores of artists who have created magnificent pictures describing the product. The Old Kettle has converted a small Southern city into the business capital of the South, where it now benefits, directly, or indirectly, every business and practically every resident of the city. The influence of this idea now benefits every civilized country in the world, pouring out a continuous stream of gold to all who touch it. Gold from the kettle built and maintains one of the most prominent colleges of the South, where thousands of young people receive the training essential for success. The Old Kettle has done other marvelous things. All through the world depression, when factories, banks and business houses were folding up and quitting by the thousands, the owner of this Enchanted Kettle went marching on, giving continuous employment to an army of men and women all over the world, and paying out extra portions of gold to those who, long ago, had faith in the idea. If the product of that old brass kettle could talk, it would tell thrilling tales of romance in every language. Romances of love, romances of business, romances of professional men and women who are daily being stimulated by it. The author is sure of at least one such romance, for he was a part of it, and it all began not far from the very spot on which the drug clerk purchased the old kettle. It was here that the author met his wife, and it was she who first told him of the Enchanted Kettle. It was the product of that Kettle they were drinking when he asked her to accept him “for better or worse.” Now that you know the content of the Enchanted Kettle is a world famous drink, it is fitting that the author confess that the home city of the drink supplied him with a wife, also that the drink itself provides him with stimulation of thought without intoxication, and thereby it serves to give the refreshment of mind which an author must have to do his best work. Whoever you are, wherever you may live, whatever occupation you may be engaged in, just remember in the future, every time you see the words “Coca-Cola,” that its vast empire of wealth and influence grew out of a single IDEA, and that the mysterious ingredient the drug clerk—Asa Candler —mixed with the secret formula was … IMAGINATION! Stop and think of that, for a moment. Remember, also, that the thirteen steps to riches, described in this book, were the media through which the influence of Coca-Cola has been extended to every city, town, village, and cross-roads of the world, and that ANY IDEA you may create, as sound and meritorious as Coca-Cola, has the possibility of duplicating the stupendous record of this world-wide thirstkiller. Truly, thoughts are things, and their scope of operation is the world, itself. WHAT I WOULD DO IF I HAD A MILLION DOLLARS This story proves the truth of that old saying, “Where there’s a will, there’s a way.” It was told to me by that beloved educator and clergyman, the late Frank W. Gunsaulus, who began his preaching career in the stockyards region of South Chicago. While Dr. Gunsaulus was going through college, he observed many defects in our educational system, defects which he believed he could correct, if he were the head of a college. His deepest desire was to become the directing head of an educational institution in which young men and women would be taught to “learn by doing.” He made up his mind to organize a new college in which he could carry out his ideas, without being handicapped by orthodox methods of education. He needed a million dollars to put the project across! Where was he to lay his hands on so large a sum of money? That was the question that absorbed most of this ambitious young preacher’s thought. But he couldn’t seem to make any progress. Every night he took that thought to bed with him. He got up with it in the morning. He took it with him everywhere he went. He turned it over and over in his mind until it became a consuming obsession with him. A million dollars is a lot of money. He recognized that fact, but he also recognized the truth that the only limitation is that which one sets up in one’s own mind. Being a philosopher as well as a preacher, Dr. Gunsaulus recognized, as do all who succeed in life, that DEFINITENESS OF PURPOSE is the starting point from which one must begin. He recognized, too, that definiteness of purpose takes on animation, life, and power when backed by a BURNING DESIRE to translate that purpose into its material equivalent. He knew all these great truths, yet he did not know where, or how to lay his hands on a million dollars. The natural procedure would have been to give up and quit, by saying, “Ah well, my idea is a good one, but I cannot do anything with it, because I never can procure the necessary million dollars.” That is exactly what the majority of people would have said, but it is not what Dr. Gunsaulus said. What he said, and what he did are so important that I now introduce him, and let him speak for himself. “One Saturday afternoon I sat in my room thinking of ways and means of raising the money to carry out my plans. For nearly two years, I had been thinking, but I had done nothing but think! “The time had come for ACTION! “I made up my mind, then and there, that I would get the necessary million dollars within a week. How? I was not concerned about that. The main thing of importance was the decision to get the money within a specified time, and I want to tell you that the moment I reached a definite decision to get the money within a specified time, a strange feeling of assurance came over me, such as I had never before experienced. Something inside me seemed to say, ‘Why didn’t you reach that decision a long time ago? The money was waiting for you all the time!’ “Things began to happen in a hurry. I called the newspapers and announced I would preach a sermon the following morning, entitled, ‘What I would do if I had a Million Dollars.’ “I went to work on the sermon immediately, but I must tell you, frankly, the task was not difficult, because I had been preparing that sermon for almost two years. The spirit back of it was a part of me! “Long before midnight I had finished writing the sermon. I went to bed and slept with a feeling of confidence, for I could see myself already in possession of the million dollars. “Next morning I arose early, went into the bathroom, read the sermon, then knelt on my knees and asked that my sermon might come to the attention of someone who would supply the needed money. “While I was praying I again had that feeling of assurance that the money would be forthcoming. In my excitement, I walked out without my sermon, and did not discover the oversight until I was in my pulpit and about ready to begin delivering it. “It was too late to go back for my notes, and what a blessing that I couldn’t go back! Instead, my own subconscious mind yielded the material I needed. When I arose to begin my sermon, I closed my eyes, and spoke with all my heart and soul of my dreams. I not only talked to my audience, but I fancy I talked also to God. I told what I would do with a million dollars if that amount were placed in my hands. I described the plan I had in mind for organizing a great educational institution, where young people would learn to do practical things, and at the same time develop their minds. “When I had finished and sat down, a man slowly arose from his seat, about three rows from the rear, and made his way toward the pulpit. I wondered what he was going to do. He came into the pulpit, extended his hand, and said, ‘Reverend, I liked your sermon. I believe you can do everything you said you would, if you had a million dollars. To prove that I believe in you and your sermon, if you will come to my office tomorrow morning, I will give you the million dollars. My name is Phillip D. Armour.’” Young Gunsaulus went to Mr. Armour’s office and the million dollars was presented to him. With the money, he founded the Armour Institute of Technology. That is more money than the majority of preachers ever see in an entire lifetime, yet the thought impulse back of the money was created in the young preacher’s mind in a fraction of a minute. The necessary million dollars came as a result of an idea. Back of the idea was a DESIRE which young Gunsaulus had been nursing in his mind for almost two years. Observe this important fact … HE GOT THE MONEY WITHIN THIRTY-SIX HOURS AFTER HE REACHED A DEFINITE DECISION IN HIS OWN MIND TO GET IT, AND DECIDED UPON A DEFINITE PLAN FOR GETTING IT! There was nothing new or unique about young Gunsaulus’ vague thinking about a million dollars, and weakly hoping for it. Others before him, and many since his time, have had similar thoughts. But there was something very unique and different about the decision he reached on that memorable Saturday, when he put vagueness into the background, and definitely said, “I WILL get that money within a week!” God seems to throw Himself on the side of the man who knows exactly what he wants, if he is determined to get JUST THAT! Moreover, the principle through which Dr. Gunsaulus got his million dollars is still alive! It is available to you! This universal law is as workable today as it was when the young preacher made use of it so successfully. This book describes, step by step, the thirteen elements of this great law, and suggests how they may be put to use. Observe that Asa Candler and Dr. Frank Gunsaulus had one characteristic in common. Both knew the astounding truth that IDEAS CAN BE TRANSMUTED INTO CASH THROUGH THE POWER OF DEFINITE PURPOSE, PLUS DEFINITE PLANS. If you are one of those who believe that hard work and honesty, alone, will bring riches, perish the thought! It is not true! Riches, when they come in huge quantities, are never the result of HARD work! Riches come, if they come at all, in response to definite demands, based upon the application of definite principles, and not by chance or luck. Generally speaking, an idea is an impulse of thought that impels action, by an appeal to the imagination. All master salesmen know that ideas can be sold where merchandise cannot. Ordinary salesmen do not know this—that is why they are “ordinary.” A publisher of books, which sell for a nickel, made a discovery that should be worth much to publishers generally. He learned that many people buy titles, and not contents of books. By merely changing the name of one book that was not moving, his sales on that book jumped upward more than a million copies. The inside of the book was not changed in any way. He merely ripped off the cover bearing the title that did not sell, and put on a new cover with a title that had “box-office” value. That, as simple as it may seem, was an IDEA! It was IMAGINATION. There is no standard price on ideas. The creator of ideas makes his own price, and, if he is smart, gets it. The moving picture industry created a whole flock of millionaires. Most of them were men who couldn’t create ideas—BUT—they had the imagination to recognize ideas when they saw them. The next flock of millionaires will grow out of the radio business, which is new and not overburdened with men of keen imagination. The money will be made by those who discover or create new and more meritorious radio programmes and have the imagination to recognize merit, and to give the radio listeners a chance to profit by it. The sponsor! That unfortunate victim who now pays the cost of all radio “entertainment,” soon will become idea conscious, and demand something for his money. The man who beats the sponsor to the draw, and supplies programmes that render useful service, is the man who will become rich in this new industry. Crooners and light chatter artists who now pollute the air with wisecracks and silly giggles, will go the way of all light timbers, and their places will be taken by real artists who interpret carefully planned programmes which have been designed to service the minds of men, as well as provide entertainment. Here is a wide open field of opportunity screaming its protest at the way it is being butchered, because of lack of imagination, and begging for rescue at any price. Above all, the thing that radio needs is new IDEAS! If this new field of opportunity intrigues you, perhaps you might profit by the suggestion that the successful radio programmes of the future will give more attention to creating “buyer” audiences, and less attention to “listener” audiences. Stated more plainly, the builder of radio programmes who succeeds in the future, must find practical ways to convert “listeners” into “buyers.” Moreover, the successful producer of radio programmes in the future must key his features so that he can definitely show its effect upon the audience. Sponsors are becoming a bit weary of buying glib selling talks, based upon statements grabbed out of thin air. They want, and in the future will demand, indisputable proof that the Whoosit programme not only gives millions of people the silliest giggle ever, but that the silly giggler can sell merchandise! Another thing that might as well be understood by those who contemplate entering this new field of opportunity, radio advertising is going to be handled by an entirely new group of advertising experts, separate and distinct from the old time newspaper and magazine advertising agency men. The old timers in the advertising game cannot read the modern radio scripts, because they have been schooled to SEE ideas. The new radio technique demands men who can interpret ideas from a written manuscript in terms of SOUND! It cost the author a year of hard labor, and many thousands of dollars to learn this. Radio, right now, is about where the moving pictures were, when Mary Pickford and her curls first appeared on the screen. There is plenty of room in radio for those who can produce or recognize IDEAS. If the foregoing comment on the opportunities of radio has not started your idea factory to work, you had better forget it. Your opportunity is in some other field. If the comment intrigued you in the slightest degree, then go further into it, and you may find the one IDEA you need to round out your career. Never let it discourage you if you have no experience in radio. Andrew Carnegie knew very little about making steel—I have Carnegie’s own word for this—but he made practical use of two of the principles described in this book, and made the steel business yield him a fortune. The story of practically every great fortune starts with the day when a creator of ideas and a seller of ideas got together and worked in harmony. Carnegie surrounded himself with men who could do all that he could not do. Men who created ideas, and men who put ideas into operation, and made himself and the others fabulously rich. Millions of people go through life hoping for favorable “breaks.” Perhaps a favorable break can get one an opportunity, but the safest plan is not to depend upon luck. It was a favorable “break” that gave me the biggest opportunity of my life—but—twenty-five years of determined effort had to be devoted to that opportunity before it became an asset. The “break” consisted of my good fortune in meeting and gaining the cooperation of Andrew Carnegie. On that occasion Carnegie planted in my mind the idea of organizing the principles of achievement into a philosophy of success. Thousands of people have profited by the discoveries made in the twenty-five years of research, and several fortunes have been accumulated through the application of the philosophy. The beginning was simple. It was an IDEA which anyone might have developed. The favorable break came through Carnegie, but what about the DETERMINATION, DEFINITENESS OF PURPOSE, and the DESIRE TO ATTAIN THE GOAL, and the PERSISTENT EFFORT OF TWENTY-FIVE YEARS? It was no ordinary DESIRE that survived disappointment, discouragement, temporary defeat, criticism, and the constant reminding of “waste of time.” It was a BURNING DESIRE! an OBSESSION! When the idea was first planted in my mind by Mr. Carnegie, it was coaxed, nursed, and enticed to remain alive. Gradually, the idea became a giant under its own power, and it coaxed, nursed, and drove me. Ideas are like that. First you give life and action and guidance to ideas, then they take on power of their own and sweep aside all opposition. Ideas are intangible forces, but they have more power than the physical brains that give birth to them. They have the power to live on, after the brain that creates them has returned to dust. For example, take the power of Christianity. That began with a simple idea, born in the brain of Christ. Its chief tenet was, “do unto others as you would have others do unto you.” Christ has gone back to the source from whence He came, but His IDEA goes marching on. Some day, it may grow up, and come into its own, then it will have fulfilled Christ’s deepest DESIRE. The IDEA has been developing only two thousand years. Give it time! Ideas are intangible forces, but they have more power than the physical brains that give birth to them. Chapter Six Key Points 1. Imagination connects ideas with plans and application. 2. The rigor of your work and preparation tones and prepares your imagination. 3. Hunches and flashes of insight are valuable only in proportion to the effort expended in your work and attainment of knowledge. 4. Imagination, used properly, is not a source of escapism but of concrete plans. 5. What are you selling? Allow your imagination to help you understand the actual nature of your product as perceived by its users. 6. Imagination plus organized plans connects specialized knowledge with ideas. SUCCESS REQUIRES NO EXPLANATIONS FAILURE PERMITS NO ALIBIS Chapter 7 Organized Planning The Crystallization of Desire Into Action The Sixth Step to Riches You have learned that everything man creates or acquires, begins in the form of DESIRE, that desire is taken on the first lap of its journey, from the abstract to the concrete, into the workshop of the IMAGINATION, where PLANS for its transition are created and organized. In Chapter two, you were instructed to take six definite, practical steps, as your first move in translating the desire for money into its monetary equivalent. One of these steps is the formation of a DEFINITE, practical plan, or plans, through which this transformation may be made. You will now be instructed how to build plans which will be practical, viz: (a) Ally yourself with a group of as many people as you may need for the creation, and carrying out of your plan, or plans for the accumulation of money—making use of the “Master Mind” principle described in a later chapter. (Compliance with this instruction is absolutely essential. Do not neglect it.) (b) Before forming your “Master Mind” alliance, decide what advantages, and benefits, you may offer the individual members of your group, in return for their cooperation. No one will work indefinitely without some form of compensation. No intelligent person will either request or expect another to work without adequate compensation, although this may not always be in the form of money. (c) Arrange to meet with the members of your “Master Mind” group at least twice a week, and more often if possible, until you have jointly perfected the necessary plan, or plans for the accumulation of money. (d) Maintain PERFECT HARMONY between yourself and every member of your “Master Mind” group. If you fail to carry out this instruction to the letter, you may expect to meet with failure. The “Master Mind” principle cannot obtain where PERFECT HARMONY does not prevail. Keep in mind these facts:— First. You are engaged in an undertaking of major importance to you. To be sure of success, you must have plans which are faultless. Second. You must have the advantage of the experience, education, native ability and imagination of other minds. This is in harmony with the methods followed by every person who has accumulated a great fortune. No individual has sufficient experience, education, native ability, and knowledge to insure the accumulation of a great fortune, without the cooperation of other people. Every plan you adopt, in your endeavor to accumulate wealth, should be the joint creation of yourself and every other member of your “Master Mind” group. You may originate your own plans, either in whole or in part, but SEE THAT THOSE PLANS ARE CHECKED, AND APPROVED BY THE MEMBERS OF YOUR “MASTER MIND” ALLIANCE. If the first plan which you adopt does not work successfully, replace it with a new plan, if this new plan fails to work, replace it, in turn with still another, and so on, until you find a plan which DOES WORK. Right here is the point at which the majority of men meet with failure, because of their lack of PERSISTENCE in creating new plans to take the place of those which fail. The most intelligent man living cannot succeed in accumulating money— nor in any other undertaking—without plans which are practical and workable. Just keep this fact in mind, and remember when your plans fail, that temporary defeat is not permanent failure. It may only mean that your plans have not been sound. Build other plans. Start all over again. Thomas A. Edison “failed” ten thousand times before he perfected the incandescent electric light bulb. That is—he met with temporary defeat ten thousand times, before his efforts were crowned with success. Temporary defeat should mean only one thing, the certain knowledge that there is something wrong with your plan. Millions of men go through life in misery and poverty, because they lack a sound plan through which to accumulate a fortune. Henry Ford accumulated a fortune, not because of his superior mind, but because he adopted and followed a PLAN which proved to be sound. A thousand men could be pointed out, each with a better education than Ford’s, yet each of whom lives in poverty, because he does not possess the RIGHT plan for the accumulation of money. Your achievement can be no greater than your PLANS are sound. That may seem to be an axiomatic statement, but it is true. Samuel Insull lost his fortune of over one hundred million dollars. The Insull fortune was built on plans which were sound. The business depression forced Mr. Insull to CHANGE HIS PLANS; and the CHANGE brought “temporary defeat,” because his new plans were NOT SOUND. Mr. Insull is now an old man, he may, consequently, accept “failure” instead of “temporary defeat,” but if his experience turns out to be FAILURE, it will be for the reason that he lacks the fire of PERSISTENCE to rebuild his plans. No man is ever whipped, until he QUITS—in his own mind. No man is ever whipped, until he QUITS—in his own mind. This fact will be repeated many times, because it is so easy to “take the count” at the first sign of defeat. James J. Hill met with temporary defeat when he first endeavored to raise the necessary capital to build a railroad from the East to the West, but he, too turned defeat into victory through new plans. Henry Ford met with temporary defeat, not only at the beginning of his automobile career, but after he had gone far toward the top. He created new plans, and went marching on to financial victory. We see men who have accumulated great fortunes, but we often recognize only their triumph, overlooking the temporary defeats which they had to surmount before “arriving.” NO FOLLOWER OF THIS PHILOSOPHY CAN REASONABLY EXPECT TO ACCUMULATE A FORTUNE WITHOUT EXPERIENCING “TEMPORARY DEFEAT.” When defeat comes, accept it as a signal that your plans are not sound, rebuild those plans, and set sail once more toward your coveted goal. If you give up before your goal has been reached, you are a “quitter.” A QUITTER NEVER WINS—AND—A WINNER NEVER QUITS. Lift this sentence out, write it on a piece of paper in letters an inch high, and place it where you will see it every night before you go to sleep, and every morning before you go to work. NO FOLLOWER OF THIS PHILOSOPHY CAN REASONABLY EXPECT TO ACCUMULATE A FORTUNE WITHOUT EXPERIENCING “TEMPORARY DEFEAT.” When you begin to select members for your “Master Mind” group, endeavor to select those who do not take defeat seriously. Some people foolishly believe that only MONEY can make money. This is not true! DESIRE, transmuted into its monetary equivalent, through the principles laid down here, is the agency through which money is “made.” Money, of itself, is nothing but inert matter. It cannot move, think, or talk, but it can “hear” when a man who DESIRES it, calls it to come! PLANNING THE SALE OF SERVICES The remainder of this chapter has been given over to a description of ways and means of marketing personal services. The information here conveyed will be of practical help to any person having any form of personal services to market, but it will be of priceless benefit to those who aspire to leadership in their chosen occupations. Intelligent planning is essential for success in any undertaking designed to accumulate riches. Here will be found detailed instructions to those who must begin the accumulation of riches by selling personal services. It should be encouraging to know that practically all the great fortunes began in the form of compensation for personal services, or from the sale of IDEAS. What else, except ideas and personal services, would one not possessed of property have to give in return for riches? Broadly speaking, there are two types of people in the world. One type is known as LEADERS, and the other as FOLLOWERS. Decide at the outset whether you intend to become a leader in your chosen calling, or remain a follower. The difference in compensation is vast. The follower cannot reasonably expect the compensation to which a leader is entitled, although many followers make the mistake of expecting such pay. It is no disgrace to be a follower. On the other hand, it is no credit to remain a follower. Most great leaders began in the capacity of followers. They became great leaders because they were INTELLIGENT FOLLOWERS. With few exceptions, the man who cannot follow a leader intelligently, cannot become an efficient leader. The man who can follow a leader most efficiently, is usually the man who develops into leadership most rapidly. An intelligent follower has many advantages, among them the OPPORTUNITY TO ACQUIRE KNOWLEDGE FROM HIS LEADER. THE MAJOR ATTRIBUTES OF LEADERSHIP The following are important factors of leadership: 1. UNWAVERING COURAGE based upon knowledge of self, and of one’s occupation. No follower wishes to be dominated by a leader who lacks self-confidence and courage. No intelligent follower will be dominated by such a leader very long. 2. SELF-CONTROL. The man who cannot control himself, can never control others. Self-control sets a mighty example for one’s followers, which the more intelligent will emulate. 3. A KEEN SENSE OF JUSTICE. Without a sense of fairness and justice, no leader can command and retain the respect of his followers. 4. DEFINITENESS OF DECISION. The man who wavers in his decisions, shows that he is not sure of himself. He cannot lead others successfully. 5. DEFINITENESS OF PLANS. The successful leader must plan his work, and work his plan. A leader who moves by guesswork, without practical, definite plans, is comparable to a ship without a rudder. Sooner or later he will land on the rocks. 6. THE HABIT OF DOING MORE THAN PAID FOR. One of the penalties of leadership is the necessity of willingness, upon the part of the leader, to do more than he requires of his followers. 7. A PLEASING PERSONALITY. No slovenly, careless person can become a successful leader. Leadership calls for respect. Followers will not respect a leader who does not grade high on all of the factors of a Pleasing Personality. 8. SYMPATHY AND UNDERSTANDING. The successful leader must be in sympathy with his followers. Moreover, he must understand them and their problems. 9. MASTERY OF DETAIL. Successful leadership calls for mastery of details of the leader’s position. 10. WILLINGNESS TO ASSUME FULL RESPONSIBILITY. The successful leader must be willing to assume responsibility for the mistakes and the shortcomings of his followers. If he tries to shift this responsibility, he will not remain the leader. If one of his followers makes a mistake, and shows himself incompetent, the leader must consider that it is he who failed. 11. COOPERATION. The successful leader must understand, and apply the principle of cooperative effort and be able to induce his followers to do the same. Leadership calls for POWER, and power calls for COOPERATION. There are two forms of Leadership. The first, and by far the most effective, is LEADERSHIP BY CONSENT of, and with the sympathy of the followers. The second is LEADERSHIP BY FORCE, without the consent and sympathy of the followers. History is filled with evidences that Leadership by Force cannot endure. The downfall and disappearance of “Dictators” and kings is significant. It means that people will not follow forced leadership indefinitely. The world has just entered a new era of relationship between leaders and followers, which very clearly calls for new leaders, and a new brand of leadership in business and industry. Those who belong to the old school of leadership-by-force, must acquire an understanding of the new brand of leadership (cooperation) or be relegated to the rank and file of the followers. There is no other way out for them. The relationship of employer and employee, or of leader and follower, in the future, will be one of mutual cooperation, based upon an equitable division of the profits of business. In the future, the relationship of employer and employee will be more like a partnership than it has been in the past. Napoleon, Kaiser Wilhelm of Germany, the Czar of Russia, and the King of Spain were examples of leadership by force. Their leadership passed. Without much difficulty, one might point to the prototypes of these ex-leaders, among the business, financial, and labor leaders of America who have been dethroned or slated to go. Leadership-by-consent of the followers is the only brand which can endure! Men may follow the forced leadership temporarily, but they will not do so willingly. The new brand of LEADERSHIP will embrace the eleven factors of leadership, described in this chapter, as well as some other factors. The man who makes these the basis of his leadership, will find abundant opportunity to lead in any walk of life. The depression was prolonged, largely, because the world lacked LEADERSHIP of the new brand. At the end of the depression, the demand for leaders who are competent to apply the new methods of leadership has greatly exceeded the supply. Some of the old type of leaders will reform and adapt themselves to the new brand of leadership, but generally speaking, the world will have to look for new timber for its leadership. This necessity may be your OPPORTUNITY! THE 10 MAJOR CAUSES OF FAILURE IN LEADERSHIP We come now to the major faults of leaders who fail, because it is just as essential to know WHAT NOT TO DO as it is to know what to do. 1. INABILITY TO ORGANIZE DETAILS. Efficient leadership calls for ability to organize and to master details. No genuine leader is ever “too busy” to do anything which may be required of him in his capacity as leader. When a man, whether he is a leader or follower, admits that he is “too busy” to change his plans, or to give attention to any emergency, he admits his inefficiency. The successful leader must be the master of all details connected with his position. That means, of course, that he must acquire the habit of relegating details to capable lieutenants. 2. UNWILLINGNESS TO RENDER HUMBLE SERVICE. Truly great leaders are willing, when occasion demands, to perform any sort of labor which they would ask another to perform. “The greatest among ye shall be the servant of all” is a truth which all able leaders observe and respect. 3. EXPECTATION OF PAY FOR WHAT THEY “KNOW” INSTEAD OF WHAT THEY DO WITH THAT WHICH THEY KNOW. The world does not pay men for that which they “know.” It pays them for what they DO, or induce others to do. 4. FEAR OF COMPETITION FROM FOLLOWERS. The leader who fears that one of his followers may take his position is practically sure to realize that fear sooner or later. The able leader trains understudies to whom he may delegate, at will, any of the details of his position. Only in this way may a leader multiply himself and prepare himself to be at many places, and give attention to many things at one time. It is an eternal truth that men receive more pay for their ABILITY TO GET OTHERS TO PERFORM, than they could possibly earn by their own efforts. An efficient leader may, through his knowledge of his job and the magnetism of his personality, greatly increase the efficiency of others, and induce them to render more service and better service than they could render without his aid. 5. LACK OF IMAGINATION. Without imagination, the leader is incapable of meeting emergencies, and of creating plans by which to guide his followers efficiently. 6. SELFISHNESS. The leader who claims all the honor for the work of his followers, is sure to be met by resentment. The really great leader CLAIMS NONE OF THE HONORS. He is contented to see the honors, when there are any, go to his followers, because he knows that most men will work harder for commendation and recognition than they will for money alone. 7. INTEMPERANCE. Followers do not respect an intemperate leader. Moreover, intemperance in any of its various forms, destroys the endurance and the vitality of all who indulge in it. 8. DISLOYALTY. Perhaps this should have come at the head of the list. The leader who is not loyal to his trust, and to his associates, those above him, and those below him, cannot long maintain his leadership. Disloyalty marks one as being less than the dust of the earth, and brings down on one’s head the contempt he deserves. Lack of loyalty is one of the major causes of failure in every walk of life. 9. EMPHASIS OF THE “AUTHORITY” OF LEADERSHIP. The efficient leader leads by encouraging, and not by trying to instill fear in the hearts of his followers. The leader who tries to impress his followers with his “authority” comes within the category of leadership through FORCE. If a leader is a REAL LEADER, he will have no need to advertise that fact except by his conduct—his sympathy, understanding, fairness, and a demonstration that he knows his job. 10. EMPHASIS OF TITLE. The competent leader requires no “title” to give him the respect of his followers. The man who makes too much over his title generally has little else to emphasize. The doors to the office of the real leader are open to all who wish to enter, and his working quarters are free from formality or ostentation. These are among the more common of the causes of failure in leadership. Any one of these faults is sufficient to induce failure. Study the list carefully if you aspire to leadership, and make sure that you are free of these faults. SOME FERTILE FIELDS IN WHICH “NEW LEADERSHIP” WILL BE REQUIRED Before leaving this chapter, your attention is called to a few of the fertile fields in which there has been a decline of leadership, and in which the new type of leader may find an abundance of OPPORTUNITY. First. In the field of politics there is a most insistent demand for new leaders; a demand which indicates nothing less than an emergency. The majority of politicians have, seemingly, become high-grade, legalized racketeers. They have increased taxes and debauched the machinery of industry and business until the people can no longer stand the burden. Second. The banking business is undergoing a reform. The leaders in this field have almost entirely lost the confidence of the public. Already the bankers have sensed the need of reform, and they have begun it. Third. Industry calls for new leaders. The old type of leaders thought and moved in terms of dividends instead of thinking and moving in terms of human equations! The future leader in industry, to endure, must regard himself as a quasi-public official whose duty it is to manage his trust in such a way that it will work hardship on no individual, or group of individuals. Exploitation of working men is a thing of the past. Let the man who aspires to leadership in the field of business, industry, and labor remember this. Fourth. The religious leader of the future will be forced to give more attention to the temporal needs of his followers, in the solution of their economic and personal problems of the present, and less attention to the dead past, and the yet unborn future. Fifth. In the professions of law, medicine, and education, a new brand of leadership, and to some extent, new leaders will become a necessity. This is especially true in the field of education. The leader in that field must, in the future, find ways and means of teaching people HOW TO APPLY the knowledge they receive in school. He must deal more with PRACTICE and less with THEORY. Sixth. New leaders will be required in the field of Journalism. Newspapers of the future, to be conducted successfully, must be divorced from “special privilege” and relieved from the subsidy of advertising. They must cease to be organs of propaganda for the interests which patronize their advertising columns. The type of newspaper which publishes scandal and lewd pictures will eventually go the way of all forces which debauch the human mind. These are but a few of the fields in which opportunities for new leaders and a new brand of leadership are now available. The world is undergoing a rapid change. This means that the media through which the changes in human habits are promoted, must be adapted to the changes. The media here described, are the ones which, more than any others, determine the trend of civilization. WHEN AND HOW TO APPLY FOR A POSITION The information described here is the net result of many years of experience during which thousands of men and women were helped to market their services effectively. It can, therefore, be relied upon as sound and practical. MEDIA THROUGH WHICH SERVICES MAY BE MARKETED Experience has proved that the following media offer the most direct and effective methods of bringing the buyer and seller of personal services together. 1. EMPLOYMENT BUREAUS. Care must be taken to select only reputable bureaus, the management of which can show adequate records of achievement of satisfactory results. There are comparatively few such bureaus. 2. ADVERTISING in newspapers, trade journals, magazines, and radio. Classified advertising may usually be relied upon to produce satisfactory results in the case of those who apply for clerical or ordinary salaried positions. Display advertising is more desirable in the case of those who seek executive connections, the copy to appear in the section of the paper which is most apt to come to the attention of the class of employer being sought. The copy should be prepared by an expert, who understands how to inject sufficient selling qualities to produce replies. 3. PERSONAL LETTERS OF APPLICATION, directed to particular firms or individuals most apt to need such services as are being offered. Letters should be neatly typed, ALWAYS, and signed by hand. With the letter, should be sent a complete “brief” or outline of the applicant’s qualifications. Both the letter of application and the brief of experience or qualifications should be prepared by an expert. (See instructions as to information to be supplied). 4. APPLICATION THROUGH PERSONAL ACQUAINTANCES. When possible, the applicant should endeavor to approach prospective employers through some mutual acquaintance. This method of approach is particularly advantageous in the case of those who seek executive connections and do not wish to appear to be “peddling” themselves. 5. APPLICATION IN PERSON. In some instances, it may be more effective if the applicant offers personally, his services to prospective employers, in which event a complete written statement of qualifications for the position should be presented, for the reason that prospective employers often wish to discuss with associates, one’s record. INFORMATION TO BE SUPPLIED IN A WRITTEN “BRIEF” This brief should be prepared as carefully as a lawyer would prepare the brief of a case to be tried in court. Unless the applicant is experienced in the preparation of such briefs, an expert should be consulted, and his services enlisted for this purpose. Successful merchants employ men and women who understand the art and the psychology of advertising to present the merits of their merchandise. One who has personal services for sale should do the same. The following information should appear in the brief: 1. Education. State briefly, but definitely, what schooling you have had, and in what subjects you specialized in school, giving the reasons for that specialization. 2. Experience. If you have had experience in connection with positions similar to the one you seek, describe it fully, state names and addresses of former employers. Be sure to bring out clearly any special experience you may have had which would equip you to fill the position you seek. 3. References. Practically every business firm desires to know all about the previous records, antecedents, etc., of prospective employees who seek positions of responsibility. Attach to your brief photostatic copies of letters from: a. Former employers b. Teachers under whom you studied c. Prominent people whose judgment may be relied upon. 4. Photograph of self. Attach to your brief a recent, unmounted photograph of yourself. 5. Apply for a specific position. Avoid application for a position without describing EXACTLY what particular position you seek. Never apply for “just a position.” That indicates you lack specialized qualifications. 6. State your qualifications for the particular position for which you apply. Give full details as to the reason you believe you are qualified for the particular position you seek. This is THE MOST IMPORTANT DETAIL OF YOUR APPLICATION. It will determine, more than anything else, what consideration you receive. 7. Offer to go to work on probation. In the majority of instances if you are determined to have the position for which you apply, it will be most effective if you offer to work for a week, or a month, or for a sufficient length of time to enable your prospective employer to judge your value WITHOUT PAY. This may appear to be a radical suggestion, but experience has proved that it seldom fails to win at least a trial. If you are SURE OF YOUR QUALIFICATIONS, a trial is all you need. Incidentally, such an offer indicates that you have confidence in your ability to fill the position you seek. It is most convincing. If your offer is accepted, and you make good, more than likely you will be paid for your “probation” period. Make clear the fact that your offer is based upon: a. Your confidence in your ability to fill the position. b. Your confidence in your prospective employer’s decision to employ you after trial. c. Your DETERMINATION to have the position you seek. 8. Knowledge of your prospective employer’s business. Before applying for a position, do sufficient research in connection with the business to familiarize yourself thoroughly with that business, and indicate in your brief the knowledge you have acquired in this field. This will be impressive, as it will indicate that you have imagination, and a real interest in the position you seek. Remember that it is not the lawyer who knows the most law, but the one who best prepares his case, who wins. If your “case” is properly prepared and presented, your victory will have been more than half won at the outset. Do not be afraid of making your brief too long. Employers are just as much interested in purchasing the services of well-qualified applicants as you are in securing employment. In fact, the success of most successful employers is due, in the main, to their ability to select well-qualified lieutenants. They want all the information available. Remember another thing; neatness in the preparation of your brief will indicate that you are a painstaking person. I have helped to prepare briefs for clients which were so striking and out of the ordinary that they resulted in the employment of the applicant without a personal interview. When your brief has been completed, have it neatly bound by an experienced binder, and lettered by an artist, or printer similar to the following: Change names each time brief is shown. This personal touch is sure to command attention. Have your brief neatly typed or mimeographed on the finest paper you can obtain, and bound with a heavy paper of the book-cover variety, the binder to be changed, and the proper firm name to be inserted if it is to be shown to more than one company. Your photograph should be pasted on one of the pages of your brief. Follow these instructions to the letter, improving upon them wherever your imagination suggests. Successful salesmen groom themselves with care. They understand that first impressions are lasting. Your brief is your salesman. Give it a good suit of clothes, so it will stand out in bold contrast to anything your prospective employer ever saw, in the way of an application for a position. If the position you seek is worth having, it is worth going after with care. Moreover, if you sell yourself to an employer in a manner that impresses him with your individuality, you probably will receive more money for your services from the very start, than you would if you applied for employment in the usual conventional way. If you seek employment through an advertising agency, or an employment agency, have the agent use copies of your brief in marketing your services. This will help to gain preference for you, both with the agent, and the prospective employers. HOW TO GET THE EXACT POSITION YOU DESIRE Everyone enjoys doing the kind of work for which he is best suited. An artist loves to work with paints, a craftsman with his hands, a writer loves to write. Those with less definite talents have their preferences for certain fields of business and industry. If America does anything well, it offers a full range of occupations, tilling the soil, manufacturing, marketing, and the professions. Everyone enjoys doing the kind of work for which he is best suited. First. Decide EXACTLY what kind of a job you want. If the job doesn’t already exist, perhaps you can create it. Second. Choose the company, or individual for whom you wish to work. Third. Study your prospective employer, as to policies, personnel, and chances of advancement. Fourth. By analysis of yourself, your talents and capabilities, figure WHAT YOU CAN OFFER, and plan ways and means of giving advantages, services, developments, ideas that you believe you can successfully deliver. Fifth. Forget about “a job.” Forget whether or not there is an opening. Forget the usual routine of “have you got a job for me?” Concentrate on what you can give. Sixth. Once you have your plan in mind, arrange with an experienced writer to put it on paper in neat form, and in full detail. Seventh. Present it to the proper person with authority and he will do the rest. Every company is looking for men who can give something of value, whether it be ideas, services, or “connections.” Every company has room for the man who has a definite plan of action which is to the advantage of that company. This line of procedure may take a few days or weeks of extra time, but the difference in income, in advancement, and in gaining recognition will save years of hard work at small pay. It has many advantages, the main one being that it will often save from one to five years of time in reaching a chosen goal. Every person who starts, or “gets in” half way up the ladder, does so by deliberate and careful planning, (excepting, of course, the Boss’ son). THE NEW WAY OF MARKETING SERVICES “JOBS” ARE NOW “PARTNERSHIPS” Men and women who market their services to best advantage in the future, must recognize the stupendous change which has taken place in connection with the relationship between employer and employee. In the future, the “Golden Rule,” and not the “Rule of Gold” will be the dominating factor in the marketing of merchandise as well as personal services. The future relationship between employers and their employees will be more in the nature of a partnership consisting of: a. The employer b. The employee c. The public they serve This new way of marketing personal services is called new for many reasons, first, both the employer and the employee of the future will be considered as fellow-employees whose business it will be to SERVE THE PUBLIC EFFICIENTLY. In times past, employers, and employees have bartered among themselves, driving the best bargains they could with one another, not considering that in the final analysis they were, in reality, BARGAINING AT THE EXPENSE OF THE THIRD PARTY, THE PUBLIC THEY SERVED. The depression served as a mighty protest from an injured public, whose rights had been trampled upon in every direction by those who were clamoring for individual advantages and profits. When the debris of the depression shall have been cleared away, and business shall have been once again restored to balance, both employers and employees will recognize that they are NO LONGER PRIVILEGED TO DRIVE BARGAINS AT THE EXPENSE OF THOSE WHOM THEY SERVE. The real employer of the future will be the public. This should be kept uppermost in mind by every person seeking to market personal services effectively. Nearly every railroad in America is in financial difficulty. Who does not remember the day when, if a citizen enquired at the ticket office, the time of departure of a train, he was abruptly referred to the bulletin board instead of being politely given the information? The street car companies have experienced a “change of times” also. There was a time not so very long ago when street car conductors took pride in giving argument to passengers. Many of the street car tracks have been removed and passengers ride on a bus, whose driver is “the last word in politeness.” All over the country street car tracks are rusting from abandonment, or have been taken up. Wherever street cars are still in operation, passengers may now ride without argument, and one may even hail the car in the middle of the block, and the motorman will OBLIGINGLY pick him up. HOW TIMES HAVE CHANGED! That is just the point I am trying to emphasize. TIMES HAVE CHANGED! Moreover, the change is reflected not merely in railroad offices and on street cars, but in other walks of life as well. The “public-be-damned” policy is now passé. It has been supplanted by the “we-are-obligingly-at-your-service, sir,” policy. The bankers have learned a thing or two during this rapid change which has taken place during the past few years. Impoliteness on the part of a bank official, or bank employee today is as rare as it was conspicuous a dozen years ago. In the years past, some bankers (not all of them, of course), carried an atmosphere of austerity which gave every would-be borrower a chill when he even thought of approaching his banker for a loan. The thousands of bank failures during the depression had the effect of removing the mahogany doors behind which bankers formerly barricaded themselves. They now sit at desks in the open, where they may be seen and approached at will by any depositor, or by anyone who wishes to see them, and the whole atmosphere of the bank is one of courtesy and understanding. It used to be customary for customers to have to stand and wait at the corner grocery until the clerks were through passing the time of day with friends, and the proprietor had finished making up his bank deposit, before being waited upon. Chain stores, managed by COURTEOUS MEN who do everything in the way of service, short of shining the customer’s shoes, have PUSHED THE OLD-TIME MERCHANTS INTO THE BACKGROUND. TIME MARCHES ON! “Courtesy” and “Service” are the watch-words of merchandising today, and apply to the person who is marketing personal services even more directly than to the employer whom he serves, because, in the final analysis, both the employer and his employee are EMPLOYED BY THE PUBLIC THEY SERVE. If they fail to serve well, they pay by the loss of their privilege of serving. We can all remember the time when the gas-meter reader pounded on the door hard enough to break the panels. When the door was opened, he pushed his way in, uninvited, with a scowl on his face which plainly said, “Whatthe-hell-did-you-keep-me-waiting-for?” All that has undergone a change. The meter-man now conducts himself as a gentleman who is “delighted-to-be-atyour-service-sir.” Before the gas companies learned that their scowling meter-men were accumulating liabilities never to be cleared away, the polite salesmen of oil burners came along and did a land office business. During the depression, I spent several months in the anthracite coal region of Pennsylvania, studying conditions which all but destroyed the coal industry. Among several very significant discoveries, was the fact that greed on the part of operators and their employees was the chief cause of the loss of business for the operators, and loss of jobs for the miners. Through the pressure of a group of overzealous labor leaders, representing the employees, and the greed for profits on the part of the operators, the anthracite business suddenly dwindled. The coal operators and their employees drove sharp bargains with one another, adding the cost of the “bargaining” to the price of the coal, until, finally, they discovered they had BUILT UP A WONDERFUL BUSINESS FOR THE MANUFACTURERS OF OIL BURNING OUTFITS AND THE PRODUCERS OF CRUDE OIL. “The wages of sin is death!” Many have read this in the Bible, but few have discovered its meaning. Now, and for several years, the entire world has been listening BY FORCE, to a sermon which might well be called “WHATSOEVER A MAN SOWETH, THAT SHALL HE ALSO REAP.” Nothing as widespread and effective as the depression could possibly be “just a coincidence.” Behind the depression was a CAUSE. Nothing ever happens without a CAUSE. In the main, the cause of the depression is traceable directly to the worldwide habit of trying to REAP without SOWING. This should not be mistaken to mean that the depression represents a crop which the world is being FORCED to reap without having SOWN. The trouble is that the world sowed the wrong sort of seed. Any farmer knows he cannot sow the seed of thistles, and reap a harvest of grain. Beginning at the outbreak of the world war, the people of the world began to sow the seed of service inadequate in both quality and quantity. Nearly everyone was engaged in the pastime of trying to GET WITHOUT GIVING. These illustrations are brought to the attention of those who have personal services to market, to show that we are where we are, and what we are, because of our own conduct! If there is a principle of cause and effect, which controls business, finance, and transportation, this same principle controls individuals and determines their economic status. WHAT IS YOUR “QQS” RATING? The causes of success in marketing services EFFECTIVELY and permanently, have been clearly described. Unless those causes are studied, analyzed, understood and APPLIED, no man can market his services effectively and permanently. Every person must be his own salesman of personal services. The QUALITY and the QUANTITY of service rendered, and the SPIRIT in which it is rendered, determine to a large extent, the price, and the duration of employment. To market Personal services effectively, (which means a permanent market, at a satisfactory price, under pleasant conditions), one must adopt and follow the “QQS” formula which means that QUALITY, plus QUANTITY, plus the proper SPIRIT of cooperation, equals perfect salesmanship of service. Remember the “QQS” formula, but do more —APPLY IT AS A HABIT! Let us analyze the formula to make sure we understand exactly what it means. 1. QUALITY of service shall be construed to mean the performance of every detail, in connection with your position, in the most efficient manner possible, with the object of greater efficiency always in mind. 2. QUANTITY of service shall be understood to mean the HABIT of rendering all the service of which you are capable, at all times, with the purpose of increasing the amount of service rendered as greater skill is developed through practice and experience. Emphasis is again placed on the word HABIT. 3. SPIRIT of service shall be construed to mean the HABIT of agreeable, harmonious conduct which will induce cooperation from associates and fellow employees. Adequacy of QUALITY and QUANTITY of service is not sufficient to maintain a permanent market for your services. The conduct, or the SPIRIT in which you deliver service, is a strong determining factor in connection with both the price you receive, and the duration of employment. Andrew Carnegie stressed this point more than others in connection with his description of the factors which lead to success in the marketing of personal services. He emphasized again, and again, the necessity for HARMONIOUS CONDUCT. He stressed the fact that he would not retain any man, no matter how great a QUANTITY, or how efficient the QUALITY of his work, unless he worked in a spirit of HARMONY. Mr. Carnegie insisted upon men being AGREEABLE. To prove that he placed a high value upon this quality, he permitted many men who conformed to his standards to become very wealthy. Those who did not conform, had to make room for others. The importance of a pleasing personality has been stressed, because it is a factor which enables one to render service in the proper SPIRIT. If one has a personality which PLEASES, and renders service in a spirit of HARMONY, these assets often make up for deficiencies in both the QUALITY, and the QUANTITY of service one renders. Nothing, however, can be SUCCESSFULLY SUBSTITUTED FOR PLEASING CONDUCT. THE CAPITAL VALUE OF YOUR SERVICES The person whose income is derived entirely from the sale of personal services is no less a merchant than the man who sells commodities, and it might well be added, such a person is subject to EXACTLY THE SAME RULES of conduct as the merchant who sells merchandise. The person whose income is derived entirely from the sale of personal services is no less a merchant than the man who sells commodities. This has been emphasized, because the majority of people who live by the sale of personal services make the mistake of considering themselves free from the rules of conduct, and the responsibilities attached to those who are engaged in marketing commodities. The new way of marketing services has practically forced both employer and employee into partnership alliances, through which both take into consideration the rights of the third party, THE PUBLIC THEY SERVE. The day of the “go-getter” has passed. He has been supplanted by the “go-giver.” High-pressure methods in business finally blew the lid off. There will never be the need to put the lid back on, because, in the future, business will be conducted by methods that will require no pressure. The actual capital value of your brains may be determined by the amount of income you can produce (by marketing your services). A fair estimate of the capital value of your services may be made by multiplying your annual income by sixteen and two-thirds, as it is reasonable to estimate that your annual income represents six percent of your capital value. Money rents for 6% per annum. Money is worth no more than brains. It is often worth much less. Competent “brains,” if effectively marketed, represent a much more desirable form of capital than that which is required to conduct a business dealing in commodities, because “brains” are a form of capital which cannot be permanently depreciated through depressions, nor can this form of capital be stolen or spent. Moreover, the money which is essential for the conduct of business is as worthless as a sand dune, until it has been mixed with efficient “brains.” THE THIRTY MAJOR CAUSES OF FAILURE HOW MANY OF THESE ARE HOLDING YOU BACK? Life’s greatest tragedy consists of men and women who earnestly try, and fail! The tragedy lies in the overwhelmingly large majority of people who fail, as compared to the few who succeed. I have had the privilege of analyzing several thousand men and women, 98% of whom were classed as “failures.” There is something radically wrong with a civilization, and a system of education, which permit 98% of the people to go through life as failures. But I did not write this book for the purpose of moralizing on the rights and wrongs of the world; that would require a book a hundred times the size of this one. My analysis work proved that there are thirty major reasons for failure, and thirteen major principles through which people accumulate fortunes. In this chapter, a description of the thirty major causes of failure will be given. As you go over the list, check yourself by it, point by point, for the purpose of discovering how many of these causes-of-failure stand between you and success. 1. UNFAVORABLE HEREDITARY BACKGROUND. There is but little, if anything, which can be done for people who are born with a deficiency in brain power. This philosophy offers but one method of bridging this weakness—through the aid of the Master Mind. Observe with profit, however, that this is the ONLY one of the thirty causes of failure which may not be easily corrected by any individual. 2. LACK OF A WELL-DEFINED PURPOSE IN LIFE. There is no hope of success for the person who does not have a central purpose, or definite goal at which to aim. Ninety-eight out of every hundred of those whom I have analyzed, had no such aim. Perhaps this was the MAJOR CAUSE OF THEIR FAILURE. 3. LACK OF AMBITION TO AIM ABOVE MEDIOCRITY. We offer no hope for the person who is so indifferent as not to want to get ahead in life, and who is not willing to pay the price. 4. INSUFFICIENT EDUCATION. This is a handicap which may be overcome with comparative ease. Experience has proven that the besteducated people are often those who are known as “self-made,” or selfeducated. It takes more than a college degree to make one a person of education. Any person who is educated is one who has learned to get whatever he wants in life without violating the rights of others. Education consists, not so much of knowledge, but of knowledge effectively and persistently APPLIED. Men are paid, not merely for what they know, but more particularly for WHAT THEY DO WITH THAT WHICH THEY KNOW. 5. LACK OF SELF-DISCIPLINE. Discipline comes through self-control. This means that one must control all negative qualities. Before you can control conditions, you must first control yourself. Self-mastery is the hardest job you will ever tackle. If you do not conquer self, you will be conquered by self. You may see at one and the same time both your best friend and your greatest enemy, by stepping in front of a mirror. 6. ILL HEALTH. No person may enjoy outstanding success without good health. Many of the causes of ill health are subject to mastery and control. These, in the main are: a. Overeating of foods not conducive to health b. Wrong habits of thought; giving expression to negatives. c. Wrong use of, and over indulgence in sex. d. Lack of proper physical exercise e. An inadequate supply of fresh air, due to improper breathing. 7. UNFAVORABLE ENVIRONMENTAL INFLUENCES DURING CHILDHOOD. “As the twig is bent, so shall the tree grow.” Most people who have criminal tendencies acquire them as the result of bad environment, and improper associates during childhood. 8. PROCRASTINATION. This is one of the most common causes of failure. “Old Man Procrastination” stands within the shadow of every human being, waiting his opportunity to spoil one’s chances of success. Most of us go through life as failures, because we are waiting for the “time to be right” to start doing something worthwhile. Do not wait. The time will never be “just right.” Start where you stand, and work with whatever tools you may have at your command, and better tools will be found as you go along. 9. LACK OF PERSISTENCE. Most of us are good “starters” but poor “finishers” of everything we begin. Moreover, people are prone to give up at the first signs of defeat. There is no substitute for PERSISTENCE. The person who makes PERSISTENCE his watch-word, discovers that “Old Man Failure” finally becomes tired, and makes his departure. Failure cannot cope with PERSISTENCE. 10. NEGATIVE PERSONALITY. There is no hope of success for the person who repels people through a negative personality. Success comes through the application of POWER, and power is attained through the cooperative efforts of other people. A negative personality will not induce cooperation. 11. LACK OF CONTROLLED SEXUAL URGE. Sex energy is the most powerful of all the stimuli which move people into ACTION. Because it is the most powerful of the emotions, it must be controlled, through transmutation, and converted into other channels. 12. UNCONTROLLED DESIRE FOR “SOMETHING FOR NOTHING.” The gambling instinct drives millions of people to failure. Evidence of this may be found in a study of the Wall Street crash of ’29, during which millions of people tried to make money by gambling on stock margins. 13. LACK OF A WELL DEFINED POWER OF DECISION. Men who succeed reach decisions promptly, and change them, if at all, very slowly. Men who fail, reach decisions, if at all, very slowly, and change them frequently, and quickly. Indecision and procrastination are twin brothers. Where one is found, the other may usually be found also. Kill off this pair before they completely “hog-tie” you to the treadmill of FAILURE. 14. ONE OR MORE OF THE SIX BASIC FEARS. These fears have been analyzed for you in a later chapter. They must be mastered before you can market your services effectively. 15. WRONG SELECTION OF A MATE IN MARRIAGE. This is a most common cause of failure. The relationship of marriage brings people intimately into contact. Unless this relationship is harmonious, failure is likely to follow. Moreover, it will be a form of failure that is marked by misery and unhappiness, destroying all signs of AMBITION. 16. OVER-CAUTION. The person who takes no chances, generally has to take whatever is left when others are through choosing. Over-caution is as bad as under-caution. Both are extremes to be guarded against. Life itself is filled with the element of chance. 17. WRONG SELECTION OF ASSOCIATES IN BUSINESS. This is one of the most common causes of failure in business. In marketing personal services, one should use great care to select an employer who will be an inspiration, and who is, himself, intelligent and successful. We emulate those with whom we associate most closely. Pick an employer who is worth emulating. 18. SUPERSTITION AND PREJUDICE. Superstition is a form of fear. It is also a sign of ignorance. Men who succeed keep open minds and are afraid of nothing. 19. WRONG SELECTION OF A VOCATION. No man can succeed in a line of endeavor which he does not like. The most essential step in the marketing of personal services is that of selecting an occupation into which you can throw yourself wholeheartedly. 20. LACK OF CONCENTRATION OF EFFORT. The “jack-of-all-trades” seldom is good at any. Concentrate all of your efforts on one DEFINITE CHIEF AIM. 21. THE HABIT OF INDISCRIMINATE SPENDING. The spend-thrift cannot succeed, mainly because he stands eternally in FEAR OF POVERTY. Form the habit of systematic saving by putting aside a definite percentage of your income. Money in the bank gives one a very safe foundation of COURAGE when bargaining for the sale of personal services. Without money, one must take what one is offered, and be glad to get it. 22. LACK OF ENTHUSIASM. Without enthusiasm one cannot be convincing. Moreover, enthusiasm is contagious, and the person who has it, under control, is generally welcome in any group of people. 23. INTOLERANCE. The person with a “closed” mind on any subject seldom gets ahead. Intolerance means that one has stopped acquiring knowledge. The most damaging forms of intolerance are those connected with religious, racial, and political differences of opinion. 24. INTEMPERANCE. The most damaging forms of intemperance are connected with eating, strong drink, and sexual activities. Overindulgence in any of these is fatal to success. 25. INABILITY TO COOPERATE WITH OTHERS. More people lose their positions and their big opportunities in life, because of this fault, than for all other reasons combined. It is a fault which no well-informed business man, or leader will tolerate. 26. POSSESSION OF POWER THAT WAS NOT ACQUIRED THROUGH SELF EFFORT. (Sons and daughters of wealthy men, and others who inherit money which they did not earn). Power in the hands of one who did not acquire it gradually, is often fatal to success. QUICK RICHES are more dangerous than poverty. 27. INTENTIONAL DISHONESTY. There is no substitute for honesty. One may be temporarily dishonest by force of circumstances over which one has no control, without permanent damage. But, there is NO HOPE for the person who is dishonest by choice. Sooner or later, his deeds will catch up with him, and he will pay by loss of reputation, and perhaps even loss of liberty. 28. EGOTISM AND VANITY. These qualities serve as red lights which warn others to keep away. THEY ARE FATAL TO SUCCESS. 29. GUESSING INSTEAD OF THINKING. Most people are too indifferent or lazy to acquire FACTS with which to THINK ACCURATELY. They prefer to act on “opinions” created by guesswork or snap-judgments. 30. LACK OF CAPITAL. This is a common cause of failure among those who start out in business for the first time, without sufficient reserve of capital to absorb the shock of their mistakes, and to carry them over until they have established a REPUTATION. 31. Under this, name any particular cause of failure from which you have suffered that has not been included in the foregoing list. In these thirty major causes of failure is found a description of the tragedy of life, which obtains for practically every person who tries and fails. It will be helpful if you can induce someone who knows you well to go over this list with you, and help to analyze you by the thirty causes of failure. It may be beneficial if you try this alone. Most people cannot see themselves as others see them. You may be one who cannot. The oldest of admonitions is “Man, know thyself!” If you market merchandise successfully, you must know the merchandise. The same is true in marketing personal services. You should know all of your weaknesses in order that you may either bridge them or eliminate them entirely. You should know your strength in order that you may call attention to it when selling your services. You can know yourself only through accurate analysis. The folly of ignorance in connection with self was displayed by a young man who applied to the manager of a well known business for a position. He made a very good impression until the manager asked him what salary he expected. He replied that he had no fixed sum in mind (lack of a definite aim). The manager then said, “We will pay you all you are worth, after we try you out for a week.” “I will not accept it,” the applicant replied, “because I AM GETTING MORE THAN THAT WHERE I AM NOW EMPLOYED.” Before you even start to negotiate for a readjustment of your salary in your present position, or to seek employment elsewhere, BE SURE THAT YOU ARE WORTH MORE THAN YOU NOW RECEIVE. It is one thing to WANT money—everyone wants more—but it is something entirely different to be WORTH MORE! Many people mistake their WANTS for their JUST DUES. Your financial requirements or wants have nothing whatever to do with your WORTH. Your value is established entirely by your ability to render useful service or your capacity to induce others to render such service. TAKE INVENTORY OF YOURSELF 28 QUESTIONS YOU SHOULD ANSWER Annual self-analysis is an essential in the effective marketing of personal services, as is annual inventory in merchandising. Moreover, the yearly analysis should disclose a DECREASE IN FAULTS, and an increase in VIRTUES. One goes ahead, stands still, or goes backward in life. One’s object should be, of course, to go ahead. Annual self-analysis will disclose whether advancement has been made, and if so, how much. It will also disclose any backward steps one may have made. The effective marketing of personal services requires one to move forward even if the progress is slow. Your annual self-analysis should be made at the end of each year, so you can include in your New Year’s Resolutions any improvements which the analysis indicates should be made. Take this inventory by asking yourself the following questions, and by checking your answers with the aid of someone who will not permit you to deceive yourself as to their accuracy. SELF-ANALYSIS QUESTIONNAIRE FOR PERSONAL INVENTORY 1. Have I attained the goal which I established as my objective for this year? (You should work with a definite yearly objective to be attained as a part of your major life objective). 2. Have I delivered service of the best possible QUALITY of which I was capable, or could I have improved any part of this service? 3. Have I delivered service in the greatest possible QUANTITY of which I was capable? 4. Has the spirit of my conduct been harmonious, and cooperative at all times? 5. Have I permitted the habit of PROCRASTINATION to decrease my efficiency, and if so, to what extent? 6. Have I improved my PERSONALITY, and if so, in what ways? 7. Have I been PERSISTENT in following my plans through to completion? 8. Have I reached DECISIONS PROMPTLY AND DEFINITELY on all occasions? 9. Have I permitted any one or more of the six basic fears to decrease my efficiency? 10. Have I been either “over-cautious,” or “under-cautious?” 11. Has my relationship with my associates in work been pleasant, or unpleasant? If it has been unpleasant, has the fault been partly, or wholly mine? 12. Have I dissipated any of my energy through lack of CONCENTRATION of effort? 13. Have I been open minded and tolerant in connection with all subjects? 14. In what way have I improved my ability to render service? 15. Have I been intemperate in any of my habits? 16. Have I expressed, either openly or secretly, any form of EGOTISM? 17. Has my conduct toward my associates been such that it has induced them to RESPECT me? 18. Have my opinions and DECISIONS been based upon guesswork, or accuracy of analysis and THOUGHT? 19. Have I followed the habit of budgeting my time, my expenses, and my income, and have I been conservative in these budgets? 20. How much time have I devoted to UNPROFITABLE effort which I might have used to better advantage? 21. How may I RE-BUDGET my time, and change my habits so I will be more efficient during the coming year? 22. Have I been guilty of any conduct which was not approved by my conscience? 23. In what ways have I rendered MORE SERVICE AND BETTER SERVICE than I was paid to render? 24. Have I been unfair to anyone, and if so, in what way? 25. If I had been the purchaser of my own services for the year, would I be satisfied with my purchase? 26. Am I in the right vocation, and if not, why not? 27. Has the purchaser of my services been satisfied with the service I have rendered, and if not, why not? 28. What is my present rating on the fundamental principles of success? (Make this rating fairly, and frankly, and have it checked by someone who is courageous enough to do it accurately). Having read and assimilated the information conveyed through this chapter, you are now ready to create a practical plan for marketing your personal services. In this chapter will be found an adequate description of every principle essential in planning the sale of personal services, including the major attributes of leadership; the most common causes of failure in leadership; a description of the fields of opportunity for leadership; the main causes of failure in all walks of life, and the important questions which should be used in self-analysis. This extensive and detailed presentation of accurate information has been included, because it will be needed by all who must begin the accumulation of riches by marketing personal services. Those who have lost their fortunes, and those who are just beginning to earn money, have nothing but personal services to offer in return for riches, therefore it is essential that they have available the practical information needed to market services to best advantage. The information contained in this chapter will be of great value to all who aspire to attain leadership in any calling. It will be particularly helpful to those aiming to market their services as business or industrial executives. Complete assimilation and understanding of the information here conveyed will be helpful in marketing one’s own services, and it will also help one to become more analytical and capable of judging people. The information will be priceless to personnel directors, employment managers, and other executives charged with the selection of employees, and the maintenance of efficient organizations. If you doubt this statement, test its soundness by answering in writing the twenty-eight self-analysis questions. That might be both interesting and profitable, even though you do not doubt the soundness of the statement. WHERE AND HOW ONE MAY FIND OPPORTUNITIES TO ACCUMULATE RICHES Now that we have analyzed the principles by which riches may be accumulated, we naturally ask, “where may one find favorable opportunities to apply these principles?” Very well, let us take inventory and see what the United States of America offer the person seeking riches, great or small. To begin with, let us remember, all of us, that we live in a country where every law-abiding citizen enjoys freedom of thought and freedom of deed unequaled anywhere in the world. Most of us have never taken inventory of the advantages of this freedom. We have never compared our unlimited freedom with the curtailed freedom in other countries. Here we have freedom of thought, freedom in the choice and enjoyment of education, freedom in religion, freedom in politics, freedom in the choice of a business, profession or occupation, freedom to accumulate and own without molestation, ALL THE PROPERTY WE CAN ACCUMULATE, freedom to choose our place of residence, freedom in marriage, freedom through equal opportunity to all races, freedom of travel from one state to another, freedom in our choice of foods, and freedom to AIM FOR ANY STATION IN LIFE FOR WHICH WE HAVE PREPARED OURSELVES, even for the presidency of the United States. We have other forms of freedom, but this list will give a bird’s eye view of the most important, which constitute OPPORTUNITY of the highest order. This advantage of freedom is all the more conspicuous because the United States is the only country guaranteeing to every citizen, whether native born or naturalized, so broad and varied a list of freedom. Next, let us recount some of the blessings which our widespread freedom has placed within our hands. Take the average American family for example (meaning, the family of average income) and sum up the benefits available to every member of the family, in this land of OPPORTUNITY and plenty! a. FOOD. Next to freedom of thought and deed comes FOOD, CLOTHING, and SHELTER, the three basic necessities of life. Because of our universal freedom the average American family has available, at its very door, the choicest selection of food to be found anywhere in the world, and at prices within its financial range. A family of two, living in the heart of Times Square district of New York City, far removed from the source of production of foods, took careful inventory of the cost of a simple breakfast, with this astonishing result: Articles of food; Grape Fruit Juice (From Florida) Rippled Wheat Breakfast food (Kansas Farm) Tea (From China) Bananas (From South America) Toasted Bread (From Kansas Farm) Fresh Country Eggs (From Utah) Sugar (From Cuba, or Utah) Butter and Cream (From New England) Grand total Cost at the breakfast table: .02 .02 .02 .02½ .01 .07 .00½ .03 .20 It is not very difficult to obtain FOOD in a country where two people can have breakfast consisting of all they want or need for a dime apiece! Observe that this simple breakfast was gathered, by some strange form of magic (?) from China, South America, Utah, Kansas and the New England States, and delivered on the breakfast table, ready for consumption, in the very heart of the most crowded city in America, at a cost well within the means of the most humble laborer. The cost included all federal, state and city taxes! (Here is a fact the politicians did not mention when they were crying out to the voters to throw their opponents out of office because the people were being taxed to death). b. SHELTER. This family lives in a comfortable apartment, heated by steam, lighted with electricity, with gas for cooking, all for $65.00 a month. In a smaller city, or a more sparsely settled part of New York city, the same apartment could be had for as low as $20.00 a month. The toast they had for breakfast in the food estimate was toasted on an electric toaster, which cost but a few dollars, the apartment is cleaned with a vacuum sweeper that is run by electricity. Hot and cold water is available, at all times, in the kitchen and the bathroom. The food is kept cool in a refrigerator that is run by electricity. The wife curls her hair, washes her clothes and irons them with easily operated electrical equipment, on power obtained by sticking a plug in the wall. The husband shaves with an electric shaver, and they receive entertainment from all over the world, twenty four hours a day, if they want it, without cost, by merely turning the dial of their radio. There are other conveniences in this apartment, but the foregoing list will give a fair idea of some of the concrete evidences of the freedom we, of America, enjoy. (And this is neither political nor economic propaganda). c. CLOTHING. Anywhere in the United States, the woman of average clothing requirements can dress very comfortably and neatly for less than $200.00 a year, and the average man can dress for the same, or less. Only the three basic necessities of food, clothing, and shelter have been mentioned. The average American citizen has other privileges and advantages available in return for modest effort, not exceeding eight hours per day of labor. Among these is the privilege of automobile transportation, with which one can go and come at will, at very small cost. The average American has security of property rights not found in any other country in the world. He can place his surplus money in a bank with the assurance that his government will protect it, and make good to him if the bank fails. If an American citizen wants to travel from one state to another he needs no passport, no one’s permission. He may go when he pleases, and return at will. Moreover, he may travel by train, private automobile, bus, airplane, or ship, as his pocketbook permits. In Germany, Russia, Italy, and most of the other European and Oriental countries, the people cannot travel with so much freedom, and at so little cost. THE “MIRACLE” THAT HAS PROVIDED THESE BLESSINGS We often hear politicians proclaiming the freedom of America, when they solicit votes, but seldom do they take the time or devote sufficient effort to the analysis of the source or nature of this “freedom.” Having no axe to grind, no grudge to express, no ulterior motives to be carried out, I have the privilege of going into a frank analysis of that mysterious, abstract, greatly misunderstood “SOMETHING” which gives to every citizen of America more blessings, more opportunities to accumulate wealth, more freedom of every nature, than may be found in any other country. I have the right to analyze the source and nature of this UNSEEN POWER, because I know, and have known for more than a quarter of a century, many of the men who organized that power, and many who are now responsible for its maintenance. The name of this mysterious benefactor of mankind is CAPITAL! CAPITAL consists not alone of money, but more particularly of highly organized, intelligent groups of men who plan ways and means of using money efficiently for the good of the public, and profitably to themselves. These groups consist of scientists, educators, chemists, inventors, business analysts, publicity men, transportation experts, accountants, lawyers, doctors, and both men and women who have highly specialized knowledge in all fields of industry and business. They pioneer, experiment, and blaze trails in new fields of endeavor. They support colleges, hospitals, public schools, build good roads, publish newspapers, pay most of the cost of government, and take care of the multitudinous detail essential to human progress. Stated briefly, the capitalists are the brains of civilization, because they supply the entire fabric of which all education, enlightenment and human progress consists. Money, without brains, always is dangerous. Properly used, it is the most important essential of civilization. The simple breakfast here described could not have been delivered to the New York family at a dime each, or at any other price, if organized capital had not provided the machinery, the ships, the railroads, and the huge armies of trained men to operate them. Some slight idea of the importance of ORGANIZED CAPITAL may be had by trying to imagine yourself burdened with the responsibility of collecting, without the aid of capital, and delivering to the New York City family, the simple breakfast described. To supply the tea, you would have to make a trip to China or India, both a very long way from America. Unless you are an excellent swimmer, you would become rather tired before making the round trip. Then, too, another problem would confront you. What would you use for money, even if you had the physical endurance to swim the ocean? To supply the sugar, you would have to take another long swim to Cuba, or a long walk to the sugar beet section of Utah. But even then, you might come back without the sugar, because organized effort and money are necessary to produce sugar, to say nothing of what is required to refine, transport, and deliver it to the breakfast table anywhere in the United States. The eggs, you could deliver easily enough from the barn yards near New York City, but you would have a very long walk to Florida and return, before you could serve the two glasses of grapefruit juice. You would have another long walk, to Kansas, or one of the other wheat growing states, when you went after the four slices of wheat bread. The Rippled Wheat Biscuits would have to be omitted from the menu, because they would not be available except through the labor of a trained organization of men and suitable machinery, ALL OF WHICH CALL FOR CAPITAL. While resting, you could take off for another little swim down to South America, where you would pick up a couple of bananas, and on your return, you could take a short walk to the nearest farm having a dairy and pick up some butter and cream. Then your New York City family would be ready to sit down and enjoy breakfast, and you could collect your two dimes for your labor! Seems absurd, doesn’t it? Well, the procedure described would be the only possible way these simple items of food could be delivered to the heart of New York City, if we had no capitalistic system. The sum of money required for the building and maintenance of the railroads and steam ships used in the delivery of that simple breakfast is so huge that it staggers one’s imagination. It runs into hundreds of millions of dollars, not to mention the armies of trained employees required to man the ships and trains. But, transportation is only a part of the requirements of modern civilization in capitalistic America. Before there can be anything to haul, something must be grown from the ground, or manufactured and prepared for market. This calls for more millions of dollars for equipment, machinery, boxing, marketing, and for the wages of millions of men and women. Steam ships and railroads do not spring up from the earth and function automatically. They come in response to the call of civilization, through the labor and ingenuity and organizing ability of men who have IMAGINATION, FAITH, ENTHUSIASM, DECISION, PERSISTENCE! These men are known as capitalists. They are motivated by the desire to build, construct, achieve, render useful service, earn profits and accumulate riches. And, because they RENDER SERVICE WITHOUT WHICH THERE WOULD BE NO CIVILIZATION, they put themselves in the way of great riches. Just to keep the record simple and understandable, I will add that these capitalists are the selfsame men of whom most of us have heard soap-box orators speak. They are the same men to whom radicals, racketeers, dishonest politicians and grafting labor leaders refer as “the predatory interests,” or “Wall Street.” I am not attempting to present a brief for or against any group of men or any system of economics. I am not attempting to condemn collective bargaining when I refer to “grafting labor leaders,” nor do I aim to give a clean bill of health to all individuals known as capitalists. The purpose of this book—A purpose to which I have faithfully devoted over a quarter of a century—is to present to all who want the knowledge, the most dependable philosophy through which individuals may accumulate riches in whatever amounts they desire. I have here analyzed the economic advantages of the capitalistic system for the two-fold purpose of showing: 1. that all who seek riches must recognize and adapt themselves to the system that controls all approaches to fortunes, large or small, and 2. to present the side of the picture opposite to that being shown by politicians and demagogues who deliberately becloud the issues they bring up, by referring to organized capital as if it were something poisonous. This is a capitalistic country, it was developed through the use of capital, and we who claim the right to partake of the blessings of freedom and opportunity, we who seek to accumulate riches here, may as well know that neither riches nor opportunity would be available to us if ORGANIZED CAPITAL had not provided these benefits. For more than twenty years it has been a somewhat popular and growing pastime for radicals, self-seeking politicians, racketeers, crooked labor leaders, and on occasion religious leaders, to take pot-shots at “WALL STREET, THE MONEY CHANGERS, and BIG BUSINESS.” The practice became so general that we witnessed during the business depression, the unbelievable sight of high government officials lining up with the cheap politicians, and labor leaders, with the openly avowed purpose of throttling the system which has made Industrial America the richest country on earth. The line-up was so general and so well organized that it prolonged the worst depression America has ever known. It cost millions of men their jobs, because those jobs were inseparably a part of the industrial and capitalistic system which form the very backbone of the nation. During this unusual alliance of government officials and self-seeking individuals who were endeavoring to profit by declaring “open season” on the American system of industry, a certain type of labor leader joined forces with the politicians and offered to deliver voters in return for legislation designed to permit men to TAKE RICHES AWAY FROM INDUSTRY BY ORGANIZED FORCE OF NUMBERS, INSTEAD OF THE BETTER METHOD OF GIVING A FAIR DAY’S WORK FOR A FAIR DAY’S PAY. Millions of men and women throughout the nation are still engaged in this popular pastime of trying to GET without GIVING. Some of them are lined up with labor unions, where they demand SHORTER HOURS AND MORE PAY! Others do not take the trouble to work at all. THEY DEMAND GOVERNMENT RELIEF AND ARE GETTING IT. Their idea of their rights of freedom was demonstrated in New York City, where violent complaint was registered with the Postmaster, by a group of “relief beneficiaries,” because the Postmen awakened them at 7:30 A.M. to deliver Government relief checks. They DEMANDED that the time of delivery be set up to 10 o’clock. If you are one of those who believe that riches can be accumulated by the mere act of men who organize themselves into groups and demand MORE PAY for LESS SERVICE, if you are one of those who DEMAND Government relief without early morning disturbance when the money is delivered to you, if you are one of those who believe in trading their votes to politicians in return for the passing of laws which permit the raiding of the public treasury, you may rest securely on your belief, with certain knowledge that no one will disturb you, because THIS IS A FREE COUNTRY WHERE EVERY MAN MAY THINK AS HE PLEASES, where nearly everybody can live with but little effort, where many may live well without doing any work whatsoever. However, you should know the full truth concerning this FREEDOM of which so many people boast, and so few understand. As great as it is, as far as it reaches, as many privileges as it provides, IT DOES NOT, AND CANNOT BRING RICHES WITHOUT EFFORT. There is but one dependable method of accumulating, and legally holding riches, and that is by rendering useful service. No system has ever been created by which men can legally acquire riches through mere force of numbers, or without giving in return an equivalent value of one form or another. There is a principle known as the law of ECONOMICS! This is more than a theory. It is a law no man can beat. Mark well the name of the principle, and remember it, because it is far more powerful than all the politicians and political machines. It is above and beyond the control of all the labor unions. It cannot be swayed, nor influenced nor bribed by racketeers or self-appointed leaders in any calling. Moreover, IT HAS AN ALL-SEEING EYE, AND A PERFECT SYSTEM OF BOOKKEEPING, in which it keeps an accurate account of the transactions of every human being engaged in the business of trying to get without giving. Sooner or later its auditors come around, look over the records of individuals both great and small, and demand an accounting. “Wall Street, Big Business, Capital Predatory Interests,” or whatever name you choose to give the system which has given us AMERICAN FREEDOM, represents a group of men who understand, respect, and adapt themselves to this powerful LAW OF ECONOMICS! Their financial continuation depends upon their respecting the law. Most people living in America like this country, its capitalistic system and all. I must confess I know of no better country, where one may find greater opportunities to accumulate riches. Judging by their acts and deeds, there are some in this country who do not like it. That, of course is their privilege; if they do not like this country, its capitalistic system, its boundless opportunities, THEY HAVE THE PRIVILEGE OF CLEARING OUT! Always there are other countries, such as Germany, Russia, and Italy, where one may try one’s hand at enjoying freedom, and accumulating riches providing one is not too particular. America provides all the freedom and all the opportunity to accumulate riches that any honest person may require. When one goes hunting for game, one selects hunting grounds where game is plentiful. When seeking riches, the same rule would naturally obtain. If it is riches you are seeking, do not overlook the possibilities of a country whose citizens are so rich that women, alone, spend over two hundred million dollars annually for lip-sticks, rouge and cosmetics. Think twice, you who are seeking riches, before trying to destroy the Capitalistic System of a country whose citizens spend over fifty million dollars a year for GREETING CARDS, with which to express their appreciation of their FREEDOM! If it is money you are seeking, consider carefully a country that spends hundreds of millions of dollars annually for cigarettes, the bulk of the income from which goes to only four major companies engaged in supplying this national builder of “nonchalance” and “quiet nerves.” By all means give plenty of consideration to a country whose people spend annually more than fifteen million dollars for the privilege of seeing moving pictures, and toss in a few additional millions for liquor, narcotics, and other less potent soft drinks and giggle-waters. Do not be in too big a hurry to get away from a country whose people willingly, even eagerly, hand over millions of dollars annually for football, baseball, and prize fights. And, by all means, STICK by a country whose inhabitants give up more than a million dollars a year for chewing gum, and another million for safety razor blades. Remember, also, that this is but the beginning of the available sources for the accumulation of wealth. Only a few of the luxuries and non-essentials have been mentioned. But, remember that the business of producing, transporting, and marketing these few items of merchandise gives regular employment to MANY MILLIONS OF MEN AND WOMEN, who receive for their services MANY MILLIONS OF DOLLARS MONTHLY, and spend it freely for both the luxuries and the necessities. Especially remember, that back of all this exchange of merchandise and personal services may be found an abundance of OPPORTUNITY to accumulate riches. Here our AMERICAN FREEDOM comes to one’s aid. There is nothing to stop you, or anyone from engaging in any portion of the effort necessary to carry on these businesses. If one has superior talent, training, experience, one may accumulate riches in large amounts. Those not so fortunate may accumulate smaller amounts. Anyone may earn a living in return for a very nominal amount of labor. So—there you are! OPPORTUNITY has spread its wares before you. Step up to the front, select what you want, create your plan, put the plan into action, and follow through with PERSISTENCE. “Capitalistic” America will do the rest. You can depend upon this much—CAPITALISTIC AMERICA INSURES EVERY PERSON THE OPPORTUNITY TO RENDER USEFUL SERVICE, AND TO COLLECT RICHES IN PROPORTION TO THE VALUE OF THE SERVICE. The “System” denies no one this right, but it does not, and cannot promise SOMETHING FOR NOTHING, because the system, itself, is irrevocably controlled by the LAW OF ECONOMICS which neither recognizes nor tolerates for long, GETTING WITHOUT GIVING. The LAW OF ECONOMICS was passed by Nature! There is no Supreme Court to which violators of this law may appeal. The law hands out both penalties for its violation, and appropriate rewards for its observance, without interference or the possibility of interference by any human being. The law cannot be repealed. It is as fixed as the stars in the heavens, and subject to, and a part of the same system that controls the stars. May one refuse to adapt one’s self to the LAW OF ECONOMICS? Certainly! This is a free country, where all men are born with equal rights, including the privilege of ignoring the LAW OF ECONOMICS. What happens then? Well, nothing happens until large numbers of men join forces for the avowed purpose of ignoring the law, and taking what they want by force. THEN COMES THE DICTATOR, WITH WELL ORGANIZED FIRING SQUADS AND MACHINE GUNS! We have not yet reached that stage in America! But we have heard all we want to know about how the system works. Perhaps we shall be fortunate enough not to demand personal knowledge of so gruesome a reality. Doubtless we shall prefer to continue with our FREEDOM OF SPEECH, FREEDOM OF DEED, and FREEDOM TO RENDER USEFUL SERVICE IN RETURN FOR RICHES. The practice, by Government officials of extending to men and women the privilege of raiding the public treasury in return for votes, sometimes results in election, but as night follows day, the final payoff comes; when every penny wrongfully used, must be repaid with compound interest on compound interest. If those who make the grab are not forced to repay, the burden falls on their children, and their children’s children, “even unto the third and fourth generations.” There is no way to avoid the debt. Men can, and sometimes do, form themselves into groups for the purpose of crowding wages up, and working hours down. There is a point beyond which they cannot go. It is the point at which the LAW OF ECONOMICS steps in, and the sheriff gets both the employer and the employees. For six years, from 1929 to 1935, the people of America, both rich and poor, barely missed seeing the Old Man Economics hand over to the sheriff all the businesses, and industries and banks. It was not a pretty sight! It did not increase our respect for mob psychology through which men cast reason to the winds and start trying to GET without GIVING. We who went through those six discouraging years, when FEAR WAS IN THE SADDLE, AND FAITH WAS ON THE GROUND, cannot forget how ruthlessly the LAW OF ECONOMICS exacted its toll from both rich and poor, weak and strong, old and young. We shall not wish to go through another such experience. These observations are not founded upon short-time experience. They are the result of twenty-five years of careful analysis of the methods of both the most successful and the most unsuccessful men America has known. Chapter Seven Key Points 1. You must surround yourself only with forward-thinking, knowledgeable, capable people. 2. To fulfill the first point, form a Master Mind group of like-valued, mutually supportive peers with whom you meet regularly, as expanded on in a later chapter. This step is vital. 3. Anyone can be a boss but few can perform as a leader. Study the pertinent traits in this chapter. 4. Failure is not necessarily a chance occurrence. It often arises from poor habits and routines, most of which can be remedied. Carefully consider the thirty causes of failure in this chapter and apply them to yourself with stark frankness. 5. Likewise take the personal inventory in this chapter—or ask a trusted colleague to help you apply its questions to yourself. Chapter 8 Decision The Mastery Of Procrastination The Seventh Step to Riches Accurate analysis of over 25,000 men and women who had experienced failure, disclosed the fact that LACK OF DECISION was near the head of the list of the 30 major causes of FAILURE. This is no mere statement of a theory—it is a fact. PROCRASTINATION, the opposite of DECISION, is a common enemy which practically every man must conquer. You will have an opportunity to test your capacity to reach quick and definite DECISIONS when you finish reading this book, and are ready to begin putting into ACTION the principles which it describes. Analysis of several hundred people who had accumulated fortunes well beyond the million dollar mark, disclosed the fact that every one of them had the habit of REACHING DECISIONS PROMPTLY, and of changing these decisions SLOWLY, if, and when they were changed. People who fail to accumulate money, without exception, have the habit of reaching decisions, IF AT ALL, very slowly, and of changing these decisions quickly and often. One of Henry Ford’s most outstanding qualities is his habit of reaching decisions quickly and definitely, and changing them slowly. This quality is so pronounced in Mr. Ford, that it has given him the reputation of being obstinate. It was this quality which prompted Mr. Ford to continue to manufacture his famous Model “T” (the world’s ugliest car), when all of his advisors, and many of the purchasers of the car, were urging him to change it. Perhaps, Mr. Ford delayed too long in making the change, but the other side of the story is, that Mr. Ford’s firmness of decision yielded a huge fortune, before the change in model became necessary. There is but little doubt that Mr. Ford’s habit of definiteness of decision assumes the proportion of obstinacy, but this quality is preferable to slowness in reaching decisions and quickness in changing them. The majority of people who fail to accumulate money sufficient for their needs, are, generally, easily influenced by the “opinions” of others. They permit the newspapers and the “gossiping” neighbors to do their “thinking” for them. “Opinions” are the cheapest commodities on earth. Everyone has a flock of opinions ready to be wished upon anyone who will accept them. If you are influenced by “opinions” when you reach DECISIONS, you will not succeed in any undertaking, much less in that of transmuting YOUR OWN DESIRE into money. Everyone has a flock of opinions ready to be wished upon anyone who will accept them. If you are influenced by the opinions of others, you will have no DESIRE of your own. Keep your own counsel, when you begin to put into practice the principles described here, by reaching your own decisions and following them. Take no one into your confidence, EXCEPT the members of your “Master Mind” group, and be very sure in your selection of this group, that you choose ONLY those who will be in COMPLETE SYMPATHY AND HARMONY WITH YOUR PURPOSE. Close friends and relatives, while not meaning to do so, often handicap one through “opinions” and sometimes through ridicule, which is meant to be humorous. Thousands of men and women carry inferiority complexes with them all through life, because some well-meaning, but ignorant person destroyed their confidence through “opinions” or ridicule. You have a brain and mind of your own. USE IT, and reach your own decisions. If you need facts or information from other people, to enable you to reach decisions, as you probably will in many instances; acquire these facts or secure the information you need quietly, without disclosing your purpose. It is characteristic of people who have but a smattering or a veneer of knowledge to try to give the impression that they have much knowledge. Such people generally do TOO MUCH talking, and TOO LITTLE listening. Keep your eyes and ears wide open—and your mouth CLOSED, if you wish to acquire the habit of prompt DECISION. Those who talk too much do little else. If you talk more than you listen, you not only deprive yourself of many opportunities to accumulate useful knowledge, but you also disclose your PLANS and PURPOSES to people who will take great delight in defeating you, because they envy you. It is characteristic of people who have but a smattering or a veneer of knowledge to try to give the impression that they have much knowledge. Remember, also, that every time you open your mouth in the presence of a person who has an abundance of knowledge, you display to that person, your exact stock of knowledge, or your LACK of it! Genuine wisdom is usually conspicuous through modesty and silence. Keep in mind the fact that every person with whom you associate is, like yourself, seeking the opportunity to accumulate money. If you talk about your plans too freely, you may be surprised when you learn that some other person has beaten you to your goal by PUTTING INTO ACTION AHEAD OF YOU, the plans of which you talked unwisely. Let one of your first decisions be to KEEP A CLOSED MOUTH AND OPEN EARS AND EYES. As a reminder to yourself to follow this advice, it will be helpful if you copy the following epigram in large letters and place it where you will see it daily. “TELL THE WORLD WHAT YOU INTEND TO DO, BUT FIRST SHOW IT.” This is the equivalent of saying that “deeds, and not words, are what count most.” FREEDOM OR DEATH ON A DECISION The value of decisions depends upon the courage required to render them. The great decisions, which served as the foundation of civilization, were reached by assuming great risks, which often meant the possibility of death. Lincoln’s decision to issue his famous Proclamation of Emancipation, which gave freedom to the colored people of America, was rendered with full understanding that his act would turn thousands of friends and political supporters against him. He knew, too, that the carrying out of that proclamation would mean death to thousands of men on the battlefield. In the end, it cost Lincoln his life. That required courage. Socrates’ decision to drink the cup of poison, rather than compromise in his personal belief, was a decision of courage. It turned Time ahead a thousand years, and gave to people then unborn, the right to freedom of thought and of speech. The decision of Gen. Robert E. Lee, when he came to the parting of the way with the Union, and took up the cause of the South, was a decision of courage, for he well knew that it might cost him his own life, that it would surely cost the lives of others. But, the greatest decision of all time, as far as any American citizen is concerned, was reached in Philadelphia, July 4, 1776, when fifty-six men signed their names to a document, which they well knew would bring freedom to all Americans, or leave every one of the fifty-six hanging from a gallows! You have heard of this famous document, but you may not have drawn from it the great lesson in personal achievement it so plainly taught. We all remember the date of this momentous decision, but few of us realize what courage that decision required. We remember our history, as it was taught; we remember dates, and the names of the men who fought; we remember Valley Forge, and Yorktown; we remember George Washington, and Lord Cornwallis. But we know little of the real forces back of these names, dates, and places. We know still less of that intangible POWER, which insured us freedom long before Washington’s armies reached Yorktown. We read the history of the Revolution, and falsely imagine that George Washington was the Father of our Country, that it was he who won our freedom, while the truth is—Washington was only an accessory after the fact, because victory for his armies had been insured long before Lord Cornwallis surrendered. This is not intended to rob Washington of any of the glory he so richly merited. Its purpose, rather, is to give greater attention to the astounding POWER that was the real cause of his victory. It is nothing short of tragedy that the writers of history have missed, entirely, even the slightest reference to the irresistible POWER, which gave birth and freedom to the nation destined to set up new standards of independence for all the peoples of the earth. I say it is a tragedy, because it is the selfsame POWER which must be used by every individual who surmounts the difficulties of Life, and forces Life to pay the price asked. Let us briefly review the events which gave birth to this POWER. The story begins with an incident in Boston, March 5, 1770. British soldiers were patroling the streets, by their presence, openly threatening the citizens. The colonists resented armed men marching in their midst. They began to express their resentment openly, hurling stones as well as epithets, at the marching soldiers, until the commanding officer gave orders, “Fix bayonets.… Charge!” The battle was on. It resulted in the death and injury of many. The incident aroused such resentment that the Provincial Assembly, (made up of prominent colonists), called a meeting for the purpose of taking definite action. Two of the members of that Assembly were, John Hancock, and Samuel Adams—LONG LIVE THEIR NAMES! They spoke up courageously, and declared that a move must be made to eject all British soldiers from Boston. Remember this—a DECISION, in the minds of two men, might properly be called the beginning of the freedom which we, of the United States now enjoy. Remember, too, that the DECISION of these two men called for FAITH, and COURAGE, because it was dangerous. Before the Assembly adjourned, Samuel Adams was appointed to call on the Governor of the Province, Hutchinson, and demand the withdrawal of the British troops. The request was granted, the troops were removed from Boston, but the incident was not closed. It had caused a situation destined to change the entire trend of civilization. Strange, is it not, how the great changes, such as the American Revolution, and the World War, often have their beginnings in circumstances which seem unimportant? It is interesting, also, to observe that these important changes usually begin in the form of a DEFINITE DECISION in the minds of a relatively small number of people. Few of us know the history of our country well enough to realize that John Hancock, Samuel Adams, and Richard Henry Lee (of the Province of Virginia) were the real Fathers of our Country. Richard Henry Lee became an important factor in this story by reason of the fact that he and Samuel Adams communicated frequently (by correspondence), sharing freely their fears and their hopes concerning the welfare of the people of their Provinces. From this practice, Adams conceived the idea that a mutual exchange of letters between the thirteen Colonies might help to bring about the coordination of effort so badly needed in connection with the solution of their problems. Two years after the clash with the soldiers in Boston (March 1772), Adams presented this idea to the Assembly, in the form of a motion that a Correspondence Committee be established among the Colonies, with definitely appointed correspondents in each Colony, “for the purpose of friendly cooperation for the betterment of the Colonies of British America.” Mark well this incident! It was the beginning of the organization of the far-flung POWER destined to give freedom to you, and to me. The Master Mind had already been organized. It consisted of Adams, Lee, and Hancock. “I tell you further, that if two of you agree upon the earth concerning anything for which you ask, it will come to you from My Father, who is in Heaven.” The Committee of Correspondence was organized. Observe that this move provided the way for increasing the power of the Master Mind by adding to it men from all the Colonies. Take notice that this procedure constituted the first ORGANIZED PLANNING of the disgruntled Colonists. In union there is strength! The citizens of the Colonies had been waging disorganized warfare against the British soldiers, through incidents similar to the Boston riot, but nothing of benefit had been accomplished. Their individual grievances had not been consolidated under one Master Mind. No group of individuals had put their hearts, minds, souls, and bodies together in one definite DECISION to settle their difficulty with the British once and for all, until Adams, Hancock, and Lee got together. Meanwhile, the British were not idle. They, too, were doing some PLANNING and “Master-Minding” on their own account, with the advantage of having back of them money, and organized soldiery. The Crown appointed Gage to supplant Hutchinson as the Governor of Massachusetts. One of the new Governor’s first acts was to send a messenger to call on Samuel Adams, for the purpose of endeavoring to stop his opposition—by FEAR. We can best understand the spirit of what happened by quoting the conversation between Col. Fenton, (the messenger sent by Gage), and Adams. Col. Fenton: “I have been authorized by Governor Gage, to assure you, Mr. Adams, that the Governor has been empowered to confer upon you such benefits as would be satisfactory, [endeavor to win Adams by promise of bribes], upon the condition that you engage to cease in your opposition to the measures of the government. It is the Governor’s advice to you, Sir, not to incur the further displeasure of his majesty. Your conduct has been such as makes you liable to penalties of an Act of Henry VIII, by which persons can be sent to England for trial for treason, or misprision of treason, at the discretion of a governor of a province. But, BY CHANGING YOUR POLITICAL COURSE, you will not only receive great personal advantages, but you will make your peace with the King.” Samuel Adams had the choice of two DECISIONS. He could cease his opposition, and receive personal bribes, or he could CONTINUE, AND RUN THE RISK OF BEING HANGED! Clearly, the time had come when Adams was forced to reach instantly, a DECISION which could have cost his life. The majority of men would have found it difficult to reach such a decision. The majority would have sent back an evasive reply, but not Adams! He insisted upon Col. Fenton’s word of honor, that the Colonel would deliver to the Governor the answer exactly as Adams would give it to him. Adams’ answer, “Then you may tell Governor Gage that I trust I have long since made my peace with the King of Kings. No personal consideration shall induce me to abandon the righteous cause of my Country. And, TELL GOVERNOR GAGE IT IS THE ADVICE OF SAMUEL ADAMS TO HIM, no longer to insult the feelings of an exasperated people.” Comment as to the character of this man seem unnecessary. It must be obvious to all who read this astounding message that its sender possessed loyalty of the highest order. This is important. (Racketeers and dishonest politicians have prostituted the honor for which such men as Adams died). When Governor Gage received Adams’ caustic reply, he flew into a rage, and issued a proclamation which read, “I do, hereby, in his majesty’s name, offer and promise his most gracious pardon to all persons who shall forthwith lay down their arms, and return to the duties of peaceable subjects, excepting only from the benefit of such pardon, SAMUEL ADAMS AND JOHN HANCOCK, whose offences are of too flagitious a nature to admit of any other consideration but that of condign punishment.” As one might say, in modern slang, Adams and Hancock were “on the spot!” The threat of the irate Governor forced the two men to reach another DECISION, equally as dangerous. They hurriedly called a secret meeting of their staunchest followers. (here the Master Mind began to take on momentum). After the meeting had been called to order, Adams locked the door, placed the key in his pocket, and informed all present that it was imperative that a Congress of the Colonists be organized, and that NO MAN SHOULD LEAVE THE ROOM UNTIL THE DECISION FOR SUCH A CONGRESS HAD BEEN REACHED. Great excitement followed. Some weighed the possible consequences of such radicalism (Old Man Fear). Some expressed grave doubt as to the wisdom of so definite a decision in defiance of the Crown. Locked in that room were TWO MEN immune to Fear, blind to the possibility of Failure. Hancock and Adams. Through the influence of their minds, the others were induced to agree that, through the Correspondence Committee, arrangements should be made for a meeting of the First Continental Congress, to be held in Philadelphia, September 5, 1774. Remember this date. It is more important than July 4, 1776. If there had been no DECISION to hold a Continental Congress, there could have been no signing of the Declaration of Independence. Before the first meeting of the new Congress, another leader, in a different section of the country was deep in the throes of publishing a “Summary View of the Rights of British America.” He was Thomas Jefferson, of the Province of Virginia, whose relationship to Lord Dunmore, (representative of the Crown in Virginia), was as strained as that of Hancock and Adams with their Governor. Shortly after his famous Summary of Rights was published, Jefferson was informed that he was subject to prosecution for high treason against his majesty’s government. Inspired by the threat, one of Jefferson’s colleagues, Patrick Henry, boldly spoke his mind, concluding his remarks with a sentence which shall remain forever a classic, “If this be treason, then make the most of it.” It was such men as these who, without power, without authority, without military strength, without money, sat in solemn consideration of the destiny of the colonies, beginning at the opening of the First Continental Congress, and continuing at intervals for two years—until on June 7, 1776, Richard Henry Lee arose, addressed the Chair, and to the startled Assembly made this motion: “Gentlemen, I make the motion that these United Colonies are, and of right ought to be free and independent states, that they be absolved from all allegiance to the British Crown, and that all political connection between them and the state of Great Britain is, and ought to be totally dissolved.” Lee’s astounding motion was discussed fervently, and at such length that he began to lose patience. Finally, after days of argument, he again took the floor, and declared, in a clear, firm voice, “Mr. President, we have discussed this issue for days. It is the only course for us to follow. Why, then Sir, do we longer delay? Why still deliberate? Let this happy day give birth to an American Republic. Let her arise, not to devastate and to conquer, but to reestablish the reign of peace, and of law. The eyes of Europe are fixed upon us. She demands of us a living example of freedom, that may exhibit a contrast, in the felicity of the citizen, to the ever increasing tyranny.” Before his motion was finally voted upon, Lee was called back to Virginia, because of serious family illness, but before leaving, he placed his cause in the hands of his friend, Thomas Jefferson, who promised to fight until favorable action was taken. Shortly thereafter the President of the Congress (Hancock), appointed Jefferson as Chairman of a Committee to draw up a Declaration of Independence. Long and hard the Committee labored, on a document which would mean, when accepted by the Congress, that EVERY MAN WHO SIGNED IT, WOULD BE SIGNING HIS OWN DEATH WARRANT, should the Colonies lose in the fight with Great Britain, which was sure to follow. The document was drawn, and on June 28, the original draft was read before the Congress. For several days it was discussed, altered, and made ready. On July 4, 1776, Thomas Jefferson stood before the Assembly, and fearlessly read the most momentous DECISION ever placed upon paper. “When in the course of human events it is necessary for one people to dissolve the political bands which have connected them with another, and to assume, among the powers of the earth, the separate and equal station to which the laws of Nature, and of Nature’s God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.…” When Jefferson finished, the document was voted upon, accepted, and signed by the fifty-six men, every one staking his own life upon his DECISION to write his name. By that DECISION came into existence a nation destined to bring to mankind forever, the privilege of making DECISIONS. By decisions made in a similar spirit of Faith, and only by such decisions, can men solve their personal problems, and win for themselves high estates of material and spiritual wealth. Let us not forget this! Analyze the events which led to the Declaration of Independence, and be convinced that this nation, which now holds a position of commanding respect and power among all nations of the world, was born of a DECISION created by a Master Mind, consisting of fifty-six men. Note well, the fact that it was their DECISION which insured the success of Washington’s armies, because the spirit of that decision was in the heart of every soldier who fought with him, and served as a spiritual power which recognizes no such thing as FAILURE. Note, also, (with great personal benefit), that the POWER which gave this nation its freedom, is the self-same power that must be used by every individual who becomes self-determining. This POWER is made up of the principles described in this book. It will not be difficult to detect, in the story of the Declaration of Independence, at least six of these principles; DESIRE, DECISION, FAITH, PERSISTENCE, THE MASTER MIND, and ORGANIZED PLANNING. Throughout this philosophy will be found the suggestion that thought, backed by strong DESIRE, has a tendency to transmute itself into its physical equivalent. Before passing on, I wish to leave with you the suggestion that one may find in this story, and in the story of the organization of the United States Steel Corporation, a perfect description of the method by which thought makes this astounding transformation. In your search for the secret of the method, do not look for a miracle, because you will not find it. You will find only the eternal laws of Nature. These laws are available to every person who has the FAITH and the COURAGE to use them. They may be used to bring freedom to a nation, or to accumulate riches. There is no charge save the time necessary to understand and appropriate them. Those who reach DECISIONS promptly and definitely, know what they want, and generally get it. The leaders in every walk of life DECIDE quickly, and firmly. That is the major reason why they are leaders. The world has the habit of making room for the man whose words and actions show that he knows where he is going. INDECISION is a habit which usually begins in youth. The habit takes on permanency as the youth goes through graded school, high school, and even through college, without DEFINITENESS OF PURPOSE. The major weakness of all educational systems is that they neither teach nor encourage the habit of DEFINITE DECISION. It would be beneficial if no college would permit the enrollment of any student, unless and until the student declared his major purpose in matriculating. It would be of still greater benefit, if every student who enters the graded schools were compelled to accept training in the HABIT OF DECISION, and forced to pass a satisfactory examination on this subject before being permitted to advance in the grades. The habit of INDECISION acquired because of the deficiencies of our school systems, goes with the student into the occupation he chooses … IF … in fact, he chooses his occupation. Generally, the youth just out of school seeks any job that can be found. He takes the first place he finds, because he has fallen into the habit of INDECISION. Ninety-eight out of every hundred people working for wages today, are in the positions they hold, because they lacked the DEFINITENESS OF DECISION to PLAN A DEFINITE POSITION, and the knowledge of how to choose an employer. DEFINITENESS OF DECISION always requires courage, sometimes very great courage. The fifty-six men who signed the Declaration of Independence staked their lives on the DECISION to affix their signatures to that document. The person who reaches a DEFINITE DECISION to procure the particular job, and make life pay the price he asks, does not stake his life on that decision; he stakes his ECONOMIC FREEDOM. Financial independence, riches, desirable business and professional positions are not within reach of the person who neglects or refuses to EXPECT, PLAN, and DEMAND these things. The person who desires riches in the same spirit that Samuel Adams desired freedom for the Colonies, is sure to accumulate wealth. In the chapter on Organized Planning, you will find complete instructions for marketing every type of personal services. You will find also detailed information on how to choose the employer you prefer, and the particular job you desire. These instructions will be of no value to you UNLESS YOU DEFINITELY DECIDE to organize them into a plan of action. Chapter Eight Key Points 1. Procrastination is a form of fear. If you succumb to it, your plans will never be realized. 2. The best remedy for procrastination is passion for your aim. 3. Successful people reach decisions promptly and rarely reverse them. Failure and dithering are closely linked. 4. Opportunity will not stand still. Act with expediency. 5. Never solicit or value random opinions. Share your plans only with your Master Mind partners and trusted experts. Most opinions, including those of relatives and “friends,” are uninformed and hence worthless. 6. Successful people avoid idle talk about their business. Do not open yourself to negative influences. 7. Decision is aided by specialized knowledge. Seek it out, cultivate it, value it. Chapter 9 Persistence The Sustained Effort Necessary to Induce Faith The Eighth Step to Riches PERSISTENCE is an essential factor in the procedure of transmuting DESIRE into its monetary equivalent. The basis of persistence is the POWER OF WILL. Will-power and desire, when properly combined, make an irresistible pair. Men who accumulate great fortunes are generally known as coldblooded, and sometimes ruthless. Often they are misunderstood. What they have is will-power, which they mix with persistence, and place back of their desires to insure the attainment of their objectives. Henry Ford has been generally misunderstood to be ruthless and coldblooded. This misconception grew out of Ford’s habit of following through in all of his plans with PERSISTENCE. The majority of people are ready to throw their aims and purposes overboard, and give up at the first sign of opposition or misfortune. A few carry on DESPITE all opposition, until they attain their goal. These few are the Fords, Carnegies, Rockefellers, and Edisons. There may be no heroic connotation to the word “persistence,” but the quality is to the character of man what carbon is to steel. The building of a fortune, generally, involves the application of the entire thirteen factors of this philosophy. These principles must be understood, they must be applied with PERSISTENCE by all who accumulate money. If you are following this book with the intention of applying the knowledge it conveys, your first test as to your PERSISTENCE will come when you begin to follow the six steps described in the second chapter. Unless you are one of the two out of every hundred who already have a DEFINITE GOAL at which you are aiming, and a DEFINITE PLAN for its attainment, you may read the instructions, and then pass on with your daily routine, and never comply with those instructions. The author is checking you up at this point, because lack of persistence is one of the major causes of failure. Moreover, experience with thousands of people has proved that lack of persistence is a weakness common to the majority of men. It is a weakness which may be overcome by effort. The ease with which lack of persistence may be conquered will depend entirely upon the INTENSITY OF ONE’S DESIRE. The starting point of all achievement is DESIRE. Keep this constantly in mind. Weak desires bring weak results, just as a small amount of fire makes a small amount of heat. If you find yourself lacking in persistence, this weakness may be remedied by building a stronger fire under your desires. Weak desires bring weak results, just as a small amount of fire makes a small amount of heat. Continue to read through to the end, then go back to Chapter two, and start immediately to carry out the instructions given in connection with the six steps. The eagerness with which you follow these instructions will indicate clearly, how much, or how little you really DESIRE to accumulate money. If you find that you are indifferent, you may be sure that you have not yet acquired the “money consciousness” which you must possess, before you can be sure of accumulating a fortune. Fortunes gravitate to men whose minds have been prepared to “attract” them, just as surely as water gravitates to the ocean. In this book may be found all the stimuli necessary to “attune” any normal mind to the vibrations which will attract the object of one’s desires. If you find you are weak in PERSISTENCE, center your attention upon the instructions contained in the chapter on “Power”; surround yourself with a “MASTER MIND” group, and through the cooperative efforts of the members of this group, you can develop persistence. You will find additional instructions for the development of persistence in the chapters on autosuggestion, and the subconscious mind. Follow the instructions outlined in these chapters until your habit nature hands over to your subconscious mind, a clear picture of the object of your DESIRE. From that point on, you will not be handicapped by lack of persistence. Your subconscious mind works continuously, while you are awake, and while you are asleep. Spasmodic, or occasional effort to apply the rules will be of no value to you. To get RESULTS, you must apply all of the rules until their application becomes a fixed habit with you. In no other way can you develop the necessary “money consciousness.” POVERTY is attracted to the one whose mind is favorable to it, as money is attracted to him whose mind has been deliberately prepared to attract it, and through the same laws. POVERTY CONSCIOUSNESS WILL VOLUNTARILY SEIZE THE MIND WHICH IS NOT OCCUPIED WITH THE MONEY CONSCIOUSNESS. A poverty consciousness develops without conscious application of habits favorable to it. The money consciousness must be created to order, unless one is born with such a consciousness. Catch the full significance of the statements in the preceding paragraph, and you will understand the importance of PERSISTENCE in the accumulation of a fortune. Without PERSISTENCE, you will be defeated, even before you start. With PERSISTENCE you will win. Without PERSISTENCE you will be defeated even before you start. If you have ever experienced a nightmare, you will realize the value of persistence. You are lying in bed, half awake, with a feeling that you are about to smother. You are unable to turn over, or to move a muscle. You realize that you MUST BEGIN to regain control over your muscles. Through persistent effort of will-power, you finally manage to move the fingers of one hand. By continuing to move your fingers, you extend your control to the muscles of one arm, until you can lift it. Then you gain control of the other arm in the same manner. You finally gain control over the muscles of one leg, and then extend it to the other leg. THEN—WITH ONE SUPREME EFFORT OF WILL—you regain complete control over your muscular system, and “snap” out of your nightmare. The trick has been turned step by step. You may find it necessary to “snap” out of your mental inertia, through a similar procedure, moving slowly at first, then increasing your speed, until you gain complete control over your will. Be PERSISTENT no matter how slowly you may, at first, have to move. WITH PERSISTENCE WILL COME SUCCESS. If you select your “Master Mind” group with care, you will have in it, at least one person who will aid you in the development of PERSISTENCE. Some men who have accumulated great fortunes, did so because of NECESSITY. They developed the habit of PERSISTENCE, because they were so closely driven by circumstances, that they had to become persistent. THERE IS NO SUBSTITUTE FOR PERSISTENCE! It cannot be supplanted by any other quality! Remember this, and it will hearten you, in the beginning, when the going may seem difficult and slow. Those who have cultivated the HABIT of persistence seem to enjoy insurance against failure. No matter how many times they are defeated, they finally arrive up toward the top of the ladder. Sometimes it appears that there is a hidden Guide whose duty is to test men through all sorts of discouraging experiences. Those who pick themselves up after defeat and keep on trying, arrive; and the world cries, “Bravo! I knew you could do it!” The hidden Guide lets no one enjoy great achievement without passing the PERSISTENCE TEST. Those who can’t take it, simply do not make the grade. Those who can “take it” are bountifully rewarded for their PERSISTENCE. They receive, as their compensation, whatever goal they are pursuing. That is not all! They receive something infinitely more important than material compensation—the knowledge that “EVERY FAILURE BRINGS WITH IT THE SEED OF AN EQUIVALENT ADVANTAGE.” There are exceptions to this rule; a few people know from experience the soundness of persistence. They are the ones who have not accepted defeat as being anything more than temporary. They are the ones whose DESIRES are so PERSISTENTLY APPLIED that defeat is finally changed into victory. We who stand on the side-lines of Life see the overwhelmingly large number who go down in defeat, never to rise again. We see the few who take the punishment of defeat as an urge to greater effort. These, fortunately, never learn to accept Life’s reverse gear. But what we DO NOT SEE, what most of us never suspect of existing, is the silent but irresistible POWER which comes to the rescue of those who fight on in the face of discouragement. If we speak of this power at all we call it PERSISTENCE, and let it go at that. One thing we all know, if one does not possess PERSISTENCE, one does not achieve noteworthy success in any calling. As these lines are being written, I look up from my work, and see before me, less than a block away, the great mysterious “Broadway,” the “Graveyard of Dead Hopes,” and the “Front Porch of Opportunity.” From all over the world people have come to Broadway, seeking fame, fortune, power, love, or whatever it is that human beings call success. Once in a great while someone steps out from the long procession of seekers, and the world hears that another person has mastered Broadway. But Broadway is not easily nor quickly conquered. She acknowledges talent, recognizes genius, pays off in money, only after one has refused to QUIT. Then we know he has discovered the secret of how to conquer Broadway. The secret is always inseparably attached to one word, PERSISTENCE! The secret is told in the struggle of Fannie Hurst, whose PERSISTENCE conquered the Great White Way. She came to New York in 1915, to convert writing into riches. The conversion did not come quickly, BUT IT CAME. For four years Miss Hurst learned about “The Sidewalks of New York” from first hand experience. She spent her days laboring, and her nights HOPING. When hope grew dim, she did not say, “Alright Broadway, you win!” She said, “Very well, Broadway, you may whip some, but not me. I’m going to force you to give up.” One publisher (The Saturday Evening Post) sent her thirty six rejection slips, before she “broke the ice” and got a story across. The average writer, like the “average” in other walks of life, would have given up the job when the first rejection slip came. She pounded the pavements for four years to the tune of the publisher’s “NO,” because she was determined to win. Then came the “payoff.” The spell had been broken, the unseen Guide had tested Fannie Hurst, and she could take it. From that time on publishers made a beaten path to her door. Money came so fast she hardly had time to count it. Then the moving picture men discovered her, and money came not in small change, but in floods. The moving picture rights to her latest novel, “Great Laughter,” brought $100,000.00, said to be the highest price ever paid for a story before publication. Her royalties from the sale of the book probably will run much more. Briefly, you have a description of what PERSISTENCE is capable of achieving. Fannie Hurst is no exception. Wherever men and women accumulate great riches, you may be sure they first acquired PERSISTENCE. Broadway will give any beggar a cup of coffee and a sandwich, but it demands PERSISTENCE of those who go after the big stakes. Kate Smith will say “amen” when she reads this. For years she sang, without money, and without price, before any microphone she could reach. Broadway said to her, “Come and get it, if you can take it.” She did take it until one happy day Broadway got tired and said, “Aw, what’s the use? You don’t know when you’re whipped, so name your price, and go to work in earnest.” Miss Smith named her price! It was plenty. Away up in figures so high that one week’s salary is far more than most people make in a whole year. Verily it pays to be PERSISTENT! And here is an encouraging statement which carries with it a suggestion of great significance—THOUSANDS OF SINGERS WHO EXCEL KATE SMITH ARE WALKING UP AND DOWN BROADWAY LOOKING FOR A “BREAK”—WITHOUT SUCCESS. Countless others have come and gone, many of them sang well enough, but they failed to make the grade because they lacked the courage to keep on keeping on, until Broadway became tired of turning them away. Persistence is a state of mind, therefore it can be cultivated. Like all states of mind, persistence is based upon definite causes, among them these: Persistence is a state of mind, therefore it can be cultivated. a. DEFINITENESS OF PURPOSE. Knowing what one wants is the first and, perhaps, the most important step toward the development of persistence. A strong motive forces one to surmount many difficulties. b. DESIRE. It is comparatively easy to acquire and to maintain persistence in pursuing the object of intense desire. c. SELF-RELIANCE. Belief in one’s ability to carry out a plan encourages one to follow the plan through with persistence (self-reliance can be developed through the principle described in the chapter on autosuggestion). d. DEFINITENESS OF PLANS. Organized plans, even though they may be weak and entirely impractical, encourage persistence. e. ACCURATE KNOWLEDGE. Knowing that one’s plans are sound, based upon experience or observation, encourages persistence; “guessing” instead of “knowing” destroys persistence. f. CO-OPERATION. Sympathy, understanding, and harmonious cooperation with others tend to develop persistence. g. WILL-POWER. The habit of concentrating one’s thoughts upon the building of plans for the attainment of a definite purpose, leads to persistence. h. HABIT. Persistence is the direct result of habit. The mind absorbs and becomes a part of the daily experiences upon which it feeds. Fear, the worst of all enemies, can be effectively cured by forced repetition of acts of courage. Everyone who has seen active service in war knows this. Before leaving the subject of PERSISTENCE, take inventory of yourself, and determine in what particular, if any, you are lacking in this essential quality. Measure yourself courageously, point by point, and see how many of the eight factors of persistence you lack. The analysis may lead to discoveries that will give you a new grip on yourself. SYMPTOMS OF LACK OF PERSISTENCE Here you will find the real enemies which stand between you and noteworthy achievement. Here you will find not only the “symptoms” indicating weakness of PERSISTENCE, but also the deeply seated subconscious causes of this weakness. Study the list carefully, and face yourself squarely IF YOU REALLY WISH TO KNOW WHO YOU ARE, AND WHAT YOU ARE CAPABLE OF DOING. These are the weaknesses which must be mastered by all who accumulate riches. 1. Failure to recognize and to clearly define exactly what one wants. 2. Procrastination, with or without cause. (Usually backed up with a formidable array of alibis and excuses). 3. Lack of interest in acquiring specialized knowledge. 4. Indecision, the habit of “passing the buck” on all occasions, instead of facing issues squarely. (Also backed by alibis). 5. The habit of relying upon alibis instead of creating definite plans for the solution of problems. 6. Self-satisfaction. There is but little remedy for this affliction, and no hope for those who suffer from it. 7. Indifference, usually reflected in one’s readiness to compromise on all occasions, rather than meet opposition and fight it. 8. The habit of blaming others for one’s mistakes, and accepting unfavorable circumstances as being unavoidable. 9. WEAKNESS OF DESIRE, due to neglect in the choice of MOTIVES that impel action. 10. Willingness, even eagerness, to quit at the first sign of defeat (based upon one or more of the 6 basic fears). 11. Lack of ORGANIZED PLANS, placed in writing where they may be analyzed. 12. The habit of neglecting to move on ideas, or to grasp opportunity when it presents itself. 13. WISHING instead of WILLING. 14. The habit of compromising with POVERTY instead of aiming at riches. General absence of ambition to be, to do, and to own. 15. Searching for all the short-cuts to riches, trying to GET without GIVING a fair equivalent, usually reflected in the habit of gambling, endeavoring to drive “sharp” bargains. 16. FEAR OF CRITICISM, failure to create plans and to put them into action, because of what other people will think, do, or say. This enemy belongs at the head of the list, because it generally exists in one’s subconscious mind, where its presence is not recognized (see the Six Basic Fears in a later chapter). Let us examine some of the symptoms of the Fear of Criticism. The majority of people permit relatives, friends, and the public at large to so influence them that they cannot live their own lives, because they fear criticism. Huge numbers of people make mistakes in marriage, stand by the bargain, and go through life miserable and unhappy, because they fear criticism which may follow if they correct the mistake (anyone who has submitted to this form of fear knows the irreparable damage it does, by destroying ambition, self-reliance, and the desire to achieve). Millions of people neglect to acquire belated educations, after having left school, because they fear criticism. Countless numbers of men and women, both young and old, permit relatives to wreck their lives in the name of DUTY, because they fear criticism (duty does not require any person to submit to the destruction of his personal ambitions and the right to live his own life in his own way). People refuse to take chances in business, because they fear the criticism which may follow if they fail. The fear of criticism, in such cases is stronger than the DESIRE for success. Too many people refuse to set high goals for themselves, or even neglect selecting a career, because they fear the criticism of relatives and “friends” who may say “Don’t aim so high, people will think you are crazy.” When Andrew Carnegie suggested that I devote twenty years to the organization of a philosophy of individual achievement my first impulse of thought was fear of what people might say. The suggestion set up a goal for me, far out of proportion to any I had ever conceived. As quick as a flash, my mind began to create alibis and excuses, all of them traceable to the inherent FEAR OF CRITICISM. Something inside of me said, “You can’t do it—the job is too big, and requires too much time—what will your relatives think of you?—how will you earn a living?—no one has ever organized a philosophy of success, what right have you to believe you can do it?—who are you, anyway, to aim so high?—remember your humble birth—what do you know about philosophy—people will think you are crazy—(and they did)—why hasn’t some other person done this before now?” These, and many other questions flashed into my mind, and demanded attention. It seemed as if the whole world had suddenly turned its attention to me with the purpose of ridiculing me into giving up all desire to carry out Mr. Carnegie’s suggestion. I had a fine opportunity, then and there, to kill off ambition before it gained control of me. Later in life, after having analyzed thousands of people, I discovered that MOST IDEAS ARE STILLBORN, AND NEED THE BREATH OF LIFE INJECTED INTO THEM THROUGH DEFINITE PLANS OF IMMEDIATE ACTION. The time to nurse an idea is at the time of its birth. Every minute it lives, gives it a better chance of surviving. The FEAR OF CRITICISM is at the bottom of the destruction of most ideas which never reach the PLANNING and ACTION stage. Many people believe that material success is the result of favorable “breaks.” There is an element of ground for the belief, but those depending entirely upon luck, are nearly always disappointed, because they overlook another important factor which must be present before one can be sure of success. It is the knowledge with which favorable “breaks” can be made to order. During the depression, W. C. Fields, the comedian, lost all his money, and found himself without income, without a job, and his means of earning a living (Vaudeville) no longer existed. Moreover, he was past sixty, when many men consider themselves “old.” He was so eager to stage a comeback that he offered to work without pay, in a new field (movies). In addition to his other troubles, he fell and injured his neck. To many that would have been the place to give up and QUIT. But Fields was PERSISTENT. He knew that if he carried on he would get the “breaks” sooner or later, and he did get them, but not by chance. Marie Dressler found herself down and out, with her money gone, with no job, when she was about sixty. She, too, went after the “breaks,” and got them. Her PERSISTENCE brought an astounding triumph late in life, long beyond the age when most men and women are done with ambition to achieve. Eddie Cantor lost his money in the 1929 stock crash, but he still had his PERSISTENCE and his courage. With these, plus two prominent eyes, he exploited himself back into an income of $10,000 a week! Verily, if one has PERSISTENCE, one can get along very well without many other qualities. The only “break” anyone can afford to rely upon is a self-made “break.” These come through the application of PERSISTENCE. The starting point is DEFINITENESS OF PURPOSE. Examine the first hundred people you meet, ask them what they want most in life, and ninety eight of them will not be able to tell you. If you press them for an answer, some will say—SECURITY, many will say—MONEY, a few will say—HAPPINESS, others will say—FAME AND POWER, and still others will say—SOCIAL RECOGNITION, EASE IN LIVING, ABILITY TO SING, DANCE, or WRITE, but none of them will be able to define these terms, or give the slightest indication of a PLAN by which they hope to attain these vaguely expressed wishes. Riches do not respond to wishes. They respond only to definite plans, backed by definite desires, through constant PERSISTENCE. HOW TO DEVELOP PERSISTENCE There are four simple steps which lead to the habit of PERSISTENCE. They call for no great amount of intelligence, no particular amount of education, and but little time or effort. The necessary steps are: 1. A DEFINITE PURPOSE BACKED BY BURNING DESIRE FOR ITS FULFILLMENT. 2. A DEFINITE PLAN, EXPRESSED IN CONTINUOUS ACTION. 3. A MIND CLOSED TIGHTLY AGAINST ALL NEGATIVE AND DISCOURAGING INFLUENCES, including negative suggestions of relatives, friends and acquaintances. 4. A FRIENDLY ALLIANCE WITH ONE OR MORE PERSONS WHO WILL ENCOURAGE ONE TO FOLLOW THROUGH WITH BOTH PLAN AND PURPOSE. These four steps are essential for success in all walks of life. The entire purpose of the thirteen principles of this philosophy is to enable one to take these four steps as a matter of habit. These are the steps by which one may control one’s economic destiny. They are the steps that lead to freedom and independence of thought. They are the steps that lead to riches, in small or great quantities. They lead the way to power, fame, and worldly recognition. They are the four steps which guarantee favorable “breaks.” They are the steps that convert dreams into physical realities. They lead, also, to the mastery of FEAR, DISCOURAGEMENT, INDIFFERENCE. There is a magnificent reward for all who learn to take these four steps. It is the privilege of writing one’s own ticket, and of making Life yield whatever price is asked. I have no way of knowing the facts, but I venture to conjecture that Mrs. Wallis Simpson’s great love for a man was not accidental, nor the result of favorable “breaks” alone. There was a burning desire, and careful searching at every step of the way. Her first duty was to love. What is the greatest thing on earth? The Master called it love—not man made rules, criticism, bitterness, slander, or political “marriages,” but love. She knew what she wanted, not after she met the Prince of Wales, but long before that. Twice when she had failed to find it, she had the courage to continue her search. “To thine own self be true, and it must follow, as the night the day, thou canst not then be false to any man.” Her rise from obscurity was of the slow, progressive, PERSISTENT order, but it was SURE! She triumphed over unbelievably long odds; and, no matter who you are, or what you may think of Wallis Simpson, or the king who gave up his Crown for her love, she is an astounding example of applied PERSISTENCE, an instructor on the rules of self-determination, from whom the entire world might profitably take lessons. When you think of Wallis Simpson, think of one who knew what she wanted, and shook the greatest empire on earth to get it. Women who complain that this is a man’s world, that women do not have an equal chance to win, owe it to themselves to study carefully the life of this unusual woman, who, at an age which most women consider “old,” captured the affections of the most desirable bachelor in the entire world. And what of King Edward? What lesson may we learn from his part in the world’s greatest drama of recent times? Did he pay too high a price for the affections of the woman of his choice? Surely no one but he can give the correct answer. The rest of us can only conjecture. This much we know, the king came into the world without his own consent. He was born to great riches, without requesting them. He was persistently sought in marriage; politicians and statesmen throughout Europe tossed dowagers and princesses at his feet. Because he was the first born of his parents, he inherited a crown, which he did not seek, and perhaps did not desire. For more than forty years he was not a free agent, could not live his life in his own way, had but little privacy, and finally assumed duties inflicted upon him when he ascended the throne. Some will say, “With all these blessings, King Edward should have found peace of mind, contentment, and joy of living.” The truth is that back of all the privileges of a crown, all the money, the fame, and the power inherited by King Edward, there was an emptiness which could be filled only by love. His greatest DESIRE was for love. Long before he met Wallis Simpson, he doubtless felt this great universal emotion tugging at the strings of his heart, beating upon the door of his soul, and crying out for expression. And when he met a kindred spirit, crying out for this same Holy privilege of expression, he recognized it, and without fear or apology, opened his heart and bade it enter. All the scandal-mongers in the world cannot destroy the beauty of this international drama, through which two people found love, and had the courage to face open criticism, renounce ALL ELSE to give it holy expression. King Edward’s DECISION to give up the crown of the world’s most powerful empire, for the privilege of going the remainder of the way through life with the woman of his choice, was a decision that required courage. The decision also had a price, but who has the right to say the price was too great? Surely not He who said, “He among you who is without sin, let him cast the first stone.” As a suggestion to any evil-minded person who chooses to find fault with the Duke of Windsor, because his DESIRE was for LOVE, and for openly declaring his love for Wallis Simpson, and giving up his throne for her, let it be remembered that the OPEN DECLARATION was not essential. He could have followed the custom of clandestine liaison which has prevailed in Europe for centuries, without giving up either his throne, or the woman of his choice, and there would have been NO COMPLAINT FROM EITHER CHURCH OR LAITY. But this unusual man was built of sterner stuff. His love was clean. It was deep and sincere. It represented the one thing which, above ALL ELSE he truly DESIRED, therefore, he took what he wanted, and paid the price demanded. If Europe had been blessed with more rulers with the human heart and the traits of honesty of ex-king Edward, for the past century, that unfortunate hemisphere now seething with greed, hate, lust, political connivance, and threats of war, would have a DIFFERENT AND A BETTER STORY TO TELL. A story in which Love and not Hate would rule. In the words of Stuart Austin Wier we raise our cup and drink this toast to ex-king Edward and Wallis Simpson: “Blessed is the man who has come to know that our muted thoughts are our sweetest thoughts. “Blessed is the man who, from the blackest depths, can see the luminous figure of LOVE, and seeing, sing; and singing, say: ‘Sweeter far than uttered lays are the thoughts I have of you.’” In these words would we pay tribute to the two people who, more than all others of modern times, have been the victims of criticism and the recipients of abuse, because they found Life’s greatest treasure, and claimed it.* Most of the world will applaud the Duke of Windsor and Wallis Simpson, because of their PERSISTENCE in searching until they found life’s greatest reward. ALL OF US CAN PROFIT by following their example in our own search for that which we demand of life. What mystical power gives to men of PERSISTENCE the capacity to master difficulties? Does the quality of PERSISTENCE set up in one’s mind some form of spiritual, mental or chemical activity which gives one access to supernatural forces? Does Infinite Intelligence throw itself on the side of the person who still fights on, after the battle has been lost, with the whole world on the opposing side? These and many other similar questions have arisen in my mind as I have observed men like Henry Ford, who started at scratch, and built an Industrial Empire of huge proportions, with little else in the way of a beginning but PERSISTENCE. Or, Thomas A. Edison, who, with less than three months of schooling, became the world’s leading inventor and converted PERSISTENCE into the talking machine, the moving picture machine, and the incandescent light, to say nothing of half a hundred other useful inventions. I had the happy privilege of analyzing both Mr. Edison and Mr. Ford, year by year, over a long period of years, and therefore, the opportunity to study them at close range, so I speak from actual knowledge when I say that I found no quality save PERSISTENCE, in either of them, that even remotely suggested the major source of their stupendous achievements. As one makes an impartial study of the prophets, philosophers, “miracle” men, and religious leaders of the past, one is drawn to the inevitable conclusion that PERSISTENCE, concentration of effort, and DEFINITENESS OF PURPOSE, were the major sources of their achievements. Consider, for example, the strange and fascinating story of Mohammed; analyze his life, compare him with men of achievement in this modern age of industry and finance, and observe how they have one outstanding trait in common, PERSISTENCE! If you are keenly interested in studying the strange power which gives potency to PERSISTENCE, read a biography of Mohammed, especially the one by Essad Bey. This brief review of that book, by Thomas Sugrue, in the Herald-Tribune, will provide a preview of the rare treat in store for those who take the time to read the entire story of one of the most astounding examples of the power of PERSISTENCE known to civilization. THE LAST GREAT PROPHET REVIEWED BY THOMAS SUGRUE “Mohammed was a prophet, but he never performed a miracle. He was not a mystic; he had no formal schooling; he did not begin his mission until he was forty. When he announced that he was the Messenger of God, bringing word of the true religion, he was ridiculed and labeled a lunatic. Children tripped him and women threw filth upon him. He was banished from his native city, Mecca, and his followers were stripped of their worldly goods and sent into the desert after him. When he had been preaching ten years he had nothing to show for it but banishment, poverty and ridicule. Yet before another ten years had passed, he was dictator of all Arabia, ruler of Mecca, and the head of a New World religion which was to sweep to the Danube and the Pyrenees before exhausting the impetus he gave it. That impetus was three-fold: the power of words, the efficacy of prayer and man’s kinship with God. “His career never made sense. Mohammed was born to impoverished members of a leading family of Mecca. Because Mecca, the crossroads of the world, home of the magic stone called the Caaba, great city of trade and the center of trade routes, was unsanitary, its children were sent to be raised in the desert by Bedouins. Mohammed was thus nurtured, drawing strength and health from the milk of nomad, vicarious mothers. He tended sheep and soon hired out to a rich widow as leader of her caravans. He traveled to all parts of the Eastern World, talked with many men of diverse beliefs and observed the decline of Christianity into warring sects. When he was twenty-eight, Khadija, the widow, looked upon him with favor, and married him. Her father would have objected to such a marriage, so she got him drunk and held him up while he gave the paternal blessing. For the next twelve years Mohammed lived as a rich and respected and very shrewd trader. Then he took to wandering in the desert, and one day he returned with the first verse of the Koran and told Khadija that the archangel Gabriel had appeared to him and said that he was to be the Messenger of God. “The Koran, the revealed word of God, was the closest thing to a miracle in Mohammed’s life. He had not been a poet; he had no gift of words. Yet the verses of the Koran, as he received them and recited them to the faithful, were better than any verses which the professional poets of the tribes could produce. This, to the Arabs, was a miracle. To them the gift of words was the greatest gift, the poet was all-powerful. In addition the Koran said that all men were equal before God, that the world should be a democratic state Islam. It was this political heresy, plus Mohammed’s desire to destroy all the 360 idols in the courtyard of the Caaba, which brought about his banishment. The idols brought the desert tribes to Mecca, and that meant trade. So the business men of Mecca, the capitalists, of which he had been one, set upon Mohammed. Then he retreated to the desert and demanded sovereignty over the world. “The rise of Islam began. Out of the desert came a flame which would not be extinguished—a democratic army fighting as a unit and prepared to die without wincing. Mohammed had invited the Jews and Christians to join him; for he was not building a new religion. He was calling all who believed in one God to join in a single faith. If the Jews and Christians had accepted his invitation Islam would have conquered the world. They didn’t. They would not even accept Mohammed’s innovation of humane warfare. When the armies of the prophet entered Jerusalem not a single person was killed because of his faith. When the crusaders entered the city, centuries later, not a Moslem man, woman, or child was spared. But the Christians did accept one Moslem idea—the place of learning, the university.” Chapter Nine Key Points 1. Persistence is the congealing ingredient to your plans. Nothing worthwhile is produced without it. 2. Passionate desire feeds persistence. 3. Your Master Mind group helps you sustain persistence. 4. Life has a strange way of testing our persistence. Only those who pass the test attain sustained success. 5. Study the steps that build and deplete persistence— return to them. 6. Accurate and meaningful criticism builds persistence. Never fear or avoid it. 7. The company you keep—including your closest relationships— plays a critical role in your ability to meaningfully persist. * Mrs. Simpson read and approved this analysis. Chapter 10 Power of the Master Mind The Driving Force The Ninth Step to Riches POWER is essential for success in the accumulation of money. PLANS are inert and useless, without sufficient POWER to translate them into ACTION. This chapter will describe the method by which an individual may attain and apply POWER. POWER may be defined as “organized and intelligently directed KNOWLEDGE.” Power, as the term is here used, refers to ORGANIZED effort, sufficient to enable an individual to transmute DESIRE into its monetary equivalent. ORGANIZED effort is produced through the coordination of effort of two or more people, who work toward a DEFINITE end, in a spirit of harmony. POWER IS REQUIRED FOR THE ACCUMULATION OF MONEY! POWER IS NECESSARY FOR THE RETENTION OF MONEY AFTER IT HAS BEEN ACCUMULATED! Let us ascertain how power may be acquired. If power is “organized knowledge,” let us examine the sources of knowledge: a. INFINITE INTELLIGENCE. This source of knowledge may be contacted through the procedure described in another chapter, with the aid of Creative Imagination. b. ACCUMULATED EXPERIENCE. The accumulated experience of man, (or that portion of it which has been organized and recorded), may be found in any well-equipped public library. An important part of this accumulated experience is taught in public schools and colleges, where it has been classified and organized. c. EXPERIMENT AND RESEARCH. In the field of science, and in practically every other walk of life, men are gathering, classifying, and organizing new facts daily. This is the source to which one must turn when knowledge is not available through “accumulated experience.” Here, too, the Creative Imagination must often be used. Knowledge may be acquired from any of the foregoing sources. It may be converted into POWER by organizing it into definite PLANS and by expressing those plans in terms of ACTION. Examination of the three major sources of knowledge will readily disclose the difficulty an individual would have, if he depended upon his efforts alone, in assembling knowledge and expressing it through definite plans in terms of ACTION. If his plans are comprehensive, and if they contemplate large proportions, he must, generally, induce others to cooperate with him, before he can inject into them the necessary element of POWER. GAINING POWER THROUGH THE “MASTER MIND” The “Master Mind” may be defined as: “Coordination of knowledge and effort, in a spirit of harmony, between two or more people, for the attainment of a definite purpose.” No individual may have great power without availing himself of the “Master Mind.” In a preceding chapter, instructions were given for the creation of PLANS for the purpose of translating DESIRE into its monetary equivalent. If you carry out these instructions with PERSISTENCE and intelligence, and use discrimination in the selection of your “Master Mind” group, your objective will have been half-way reached, even before you begin to recognize it. No individual may have great power without availing himself of the “Master Mind.” So you may better understand the “intangible” potentialities of power available to you, through a properly chosen “Master Mind” group, we will here explain the two characteristics of the Master Mind principle, one of which is economic in nature, and the other psychic. The economic feature is obvious. Economic advantages may be created by any person who surrounds himself with the advice, counsel, and personal cooperation of a group of men who are willing to lend him wholehearted aid, in a spirit of PERFECT HARMONY. This form of cooperative alliance has been the basis of nearly every great fortune. Your understanding of this great truth may definitely determine your financial status. The psychic phase of the Master Mind principle is much more abstract, much more difficult to comprehend, because it has reference to the spiritual forces with which the human race, as a whole, is not well acquainted. You may catch a significant suggestion from this statement: “No two minds ever come together without, thereby, creating a third, invisible, intangible force which may be likened to a third mind.” Keep in mind the fact that there are only two known elements in the whole universe, energy and matter. It is a well known fact that matter may be broken down into units of molecules, atoms, and electrons. There are units of matter which may be isolated, separated, and analyzed. Likewise, there are units of energy. The human mind is a form of energy, a part of it being spiritual in nature. When the minds of two people are coordinated in a SPIRIT OF HARMONY, the spiritual units of energy of each mind form an affinity, which constitutes the “psychic” phase of the Master Mind. The Master Mind principle, or rather the economic feature of it, was first called to my attention by Andrew Carnegie, over twenty-five years ago. Discovery of this principle was responsible for the choice of my life’s work. Mr. Carnegie’s Master Mind group consisted of a staff of approximately fifty men, with whom he surrounded himself, for the DEFINITE PURPOSE of manufacturing and marketing steel. He attributed his entire fortune to the POWER he accumulated through this “Master Mind.” Analyze the record of any man who has accumulated a great fortune, and many of those who have accumulated modest fortunes, and you will find that they have either consciously, or unconsciously employed the “Master Mind” principle. GREAT POWER CAN BE ACCUMULATED THROUGH NO OTHER PRINCIPLE! ENERGY is Nature’s universal set of building blocks, out of which she constructs every material thing in the universe, including man, and every form of animal and vegetable life. Through a process which only Nature completely understands, she translates energy into matter. Nature’s building blocks are available to man, in the energy involved in THINKING! Man’s brain may be compared to an electric battery. It absorbs energy from the ether, which permeates every atom of matter, and fills the entire universe. It is a well known fact that a group of electric batteries will provide more energy than a single battery. It is also a well known fact that an individual battery will provide energy in proportion to the number and capacity of the cells it contains. The brain functions in a similar fashion. This accounts for the fact that some brains are more efficient than others, and leads to this significant statement—a group of brains coordinated (or connected) in a spirit of harmony, will provide more thought-energy than a single brain, just as a group of electric batteries will provide more energy than a single battery. Through this metaphor it becomes immediately obvious that the Master Mind principle holds the secret of the POWER wielded by men who surround themselves with other men of brains. There follows, now, another statement which will lead still nearer to an understanding of the psychic phase of the Master Mind principle: When a group of individual brains are coordinated and function in Harmony, the increased energy created through that alliance, becomes available to every individual brain in the group. It is a well known fact that Henry Ford began his business career under the handicap of poverty, illiteracy, and ignorance. It is an equally well known fact that, within the inconceivably short period of ten years, Mr. Ford mastered these three handicaps, and that within twenty-five years he made himself one of the richest men in America. Connect with this fact, the additional knowledge that Mr. Ford’s most rapid strides became noticeable, from the time he became a personal friend of Thomas A. Edison, and you will begin to understand what the influence of one mind upon another can accomplish. Go a step farther, and consider the fact that Mr. Ford’s most outstanding achievements began from the time that he formed the acquaintances of Harvey Firestone, John Burroughs, and Luther Burbank, (each a man of great brain capacity), and you will have further evidence that POWER may be produced through friendly alliance of minds. There is little if any doubt that Henry Ford is one of the best informed men in the business and industrial world. The question of his wealth needs no discussion. Analyze Mr. Ford’s intimate personal friends, some of whom have already been mentioned, and you will be prepared to understand the following statement: “Men take on the nature and the habits and the POWER OF THOUGHT of those with whom they associate in a spirit of sympathy and harmony.” Henry Ford whipped poverty, illiteracy, and ignorance by allying himself with great minds, whose vibrations of thought he absorbed into his own mind. Through his association with Edison, Burbank, Burroughs, and Firestone, Mr. Ford added to his own brain power, the sum and substance of the intelligence, experience, knowledge, and spiritual forces of these four men. Moreover, he appropriated, and made use of the Master Mind principle through the methods of procedure described in this book. This principle is available to you! We have already mentioned Mahatma Gandhi. Perhaps the majority of those who have heard of Gandhi, look upon him as merely an eccentric little man, who goes around without formal wearing apparel, and makes trouble for the British Government. In reality, Gandhi is not eccentric, but HE IS THE MOST POWERFUL MAN NOW LIVING (estimated by the number of his followers and their faith in their leader.) Moreover, he is probably the most powerful man who has ever lived. His power is passive, but it is real. Let us study the method by which he attained his stupendous POWER. It may be explained in a few words. He came by POWER through inducing over two hundred million people to coordinate, with mind and body, in a spirit of HARMONY, for a DEFINITE PURPOSE. In brief, Gandhi has accomplished a MIRACLE, for it is a miracle when two hundred million people can be induced—not forced—to cooperate in a spirit of HARMONY, for a limitless time. If you doubt that this is a miracle, try to induce ANY TWO PEOPLE to cooperate in a spirit of harmony for any length of time. Every man who manages a business knows what a difficult matter it is to get employees to work together in a spirit even remotely resembling HARMONY. The list of the chief sources from which POWER may be attained is, as you have seen, headed by INFINITE INTELLIGENCE. When two or more people coordinate in a spirit of HARMONY, and work toward a definite objective, they place themselves in position, through that alliance, to absorb power directly from the great universal storehouse of Infinite Intelligence. This is the greatest of all sources of POWER. It is the source to which the genius turns. It is the source to which every great leader turns, (whether he may be conscious of the fact or not). The other two major sources from which the knowledge, necessary for the accumulation of POWER, may be obtained are no more reliable than the five senses of man. The senses are not always reliable. Infinite Intelligence DOES NOT ERR. In subsequent chapters, the methods by which Infinite Intelligence may be most readily contacted will be adequately described. This is not a course on religion. No fundamental principle described in this book should be interpreted as being intended to interfere either directly, or indirectly, with any man’s religious habits. This book has been confined, exclusively, to instructing the reader how to transmute the DEFINITE PURPOSE OF DESIRE FOR MONEY, into its monetary equivalent. Read, THINK, and meditate as you read. Soon, the entire subject will unfold, and you will see it in perspective. You are now seeing the detail of the individual chapters. Money is as shy and elusive as the “old time” maiden. It must be wooed and won by methods not unlike those used by a determined lover, in pursuit of the girl of his choice. And, coincidental as it is, the POWER used in the “wooing” of money is not greatly different from that used in wooing a maiden. That power, when successfully used in the pursuit of money must be mixed with FAITH. It must be mixed with DESIRE. It must be mixed with PERSISTENCE. It must be applied through a plan, and that plan must be set into ACTION. When money comes in quantities known as “the big money,” it flows to the one who accumulates it, as easily as water flows down hill. There exists a great unseen stream of POWER, which may be compared to a river; except that one side flows in one direction, carrying all who get into that side of the stream, onward and upward to WEALTH—and the other side flows in the opposite direction, carrying all who are unfortunate enough to get into it (and not able to extricate themselves from it), downward to misery and POVERTY. Every man who has accumulated a great fortune, has recognized the existence of this stream of life. It consists of one’s THINKING PROCESS. The positive emotions of thought form the side of the stream which carries one to fortune. The negative emotions form the side which carries one down to poverty. This carries a thought of stupendous importance to the person who is following this book with the object of accumulating a fortune. If you are in the side of the stream of POWER which leads to poverty, this may serve as an oar, by which you may propel yourself over into the other side of the stream. It can serve you ONLY through application and use. Merely reading, and passing judgment on it, either one way or another, will in no way benefit you. Some people undergo the experience of alternating between the positive and negative sides of the stream, being at times on the positive side, and at times on the negative side. The Wall Street crash of ’29 swept millions of people from the positive to the negative side of the stream. These millions are struggling, some of them in desperation and fear, to get back to the positive side of the stream. This book was written especially for those millions. Poverty and riches often change places. The Crash taught the world this truth, although the world will not long remember the lesson. Poverty may, and generally does, voluntarily take the place of riches. When riches take the place of poverty, the change is usually brought about through well-conceived and carefully executed PLANS. Poverty needs no plan. It needs no one to aid it, because it is bold and ruthless. Riches are shy and timid. They have to be “attracted.” Chapter Ten Key Points 1. The Master Mind principle is the most easily neglected step in this program but it is vital to success. 2. A Master Mind group consists of two or more people in harmonious alliance to promote one another’s aims. 3. Your Master Mind meeting can take place face to face or by phone or video call. 4. Your Master Mind group should meet a regularly designated time at least once a week. 5. The Master Mind principle can be defined as Infinite Intelligence localized. It is present whenever two or more people meet in a spirit of mutual help and comity. 6. The one critical ingredient of the Master Mind is like values and group harmony. 7. Your Master Mind group is an outlet for sharing your plans and ideas. Use it as the opportunity to be self-revealing—the very thing you must avoid with strangers, casual acquaintances, or people who lack specialized knowledge. ANYBODY CAN WISH FOR RICHES, AND MOST PEOPLE DO, BUT ONLY A FEW KNOW THAT A DEFINITE PLAN, PLUS A BURNING DESIRE FOR WEALTH, ARE THE ONLY DEPENDABLE MEANS OF ACCUMULATING WEALTH. Chapter 11 The Mystery of Sex Transmutation The Tenth Step to Riches The meaning of the word “transmute” is, in simple language, “the changing, or transferring of one element, or form of energy, into another.” The emotion of sex brings into being a state of mind. Because of ignorance on the subject, this state of mind is generally associated with the physical, and because of improper influences, to which most people have been subjected, in acquiring knowledge of sex, things essentially physical have highly biased the mind. The emotion of sex has back of it the possibility of three constructive potentialities, they are: 1. The perpetuation of mankind. 2. The maintenance of health, (as a therapeutic agency, it has no equal). 3. The transformation of mediocrity into genius through transmutation. Sex transmutation is simple and easily explained. It means the switching of the mind from thoughts of physical expression, to thoughts of some other nature. Sex desire is the most powerful of human desires. When driven by this desire, men develop keenness of imagination, courage, will-power, persistence, and creative ability unknown to them at other times. So strong and impelling is the desire for sexual contact that men freely run the risk of life and reputation to indulge it. When harnessed, and redirected along other lines, this motivating force maintains all of its attributes of keenness of imagination, courage, etc., which may be used as powerful creative forces in literature, art, or in any other profession or calling, including, of course, the accumulation of riches. Sex desire is the most powerful of human desires. When driven by this desire, men develop keenness of imagination, courage, will-power, persistence, and creative ability unknown to them at other times. The transmutation of sex energy calls for the exercise of will-power, to be sure, but the reward is worth the effort. The desire for sexual expression is inborn and natural. The desire cannot, and should not be submerged or eliminated. But it should be given an outlet through forms of expression which enrich the body, mind, and spirit of man. If not given this form of outlet, through transmutation, it will seek outlets through purely physical channels. A river may be dammed, and its water controlled for a time, but eventually, it will force an outlet. The same is true of the emotion of sex. It may be submerged and controlled for a time, but its very nature causes it to be ever seeking means of expression. If it is not transmuted into some creative effort it will find a less worthy outlet. Fortunate, indeed, is the person who has discovered how to give sex emotion an outlet through some form of creative effort, for he has, by that discovery, lifted himself to the status of a genius. Scientific research has disclosed these significant facts: 1. The men of greatest achievement are men with highly developed sex natures; men who have learned the art of sex transmutation. 2. The men who have accumulated great fortunes and achieved outstanding recognition in literature, art, industry, architecture, and the professions, were motivated by the influence of a woman. The research from which these astounding discoveries were made, went back through the pages of biography and history for more than two thousand years. Wherever there was evidence available in connection with the lives of men and women of great achievement, it indicated most convincingly that they possessed highly developed sex natures. The emotion of sex is an “irresistible force,” against which there can be no such opposition as an “immovable body.” When driven by this emotion, men become gifted with a super power for action. Understand this truth, and you will catch the significance of the statement that sex transmutation will lift one to the status of a genius. The emotion of sex is an “irresistible force,” against which there can be no such opposition as an “immovable body.” The emotion of sex contains the secret of creative ability. Destroy the sex glands, whether in man or beast, and you have removed the major source of action. For proof of this, observe what happens to any animal after it has been castrated. A bull becomes as docile as a cow after it has been altered sexually. Sex alteration takes out of the male, whether man or beast, all the FIGHT that was in him. Sex alteration of the female has the same effect. THE TEN MIND STIMULI The human mind responds to stimuli, through which it may be “keyed up” to high rates of vibration, known as enthusiasm, creative imagination, intense desire, etc. The stimuli to which the mind responds most freely are: 1. The desire for sex expression 2. Love 3. A burning desire for fame, power, or financial gain, MONEY 4. Music 5. Friendship between either those of the same sex, or those of the opposite sex. 6. A Master Mind alliance based upon the harmony of two or more people who ally themselves for spiritual or temporal advancement. 7. Mutual suffering, such as that experienced by people who are persecuted. 8. Auto-suggestion 9. Fear 10. Narcotics and alcohol. The desire for sex expression comes at the head of the list of stimuli, which most effectively “step-up” the vibrations of the mind and start the “wheels” of physical action. Eight of these stimuli are natural and constructive. Two are destructive. The list is here presented for the purpose of enabling you to make a comparative study of the major sources of mind stimulation. From this study, it will be readily seen that the emotion of sex is, by great odds, the most intense and powerful of all mind stimuli. This comparison is necessary as a foundation for proof of the statement that transmutation of sex energy may lift one to the status of a genius. Let us find out what constitutes a genius. Some wiseacre has said that a genius is a man who “wears long hair, eats queer food, lives alone, and serves as a target for the joke makers.” A better definition of a genius is, “a man who has discovered how to increase the vibrations of thought to the point where he can freely communicate with sources of knowledge not available through the ordinary rate of vibration of thought.” The person who thinks will want to ask some questions concerning this definition of genius. The first question will be, “How may one communicate with sources of knowledge which are not available through the ORDINARY rate of vibration of thought?” The next question will be, “Are there known sources of knowledge which are available only to genii, and if so, WHAT ARE THESE SOURCES, and exactly how may they be reached?” We shall offer proof of the soundness of some of the more important statements made in this book—or at least we shall offer evidence through which you may secure your own proof through experimentation, and in doing so, we shall answer both of these questions. “GENIUS” IS DEVELOPED THROUGH THE SIXTH SENSE The reality of a “sixth sense” has been fairly well established. This sixth sense is “Creative Imagination.” The faculty of creative imagination is one which the majority of people never use during an entire lifetime, and if used at all, it usually happens by mere accident. A relatively small number of people use, WITH DELIBERATION AND PURPOSE AFORETHOUGHT, the faculty of creative imagination. Those who use this faculty voluntarily, and with understanding of its functions, are GENII. The faculty of creative imagination is the direct link between the finite mind of man and Infinite Intelligence. All so-called revelations, referred to in the realm of religion, and all discoveries of basic or new principles in the field of invention, take place through the faculty of creative imagination. When ideas or concepts flash into one’s mind, through what is popularly called a “hunch,” they come from one or more of the following sources: 1. Infinite Intelligence 2. One’s subconscious mind, wherein is stored every sense impression and thought impulse which ever reached the brain through any of the five senses 3. From the mind of some other person who has just released the thought, or picture of the idea or concept, through conscious thought, or 4. From the other person’s subconscious storehouse. There are no other KNOWN sources from which “inspired” ideas or “hunches” may be received. The creative imagination functions best when the mind is vibrating (due to some form of mind stimulation) at an exceedingly high rate. That is, when the mind is functioning at a rate of vibration higher than that of ordinary, normal thought. When brain action has been stimulated, through one or more of the ten mind stimulants, it has the effect of lifting the individual far above the horizon of ordinary thought, and permits him to envision distance, scope, and quality of THOUGHTS not available on the lower plane, such as that occupied while one is engaged in the solution of the problems of business and professional routine. When lifted to this higher level of thought, through any form of mind stimulation, an individual occupies, relatively, the same position as one who has ascended in an airplane to a height from which he may see over and beyond the horizon line which limits his vision, while on the ground. Moreover, while on this higher level of thought, the individual is not hampered or bound by any of the stimuli which circumscribe and limit his vision while wrestling with the problems of gaining the three basic necessities of food, clothing, and shelter. He is in a world of thought in which the ORDINARY, work-a-day thoughts have been as effectively removed as are the hills and valleys and other limitations of physical vision, when he rises in an airplane. While on this exalted plane of THOUGHT, the creative faculty of the mind is given freedom for action. The way has been cleared for the sixth sense to function, it becomes receptive to ideas which could not reach the individual under any other circumstances. The “sixth sense” is the faculty which marks the difference between a genius and an ordinary individual. The creative faculty becomes more alert and receptive to vibrations, originating outside the individual’s subconscious mind, the more this faculty is used, and the more the individual relies upon it, and makes demands upon it for thought impulses. This faculty can be cultivated and developed only through use. That which is known as one’s “conscience” operates entirely through the faculty of the sixth sense. The great artists, writers, musicians, and poets become great, because they acquire the habit of relying upon the “still small voice” which speaks from within, through the faculty of creative imagination. It is a fact well known to people who have “keen” imaginations that their best ideas come through so-called “hunches.” There is a great orator who does not attain to greatness, until he closes his eyes and begins to rely entirely upon the faculty of Creative Imagination. When asked why he closed his eyes just before the climaxes of his oratory, he replied, “I do it, because, then I speak through ideas which come to me from within.” One of America’s most successful and best known financiers followed the habit of closing his eyes for two or three minutes before making a decision. When asked why he did this, he replied, “With my eyes closed, I am able to draw upon a source of superior intelligence.” The late Dr. Elmer R. Gates, of Chevy Chase, Maryland, created more than 200 useful patents, many of them basic, through the process of cultivating and using the creative faculty. His method is both significant and interesting to one interested in attaining to the status of genius, in which category Dr. Gates, unquestionably belonged. Dr. Gates was one of the really great, though less publicized scientists of the world. In his laboratory, he had what he called his “personal communication room.” It was practically sound proof, and so arranged that all light could be shut out. It was equipped with a small table, on which he kept a pad of writing paper. In front of the table, on the wall, was an electric pushbutton, which controlled the lights. When Dr. Gates desired to draw upon the forces available to him through his Creative Imagination, he would go into this room, seat himself at the table, shut off the lights, and CONCENTRATE upon the KNOWN factors of the invention on which he was working, remaining in that position until ideas began to “flash” into his mind in connection with the UNKNOWN factors of the invention. On one occasion, ideas came through so fast that he was forced to write for almost three hours. When the thoughts stopped flowing, and he examined his notes, he found they contained a minute description of principles which had not a parallel among the known data of the scientific world. Moreover, the answer to his problem was intelligently presented in those notes. In this manner Dr. Gates completed over 200 patents, which had been begun, but not completed, by “half-baked” brains. Evidence of the truth of this statement is in the United States Patent Office. Dr. Gates earned his living by “sitting for ideas” for individuals and corporations. Some of the largest corporations in America paid him substantial fees, by the hour, for “sitting for ideas.” The reasoning faculty is often faulty, because it is largely guided by one’s accumulated experience. Not all knowledge, which one accumulates through “experience,” is accurate. Ideas received through the creative faculty are much more reliable, for the reason that they come from sources more reliable than any which are available to the reasoning faculty of the mind. The major difference between the genius and the ordinary “crank” inventor, may be found in the fact that the genius works through his faculty of creative imagination, while the “crank” knows nothing of this faculty. The scientific inventor (such as Mr. Edison, and Dr. Gates), makes use of both the synthetic and the creative faculties of imagination. For example, the scientific inventor, or “genius,” begins an invention by organizing and combining the known ideas, or principles accumulated through experience, through the synthetic faculty (the reasoning faculty). If he finds this accumulated knowledge to be insufficient for the completion of his invention, he then draws upon the sources of knowledge available to him through his creative faculty. The method by which he does this varies with the individual, but this is the sum and substance of his procedure: 1. HE STIMULATES HIS MIND SO THAT IT VIBRATES ON A HIGHER-THAN-AVERAGE PLANE, using one or more of the ten mind stimulants or some other stimulant of his choice. 2. HE CONCENTRATES upon the known factors (the finished part) of his invention, and creates in his mind a perfect picture of unknown factors (the unfinished part), of his invention. He holds this picture in mind until it has been taken over by the subconscious mind, then relaxes by clearing his mind of ALL thought, and waits for his answer to “flash” into his mind. Sometimes the results are both definite and immediate. At other times, the results are negative, depending upon the state of development of the “sixth sense,” or creative faculty. Mr. Edison tried out more than 10,000 different combinations of ideas through the synthetic faculty of his imagination before he “tuned in” through the creative faculty, and got the answer which perfected the incandescent light. His experience was similar when he produced the talking machine. There is plenty of reliable evidence that the faculty of creative imagination exists. This evidence is available through accurate analysis of men who have become leaders in their respective callings, without having had extensive educations. Lincoln was a notable example of a great leader who achieved greatness, through the discovery, and use of his faculty of creative imagination. He discovered, and began to use this faculty as the result of the stimulation of love which he experienced after he met Anne Rutledge, a statement of the highest significance, in connection with the study of the source of genius. The pages of history are filled with the records of great leaders whose achievements may be traced directly to the influence of women who aroused the creative faculties of their minds, through the stimulation of sex desire. Napoleon Bonaparte was one of these. When inspired by his first wife, Josephine, he was irresistible and invincible. When his “better judgment” or reasoning faculty prompted him to put Josephine aside, he began to decline. His defeat and St. Helena were not far distant. If good taste would permit, we might easily mention scores of men, well known to the American people, who climbed to great heights of achievement under the stimulating influence of their wives, only to drop back to destruction AFTER money and power went to their heads, and they put aside the old wife for a new one. Napoleon was not the only man to discover that sex influence, from the right source, is more powerful than any substitute of expediency, which may be created by mere reason. The human mind responds to stimulation! Among the greatest, and most powerful of these stimuli is the urge of sex. When harnessed and transmuted, this driving force is capable of lifting men into that higher sphere of thought which enables them to master the sources of worry and petty annoyance which beset their pathway on the lower plane. Unfortunately, only the genii have made the discovery. Others have accepted the experience of sex urge, without discovering one of its major potentialities—a fact which accounts for the great number of “others” as compared to the limited number of genii. For the purpose of refreshing the memory, in connection with the facts available from the biographies of certain men, we here present the names of a few men of outstanding achievement, each of whom was known to have been of a highly sexed nature. The genius which was their’s, undoubtedly found its source of power in transmuted sex energy: George Washington Napoleon Bonaparte William Shakespeare Abraham Lincoln Ralph Waldo Emerson Robert Burns Andrew Jackson Thomas Jefferson Elbert Hubbard Elbert H. Gary Oscar Wilde Woodrow Wilson John H. Patterson Enrico Caruso Your own knowledge of biography will enable you to add to this list. Find, if you can, a single man, in all history of civilization, who achieved outstanding success in any calling, who was not driven by a well developed sex nature. If you do not wish to rely upon biographies of men not now living, take inventory of those whom you know to be men of great achievement, and see if you can find one among them who is not highly sexed. Sex energy is the creative energy of all genii. There never has been, and never will be a great leader, builder, or artist lacking in this driving force of sex. Surely no one will misunderstand these statements to mean that ALL who are highly sexed are genii! Man attains to the status of a genius ONLY when, and IF, he stimulates his mind so that it draws upon the forces available, through the creative faculty of the imagination. Chief among the stimuli with which this “stepping up” of the vibrations may be produced is sex energy. The mere possession of this energy is not sufficient to produce a genius. The energy must be transmuted from desire for physical contact, into some other form of desire and action, before it will lift one to the status of a genius. Far from becoming genii, because of great sex desires, the majority of men lower themselves, through misunderstanding and misuse of this great force, to the status of the lower animals. WHY MEN SELDOM SUCCEED BEFORE FORTY I discovered, from the analysis of over 25,000 people, that men who succeed in an outstanding way, seldom do so before the age of forty, and more often they do not strike their real pace until they are well beyond the age of fifty. This fact was so astounding that it prompted me to go into the study of its cause most carefully, carrying the investigation over a period of more than twelve years. This study disclosed the fact that the major reason why the majority of men who succeed do not begin to do so before the age of forty to fifty, is their tendency to DISSIPATE their energies through over indulgence in physical expression of the emotion of sex. The majority of men never learn that the urge of sex has other possibilities, which far transcend in importance, that of mere physical expression. The majority of those who make this discovery, do so after having wasted many years at a period when the sex energy is at its height, prior to the age of forty-five to fifty. This usually is followed by noteworthy achievement. The lives of many men up to, and sometimes well past the age of forty, reflect a continued dissipation of energies, which could have been more profitably turned into better channels. Their finer and more powerful emotions are sown wildly to the four winds. Out of this habit of the male, grew the term, “sowing his wild oats.” The desire for sexual expression is by far the strongest and most impelling of all the human emotions, and for this very reason this desire, when harnessed and transmuted into action, other than that of physical expression, may raise one to the status of a genius. One of America’s most able business men frankly admitted that his attractive secretary was responsible for most of the plans he created. He admitted that her presence lifted him to heights of creative imagination, such as he could experience under no other stimulus. One of the most successful men in America owes most of his success to the influence of a very charming young woman, who has served as his source of inspiration for more than twelve years. Everyone knows the man to whom this reference is made, but not everyone knows the REAL SOURCE of his achievements. History is not lacking in examples of men who attained to the status of genii, as the result of the use of artificial mind stimulants in the form of alcohol and narcotics. Edgar Allen Poe wrote the “Raven” while under the influence of liquor, “dreaming dreams that mortal never dared to dream before.” James Whitcomb Riley did his best writing while under the influence of alcohol. Perhaps it was thus he saw “the ordered intermingling of the real and the dream, the mill above the river, and the mist above the stream.” Robert Burns wrote best when intoxicated, “For Auld Lang Syne, my dear, we’ll take a cup of kindness yet, for Auld Lang Syne.” But let it be remembered that many such men have destroyed themselves in the end. Nature has prepared her own potions with which men may safely stimulate their minds so they vibrate on a plane that enables them to tune in to fine and rare thoughts which come from—no man knows where! No satisfactory substitute for Nature’s stimulants has ever been found. It is a fact well known to psychologists that there is a very close relationship between sex desires and spiritual urges—a fact which accounts for the peculiar behavior of people who participate in the orgies known as religious “revivals,” common among the primitive types. The world is ruled, and the destiny of civilization is established, by the human emotions. People are influenced in their actions, not by reason so much as by “feelings.” The creative faculty of the mind is set into action entirely by emotions, and not by cold reason. The most powerful of all human emotions is that of sex. There are other mind stimulants, some of which have been listed, but no one of them, nor all of them combined, can equal the driving power of sex. The world is ruled, and the destiny of civilization is established, by the human emotions. A mind stimulant is any influence which will either temporarily, or permanently, increase the vibrations of thought. The ten major stimulants, described, are those most commonly resorted to. Through these sources one may commune with Infinite Intelligence, or enter, at will, the storehouse of the subconscious mind, either one’s own, or that of another person, a procedure which is all there is of genius. A teacher, who has trained and directed the efforts of more than 30,000 sales people, made the astounding discovery that highly sexed men are the most efficient salesmen. The explanation is, that the factor of personality known as “personal magnetism” is nothing more nor less than sex energy. Highly sexed people always have a plentiful supply of magnetism. Through cultivation and understanding, this vital force may be drawn upon and used to great advantage in the relationships between people. This energy may be communicated to others through the following media: 1. The hand-shake. The touch of the hand indicates, instantly, the presence of magnetism, or the lack of it. 2. The tone of voice. Magnetism, or sex energy, is the factor with which the voice may be colored, or made musical and charming. 3. Posture and carriage of the body. Highly sexed people move briskly, and with grace and ease. 4. The vibrations of thought. Highly sexed people mix the emotion of sex with their thoughts, or may do so at will, and in that way, may influence those around them. 5. Body adornment. People who are highly sexed are usually very careful about their personal appearance. They usually select clothing of a style becoming to their personality, physique, complexion, etc. When employing salesmen, the more capable sales manager looks for the quality of personal magnetism as the first requirement of a salesman. People who lack sex energy will never become enthusiastic nor inspire others with enthusiasm, and enthusiasm is one of the most important requisites in salesmanship, no matter what one is selling. The public speaker, orator, preacher, lawyer, or salesman who is lacking in sex energy is a “flop,” as far as being able to influence others is concerned. Couple with this the fact, that most people can be influenced only through an appeal to their emotions, and you will understand the importance of sex energy as a part of the salesman’s native ability. Master salesmen attain the status of mastery in selling, because they, either consciously, or unconsciously, transmute the energy of sex into SALES ENTHUSIASM! In this statement may be found a very practical suggestion as to the actual meaning of sex transmutation. The salesman who knows how to take his mind off the subject of sex, and direct it in sales effort with as much enthusiasm and determination as he would apply to its original purpose, has acquired the art of sex transmutation, whether he knows it or not. The majority of salesmen who transmute their sex energy do so without being in the least aware of what they are doing, or how they are doing it. Transmutation of sex energy calls for more will power than the average person cares to use for this purpose. Those who find it difficult to summon will-power sufficient for transmutation, may gradually acquire this ability. Though this requires will-power, the reward for the practice is more than worth the effort. The entire subject of sex is one with which the majority of people appear to be unpardonably ignorant. The urge of sex has been grossly misunderstood, slandered, and burlesqued by the ignorant and the evil minded, for so long that the very word sex is seldom used in polite society. Men and women who are known to be blessed—yes, BLESSED—with highly sexed natures, are usually looked upon as being people who will bear watching. Instead of being called blessed, they are usually called cursed. Millions of people, even in this age of enlightenment, have inferiority complexes which they developed because of this false belief that a highly sexed nature is a curse. These statements, of the virtue of sex energy, should not be construed as justification for the libertine. The emotion of sex is a virtue ONLY when used intelligently, and with discrimination. It may be misused, and often is, to such an extent that it debases, instead of enriches, both body and mind. The better use of this power is the burden of this chapter. It seemed quite significant to the author, when he made the discovery that practically every great leader, whom he had the privilege of analyzing, was a man whose achievements were largely inspired by a woman. In many instances, the “woman in the case” was a modest, self-denying wife, of whom the public had heard but little or nothing. In a few instances, the source of inspiration has been traced to the “other woman.” Perhaps such cases may not be entirely unknown to you. Intemperance in sex habits is just as detrimental as intemperance in habits of drinking and eating. In this age in which we live, an age which began with the world war, intemperance in habits of sex is common. This orgy of indulgence may account for the shortage of great leaders. No man can avail himself of the forces of his creative imagination, while dissipating them. Man is the only creature on earth which violates Nature’s purpose in this connection. Every other animal indulges its sex nature in moderation, and with purpose which harmonizes with the laws of nature. Every other animal responds to the call of sex only in “season.” Man’s inclination is to declare “open season.” Every intelligent person knows that stimulation in excess, through alcoholic drink and narcotics, is a form of intemperance which destroys the vital organs of the body, including the brain. Not every person knows, however, that over indulgence in sex expression may become a habit as destructive and as detrimental to creative effort as narcotics or liquor. A sex-mad man is not essentially different than a dope-mad man! Both have lost control over their faculties of reason and will-power. Sexual overindulgence may not only destroy reason and willpower, but it may also lead to either temporary, or permanent insanity. Many cases of hypochondria (imaginary illness) grow out of habits developed in ignorance of the true function of sex. From these brief references to the subject, it may be readily seen that ignorance on the subject of sex transmutation, forces stupendous penalties upon the ignorant on the one hand, and withholds from them equally stupendous benefits, on the other. Widespread ignorance on the subject of sex is due to the fact that the subject has been surrounded with mystery and beclouded by dark silence. The conspiracy of mystery and silence has had the same effect upon the minds of young people that the psychology of prohibition had. The result has been increased curiosity, and desire to acquire more knowledge on this “verboten” subject; and to the shame of all lawmakers, and most physicians —by training best qualified to educate youth on that subject—information has not been easily available. Seldom does an individual enter upon highly creative effort in any field of endeavor before the age of forty. The average man reaches the period of his greatest capacity to create between forty and sixty. These statements are based upon analysis of thousands of men and women who have been carefully observed. They should be encouraging to those who fail to arrive before the age of forty, and to those who become frightened at the approach of “old age,” around the forty-year mark. The years between forty and fifty are, as a rule, the most fruitful. Man should approach this age, not with fear and trembling, but with hope and eager anticipation. If you want evidence that most men do not begin to do their best work before the age of forty, study the records of the most successful men known to the American people, and you will find it. Henry Ford had not “hit his pace” of achievement until he had passed the age of forty. Andrew Carnegie was well past forty before he began to reap the reward of his efforts. James J. Hill was still running a telegraph key at the age of forty. His stupendous achievements took place after that age. Biographies of American industrialists and financiers are filled with evidence that the period from forty to sixty is the most productive age of man. Between the ages of thirty and forty, man begins to learn (if he ever learns), the art of sex transmutation. This discovery is generally accidental, and more often than otherwise, the man who makes it is totally unconscious of his discovery. He may observe that his powers of achievement have increased around the age of thirty-five to forty, but in most cases, he is not familiar with the cause of this change; that Nature begins to harmonize the emotions of love and sex in the individual, between the ages of thirty and forty, so that he may draw upon these great forces, and apply them jointly as stimuli to action. Sex, alone, is a mighty urge to action, but its forces are like a cyclone— they are often uncontrollable. When the emotion of love begins to mix itself with the emotion of sex, the result is calmness of purpose, poise, accuracy of judgment, and balance. What person, who has attained to the age of forty, is so unfortunate as to be unable to analyze these statements, and to corroborate them by his own experience? When driven by his desire to please a woman, based solely upon the emotion of sex, a man may be, and usually is, capable of great achievement, but his actions may be disorganized, distorted, and totally destructive. When driven by his desire to please a woman, based upon the motive of sex alone, a man may steal, cheat, and even commit murder. But when the emotion of LOVE is mixed with the emotion of sex, that same man will guide his actions with more sanity, balance, and reason. Criminologists have discovered that the most hardened criminals can be reformed through the influence of a woman’s love. There is no record of a criminal having been reformed solely through the sex influence. These facts are well known, but their cause is not. Reformation comes, if at all, through the heart, or the emotional side of man, not through his head, or reasoning side. Reformation means, “a change of heart.” It does not mean a “change of head.” A man may, because of reason, make certain changes in his personal conduct to avoid the consequences of undesirable effects, but GENUINE REFORMATION comes only through a change of heart—through a DESIRE to change. Love, Romance, and Sex are all emotions capable of driving men to heights of super achievement. Love is the emotion which serves as a safety valve, and insures balance, poise, and constructive effort. When combined, these three emotions may lift one to an altitude of a genius. There are genii, however, who know but little of the emotion of love. Most of them may be found engaged in some form of action which is destructive, or at least, not based upon justice and fairness toward others. If good taste would permit, a dozen genii could be named in the field of industry and finance, who ride ruthlessly over the rights of their fellow men. They seem totally lacking in conscience. The reader can easily supply his own list of such men. The emotions are states of mind. Nature has provided man with a “chemistry of the mind” which operates in a manner similar to the principles of chemistry of matter. It is a well known fact that, through the aid of chemistry of matter, a chemist may create a deadly poison by mixing certain elements, none of which are—in themselves—harmful in the right proportions. The emotions may, likewise, be combined so as to create a deadly poison. The emotions of sex and jealousy, when mixed, may turn a person into an insane beast. The presence of any one or more of the destructive emotions in the human mind, through the chemistry of the mind, sets up a poison which may destroy one’s sense of justice and fairness. In extreme cases, the presence of any combination of these emotions in the mind may destroy one’s reason. The road to genius consists of the development, control, and use of sex, love, and romance. Briefly, the process may be stated as follows: Encourage the presence of these emotions as the dominating thoughts in one’s mind, and discourage the presence of all the destructive emotions. The mind is a creature of habit. It thrives upon the dominating thoughts fed it. Through the faculty of will-power, one may discourage the presence of any emotion, and encourage the presence of any other. Control of the mind, through the power of will, is not difficult. Control comes from persistence, and habit. The secret of control lies in understanding the process of transmutation. When any negative emotion presents itself in one’s mind, it can be transmuted into a positive, or constructive emotion, by the simple procedure of changing one’s thoughts. THERE IS NO OTHER ROAD TO GENIUS THAN THROUGH VOLUNTARY SELF EFFORT! A man may attain to great heights of financial or business achievement, solely by the driving force of sex energy, but history is filled with evidence that he may, and usually does, carry with him certain traits of character which rob him of the ability to either hold, or enjoy his fortune. This is worthy of analysis, thought, and meditation, for it states a truth, the knowledge of which may be helpful to women as well as men. Ignorance of this has cost thousands of people their privilege of HAPPINESS, even though they possessed riches. The emotions of love and sex leave their unmistakable marks upon the features. Moreover, these signs are so visible, that all who wish may read them. The man who is driven by the storm of passion, based upon sex desires alone, plainly advertises that fact to the entire world, by the expression of his eyes, and the lines of his face. The emotion of love, when mixed with the emotion of sex, softens, modifies, and beautifies the facial expression. No character analyst is needed to tell you this—you may observe it for yourself. The emotion of love brings out, and develops, the artistic and the aesthetic nature of man. It leaves its impress upon one’s very soul, even after the fire has been subdued by time and circumstance. Memories of love never pass. They linger, guide, and influence long after the source of stimulation has faded. There is nothing new in this. Every person, who has been moved by GENUINE LOVE, knows that it leaves enduring traces upon the human heart. The effect of love endures, because love is spiritual in nature. The man who cannot be stimulated to great heights of achievement by love, is hopeless—he is dead, though he may seem to live. Even the memories of love are sufficient to lift one to a higher plane of creative effort. The major force of love may spend itself and pass away, like a fire which has burned itself out, but it leaves behind indelible marks as evidence that it passed that way. Its departure often prepares the human heart for a still greater love. Go back into your yesterdays, at times, and bathe your mind in the beautiful memories of past love. It will soften the influence of the present worries and annoyances. It will give you a source of escape from the unpleasant realities of life, and maybe—who knows?—your mind will yield to you, during this temporary retreat into the world of fantasy, ideas, or plans which may change the entire financial or spiritual status of your life. If you believe yourself unfortunate, because you have “loved and lost,” perish the thought. One who has loved truly, can never lose entirely. Love is whimsical and temperamental. Its nature is ephemeral, and transitory. It comes when it pleases, and goes away without warning. Accept and enjoy it while it remains, but spend no time worrying about its departure. Worry will never bring it back. Dismiss, also, the thought that love never comes but once. Love may come and go, times without number, but there are no two love experiences which affect one in just the same way. There may be, and there usually is, one love experience which leaves a deeper imprint on the heart than all the others, but all love experiences are beneficial, except to the person who becomes resentful and cynical when love makes its departure. There should be no disappointment over love, and there would be none if people understood the difference between the emotions of love and sex. The major difference is that love is spiritual, while sex is biological. No experience, which touches the human heart with a spiritual force, can possibly be harmful, except through ignorance, or jealousy. Love is, without question, life’s greatest experience. It brings one into communion with Infinite Intelligence. When mixed with the emotions of romance and sex, it may lead one far up the ladder of creative effort. The emotions of love, sex, and romance, are sides of the eternal triangle of achievement-building genius. Nature creates genii through no other force. Love is an emotion with many sides, shades, and colors. The love which one feels for parents, or children is quite different from that which one feels for one’s sweetheart. The one is mixed with the emotion of sex, while the other is not. The love which one feels in true friendship is not the same as that felt for one’s sweetheart, parents, or children, but it, too, is a form of love. Then, there is the emotion of love for things inanimate, such as the love of Nature’s handiwork. But the most intense and burning of all these various kinds of love, is that experienced in the blending of the emotions of love and sex. Marriages, not blessed with the eternal affinity of love, properly balanced and proportioned, with sex, cannot be happy ones—and seldom endure. Love, alone, will not bring happiness in marriage, nor will sex alone. When these two beautiful emotions are blended, marriage may bring about a state of mind, closest to the spiritual that one may ever know on this earthly plane. When the emotion of romance is added to those of love and sex, the obstructions between the finite mind of man and Infinite Intelligence are removed. Then a genius has been born! What a different story is this, than those usually associated with the emotion of sex. Here is an interpretation of the emotion which lifts it out of the commonplace, and makes of it potter’s clay in the hands of God, from which He fashions all that is beautiful and inspiring. It is an interpretation which would, when properly understood, bring harmony out of the chaos which exists in too many marriages. The disharmonies often expressed in the form of nagging, may usually be traced to lack of knowledge on the subject of sex. Where love, romance and the proper understanding of the emotion and function of sex abide, there is no disharmony between married people. Fortunate is the husband whose wife understands the true relationship between the emotions of love, sex, and romance. When motivated by this holy triumvirate, no form of labor is burdensome, because even the most lowly form of effort takes on the nature of a labor of love. It is a very old saying that “a man’s wife may either make him or break him,” but the reason is not always understood. The “making” and “breaking” is the result of the wife’s understanding, or lack of understanding of the emotions of love, sex, and romance. Despite the fact that men are polygamous, by the very nature of their biological inheritance, it is true that no woman has as great an influence on a man as his wife, unless he is married to a woman totally unsuited to his nature. If a woman permits her husband to lose interest in her, and become more interested in other women, it is usually because of her ignorance, or indifference toward the subjects of sex, love, and romance. This statement presupposes, of course, that genuine love once existed between a man and his wife. The facts are equally applicable to a man who permits his wife’s interest in him to die. Married people often bicker over a multitude of trivialities. If these are analyzed accurately, the real cause of the trouble will often be found to be indifference, or ignorance on these subjects. Man’s greatest motivating force is his desire to please woman! The hunter who excelled during prehistoric days, before the dawn of civilization, did so, because of his desire to appear great in the eyes of woman. Man’s nature has not changed in this respect. The “hunter” of today brings home no skins of wild animals, but he indicates his desire for her favor by supplying fine clothes, motor cars, and wealth. Man has the same desire to please woman that he had before the dawn of civilization. The only thing that has changed, is his method of pleasing. Men who accumulate large fortunes, and attain to great heights of power and fame, do so, mainly, to satisfy their desire to please women. Take women out of their lives, and great wealth would be useless to most men. It is this inherent desire of man to please woman, which gives woman the power to make or break a man. The woman who understands man’s nature and tactfully caters to it, need have no fear of competition from other women. Men may be “giants” with indomitable will-power when dealing with other men, but they are easily managed by the women of their choice. Most men will not admit that they are easily influenced by the women they prefer, because it is in the nature of the male to want to be recognized as the stronger of the species. Moreover, the intelligent woman recognizes this “manly trait” and very wisely makes no issue of it. Some men know that they are being influenced by the women of their choice—their wives, sweethearts, mothers or sisters—but they tactfully refrain from rebelling against the influence because they are intelligent enough to know that NO MAN IS HAPPY OR COMPLETE WITHOUT THE MODIFYING INFLUENCE OF THE RIGHT WOMAN. The man who does not recognize this important truth deprives himself of the power which has done more to help men achieve success than all other forces combined. Chapter Eleven Key Points 1. Sex energy is the creative element behind life. 2. Sexuality is often narrowly understood as physical pleasure or procreation. But the urge of sexual desire is the perpetuating energy of life yearning to express itself in all facets of human endeavor. 3. We use unconsciously use sex energy in many areas of life such as sales enthusiasm. 4. The method of sex transmutation is simple: when you feel the sexual urge you mentally shift your attention to a cherished or critical task. 5. Redirected sex energy adds acumen, inspiration, intelligence, and power to your efforts. 6. The practice of sex transmutation does not require abstinence from ordinary sexual activity. You redirect your sexual impulses at times of your own choosing. 7. Sexual desire is one of the most powerful drives in human nature— it often proves overpowering. Bring your attention to it and use it carefully. Chapter 12 The Subconscious Mind The Connecting Link The Eleventh Step to Riches THE SUBCONSCIOUS MIND consists of a field of consciousness, in which every impulse of thought that reaches the objective mind through any of the five senses, is classified and recorded, and from which thoughts may be recalled or withdrawn as letters may be taken from a filing cabinet. It receives, and files, sense impressions or thoughts, regardless of their nature. You may VOLUNTARILY plant in your subconscious mind any plan, thought, or purpose which you desire to translate into its physical or monetary equivalent. The subconscious acts first on the dominating desires which have been mixed with emotional feeling, such as faith. Consider this in connection with the instructions given in the chapter on DESIRE, for taking the six steps there outlined, and the instructions given in the chapter on the building and execution of plans, and you will understand the importance of the thought conveyed. THE SUBCONSCIOUS MIND WORKS DAY AND NIGHT. Through a method of procedure, unknown to man, the subconscious mind draws upon the forces of Infinite Intelligence for the power with which it voluntarily transmutes one’s desires into their physical equivalent, making use, always of the most practical media by which this end may be accomplished. You cannot entirely control your subconscious mind, but you can voluntarily hand over to it any plan, desire, or purpose which you wish transformed into concrete form. Read, again, instructions for using the subconscious mind, in the chapter on auto-suggestion. There is plenty of evidence to support the belief that the subconscious mind is the connecting link between the finite mind of man and Infinite Intelligence. It is the intermediary through which one may draw upon the forces of Infinite Intelligence at will. It, alone, contains the secret process by which mental impulses are modified and changed into their spiritual equivalent. It, alone, is the medium through which prayer may be transmitted to the source capable of answering prayer. The possibilities of creative effort connected with the subconscious mind are stupendous and imponderable. They inspire one with awe. I never approach the discussion of the subconscious mind without a feeling of littleness and inferiority due, perhaps, to the fact that man’s entire stock of knowledge on this subject is so pitifully limited. The very fact that the subconscious mind is the medium of communication between the thinking mind of man and Infinite Intelligence is, of itself, a thought which almost paralyzes one’s reason. After you have accepted, as a reality, the existence of the subconscious mind, and understand its possibilities, as a medium for transmuting your DESIRES into their physical or monetary equivalent, you will comprehend the full significance of the instructions given in the chapter on DESIRE. You will also understand why you have been repeatedly admonished to MAKE YOUR DESIRES CLEAR, AND TO REDUCE THEM TO WRITING. You will also understand the necessity of PERSISTENCE in carrying out instructions. The thirteen principles are the stimuli with which you acquire the ability to reach, and to influence your subconscious mind. Do not become discouraged, if you cannot do this upon the first attempt. Remember that the subconscious mind may be voluntarily directed only through habit, under the directions given in the chapter on FAITH. You have not yet had time to master faith. Be patient. Be persistent. A good many statements in the chapters on faith and auto-suggestion will be repeated here, for the benefit of YOUR subconscious mind. Remember, your subconscious mind functions voluntarily, whether you make any effort to influence it or not. This, naturally, suggests to you that thoughts of fear and poverty, and all negative thoughts serve as stimuli to your subconscious mind, unless, you master these impulses and give it more desirable food upon which it may feed. Your subconscious mind functions voluntarily, whether you make any effort to influence it or not. The subconscious mind will not remain idle! If you fail to plant DESIRES in your subconscious mind, it will feed upon the thoughts which reach it as the result of your neglect. We have already explained that thought impulses, both negative and positive are reaching the subconscious mind continuously, from the four sources which were mentioned in the chapter on Sex Transmutation. For the present, it is sufficient if you remember that you are living daily, in the midst of all manner of thought impulses which are reaching your subconscious mind, without your knowledge. Some of these impulses are negative, some are positive. You are now engaged in trying to help shut off the flow of negative impulses, and to aid in voluntarily influencing your subconscious mind, through positive impulses of DESIRE. When you achieve this, you will possess the key which unlocks the door to your subconscious mind. Moreover, you will control that door so completely, that no undesirable thought may influence your subconscious mind. Everything which man creates, BEGINS in the form of a thought impulse. Man can create nothing which he does not first conceive in THOUGHT. Through the aid of the imagination, thought impulses may be assembled into plans. The imagination, when under control, may be used for the creation of plans or purposes that lead to success in one’s chosen occupation. Man can create nothing which he does not first conceive in THOUGHT. All thought impulses, intended for transmutation into their physical equivalent, voluntarily planted in the subconscious mind, must pass through the imagination, and be mixed with faith. The “mixing” of faith with a plan, or purpose, intended for submission to the subconscious mind, may be done ONLY through the imagination. From these statements, you will readily observe that voluntary use of the subconscious mind calls for coordination and application of all the principles. Ella Wheeler Wilcox gave evidence of her understanding of the power of the subconscious mind when she wrote: “You never can tell what a thought will do In bringing you hate or love— For thoughts are things, and their airy wings Are swifter than carrier doves. They follow the law of the universe— Each thing creates its kind, And they speed O’er the track to bring you back Whatever went out from your mind.” Mrs. Wilcox understood the truth, that thoughts which go out from one’s mind, also imbed themselves deeply in one’s subconscious mind, where they serve as a magnet, pattern, or blueprint by which the subconscious mind is influenced while translating them into their physical equivalent. Thoughts are truly things, for the reason that every material thing begins in the form of thought-energy. The subconscious mind is more susceptible to influence by impulses of thought mixed with “feeling” or emotion, than by those originating solely in the reasoning portion of the mind. In fact, there is much evidence to support the theory, that ONLY emotionalized thoughts have any ACTION influence upon the subconscious mind. It is a well known fact that emotion or feeling, rules the majority of people. If it is true that the subconscious mind responds more quickly to, and is influenced more readily by thought impulses which are well mixed with emotion, it is essential to become familiar with the more important of the emotions. There are seven major positive emotions, and seven major negative emotions. The negatives voluntarily inject themselves into the thought impulses, which insure passage into the subconscious mind. The positives must be injected, through the principle of auto-suggestion, into the thought impulses which an individual wishes to pass on to his subconscious mind. (Instructions have been given in the chapter on autosuggestion.) The subconscious mind is more susceptible to influence by impulses of thought mixed with “feeling” or emotion, than by those originating solely in the reasoning portion of the mind. These emotions, or feeling impulses, may be likened to yeast in a loaf of bread, because they constitute the ACTION element, which transforms thought impulses from the passive to the active state. Thus may one understand why thought impulses, which have been well mixed with emotion, are acted upon more readily than thought impulses originating in “cold reason.” You are preparing yourself to influence and control the “inner audience” of your subconscious mind, in order to hand over to it the DESIRE for money, which you wish transmuted into its monetary equivalent. It is essential, therefore, that you understand the method of approach to this “inner audience.” You must speak its language, or it will not heed your call. It understands best the language of emotion or feeling. Let us, therefore describe here the seven major positive emotions, and the seven major negative emotions, so that you may draw upon the positives, and avoid the negatives, when giving instructions to your subconscious mind. The Seven Major Positive Emotions The emotion of DESIRE The emotion of FAITH The emotion of LOVE The emotion of SEX The emotion of ENTHUSIASM The emotion of ROMANCE The emotion of HOPE There are other positive emotions, but these are the seven most powerful, and the ones most commonly used in creative effort. Master these seven emotions (they can be mastered only by USE), and the other positive emotions will be at your command when you need them. Remember, in this connection, that you are studying a book which is intended to help you develop a “money consciousness” by filling your mind with positive emotions. One does not become money conscious by filling one’s mind with negative emotions. The Seven Major Negative Emotions (To be avoided) The emotion of FEAR The emotion of JEALOUSY The emotion of HATRED The emotion of REVENGE The emotion of GREED The emotion of SUPERSTITION The emotion of ANGER Positive and negative emotions cannot occupy the mind at the same time. One or the other must dominate. It is your responsibility to make sure that positive emotions constitute the dominating influence of your mind. Here the law of HABIT will come to your aid. Form the habit of applying and using the positive emotions! Eventually, they will dominate your mind so completely, that the negatives cannot enter it. Only by following these instructions literally, and continuously, can you gain control over your subconscious mind. The presence of a single negative in your conscious mind is sufficient to destroy all chances of constructive aid from your subconscious mind. If you are an observing person, you must have noticed that most people resort to prayer ONLY after everything else has FAILED! Or else they pray by a ritual of meaningless words. And, because it is a fact that most people who pray, do so ONLY AFTER EVERYTHING ELSE HAS FAILED, they go to prayer with their minds filled with FEAR and DOUBT, which are the emotions the subconscious mind acts upon, and passes on to Infinite Intelligence. Likewise, that is the emotion which Infinite Intelligence receives, and ACTS UPON. If you pray for a thing, but have fear as you pray, that you may not receive it, or that your prayer will not be acted upon by Infinite Intelligence, your prayer will have been in vain. Prayer does, sometimes, result in the realization of that for which one prays. If you have ever had the experience of receiving that for which you prayed, go back in your memory, and recall your actual STATE OF MIND, while you were praying, and you will know, for sure, that the theory here described is more than a theory. The time will come when the schools and educational institutions of the country will teach the “science of prayer.” Moreover, then prayer may be, and will be reduced to a science. When that time comes, (it will come as soon as mankind is ready for it, and demands it), no one will approach the Universal Mind in a state of fear, for the very good reason that there will be no such emotion as fear. Ignorance, superstition, and false teaching will have disappeared, and man will have attained his true status as a child of Infinite Intelligence. A few have already attained this blessing. If you believe this prophesy is far-fetched, take a look at the human race in retrospect. Less than a hundred years ago, men believed the lightning to be evidence of the wrath of God, and feared it. Now, thanks to the power of FAITH, men have harnessed the lightning and made it turn the wheels of industry. Much less than a hundred years ago, men believed the space between the planets to be nothing but a great void, a stretch of dead nothingness. Now, thanks to this same power of FAITH, men know that far from being either dead or a void, the space between the planets is very much alive, that it is the highest form of vibration known, excepting, perhaps, the vibration of THOUGHT. Moreover, men know that this living, pulsating, vibratory energy which permeates every atom of matter, and fills every niche of space, connects every human brain with every other human brain. What reason have men to believe that this same energy does not connect every human brain with Infinite Intelligence? There are no toll-gates between the finite mind of man and Infinite Intelligence. The communication costs nothing except Patience, Faith, Persistence, Understanding, and a SINCERE DESIRE to communicate. Moreover, the approach can be made only by the individual himself. Paid prayers are worthless. Infinite Intelligence does no business by proxy. You either go direct, or you do not communicate. You may buy prayer books and repeat them until the day of your doom, without avail. Thoughts which you wish to communicate to Infinite Intelligence, must undergo transformation, such as can be given only through your own subconscious mind. The method by which you may communicate with Infinite Intelligence is very similar to that through which the vibration of sound is communicated by radio. If you understand the working principle of radio, you of course, know that sound cannot be communicated through the ether until it has been “stepped up,” or changed into a rate of vibration which the human ear cannot detect. The radio sending station picks up the sound of the human voice, and “scrambles,” or modifies it by stepping up the vibration millions of times. Only in this way, can the vibration of sound be communicated through the ether. After this transformation has taken place, the ether “picks up” the energy (which originally was in the form of vibrations of sound), carries that energy to radio receiving stations, and these receiving sets “step” that energy back down to its original rate of vibration so it is recognized as sound. The subconscious mind is the intermediary, which translates one’s prayers into terms which Infinite Intelligence can recognize, presents the message, and brings back the answer in the form of a definite plan or idea for procuring the object of the prayer. Understand this principle, and you will know why mere words read from a prayer book cannot, and will never serve as an agency of communication between the mind of man and Infinite Intelligence. Before your prayer will reach Infinite Intelligence (a statement of the author’s theory only), it probably is transformed from its original thought vibration into terms of spiritual vibration. Faith is the only known agency which will give your thoughts a spiritual nature. FAITH and FEAR make poor bedfellows. Where one is found, the other cannot exist. Chapter Twelve Key Points 1. Your subconscious mind mediates between desire and Infinite Intelligence. 2. Your subconscious is the hidden engine behind life and experience. 3. Through autosuggestion you can positively influence your subconscious. 4. All action germinates in the subconscious, which is a compact of thought and emotion. 5. Only emotionalized thoughts have an impact on self and subconscious. 6. Fear is a powerful negative influence on the subconscious. Study the methods in this book that help you temper and overcome it. Chapter 13 The Brain A Broadcasting and Receiving Station for Thought The Twelfth Step to Riches More than twenty years ago, the author, working in conjunction with the late Dr. Alexander Graham Bell, and Dr. Elmer R. Gates, observed that every human brain is both a broadcasting and receiving station for the vibration of thought. Through the medium of the ether, in a fashion similar to that employed by the radio broadcasting principle, every human brain is capable of picking up vibrations of thought which are being released by other brains. In connection with the statement in the preceding paragraph, compare, and consider the description of the Creative Imagination, as outlined in the chapter on Imagination. The Creative Imagination is the “receiving set” of the brain, which receives thoughts, released by the brains of others. It is the agency of communication between one’s conscious, or reasoning mind, and the four sources from which one may receive thought stimuli. When stimulated, or “stepped up” to a high rate of vibration, the mind becomes more receptive to the vibration of thought which reaches it through the ether from outside sources. This “stepping up” process takes place through the positive emotions, or the negative emotions. Through the emotions, the vibrations of thought may be increased. Vibrations of an exceedingly high rate are the only vibrations picked up and carried, by the ether, from one brain to another. Thought is energy travelling at an exceedingly high rate of vibration. Thought, which has been modified or “stepped up” by any of the major emotions, vibrates at a much higher rate than ordinary thought, and it is this type of thought which passes from one brain to another, through the broadcasting machinery of the human brain. The emotion of sex stands at the head of the list of human emotions, as far as intensity and driving force are concerned. The brain which has been stimulated by the emotion of sex, vibrates at a much more rapid rate than it does when that emotion is quiescent or absent. The result of sex transmutation, is the increase of the rate of vibration of thoughts to such a pitch that the Creative Imagination becomes highly receptive to ideas, which it picks up from the ether. On the other hand, when the brain is vibrating at a rapid rate, it not only attracts thoughts and ideas released by other brains through the medium of the ether, but it gives to one’s own thoughts that “feeling” which is essential before those thoughts will be picked up and acted upon by one’s subconscious mind. Thus, you will see that the broadcasting principle is the factor through which you mix feeling, or emotion with your thoughts and pass them on to your subconscious mind. The subconscious mind is the “sending station” of the brain, through which vibrations of thought are broadcast. The Creative Imagination is the “receiving set,” through which the vibrations of thought are picked up from the ether. Along with the important factors of the subconscious mind, and the faculty of the Creative Imagination, which constitute the sending and receiving sets of your mental broadcasting machinery, consider now the principle of auto-suggestion, which is the medium by which you may put into operation your “broadcasting” station. Through the instructions described in the chapter on auto-suggestion, you were definitely informed of the method by which DESIRE may be transmuted into its monetary equivalent. Operation of your mental “broadcasting” station is a comparatively simple procedure. You have but three principles to bear in mind, and to apply, when you wish to use your broadcasting station—the SUBCONSCIOUS MIND, CREATIVE IMAGINATION, and AUTOSUGGESTION. The stimuli through which you put these three principles into action have been described—the procedure begins with DESIRE. THE GREATEST FORCES ARE “INTANGIBLE” The depression brought the world to the very borderline of understanding of the forces which are intangible and unseen. Through the ages which have passed, man has depended too much upon his physical senses, and has limited his knowledge to physical things, which he could see, touch, weigh, and measure. We are now entering the most marvelous of all ages—an age which will teach us something of the intangible forces of the world about us. Perhaps we shall learn, as we pass through this age, that the “other self” is more powerful than the physical self we see when we look into a mirror. Sometimes men speak lightly of the intangibles—the things which they cannot perceive through any of their five senses, and when we hear them, it should remind us that all of us are controlled by forces which are unseen and intangible. The whole of mankind has not the power to cope with, nor to control the intangible force wrapped up in the rolling waves of the oceans. Man has not the capacity to understand the intangible force of gravity, which keeps this little earth suspended in mid-air, and keeps man from falling from it, much less the power to control that force. Man is entirely subservient to the intangible force which comes with a thunder storm, and he is just as helpless in the presence of the intangible force of electricity—nay, he does not even know what electricity is, where it comes from, or what is its purpose! Nor is this by any means the end of man’s ignorance in connection with things unseen and intangible. He does not understand the intangible force (and intelligence) wrapped up in the soil of the earth—the force which provides him with every morsel of food he eats, every article of clothing he wears, every dollar he carries in his pockets. THE DRAMATIC STORY OF THE BRAIN Last, but not least, man, with all of his boasted culture and education, understands little or nothing of the intangible force (the greatest of all the intangibles) of thought. He knows but little concerning the physical brain, and its vast network of intricate machinery through which the power of thought is translated into its material equivalent, but he is now entering an age which shall yield enlightenment on the subject. Already men of science have begun to turn their attention to the study of this stupendous thing called a brain, and, while they are still in the kindergarten stage of their studies, they have uncovered enough knowledge to know that the central switchboard of the human brain, the number of lines which connect the brain cells one with another, equal the figure one, followed by fifteen million ciphers. “The figure is so stupendous,” said Dr. C. Judson Herrick, of the University of Chicago, “that astronomical figures dealing with hundreds of millions of light years, become insignificant by comparison.… It has been determined that there are from 10,000,000,000 to 14,000,000,000 nerve cells in the human cerebral cortex, and we know that these are arranged in definite patterns. These arrangements are not haphazard. They are orderly. Recently developed methods of electro-physiology draw off action currents from very precisely located cells, or fibers with micro-electrodes, amplify them with radio tubes, and record potential differences to a millionth of a volt.” It is inconceivable that such a network of intricate machinery should be in existence for the sole purpose of carrying on the physical functions incidental to growth and maintenance of the physical body. Is it not likely that the same system, which gives billions of brain cells the media for communication one with another, provides, also the means of communication with other intangible forces? After this book had been written, just before the manuscript went to the publisher, there appeared in the New York Times, an editorial showing that at least one great University, and one intelligent investigator in the field of mental phenomena, are carrying on an organized research through which conclusions have been reached that parallel many of those described in this and the following chapter. The editorial briefly analyzed the work carried on by Dr. Rhine, and his associates at Duke University, viz: “WHAT IS ‘TELEPATHY?’ “A month ago we cited on this page some of the remarkable results achieved by Professor Rhine and his associates in Duke University from more than a hundred thousand tests to determine the existence of ‘telepathy’ and ‘clairvoyance.’ These results were summarized in the first two articles in Harpers Magazine. In the second which has now appeared, the author, E. H. Wright, attempts to summarize what has been learned, or what it seems reasonable to infer, regarding the exact nature of these ‘extrasensory’ modes of perception. “The actual existence of telepathy and clairvoyance now seems to some scientists enormously probable as the result of Rhine’s experiments. Various percipients were asked to name as many cards in a special pack as they could without looking at them and without other sensory access to them. About a score of men and women were discovered who could regularly name so many of the cards correctly that ‘there was not one chance in many a million of their having done their feats by luck or accident.’ “But how did they do them? These powers, assuming that they exist, do not seem to be sensory. There is no known organ for them. The experiments worked just as well at distances of several hundred miles as they did in the same room. These facts also dispose, in Mr. Wright’s opinion, of the attempt to explain telepathy or clairvoyance through any physical theory of radiation. All known forms of radiant energy decline inversely as the square of the distance traversed. Telepathy and clairvoyance do not. But they do vary through physical causes as our other mental powers do. Contrary to widespread opinion, they do not improve when the percipient is asleep or half-asleep, but, on the contrary, when he is most wide-awake and alert. Rhine discovered that a narcotic will invariably lower a percipient’s score, while a stimulant will always send it higher. The most reliable performer apparently cannot make a good score unless he tries to do his best. “One conclusion that Wright draws with some confidence is that telepathy and clairvoyance are really one and the same gift. That is, the faculty that ‘sees’ a card face down on a table seems to be exactly the same one that ‘reads’ a thought residing only in another mind. There are several grounds for believing this. So far, for example, the two gifts have been found in every person who enjoys either of them. In every one so far the two have been of equal vigor, almost exactly. Screens, walls, distances, have no effect at all on either. Wright advances from this conclusion to express what he puts forward as no more than the mere ‘hunch’ that other extra-sensory experiences, prophetic dreams, premonitions of disaster, and the like, may also prove to be part of the same faculty. The reader is not asked to accept any of these conclusions unless he finds it necessary, but the evidence that Rhine has piled up must remain impressive.” In view of Dr. Rhine’s announcement in connection with the conditions under which the mind responds to what he terms “extra-sensory” modes of perception, I now feel privileged to add to his testimony by stating that my associates and I have discovered what we believe to be the ideal conditions under which the mind can be stimulated so that the sixth sense described in the next chapter, can be made to function in a practical way. The conditions to which I refer consist of a close working alliance between myself and two members of my staff. Through experimentation and practice, we have discovered how to stimulate our minds (by applying the principle used in connection with the “Invisible Counselors” described in the next chapter) so that we can, by a process of blending our three minds into one, find the solution to a great variety of personal problems which are submitted by my clients. The procedure is very simple. We sit down at a conference table, clearly state the nature of the problem we have under consideration, then begin discussing it. Each contributes whatever thoughts that may occur. The strange thing about this method of mind stimulation is that it places each participant in communication with unknown sources of knowledge definitely outside his own experience. If you understand the principle described in the chapter on the Master Mind, you of course recognize the round-table procedure here described as being a practical application of the Master Mind. This method of mind stimulation, through harmonious discussion of definite subjects, between three people, illustrates the simplest and most practical use of the Master Mind. By adopting and following a similar plan any student of this philosophy may come into possession of the famous Carnegie formula briefly described in the introduction. If it means nothing to you at this time, mark this page and read it again after you have finished the last chapter. Chapter Thirteen Key Points 1. Your brain is a kind of receiving station sensitive to all influences around you. 2. Concepts of ESP, telepathy, and precognition are facts demonstrated by replicable data. They are inconsistent but no less real. 3. Due to your receptivity to extra-physical impressions, you must carefully cultivate environment, relationships, and circumstance. 4. Your brain functions like any other physical organ—it is subject to fatigue, exhaustion, and overuse, just as it performs better under conditions of health, vitality, and adequate rest. 5. Beware of factors that cloud your brain’s functions, such as intoxication, boredom, poor physical habits, and negative emotions. 6. Enthusiasm is a vital factor in effective use of your brain. THE “DEPRESSION” WAS A BLESSING IN DISGUISE. IT REDUCED THE WHOLE WORLD TO A NEW STARTING POINT THAT GIVES EVERY ONE A NEW OPPORTUNITY. Chapter 14 The Sixth Sense The Door To The Temple Of Wisdom The Thirteenth Step to Riches The “thirteenth” principle is known as the SIXTH SENSE, through which Infinite Intelligence may, and will communicate voluntarily, without any effort from, or demands by, the individual. This principle is the apex of the philosophy. It can be assimilated, understood, and applied ONLY by first mastering the other twelve principles. The SIXTH SENSE is that portion of the subconscious mind which has been referred to as the Creative Imagination. It has also been referred to as the “receiving set” through which ideas, plans, and thoughts flash into the mind. The “flashes” are sometimes called “hunches” or “inspirations.” The sixth sense defies description! It cannot be described to a person who has not mastered the other principles of this philosophy, because such a person has no knowledge, and no experience with which the sixth sense may be compared. Understanding of the sixth sense comes only by meditation through mind development from within. The sixth sense probably is the medium of contact between the finite mind of man and Infinite Intelligence, and for this reason, it is a mixture of both the mental and the spiritual. It is believed to be the point at which the mind of man contacts the Universal Mind. After you have mastered the principles described in this book, you will be prepared to accept as truth a statement which may, otherwise, be incredible to you, namely: Through the aid of the sixth sense, you will be warned of impending dangers in time to avoid them, and notified of opportunities in time to embrace them. There comes to your aid, and to do your bidding, with the development of the sixth sense, a “guardian angel” who will open to you at all times the door to the Temple of Wisdom. Whether or not this is a statement of truth, you will never know, except by following the instructions described in the pages of this book, or some similar method of procedure. The author is not a believer in, nor an advocate of “miracles,” for the reason that he has enough knowledge of Nature to understand that Nature never deviates from her established laws. Some of her laws are so incomprehensible that they produce what appear to be “miracles.” The sixth sense comes as near to being a miracle as anything I have ever experienced, and it appears so, only because I do not understand the method by which this principle is operated. This much the author does know—that there is a power, or a First Cause, or an Intelligence, which permeates every atom of matter, and embraces every unit of energy perceptible to man—that this Infinite Intelligence converts acorns into oak trees, causes water to flow down hill in response to the law of gravity, follows night with day, and winter with summer, each maintaining its proper place and relationship to the other. This Intelligence may, through the principles of this philosophy, be induced to aid in transmuting DESIRES into concrete, or material form. The author has this knowledge, because he has experimented with it—and has EXPERIENCED IT. Step by step, through the preceding chapters, you have been led to this, the last principle. If you have mastered each of the preceding principles, you are now prepared to accept, without being skeptical, the stupendous claims made here. If you have not mastered the other principles, you must do so before you may determine, definitely, whether or not the claims made in this chapter are fact or fiction. While I was passing through the age of “hero-worship” I found myself trying to imitate those whom I most admired. Moreover, I discovered that the element of FAITH, with which I endeavored to imitate my idols, gave me great capacity to do so quite successfully. I have never entirely divested myself of this habit of hero-worship, although I have passed the age commonly given over to such. My experience has taught me that the next best thing to being truly great, is to emulate the great, by feeling and action, as nearly as possible. Long before I had ever written a line for publication, or endeavored to deliver a speech in public, I followed the habit of reshaping my own character, by trying to imitate the nine men whose lives and life-works had been most impressive to me. These nine men were, Emerson, Paine, Edison, Darwin, Lincoln, Burbank, Napoleon, Ford, and Carnegie. Every night, over a long period of years, I held an imaginary Council meeting with this group whom I called my “Invisible Counselors.” The procedure was this. Just before going to sleep at night, I would shut my eyes, and see, in my imagination, this group of men seated with me around my Council Table. Here I had not only an opportunity to sit among those whom I considered to be great, but I actually dominated the group, by serving as the Chairman. I had a very DEFINITE PURPOSE in indulging my imagination through these nightly meetings. My purpose was to rebuild my own character so it would represent a composite of the characters of my imaginary counselors. Realizing, as I did, early in life, that I had to overcome the handicap of birth in an environment of ignorance and superstition, I deliberately assigned myself the task of voluntary rebirth through the method here described. BUILDING CHARACTER THROUGH AUTOSUGGESTION Being an earnest student of psychology, I knew, of course, that all men have become what they are, because of their DOMINATING THOUGHTS AND DESIRES. I knew that every deeply seated desire has the effect of causing one to seek outward expression through which that desire may be transmuted into reality. I knew that self-suggestion is a powerful factor in building character, that it is, in fact, the sole principle through which character is builded. All men have become what they are, because of their DOMINATING THOUGHTS AND DESIRES. With this knowledge of the principles of mind operation, I was fairly well armed with the equipment needed in rebuilding my character. In these imaginary Council meetings I called on my Cabinet members for the knowledge I wished each to contribute, addressing myself to each member in audible words, as follows: “Mr. Emerson, I desire to acquire from you the marvelous understanding of Nature which distinguished your life. I ask that you make an impress upon my subconscious mind, of whatever qualities you possessed, which enabled you to understand and adapt yourself to the laws of Nature. I ask that you assist me in reaching and drawing upon whatever sources of knowledge are available to this end. “Mr. Burbank, I request that you pass on to me the knowledge which enabled you to so harmonize the laws of Nature that you caused the cactus to shed its thorns, and become an edible food. Give me access to the knowledge which enabled you to make two blades of grass grow where but one grew before, and helped you to blend the coloring of the flowers with more splendor and harmony, for you, alone, have successfully gilded the lily. “Napoleon, I desire to acquire from you, by emulation, the marvelous ability you possessed to inspire men, and to arouse them to greater and more determined spirit of action. Also to acquire the spirit of enduring FAITH, which enabled you to turn defeat into victory, and to surmount staggering obstacles. Emperor of Fate, King of Chance, Man of Destiny, I salute you! “Mr. Paine, I desire to acquire from you the freedom of thought and the courage and clarity with which to express convictions, which so distinguished you! “Mr. Darwin, I wish to acquire from you the marvelous patience, and ability to study cause and effect, without bias or prejudice, so exemplified by you in the field of natural science. “Mr. Lincoln, I desire to build into my own character the keen sense of justice, the untiring spirit of patience, the sense of humor, the human understanding, and the tolerance, which were your distinguishing characteristics. “Mr. Carnegie, I am already indebted to you for my choice of a lifework, which has brought me great happiness and peace of mind. I wish to acquire a thorough understanding of the principles of organized effort, which you used so effectively in the building of a great industrial enterprise. “Mr. Ford, you have been among the most helpful of the men who have supplied much of the material essential to my work. I wish to acquire your spirit of persistence, the determination, poise, and self-confidence which have enabled you to master poverty, organize, unify, and simplify human effort, so I may help others to follow in your footsteps. “Mr. Edison, I have seated you nearest to me, at my right, because of the personal cooperation you have given me, during my research into the causes of success and failure. I wish to acquire from you the marvelous spirit of FAITH, with which you have uncovered so many of Nature’s secrets, the spirit of unremitting toil with which you have so often wrested victory from defeat.” My method of addressing the members of the imaginary Cabinet would vary, according to the traits of character in which I was, for the moment, most interested in acquiring. I studied the records of their lives with painstaking care. After some months of this nightly procedure, I was astounded by the discovery that these imaginary figures became, apparently real. I was astounded by the discovery that these imaginary figures became, apparently real. Each of these nine men developed individual characteristics, which surprised me. For example, Lincoln developed the habit of always being late, then walking around in solemn parade. When he came, he walked very slowly, with his hands clasped behind him, and once in a while, he would stop as he passed, and rest his hand, momentarily, upon my shoulder. He always wore an expression of seriousness upon his face. Rarely did I see him smile. The cares of a sundered nation made him grave. That was not true of the others. Burbank and Paine often indulged in witty repartee which seemed, at times, to shock the other members of the cabinet. One night Paine suggested that I prepare a lecture on “The Age of Reason,” and deliver it from the pulpit of a church which I formerly attended. Many around the table laughed heartily at the suggestion. Not Napoleon! He drew his mouth down at the corners and groaned so loudly that all turned and looked at him with amazement. To him the church was but a pawn of the State, not to be reformed, but to be used, as a convenient inciter to mass activity by the people. On one occasion Burbank was late. When he came, he was excited with enthusiasm, and explained that he had been late, because of an experiment he was making, through which he hoped to be able to grow apples on any sort of tree. Paine chided him by reminding him that it was an apple which started all the trouble between man and woman. Darwin chuckled heartily as he suggested that Paine should watch out for little serpents, when he went into the forest to gather apples, as they had the habit of growing into big snakes. Emerson observed—“No serpents, no apples,” and Napoleon remarked, “No apples, no state!” Lincoln developed the habit of always being the last one to leave the table after each meeting. On one occasion, he leaned across the end of the table, his arms folded, and remained in that position for many minutes. I made no attempt to disturb him. Finally, he lifted his head slowly, got up and walked to the door, then turned around, came back, and laid his hand on my shoulder and said, “My boy, you will need much courage if you remain steadfast in carrying out your purpose in life. But remember, when difficulties overtake you, the common people have common sense. Adversity will develop it.” One evening Edison arrived ahead of all the others. He walked over and seated himself at my left, where Emerson was accustomed to sit, and said, “You are destined to witness the discovery of the secret of life. When the time comes, you will observe that life consists of great swarms of energy, or entities, each as intelligent as human beings think themselves to be. These units of life group together like hives of bees, and remain together until they disintegrate, through lack of harmony. These units have differences of opinion, the same as human beings, and often fight among themselves. These meetings which you are conducting will be very helpful to you. They will bring to your rescue some of the same units of life which served the members of your Cabinet, during their lives. These units are eternal. THEY NEVER DIE! Your own thoughts and DESIRES serve as the magnet which attracts units of life, from the great ocean of life out there. Only the friendly units are attracted—the ones which harmonize with the nature of your DESIRES.” The other members of the Cabinet began to enter the room. Edison got up, and slowly walked around to his own seat. Edison was still living when this happened. It impressed me so greatly that I went to see him, and told him about the experience. He smiled broadly, and said, “Your dream was more a reality than you may imagine it to have been.” He added no further explanation to his statement. These meetings became so realistic that I became fearful of their consequences, and discontinued them for several months. The experiences were so uncanny, I was afraid if I continued them I would lose sight of the fact that the meetings were purely experiences of my imagination. Some six months after I had discontinued the practice I was awakened one night, or thought I was, when I saw Lincoln standing at my bedside. He said, “The world will soon need your services. It is about to undergo a period of chaos which will cause men and women to lose faith, and become panic stricken. Go ahead with your work and complete your philosophy. That is your mission in life. If you neglect it, for any cause whatsoever, you will be reduced to a primal state, and be compelled to retrace the cycles through which you have passed during thousands of years.” I was unable to tell, the following morning, whether I had dreamed this, or had actually been awake, and I have never since found out which it was, but I do know that the dream, if it were a dream, was so vivid in my mind the next day that I resumed my meetings the following night. At our next meeting, the members of my Cabinet all filed into the room together, and stood at their accustomed places at the Council Table, while Lincoln raised a glass and said, “Gentlemen, let us drink a toast to a friend who has returned to the fold.” After that, I began to add new members to my Cabinet, until now it consists of more than fifty, among them Christ, St. Paul, Galileo, Copernicus, Aristotle, Plato, Socrates, Homer, Voltaire, Bruno, Spinoza, Drummond, Kant, Schopenhauer, Newton, Confucius, Elbert Hubbard, Brann, Ingersoll, Wilson, and William James. This is the first time that I have had the courage to mention this. Heretofore, I have remained quiet on the subject, because I knew, from my own attitude in connection with such matters, that I would be misunderstood if I described my unusual experience. I have been emboldened now to reduce my experience to the printed page, because I am now less concerned about what “they say” than I was in the years that have passed. One of the blessings of maturity is that it sometimes brings one greater courage to be truthful, regardless of what those who do not understand, may think or say. Lest I be misunderstood, I wish here to state most emphatically, that I still regard my Cabinet meetings as being purely imaginary, but I feel entitled to suggest that, while the members of my Cabinet may be purely fictional, and the meetings existent only in my own imagination, they have led me into glorious paths of adventure, rekindled an appreciation of true greatness, encouraged creative endeavor, and emboldened the expression of honest thought. Somewhere in the cell-structure of the brain, is located an organ which receives vibrations of thought ordinarily called “hunches.” So far, science has not discovered where this organ of the sixth sense is located, but this is not important. The fact remains that human beings do receive accurate knowledge, through sources other than the physical senses. Such knowledge, generally, is received when the mind is under the influence of extraordinary stimulation. Any emergency which arouses the emotions, and causes the heart to beat more rapidly than normal may, and generally does, bring the sixth sense into action. Anyone who has experienced a near accident while driving, knows that on such occasions, the sixth sense often comes to one’s rescue, and aids, by split seconds, in avoiding the accident. These facts are mentioned preliminary to a statement of fact which I shall now make, namely, that during my meetings with the “Invisible Counselors” I find my mind most receptive to ideas, thoughts, and knowledge which reach me through the sixth sense. I can truthfully say that I owe entirely to my “Invisible Counselors” full credit for such ideas, facts, or knowledge as I received through “inspiration.” On scores of occasions, when I have faced emergencies, some of them so grave that my life was in jeopardy, I have been miraculously guided past these difficulties through the influence of my “Invisible Counselors.” My original purpose in conducting Council meetings with imaginary beings, was solely that of impressing my own subconscious mind, through the principle of auto-suggestion, with certain characteristics which I desired to acquire. In more recent years, my experimentation has taken on an entirely different trend. I now go to my imaginary counselors with every difficult problem which confronts me and my clients. The results are often astonishing, although I do not depend entirely on this form of Counsel. You, of course, have recognized that this chapter covers a subject with which a majority of people are not familiar. The Sixth Sense is a subject that will be of great interest and benefit to the person whose aim is to accumulate vast wealth, but it need not claim the attention of those whose desires are more modest. Henry Ford, undoubtedly understands and makes practical use of the sixth sense. His vast business and financial operations make it necessary for him to understand and use this principle. The late Thomas A. Edison understood and used the sixth sense in connection with the development of inventions, especially those involving basic patents, in connection with which he had no human experience and no accumulated knowledge to guide him, as was the case while he was working on the talking machine, and the moving picture machine. Nearly all great leaders, such as Napoleon, Bismarck, Joan of Arc, Christ, Buddha, Confucius, and Mohammed, understood, and probably made use of the sixth sense almost continuously. The major portion of their greatness consisted of their knowledge of this principle. The sixth sense is not something that one can take off and put on at will. Ability to use this great power comes slowly, through application of the other principles outlined in this book. Seldom does any individual come into workable knowledge of the sixth sense before the age of forty. More often the knowledge is not available until one is well past fifty, and this, for the reason that the spiritual forces, with which the sixth sense is so closely related, do not mature and become usable except through years of meditation, selfexamination, and serious thought. No matter who you are, or what may have been your purpose in reading this book, you can profit by it without understanding the principle described in this chapter. This is especially true if your major purpose is that of accumulation of money or other material things. The chapter on the sixth sense was included, because the book is designed for the purpose of presenting a complete philosophy by which individuals may unerringly guide themselves in attaining whatever they ask of life. The starting point of all achievement is DESIRE. The finishing point is that brand of KNOWLEDGE which leads to understanding—understanding of self, understanding of others, understanding of the laws of Nature, recognition and understanding of HAPPINESS. This sort of understanding comes in its fullness only through familiarity with, and use of the principle of the sixth sense, hence that principle had to be included as a part of this philosophy, for the benefit of those who demand more than money. Having read the chapter, you must have observed that while reading it, you were lifted to a high level of mental stimulation. Splendid! Come back to this again a month from now, read it once more, and observe that your mind will soar to a still higher level of stimulation. Repeat this experience from time to time, giving no concern as to how much or how little you learn at the time, and eventually you will find yourself in possession of a power that will enable you to throw off discouragement, master fear, overcome procrastination, and draw freely upon your imagination. Then you will have felt the touch of that unknown “something” which has been the moving spirit of every truly great thinker leader, artist, musician, writer, statesman. Then you will be in position to transmute your DESIRES into their physical or financial counterpart as easily as you may lie down and quit at the first sign of opposition. FAITH VS. FEAR! Previous chapters have described how to develop FAITH, through Autosuggestion, Desire and the Subconscious. The next chapter presents detailed instructions for the mastery of FEAR. Here will be found a full description of the six fears which are the cause of all discouragement, timidity, procrastination, indifference, indecision, and the lack of ambition, self-reliance, initiative, self-control, and enthusiasm. Search yourself carefully as you study these six enemies, as they may exist only in your subconscious mind, where their presence will be hard to detect. Remember, too, as you analyze the “Six Ghosts of Fear,” that they are nothing but ghosts because they exist only in one’s mind. Remember, also, that ghosts—creations of uncontrolled imagination— have caused most of the damage people have done to their own minds, therefore, ghosts can be as dangerous as if they lived and walked on the earth in physical bodies. The Ghost of the Fear of Poverty, which seized the minds of millions of people in 1929, was so real that it caused the worst business depression this country has ever known. Moreover, this particular ghost still frightens some of us out of our wits. Chapter Fourteen Key Points 1. Through using all the factors in this book, it is possible to cultivate a sixth sense through which hunches or flashes of insight and intuition reach you. 2. Pay attention to your enthusiasms and forebodings. This may be the sixth sense reaching you. 3. You can trust your intuitions and insights when they grow from long study and effort. These are not fickle or errant ideas but—possibly —the subconscious and sixth sense communicating to you. 4. An imaginary council, as described in this chapter, can augment— but not replace—the Master Mind principle. 5. Look toward and learn from the lives of extraordinary figures; make their stories and biographies part of your regular reading and viewing. Chapter 15 How to Outwit the Six Ghosts of Fear Take Inventory of Yourself, As You Read This Closing Chapter, and Find out How Many of the “Ghosts” Are Standing in Your Way. BEFORE you can put any portion of this philosophy into successful use, your mind must be prepared to receive it. The preparation is not difficult. It begins with study, analysis, and understanding of three enemies which you shall have to clear out. These are INDECISION, DOUBT, and FEAR! The Sixth Sense will never function while these three negatives, or any of them remain in your mind. The members of this unholy trio are closely related; where one is found, the other two are close at hand. INDECISION is the seedling of FEAR! Remember this, as you read. Indecision crystalizes into DOUBT, the two blend and become FEAR! The “blending” process often is slow. This is one reason why these three enemies are so dangerous. They germinate and grow without their presence being observed. The remainder of this chapter describes an end which must be attained before the philosophy, as a whole, can be put into practical use. It also analyzes a condition which has, but lately, reduced huge numbers of people to poverty, and it states a truth which must be understood by all who accumulate riches, whether measured in terms of money or a state of mind of far greater value than money. The purpose of this chapter is to turn the spotlight of attention upon the cause and the cure of the six basic fears. Before we can master an enemy, we must know its name, its habits, and its place of abode. As you read, analyze yourself carefully, and determine which, if any, of the six common fears have attached themselves to you. Do not be deceived by the habits of these subtle enemies. Sometimes they remain hidden in the subconscious mind, where they are difficult to locate, and still more difficult to eliminate. THE SIX BASIC FEARS There are six basic fears, with some combination of which every human suffers at one time or another. Most people are fortunate if they do not suffer from the entire six. Named in the order of their most common appearance, they are: All other fears are of minor importance, they can be grouped under these six headings. The prevalence of these fears, as a curse to the world, runs in cycles. For almost six years, while the depression was on, we floundered in the cycle of FEAR OF POVERTY. During the world-war, we were in the cycle of FEAR OF DEATH. Just following the war, we were in the cycle of FEAR OF ILL HEALTH, as evidenced by the epidemic of disease which spread itself all over the world. Fears are nothing more than states of mind. One’s state of mind is subject to control and direction. Physicians, as everyone knows, are less subject to attack by disease than ordinary laymen, for the reason that physicians DO NOT FEAR DISEASE. Physicians, without fear or hesitation, have been known to physically contact hundreds of people, daily, who were suffering from such contagious diseases as small-pox, without becoming infected. Their immunity against the disease consisted, largely, if not solely, in their absolute lack of FEAR. Man can create nothing which he does not first conceive in the form of an impulse of thought. Following this statement, comes another of still greater importance, namely, MAN’S THOUGHT IMPULSES BEGIN IMMEDIATELY TO TRANSLATE THEMSELVES INTO THEIR PHYSICAL EQUIVALENT, WHETHER THOSE THOUGHTS ARE VOLUNTARY OR INVOLUNTARY. Thought impulses which are picked up through the ether, by mere chance (thoughts which have been released by other minds) may determine one’s financial, business, professional, or social destiny just as surely as do the thought impulses which one creates by intent and design. We are here laying the foundation for the presentation of a fact of great importance to the person who does not understand why some people appear to be “lucky” while others of equal or greater ability, training, experience, and brain capacity, seem destined to ride with misfortune. This fact may be explained by the statement that every human being has the ability to completely control his own mind, and with this control, obviously, every person may open his mind to the tramp thought impulses which are being released by other brains, or close the doors tightly and admit only thought impulses of his own choice. Nature has endowed man with absolute control over but one thing, and that is THOUGHT. This fact, coupled with the additional fact that everything which man creates, begins in the form of a thought, leads one very near to the principle by which FEAR may be mastered. If it is true that ALL THOUGHT HAS A TENDENCY TO CLOTHE ITSELF IN ITS PHYSICAL EQUIVALENT (and this is true, beyond any reasonable room for doubt), it is equally true that thought impulses of fear and poverty cannot be translated into terms of courage and financial gain. ALL THOUGHT HAS A TENDENCY TO CLOTHE ITSELF IN ITS PHYSICAL EQUIVALENT The people of America began to think of poverty, following the Wall Street crash of 1929. Slowly, but surely that mass thought was crystalized into its physical equivalent, which was known as a “depression.” This had to happen, it is in conformity with the laws of Nature. THE FEAR OF POVERTY There can be no compromise between POVERTY and RICHES! The two roads that lead to poverty and riches travel in opposite directions. If you want riches, you must refuse to accept any circumstance that leads toward poverty. (The word “riches” is here used in its broadest sense, meaning financial, spiritual, mental and material estates). The starting point of the path that leads to riches is DESIRE. In chapter one, you received full instructions for the proper use of DESIRE. In this chapter, on FEAR, you have complete instructions for preparing your mind to make practical use of DESIRE. Here, then, is the place to give yourself a challenge which will definitely determine how much of this philosophy you have absorbed. Here is the point at which you can turn prophet and foretell, accurately, what the future holds in store for you. If, after reading this chapter, you are willing to accept poverty, you may as well make up your mind to receive poverty. This is one decision you cannot avoid. If you demand riches, determine what form, and how much will be required to satisfy you. You know the road that leads to riches. You have been given a road map which, if followed, will keep you on that road. If you neglect to make the start, or stop before you arrive, no one will be to blame, but YOU. This responsibility is yours. No alibi will save you from accepting the responsibility if you now fail or refuse to demand riches of Life, because the acceptance calls for but one thing—incidentally, the only thing you can control—and that is a STATE OF MIND. A state of mind is something that one assumes. It cannot be purchased, it must be created. Fear of poverty is a state of mind, nothing else! But it is sufficient to destroy one’s chances of achievement in any undertaking, a truth which became painfully evident during the depression. This fear paralyzes the faculty of reason, destroys the faculty of imagination, kills off self-reliance, undermines enthusiasm, discourages initiative, leads to uncertainty of purpose, encourages procrastination, wipes out enthusiasm and makes self-control an impossibility. It takes the charm from one’s personality, destroys the possibility of accurate thinking, diverts concentration of effort, it masters persistence, turns the will-power into nothingness, destroys ambition, beclouds the memory and invites failure in every conceivable form; it kills love and assassinates the finer emotions of the heart, discourages friendship and invites disaster in a hundred forms, leads to sleeplessness, misery and unhappiness—and all this despite the obvious truth that we live in a world of over-abundance of everything the heart could desire, with nothing standing between us and our desires, excepting lack of a definite purpose. The Fear of Poverty is, without doubt, the most destructive of the six basic fears. It has been placed at the head of the list, because it is the most difficult to master. Considerable courage is required to state the truth about the origin of this fear, and still greater courage to accept the truth after it has been stated. The fear of poverty grew out of man’s inherited tendency to PREY UPON HIS FELLOW-MAN ECONOMICALLY. Nearly all animals lower than man are motivated by instinct, but their capacity to “think” is limited, therefore, they prey upon one another physically. Man, with his superior sense of intuition, with the capacity to think and to reason, does not eat his fellowman bodily, he gets more satisfaction out of “eating” him FINANCIALLY. Man is so avaricious that every conceivable law has been passed to safeguard him from his fellowman. Of all the ages of the world, of which we know anything, the age in which we live seems to be one that is outstanding because of man’s moneymadness. A man is considered less than the dust of the earth, unless he can display a fat bank account; but if he has money—NEVER MIND HOW HE ACQUIRED IT—he is a “king” or a “big shot”; he is above the law, he rules in politics, he dominates in business, and the whole world about him bows in respect when he passes. Nothing brings man so much suffering and humility as POVERTY! Only those who have experienced poverty understand the full meaning of this. It is no wonder that man fears poverty. Through a long line of inherited experiences man has learned, for sure, that some men cannot be trusted, where matters of money and earthly possessions are concerned. This is a rather stinging indictment, the worst part of it being that it is TRUE. The majority of marriages are motivated by the wealth possessed by one, or both of the contracting parties. It is no wonder, therefore, that the divorce courts are busy. So eager is man to possess wealth that he will acquire it in whatever manner he can—through legal methods if possible—through other methods if necessary or expedient. Self-analysis may disclose weaknesses which one does not like to acknowledge. This form of examination is essential to all who demand of Life more than mediocrity and poverty. Remember, as you check yourself point by point, that you are both the court and the jury, the prosecuting attorney and the attorney for the defense, and that you are the plaintiff and the defendant, also, that you are on trial. Face the facts squarely. Ask yourself definite questions and demand direct replies. When the examination is over, you will know more about yourself. If you do not feel that you can be an impartial judge in this self-examination, call upon someone who knows you well to serve as judge while you cross-examine yourself. You are after the truth. Get it, no matter at what cost even, though it may temporarily embarrass you! The majority of people, if asked what they fear most, would reply, “I fear nothing.” The reply would be inaccurate, because few people realize that they are bound, handicapped, whipped spiritually and physically through some form of fear. So subtle and deeply seated is the emotion of fear that one may go through life burdened with it, never recognizing its presence. Only a courageous analysis will disclose the presence of this universal enemy. When you begin such an analysis, search deeply into your character. Here is a list of the symptoms for which you should look: SYMPTOMS OF THE FEAR OF POVERTY INDIFFERENCE. Commonly expressed through lack of ambition; willingness to tolerate poverty; acceptance of whatever compensation life may offer without protest; mental and physical laziness; lack of initiative, imagination, enthusiasm and self-control INDECISION. The habit of permitting others to do one’s thinking. Staying “on the fence.” DOUBT. Generally expressed through alibis and excuses designed to cover up, explain away, or apologize for one’s failures, sometimes expressed in the form of envy of those who are successful, or by criticising them. WORRY. Usually expressed by finding fault with others, a tendency to spend beyond one’s income, neglect of personal appearance, scowling and frowning; intemperance in the use of alcoholic drink, sometimes through the use of narcotics; nervousness, lack of poise, self-consciousness and lack of self-reliance. The habit of looking for the negative side of every circumstance, thinking and talking of possible failure instead of concentrating upon the means of succeeding. Knowing all the roads to disaster, but never searching for the plans to avoid failure. Waiting for “the right time” to begin putting ideas and plans into action, until the waiting becomes a permanent habit. Remembering those who have failed, and forgetting those who have succeeded. Seeing the hole in the doughnut, but overlooking the doughnut. Pessimism, leading to indigestion, poor elimination, autointoxication, bad breath and bad disposition. OVER-CAUTION. PROCRASTINATION. The habit of putting off until tomorrow that which should have been done last year. Spending enough time in creating alibis and excuses to have done the job. This symptom is closely related to overcaution, doubt and worry. Refusal to accept responsibility when it can be avoided. Willingness to compromise rather than put up a stiff fight. Compromising with difficulties instead of harnessing and using them as stepping stones to advancement. Bargaining with Life for a penny, instead of demanding prosperity, opulence, riches, contentment and happiness. Planning what to do IF AND WHEN OVERTAKEN BY FAILURE, INSTEAD OF BURNING ALL BRIDGES AND MAKING RETREAT IMPOSSIBLE. Weakness of, and often total lack of self-confidence, definiteness of purpose, self-control, initiative, enthusiasm, ambition, thrift and sound reasoning ability. EXPECTING POVERTY INSTEAD OF DEMANDING RICHES. Association with those who accept poverty instead of seeking the company of those who demand and receive riches. MONEY TALKS! Some will ask, “Why did you write a book about money? Why measure riches in dollars, alone?” Some will believe, and rightly so, that there are other forms of riches more desirable than money. Yes, there are riches which cannot be measured in terms of dollars, but there are millions of people who will say, “Give me all the money I need, and I will find everything else I want.” The major reason why I wrote this book on how to get money is the fact that the world has but lately passed through an experience that left millions of men and women paralyzed with the FEAR OF POVERTY. What this sort of fear does to one was well described by Westbrook Pegler, in the New York World-Telegram, viz: “Money is only clam shells or metal discs or scraps of paper, and there are treasures of the heart and soul which money cannot buy, but most people, being broke, are unable to keep this in mind and sustain their spirits. When a man is down and out and on the street, unable to get any job at all, something happens to his spirit which can be observed in the droop of his shoulders, the set of his hat, his walk and his gaze. He cannot escape a feeling of inferiority among people with regular employment, even though he knows they are definitely not his equals in character, intelligence or ability. “These people—even his friends—feel, on the other hand, a sense of superiority and regard him, perhaps unconsciously, as a casualty. He may borrow for a time, but not enough to carry on in his accustomed way, and he cannot continue to borrow very long. But borrowing in itself, when a man is borrowing merely to live, is a depressing experience, and the money lacks the power of earned money to revive his spirits. Of course, none of this applies to bums or habitual ne’er-do-wells, but only to men of normal ambitions and self-respect. “WOMEN CONCEAL DESPAIR “Women in the same predicament must be different. We somehow do not think of women at all in considering the down-and-outers. They are scarce in the breadlines, they rarely are seen begging on the streets, and they are not recognizable in crowds by the same plain signs which identify busted men. Of course, I do not mean the shuffling hags of the city streets who are the opposite number of the confirmed male bums. I mean reasonably young, decent and intelligent women. There must be many of them, but their despair is not apparent. Maybe they kill themselves. “When a man is down and out he has time on his hands for brooding. He may travel miles to see a man about a job and discover that the job is filled or that it is one of those jobs with no base pay but only a commission on the sale of some useless knickknack which nobody would buy, except out of pity. Turning that down, he finds himself back on the street with nowhere to go but just anywhere. So he walks and walks. He gazes into store windows at luxuries which are not for him, and feels inferior and gives way to people who stop to look with an active interest. He wanders into the railroad station or puts himself down in the library to ease his legs and soak up a little heat, but that isn’t looking for a job, so he gets going again. He may not know it, but his aimlessness would give him away even if the very lines of his figure did not. He may be well dressed in the clothes left over from the days when he had a steady job, but the clothes cannot disguise the droop. “MONEY MAKES DIFFERENCE “He sees thousands of other people, bookkeepers or clerks or chemists or wagon hands, busy at their work and envies them from the bottom of his soul. They have their independence, their self-respect and manhood, and he simply cannot convince himself that he is a good man, too, though he argue it out and arrive at a favorable verdict hour after hour. “It is just money which makes this difference in him. With a little money he would be himself again. “Some employers take the most shocking advantage of people who are down and out. The agencies hang out little colored cards offering miserable wages to busted men—$12 a week, $15 a week. An $18 a week job is a plum, and anyone with $25 a week to offer does not hang the job in front of an agency on a colored card. I have a want ad clipped from a local paper demanding a clerk, a good, clean penman, to take telephone orders for a sandwich shop from 11 A.M. to 2 P.M. for $8 a month—not $8 a week but $8 a month. The ad says also, “State religion.” Can you imagine the brutal effrontery of anyone who demands a good, clean penman for 11 cents an hour inquiring into the victim’s religion? But that is what busted people are offered.” “Can you imagine the brutal effrontery of anyone who demands a good, clean penman for 11 cents an hour inquiring into the victim’s religion?” THE FEAR OF CRITICISM Just how man originally came by this fear, no one can state definitely, but one thing is certain—he has it in a highly developed form. Some believe that this fear made its appearance about the time that politics became a “profession.” Others believe it can be traced to the age when women first began to concern themselves with “styles” in wearing apparel. This author, being neither a humorist nor a prophet, is inclined to attribute the basic fear of criticism to that part of man’s inherited nature which prompts him not only to take away his fellowman’s goods and wares, but to justify his action by CRITICISM of his fellowman’s character. It is a well known fact that a thief will criticise the man from whom he steals—that politicians seek office, not by displaying their own virtues and qualifications, but by attempting to besmirch their opponents. The fear of criticism takes on many forms, the majority of which are petty and trivial. Baldheaded men, for example, are bald for no other reason than their fear of criticism. Heads become bald because of the tight fitting bands of hats which cut off the circulation from the roots of the hair. Men wear hats, not because they actually need them, but mainly because “everyone is doing it.” The individual falls into line and does likewise, lest some other individual CRITICISE him. Women seldom have bald heads, or even thin hair, because they wear hats which fit their heads loosely, the only purpose of the hats being adornment. But, it must not be supposed that women are free from the fear of criticism. If any woman claims to be superior to man with reference to this fear, ask her to walk down the street wearing a hat of the vintage of 1890. The astute manufacturers of clothing have not been slow to capitalize this basic fear of criticism, with which all mankind has been cursed. Every season the styles in many articles of wearing apparel change. Who establishes the styles? Certainly not the purchaser of clothing, but the manufacturer. Why does he change the styles so often? The answer is obvious. He changes the styles so he can sell more clothes. For the same reason the manufacturers of automobiles (with a few rare and very sensible exceptions) change styles of models every season. No man wants to drive an automobile which is not of the latest style, although the older model may actually be the better car. We have been describing the manner in which people behave under the influence of fear of criticism as applied to the small and petty things of life. Let us now examine human behavior when this fear affects people in connection with the more important events of human relationship. Take for example practically any person who has reached the age of “mental maturity” (from 35 to 40 years of age, as a general average), and if you could read the secret thoughts of his mind, you would find a very decided disbelief in most of the fables taught by the majority of the dogmatists and theologians a few decades back. Not often, however, will you find a person who has the courage to openly state his belief on this subject. Most people will, if pressed far enough, tell a lie rather than admit that they do not believe the stories associated with that form of religion which held people in bondage prior to the age of scientific discovery and education. Why does the average person, even in this day of enlightenment, shy away from denying his belief in the fables which were the basis of most of the religions a few decades ago? The answer is, “because of the fear of criticism.” Men and women have been burned at the stake for daring to express disbelief in ghosts. It is no wonder we have inherited a consciousness which makes us fear criticism. The time was, and not so far in the past, when criticism carried severe punishments—it still does in some countries. The fear of criticism robs man of his initiative, destroys his power of imagination, limits his individuality, takes away his self-reliance, and does him damage in a hundred other ways. Parents often do their children irreparable injury by criticising them. The mother of one of my boyhood chums used to punish him with a switch almost daily, always completing the job with the statement, “You’ll land in the penitentiary before you are twenty.” He was sent to a Reformatory at the age of seventeen. Criticism is the one form of service, of which everyone has too much. Everyone has a stock of it which is handed out, gratis, whether called for or not. One’s nearest relatives often are the worst offenders. It should be recognized as a crime (in reality it is a crime of the worst nature), for any parent to build inferiority complexes in the mind of a child, through unnecessary criticism. Employers who understand human nature, get the best there is in men, not by criticism, but by constructive suggestion. Parents may accomplish the same results with their children. Criticism will plant FEAR in the human heart, or resentment, but it will not build love or affection. Criticism will plant FEAR in the human heart, or resentment, but it will not build love or affection. SYMPTOMS OF THE FEAR OF CRITICISM This fear is almost as universal as the fear of poverty, and its effects are just as fatal to personal achievement, mainly because this fear destroys initiative, and discourages the use of imagination. The major symptoms of the fear are: SELF-CONSCIOUSNESS. Generally expressed through nervousness, timidity in conversation and in meeting strangers, awkward movement of the hands and limbs, shifting of the eyes. LACK OF POISE. Expressed through lack of voice control, nervousness in the presence of others, poor posture of body, poor memory. PERSONALITY. Lacking in firmness of decision, personal charm, and ability to express opinions definitely. The habit of side-stepping issues instead of meeting them squarely. Agreeing with others without careful examination of their opinions. INFERIORITY COMPLEX. The habit of expressing self-approval by word of mouth and by actions, as a means of covering up a feeling of inferiority. Using “big words” to impress others, (often without knowing the real meaning of the words). Imitating others in dress, speech and manners. Boasting of imaginary achievements. This sometimes gives a surface appearance of a feeling of superiority. EXTRAVAGANCE. The habit of trying to “keep up with the Joneses,” spending beyond one’s income. LACK OF INITIATIVE. Failure to embrace opportunities for selfadvancement, fear to express opinions, lack of confidence in one’s own ideas, giving evasive answers to questions asked by superiors, hesitancy of manner and speech, deceit in both words and deeds. Mental and physical laziness, lack of self-assertion, slowness in reaching decisions, easily influenced by others, the habit of criticising others behind their backs and flattering them to their faces, the habit of accepting defeat without protest, quitting an undertaking when opposed by others, suspicious of other people without cause, lacking in tactfulness of manner and speech, unwillingness to accept the blame for mistakes. LACK OF AMBITION. THE FEAR OF ILL HEALTH This fear may be traced to both physical and social heredity. It is closely associated, as to its origin, with the causes of fear of Old Age and the fear of Death, because it leads one closely to the border of “terrible worlds” of which man knows not, but concerning which he has been taught some discomforting stories. The opinion is somewhat general, also, that certain unethical people engaged in the business of “selling health” have had not a little to do with keeping alive the fear of ill health. In the main, man fears ill health because of the terrible pictures which have been planted in his mind of what may happen if death should overtake him. He also fears it because of the economic toll which it may claim. A reputable physician estimated that 75% of all people who visit physicians for professional service are suffering with hypochondria (imaginary illness). It has been shown most convincingly that the fear of disease, even where there is not the slightest cause for fear, often produces the physical symptoms of the disease feared. Powerful and mighty is the human mind! It builds or it destroys. Playing upon this common weakness of fear of ill health, dispensers of patent medicines have reaped fortunes. This form of imposition upon credulous humanity became so prevalent some twenty years ago that Colliers’ Weekly Magazine conducted a bitter campaign against some of the worst offenders in the patent medicine business. During the “flu” epidemic which broke out during the world war, the mayor of New York City took drastic steps to check the damage which people were doing themselves through their inherent fear of ill health. He called in the newspaper men and said to them, “Gentlemen, I feel it necessary to ask you not to publish any scare headlines concerning the ‘flu’ epidemic. Unless you cooperate with me, we will have a situation which we cannot control.” The newspapers quit publishing stories about the “flu,” and within one month the epidemic had been successfully checked. Through a series of experiments conducted some years ago, it was proved that people may be made ill by suggestion. We conducted this experiment by causing three acquaintances to visit the “victims,” each of whom asked the question, “What ails you? You look terribly ill.” The first questioner usually provoked a grin, and a nonchalant “Oh, nothing, I’m alright,” from the victim. The second questioner usually was answered with the statement, “I don’t know exactly, but I do feel badly.” The third questioner was usually met with the frank admission that the victim was actually feeling ill. Try this on an acquaintance if you doubt that it will make him uncomfortable, but do not carry the experiment too far. There is a certain religious sect whose members take vengeance upon their enemies by the “hexing” method. They call it “placing a spell” on the victim. There is overwhelming evidence that disease sometimes begins in the form of negative thought impulse. Such an impulse may be passed from one mind to another, by suggestion, or created by an individual in his own mind. A man who was blessed with more wisdom than this incident might indicate, once said “When anyone asks me how I feel, I always want to answer by knocking him down.” Doctors send patients into new climates for their health, because a change of “mental attitude” is necessary. The seed of fear of ill health lives in every human mind. Worry, fear, discouragement, disappointment in love and business affairs, cause this seed to germinate and grow. The recent business depression kept the doctors on the run, because every form of negative thinking may cause ill health. Disappointments in business and in love stand at the head of the list of causes of fear of ill health. A young man suffered a disappointment in love which sent him to a hospital. For months he hovered between life and death. A specialist in suggestive therapeutics was called in. The specialist changed nurses, placing him in charge of a very charming young woman who began (by pre-arrangement with the doctor) to make love to him the first day of her arrival on the job. Within three weeks the patient was discharged from the hospital, still suffering, but with an entirely different malady. HE WAS IN LOVE AGAIN. The remedy was a hoax, but the patient and the nurse were later married. Both are in good health at the time of this writing. SYMPTOMS OF THE FEAR OF ILL HEALTH The symptoms of this almost universal fear are: AUTO-SUGGESTION. The habit of negative use of self-suggestion by looking for, and expecting to find the symptoms of all kinds of disease. “Enjoying” imaginary illness and speaking of it as being real. The habit of trying all “fads” and “isms” recommended by others as having therapeutic value. Talking to others of operations, accidents and other forms of illness. Experimenting with diets, physical exercises, reducing systems, without professional guidance. Trying home remedies, patent medicines and “quack” remedies. HYPOCHONDRIA. The habit of talking of illness, concentrating the mind upon disease, and expecting its appearance until a nervous break occurs. Nothing that comes in bottles can cure this condition. It is brought on by negative thinking and nothing but positive thought can affect a cure. Hypochondria, (a medical term for imaginary disease) is said to do as much damage on occasion, as the disease one fears might do. Most so-called cases of “nerves” come from imaginary illness. EXERCISE. Fear of ill health often interferes with proper physical exercise, and results in over-weight, by causing one to avoid outdoor life. SUSCEPTIBILITY. Fear of ill health breaks down Nature’s body resistance, and creates a favorable condition for any form of disease one may contact. The fear of ill health often is related to the fear of Poverty, especially in the case of the hypochondriac, who constantly worries about the possibility of having to pay doctor’s bills, hospital bills, etc. This type of person spends much time preparing for sickness, talking about death, saving money for cemetery lots, and burial expenses, etc. SELF-CODDLING. The habit of making a bid for sympathy, using imaginary illness as the lure. (People often resort to this trick to avoid work). The habit of feigning illness to cover plain laziness, or to serve as an alibi for lack of ambition. INTEMPERANCE. The habit of using alcohol or narcotics to destroy pains such as headaches, neuralgia, etc., instead of eliminating the cause. The habit of reading about illness and worrying over the possibility of being stricken by it. The habit of reading patent medicine advertisements. THE FEAR OF LOSS OF LOVE The original source of this inherent fear needs but little description, because it obviously grew out of man’s polygamous habit of stealing his fellow man’s mate, and his habit of taking liberties with her whenever he could. Jealousy, and other similar forms of dementia praecox grow out of man’s inherited fear of the loss of love of someone. This fear is the most painful of all the six basic fears. It probably plays more havoc with the body and mind than any of the other basic fears, as it often leads to permanent insanity. The fear of the loss of love probably dates back to the stone age, when men stole women by brute force. They continue to steal females, but their technique has changed. Instead of force, they now use persuasion, the promise of pretty clothes, motor ears, and other “bait” much more effective than physical force. Man’s habits are the same as they were at the dawn of civilization, but he expresses them differently. Careful analysis has shown that women are more susceptible to this fear than men. This fact is easily explained. Women have learned, from experience, that men are polygamous by nature, that they are not to be trusted in the hands of rivals. SYMPTOMS OF THE FEAR OF LOSS OF LOVE The distinguishing symptoms of this fear are: JEALOUSY. The habit of being suspicious of friends and loved ones without any reasonable evidence of sufficient grounds. (Jealousy is a form of dementia praecox which sometimes becomes violent without the slightest cause). The habit of accusing wife or husband of infidelity without grounds. General suspicion of everyone, absolute faith in no one. FAULT FINDING. The habit of finding fault with friends, relatives, business associates and loved ones upon the slightest provocation, or without any cause whatsoever. GAMBLING. The habit of gambling, stealing, cheating, and otherwise taking hazardous chances to provide money for loved ones, with the belief that love can be bought. The habit of spending beyond one’s means, or incurring debts, to provide gifts for loved ones, with the object of making a favorable showing. Insomnia, nervousness, lack of persistence, weakness of will, lack of self-control, lack of self-reliance, and bad temper. THE FEAR OF OLD AGE In the main, this fear grows out of two sources. First, the thought that old age may bring with it POVERTY. Secondly, and by far the most common source of origin, from false and cruel teachings of the past which have been too well mixed with “fire and brimstone,” and other bogies cunningly designed to enslave man through fear. In the basic fear of old age, man has two very sound reasons for his apprehension—one growing out of his distrust of his fellowman, who may seize whatever worldly goods he may possess, and the other arising from the terrible pictures of the world beyond, which were planted in his mind, through social heredity before he came into full possession of his mind. The possibility of ill health, which is more common as people grow older, is also a contributing cause of this common fear of old age. Eroticism also enters into the cause of the fear of old age, as no man cherishes the thought of diminishing sex attraction. The most common cause of fear of old age is associated with the possibility of poverty. “Poorhouse” is not a pretty word. It throws a chill into the mind of every person who faces the possibility of having to spend his declining years on a poor farm. Another contributing cause of the fear of old age, is the possibility of loss of freedom and independence, as old age may bring with it the loss of both physical and economic freedom. SYMPTOMS OF THE FEAR OF OLD AGE The commonest symptoms of this fear are: The tendency to slow down and develop an inferiority complex at the age of mental maturity, around the age of forty, falsely believing one’s self to be “slipping” because of age. (The truth is that man’s most useful years, mentally and spiritually, are those between forty and sixty). The habit of speaking apologetically of one’s self as “being old” merely because one has reached the age of forty, or fifty, instead of reversing the rule and expressing gratitude for having reached the age of wisdom and understanding. The habit of killing off initiative, imagination, and self-reliance by falsely believing one’s self too old to exercise these qualities. The habit of the man or woman of forty dressing with the aim of trying to appear much younger, and affecting mannerisms of youth; thereby inspiring ridicule by both friends and strangers. THE FEAR OF DEATH To some this is the cruelest of all the basic fears. The reason is obvious. The terrible pangs of fear associated with the thought of death, in the majority of cases, may be charged directly to religious fanaticism. So-called “heathen” are less afraid of death than the more “civilized.” For hundreds of millions of years man has been asking the still unanswered questions, “whence” and “whither.” Where did I come from, and where am I going? During the darker ages of the past, the more cunning and crafty were not slow to offer the answer to these questions, FOR A PRICE. Witness, now, the major source of origin of the FEAR OF DEATH. “Come into my tent, embrace my faith, accept my dogmas, and I will give you a ticket that will admit you straightaway into heaven when you die,” cries a leader of sectarianism. “Remain out of my tent,” says the same leader, “and may the devil take you and burn you throughout eternity.” ETERNITY is a long time. FIRE is a terrible thing. The thought of eternal punishment, with fire, not only causes man to fear death, it often causes him to lose his reason. It destroys interest in life and makes happiness impossible. During my research, I reviewed a book entitled “A Catalogue of the Gods,” in which were listed the 30,000 gods which man has worshiped. Think of it! Thirty thousand of them, represented by everything from a crawfish to a man. It is little wonder that men have become frightened at the approach of death. While the religious leader may not be able to provide safe conduct into heaven, nor, by lack of such provision, allow the unfortunate to descend into hell, the possibility of the latter seems so terrible that the very thought of it lays hold of the imagination in such a realistic way that it paralyzes reason, and sets up the fear of death. In truth, NO MAN KNOWS, and no man has ever known, what heaven or hell is like, nor does any man know if either place actually exists. This very lack of positive knowledge opens the door of the human mind to the charlatan so he may enter and control that mind with his stock of legerdemain and various brands of pious fraud and trickery. The fear of DEATH is not as common now as it was during the age when there were no great colleges and universities. Men of science have turned the spotlight of truth upon the world, and this truth is rapidly freeing men and women from this terrible fear of DEATH. The young men and young women who attend the colleges and universities are not easily impressed by “fire” and “brimstone.” Through the aid of biology, astronomy, geology, and other related sciences, the fears of the dark ages which gripped the minds of men and destroyed their reason have been dispelled. Insane asylums are filled with men and women who have gone mad, because of the FEAR OF DEATH. This fear is useless. Death will come, no matter what anyone may think about it. Accept it as a necessity, and pass the thought out of your mind. It must be a necessity, or it would not come to all. Perhaps it is not as bad as it has been pictured. The entire world is made up of only two things, ENERGY and MATTER. In elementary physics we learn that neither matter nor energy (the only two realities known to man) can be created nor destroyed. Both matter and energy can be transformed, but neither can be destroyed. Life is energy, if it is anything. If neither energy nor matter can be destroyed, of course life cannot be destroyed. Life, like other forms of energy, may be passed through various processes of transition, or change, but it cannot be destroyed. Death is mere transition. If death is not mere change, or transition, then nothing comes after death except a long, eternal, peaceful sleep, and sleep is nothing to be feared. Thus you may wipe out, forever, the fear of Death. SYMPTOMS OF THE FEAR OF DEATH The general symptoms of this fear are: The habit of THINKING about dying instead of making the most of LIFE, due, generally, to lack of purpose, or lack of a suitable occupation. This fear is more prevalent among the aged, but sometimes the more youthful are victims of it. The greatest of all remedies for the fear of death is a BURNING DESIRE FOR ACHIEVEMENT, backed by useful service to others. A busy person seldom has time to think about dying. He finds life too thrilling to worry about death. Sometimes the fear of death is closely associated with the Fear of Poverty, where one’s death would leave loved ones poverty-stricken. In other cases, the fear of death is caused by illness and the consequent breaking down of physical body resistance. The commonest causes of the fear of death are: ill-health, poverty, lack of appropriate occupation, disappointment over love, insanity, religious fanaticism. OLD MAN WORRY Worry is a state of mind based upon fear. It works slowly, but persistently. It is insidious and subtle. Step by step it “digs itself in” until it paralyzes one’s reasoning faculty, destroys self-confidence and initiative. Worry is a form of sustained fear caused by indecision therefore it is a state of mind which can be controlled. An unsettled mind is helpless. Indecision makes an unsettled mind. Most individuals lack the willpower to reach decisions promptly, and to stand by them after they have been made, even during normal business conditions. During periods of economic unrest (such as the world recently experienced), the individual is handicapped, not alone by his inherent nature to be slow at reaching decisions, but he is influenced by the indecision of others around him who have created a state of “mass indecision.” During the depression the whole atmosphere, all over the world, was filled with “Fearenza” and “Worryitis,” the two mental disease germs which began to spread themselves after the Wall Street frenzy in 1929. There is only one known antidote for these germs; it is the habit of prompt and firm DECISION. Moreover, it is an antidote which every individual must apply for himself. We do not worry over conditions, once we have reached a decision to follow a definite line of action. I once interviewed a man who was to be electrocuted two hours later. The condemned man was the calmest of some eight men who were in the death-cell with him. His calmness prompted me to ask him how it felt to know that he was going into eternity in a short while. With a smile of confidence on his face, he said, “It feels fine. Just think, brother, my troubles will soon be over. I have had nothing but trouble all my life. It has been a hardship to get food and clothing. Soon I will not need these things. I have felt fine ever since I learned FOR CERTAIN that I must die. I made up my mind then, to accept my fate in good spirit.” As he spoke he devoured a dinner of proportions sufficient for three men, eating every mouthful of the food brought to him, and apparently enjoying it as much as if no disaster awaited him. DECISION gave this man resignation to his fate! Decision can also prevent one’s acceptance of undesired circumstances. The six basic fears become translated into a state of worry, through indecision. Relieve yourself, forever of the fear of death, by reaching a decision to accept death as an inescapable event. Whip the fear of poverty by reaching a decision to get along with whatever wealth you can accumulate WITHOUT WORRY. Put your foot upon the neck of the fear of criticism by reaching a decision NOT TO WORRY about what other people think, do, or say. Eliminate the fear of old age by reaching a decision to accept it, not as a handicap, but as a great blessing which carries with it wisdom, self-control, and understanding not known to youth. Acquit yourself of the fear of ill health by the decision to forget symptoms. Master the fear of loss of love by reaching a decision to get along without love, if that is necessary. Whip the fear of poverty by reaching a decision to get along with whatever wealth you can accumulate WITHOUT WORRY. Kill the habit of worry, in all its forms, by reaching a general, blanket decision that nothing which life has to offer is worth the price of worry. With this decision will come poise, peace of mind, and calmness of thought which will bring happiness. A man whose mind is filled with fear not only destroys his own chances of intelligent action, but, he transmits these destructive vibrations to the minds of all who come into contact with him, and destroys, also their chances. Even a dog or a horse knows when its master lacks courage; moreover, a dog or a horse will pick up the vibrations of fear thrown off by its master, and behave accordingly. Lower down the line of intelligence in the animal kingdom, one finds this same capacity to pick up the vibrations of fear. A honey-bee immediately senses fear in the mind of a person—for reasons unknown, a bee will sting the person whose mind is releasing vibrations of fear, much more readily than it will molest the person whose mind registers no fear. The vibrations of fear pass from one mind to another just as quickly and as surely as the sound of the human voice passes from the broadcasting station to the receiving set of a radio—and BY THE SELF-SAME MEDIUM. Nothing which life has to offer is worth the price of worry. Mental telepathy is a reality. Thoughts pass from one mind to another, voluntarily, whether or not this fact is recognized by either the person releasing the thoughts, or the persons who pick up those thoughts. The person who gives expression, by word of mouth, to negative or destructive thoughts is practically certain to experience the results of those words in the form of a destructive “kick-back.” The release of destructive thought impulses, alone, without the aid of words, produces also a “kickback” in more ways than one. First of all, and perhaps most important to be remembered, the person who releases thoughts of a destructive nature, must suffer damage through the breaking down of the faculty of creative imagination. Secondly, the presence in the mind of any destructive emotion develops a negative personality which repels people, and often converts them into antagonists. The third source of damage to the person who entertains or releases negative thoughts, lies in this significant fact—these thought-impulses are not only damaging to others, but they IMBED THEMSELVES IN THE SUBCONSCIOUS MIND OF THE PERSON RELEASING THEM, and there become a part of his character. One is never through with a thought, merely by releasing it. When a thought is released, it spreads in every direction, through the medium of the ether, but it also plants itself permanently in the subconscious mind of the person releasing it. Your business in life is, presumably to achieve success. To be successful, you must find peace of mind, acquire the material needs of life, and above all, attain HAPPINESS. All of these evidences of success begin in the form of thought impulses. You may control your own mind, you have the power to feed it whatever thought impulses you choose. With this privilege goes also the responsibility of using it constructively. You are the master of your own earthly destiny just as surely as you have the power to control your own thoughts. You may influence, direct, and eventually control your own environment, making your life what you want it to be—or, you may neglect to exercise the privilege which is yours, to make your life to order, thus casting yourself upon the broad sea of “Circumstance” where you will be tossed hither and yon, like a chip on the waves of the ocean. THE DEVIL’S WORKSHOP THE SEVENTH BASIC EVIL In addition to the Six Basic Fears, there is another evil by which people suffer. It constitutes a rich soil in which the seeds of failure grow abundantly. It is so subtle that its presence often is not detected. This affliction cannot properly be classed as a fear. IT IS MORE DEEPLY SEATED AND MORE OFTEN FATAL THAN ALL OF THE SIX FEARS. For want of a better name, let us call this evil SUSCEPTIBILITY TO NEGATIVE INFLUENCES. Men who accumulate great riches always protect themselves against this evil! The poverty stricken never do! Those who succeed in any calling must prepare their minds to resist the evil. If you are reading this philosophy for the purpose of accumulating riches, you should examine yourself very carefully, to determine whether you are susceptible to negative influences. If you neglect this self-analysis, you will forfeit your right to attain the object of your desires. Make the analysis searching. After you read the questions prepared for this self-analysis, hold yourself to a strict accounting in your answers. Go at the task as carefully as you would search for any other enemy you knew to be awaiting you in ambush and deal with your own faults as you would with a more tangible enemy. You can easily protect yourself against highway robbers, because the law provides organized cooperation for your benefit, but the “seventh basic evil” is more difficult to master, because it strikes when you are not aware of its presence, when you are asleep, and while you are awake. Moreover, its weapon is intangible, because it consists of merely—a STATE OF MIND. This evil is also dangerous because it strikes in as many different forms as there are human experiences. Sometimes it enters the mind through the wellmeant words of one’s own relatives. At other times, it bores from within, through one’s own mental attitude. Always it is as deadly as poison, even though it may not kill as quickly. HOW TO PROTECT YOURSELF AGAINST NEGATIVE INFLUENCES To protect yourself against negative influences, whether of your own making, or the result of the activities of negative people around you, recognize that you have a WILL-POWER, and put it into constant use, until it builds a wall of immunity against negative influences in your own mind. Recognize the fact that you, and every other human being, are, by nature, lazy, indifferent, and susceptible to all suggestions which harmonize with your weaknesses. Recognize that you are, by nature, susceptible to all the six basic fears, and set up habits for the purpose of counteracting all these fears. Recognize that negative influences often work on you through your subconscious mind, therefore they are difficult to detect, and keep your mind closed against all people who depress or discourage you in any way. Clean out your medicine chest, throw away all pill bottles, and stop pandering to colds, aches, pains and imaginary illness. Deliberately seek the company of people who influence you to THINK AND ACT FOR YOURSELF. Do not EXPECT troubles as they have a tendency not to disappoint. Without doubt, the most common weakness of all human beings is the habit of leaving their minds open to the negative influence of other people. This weakness is all the more damaging, because most people do not recognize that they are cursed by it, and many who acknowledge it, neglect or refuse to correct the evil until it becomes an uncontrollable part of their daily habits. The most common weakness of all human beings is the habit of leaving their minds open to the negative influence of other people. To aid those who wish to see themselves as they really are, the following list of questions has been prepared. Read the questions and state your answers aloud, so you can hear your own voice. This will make it easier for you to be truthful with yourself. SELF-ANALYSIS TEST QUESTIONS Do you complain often of “feeling bad,” and if so, what is the cause? Do you find fault with other people at the slightest provocation? Do you frequently make mistakes in your work, and if so, why? Are you sarcastic and offensive in your conversation? Do you deliberately avoid the association of anyone, and if so, why? Do you suffer frequently with indigestion? If so, what is the cause? Does life seem futile and the future hopeless to you? If so, why? Do you like your occupation? If not, why? Do you often feel self-pity, and if so why? Are you envious of those who excel you? To which do you devote most time, thinking of SUCCESS, or of FAILURE? Are you gaining or losing self-confidence as you grow older? Do you learn something of value from all mistakes? Are you permitting some relative or acquaintance to worry you? If so, why? Are you sometimes “in the clouds” and at other times in the depths of despondency? Who has the most inspiring influence upon you? What is the cause? Do you tolerate negative or discouraging influences which you can avoid? Are you careless of your personal appearance? If so, when and why? Have you learned how to “drown your troubles” by being too busy to be annoyed by them? Would you call yourself a “spineless weakling” if you permitted others to do your thinking for you? Do you neglect internal bathing until auto-intoxication makes you illtempered and irritable? How many preventable disturbances annoy you, and why do you tolerate them? Do you resort to liquor, narcotics, or cigarettes to “quiet your nerves”? If so, why do you not try will-power instead? Does anyone “nag” you, and if so, for what reason? Do you have a DEFINITE MAJOR PURPOSE, and if so, what is it, and what plan have you for achieving it? Do you suffer from any of the Six Basic Fears? If so, which ones? Have you a method by which you can shield yourself against the negative influence of others? Do you make deliberate use of auto-suggestion to make your mind positive? Which do you value most, your material possessions, or your privilege of controlling your own thoughts? Are you easily influenced by others, against your own judgment? Has today added anything of value to your stock of knowledge or state of mind? Do you face squarely the circumstances which make you unhappy, or sidestep the responsibility? Do you analyze all mistakes and failures and try to profit by them or, do you take the attitude that this is not your duty? Can you name three of your most damaging weaknesses? What are you doing to correct them? Do you encourage other people to bring their worries to you for sympathy? Do you choose, from your daily experiences, lessons or influences which aid in your personal advancement? Does your presence have a negative influence on other people as a rule? What habits of other people annoy you most? Do you form your own opinions or permit yourself to be influenced by other people? Have you learned how to create a mental state of mind with which you can shield yourself against all discouraging influences? Does your occupation inspire you with faith and hope? Are you conscious of possessing spiritual forces of sufficient power to enable you to keep your mind free from all forms of FEAR? Does your religion help you to keep your own mind positive? Do you feel it your duty to share other people’s worries? If so, why? If you believe that “birds of a feather flock together” what have you learned about yourself by studying the friends whom you attract? What connection, if any, do you see between the people with whom you associate most closely, and any unhappiness you may experience? Could it be possible that some person whom you consider to be a friend is, in reality, your worst enemy, because of his negative influence on your mind? By what rules do you judge who is helpful and who is damaging to you? Are your intimate associates mentally superior or inferior to you? How much time out of every 24 hours do you devote to: a. your occupation b. sleep c. play and relaxation d. acquiring useful knowledge e. plain waste Who among your acquaintances, a. encourages you most b. cautions you most c. discourages you most d. helps you most in other ways What is your greatest worry? Why do you tolerate it? When others offer you free, unsolicited advice, do you accept it without question, or analyze their motive? What, above all else, do you most DESIRE? Do you intend to acquire it? Are you willing to subordinate all other desires for this one? How much time daily do you devote to acquiring it? Do you change your mind often? If so, why? Do you usually finish everything you begin? Are you easily impressed by other people’s business or professional titles, college degrees, or wealth? Are you easily influenced by what other people think or say of you? Do you cater to people because of their social or financial status? Whom do you believe to be the greatest person living? In what respect is this person superior to yourself? How much time have you devoted to studying and answering these questions? (At least one day is necessary for the analysis and the answering of the entire list.) If you have answered all these questions truthfully, you know more about yourself than the majority of people. Study the questions carefully, come back to them once each week for several months, and be astounded at the amount of additional knowledge of great value to yourself, you will have gained by the simple method of answering the questions truthfully. If you are not certain concerning the answers to some of the questions, seek the counsel of those who know you well, especially those who have no motive in flattering you, and see yourself through their eyes. The experience will be astonishing. You have ABSOLUTE CONTROL over but one thing, and that is your thoughts. This is the most significant and inspiring of all facts known to man! It reflects man’s Divine nature. This Divine prerogative is the sole means by which you may control your own destiny. If you fail to control your own mind, you may be sure you will control nothing else. If you must be careless with your possessions, let it be in connection with material things. Your mind is your spiritual estate! Protect and use it with the care to which Divine Royalty is entitled. You were given a WILLPOWER for this purpose. Unfortunately, there is no legal protection against those who, either by design or ignorance, poison the minds of others by negative suggestion. This form of destruction should be punishable by heavy legal penalties, because it may and often does destroy one’s chances of acquiring material things which are protected by law. Men with negative minds tried to convince Thomas A. Edison that he could not build a machine that would record and reproduce the human voice, “because” they said, “no one else had ever produced such a machine.” Edison did not believe them. He knew that the mind could produce ANYTHING THE MIND COULD CONCEIVE AND BELIEVE, and that knowledge was the thing that lifted the great Edison above the common herd. Edison knew that the mind could produce ANYTHING THE MIND COULD CONCEIVE AND BELIEVE, and that knowledge was the thing that lifted the great Edison above the common herd. Men with negative minds told F. W. Woolworth, he would go “broke” trying to run a store on five and ten cent sales. He did not believe them. He knew that he could do anything, within reason, if he backed his plans with faith. Exercising his right to keep other men’s negative suggestions out of his mind, he piled up a fortune of more than a hundred million dollars. Men with negative minds told George Washington he could not hope to win against the vastly superior forces of the British, but he exercised his Divine right to BELIEVE, therefore this book was published under the protection of the Stars and Stripes, while the name of Lord Cornwallis has been all but forgotten. Doubting Thomases scoffed scornfully when Henry Ford tried out his first crudely built automobile on the streets of Detroit. Some said the thing never would become practical. Others said no one would pay money for such a contraption. FORD SAID, “I’LL BELT THE EARTH WITH DEPENDABLE MOTOR CARS,” AND HE DID! His decision to trust his own judgment has already piled up a fortune far greater than the next five generations of his descendants can squander. For the benefit of those seeking vast riches, let it be remembered that practically the sole difference between Henry Ford and a majority of the more than one hundred thousand men who work for him, is this—FORD HAS A MIND AND CONTROLS IT, THE OTHERS HAVE MINDS WHICH THEY DO NOT TRY TO CONTROL. Henry Ford has been repeatedly mentioned, because he is an astounding example of what a man with a mind of his own, and a will to control it, can accomplish. His record knocks the foundation from under that time-worn alibi, “I never had a chance.” Ford never had a chance, either, but he CREATED AN OPPORTUNITY AND BACKED IT WITH PERSISTENCE UNTIL IT MADE HIM RICHER THAN CROESUS. Mind control is the result of self-discipline and habit. You either control your mind or it controls you. There is no half-way compromise. The most practical of all methods for controlling the mind is the habit of keeping it busy with a definite purpose, backed by a definite plan. Study the record of any man who achieves noteworthy success, and you will observe that he has control over his own mind, moreover, that he exercises that control and directs it toward the attainment of definite objectives. Without this control, success is not possible. “FIFTY-SEVEN” FAMOUS ALIBIS BY OLD MAN IF People who do not succeed have one distinguishing trait in common. They know all the reasons for failure, and have what they believe to be air-tight alibis to explain away their own lack of achievement. Some of these alibis are clever, and a few of them are justifiable by the facts. But alibis cannot be used for money. The world wants to know only one thing—HAVE YOU ACHIEVED SUCCESS? A character analyst compiled a list of the most commonly used alibis. As you read the list, examine yourself carefully, and determine how many of these alibis, if any, are your own property. Remember, too, the philosophy presented in this book makes every one of these alibis obsolete. IF I didn’t have a wife and family … IF I had enough “pull” … IF I had money … IF I had a good education … IF I could get a job … IF I had good health … IF I only had time … IF times were better … IF other people understood me … IF conditions around me were only different … IF I could live my life over again … IF I did not fear what “THEY” would say … IF I had been given a chance … IF I now had a chance … IF other people didn’t “have it in for me” … IF nothing happens to stop me … IF I were only younger … IF I could only do what I want … IF I had been born rich … IF I could meet “the right people” … IF I had the talent that some people have … IF I dared assert myself … IF I only had embraced past opportunities … IF people didn’t get on my nerves … IF I didn’t have to keep house and look after the children … IF I could save some money … IF the boss only appreciated me … IF I only had somebody to help me … IF my family understood me … IF I lived in a big city … IF I could just get started … IF I were only free … IF I had the personality of some people … IF I were not so fat … IF my talents were known … IF I could just get a “break” … IF I could only get out of debt … IF I hadn’t failed … IF I only knew how … IF everybody didn’t oppose me … IF I didn’t have so many worries … IF I could marry the right person … IF people weren’t so dumb … IF my family were not so extravagant … IF I were sure of myself … IF luck were not against me … IF I had not been born under the wrong star … IF it were not true that “what is to be will be” … IF I did not have to work so hard … IF I hadn’t lost my money … IF I lived in a different neighborhood … IF I didn’t have a “past” … IF I only had a business of my own … IF other people would only listen to me … IF * * * and this is the greatest of them all * * * I had the courage to see myself as I really am, I would find out what is wrong with me, and correct it, then I might have a chance to profit by my mistakes and learn something from the experience of others, for I know that there is something WRONG with me, or I would now be where I WOULD HAVE BEEN IF I had spent more time analyzing my weaknesses, and less time building alibis to cover them. Building alibis with which to explain away failure is a national pastime. The habit is as old as the human race, and is fatal to success! Why do people cling to their pet alibis? The answer is obvious. They defend their alibis because THEY CREATE them! A man’s alibi is the child of his own imagination. It is human nature to defend one’s own brain-child. Building alibis is a deeply rooted habit. Habits are difficult to break, especially when they provide justification for something we do. Plato had this truth in mind when he said, “The first and best victory is to conquer self. To be conquered by self is, of all things, the most shameful and vile.” Another philosopher had the same thought in mind when he said, “It was a great surprise to me when I discovered that most of the ugliness I saw in others, was but a reflection of my own nature.” “It has always been a mystery to me,” said Elbert Hubbard, “why people spend so much time deliberately fooling themselves by creating alibis to cover their weaknesses. If used differently, this same time would be sufficient to cure the weakness, then no alibis would be needed.” In parting, I would remind you that “Life is a checkerboard, and the player opposite you is TIME. If you hesitate before moving, or neglect to move promptly, your men will be wiped off the board by TIME. You are playing against a partner who will not tolerate INDECISION!” Previously you may have had a logical excuse for not having forced Life to come through with whatever you asked, but that alibi is now obsolete, because you are in possession of the Master Key that unlocks the door to Life’s bountiful riches. The Master Key is intangible, but it is powerful! It is the privilege of creating, in your own mind, a BURNING DESIRE for a definite form of riches. There is no penalty for the use of the Key, but there is a price you must pay if you do not use it. The price is FAILURE. There is a reward of stupendous proportions if you put the Key to use. It is the satisfaction that comes to all who conquer self and force Life to pay whatever is asked. The reward is worthy of your effort. Will you make the start and be convinced? “If we are related,” said the immortal Emerson, “we shall meet.” In closing, may I borrow his thought, and say, “If we are related, we have, through these pages, met.” THE END Chapter Fifteen Key Points 1. Outside matters of legitimate physical safety, fear is of no use to you. It deadens the senses, hampers judgment, and lessens perception. 2. Indecision results from fear. 3. Study and identify in yourself the six basic causes of fear as outlined in this chapter. These are common facets of human nature; identifying them helps reduce fear’s grip. 4. Worry solves nothing—it is passive and unproductive. You cannot lead a satisfying life under the burden of worry. The effects of worry of are literally worse than most negative events that can befall you. 5. The one thing over which you have absolute control are your thoughts. Value and act upon this fact. 6. The greatest factor for overcoming fear is a burning desire for achievement. Appendix A Napoleon Hill’s Seventeen Laws of Success Napoleon Hill identified between thirteen and seventeen laws of success. He refined these principles throughout his career but they remained thematically consistent. In short, Hill counseled that each of these traits appear in the lives of almost all exceptional people. Although Hill considered it necessary to master all seventeen principles, the qualities of the whole are, in a sense, inherent within each one, the same way that a primeval forest may be traced back to a single acorn. I describe each here. —Mitch Horowitz 1. DEFINITE PURPOSE. The starting point of all achievement is one definite, passionate, and specific aim. This is no ordinary desire, but something you’re prepared to dedicate your life to. Your aim must be written down, read daily, acted upon constantly, and held in your heart with iron commitment. 2. MASTER MIND. This is a harmonious alliance ranging from as few as two to as many as seven people who meet at regular intervals to exchange ideas, advice, and sometimes meditations and prayers for one another’s fulfillment. The Master Mind is critical to your success, as the pooling of intellects results in heightened insight, acumen, and intuition for all members. 3. APPLIED FAITH. Faith is learnable. Through a passionate aim and continual effort, you will discover that faith in your abilities and in unseen sources of help will bolster and fuel your effectiveness and persistence. Faith is the gelling factor that aids all of your efforts. 4. GOING THE EXTRA MILE. You are most efficient, and will more quickly and easily succeed, when you dedicate yourself to work that you love and that you find indistinguishable from leisure or play. When you work with this kind of passion, the quality and quantity of your work improve and you naturally do more and better work than you are paid for. This is why you owe it to yourself to find the work that you most like—and express that work by always going the extra mile for clients, customers, and employers. 5. POSITIVE MENTAL ATTITUDE (PMA). This does not mean blocking out bad news or cultivating an unrealistically rosy mindset. Rather, it means believing in your reserves of resilience, using every positive tool at hand to approach your goals, and knowing that you possess or can acquire the necessary resources to deal with nearly any challenge. People with PMA naturally attract others and become leaders. 6. INITIATIVE. Leadership is essential to success—and initiative is the core of leadership. Initiative means doing what ought to be done without being told. Only those who practice initiative become self-starters, examples to others, and high achievers. Initiative is one of Hill’s simplest (if not easiest) laws; its practice is transformative. 7. ENTHUSIASM. Without enthusiasm nothing is possible and every task is menial. With it, you demonstrate acts of tireless commitment, which sometimes seem extraordinary. This is why your Definite Chief Aim must tap your passions. Enthusiasm is the closest thing life grants us to a magic elixir. 8. PLEASING PERSONALITY. Your personality is the sum total of your characteristics and appearance: the clothes you wear, your facial expressions, the vitality of your body, your handshake, your tone of voice, your diplomacy, your thoughts, and the character you have developed by those thoughts. 9. ACCURATE THINKING. Accurate thought is vital to success. Thinking accurately means relying on facts, observations, experience, and data that are relevant to your aim. This means shunning gossip, rumor, hearsay, idle talk, and—above all—casual opinions from people who know little or nothing about your field. 10. PROFITING BY FAILURE. What we call failure is often temporary defeat. Temporary defeat frequently proves a blessing because it jolts us and redirects our energies along more desirable paths. Reversals, setbacks, and temporary defeat impel the success-driven person toward improved actions and plans. Never miss an opportunity to review a disappointment for practical lessons and fresh approaches. 11. BUDGETING OF TIME AND MONEY. A friend once observed, “If you don’t know how much money you have you probably know very little else.” You must keep track of and budget your two most precious outer resources: time and money. This means making a regular schedule of saving and paying down debts. It also means bringing orderliness to your tasks, knowing when to let go of a time-wasting activity, and honoring deadlines. Time is the one resource that no one can replenish or replace. 12. SELF-DISCIPLINE. Self-discipline or self-control is the force through which your enthusiasm is directed toward constructive ends. Without selfcontrol—in speech, action, and thought—your enthusiasm is like unharnessed lightning: it may strike anywhere. The successful person combines enthusiasm and self-discipline. 13. CONTROLLED ATTENTION. This law relates to the two previous ones. You simply cannot afford the luxuries of a wandering mind (not always easy in the digital age) or procrastination. The latter is usually a form of fear, and it can be addressed through several of the methods explored in this book, including autosuggestion and possession of a Definite Chief Aim. “A man is what he thinks about all day long,” Ralph Waldo Emerson wrote in “SelfReliance” in 1841. 14. TEAMWORK. Success cannot be attained singlehandedly. It requires teamwork and cooperative effort. If your work is based upon cooperation rather than competition, you will go places faster and enjoy an additional reward in reduced stress and anxieties. To win the cooperation of others you must also offer them a strong motive or reward. 15. SOUND HEALTH. If you maintain indulgent habits of food, alcohol, or intoxicants, these things will ultimately take over your time, your health, and your life. Your work and aims will eventually wither if you do not maintain reasonable habits of eating, rest, and exercise. If you do not pay adequate attention to your health now the consequences will claim all of your attention later. 16. CREATIVE VISION. Creative vision and imagination are the visualizing faculties that formulate your plans and connect knowledge with new ideas. Imagination and vision are not the equivalent of daydreams or escapism. Your imagination must be primed with credible information and facts, which it will then shape into ideas and applications. 17. COSMIC HABIT FORCE. This is one of Hill’s most exciting and transformative principles. If you can train your habits of thought, emotion, and body along the lines of all the laws outlined above, an additional force— call it Infinite Mind, the Over-Soul, or Cosmic Habit Force—will lend itself to your efforts and provide an added boost to everything you do. Cosmic Habit Force expands who you are. It is the energy through which life replicates itself through established channels. Create the positive channels through which you want to express your life and Cosmic Habit Force will aid your advancement. Appendix B A Prayer for True Prosperity I believe that prayer can be lifesaving. You may be able to identify a turning point in your personal experience where prayer rescued you from a crisis or clarified a serious problem. I believe in praying in whatever way speaks to your heart and psyche, and to whatever your personal conception of a Greater Force. I offer no instructions other than sincerity. That said, I want to share with you two of my personal favorite prayers. These may be the kind of statements for which you’ve been searching, or they may supplement your existing practice. I have long admired this prayer from Napoleon Hill, which he used in several of his talks and articles. You may want to recite daily. If it speaks to you, write it down on a card and keep it at hand: I ask not for more blessings, but more wisdom with which to make better use of the blessings I now possess. And give me, please, more understanding that I may occupy more space in the hearts of my fellow men by rendering more service tomorrow than I have rendered today. You can address the prayer to a Greater Force, to Infinite Intelligence (as Hill often did), or use it simply as a meditation that speaks to your highest ideals. Here is a radically ecumenical prayer from director David Lynch, which I also find deeply meaningful. He sometimes recites this statement at the end of his public talks. I had the privilege of asking David to speak it live during a public-radio interview. May its words enter and occupy your life: May everyone be happy. May everyone be free from disease. May auspiciousness be seen everywhere. May suffering belong to no one. Peace. Appendix C Genius and Sex Transmutation By Mitch Horowitz One of the most confounding and fascinating topics in Think and Grow Rich is “sex transmutation.” To clear up any questions about the practical uses of this remarkable facet of the psyche, I have provided this expanded exploration. It is adapted from my Cosmic Habit Force. Toward the end of his life, the pioneering psychical researcher Frederic Myers (1843–1901) pondered the nature and origins of genius. The British scientist came to believe that genius, or remarkable inspiration and application of ideas, possessed an origin or at least an element outside of the everyday mind. Myers called it the supraliminal mind. In his posthumously published 1903 treatise Human Personality and Its Survival of Bodily Death, the researcher wrote: Genius—if that vaguely used word is to receive anything like a psychological definition— should rather be regarded as a power of utilising a wider range than other men can utilise of faculties in some degree innate in all;—a power of appropriating the results of subliminal mentation to subserve the supraliminal stream of thought;—so that an “inspiration of Genius” will be in truth a subliminal uprush, an emergence into the current of ideas which the man is consciously manipulating of other ideas which he has not consciously originated, but which have shaped themselves beyond his will, in profounder regions of his being. I shall urge that there is here no real departure from normality; no abnormality, at least in the sense of degeneration; but rather a fulfilment of the true norm of man, with suggestions, it may be, of something supernormal;—of something which transcends existing normality as an advanced stage of evolutionary progress transcends an earlier stage. In short, Myers saw genius as an interplay between the subliminal or subconscious mind—a concept that his work also helped define and establish —and a supraliminal mind, or what Napoleon Hill called Infinite Intelligence. In Myers’ view, this interplay resulted in genius, a perspective that is in harmony with Hill’s outlook. Hill added a powerful adjunct to this schema: genius, or inspired thought, can be accessed through the method of sex transmutation. Hill saw sex transmutation—the process of channeling sexual desire into inspiration—as a critical facet of Cosmic Habit Force. Hill spoke of using “the application of the law of Cosmic Habit Force in developing a system for transmuting sex emotion by directing it through creative habits connected with your major purpose in life.” He continued in an unpublished talk from 1952, I can remember the time when even the very word “sex” couldn’t be mentioned in mixed company. As a matter of fact, that great emotion is the creative device of nature, through which she perpetuates all living species. And I have never found a great outstanding person yet, in the pulpit, in law, in medicine, in authorship, in public speaking, in art nor in any other calling that was not a highly sexed person who had learned how to transmute that great emotion into the constructive things represented with that person’s major objective in life. In the very nature of the subject, I can’t go into finer details in an audience like this, but certainly it is up to you to learn the possibilities of making use of the law of Cosmic Habit Force in transmuting that great creative emotion of nature into the things that you wish to accomplish in this life. As Hill alluded, the of topic sex transmutation is one of his most subtle and powerful teachings. It remains controversial. Even some contemporary interpreters sidestep the topic by redubbing it “enthusiasm” when reviewing Hill’s methods. But Hill was plain on the matter, writing about it first in Think and Grow Rich in 1937 and later in Think Your Way to Wealth in 1948: The emotion of sex is nature’s own source of inspiration through which she gives both men and women the impelling desire to create, build, lead, and direct. Every great artist, every great musician, and every great dramatist gives expression to the emotion of sex transmuted into human endeavor. In Hill’s outlook, the urge toward sexuality is the creative impulse of life expressing itself through the individual, just as Infinite Intelligence expresses itself through the atmosphere of the Master Mind group. But Hill also taught—and this is the inner key to sex transmutation and other ancient and modern traditions that employ the sexual urge—that sexuality goes far beyond matters of intimacy and reproduction; sexuality expresses itself in every facet of human creativity. Through this creative impulse we are driven to function as generative beings in all ways— commercially and artistically, as well as in health, trade, communication, travel, culture, and finance. Whenever you strive to actualize your visions in the world you are, he said, operating from the vital, life-building impulse that we term sexuality. Once you cultivate this awareness you can transmute the sexual urge into improved performance, focus, and insight in matters of wealth, art, or anything on which you elect to focus. The method is simplicity itself: When you experience the sexual urge, you redirect your thoughts and energies along the lines of a cherished project or piece of work. Through the mental act of redirecting yourself from physical expression to creative expression you harness and place the sexual urge at the back of your efforts. Doing so, Hill taught, adds vigor, creativity, and intellectual prowess to your work. It is important to note that Hill did not call for celibacy or the general sublimation of sexuality in its physical form. In fact, he underscored the importance of sex not only as a physical release but also for therapeutic and stress-reducing purposes, as well as a core part of intimacy. Rather, his point is that you are capable, at times of your choosing, to harness this innate life force to elevate your energies and abilities in a manner far beyond what you may consider possible. Again, this is a mental act performed privately and at moments of your selection: when you experience the sexual urge, rather than immediately satisfying it physically, you instead redirect your thoughts toward a specific goal or task. This places heightened insight, perspicacity, enthusiasm, and vigor behind your efforts. Understanding sexuality as a supraliminal force squares with Frederic Myers’ outlook on the nature of genius. Indeed, Hill argued that figures who are commonly regarded as geniuses, icons, or impresarios can rise to that level of excellence because sexual energy is at the back of their efforts. This energy is the force of creation seeking expression through us in myriad ways. Now, for the plural term geniuses, Hill used the arcane plural genii. This is significant. Genii dates to Roman-Latin usage. It means not only intellectual prowess but also suggests the Ancient Roman meaning—updated by Myers—that genius itself is a gift bestowed by higher spirits or daemons. The same term appears as jinn or genie in Arab folklore and culture, again referencing a spirit capable of possessing the individual or bestowing supernatural power. This further suggests the connection that Hill saw between numinous forces of life and the individual’s capacity for accomplishment. Let me offer a somewhat idiosyncratic but entirely real encounter with sex transmutation, one that is both recent to this writing and, by its quotidian nature, may prove broadly relevant. I maintain a small audio and video studio in my apartment, which I use for digital lectures and events. The studio is outfitted with a large set of blackout curtains so that I can control the lighting. One evening, one of my kids accidentally pulled down the curtain rods from the wall. I refastened them—with mixed results. I live in a Victorian-era home in Brooklyn and we do our best to take care of the walls, moldings, sconces, and other period details. But when remounting the curtains, I made a bit of a mess of things. The plaster is flakey, and it took me several tries to get it right. My effort was not right enough. One night—don’t ask me how—one of the kids pulled down the curtains yet again. It was too late to work on the job, so I put it off to the morning. But—and this is just one of those odd personal peccadillos that I am sure you have felt in certain areas of your own life—I was anxious and self-obsessed over the matter. For various reasons, a lot of emotion got mixed in with this: Was I properly caring for my home? Was I supervising my kids? Did I know how to adequately repair things? Would I cause harm to the features of the historic house? Every one of these things had a rational answer but I was functioning from my emotions; rationality seemed distant. As I lay awake that night, I vowed to try an experiment. Although I am no whiz at home repair, I vowed to use sex transmutation in the service of doing a killer job on reinstalling those curtains. I would not only make it right but I would repair the previous damage and secure them in a way that both honored the delicateness of the walls and created a fastening that not even King Kong could dislodge. On a rainy morning, I reentered the studio, sized up the situation, and went out to purchase spackle, anchors, and other fix-it supplies. And I simply aced it. On every count. I preserved the historical details, repaired the old damage, and securely fastened the brackets. Perhaps Michelangelo has nothing to worry about; but as an urban dweller who is caring for a private home for the first time, I stepped up. I experienced the power and energy of sex transmutation at the back of my efforts. I purposefully selected a simple—even an easily grinned at— example to make a point about applicability. Let it serve as encouragement for your own experiments of whatever nature. Appendix D Forming Your Master Mind Group By Mitch Horowitz In this appendix, I want to make a practical exploration of one of the most neglected steps in Napoleon Hill’s program of success—and one that he personally described as critical to the workability of his overall approach: maintaining a Master Mind group. In Think and Grow Rich, Hill defines the Master Mind, which he always capitalized, as: “Coordination of knowledge and effort, in a spirit of harmony, between two or more people for the attainment of a definite purpose.” Hill also used the term Master Mind on occasion to refer to a group working not toward one common goal but to accomplish the goals of each individual. In plain terms, this second type of Master Mind group is, quite simply, a support group or fellowship consisting of two or more members (but usually no more than seven to keep things wieldy), which meets at regular intervals of at least once a week to give support and advice to members on their individual goals. Depending on the nature of the group, members may also offer meditation, prayers, and mental visualization for one another’s goals in between weekly meetings. At its heart, this type of Master Mind group is a coordinated effort to explore and support one another’s purposes and needs. Hill believed that when several people regularly meet in a spirit of comity and mutual support —there can be no divisiveness in the Master Mind—it will enhance the creativity, intuition, and mental faculties of each participant. For this reason, you must select the members of your Master Mind group carefully; the key factors are personal chemistry and cooperation. Divisiveness, political arguments (always keep politics at bay), squabbling, and discursive aims will deplete the functioning of the Master Mind. I once described Think and Grow Rich in a single sentence, which could encompass all of Hill’s work: “Emotionalized thought directed toward one passionately held aim—aided by organized planning and the Master Mind— is the root of all accomplishment.” This gives you an idea of how central the Master Mind concept is in Hill’s system. “Great power,” he concluded of the Master Mind, “can be accumulated through no other principle.” The genius—and demand—of Hill’s work is that none of his steps are superfluous. Yet in today’s digitally removed world it is tempting to skip or ignore this advice. Unless you are already a member of a twelve-step or support group, you are probably accustomed to a “go it alone” approach, not wanting to share intimacies or accommodate your already-busy routine to another meeting. Many of us believe that our success is a matter of inner principle and individual effort, and a group meeting seems mawkish or extraneous. I understand those feelings—I struggle with them myself. But I can promise you, as a writer and historian who has studied Hill’s methods for years and owes his success to them, and as someone who has been a dedicated member of a Master Mind group since fall of 2013, this step is as vital today as when Hill prescribed the Master Mind in the first chapter of his first book, The Law of Success, in 1928. Another characteristic of our cyber-age is that friends and collaborators often live and work far distances apart. The members of my Master Mind group are dispersed from Southern California to New Hampshire. We structure things this way: all four participants—each possessed of supportive natures, good humor, and spiritual values—meet at a regularly designated time by conference call once a week. We begin by reading a short statement of principles, and each participant then offers a piece of personal good news from the previous week. Each member then takes a turn describing his wants and needs for the week ahead. After a caller has expressed his wants and needs, each group member suggests advice, ideas, encouragement, and may offer prayer or other forms of support during off times. Our call generally lasts thirty-to-forty-five minutes. It is important to begin the Master Mind meeting on time, to commence it immediately—eschewing small talk and preliminary chatter to respect people’s time— and to cap the meeting at an hour or less, preferably no more than 45 minutes. (Though this differs depending on group size.) This kind of discipline helps prevent drifting of attention or resentment when members are pressed by the clock or when someone may have greater free time or simply more tolerance for meetings. All of us have enough meetings in life. Most are worthless. The Master Mind, by contrast, is vital and potent; as such, its work should be precise. This collaborative alliance, if conducted with purpose and harmony, will, in time, yield extraordinary results. I can honestly say that my Master Mind group has proven one of the most helpful and dynamic aspects in my and each members’ life. Our meetings steady me when I am off course, and give me fresh perspective and an added boost to the week. There are also practical benefits, in which economic and business issues are hashed out. And there may be something more at play. “No two minds,” Hill wrote, “ever come together without, thereby, creating a third invisible, intangible force which may be likened to a third mind.” This, to him, was the “psychic” phase of the Master Mind, in which the mind may be likened to an energy that is pooled with that of others to intensify intuitions, ideas, and insights. Everyone in a Master Mind group, Hill said, gains heightened insight through the subconscious minds of all the other members. This produces a more vivid imaginative and mental state in which new ideas “flash” into your awareness, he taught. Whether you are ready to make the leap to this way of thought—I do, and I explore this more fully in the Napoleon Hill Success Course book The Power of the Master Mind—I vow to you that the Master Mind will play an invaluable and practical role in your pursuit of achievement. One evening at a Denver workshop a participant asked me the following question, which I provide here with my reply. It likely addresses your most immediate or lingering questions about finding a Master Mind group. Q: How do I find or form a Master Mind group? A: That is the big question everybody has. I was fortunate in that I was invited into my Master Mind group. It was a pre-existing group and some people I knew through my own interests in New Thought invited me into it. I joined a group that was at the time five members, and it’s undergone some different permutations, but it’s still basically the same core group. If you don’t have a Master Mind group that presents itself for you to join, you have to start your own. You can start your own with as few as two people. It’s that simple. You just need to find one other friend or colleague of similar values. Likely, you’d want to find somebody who has either read or who is interested in reading Think and Grow Rich and other works by Napoleon Hill, and who has a vested interest in mind metaphysics, in New Thought, in Unity, and programs of mental causation and PsychoCybernetics, what have you. The group can be spiritually oriented or it can be less so, maybe leaning more in a secular, business- motivational direction. Either one is fine. The only critical ingredient is group harmony. If your group is more spiritually oriented, and you are comfortable with concepts of prayer and mental visualization and affirmations, so long as everybody’s on board with that and comfortable with that and there’s nobody sitting on the bench while such things are being talked about, then you’re good to go. Again, the beautiful thing is, and I must emphasize this, it can be as few as two people. I wouldn’t go larger than seven people because that can start to get a little bit unwieldy, which was something that Napoleon Hill made note of. But, if you’ve got one other friend or colleague or collaborator of like-minded principles, you have a Master Mind group. The key thing of course, too, is that you need a regular meeting time. It can be by conference call, it can be by Skype or Zoom or what have you, and everybody should be committed to showing up on time and participating. It can’t just be something that’s treated like a casual engagement that you attend if you don’t have some more pressing business to handle. It should be like a doctor’s appointment. You wouldn’t say to your dentist, “Well, you know, I was busy.” You have an appointment and you’re expected to show up. If there are shared values, if there’s a commitment to participation, and just one other person, you have a Master Mind group. Then, you can invite in other people as time passes and you’ll be surprised when you do form your group, chances are as time goes on you will encounter people who tell you, “Hey, I’m looking to form a Master Mind group.” You and your other group members will have to decide, will this person be adding to the bonfire? Will this person be bringing logs to the fire? Because, you have to have people of similar values and to some degree, similar humor, tone, temperament. Group harmony is the vital ingredient. Napoleon Hill really emphasized that again and again. He was much less concerned with the mechanics of things like: Is the group more religious? Is the group more secular? Is the group more one way? Is the group more another way? How many people are in it?, and so on. He felt those details are all secondary, but the one absolute requirement is group harmony. About the Author NAPOLEON HILL was born in 1883 in Wise County, Virginia. He was employed as a secretary, a reporter for a local newspaper, the manager of a coalmine and a lumberyard before he began working as a journalist for Bob Taylor’s Magazine, an inspirational and general-interest monthly. As Hill told it, in 1908 the job led to his interviewing steel magnate Andrew Carnegie. The encounter changed the course of Hill’s life. Carnegie, Hill wrote, believed that success could be distilled into principles that anyone could follow, and urged Hill to interview the greatest industrialists, financiers, and inventors of the era to discover these principles. Hill accepted the challenge, which lasted more than twenty years and formed the building block for Think and Grow Rich. Hill dedicated the rest of his life to documenting and refining the principles of success. After a long career as an author, magazine publisher, lecturer, and consultant to business leaders, the motivational pioneer died in 1970 in South Carolina. The Richest Man in Babylon George S. Clason Contents Introduction: The Wisdom That Makes Money By Mitch Horowitz To the Reader Foreword Chapter 1 An Historical Sketch of Babylon Chapter 2 The Man Who Desired Gold Chapter 3 The Richest Man In Babylon Chapter 4 Seven Cures For a Lean Purse Chapter 5 The First Cure Chapter 6 The Second Cure Chapter 7 The Third Cure Chapter 8 The Fourth Cure Chapter 9 The Fifth Cure Chapter 10 The Sixth Cure Chapter 11 The Seventh Cure Chapter 12 Meet the Goddess of Good Luck Chapter 13 The Five Laws of Gold Chapter 14 The Gold Lender of Babylon Chapter 15 The Walls of Babylon Chapter 16 The Camel Trader of Babylon Chapter 17 The Clay Tablets From Babylon Chapter 18 The Luckiest Man In Babylon Appendix A: Debts Are Enemies By Mitch Horowitz Appendix B: The 13 Rules of Good Luck By Mitch Horowitz About the Author Introduction The Wisdom That Makes Money By Mitch Horowitz In an age of books that extol power and wealth, The Richest Man In Babylon stands out as a volume that promises financial freedom according to laying solid and simple plans, and following a few basic rules. The book’s lessons are as healthful and dynamic today as when the author first began writing his steps to wealth in 1926. I say this from personal experience as I have relied on them myself. “Pay yourself first” is the key lesson of George S. Clason’s guide, which he presents as a series of parables from the Mesopotamian Empire. Clason meant that you must set aside at least ten percent of your earnings in savings —now a standard principle in financial guides—and dedicate the remainder of your money to paying down debt, procuring a home or other investment properties, buying insurance, caring for your family, and only then allowing yourself to spend on life’s pleasures. His approach is one of thrift. “Every piece of gold you save is a slave to work for you,” one of his ancient characters says. He does not endorse asceticism; indeed, he wants money management approached in a spirit of joy and adventure—knowing that prudence will pay off in comfort and security. This is the aim of Clason’s rock-ribbed lessons to personal discretion and safe investment. And he got rich himself offering them. In the early twentieth century, Clason was a Denver-based publisher of maps and atlases. He published the first road atlas of the United States and Canada. In 1926, he hit upon an idea that later saved his own finances and preserved his name as one of the most popular self-help writers of the last century and our own. Clason began writing a series of pamphlets on managing personal finances, which banks, insurance companies, and brokerage houses bought in bulk and distributed free to their clients. The map-maker’s pamphlets proved so popular that in 1930 he grouped them together in a single volume, which he issued from his own publishing company. Clason Publishing did not survive the Great Depression. But The Richest Man in Babylon did—and in the years ahead it emerged as a mainstay of popular financial literature. Clason’s outlook was always ardently business-friendly. Companies that sold insurance, issued home loans, or maintained savings accounts had everything to like about it. Clason endorsed modern financial products along with a cheerful and self-sacrificing work ethic. Yet for all its institutional friendliness, Clason’s book also contains solid, principled advice. There is not a fickle or unrealistic passage in it. For me, the book’s most effective chapter is “The Camel Trader of Babylon,” which is about the imperative of paying down your debts, and the feelings of nobility that accrue to the individual who does so, even if incrementally. This principle reminds me of a passage that I read from The Talmud as a teen: “Who is evil?” a rabbi asks his students. After rumination, the answer comes: “He who borrows and does not repay.” That statement must be understood on many levels; but one cannot neglect the material one. Keep in mind that debts mean not only monetary borrowings, but also deadlines or obligations in any area of life where you’ve given your word. If you’ve vowed to complete a task, even a seemingly small domestic chore, or show up at a certain time, then do so. You’d be surprised how carefully people note such things, including your family. However you see yourself, you are evaluated and defined by your incremental workaday ethics. Whether you are aware, you also experience your own sense of performance and reliability internally; this can feed feelings of shame and anger, or of dignity and warranted rightness. It is, of course, natural to excuse yourself for those times when you feel justifiably late or in default on a commitment: aren’t there exceptions for unforeseen circumstance? Yes; but you should always be very disciplined about such cases. As a friend once put it: “The only real emergency is a medical emergency.” Consider this before you delay a debt, project, or commitment. Clason helped clarify another principle for me: You should dedicate twice as much money to your debts as to your savings. Immediately save your ten percent, he wrote; but twenty percent should go toward debt. Debt is intrinsically a drain both in terms of interest and reputation (as well as credit score). This volume is reproduced from one of the earliest extant editions of The Richest Man in Babylon and retains the author’s original spellings and word choices. I have added a small number of asterisked footnotes with historical clarifications. My Afternotes appear in chapters five to eleven, which makeup Clauson’s “Seven Cures for a Lean Purse.” I include two appendices, Debts Are Enemies and The 13 Rules of Good Luck. In the Afternotes and Appendices, I address issues that not only expand on Clason’s points but that update the book with concerns nonexistent or less pressing in the era in which he wrote it. Mitch Horowitz is a PEN Award-winning historian whose books include Occult America, One Simple Idea, The Miracle Club, Daydream Believer, Uncertain Places, and Modern Occultism. To the Reader Ahead of you stretches your future like a road leading into the distance. Along that road are ambitions you wish to accomplish … desires you wish to gratify. To bring your ambitions and desires to fulfillment, you must be successful with money. Use the financial principles made clear in the pages which follow. Let them guide you away from the stringencies of a lean purse to that fuller, happier life a full purse makes possible. Like the law of gravity, they are universal and unchanging. May they prove for you, as they have proven to so many others, a sure key to a fat purse, larger bank balances and gratifying financial progress. Lo, money is plentiful for those who understand the simple rules of its acquisition 1. Start thy purse to fattening 2. Control thy expenditures 3. Make thy gold multiply 4. Guard thy treasures from loss 5. Make of thy dwelling a profitable investment 6. Insure a future income 7. Increase thy ability to earn Foreword Our prosperity as a nation depends upon the personal financial prosperity of each of us as individuals. This book deals with the personal successes of each of us. Success means accomplishments as the result of our own efforts and abilities. Proper preparation is the key to our success. Our acts can be no wiser than our thoughts. Our thinking can be no wiser than our understanding. This book of cures for lean purses has been termed a guide to financial understanding. That, indeed, is its purpose: to offer those who are ambitious for financial success an insight which will aid them to acquire money, to keep money and to make their surpluses earn more money. In the pages which follow, we are taken back to Babylon, the cradle in which was nurtured the basic principles of finance now recognized and used the world over. To new readers the author is happy to extend the wish that its pages may contain for them the same inspiration for growing bank accounts, greater financial successes and the solution of difficult personal financial problems so enthusiastically reported by readers from coast to coast. To the business executives who have distributed these tales in such generous quantities to friends, relatives, employees and associates, the author takes this opportunity to express his gratitude. No endorsement could be higher than that of practical men who appreciate its teachings because they, themselves, have worked up to important successes by applying the very principles it advocates. Babylon became the wealthiest city of the ancient world because its citizens were the richest people of their time. They appreciated the value of money. They practiced sound financial principles in acquiring money, keeping money and making their money earn more money. They provided for themselves what we all desire … incomes for the future. —G. S. C. Chapter 1 An Historical Sketch of Babylon In the pages of history there lives no city more glamorous than Babylon. Its very name conjures visions of wealth and splendor. Its treasures of gold and jewels were fabulous. One naturally pictures such a wealthy city as located in a suitable setting of tropical luxury, surrounded by rich natural resources of forests, and mines. Such was not the case. It was located beside the Euphrates River, in a flat, arid valley. It had no forests, no mines—not even stone for building. It was not even located upon a natural trade-route. The rainfall was insufficient to raise crops. Babylon is an outstanding example of man’s ability to achieve great objectives, using whatever means are at his disposal. All of the resources supporting this large city were man developed. All of its riches were man made. Babylon possessed just two natural resources—a fertile soil and water in the river. With one of the greatest engineering accomplishments of this or any other day, Babylonian engineers diverted the waters from the river by means of dams and immense irrigation canals. Far out across that arid valley went these canals to pour the life-giving waters over the fertile soil. This ranks among the first engineering feats known to history. Such abundant crops as were the reward of this irrigation system the world had never seen before. Fortunately, during its long existence, Babylon was ruled by successive lines of kings to whom conquest and plunder were but incidental. While it engaged in many wars, most of these were local or defensive against ambitious conquerors from other countries who coveted the fabulous treasures of Babylon. The outstanding rulers of Babylon live in history because of their wisdom, enterprise and justice. Babylon produced no strutting monarchs who sought to conquer the known world that all nations might pay homage to their egotism. As a city, Babylon exists no more. When those energizing human forces that built and maintained the city for thousands of years were withdrawn, it soon became a deserted ruin. The site of the city is in Asia about six hundred miles east of the Suez Canal, just north of the Persian Gulf. The latitude is about thirty degrees above the Equator, practically the same as that of Yuma, Arizona. It possessed a climate similar to that of this American city, hot and dry. Today, this valley of the Euphrates, once a populous irrigated farming district, is again a wind-swept arid waste. Scant grass and desert shrubs strive for existence against the windblown sands. Gone are the fertile fields, the mammoth cities and the long caravans of rich merchandise. Nomadic bands of Arabs, securing a scant living by tending small herds, are the only inhabitants. Such it has been since about the beginning of the Christian era. Dotting this valley are earthen hills. For centuries, they were considered by travelers to be nothing else. The attention of archaeologists were finally attracted to them because of broken pieces of pottery and brick washed down by the occasional rainstorms. Expeditions, financed by European and American museums, were sent here to excavate and see what could be found. Picks and shovels soon proved these hills to be ancient cities. City graves, they might well be called. Babylon was one of these. Over it for something like twenty centuries, the winds had scattered the desert dust. Built originally of brick, all exposed walls had disintegrated and gone back to earth once more. Such is Babylon, the wealthy city, today. A heap of dirt, so long abandoned that no living person even knew its name until it was discovered by carefully removing the refuse of centuries from the streets and the fallen wreckage of its noble temples and palaces. Many scientists consider the civilization of Babylon and other cities in this valley to be the oldest of which there is a definite record. Positive dates have been proved reaching back 8,000 years. An interesting fact in this connection is the means used to determine these dates. Uncovered in the ruins of Babylon were descriptions of an eclipse of the sun. Modern astronomers readily computed the time when such an eclipse, visible in Babylon, occurred and thus established a known relationship between their calendar and our own. In this way, we have proved that 8,000 years ago, the Sumerites, who inhabited Babylonia, were living in walled cities. One can only conjecture for how many centuries previous such cities had existed. Their inhabitants were not mere barbarians living within protecting walls. They were an educated and enlightened people. So far as written history goes, they were the first engineers, the first astronomers, the first mathematicians, the first financiers and the first people to have a written language. Mention has already been made of the irrigation systems which transformed the arid valley into an agricultural paradise. The remains of these canals can still be traced, although they are mostly filled with accumulated sand. Some of them were of such size that, when empty of water, a dozen horses could be ridden abreast along their bottoms. In size they compare favorably with the largest canals in Colorado and Utah. In addition to irrigating the valley lands, Babylonian engineers completed another project of similar magnitude. By means of an elaborate drainage system they reclaimed an immense area of swamp land at the mouths of the Euphrates and Tigris Rivers and put this also under cultivation. Herodotus, the Greek traveler and historian, visited Babylon while it was in its prime and has given us the only known description by an outsider. His writings give a graphic description of the city and some of the unusual customs of its people. He mentions the remarkable fertility of the soil and the bountiful harvest of wheat and barley which they produced. The glory of Babylon has faded but its wisdom has been preserved for us. For this we are indebted to their form of records. In that distant day, the use of paper had not been invented. Instead, they laboriously engraved their writing upon tablets of moist clay. When completed, these were baked and became hard tile. In size, they were about six by eight inches, and an inch in thickness. These clay tablets, as they are commonly called, were used much as we use modern forms of writing. Upon them were engraved legends, poetry, history, transcriptions of royal decrees, the laws of the land, titles to property, promissory notes and even letters which were dispatched by messengers to distant cities. From these clay tablets we are permitted an insight into the intimate, personal affairs of the people. For example, one tablet, evidently from the records of a country storekeeper, relates that upon the given date a certain named customer brought in a cow and exchanged it for seven sacks of wheat, three being delivered at the time and the other four to await the customer’s pleasure. Safely buried in the wrecked cities, archaeologists have recovered entire libraries of these tablets, hundreds of thousands of them. One of the outstanding wonders of Babylon was the immense walls surrounding the city. The ancients ranked them with the great pyramid of Egypt as belonging to the “seven wonders of the world.” Queen Semiramis* is credited with having erected the first walls during the early history of the city. Modern excavators have been unable to find any trace of the original walls. Nor is their exact height known. From mention made by early writers, it is estimated they were about fifty to sixty feet high, faced on the outer side with burnt brick and further protected by a deep moat of water. The later and more famous walls were started about six hundred years before the time of Christ by King Nabopolassar.** Upon such a gigantic scale did he plan the rebuilding; he did not live to see the work finished. This was left to his son, Nebuchadnezzar,*** whose name is familiar in Biblical history. The height and length of these later walls staggers belief. They are reported upon reliable authority to have been about one hundred and sixty feet high, the equivalent of the height of a modern fifteen story office building. The total length is estimated as between nine and eleven miles. So wide was the top that a six-horse chariot could be driven around them. Of this tremendous structure, little now remains except portions of the foundations and the moat. In addition to the ravages of the elements, the Arabs completed the destruction by quarrying the brick for building purposes elsewhere. Against the walls of Babylon marched, in turn, the victorious armies of almost every conqueror of that age of wars of conquest. A host of kings laid siege to Babylon, but always in vain. Invading armies of that day were not to be considered lightly. Historians speak of such units as 10,000 horsemen, 25,000 chariots, 1,200 regiments of foot soldiers with 1,000 men to the regiment. Often two or three years of preparation would be required to assemble war materials and depots of food along the proposed line of march. The city of Babylon was organized much like a modern city. There were streets and shops. Peddlers offered their wares through residential districts. Priests officiated in magnificent temples. Within the city was an inner enclosure for the royal palaces. The walls about this were said to have been higher than those about the city. The Babylonians were skilled in the arts. These included sculpture, painting, weaving, gold working and the manufacture of metal weapons and agricultural implements. Their Jewelers created most artistic jewelry. Many samples have been recovered from the graves of its wealthy citizens and are now on exhibition in the leading museums of the world. At a very early period when the rest of the world was still hacking at trees with stone-headed axes, or hunting and fighting with flint-pointed spears and arrows, the Babylonians were using axes, spears and arrows with metal heads. The Babylonians were clever financiers and traders. So far as we know, they were the original inventors of money as a means of exchange, of promissory notes and written titles to property. Babylon was never entered by hostile armies until about 540 years before the birth of Christ. Even then the walls were not captured. The story of the fall of Babylon is most unusual. Cyrus,* one of the great conquerors of that period, intended to attack the city and hoped to take its impregnable walls. Advisors of Nabonidus,** the King of Babylon, persuaded him to go forth to meet Cyrus and give him battle without waiting for the city to be besieged. In the succeeding defeat to the Babylonian army, it fled away from the city. Cyrus, thereupon, entered the open gates and took possession without resistance. Thereafter the power and prestige of the city gradually waned until, in the course of a few hundred years, it was eventually abandoned, deserted, left for the winds and storms to level once again to that desert earth from which its grandeur had originally been built. Babylon had fallen, never to rise again, but to it civilization owes much. The eons of time have crumbled to dust the proud walls of its temples, but the wisdom of Babylon endures. Money is the medium by which earthly success is measured. Money makes possible the enjoyment of the best the earth affords. Money is plentiful for those who understand the simple laws which govern its acquisition. Money is governed today by the same laws which controlled it when prosperous men thronged the streets of Babylon, six thousand years ago. * A semi-legendary queen thought to have ruled Assyria. ** King of the second Babylon empire (c. 658—605 BC). *** Known as Nebuchadnezzar II (c. 642 BC–562 BC). * Known as Cyrus the Great (c. 600–530 BC). ** (c. 620–615 BC). Chapter 2 The Man Who Desired Gold Bansir, the chariot builder of Babylon, was thoroughly discouraged. From his seat upon the low wall surrounding his property, he gazed sadly at his simple home and the open workshop in which stood a partially completed chariot. His wife frequently appeared at the open door. Her furtive glances in his direction reminded him that the meal bag was almost empty and he should be at work finishing the chariot, hammering and hewing, polishing and painting, stretching taut the leather over the wheel rims, preparing it for delivery so he could collect from his wealthy customer. Nevertheless, his fat, muscular body sat stolidly upon the wall. His slow mind was struggling patiently with a problem for which he could find no answer. The hot, tropical sun, so typical of this valley of the Euphrates, beat down upon him mercilessly. Beads of perspiration formed upon his brow and trickled down unnoticed to lose themselves in the hairy jungle on his chest. Beyond his home towered the high terraced wall surrounding the king’s palace. Nearby, cleaving the blue heavens, was the painted tower of the Temple of Bel. In the shadow of such grandeur was his simple home and many others far less neat and well cared for. Babylon was like this—a mixture of grandeur and squalor, of dazzling wealth and direst poverty, crowded together without plan or system within the protecting walls of the city. Behind him, had he cared to turn and look, the noisy chariots of the rich jostled and crowded aside the sandaled tradesmen as well as the barefooted beggars. Even the rich were forced to turn into the gutters to clear the way for the long lines of slave water carriers, on the “King’s Business,” each bearing a heavy goatskin of water to be poured upon the hanging gardens. Bansir was too engrossed in his own problem to hear or heed the confused hubbub of the busy city. It was the unexpected twanging of the strings from a familiar lyre that aroused him from his reverie. He turned and looked into the sensitive, smiling face of his best friend—Kobbi, the musician. “May the Gods bless thee with great liberality, my good friend,” began Kobbi with an elaborate salute. “Yet, it does appear they have already been so generous thou needest not to labor. I rejoice with thee in thy good fortune. More, I would even share it with thee. Pray, from thy purse which must be bulging else thou wouldst be busy in your shop, extract but two humble shekels and lend them to me until after the noblemen’s feast this night. Thou wilt not miss them ere they are returned.” “If I did have two shekels,” Bansir responded gloomily, “to no one could I lend them—not even to you, my best of friends; for they would be my fortune—my entire fortune. No one lends his entire fortune, not even to his best friend.” “What,” exclaimed Kobbi with genuine surprise, “Thou hast not one shekel in thy purse, yet sit like a statue upon a wall! Why not complete that chariot? How else canst thou provide for thy noble appetite? Tis not like thee, my friend. Where is thy endless energy? Doth something distress thee? Have the Gods brought to thee troubles?” “A torment from the Gods it must be,” Bansir agreed. “It began with a dream, a senseless dream, in which I thought I was a man of means. From my belt hung a handsome purse, heavy with coins. There were shekels which I cast with careless freedom to the beggars; there were pieces of silver with which I did buy finery for my wife and whatever I did desire for myself; there were pieces of gold which made me feel assured of the future and unafraid to spend the silver. A glorious feeling of contentment was within me! You would not have known me for thy hardworking friend. Nor wouldst have known my wife, so free from wrinkles was her face and shining with happiness. She was again the smiling maiden of our early married days.” “A pleasant dream, indeed,” commented Kobbi, “but why should such pleasant feelings as it aroused turn thee into a glum statue upon the wall?” “Why, indeed! Because when I awoke and remembered how empty was my purse, a feeling of rebellion swept over me. Let us talk it over together, for, as the sailors do say, we ride in the same boat, we two. As youngsters, we went together to the priests to learn wisdom. As young men, we shared each other’s pleasures. As grown men, we have always been close friends. We have been contented subjects of our kind. We have been satisfied to work long hours and spend our earnings freely. We have earned much coin in the years that have passed, yet to know the joys that come from wealth, we must dream about them. Bah! Are we more than dumb sheep? We live in the richest city in all the world. The travelers do say none equals it in wealth. “About us is much display of wealth, but of it we ourselves have naught. After half a lifetime of hard labor, thou, my best of friends, hast an empty purse and sayest to me, “May I borrow such a trifle as two shekels until after the noblemen’s feast this night?” Then, what do I reply? Do I say, “Here is my purse; its contents will I gladly share?’ No, I admit that my purse is as empty as thine. What is the matter? Why cannot we acquire silver and gold— more than enough for food and robes? “Consider, also, our sons,” Bansir continued, “are they not following in the footsteps of their fathers? Need they and their families and their sons and their sons’ families live all their lives in the midst of such treasurers of gold, and yet, like us, be content to banquet upon sour goat’s milk and porridge?” “Never, in all the years of our friendship, didst thou talk like this before, Bansir.” Kobbi was puzzled. “Never in all those years did I think like this before. From early dawn until darkness stopped me, I have labored to build the finest chariots any man could make, soft-heartedly hoping some day the Gods would recognize my worthy deeds and bestow upon me great prosperity. This they have never done. At last, I realize this they will never do. Therefore, my heart is sad. I wish to be a man of means. I wish to own lands and cattle, to have fine robes and coins in my purse. I am willing to work for these things with all the strength in my back, with all the skill in my hands, with all the cunning in my mind, but I wish my labors to be fairly rewarded. What is the matter with us? “Again I ask you! Why cannot we have our just share of the good things so plentiful for those who have the gold with which to buy them?” “Would I knew an answer!” Kobbi replied. “No better than thou am I satisfied.” “My earnings from my lyre are quickly gone. Often must I plan and scheme that my family be not hungry. Also, within my breast is a deep longing for a lyre large enough that it may truly sing the strains of music that do surge through my mind. With such an instrument could I make music finer than even the king has heard before.” “Such a lyre thou shouldst have. No man in all Babylon could make it sing more sweetly; could make it sing so sweetly, not only the king but the Gods themselves would be delighted. But how mayest thou secure it while we both of us are as poor as the king’s slaves? Listen to the bell! Here they come.” He pointed to the long column of half-naked, sweating water bearers plodding laboriously up the narrow street from the river. Five abreast they marched, each bent under a heavy goatskin of water. “A fine figure of a man, he who doth lead them.” Kobbi indicated the wearer of the bell who marched in front without a load. “A prominent man in his own country, ‘tis easy to see.” “There are many good figures in the line,” Bansir agreed, “as good men as we. Tall, blond men from the north, laughing black men from the south, little brown men from the nearer countries. All marching together from the river to the gardens, back and forth, day after day, year after year. Naught of happiness to look forward to. Beds of straw upon which to sleep—hard grain porridge to eat. Pity the poor brutes, Kobbi!” “Pity them I do. Yet, thou dost make me see how little better off are we, free men though we call ourselves.” “That is truth, Kobbi, unpleasant thought though it be. We do not wish to go on year after year living slavish lives. Working, working, working! Getting nowhere.” “Might we not find out how others acquire gold and do as they do?” Kobbi inquired. “Perhaps there is some secret we might learn if we but sought from those who knew,” replied Bansir thoughtfully. “This very day,” suggested Kobbi, “I did pass our old friend, Arkad, riding in his golden chariot. This I will say, he did not look over my humble head as many in his station might consider his right. Instead, he did wave his hand that all onlookers might see him pay greetings and bestow his smile of friendship upon Kobbi, the musician.” “He is claimed to be the richest man in all Babylon,” Bansir mused. “So rich the king is said to seek his golden aid in affairs of the treasury,” Kobbi replied. “So rich,” Bansir interrupted, “I fear if I should meet him in the darkness of the night, I should lay my hands upon his fat wallet.” “Nonsense,” reproved Kobbi, “a man’s wealth is not in the purse he carries. A fat purse quickly empties if there be no golden stream to refill it. Arkad has an income that constantly keeps his purse full, no matter how liberally he spends.” “Income, that is the thing,” ejaculated Bansir. “I wish an income that will keep flowing into my purse whether I sit upon the wall or travel to far lands. Arkad must know how a man can make an income for himself. Dost suppose it is something he could make clear to a mind as slow as mine?” “Methinks he did teach his knowledge to his son, Nomasir,” Kobbi responded. “Did he not go to Nineveh and, so it is told at the inn, become, without aid from his father, one of the richest men in that city?” “Kobbi, thou bringest to me a rare thought.” A new light gleamed in Bansir’s eyes. “It costs nothing to ask wise advice from a good friend and Arkad was always that. Never mind though our purses be as empty as the falcon’s nest of a year ago. Let that not detain us. We are weary of being without gold in the midst of plenty. We wish to become men of means. Come, let us go to Arkad and ask how we, also, may acquire incomes for ourselves.” “Thou speakest with true inspiration, Bansir. Thou bringeth to my mind a new understanding. “Thou makest me to realize the reason why we have never found any measure of wealth. We never sought it. Thou hast labored patiently to build the staunchest chariots in Babylon. To that purpose was devoted your best endeavors. Therefore, at it thou didst succeed. I strove to become a skillful lyre player. And, at it I did succeed. “In those things toward which we exerted our best endeavors we succeeded. “The Gods were content to let us continue thus. Now, at last, we see a light, bright like that from the rising sun. It biddeth us to learn more that we may prosper more. With a new understanding we shall find honourable ways to accomplish our desires.” “Let us go to Arkad this very day,” Bansir urged. “Also, let us ask other friends of our boyhood days, who have fared no better than ourselves, to join us that they, too, may share in his wisdom.” “Thou wert ever thus thoughtful of thy friends, Bansir. Therefore hast thou many friends. It shall be as thou sayest. We go this day and take them with us.” Chapter 3 The Richest Man In Babylon In old Babylon there once lived a certain very rich man named Arkad. Far and wide he was famed for his great wealth. Also was be famed for his liberality. He was generous in his charities. He was generous with his family. He was liberal in his own expenses. But nevertheless each year his wealth increased more rapidly than he spent it. And there were certain friends of younger days who came to him and said: “You, Arkad, are more fortunate than we. You have become the richest man in all Babylon while we struggle for existence. You can wear the finest garments and you can enjoy the rarest foods, while we must be content if we can clothe our families in raiment that is presentable and feed them as best we can. “Yet, once we were equal. We studied under the same master. We played in the same games. And in neither the studies nor the games did you outshine us. And in the years since, you have been no more an honorable citizen than we. “Nor have you worked harder or more faithfully, insofar as we can judge. Why, then, should a fickle fate single you out to enjoy all the good things of life and ignore us who are equally deserving?” Thereupon Arkad remonstrated with them, saying, “If you have not acquired more than a bare existence in the years since we were youths, it is because you either have failed to learn the laws that govern the building of wealth, or else you do not observe them. “‘Fickle Fate’ is a vicious goddess who brings no permanent good to anyone. On the contrary, she brings ruin to almost every man upon whom she showers unearned gold. She makes wanton spenders, who soon dissipate all they receive and are left beset by overwhelming appetites and desires they have not the ability to gratify. Yet others whom she favors become misers and hoard their wealth, fearing to spend what they have, knowing they do not possess the ability to replace it. They further are beset by fear of robbers and doom themselves to lives of emptiness and secret misery. ‘Fickle Fate’ is a vicious goddess who brings no permanent good to anyone. “Others there probably are, who can take unearned gold and add to it and continue to be happy and contented citizens. But so few are they, I know of them but by hearsay. Think you of the men who have inherited sudden wealth, and see if these things are not so. His friends admitted that of the men they knew who had inherited wealth these words were true, and they besought him to explain to them how he had become possessed of so much prosperity, so he continued: “In my youth I looked about me and saw all the good things there were to bring happiness and contentment. And I realized that wealth increased the potency of all these. “Wealth is a power. With wealth many things are possible. “One may ornament the home with the richest of furnishings. “One may sail the distant seas. “One may feast on the delicacies of far lands. “One may buy the ornaments of the gold worker and the stone polisher. “One may even build mighty temples for the Gods. “One may do all these things and many others in which there is delight for the senses and gratification for the soul. “And, when I realized all this, I decided to myself that I would claim my share of the good things of life. I would not be one of those who stand afar off, enviously watching others enjoy. I would not be content to clothe myself in the cheapest raiment that looked respectable. I would not be satisfied with the lot of a poor man. On the contrary, I would make myself a guest at this banquet of good things. “Being, as you know, the son of a humble merchant, one of a large family with no hope of an inheritance, and not being endowed, as you have so frankly said, with superior powers or wisdom, I decided that if I was to achieve what I desired, time and study would be required. “As for time, all men have it in abundance. You, each of you, have let slip by sufficient time to have made yourselves wealthy. Yet, you admit; you have nothing to show except your good families, of which you can be justly proud. As for time, all men have it in abundance. “As for study, did not our wise teacher teach us that learning was of two kinds: the one kind being the things we learned and knew, and the other being the training that taught us how to find out what we did not know? “Therefore did I decide to find out how one might accumulate wealth, and when I had found out, to make this my task and do it well. For, is it not wise that we should enjoy while we dwell in the brightness of the sunshine, for sorrows enough shall descend upon us when we depart for the darkness of the world of spirit? “I found employment as a scribe in the hall of records, and long hours each day I labored upon the clay tablets. Week after week, and month after month, I labored, yet for my earnings I had naught to show. Food and clothing and penance to the gods, and other things of which I could remember not what, absorbed all my earnings. But my determination did not leave me. Learning is of two kinds: the one being the things we learned and knew and the other being the training that taught us how to find out what we did not know. “And one day Algamish, the money lender, came to the house of the city master and ordered a copy of the Ninth Law, and he said to me, ‘I must have this in two days, and if the task is done by that time, two coppers will I give to thee.’ “So I labored hard, but the law was long, and when Algamish returned the task was unfinished. He was angry, and had I been his slave, he would have beaten me. But knowing the city master would not permit him to injure me, I was unafraid, so I said to him, ‘Algamish, you are a very rich man. Tell me how I may also become rich, and all night I will carve upon the clay, and when the sun rises it shall be completed.’ “He smiled at me and replied, ‘You are a forward knave, but we will call it a bargain.’ “All that night I carved, though my back pained and the smell of the wick made my head ache until my eyes could hardly see. But when he returned at sunup, the tablets were complete. “‘Now,’ I said, ‘tell me what you promised.’ “‘You have fulfilled your part of our bargain, my son,’ he said to me kindly, ‘and I am ready to fulfill mine. I will tell you these things you wish to know because I am becoming an old man, and an old tongue loves to wag. And when youth comes to age for advice he receives the wisdom of years. But too often does youth think that age knows only the wisdom of days that are gone, and therefore profits not. But remember this: the sun that shines today is the sun that shone when thy father was born, and will still be shining when thy last grandchild shall pass into the darkness.’ “‘The thoughts of youth,’ he continued, ‘are bright lights that shine forth like the meteors that oft make brilliant the sky, but the wisdom of age is like the fixed stars that shine so unchanged that the sailor may depend upon them to steer his course.’ “‘Mark you well my words, for if you do not you will fail to grasp the truth that I will tell you, and you will think that your night’s work has been in vain.’ “Then he looked at me shrewdly from under his shaggy brows and said in a low, forceful tone, ‘I found the road to wealth when I decided that a part of all I earned was mine to keep. And so will you.’ “Then he continued to look at me with a glance that I could feel pierce me but said no more. “‘Is that all?’ I asked. “‘That was sufficient to change the heart of a sheep herder into the heart of a money lender,’ he replied. “‘But all I earn is mine to keep, is it not?’ I demanded. “‘Far from it,’ he replied. ‘Do you not pay the garment-maker? Do you not pay the sandal-maker? Do you not pay for the things you eat? Can you live in Babylon without spending? What have you to show for your earnings of the past mouth? What for the past year? Fool! You pay to everyone but yourself. Dullard, you labor for others. As well be a slave and work for what your master gives you to eat and wear. If you did keep for yourself one-tenth of all you earn, how much would you have in ten years?’ “My knowledge of the numbers did not forsake me, and I answered, ‘As much as I earn in one year.’ “‘You speak but half the truth,’ he retorted. ‘Every gold piece you save is a slave to work for you. Every copper it earns is its child that also can earn for you. If you would become wealthy, then what you save must earn, and its children must earn, that all may help to give to you the abundance you crave.’ “‘You think I cheat you for your long night’s work,’ he continued, ‘but I am paying you a thousand times over if you have the intelligence to grasp the truth I offer you.’ “‘A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn. It can be as much more as you can afford. Pay yourself first. Do not buy from the clothes-maker and the sandal-maker more than you can pay out of the rest and still have enough for food and charity and penance to the gods.’ “‘Wealth, like a tree, grows from a tiny seed. The first copper you save is the seed from which your tree of wealth shall grow. The sooner you plant that seed the sooner shall the tree grow. And the more faithfully you nourish and water that tree with consistent savings, the sooner may you bask in contentment beneath its shade.’” “So saying, he took his tablets and went away. “I thought much about what he had said to me, and it seemed reasonable. So I decided that I would try it. Each time I was paid I took one from each ten pieces of copper and hid it away. And strange as it may seem, I was no shorter of funds, than before. I noticed little difference as I managed to get along without it. But often I was tempted, as my hoard began to grow, to spend it for some of the good things the merchants displayed, brought by camels and ships from the land of the Phoenicians. But I wisely refrained. “A twelfth month after Algamish had gone he again returned and said to me, ‘Son, have you paid to yourself not less than one-tenth of all you have earned for the past year?’ “I answered proudly, ‘Yes, master, I have.’ ‘That is good,’ he answered beaming upon me, ‘and what have you done with it?’ “‘I have given it to Azmur, the brick maker, who told me he was traveling over the far seas and in Tyre he would buy for me the rare jewels of the Phoenicians. When he returns we shall sell these at high prices and divide the earnings.’ “‘Every fool must learn,’ he growled, ‘but why trust the knowledge of a brick maker about jewels? Would you go to the bread maker to inquire about the stars? No, by my tunic, you would go to the astrologer, if you had power to think. Your savings are gone, youth, you have jerked your wealth-tree up by the roots. But plant another. Try again. And next time if you would have advice about jewels, go to the jewel merchant. If you would know the truth about sheep, go to the herdsman. Advice is one thing that is freely given away, but watch that you take only what is worth having. He who takes advice about his savings from one who is inexperienced in such matters, shall pay with his savings for proving the falsity of their opinions.’ Saying this, he went away. “And it was as he said. For the Phoenicians are scoundrels and sold to Azmur worthless bits of glass that looked like gems. But as Algamish had bid me, I again saved each tenth copper, for I now had formed the habit and it was no longer difficult. “Again, twelve months later, Algamish came to the room of the scribes and addressed me. “‘What progress have you made since last I saw you?’ “‘I have paid myself faithfully,’ I replied, ‘and my savings I have entrusted to Agger the shield maker, to buy bronze, and each fourth month he does pay me the rental.’ “‘That is good. And what do you do with the rental?’ “‘I do have a great feast with honey and fine wine and spiced cake. Also I have bought me a scarlet tunic. And some day I shall buy me a young ass upon which to ride.’ To which Algamish laughed, ‘You do eat the children of your savings. Then how do you expect them to work for you?’ “‘And how can they have children that will also work for you?’ “‘First get thee an army of golden slaves and then many a rich banquet may you enjoy without regret.’ So saying he again went away. “Nor did I again see him for two years, when he once more returned and his face was full of deep lines and his eyes drooped, for he was becoming a very old man. And he said to me, ‘Arkad, hast thou yet achieved the wealth thou dreamed of?’ “And I answered, ‘Not yet all that I desire, but some I have and it earns more, and its earnings earn more.’ “‘And do you still take the advice of brick makers?’ “‘About brick making they give good advice,’ I retorted. “‘Arkad,’ he continued, ‘you have learned your lessons well. You first learned to live upon less than you could earn. Next you learned to seek advice from those who were competent through their own experiences to give it. And, lastly, you have learned to make gold work for you.’ “‘You have taught yourself how to acquire money, how to keep it, and how to use it. Therefore, you are competent for a responsible position. I am becoming an old man. My sons think only of spending and give no thought to earning. My interests are great and I fear too much for me to look after. If you will go to Nippur and look after my lands there, I shall make you my partner and you shall share in my estate.’ “So I went to Nippur and took charge of his holdings, which were large. And because I was full of ambition and because I had mastered the three laws of successfully handling wealth, I was enabled to increase greatly the value of his properties. “So I prospered much, and when the spirit of Algamish departed for the sphere of darkness, I did share in his estate as he had arranged under the law.” So spake Arkad, and when he had finished his tale, one of his friends said, “You were indeed fortunate that Algamish made of you an heir.” “Fortunate only in that I had the desire to prosper before I first met him. For four years did I not prove my definiteness of purpose by keeping onetenth of all earned? Would you call a fisherman lucky who for years so studied the habits of the fish that with each changing wind he could cast his nets about them? Opportunity is a haughty goddess who wastes no time with those who are unprepared.” “You had strong will power to keep on after you lost your first year’s savings. You are unusual in that way,” spoke up another. “Will power!” retorted Arkad. “What nonsense. Do you think will power gives a man the strength to lift a burden the camel cannot carry, or to draw a load the oxen cannot budge? Will power is but the unflinching purpose to carry a task you set for yourself to fulfillment. If I set for myself a task, be it ever so trifling, I shall see it through. How else shall I have confidence in myself to do important things? Should I say to myself, ‘For a hundred days as I walk across the bridge into the city, I will pick from the road a pebble and cast it into the stream,’ I would do it. “If on the seventh day I passed by without remembering, I would not say to myself, ‘Tomorrow I will cast two pebbles which will do as well.’ Instead, I would retrace my steps and cast the pebble. Nor on the twentieth day would I say to myself, ‘Arkad, this is useless. What does it avail you to cast a pebble every day? Throw in a handful and be done with it.’ No, I would not say that nor do it. When I set a task for myself, I complete it. “Therefore, I am careful not to start difficult and impractical tasks, because I love leisure.” And then another friend spoke up and said, “If what you tell is true, and it does seem as you have said, reasonable, then being so simple, if all men did it, there would not be enough wealth to go around.” “Wealth grows wherever men exert energy,” Arkad replied. “If a rich man builds him a new palace, is the gold he pays out gone? No, the brick maker has part of it and the laborer has part of it, and the artist has part of it. And everyone who labors upon the house has part of it. Yet when the palace is completed, is it not worth all it cost? And is the ground upon which it stands not worth more because it is there? And is the ground that adjoins it not worth more because it is there? Wealth grows in magic ways. No man can prophesy the limit of it. Have not the Phoenicians built great cities on barren coasts with the wealth that comes from their ships of commerce on the seas?” Wealth grows wherever men exert energy. “What then do you advise us to do that we also may become rich?” asked still another of his friends. “The years have passed and we are no longer young men and we have nothing put by.” “I advise that you take the wisdom of Algamish and say to yourselves, ‘A part of all I earn is mine to keep.’ Say it in the morning when you first arise. Say it at noon. Say it at night. Say it each hour of every day. Say it to yourself until the words stand out like letters of fire across the sky. “Impress yourself with the idea. Fill yourself with the thought. Then take whatever portion seems wise. Let it be not less than one-tenth and lay it by. Arrange your other expenditures to do this if necessary. But lay by that portion first. Soon you will realize what a rich feeling it is to own a treasure upon which you alone have claim. As it grows it will stimulate you. A new joy of life will thrill you. “Greater efforts will come to you to earn more. For of your increased earnings, will not the same percentage be also yours to keep? “Then learn to make your treasure work for you. Make it your slave. Make its children and its children’s children work for you. “Insure an income for thy future. Look thou at the aged and forget not that in the days to come thou also will be numbered among them. Therefore invest thy treasure with greatest caution that it be not lost. Usurious rates of return are deceitful sirens that sing but to lure the unwary upon the rocks of loss and remorse. Insure an income for thy future. “Provide also that thy family may not want should the Gods call thee to their realms. For such protection it is always possible to make provision with small payments at regular intervals. Therefore the provident man delays not in expectation of a large sum becoming available for such a wise purpose. Provide also that thy family may not want s hould the Gods call thee to their realms. “Counsel with wise men. Seek the advice of men whose daily work is handling money. Let them save you from such an error as I myself made in entrusting my money to the judgment of Azmur, the brick maker. A small return and a safe one is far more desirable than risk. Counsel with wise men. “Enjoy life while you are here. Do not overstrain or try to save too much. If one-tenth of all you earn is as much as you can comfortably keep, be content to keep this portion. Live otherwise according to your income and let not yourself get niggardly and afraid to spend. Life is good and life is rich with things worthwhile and things to enjoy.” Enjoy life while you are here. His friends thanked him and went away. Some were silent because they had no imagination and could not understand. Some were sarcastic because they thought that one so rich should divide with old friends not so fortunate. But some had in their eyes a new light. They realized that Algamish had come back each time to the room of the scribes because he was watching a man work his way out of darkness into light. When that man had found the light, a place awaited him. No one could fill that place until he had for himself worked out his own understanding, until he was ready for opportunity. These latter were the ones, who, in the following years, frequently revisited Arkad, who received them gladly. He counseled with them and gave them freely of his wisdom as men of broad experience are always glad to do. And he assisted them in so investing their savings that it would bring in a good interest with safety and would neither be lost nor entangled in investments that paid no dividends. The turning point in these men’s lives came upon that day when they realized the truth that had come from Algamish to Arkad and from Arkad to them. A Part of All You Earn Is Yours to Keep. Chapter 4 Seven Cures For a Lean Purse The glory of Babylon endures. Down through the ages its reputation comes to us as the richest of cities, its treasures as fabulous. Yet it was not always so. The riches of Babylon were the results of the wisdom of its people. They first had to learn how to become wealthy. When the Good King, Sargon, returned to Babylon after defeating his enemies, the Elamites, he was confronted with a serious situation. The Royal Chancellor explained it to the King thus: “After many years of great prosperity brought to our people because your majesty built the great irrigation canals and the mighty temples of the Gods, now that these works are completed the people seem unable to support themselves. “The laborers are without employment. The merchants have few customers. The farmers are unable to sell their produce. The people have not enough gold to buy food.” “But where has all the gold gone that we spent for these great improvements?” demanded the King. “It has found its way, I fear,” responded the Chancellor, “into the possession of a few very rich men of our city. It filtered through the fingers of most our people as quickly as the goat’s milk goes through the strainer. Now that the stream of gold has ceased to flow, most of our people have nothing to show for their earnings.” The King was thoughtful for some time. Then he asked, “Why should so few men be able to acquire all the gold?” “Because they know how,” replied the Chancellor. “One may not condemn a man for succeeding because he knows how. Neither may one with justice take away from a man what he has fairly earned, to give to men of less ability.” “But why,” demanded the King, “should not all the people learn how to accumulate gold and therefore become themselves rich and prosperous?” “Quite possible, your excellency. But who can teach them? Certainly not the priests, because they know naught of money making.” “Who knows best in all our city how to become wealthy, Chancellor?” asked the King. “Thy question answers itself, your majesty. Who has amassed the greatest wealth in Babylon?” “Well said, my able Chancellor. It is Arkad. He is richest man in Babylon. Bring him before me on the morrow.” Upon the following day, as the King had decreed, Arkad appeared before him, straight and sprightly despite his three score years and ten. “Arkad,” spoke the King, “is it true thou art the richest man in Babylon?” “So it is reported, your majesty, and no man disputes it.” “How becamest thou so wealthy?” “By taking advantage of opportunities available to all citizens of our good city.” “Thou hadst nothing to start with?” “Only a great desire for wealth. Besides this, nothing.” “Arkad,” continued the King, “our city is in a very unhappy state because a few men know how to acquire wealth and therefore monopolize it, while the mass of our citizens lack the knowledge of how to keep any part of the gold they receive. “It is my desire that Babylon be the wealthiest city in the world. Therefore, it must be a city of many wealthy men. Therefore, we must teach all the people how to acquire riches. Tell me, Arkad, is there any secret to acquiring wealth? Can it be taught?” “It is practical, your majesty. That which one man knows can be taught to others.” The king’s eyes glowed. “Arkad, thou speaketh the words I wish to hear. Wilt thou lend thyself to this great cause? Wilt thou teach thy knowledge to a school for teachers, each of whom shall teach others until there are enough trained to teach these truths to every worthy subject in my domain?” Arkad bowed and said, “I am thy humble servant to command. Whatever knowledge I possess will I gladly give for the betterment of my fellowmen and the glory of my King. Let your good chancellor arrange for me a class of one hundred men and I will teach to them those seven cures which did fatten my purse, than which there was none leaner in all Babylon.” A fortnight later, in compliance with the King’s command, the chosen hundred assembled in the great hall of the Temple of Learning, seated upon colorful rings in a semicircle. Arkad sat beside a small taboret upon which smoked a sacred lamp sending forth a strange and pleasing odor. “Behold the richest man in Babylon,” whispered a student, nudging his neighbor as Arkad arose. “He is but a man even as the rest of us.” “As a dutiful subject of our great King,” Arkad began, “I stand before you in his service. “Because once I was a poor youth who did greatly desire gold, and because I found knowledge that enabled me to acquire it, he asks that I impart unto you my knowledge. “I started my fortune in the humblest way. I had no advantage not enjoyed as fully by you and every citizen in Babylon. “The first storehouse of my treasure was a well-purse. I loathed its useless emptiness. I desired it be round and full, clinking with the sound of gold. Therefore, I sought every remedy for a lean purse. I found seven. “To you, who are assembled before me, shall I explain the seven cures for a lean purse which I do recommend to all men who desire much gold. Each day for seven days will I explain to you one of the seven remedies. “Listen attentively to the knowledge that I will impart. Debate it with me. Discuss it among yourselves. Learn these lessons thoroughly, that ye may also plant in your own purse the seed of wealth. First must each of you start wisely to build a fortune of his own. Then wilt thou be competent, and only then, to teach these truths to others. “I shall teach to you in simple ways how to fatten your purses. This is the first step leading to the temple of wealth, and no man may climb who cannot plant his feet firmly upon the first step. “We shall now consider the first cure.” Chapter 5 The First Cure: Start Thy Purse to Fattening Arkad addressed a thoughtful man in the second row. “My good friend, at what craft workest thou?” “I,” replied the man, “am a scribe and carve records upon the clay tablets.” “Even at such labor did I myself earn my first coppers. Therefore, thou hast the same opportunity to build a fortune.” He spoke to a florid-faced man, farther back. “Pray tell also what dost thou to earn thy bread?” “I,” responded this man, “am a meat butcher. I do buy the goats the farmers raise and kill them and sell the meat to the housewives and the hides to the sandal makers.” “Because thou dost also labor and earn, thou hast every advantage to succeed that I did possess.” In this way did Arkad proceed to find out how each man labored to earn his living. When he had done questioning them, he said: “Now, my students, ye can see that there are many trades and labors at which men may earn coins. Each of the ways of earning is a stream of gold from which the worker doth divert by his labors a portion to his own purse. Therefore into the purse of each of you flows a stream of coins large or small according to his ability. Is it not so?” Thereupon they agreed that it was so. “Then,” continued Arkad, “if each of you desireth to build for himself a fortune, is it not wise to start by utilizing that source of wealth which he already has established?” To this they agreed. Then Arkad turned to a humble man who had declared himself an egg merchant. “If thou select one of thy baskets and put into it each morning ten eggs and take out from it each evening nine eggs, what will eventually happen?” “It will become in time overflowing.” “Why?” “Because each day I put in one more egg than I take out.” Arkad turned to the class with a smile. “Does any man here have a lean purse?” First they looked amused. Then they laughed. Lastly they waved their purses in jest. “All right,” he continued, “Now I shall tell thee the first remedy I learned to cure a lean purse. “Do exactly as I have suggested to the egg merchant. For every ten coins thou placest within thy purse take out for use but nine. Thy purse will start to fatten at once and its increasing weight will feel good in thy hand and bring satisfaction to thy soul. “Deride not what I say because of its simplicity. Truth is always simple. I told thee I would tell how I built my fortune. This was my beginning. I, too, carried a lean purse and cursed it because there was naught within to satisfy my desires. But when I began to take out from my purse but nine parts of ten I put in, it began to fatten. So will thine. Truth is always simple. “Now I will tell a strange truth, the reason for which I know not. When I ceased to pay out more than nine-tenths of my earnings, I managed to get along just as well. I was not shorter than before. Also, ere long, did coins come to me more easily than before. Surely it is a law of the Gods that unto him who keepeth and spendeth not a certain part of all his earnings, shall gold come more easily. “Likewise, him whose purse is empty does gold avoid. “Which desirest thou the most? Is it the gratification of thy desires of each day, a jewel, a bit of finery, better raiment, more food; things quickly gone and forgotten? Or is it substantial belongings, gold, lands, herds, merchandise, income-bringing investments? The coins thou takest from thy purse bring the first. The coins thou leavest within it will bring the latter. “This, my students, was the first cure I did discover for my lean purse: ‘For each ten coins I put in, to spend but nine.’ Debate this amongst yourselves. If any man proves it untrue, tell me upon the morrow when we shall meet again.” It is a law of the Gods that unto him who keepeth and spendeth not a certain part of all his earnings, shall gold come more easily. Afternote “Pay yourself first” is the foundational commandment of The Richest Man in Babylon. You must set aside at least ten percent of your income into savings as soon as you’re paid. If you work in a corporate job, taxes are probably already withheld. If you are a contractor or freelancer, I advise subtracting this ten percent from the remaining net of your income after you have subtracted thirty percent for taxes. And never neglect withholding that thirty percent; in time, it will bring you greater peace of mind than you may imagine, whether you pay taxes quarterly or at the year’s end. This ten-percent savings can be higher but Clason recognized that the figure is unlikely to be missed from your income. It is a significant but manageable sum. (I recognize that during times of crisis such a sum may, in fact, be missed, or sometimes prove unmanageable. I address this in Appendix A: Debts Are Enemies.) This practice fulfills the principle of accumulation. One of Clason’s characters observes: Every gold piece you save is a slave to work for you. Every copper it earns is its child that also can earn for you. If you would become wealthy, then what you save must earn, and its children must earn, that all may help to give to you the abundance you crave … A part of all you earn is yours to keep. It should be not less than a tenth no matter how little you earn. It can be as much more as you can afford. Pay yourself first. Do not buy from the clothes-maker and the sandal-maker more than you can pay out of the rest. Wealth, like a tree, grows from a tiny seed. The first copper you save is the seed from which your tree of wealth shall grow. The sooner you plant that seed the sooner shall the tree grow. And the more faithfully you nourish and water that tree with consistent savings, the sooner may you bask in contentment beneath its shade. No matter your obligations, Clason advises, set aside this ten percent—just as though it is a vital, nonnegotiable expense like rent or mortgage. It is your hallowed payment to yourself, no more to be bargained away than a monthly bill you regard as basic to your existence. As Clason writes, “A part of all you earn is yours to keep.” —MH Chapter 6 The Second Cure: Control Thy Expenditures “Some of your members, my students, have asked me this: How can a man keep one-tenth of all he earns in his purse when all the coins he earns are not enough for his necessary expenses?” So did Arkad address his students upon the second day. “Yesterday how many of thee carried lean purses?” “All of us,” answered the class. “Yet, thou do not all earn the same. Some earn much more than others. Some have much larger families to support. Yet, all purses were equally lean. Now I will tell thee an unusual truth about men and sons of men. It is this; that what each of us calls our ‘necessary expenses’ will always grow to equal our incomes unless we protest to the contrary. “Confuse not the necessary expenses with thy desires. Each of you, together with your good families, have more desires than your earnings can gratify. Therefore are thy earnings spent to gratify these desires insofar as they will go. Still thou retainest many ungratified desires. Confuse not the necessary expenses with thy desires. “All men are burdened with more desires than they can gratify. Because of my wealth thinkest thou I may gratify every desire? ‘Tis a false idea. There are limits to my time. There are limits to my strength. There are limits to the distance I may travel. There are limits to what I may eat. There are limits to the zest with which I may enjoy. All men are burdened with more desires than they can gratify. “I say to you that just as weeds grow in a field wherever the farmer leaves space for their roots, even so freely do desires grow in men whenever ther.e is a possibility of their being gratified. Thy desires are a multitude and those that thou mayest gratify are but few. “Study thoughtfully thy accustomed habits of living. Herein may be most often found certain accepted expenses that may wisely be reduced or eliminated. Let thy motto be one hundred percent of appreciated value demanded for each coin spent. Study thoughtfully thy accustomed habits of living. “Therefore, engrave upon the clay each thing for which thou desireth to spend. Select those that are necessary and others that are possible through the expenditure of nine-tenths of thy income. Cross out the rest and consider them but a part of that great multitude of desires that must go unsatisfied and regret them not. “Budget then thy necessary expenses. Touch not the one-tenth that is fattening thy purse. Let this be thy great desire that is being fulfilled. Keep working with thy budget; keep adjusting it to help thee. Make it thy first assistant in defending thy fattening purse.” Hereupon one of the students, wearing a robe of red and gold, arose and said, “I am a free man. I believe that it is my right to enjoy the good things of life. Therefore do I rebel against the slavery of a budget which determines just how much I may spend and for what. I feel it would take much pleasure from my life and make me little more than a pack-ass to carry a burden.” To him Arkad replied, “Who, my friend, would determine thy budget?” “I would make it for myself,” responded the protesting one. “In that case were a pack-ass to budget his burden would he include therein jewels and rugs and heavy bars of gold? Not so. He would include hay and grain and a bag of water for the desert trail. “The purpose of a budget is to help thy purse to fatten. It is to assist thee to have thy necessities and, insofar as attainable, thy other desires. It is to enable thee to realize thy most cherished desires by defending them from thy casual wishes. Like a bright light in a dark cave thy budget shows up the leaks from thy purse and enables thee to stop them and control thy expenditures for definite and gratifying purposes. “This, then, is the second cure for a lean purse. Budget thy expenses that thou mayest have coins to pay for thy necessities, to pay for thy enjoyments and to gratify thy worthwhile desires without spending more than nine-tenths of thy earnings.” Afternote One of Clason’s character’s makes a key observation: “All men are burdened with more desires than they can gratify.” You will never find yourself in a position where you can buy whatever you want. This is true of even the very rich. I personally knew of a famous author who grew extremely wealthy writing popular thrillers. Yet he was always filled with financial dissatisfaction. He would look across the golf course in the development where he lived and see the home of a tech magnate that was larger than his. This author possessed more than most people could dream of but his psyche was burdened with a sense of lack. On a publicity tour, he even made a media escort pay for a cup of coffee that he bought from a street cart. That’s not someone who enjoys wealth but who fears lack. The point I am trying to make is that budget-setting and acknowledging limits may seem like a dreary or depriving act; but every one of us, even the very wealthy, must make peace with some form of financial limit. No one gets to buy everything he sees or wants. Although a certain minimum of income is necessary for happiness, our desires tend to rise in tandem with our earnings. Clason summed up this situation with two aphorisms: 1) “That which each of us calls our ‘necessary expenses’ will always grow equal to our incomes unless we protest to the contrary.” 2) “Confuse not the necessary expenses with thy desires.” As alluded, budgeting is an act about which we all feel conflicted. We wish for the good things in life and limits always seem like having to get up from a meal without your hunger abated. But this predicament is often a matter of perspective. Here is one of Clason’s most penetrating passages: Each of you, together with your good families, have more desires than your earnings can gratify. Therefore are thy earnings spent to gratify these desires insofar as they will go. Still thou retainest many ungratified desires. All men are burdened with more desires than they can gratify. Because of my wealth thinkest thou I may gratify every desire? There are limits to my time. There are limits to my strength. There are limits to the distance I may travel. There are limits to what I may eat. There are limits to the zest with which I may enjoy. I say to you that just as weeds grow in a field wherever the farmer leaves space for their roots, even so freely do desires grow in men whenever there is a possibility of their being gratified. Thy desires are a multitude and those that thou mayest gratify are but few. Study thoughtfully thy accustomed habits of living. Herein may be most often found certain accepted expenses that may wisely be reduced or eliminated. Let thy motto be one hundred percent of appreciated value demanded for each coin spent. Therefore, engrave upon the clay each thing for which thou desireth to spend. Select those that are necessary and possible through the expenditure of nine-tenths of thy income. Cross out the rest and consider them but a part of that great multitude of desires that must go unsatisfied and regret them not. Budget then thy necessary expenses. Touch not the one-tenth that is fattening thy purse. Let this be thy great desire that is being fulfilled. Remember: the purpose of a budget is to help thy purse to fatten. It is to assist thee to have thy necessities and, insofar as attainable, thy other desires. It is to enable thee to realize thy most cherished desires by defending them from thy casual wishes. Like a bright light in a dark cave thy budget shows up the leaks from thy purse and enables thee to stop them and control thy expenditures for definite and gratifying purposes. This, then, is the second cure for a lean purse. Budget thy expenses that thou mayest have coins to pay for thy necessities, to pay for thy enjoyments, and to gratify thy worthwhile desires without spending more than nine-tenths of thy earnings. In Appendix A: Debts Are Enemies, I revisit the question of specific expenses—and which ones work for and against you. —MH Chapter 7 The Third Cure: Make Thy Gold Multiply Behold thy lean purse is fattening. Thou hast disciplined thyself to leave therein one-tenth of all thou earneth. Thou hast controlled thy expenditures to protect thy growing treasure. Next, we will consider means to put thy treasure to labor and to increase. Gold in a purse is gratifying to own and satisfieth a miserly soul but earns nothing. The gold we may retain from our earnings is but the start. “The earnings it will make shall build our fortunes.” So spoke Arkad upon the third day to his class. “How therefore may we put our gold to work? My first investment was unfortunate, for I lost all. Its tale I will relate later. My first profitable investment was a loan I made to a man named Aggar, a shield maker. Once each year did he buy large shipments of bronze brought from across the sea to use in his trade. Lacking sufficient capital to pay the merchants, he would borrow from those who had extra coins. He was an honorable man. His borrowing he would repay, together with a liberal rental, as he sold his shields. “Each time I loaned to him I loaned back also the rental he had paid to me. Therefore not only did my capital increase, but its earnings likewise increased. Most gratifying was it to have these sums return to my purse. “I tell you, my students, a man’s wealth is not in the coins he carries in his purse; it is the income he buildeth, the golden stream that continually floweth into his purse and keepeth it always bulging. That is what every man desireth. That is what thou, each one of thee, desireth; an income that continueth to come whether thou work or travel. “Great income I have acquired. So great that I am called a very rich man. My loans to Aggar were my first training in profitable investment. Gaining wisdom from this experience, I extended my loans and investments as my capital increased. From a few sources at first, from many sources later, flowed into my purse a golden stream of wealth available for such wise uses as I should decide. “Behold, from my humble earnings I had begotten a hoard of golden slaves, each laboring and earning more gold. As they labored for me, so their children also labored and their children’s children until great was the income from their combined efforts. “Gold increaseth rapidly when making reasonable earnings as thou wilt see from the following: “A farmer, when his first son was born, took ten pieces of silver to a money lender and asked him to keep it on rental for his son until he became twenty years of age. This the money lender did, and agreed the rental should be one fourth of its value each four years. The farmer asked, because this sum he had set aside as belonging to his son, that the rental be add to the principal. “When the boy had reached the age of twenty years, the farmer again went to the money lender to inquire about the silver. The money lender explained that because this sum had been increased by compound interest, the original ten pieces of silver had now grown to thirty and one-half pieces. “The farmer was well pleased and because the son did not need the coins, he left them with the money lender. When the son became fifty years of age, the father meantime having passed to the other world, the money lender paid the son in settlement one hundred and sixty-seven pieces of silver. “Thus in fifty years had the investment multiplied itself at rental almost seventeen times. “This, then, is the third cure for a lean purse: to put each coin to laboring that it may reproduce its kind even as the flocks of the field and help bring to thee income, a stream of wealth that shall flow constantly into thy purse.” Afternote Clason advises you to “put each coin to laboring.” By this he means not just sitting on your savings but dedicating them to sound and safe investments. In that vein, I want to share a personal story. I once visited the home of a successful financier for Thanksgiving. Many of the people seated around the table were financial analysts, investors, and denizens of Wall Street. I said the following: “I want to put a question to you financial wizards—and I want you to be completely frank with me. For more than twenty years, I have invested in nothing other than index funds —and not only have my long-term returns been outstanding but I have found that they surpass the returns I’ve heard about in various hedge funds managed by industry superstars. Am I correct that over time index funds do better than virtually all other structured funds?” Each one agreed. If you work in a corporate job with access to a 401k account— especially with employer matches—I urge you to max out contributing the legal limit or work your way up to it. I did this for many years in a publishing job and it made all the difference in my financial life. A Roth IRA is also a greatly useful tool. When contributing to investment accounts, my advice, which speaks to Clason’s need for sound, safe investment, is to rely on index funds, which generally rebound even following severe economic downturns. During the Covid crisis in spring of 2020 my S&P 500 index fund lost nearly half its value. It was harrowing. But by the year’s end it had more than made up all of the lost ground. I cannot warrant that such rebounds will continue open-endedly but that kind of recovery has been my experience during two financial meltdowns: the mortgage crash of 2008 and the Covid lockdown of 2020–2021. As noted in the next chapter, Clason cautions that you must avoid investing in fields or funds of which you know little. Writing on the eve of and during the Great Depression, he had an allergy to any kind of financial speculation. I have witnessed people lose their money—as well as their emotional and ethical compass points—by venturing into seemingly exciting fields, including tech and media, without appropriate research, background, and understanding, as well as willingness to put in due diligence. The time to learn sailing is not when on you’re the open seas . —MH Chapter 8 The Fourth Cure: Guard Thy Treasures from Loss “Misfortune loves a shining mark. Gold in a man’s purse must be guarded with firmness, else it be lost. Thus it is wise that we must first secure small amounts and learn to protect them before the Gods entrust us with larger.” So spoke Arkad upon the fourth day to his class. “Every owner of gold is tempted by opportunities whereby it would seem that he could make large sums by its investment in most plausible projects. Often friends and relatives are eagerly entering such investment and urge him to follow. “The first sound principle of investment is security for thy principal. Is it wise to be intrigued by larger earnings when thy principal may be lost? I say not. The penalty of risk is probable loss. Study carefully, before parting with thy treasure, each assurance that it may be safely reclaimed. Be not misled by thine own romantic desires to make wealth rapidly. “Before thou loan it to any man assure thyself of his ability to repay and his reputation for doing so, that thou mayest not unwittingly be making him a present of thy hard-earned treasure. “Before thou entrust it as an investment in any field acquaint thyself with the dangers which may beset it. “My own first investment was a tragedy to me at the time. The guarded savings of a year I did entrust to a brick maker, named Azmur, who was traveling over the far seas and in Tyre agreed to buy for me the rare jewels of the Phoenicians. These we would sell upon his return and divide the profits. The Phoenicians were scoundrels and sold him bits of glass. My treasure was lost. Today, my training would show to me at once the folly of entrusting a brick maker to buy jewels. “Therefore, do I advise thee from the wisdom of my experiences: be not too confident of thine own wisdom in entrusting thy treasures to the possible pitfalls of investments. Better by far to consult the wisdom of those experienced in handling money for profit. Such advice is freely given for the asking and may readily possess a value equal in gold to the sum thou considerest investing. In truth, such is its actual value if it save thee from loss. “This, then, is the fourth cure for a lean purse and of great importance if it prevent thy purse from being emptied once it has become well filled. Guard thy treasure from loss by investing only where thy principal is safe, where it may be reclaimed if desirable, and where thou will not fail to collect a fair rental. Consult with wise men. Secure the advice of those experienced in the profitable handling of gold. Let their wisdom protect thy treasure from unsafe investments.” Afternote Most of us believe in our ability to identify unsafe investments or unsound collaborators. Tough experience has taught me the insufficiency of this confidence. Predatory investors or business partners usually take advantage of us by exploiting weaknesses that we do not always see, such as blinding ambition or the wish for a quick fix or by first gaining our trust in other areas of life. Sometimes even a business collaborator with whom we’ve fruitfully worked for years can reveal different colors if that person experiences an addiction, emotional breakdown, or financial crisis. I’ve known seasoned businesspeople who are shocked to discover that a longtime partner has been suddenly or incrementally deceiving them. When the reality comes to light, it creates so great a break with perception that the victim cannot immediately digest it. When digestion eventually occurs, and damage is assessed and mitigated, the betrayal itself may remain partly undigested, perhaps for a lifetime. This is understandable. The feeling that someone you trusted and shared intimacies with could also behave with duplicity may be impossible to fully accept. In high school, an acting teacher of mine had a motto that he drilled into students: never trust anyone. For years, I resisted it, thinking it cynical or overly broad. Looking back, however, I realize that he was right. Withholding trust does not mean walking around with an attitude of suspicion. Indeed, too much suspicion is emotionally off-putting and harms your ability to form good relationships. The point, rather, is to verify everything put in front of you, including routine contracts or agreements from people with whom you’ve previously worked. In matters of trust, you cannot afford to overlook details or count on others to do the right thing. One of the maladies of human nature is that we see our own traits in others. We project them. Hence, an ethical person is likely to see others as such. While a dishonest person not only sees his or her motives in others but experiences another’s honesty as weakness or a trick. This is why we are rarely as perceptive as we believe. A lawyer from South Africa once told me that a contract cannot protect you—it can only mitigate loss once damage has begun. In fact, she said, if you even need to return to looking at your contract after signature, the likelihood is that something is already wrong. This attorney—someone with broad experience in the government sector— said that she valued a handshake more than a contract (though not as a substitute for one) because your feeling about whether someone is ethical is likelier to ensure your protection than a contract. “People are either honest or they’re not,” she said. I respect this—but only to a point. Due to all the factors previously mentioned, I have made the mistake of misjudging bad players as good. It is necessary to continually vet your judgment. I used to consider it gauche or unsavory to research people before doing business with them. Looking back, I can hardly believe my naivete. Simply because someone tells you that he or she held a particular job or logged certain accomplishments does not mean that it is true. Sadly, people lie all the time about their records. Those who do so effectively are often very likeable. What con artist isn’t? A filmmaker friend of mine said, “The difference between a crook and a con artist is that a con artist thinks long term.” This means that con artists or predatory personalities are often intellectually and emotionally sophisticated. They may sustain periods of friendship and even intimacy for months or years: for as long as the arrangement delivers what they need. Despite simulation of bonding, however, this person does not experience empathy or live by ethics. Hence, the burden falls on you, if you are to avoid or at least minimize such contacts (and they abound), to take on the additional time commitment of examining and vetting claims, reviewing documents, and seeking references. One thing I’ve learned: actions repeat. A single falsehood or act of bad faith usually begats another. If you have cause for doubt, honor it. As I write in Appendix B: The 13 Rules of Good Luck, “Enthusiasm coupled with watchful wariness forms a potent combination.” —MH Chapter 9 The Fifth Cure: Make of Thy Dwelling a Profitable Investment “If a man setteth aside nine parts of his earnings upon which to live and enjoy life, and if any part of this nine parts he can turn into a profitable investment without detriment to his wellbeing, then so much faster will his treasures grow.” So spake Arkad to his class at their fifth lesson. “All too many of our men of Babylon do raise their families in unseemly quarters. They do pay to exacting landlords liberal rentals for rooms where their wives have not a spot to raise the blooms that gladden a woman’s heart and their children have no place to play their games except in the unclean alleys. “No man’s family can fully enjoy life unless they do have a plot of ground wherein children can play in the clean earth and where the wife may raise not only blossoms but good rich herbs to feed her family. “To a man’s heart it brings gladness to eat the figs from his own trees and the grapes of his own vines. To own his own domicile and to have it a place he is proud to care for, putteth confidence in his heart and greater effort behind all his endeavors. Therefore, do I recommend that every man own the roof that sheltereth him and his. “Nor is it beyond the ability of any well intentioned man to own his home. Hath not our great king so widely extended the walls of Babylon that within them much land is now unused and may be purchased at sums most reasonable? “Also I say to you, my students, that the money lenders gladly consider the desires of men who seek homes and land for their families. Readily may thou borrow to pay the brick maker and the builder for such commendable purposes, if thou can show a reasonable portion of the necessary sum which thou thyself hath provided for the purpose. “Then when the house be built, thou canst pay the money lender with the same regularity as thou didst pay the landlord. Because each payment will reduce thy indebtedness to the money lender, a few years will satisfy his loan. “Then will thy heart be glad because thou wilt own in thy own right a valuable property and thy only cost will be the king’s taxes. “Also wilt thy good wife go more often to the river to wash thy robes, that each time returning she may bring a goatskin of water to pour upon the growing things. “Thus come many blessings to the man who owneth his own house. And greatly will it reduce his cost of living, making available more of his earnings for pleasures and the gratification of his desires. This, then, is the fifth cure for a lean purse: Own thy own home.” Afternote In terms of residence, owning versus buying is the perennial debate. Clason came down firmly on the principle of home ownership and vested equity. “Make of thy dwelling a profitable investment,” he wrote. On a related note, the mortgage crisis that triggered the Great Recession of 2008 ought to make every consumer wary of too-good-tobe-true credit and mortgage offers. In the years leading up to that crisis, speculators, predatory lenders, and short-sighted banking officers and loan guarantors issued millions of unsustainable mortgages, sometimes with deceptively low introductory rates, and often with foreknowledge that borrowers would prove unable to repay them. Predatory lenders and financial giants then bunched these poison loans into securities products to be sold, traded, and gambled on. This included gambling on their failure. The market literally incentivized failure and mass suffering on the part of American consumers. The resulting losses nearly toppled the nation’s banking system and created waves of foreclosures, evictions, and home abandonment on a scale that I do not believe we as a nation have fully come to terms with emotionally, financially, legally, and ethically. Mortgages are wonderful tools but they must be approached with care and fiscal conservatism. When I was a child, my father started a new business simultaneous to our moving into a new home, made enticingly affordable by mortgage rates. The business failed and we entered years of financial nightmare, almost losing our home. Excessive expansion is the single-greatest cause of financial failure among most businesses and this is a crisis for individuals, too. Never attempt to expand on two fronts at once. I am an urban dweller who rents rather than owns. Am I breaking Clason’s rule? To some degree, yes. But financial analysts are divided on the matter. The benefits of owning a home that increases in value under a thirty-year mortgage are plain and undeniable. And yet … some argue that housing costs are never a free ride, and that you are, under almost every circumstance, going to sustain a net outflow of expenses for the financing and maintenance of a home. Hence, renting may not be the money-suck that it first appears, especially if you’re using your money and household productively in other ways. For example, during the Covid lockdown many of us worked from home. This may prove an enduring trend. As a writer, working from home has long been part of my life. It is vital to claim appropriate tax deductions for household space and utilities that facilitate working from home. Never neglect that. It is also important to watch carefully for the manner in which employers may allow, encourage—or even require—employees to work from home. Think of it: it’s a great deal for employers. You’re providing and upkeeping the space, often the technology, and almost always the utilities and maintenance. Indeed, we are poised for a new era in which employees effectively function as uncompensated landlords to their employers. If this continues—and on some scale it almost certainly will —new laws, protections, and tax deductions will be required to meet this shift in work life. If you’re like me, you probably have little faith that legislation benefiting the wage-earning employee will arrive in a complete way; hence, it is vital to understand and exercise current tax laws that recognize the value you invest in your home-work setup. A home often doubles as a workplace. You should benefit from both. —MH Chapter 10 The Sixth Cure: Insure a Future Income “The life of every man proceedeth from his childhood to his old age. This is the path of life and no man may deviate from it unless the Gods call him prematurely to the world beyond. Therefore do I say that it behooves a man to make preparation for a suitable income in the days to come, when he is no longer young, and to make preparations for his family should he be no longer with them to comfort and support them. This lesson shall instruct thee in providing a full purse when time has made thee less able to learn.” So Arkad addressed his class upon the sixth day. “The man, who because of his understanding of the laws of wealth, acquireth a growing surplus, should give thought to those future days. He should plan certain investments or provision that may endure safely for many years, yet will be available when the time arrives which he has so wisely anticipated. “There are diverse ways by which a man may provide with safety for his future. He may provide a hiding place and there bury a secret treasure. Yet, no matter with what skill it be hidden, it may nevertheless become the loot of thieves. For this reason I recommend not this plan. “A man may buy houses or lands for this purpose. If wisely chosen as to their usefulness and value in the future, they are permanent in their value and their earnings or their sale will provide well for his purpose. “A man may loan a small sum to the money lender and increase it at regular periods. The rental which the money lender adds to this will largely add to its increase. I do know a sandal maker, named Ansan, who explained to me not long ago that each week for eight years he had deposited with his money lender two pieces of silver. The money lender had but recently given him an accounting over which he greatly rejoiced. The total of his small deposits with their rental at the customary rate of one-fourth their value for each four years, had now become a thousand and forty pieces of silver. “I did gladly encourage him further by demonstrating to him with my knowledge of the numbers that in twelve years more, if he would keep his regular deposits of but two pieces of silver each week, the money lender would then owe him four thousand pieces of silver, a worthy competence for the rest of his life. “Surely, when such a small payment made with regularity doth produce such profitable results, no man can afford not to insure a treasure for his old age and the protection of his family, no matter how prosperous his business and his investments may be. “I would that I might say more about this. In my mind rests a belief that some day wise-thinking men will devise a plan to insure against death whereby many men pay in but a trifling sum regularly, the aggregate making a handsome sum for the family of each member who passeth to the beyond. This do I see as something desirable and which I could highly recommend. But today it is not possible because it must reach beyond the life of any man or any partnership to operate. It must be as stable as the King’s throne. Some day do I feel that such a plan shall come to pass and be a great blessing to many men, because even the first small payment will make available a snug fortune for the family of a member should he pass on. “But because we live in our own day and not in the days which are to come, must we take advantage of those means and ways of accomplishing our purposes. Therefore do I recommend to all men, that they, by wise and well thought out methods, do provide against a lean purse in their mature years. For a lean purse to a man no longer able to earn or to a family without its head is a sore tragedy. “This, then, is the sixth cure for a lean purse. Provide in advance for the needs of thy growing age and the protection of thy family.” Afternote When facing the financial future, many of us experience fear. Clason addresses the topic of money and fear only indirectly. But I think the role of fear in personal finance requires amplification and exploration. The fact is, many of us grew up with—and are controlled by—fearful attitudes around money. This is natural. No human quality other than sexuality is fraught with greater or more complex emotions than money. That is why we are often prone to irrational actions around money, including massive debt spending or the breaking of family ties and friendships over financial disputes. Emotion rules money. That is a core truth of life. As such, fear often controls us in areas of money management, earnings, debt, and a sense of financial security. This can cloud our decision-making and spoil our enthusiasm for life. I write these words from experience. I grew up in a childhood home devastated by financial crisis and it marked me ever after. Yet in adulthood I also came to realize that fear—unless calling attention to a legitimate need for safety at times of crisis—rarely produces sound judgment or responses relating to money or anything else. In actuality, fear is the greatest barrier to your personal progress and capacity for action. Procrastination itself is a type of fear and is probably the most common (and overlooked) form that fear takes. As you begin any new undertaking you are, at one point or another, likely to find yourself palpably gripped by fear. Depending on your nature, you may experience this constantly, or at least more often than you would like. You may also experience the paralysis of fear when confronting financial decisions or problems. At a certain point, nearly everyone does. My wish is that you use crisis as a goad to action. “Opposition is true Friendship,” wrote poet William Blake (1757- 1827). We grow only when challenged. But we cannot grow if fear dominates us. In that vein, I am providing a condensation of Napoleon Hill’s immensely important advice on fear from his 1937 Think and Grow Rich. Whenever you feel plagued by fear, including in the middle of the night or the early hours of the morning when you should be sleeping, I ask you to reflect on this short passage. (There may be times I’m doing it with you.) It is the absolute truth. Let it serve as a beacon to guide you through corridors of fear. If you find this passage useful, write it down, hang it up someplace you can see it—and share it. Fear should never be bargained with or capitulated to. It takes the appeal from your personality, destroys the possibility of accurate thinking, diverts concentration of effort, stifles persistence, turns your willpower into nothingness, erases ambition, clouds your memory, and invites failure in every conceivable form. Fear kills love, assassinates the finer emotions of the heart, discourages friendship, and leads to sleeplessness, misery, and unhappiness. So pernicious and destructive is the emotion of fear that it is, almost literally, worse than anything that can befall you. If you suffer from a fear of poverty, reach a decision to get along with whatever wealth you can accumulate WITHOUT WORRY. If you fear the loss of love, reach a decision to get along without love, if that becomes necessary. If you experience a general sense of worry, reach a blanket decision that nothing life has to offer is worth the price of fear. This places Ultimate Truth at your back. And remember: The greatest of all remedies for fear is a BURNING DESIRE FOR ACHIEVEMENT, backed by useful action in pursuit of your aim. —MH Chapter 11 The Seventh Cure: Increase Thy Ability to Earn This day do I speak to thee, my students, of one of the most vital remedies for a lean purse. Yet, I will talk not of gold but of yourselves, of the men beneath the robes of many colors who do sit before me. I will talk to you of those things within the minds and lives of men which do work for or against their success.” So did Arkad address his class upon the seventh day. “Not long ago came to me a young man seeking to borrow. When I questioned him the cause of his necessity, he complained that his earnings were insufficient to pay his expenses. Thereupon I explained to him, this being the case, he was a poor customer for the money lender, as he possessed no surplus earning capacity to repay the loan. “‘What you need, young man,’ I told him, ‘is to earn more coins. What dost thou to increase thy capacity to earn?’ “‘All that I can do,’” he replied. ‘Six times within two moons have I approached my master to request my pay be increased, but without success. No man can go oftener than that.’ “We may smile at his simplicity, yet he did possess one of the vital requirements to increase his earnings. Within him was a strong desire to earn more, a proper and commendable desire. “Preceding accomplishment must be desire. Thy desires must be strong and definite. General desires are but weak longings. For a man to wish to be rich is of little purpose. For a man to desire five pieces of gold is a tangible desire which he can press to fulfillment. After he has backed his desire for five pieces of gold with strength of purpose to secure it, next he can find similar ways to obtain ten pieces and then twenty pieces and later a thousand pieces and, behold, he has become wealthy. In learning to secure his one definite small desire, he hath trained himself to secure a larger one. This is the process by which wealth is accumulated: first in small sums, then in larger ones as a man learns and becomes more capable. Preceding accomplishment must be desire. Thy desires must be strong and definite. “Desires must be simple and definite. They defeat their own purpose should they be too many, too confusing, or beyond a man’s training to accomplish. “As a man perfecteth himself in his calling even so doth his ability to earn increase. In those days when I was a humble scribe carving upon the clay for a few coppers each day, I observed that other workers did more than I and were paid more. Therefore, did I determine that I would be exceeded by none. Nor did it take long for me to discover the reason for their greater success. More interest in my work, more concentration upon my task, more persistence in my effort, and, behold, few men could carve more tablets in a day than I. With reasonable promptness my increased skill was rewarded, nor was it necessary for me to go six times to my master to request recognition. “The more of wisdom we know, the more we may earn. That man who seeks to learn more of his craft shall be richly rewarded. If he is an artisan, he may seek to learn the methods and the tools of those most skillful in the same line. If he laboreth at the law or at healing, he may consult and exchange knowledge with others of his calling. If he be a merchant, he may continually seek better goods that can be purchased at lower prices. “Always do the affairs of man change and improve because keen-minded men seek greater skill that they may better serve those upon whose patronage they depend. Therefore, I urge all men to be in the front rank of progress and not to stand still, lest they be left behind. “Many things come to make a man’s life rich with gainful experiences. Such things as the following, a man must do if he respect himself: “He must pay his debts with all the promptness within his power, not purchasing that for which he is unable to pay. “He must take care of his family that they may think and speak well of him. He must make a will of record that, in case the Gods call him, proper and honorable division of his property be accomplished. “He must have compassion upon those who are injured and smitten by misfortune and aid them within reasonable limits. He must do deeds of thoughtfulness to those dear to him. “Thus the seventh and last remedy for a lean purse is to cultivate thy own powers, to study and become wiser, to become more skillful, to so act as to respect thyself. Thereby shalt thou acquire confidence in thy self to achieve thy carefully considered desires. “These then are the seven cures for a lean purse, which, out of the experience of a long and successful life, I do urge for all men who desire wealth. There is more gold in Babylon, my students, than thou dreamest of. There is abundance for all. “Go thou forth and practice these truths that thou mayest prosper and grow wealthy, as is thy right. “Go thou forth and teach these truths that every honorable subject of his majesty may also share liberally in the ample wealth of our beloved city.” He must pay his debts with all the promptness within his power, not purchasing that for which he is unable to pay. Afternote In 2020, I was touched by the candor of a therapist on Twitter who tweeted: “As a therapist I can say confidently, that while therapy is helpful, what most people really need is money.” Given that the number of retweets exceeded 100,000, her honesty clearly resonated with a lot of people. There were also vocal critics. I personally considered her statement an important acknowledgment. Clason, too, noted that sometimes—in fact, often—people simply need more money. I see three steps in his outlook on how to earn more. They are simple. But look twice at them. It is only when you apply or live with a seemingly simple idea that its greater dimensions become clear. That is why cynics rarely get at the truth of things. They see simplicity as naiveté. Simplicity is the language of truth. Here are Clauson’s three steps: 1. You must sincerely and powerfully desire to earn more. Doesn’t everyone? Well, not exactly. This does not mean an unspecified wish to “get rich.” Or a “sure, why not?” attitude. It means a burning and specific desire to increase your earning ability. And be precise: how much do you want to earn and how? Don’t vacillate. Name an amount. For help in this area, I recommend reading Napoleon Hill’s Think and Grow Rich. If you’ve already read it, read it again. I reread it once a year. I often advise readers to do its exercises as though their lives depend on it. If you do, things will change for the better. 2. One victory naturally leads to another. What you do on a micro scale can be repeated on a macro scale. “As above, so below,” goes the Hermetic dictum. One act of earning extra money teaches you your capability and generally leads to more. Don’t overshoot and get disappointed. Be focused, clear, and active. When you succeed you will have discovered a steppingstone. 3. Cultivate skill and excellence. This principle encompasses many things. You must not only do a job well and expeditiously, but you must keep up with the technology of your field. This is not always easy for me. I am tech-shy. But I impel myself to stay current. When I fall behind, I strive to make up for it. Another thing that cultivates excellence is sobriety. Like many people, I enjoy booze and other intoxicants. But they can disrupt sleep patterns, foster lethargy, and contribute to negative or obsessive thoughts. Even if temporarily, stop drinking or using recreational drugs when you want to earn more. It’s a real help and it’s entirely in your hands. Here is a further ingredient to excellence and reputation: pay your debts quickly, especially to contractors and freelancers. Such an act fosters comity and loyalty. Those people depend on your timely payment as you do on your weekly paycheck. Pay them quickly and they become allies in your efforts. In further probing how to earn more money, I find important lessons in Ralph Waldo Emerson’s 1860 essay “Wealth.” The philosopher outlined roughly three steps to accumulating money: 1) First, filling some nonnegotiable, subsistence-level need in your own life: this is what drove the primeval farmers, hunter-gathers, and villagers. 2) Next, applying one’s particular talents to the surrounding environment and expansively filling the needs of others. If you do not know or understand your talents, you must start there before anything is possible. Your particular talent is a source of excellence. And, finally, 3) using your wealth for the purposes of productiveness: paying down debts, making compound investments, and procuring the tools and training of your trade. Building and expanding are the only sound ways to amass money. And such efforts reflect your code and fiber as a progressing being. Also, when offered opportunities to earn, act decisively. Do not dither. I was once offered a massive book contract for which I felt unprepared. I quickly caught myself and said yes. It was one of the best decisions of my life. Growing up, my mother told me never to refuse business. That was sound advice. I am absolutely shocked when I see storeowners, managers, or contractors turn away business. Actually turn away people who want to pay them for a service and who need their service. I saw this occur even during the Covid recession. In Brooklyn, New York, where I live, I witnessed computer and bicycle stores turn away customers—or shun them by requiring weeks-long waits—rather than expand, hire new people (a greatly productive thing to do for your community, especially during a recession), and embrace new business. To me, refusing work is one of the most deleterious of practices. There is always an excuse to say no. Seldom a good one. Do not be that person. Cultivation of excellence and purpose is so important, and was to Clason, that I want to return to the question from a different angle. In 1854, the pioneering scientist and germ theorist Louis Pasteur said in a lecture: “In the fields of observation chance favors only the prepared mind.” This statement has been popularly—and, I think, accurately— shortened into: “Chance favors the prepared mind.” If you want to foster earning opportunities in your life, make it your motto. (I return to this principle in Appendix B: The 13 Rules of Good Luck.) Chance opportunities are useful only to those who are prepared for them—and the greater the preparation the more fully you will be able to take advantage of them when they arrive. Preparation means training, studying, reliability, keeping your word, and showing up ready to perform whatever task you face. It heightens all of the other chance factors around you; it ensures that you’ll be in the right mental state to notice, receive, and profit from opportunities. That’s why I don’t believe in opportunities arriving “out of the blue.” Opportunities require context. Dale Carnegie, author of the motivational classic How to Win Friends and Influence People, began his career in the early twentieth century as a teacher of public speaking. A former actor, Carnegie understood that public speaking was becoming a vital business skill in the years following World War I. When preparing for a talk or pitch, Carnegie advised that you should amass so much material that you discard ninety percent of it when actually speaking. The very fact of your preparation gives you confidence and power to speak without notes, and to deliver a relaxed, enthusiastic, and freestyle performance. Carnegie’s formula is a recipe for good outcomes in every area of life. Once you are justifiably confident and expert in a task or project, you can watch, listen, intuit, and become cognizant of important cues. Ardent preparation makes you persuasive. Your actions are natural and effortless. You can pivot. You exude confidence. When opportunities appear before you, such as a job opening, audition, call to present on the fly at a conference, or even being seated next to your boss or a senior manager on an airplane, the prepared person will be able to seize that golden moment. —MH Chapter 12 Meet the Goddess of Good Luck* “If a man be lucky, there is no foretelling the possible extent of his good fortune. Pitch him into the Euphrates and like as not he will swim out with a pearl in his hand.” —BABYLONIAN PROVERB. The desire to be lucky is universal. It was just as strong in the breasts of men four thousand years ago in ancient Babylon as it is in the hearts of men today. We all hope to be favored by the whimsical Goddess of Good Luck. Is there some way we can meet her and attract, not only her favorable attention, but her generous favors? Is there a way to attract good luck? That is just what the men of ancient Babylon wished to know. It is exactly what they decided to find out. They were shrewd men and keen thinkers. That explains why their city became the richest and most powerful city of their time. In that distant past, they had no schools or colleges. Nevertheless they had a center of learning and a very practical one it was. Among the towered buildings in Babylon was one that ranked in importance with the Palace of the King, the Hanging Gardens and the temples of the Gods. You will find scant mention of it in the history books, more likely no mention at all, yet it exerted a powerful influence upon the thought of that time. This building was the Temple of Learning where the wisdom of the past was expounded by voluntary teachers and where subjects of popular interest were discussed in open forums. Within its walls all men met as equals. The humblest of slaves could dispute with impunity the opinions of a prince of the royal house. Among the many who frequented the Temple of Learning, was a wise rich man named Arkad, called the richest man in Babylon. He had his own special hall where almost any evening a large group of men, some old, some very young, but mostly middle-aged, gathered to discuss and argue interesting subjects. Suppose we listen in to see whether they knew how to attract good luck. The sun had just set like a great red ball of fire shining through the haze of desert dust when Arkad strolled to his accustomed platform. Already full four score men were awaiting his arrival, reclining on their small rugs spread upon the floor. More were still arriving. “What shall we discuss this night?” Arkad inquired. After a brief hesitation, a tall cloth weaver addressed him, arising as was the custom. “I have a subject I would like to hear discussed yet hesitate to offer lest it seem ridiculous to you, Arkad, and my good friends here.” Upon being urged to offer it, both by Arkad and by calls from the others, he continued: “This day I have been lucky, for I have found a purse in which there are pieces of gold. To continue to be lucky is my great desire. Feeling that all men share with me this desire, I do suggest we debate how to attract good luck that we may discover ways it can be enticed to one.” “A most interesting subject has been offered,” Arkad commented, “one most worthy of our discussion. To some men, good luck bespeaks but a chance happening that, like an accident, may befall one without purpose or reason. Others do believe that the instigator of all good fortune is our most bounteous goddess, Ashtar, ever anxious to reward with generous gifts those who please her. Speak up, my friends, what say you, shall we seek to find if there be means by which good luck may be enticed to visit each and all of us?” “Yea! Yea! And much of it!” responded the growing group of eager listeners. Thereupon Arkad continued, “To start our discussion, let us first hear from those among us who have enjoyed experiences similar to that of the cloth weaver in finding or receiving, without effort upon their part, valuable treasures or jewels.” There was a pause in which all looked about expecting someone to reply but no one did. “What, no one?” Arkad said, “Then rare indeed must be this kind of good luck. Who now will offer a suggestion as to where we shall continue our search?” “That I will do,” spoke a well-robed young man, arising. “When a man speaketh of luck is it not natural that his thoughts turn to the gaming tables? Is it not there we find many men courting the favor of the goddess in hope she will bless them with rich winnings?” As he resumed his seat a voice called, “Do not stop! Continue thy story! Tell us, didst thou find favor with the goddess at the gaming tables? Did she turn the cubes with red side up so thou filled thy purse at the dealer’s expense or did she permit the blue sides to come up so the dealer raked in thy hard-earned pieces of silver?” The young man joined the good-natured laughter, then replied, “I am not averse to admitting she seemed not to know I was even there. But how about the rest of you? Have you found her waiting about such places to roll the cubes in your favor? We are eager to hear as well as to learn.” “A wise start,” broke in Arkad. “We meet here to consider all sides of each question. To ignore the gaming table would be to overlook an instinct common to most men, the love of taking a chance with a small amount of silver in the hope of winning much gold.” “That doth remind me of the races but yesterday,” called out another listener. “If the goddess frequents the gaming tables, certainly she dost not overlook the races where the gilded chariots and the foaming horses offer far more excitement. Tell us honestly, Arkad, didst she whisper to you to place your bet upon those grey horses from Nineveh yesterday? I was standing just behind thee and could scarce believe my ears when I heard thee place thy bet upon the greys. Thou knowest as well as any of us that no team in all Assyria can beat our beloved bays in a fair race. “Didst the goddess whisper in thy ear to bet upon the greys because at the last turn the inside black would stumble and so interfere with our bays that the greys would win the race and score an unearned victory?” Arkad smiled indulgently at the banter. “What reason have we to feel the good goddess would take that much interest in any man’s bet upon a horse race? To me she is a goddess of love and dignity whose pleasure it is to aid those who are in need and to reward those who are deserving. I look to find her not at the gaming tables or the races where men lose more gold than they win but in other places where the doings of men are more worthwhile and more worthy of reward. “In tilling the soil, in honest trading, in all of man’s occupations, there is opportunity to make a profit upon his efforts and his transactions. Perhaps not all the time will he be rewarded because sometimes his judgment may be faulty and other times the winds and the weather may defeat his efforts. Yet, if he persists, he may usually expect to realize his profit. This is so because the chances of profit are always in his favor. “But, when a man playeth the games, the situation is reversed for the chances of profit are always against him and always in favor of the game keeper. The game is so arranged that it will always favor the keeper. It is his business at which he plans to make a liberal profit for himself from the coins bet by the players. Few players realize how certain are the game keeper’s profits and how uncertain are their own chances to win. “For example, let us consider wagers placed upon the cube. Each time it is cast we bet which side will be uppermost. If it be the red side the game master pays to us four times our bet. But if any other of the five sides come uppermost, we lose our bet. Thus the figures show that for each cast we have five chances to lose, but because the red pays four for one, we have four chances to win. In a night’s play the game master can expect to keep for his profit one-fifth of all the coins wagered. Can a man expect to win more than occasionally against odds so arranged that he should lose one-fifth of all his bets?” “Yet some men do win large sums at times,” volunteered one of the listeners. “Quite so, they do,” Arkad continued. “Realizing this, the question comes to me whether money secured in such ways brings permanent value to those who are thus lucky. Among my acquaintances are many of the successful men of Babylon, yet among them I am unable to name a single one who started his success from such a source. “You who are gathered here tonight know many more of our substantial citizens. To me it would be of much interest to learn how many of our successful citizens can credit the gaming tables with their start to success. Suppose each of you tell of those you know. What say you?” After a prolonged silence, a wag ventured, “Wouldst thy inquiry include the game keepers?” “If you think of no one else,” Arkad responded. “If not one of you can think of anyone else, then how about yourselves? Are there any consistent winners with us who hesitate to advise such a source for their incomes?” His challenge was answered by a series of groans from the rear taken up and spread amid much laughter. “It would seem we are not seeking good luck in such places as the goddess frequents,” he continued. “Therefore let us explore other fields. We have not found it in picking up lost wallets. Neither have we found it haunting the gaming tables. As to the races, I must confess to have lost far more coins there than I have ever won. “Now, suppose we consider our trades and businesses. Is it not natural if we conclude a profitable transaction to consider it not good luck but a just reward for our efforts? I am inclined to think we may be overlooking the gifts of the goddess. Perhaps she really does assist us when we do not appreciate her generosity. Who can suggest further discussion?” Thereupon an elderly merchant arose, smoothing his genteel white robe. “With thy permission, most honorable Arkad and my friends, I offer a suggestion. If, as you have said, we take credit to our own industry and ability for our business success, why not consider the successes we almost enjoyed but which escaped us, happenings which would have been most profitable. They would have been rare examples of good luck if they had actually happened. Because they were not brought to fulfillment we cannot consider them as our just rewards. Surely many men here have such experiences to relate.” “Here is a wise approach,” Arkad approved. “Who among you have had good luck within your grasp only to see it escape?” Many hands were raised, among them that of the merchant. Arkad motioned to him to speak. “As you suggested this approach, we should like to hear first from you.” “I will gladly relate a tale,” he resumed, “that doth illustrate how closely unto a man good luck may approach and how blindly he may permit it to escape, much to his loss and later regret. “Many years ago, when I was a young man, just married and well-started to earning, my father did come one day and urge most strongly that I enter in an investment. The son of one of his good friends had taken notice of a barren tract of land not far beyond the outer walls of our city. It lay high above the canal where no water could reach it. “The son of my father’s friend devised a plan to purchase this land, build three large water wheels that could be operated by oxen and thereby raise the life-giving waters to the fertile soil. This accomplished, he planned to divide into small tracts and sell to the residents of the city for herb patches. “The son of my father’s friend did not possess sufficient gold to complete such an undertaking. Like myself, he was a young man earning a fair sum. His father, like mine, was a man of large family and small means. He, therefore, decided to interest a group of men to enter the enterprise with him. The group was to comprise twelve, each of whom must be a money earner and agree to pay one-tenth of his earnings into the enterprise until the land was made ready for sale. All would then share justly in the profits in proportion to their investment. “‘Thou, my son,’ bespoke my father unto me, ‘art now in thy young manhood. It is my deep desire that thou begin the building of a valuable estate for thyself that thou mayest become respected among men. I desire to see thou profit from a knowledge of the thoughtless mistakes of thy father.’ “‘This do I most ardently desire, my father,’ I replied. “‘Then, this do I advise. Do what I should have done at thy age. From thy earnings keep out one-tenth to put into favorable investments. With this one tenth of thy earnings and what it will also earn, thou canst, before thou art my age, accumulate for thyself a valuable estate.’ “‘Thy words are words of wisdom, my father. Greatly do I desire riches. Yet there are many uses to which my earnings are called. Therefore, do I hesitate to do as thou dost advise. I am young. There is plenty of time.’ “‘So I thought at thy age, yet behold, many years have passed and I have not yet made the beginning.’ “‘We live in a different age, my father. I shall avoid thy mistakes.’ “‘Opportunity stands before thee, my son. It is offering a chance that may lead to wealth. I beg of thee, do not delay. Go upon the morrow to the son of my friend and bargain with him to pay ten percent of thy earnings into this investment. Go promptly upon the morrow. Opportunity waits for no man. Today it is here; soon it is gone. Therefore, delay not!’ “In spite of the advice of my father, I did hesitate. There were beautiful new robes just brought by the tradesmen from the East, robes of such richness and beauty my good wife and I felt we must each possess one. Should I agree to pay one-tenth of my earnings into the enterprise, we must deprive ourselves of these and other pleasures we dearly desired. I delayed making a decision until it was too late, much to my subsequent regret. The enterprise did prove to be more profitable than any man had prophesied. This is my tale, showing how I did permit good luck to escape.” “In this tale we see how good luck waits to come to that man who accepts opportunity,” commented a swarthy man of the desert. “To the building of an estate there must always be the beginning. That start may be a few pieces of gold or silver which a man diverts from his earnings to his first investment. I, myself, am the owner of many herds. The start of my herds I did begin when I was a mere boy and did purchase with one piece of silver a young calf. This, being the beginning of my wealth, was of great importance to me. “To take his first start to building an estate is as good luck as can come to any man. With all men, that first step, which changes them from men who earn from their own labor to men who draw dividends from the earnings of their gold, is important. Some, fortunately, take it when young and thereby outstrip in financial success those who do take it later or those unfortunate men, like the father of this merchant, who never take it. “Had our friend, the merchant, taken this step in his early manhood when this opportunity came to him, this day he would be blessed with much more of this world’s goods. Should the good luck of our friend, the cloth weaver, cause him to take such a step at this time, it will indeed be but the beginning of much greater good fortune.” “Thank you! I like to speak, also.” A stranger from another country arose. “I am a Syrian. Not so well do I speak your tongue. I wish to call this friend, the merchant, a name. Maybe you think it not polite, this name. Yet I wish to call him that. But, alas, I not know your word for it. If I do call it in Syrian, you will not understand. Therefore, please some good gentlemen, tell me that right name you call man who puts off doing those things that mighty good for him.” “Procrastinator,” called a voice. “That’s him,” shouted the Syrian, waving his hands excitedly, “he accepts not opportunity when she comes. He waits. He says I have much business right now. Bye and bye I talk to you. Opportunity, she will not wait for such slow fellow. She thinks if a man desires to be lucky he will step quick. Any man not step quick when opportunity comes, he big procrastinator like our friend, this merchant.” The merchant arose and bowed good naturedly in response to the laughter. “My admiration to thee, stranger within our gates, who hesitates not to speak the truth.” “And now let us hear another tale of opportunity. Who has for us another experience?” demanded Arkad. “I have,” responded a red-robed man of middle age. “I am a buyer of animals, mostly camels and horses. Sometimes I do also buy the sheep and goats. The tale I am about to relate will tell truthfully how opportunity came one night when I did least expect it. Perhaps for this reason I did let it escape. Of this you shall be the judge. “Returning to the city one evening after a disheartening ten days’ journey in search of camels, I was much angered to find the gates of the city closed and locked. While my slaves spread our tent for the night, which we looked to spend with little food and no I water, I was approached by an elderly farmer who, like ourselves, found himself locked outside. “‘Honored sir,’ he addressed me, ‘from thy appearance, I do judge thee to be a buyer. If this be so, much would I like to sell to thee the most excellent flock of sheep just driven up. Alas, my good wife lies very sick with the fever. I must return with all haste. Buy thou my sheep that I and my slaves may mount our camels and travel back without delay.’” “So dark it was that I could not see his flock, but from the bleating I did know it must be large. “Having wasted ten days searching for camels I could not find, I was glad to bargain with him. In his anxiety, he did set a most reasonable price. I accepted, well knowing my slaves could drive the flock through the city gates in the morning and sell at a substantial profit. “The bargain concluded, I called my slaves to bring torches that we might count the flock which the farmer declared to contain nine hundred. I shall not burden you, my friends, with a description of our difficulty in attempting to count so many thirsty, restless, milling sheep. It proved to be an impossible task. Therefore, I bluntly informed the farmer I would count them at daylight and pay him then. “‘Please, most honorable sir,’ he pleaded, ‘pay me but two-thirds of the price tonight that I may be on my way. I will leave my most intelligent and educated slave to assist to make the count in the morning. He is trustworthy and to him thou canst pay the balance. “But I was stubborn and refused to make payment that night. Next morning, before I awoke, the city gates opened and four buyers rushed out in search of flocks. They were most eager and willing to pay high prices because the city was threatened with siege, and food was not plentiful. Nearly three times the price at which he had offered the flock to me did the old farmer receive for it. Thus was rare good luck allowed to escape.” “Here is a tale most unusual,” commented Arkad. “What wisdom doth it suggest?” “The wisdom of making a payment immediately when we are convinced our bargain is wise,” suggested a venerable saddle maker. “If the bargain be good, then dost thou need protection against thy own weaknesses as much as against any other man. We mortals are changeable. Alas, I must say more apt to change our minds when right than wrong. Wrong, we are stubborn indeed. Right, we are prone to vacillate and let opportunity escape. My first judgment is my best. Yet always have I found it difficult to compel myself to proceed with a good bargain when made. Therefore, as a protection against my own weaknesses, I do make a prompt deposit thereon. This doth save me from later regrets for the good luck that should have been mine.” “Thank you! Again I like to speak.” The Syrian was upon his feet once more. “These tales much alike. Each time opportunity flies away for same reason. Each time she come to procrastinator, bringing good plan. Each time they hesitate, not say, right now best time, I do it quick. How can men succeed that way?” “Wise are thy words, my friend,” responded the buyer. “Good luck fled from procrastination in both these tales. Yet, this is not unusual. The spirit of procrastination is within all men. We desire riches; yet, how often when opportunity doth appear before us, that spirit of procrastination from within doth urge various delays in our acceptance. “In listening to it we do become our own worst enemies. “In my younger days I did not know it by this long word our friend from Syria doth enjoy. I did think at first it was my own poor judgment that did cause me loss of many profitable trades. Later, I did credit it to my stubborn disposition. At last, I did recognize it for what it was—a habit of needless delaying where action was required, action prompt and decisive. How I did hate it when its true character stood revealed. With the bitterness of a wild ass hitched to a chariot, I did break loose from this enemy to my success.” “Thank you! I like ask question from Mr. Merchant.” The Syrian was speaking. “You wear fine robes, not like those of poor man. You speak like successful man. Tell us, do you listen now when procrastination whispers in your ear?” “Like our friend the buyer, I also had to recognize and conquer procrastination,” responded the merchant. “To me, it proved to be an enemy, ever watching and waiting to thwart my accomplishments. “The tale I did relate is but one of many similar instances I could tell to show how it drove away my opportunities. Tis not difficult to conquer, once understood. No man willingly permits the thief to rob his bins of grain. Nor does any man willingly permit an enemy to drive away his customers and rob him of his profits. When once I did recognize that such acts as these my enemy was committing, with determination I conquered him. So must every man master his own spirit of procrastination before he can expect to share in the rich treasures of Babylon. I had to recognize and conquer procrastination. To me, it proved to be an enemy, ever watching and waiting to thwart my accomplishments. “What sayest, Arkad? Because thou art the richest man in Babylon, many do proclaim thee to be the luckiest. Dost agree with me that no man can arrive at a full measure of success until he hath completely crushed the spirit of procrastination within him?” “It is even as thou sayest,” Arkad admitted. “During my long life I have watched generation following generation, marching forward along those avenues of trade, science and learning that lead to success in life. Opportunities came to all these men. Some grasped theirs and moved steadily to the gratification of their deepest desires, but the majority hesitated, faltered and fell behind.” Arkad turned to the cloth weaver. “Thou didst suggest that we debate good luck. Let us hear what thou now thinkest upon the subject.” “I do see good luck in a different light. I had thought of it as something most desirable that might happen to a man without effort upon his part. Now, I do realize such happenings are not the sort of thing one may attract to himself. From our discussion have I learned that to attract good luck to oneself, it is necessary to take advantage of opportunities. Therefore, in the future, I shall endeavor to make the best of such opportunities as do come to me.” “Thou hast well grasped the truths brought forth in our discussion,” Arkad replied. “Good luck, we do find, often follows opportunity but seldom comes otherwise. Our merchant friend would have found great good luck had he accepted the opportunity the good goddess did present to him. Our friend the buyer, likewise, would have enjoyed good luck had he completed the purchase of the flock and sold at such a handsome profit. “We did pursue this discussion to find a means by which good luck could be enticed to us. I feel that we have found the way. Both the tales did illustrate how good luck follows opportunity. Herein lies a truth that many similar tales of good luck, won or lost, could not change. The truth is this: Good luck can be enticed by accepting opportunity. “Those eager to grasp opportunities for their betterment, do attract the interest of the good goddess. She is ever anxious to aid those who please her. Men of action please her best. “Action will lead thee forward to the successes thou dost desire.” Men of Action are Favored by the Goddess of Good Luck * See Appendix B: The 13 Rules of Good Luck.—MH Chapter 13 The Five Laws of Gold “A bag heavy with gold or a clay tablet carved with words of wisdom; if thou hadst thy choice, which wouldst thou choose?” By the flickering light from the fire of desert shrubs, the sun-tanned faces of the listeners gleamed with interest. “The gold, the gold,” chorused the twenty-seven. Old Kalabab smiled knowingly. “Hark,” he resumed, raising his hand. “Hear the wild dogs out there in the night. They howl and wail because they are lean with hunger. Yet feed them, and what do they? Fight and strut. Then fight and strut some more, giving no thought to the morrow that will surely come. “Just so it is with the sons of men. Give them a choice of gold and wisdom—what do they do? Ignore the wisdom and waste the gold. On the morrow they wail because they have no more gold. “Gold is reserved for those who know its laws and abide by them.” Kalabab drew his white robe close about his lean legs, for a cool night wind was blowing. “Because thou hast served me faithfully upon our long journey, because thou cared well for my camels, because thou toiled uncomplainingly across the hot sands of the desert, because thou fought bravely the robbers that sought to despoil my merchandise, I will tell thee this night the tale of the five laws of gold, such a tale as thou never hast heard before. “Hark ye, with deep attention to the words I speak, for if you grasp their meaning and heed them, in the days that come thou shalt have much gold.” He paused impressively. Above in a canopy of blue, the stars shone brightly in the crystal clear skies of Babylonia. Behind the group loomed their faded tents tightly staked against possible desert storms. Beside the tents were neatly stacked bales of merchandise covered with skins. Nearby the camel herd sprawled in the sand, some chewing their cuds contentedly, others snoring in hoarse discord. “Thou hast told us many good tales, Kalabab,” spoke up the chief packer. “We look to thy wisdom to guide us upon the morrow when our service with thee shall be at an end.” “I have but told thee of my adventures in strange and distant lands, but this night I shall tell thee of the wisdom of Arkad, the wise rich man.” “Much have we heard of him,” acknowledged the chief packer, “for he was the richest man that ever lived in Babylon.” “The richest man he was, and that because he was wise in the ways of gold, even as no man had ever been before him. This night shall I tell you of his great wisdom as it was told to me by Nomasir, his son, many years ago in Nineveh, when I was but a lad. “My master and myself had tarried long into the night in the palace of Nomasir. I had helped my master bring great bundles of fine rugs, each one to be tried by Nomasir until his choice of colors was satisfied. At last he was well pleased and commanded us to sit with him and to drink a rare vintage odorous to the nostrils and most warming to my stomach, which was unaccustomed to such a drink. “Then, did he tell us this tale of the great wisdom of Arkad, his father, even as I shall tell it to you. “In Babylon it is the custom, as you know, that the sons of wealthy fathers live with their parents in expectation of inheriting the estate. Arkad did not approve of this custom. Therefore, when Nomasir reached the man’s estate, he sent for the young man and addressed him: “‘My son, it is my desire that thou succeed to my estate. Thou must, however, first prove that thou art capable of wisely handling it. Therefore, I wish that thou go out into the world and show thy ability both to acquire gold and to make thyself respected among men. “‘To start thee well, I will give thee two things of which I, myself, was denied when I started as a poor youth to build up a fortune. “‘First, I give thee this bag of gold. If thou use it wisely, it will be the basis of thy future success. “‘Second, I give thee this clay tablet upon which is carved the five laws of gold. If thou dost but interpret them in thy own acts, they shall bring thee competence and security. “‘Ten years from this day come thou back to the house of thy father and give account of thyself. If thou prove worthy, I will then make thee the heir to my estate. Otherwise, I will give it to the priests that they may barter for my soul the kind consideration of the gods.’ “So Nomasir went forth to make his own way, taking his bag of gold, the clay tablet carefully wrapped in silken cloth, his slave and the horses upon which they rode. “The ten years passed, and Nomasir, as he had agreed, returned to the house of his father who provided a great feast in his honor, to which he invited many friends and relatives. After the feast was over, the father and mother mounted their throne-like seats at one side of the great hall, and Nomasir stood before them to give an account of himself as he had promised his father. “It was evening. The room was hazy with smoke from the wicks of the oil lamps that but dimly lighted it. Slaves in white woven jackets and tunics fanned the humid air rhythmically with long-stemmed palm leaves. A stately dignity colored the scene. The wife of Nomasir and his two young sons, with friends and other members of the family, sat upon rugs behind him, eager listeners. “‘My father,’ he began deferentially, I bow before thy wisdom. Ten years ago when I stood at the gates of manhood, thou bade me go forth and become a man among men, instead of remaining a vassal to thy fortune. “‘Thou gave me liberally of thy gold. Thou gave me liberally of thy wisdom. Of the gold, alas! I must admit of a disastrous handling. It fled, indeed, from my inexperienced hands even as a wild hare flees at the first opportunity from the youth who captures it.’ “The father smiled indulgently. ‘Continue, my son, thy tale interests me in all its details.’” “‘I decided to go to Nineveh, as it was a growing city, believing that I might find there opportunities. I joined a caravan and among its members made numerous friends. Two well-spoken men who had a most beautiful white horse as fleet as the wind were among these. “‘As we journeyed, they told me in confidence that in Nineveh was a wealthy man who owned a horse so swift that it had never been beaten. Its owner believed that no horse living could run with greater speed. Therefore, would he wager any sum however large that his horse could outspeed any horse in all Babylonia. Compared to their horse, so my friends said, it was but a lumbering ass that could be beaten with ease. “‘They offered, as a great favor, to permit me to join them in a wager. I was quite carried away with the plan. “‘Our horse was badly beaten and I lost much of my gold.’ The father laughed. ‘Later, I discovered that this was a deceitful plan of these men and they constantly journeyed with caravans seeking victims. You see, the man in Nineveh was their partner and shared with them the bets he won. This shrewd deceit taught me my first lesson in looking out for myself. “‘I was soon to learn another, equally bitter. In the caravan was another young man with whom I became quite friendly. He was the son of wealthy parents and, like myself, journeying to Nineveh to find a suitable location. Not long after our arrival, he told me that a merchant had died and his shop with its rich merchandise and patronage could be secured at a paltry price. Saying that we would be equal partners but first he must return to Babylon to secure his gold, he prevailed upon me to purchase the stock with my gold, agreeing that his would be used later to carry on our venture. “‘He long delayed the trip to Babylon, proving in the meantime to be an unwise buyer and a foolish spender. I finally put him out, but not before the business had deteriorated to where we had only unsalable goods and no gold to buy other goods. I sacrificed what was left to an Israelite for a pitiful sum. “‘Soon there followed, I tell you, my father, bitter days. I sought employment and found it not, for I was without trade or training that would enable me to earn. I sold my horses. I sold my slave. I sold my extra robes that I might have food and a place to sleep, but each day grim want crouched closer. “‘But in those bitter days, I remembered thy confidence in me, my father. Thou hadst sent me forth to become a man, and this I was determined to accomplish.’ The mother buried her face and wept softly. “‘At this time, I bethought me of the table thou had given to me upon which thou had carved the five laws of gold. Thereupon, I read most carefully thy words of wisdom, and realized that had I but sought wisdom first, my gold would not have been lost to me. “‘I learned by heart each law and determined that, when once more the goddess of good fortune smiled upon me, I would be guided by the wisdom of age and not by the inexperience of youth. “‘For the benefit of you who are seated here this night, I will read the wisdom of my father as engraved upon the clay tablet which he gave to me ten years ago: THE FIVE LAWS OF GOLD I. Gold cometh gladly and in increasing quantity to any man who will put by not less than one-tenth of his earnings to create an estate for his future and that of his family. II. Gold laboreth diligently and contentedly for the wise owner who finds for it profitable employment, multiplying even as the flocks of the field. III. Gold clingeth to the protection of the cautious owner who invests it under the advice of men wise in its handling. IV. Gold slippeth away from the man who invests it in businesses or purposes with which he is not familiar or which are not approved by those skilled in its keep. V. Gold flees the man who would force it to impossible earnings or who followeth the alluring advice of tricksters and schemers or who trusts it to his own inexperience and romantic desires in investment. “‘These are the five laws of gold as written by my father. I do proclaim them as of greater value than gold itself, as I will show by the continuance of my tale.’ “He again faced his father. ‘I have told thee of the depth of poverty and despair to which my inexperience brought me. “‘However, there is no chain of disasters that will not come to an end. Mine came when I secured employment managing a crew of slaves working upon the new outer wall of the city. “‘Profiting from my knowledge of the first law of gold, I saved a copper from my first earnings, adding to it at every opportunity until I had a piece of silver. It was a slow procedure, for one must live. There is no chain of disasters that will not come to an end. “‘I did spend grudgingly, I admit, because I was determined to earn back before the ten years were over as much gold as you, my father, had given to me. “‘One day the slave master, with whom I had become quite friendly, said to me: “Thou art a thrifty youth who spends not wantonly what he earns. Hast thou gold put by that is not earning?” “‘Yes,’ I replied, ‘It is my greatest desire to accumulate gold to replace that which my father gave to me and which I have lost.’ ““Tis a worthy ambition, I will grant, and do you know that the gold which you have saved can work for you and earn much more gold?” “‘Alas! my experience has been bitter, for my father’s gold has fled from me, and I am in much fear lest my own do the same.’ ““If thou hast confidence in me, I will give thee a lesson in the profitable handling of gold,” he replied. “Within a year the outer wall will be complete and ready for the great gates of bronze that will be built at each entrance to protect the city from the king’s enemies. ““In all Nineveh there is not enough metal to make these gates and the king has not thought to provide it. Here is my plan: A group of us will pool our gold and send a caravan to the mines of copper and tin, which are distant, and bring to Nineveh the metal for the gates. When the king says, ‘Make the great gates,’ we alone can supply the metal and a rich price he will pay. If the king will not buy from us, we will yet have the metal which can be sold for a fair price.” “‘In his offer I recognized an opportunity to abide by the third law and invest my savings under the guidance of wise men. Nor was I disappointed. Our pool was a success, and my small store of gold was greatly increased by the transaction. “‘In due time, I was accepted as a member of this same group in other ventures. They were men wise in the profitable handling of gold. They talked over each plan presented with great care, before entering upon it. They would take no chance on losing their principal or tying it up in unprofitable investments from which their gold could not be recovered. Such foolish things as the horse race and the partnership into which I had entered with my inexperience would have had scant consideration with them. They would have immediately pointed out their weaknesses. “‘Through my association with these men, I learned to safely invest gold to bring profitable returns. As the years went on, my treasure increased more and more rapidly. I not only made back as much as I lost, but much more. “‘Through my misfortunes, my trials and my success, I have tested time and again the wisdom of the five laws of gold, my father, and have proven them true in every test. To him who is without knowledge of the five laws, gold comes not often, and goeth away quickly. But to him who abide by the five laws, gold comes and works as his dutiful slave.’ “Nomasir ceased speaking and motioned to a slave in the back of the room. The slave brought forward, one at a time, three heavy leather bags. One of these Nomasir took and placed upon the floor before his father addressing him again: “‘Thou didst give to me a bag of gold, Babylon gold. Behold in its place, I do return to thee a bag of Nineveh gold of equal weight An equal exchange, as all will agree. “‘Thou didst give to me a clay tablet inscribed with wisdom. Behold, in its stead, I do return two bags of gold.’ So saying, he took from the slave the other two bags and, likewise, placed them upon the floor before his father. “‘This I do to prove to thee, my father, of how much greater value I consider thy wisdom than thy gold. Yet, who can measure in bags of gold, the value of wisdom? Without wisdom, gold is quickly lost by those who have it, but with wisdom, gold can be secured by those who have it not, as these three bags of gold do prove. “‘It does, indeed, give to me the deepest satisfaction, my father, to stand before thee and say that, because of thy wisdom, I have been able to become rich and respected before men.’ “The father placed his hand fondly upon the head of Nomasir. ‘Thou hast learned well thy lessons, and I am, indeed, fortunate to have a son to whom I may entrust my wealth.’ Kalabab ceased his tale and looked critically at his listeners. “What means this to thee, this tale of Nomasir?” he continued. “Who amongst thee can go to thy father or to the father of thy wife and give an account of wise handling of his earnings? “What would these venerable men think were you to say: ‘I have traveled much and learned much and labored much and earned much, yet alas, of gold I have little. Some I spent wisely, some I spent foolishly and much I lost in unwise ways.’ “Dost still think it but an inconsistency of fate that some men have much gold and others have naught? Then you err. “Men have much gold when they know the five laws of gold and abide thereby. “Because I learned these five laws in my youth and abided by them, I have become a wealthy merchant. Not by some strange magic did I accumulate my wealth. “Wealth that comes quickly goeth the same way. “Wealth that stayeth to give enjoyment and satisfaction to its owner comes gradually, because it is a child born of knowledge and persistent purpose. “To earn wealth is but a slight burden upon the thoughtful man. Bearing the burden consistently from year to year accomplishes the final purpose. Wealth that comes quickly goeth the same way. “The five laws of gold offer to thee a rich reward for their observance. Each of these five laws is rich with meaning and lest thou overlook this in the briefness of my tale, I will now repeat them. I do know them each by heart because in my youth, I could see their value and would not be content until I knew them word for word.” THE FIRST LAW OF GOLD Gold cometh gladly and in increasing quantity to any man who will put by not less than one-tenth of his earnings to create an estate for his future and that of his family. “Any man who will put by one-tenth of his earnings consistently and invest it wisely will surely create a valuable estate that will provide an income for him in the future and further guarantee safety for his family in case the gods call him to the world of darkness. This law always sayeth that gold cometh gladly to such a man. I can truly certify this in my own life. The more gold I accumulate, the more readily it comes to me and in increased quantities. The gold which I save earns more, even as yours will, and its earnings earn more, and this is the working out of the first law.” THE SECOND LAW OF GOLD Gold laboreth diligently and contentedly for the wise owner who finds for it profitable employment, multiplying even as the flocks of the field. “Gold, indeed, is a willing worker. It is ever eager to multiply when opportunity presents itself. To every man who hath a store of gold set by, opportunity comes for its most profitable use. As the years pass, it multiplies itself in surprising fashion.” THE THIRD LAW OF GOLD Gold clingeth to the protection of the cautious owner who invests it under the advice of men wise in its handling. “Gold, indeed, clingeth to the cautious owner, even as it flees the careless owner. The man who seeks the advice of men wise in handling gold soon learneth not to jeopardize his treasure, but to preserve in safety and to enjoy in contentment its consistent increase.” THE FOURTH LAW OF GOLD Gold slippeth away from the man who invests it in businesses or purposes with which he is not familiar or which are not approved by those skilled in its keep. “To the man who hath gold, yet is not skilled in its handling, many uses for it appear most profitable. Too often these are fraught with danger of loss, and if properly analyzed by wise men, show small possibility of profit. Therefore, the inexperienced owner of gold who trusts to his own judgment and invests it in business or purposes with which he is not familiar, too often finds his judgment imperfect, and pays with his treasure for his inexperience. Wise indeed is he who investeth his treasures under the advice of men skilled In the ways of gold.” THE FIFTH LAW OF GOLD Gold flees the man who would force it to impossible earnings or who followeth the alluring advice of tricksters and schemers or who trusts it to his own inexperience and romantic desires in investment. “Fanciful propositions that thrill like adventure tales always come to the new owner of gold. These appear to endow his treasure with magic powers that will enable it to make impossible earnings. Yet heed ye the wise men for verily they know the risks that lurk behind every plan to make great wealth suddenly. “Forget not the rich men of Nineveh who would take no chance of losing their principal or tying it up in unprofitable investments. “This ends my tale of the five laws of gold. In telling it to thee, I have told the secrets of my own success. “Yet, they are not secrets but truths which every man must first learn and then follow who wishes to step out of the multitude that, like yon wild dogs, must worry each day for food to eat. “Tomorrow, we enter Babylon. Look! See the fire that burns eternal above the Temple of Bel! We are already in sight of the golden city. Tomorrow, each of thee shall have gold, the gold thou has so well earned by thy faithful services. “Ten years from this night, what can you tell about this gold? “If there be men among you, who, like Nomasir, will use a portion of their gold to start for themselves an estate and be thenceforth wisely guided by the wisdom of Arkad, ten years from now, ‘tis a safe wager, like the son of Arkad, they will be rich and respected among men. “Our wise acts accompany us through life to please us and to help us. Just as surely, our unwise acts follow us to plague and torment us. Alas, they cannot be forgotten. In the front rank of the torments that do follow us are the memories of the things we should have done, of the opportunities which came to us and we took not. “Rich are the treasures of Babylon, so rich no man can count their value in pieces of gold. Each year, they grow richer and more valuable. Like the treasures of every land, they are a reward, a rich reward awaiting those men of purpose who determine to secure their just share. “In the strength of thine own desires is a magic power. Guide this power with thy knowledge of the five laws of gold and thou shall share the treasures of Babylon.” Chapter 14 The Gold Lender of Babylon Fifty pieces of gold! Never before had Rodan, the spear maker of old Babylon, carried so much gold in his leather wallet. Happily down the king’s highway from the palace of his most liberal Majesty he strode. Cheerfully the gold clinked as the wallet at his belt swayed with each step—the sweetest music he had ever heard. Fifty pieces of gold! All his! He could hardly realize his good fortune. What power in those clinking discs! They could purchase anything he wanted, a grand house, land, cattle, camels, horses, chariots, whatever he might desire. What use should he make of it? This evening as he turned into a side street towards the home of his sister, he could think of nothing he would rather possess than those same glittering, heavy pieces of gold—his to keep. It was upon an evening some days later that a perplexed Rodan entered the shop of Mathon, the lender of gold and dealer in jewels and rare fabrics. Glancing neither to the right nor the left at the colorful articles artfully displayed, he passed through to the living quarters at the rear. Here he found the genteel Mathon lounging upon a rug partaking of a meal served by a black slave. “I would counsel with thee for I know not what to do.” Rodan stood stolidly, feet apart, hairy breast exposed by the gaping front of his leather jacket. Mathon’s narrow, sallow face smiled a friendly greeting. “What indiscretions hast thou done that thou shouldst seek the lender of gold? Hast been unlucky at the gaming table? Or hath some plump dame entangled thee? For many years have I known thee, yet never hast thou sought me to aid thee in thy troubles.” “No, no. Not such as that. I seek no gold. Instead I crave thy wise advice.” “Hear! Hear! What this man doth say. No one comes to the lender of gold for advice. My ears must play me false.” “They listen true.” “Can this be so? Rodan, the spear maker, doth display more cunning than all the rest, for he comes to Mathon, not for gold, but for advice. Many men come to me for gold to pay for their follies, but as for advice, they want it not. Yet who is more able to advise than the lender of gold to whom many men come in trouble? “Thou shalt eat with me, Rodan,” he continued. “Thou shalt be my guest for the evening. Ando!” he commanded of the black slave, “draw up a rug for my friend, Rodan, the spear maker, who comes for advice. He shall be mine honored guest. Bring to him much food and get for him my largest cup. Choose well of the best wine that he may have satisfaction in the drinking. “Now, tell me what troubles thee.” “It is the king’s gift.” “The king’s gift? The king did make thee a gift and it gives thee trouble? What manner of gift?” “Because he was much pleased with the design I did submit to him for a new point on the spears of the royal guard, he did present me with fifty pieces of gold, and now I am much perplexed. “I am beseeched each hour the sun doth travel across the sky by those who would share it with me.” “That is natural. More men want gold than have it, and would wish one who comes by it easily to divide. But can you not say ‘No?’ Is thy will not as strong as thy fist?” “To many I can say no, yet sometimes it would be easier to say yes. Can one refuse to share with one’s sister to whom he is deeply devoted?” “Surely, thy own sister would not wish to deprive thee of enjoying thy reward.” “But it is for the sake of Araman, her husband, whom she wishes to see a rich merchant. She does feel that he has never had a chance and she beseeches me to loan to him this gold that he may become a prosperous merchant and repay me from his profits.” “My friend,” resumed Mathon, “tis a worthy subject thou bringest to discuss. Gold bringeth unto its possessor responsibility and a changed position with his fellow men. It bringeth fear lest he lose it or it be tricked away from him. It bringeth a feeling of power and ability to do good. Likewise, it bringeth opportunities whereby his very good intentions may bring him into difficulties. “Didst ever hear of the farmer of Nineveh who could understand the language of animals? I wot not, for ‘tis not the kind of tale men like to tell over the bronze caster’s forge. I will tell it to thee for thou shouldst know that to borrowing and lending there is more than the passing of gold from the hands of one to the hands of another. “This farmer, who could understand what the animals said to each other, did linger in the farm yard each evening just to listen to their words. One evening he did hear the ox bemoaning to the ass the hardness of his lot: ‘I do labor pulling the plow from morning until night. No matter how hot the day, or how tired my legs, or how the bow doth chafe my neck, still must I work. But you are a creature of leisure. You are trapped with a colorful blanket and do nothing more than carry our master about where he wishes to go. When he goes nowhere you do rest and eat the green grass all the day.’ “Now the ass, in spite of his vicious heels, was a goodly fellow and sympathized with the ox. ‘My good friend,’ he replied, ‘you do work very hard and I would help ease your lot. Therefore, will I tell you how you may have a day of rest. In the morning when the slave comes to fetch you to the plow, lie upon the ground and bellow much that he may say you are sick and cannot work.’ “So the ox took the advice of the ass and the next morning the slave returned to the farmer and told him the ox was sick and could not pull the plow. “‘Then,’ said the farmer, ‘hitch the ass to the plow for the plowing must go on.’ “All that day the ass, who had only intended to help his friend, found himself compelled to do the ox’s task. When night came and he was released from the plow his heart was bitter and his legs were weary and his neck was sore where the bow had chafed it. “The farmer lingered in the barnyard to listen. “The ox began first. ‘You are my good friend. Because of your wise advice I have enjoyed a day of rest.’ “‘And I,’ retorted the ass, ‘am like many another simple-hearted one who starts to help a friend and ends up by doing his task for him. Hereafter you draw your own plow, for I did hear the master tell the slave to send for the butcher were you sick again. I wish he would, for you are a lazy fellow.’ Thereafter they spoke to each other no more—this ended their friendship. Canst thou tell the moral to this tale, Rodan?” “’Tis a good tale,” responded Rodan, “but I see not the moral.” “I thought not that you would. But it is there and simple too. Just this: If you desire to help thy friend, do so in a way that will not bring thy friend’s burdens upon thyself.” “I had not thought of that. It is a wise moral. I wish not to assume the burdens of my sister’s husband. But tell me. You lend to many. Do not the borrowers repay?” Mathon smiled the smile of one whose soul is rich with much experience. “Could a loan be well made if the borrower cannot repay? Must not the lender be wise and judge carefully whether his gold can perform a useful purpose to the borrower and return to him once more; or whether it will be wasted by one unable to use it wisely and leave him without his treasure, and leave the borrower with a debt he cannot repay? I will show to thee the tokens in my token chest and let them tell thee some of their stories.” Into the room he brought a chest as long as his arm covered with red pigskin and ornamented with bronze designs. He placed it upon the floor and squatted before it, both hands upon the lid. “From each person to whom I lend, I do exact a token for my token chest, to remain there until the loan is repaid. When they repay I give back, but if they never repay it will always remind me of one who was not faithful to my confidence. “The safest loans, my token box tells me, are to those whose possessions are of more value than the one they desire. They own lands, or jewels, or camels, or other things which could be sold to repay the loan. Some of the tokens given to me are jewels of more value than the loan. Others are promises that if the loan be not repaid as agreed they will deliver to me certain property settlement. On loans like those I am assured that my gold will be returned with the rental thereon, for the loan is based on property. The safest loans are to those whose possessions are of more value than the one they desire. “In another class are those who have the capacity to earn. They are such as you, who labor or serve and are paid. They have income and if they are honest and suffer no misfortune, I know that they also can repay the gold I loan them and the rental to which I am entitled. Such loans are based on human effort. “Others are those who have neither property nor assured earning capacity. Life is hard and there will always be some who cannot adjust themselves to it. Alas for the loans I make them, even though they be no larger than a pence, my token box may censure me in the years to come unless they be guaranteed by good friends of the borrower who know him honorable.” Mathon released the clasp and opened the lid. Rodan leaned forward eagerly. At the top of the chest a bronze neck-piece lay upon a scarlet cloth. Mathon picked up the piece and patted it affectionately. “This shall always remain in my token chest because the owner has passed on into the great darkness. I treasure, it, his token, and I treasure his memory; for he was my good friend. We traded together with much success until out of the east he brought a woman to wed, beautiful, but not like our women. A dazzling creature. He spent his gold lavishly to gratify her desires. “He came to me in distress when his gold was gone. I counseled with him. I told him I would help him to once more master his own affairs. He swore by the sign of the Great Bull that he would. But it was not to be. In a quarrel she thrust a knife into the heart he dared her to pierce.” “And she?” questioned Rodan. “Yes, of course, this was hers.” He picked up the scarlet cloth. “In bitter remorse she threw herself into the Euphrates. These two loans will never be repaid. The chest tells you, Rodan, that humans in the throes of great emotions are not safe risks for the gold lender. “Here! Now this is different.” He reached for a ring carved of ox bone. “This belongs to a farmer. I buy the rugs of his women. The locusts came and they had not food. I helped him and when the new crop came he repaid me. Later he came again and told of strange goats in a distant land as described by a traveler. They had long hair so fine and soft it would weave into rugs more beautiful than any ever seen in Babylon. He wanted a herd but he had no money. So I did lend him gold to make the journey and bring back goats. Now his herd is begun and next year I shall surprise the lords of Babylon with the most expensive rugs it has been their good fortune to buy. Soon I must return his ring. “He doth insist on repaying promptly.” “Some borrowers do that?’ queried Rodan. “If they borrow for purposes that bring money back to them, I find it so. But if they borrow because of their indiscretions, I warn thee to be cautious if thou wouldst ever have thy gold back in hand again.” “Tell me about this,” requested Rodan, picking up a heavy gold bracelet inset with jewels in rare designs. “The women do appeal to my good friend,” bantered Mathon. “I am still much younger than you,” retorted Rodan. “I grant that, but this time thou doth suspicion romance where it is not. The owner of this is fat and wrinkled and doth talk so much and say so little she drives me mad. Once they had much money and were good customers, but ill times came upon them. She has a son of whom she would make a merchant. So she came to me and borrowed gold that he might become a partner of a caravan owner who travels with his camels bartering in one city what he buys in another. “This man proved a rascal for he left the poor boy in a distant city without money and without friends, pulling out early while the youth slept. Perhaps when this youth has grown to manhood, he will repay; until then I get no rental for the loan—only much talk. But I do admit the jewels are worthy of the loan.” “Did this lady ask thy advice as to the wisdom of the loan?” “Quite otherwise. She had pictured to herself this son of hers as a wealthy and powerful man of Babylon. To suggest the contrary was to infuriate her. A fair rebuke I had. I knew the risk for this inexperienced boy, but as she offered security I could not refuse her. “This,” continued Mathon, waving a bit of pack rope tied into a knot, “belongs to Nebatur, the camel trader. When he would buy a herd larger than his funds he brings to me this knot and I lend to him according to his needs. He is a wise trader. I have confidence in his good judgment and can lend him freely. Many other merchants of Babylon have my confidence because of their honorable behavior. “Their tokens come and go frequently in my token box. Good merchants are an asset to our city and it profits me to aid them to keep trade moving that Babylon be prosperous.” Mathon picked out a beetle carved in turquoise and tossed it contemptuously on the floor. “A bug from Egypt. The lad who owns this does not care whether I ever receive back my gold. When I reproach him he replies, ‘How can I repay when ill fate pursues me? You have plenty more.’ What can I do? The token is his father’s—a worthy man of small means who did pledge his land and herd to back his son’s enterprises. The youth found success at first and then was overzealous to gain great wealth. “His knowledge was immature. His enterprises collapsed. Youth is ambitious. Youth would take short cuts to wealth and the desirable things for which it stands. To secure wealth quickly youth often borrows unwisely. “Youth, never having had experience, cannot realize that hopeless debt is like a deep pit into which one may descend quickly and where one may struggle vainly for many days. It is a pit of sorrow and regrets where the brightness of the sun is overcast and night is made unhappy by restless sleeping. “Yet, I do not discourage borrowing gold. I encourage it. I recommend it if it be for a wise purpose. I myself made my first real success as a merchant with borrowed gold. “Yet, what should the lender do in such a case? The youth is in despair and accomplishes nothing. He is discouraged. He makes no effort to repay. My heart turns against depriving the father of his land and cattle.” “You tell me much that I am interested to hear,” ventured Rodan, “but I hear no answer to my question. Should I lend my fifty pieces of gold to my sister’s husband? They mean much to me.” “Thy sister is a sterling woman whom I do much esteem. Should her husband come to me and ask to borrow fifty pieces of gold I should ask him for what purpose he would use it. “If he answered that he desired to become a merchant like myself and deal in jewels and rich furnishings, I would say, ‘What knowledge have you of the ways of trade? Do you know where you can buy at lowest cost? Do you know where you can sell at a fair price?’ Could he say ‘Yes’ to these questions?” “No, he could not,” Rodan admitted. “He has helped me much in making spears and he has helped some in the shops.” “Then, would I say to him that his purpose was not wise. Merchants must learn their trade. His ambition, though worthy, is not practical and I would not lend him any gold. “But, supposing he could say: ‘Yes, I have helped merchants much. I know how to travel to Smyrna and to buy at low cost the rugs the housewives weave. I also know many of the rich people of Babylon to whom I can sell these at a large profit.’ Then I would say: ‘Your purpose is wise and your ambition honorable. I shall be glad to lend you the fifty pieces of gold if you can give me security that they will be returned.’ But would he say, ‘I have no security other than that I am an honored man and will pay you well for the loan.’ Then would I reply, ‘I treasure much each piece of gold. Were the robbers to take it from you as you journeyed to Smyrna or take the rugs from you as you returned, then you would have no means of repaying me and my gold would be gone.’ “Gold, you see, Rodan, is the merchandise of the lender of money. It is easy to lend. If it is lent unwisely then it is difficult to get back. The wise lender wishes not the risk of the undertaking but the guarantee of safe repayment. “Tis well,” he continued, “to assist those that are in trouble, ‘tis well to help those upon whom fate has laid a heavy hand. ‘Tis well to help those who are starting that they may progress and become valuable citizens. But help must be given wisely, lest, like the farmer’s ass, in our desire to help we but take upon ourselves the burden that belongs to another. “Again I wandered from thy question, Rodan, but hear my answer: Keep thy fifty pieces of gold. What thy labor earns for thee and what is given thee for reward is thine own and no man can put an obligation upon thee to part with it unless it do be thy wish. If thee wouldst lend it so that it may earn thee more gold, then lend with caution and in many places. I like not idle gold, even less I like too much of risk. “How many years hast thou labored as a spear maker?” “Fully three.” “How much besides the king’s gift hast saved?” “Three gold pieces.” “Each year that thou hast labored thou has denied thyself good things to save from thine earnings one piece of gold?” “Tis as you say.” “Then mightest save in fifty years of labor fifty pieces of gold by thy self-denial?” “A lifetime of labor it would be.” “Thinkest thou thy sister would wish to jeopardize the savings of fifty years of labor over the bronze melting pot that her husband might experiment on being a merchant?” “Not if I spoke in your words.” “Then go to her and say: ‘Three years I have labored each day except fast days, from morning until night, and I have denied myself many things that my heart craved. For each year of labor and self-denial I have to show one piece of gold. Thou art my favored sister and I wish that thy husband may engage in business in which he will prosper greatly. If he will submit to me a plan that seems wise and possible to my friend, Mathon, then will I gladly lend to him my savings of an entire year that he may have an opportunity to prove that he can succeed.’ Do that, I say, and if he has within him the soul to succeed he can prove it. If he fails he will not owe thee more than he can hope some day to repay. “I am a gold lender because I own more gold than I can use in my own trade. I desire my surplus gold to labor for others and thereby earn more gold. I do not wish to take risk of losing my gold for I have labored much and denied myself much to secure it. Therefore, I will no longer lend any of it where I am not confident that it is safe and will be returned to me. Neither will I lend it where I am not convinced that its earnings will be promptly paid to me. “I have told to thee, Rodan, a few of the secrets of my token chest. From them you may understand the weakness of men and their eagerness to borrow that which they have no certain means to repay. From this you can see how often their high hopes of the great earnings they could make, if they but had gold, are but false hopes they have not the ability or training to fulfill. “Thou, Rodan, now have gold which thou shouldst put to earning more gold for thee. Thou art about to become even as I, a gold lender. If thou dost safely preserve thy treasure it will produce liberal earnings for thee and be a rich source of pleasure and profit during all thy days. But if thou dost let it escape from thee, it will be a source of constant sorrow and regret as long as thy memory doth last. “What desirest thou most of this gold in thy wallet?” “To keep it safe.” “Wisely spoken,” replied Mathon approvingly. “Thy first desire is for safety. Thinkest thou that in the custody of thy sister’s husband it would be truly safe from possible loss?” “I fear not, for he is not wise in guarding gold.” “Then be not swayed by foolish sentiments of obligation to trust thy treasure to any person. If thou wouldst help thy family or thy friends, find other ways than risking the loss of thy treasure. Forget not that gold slippeth away in unexpected ways from those unskilled in guarding it. As well waste thy treasure in extravagance as let others lose it for thee. “What next after safety dost desire of this treasure of thine?” “That it earn more gold.” Gold slippeth away in unexpected ways from those unskilled in guarding it. “Again thou speakest with wisdom. It should be made to earn and grow larger. Gold wisely lent may even double itself with its earnings before a man like you groweth old. If you risk losing it you risk losing all that it would earn as well. “Therefore, be not swayed by the fantastic plans of impractical men who think they see ways to force thy gold to make earnings unusually large. Such plans are the creations of dreamers unskilled in the safe and dependable laws of trade. Be conservative in what thou expect it to earn that thou mayest keep and enjoy thy treasure. To hire it out with a promise of usurious returns is to invite loss. “Seek to associate thyself with men and enterprises whose success is established that thy treasure may earn liberally under their skillful use and be guarded safely by their wisdom and experience. “Thus, mayest thou avoid the misfortunes that follow most of the sons of men to whom the gods see fit to entrust gold.” Seek to associate thyself with men and enterprises whose success is established. When Rodan would thank him for his wise advice he would not listen, saying, “The king’s gift shall teach thee much wisdom. If wouldst keep thy fifty pieces of gold thou must be discreet indeed. Many uses will tempt thee. Much advice will be spoken to thee. Numerous opportunities to make large profits will be offered thee. The stories from my token box should warn thee, before thou let any piece of gold leave thy pouch to be sure that thou hast a safe way to pull it back again. Should my further advice appeal to thee, return again. It is gladly given. “E’re thou goest read this which I have carved beneath the lid of my token box. It applies equally to the borrower and the lender: Better a Little Caution than a Great Regret Chapter 15 The Walls of Babylon Old Banzar, grim warrior of another day, stood guard at the passageway leading to the top of the ancient walls of Babylon. Up above, valiant defenders were battling to hold the walls. Upon them depended the future existence of this great city with its hundreds of thousands of citizens. Over the walls came the roar of the attacking armies, the yelling of many men, the trampling of thousands of horses, the deafening boom of the battering rams pounding the bronzed gates. In the street behind the gate lounged the spearmen, waiting to defend the entrance should the gates give way. They were but few for the task. The main armies of Babylon were with their king, far away in the east on the great expedition against the Elamites. No attack upon the city having been anticipated during their absence, the defending forces were small. Unexpectedly, from the north, bore down the mighty armies of the Assyrians. And now the walls must hold or Babylon was doomed. About Banzar were great crowds of citizens, white-faced and terrified, eagerly seeking news of the battle. With hushed awe they viewed the stream of wounded and dead being carried or led out of the passageway. Here was the crucial point of attack. After three days of circling about the city, the enemy had suddenly thrown his great strength against this section and this gate. The defenders from the top of the wall fought off the climbing platforms and the scaling ladders of the attackers with arrows, burning oil and, if any reached the top, spears. Against the defenders, thousands of the enemy’s archers poured a deadly barrage of arrows. Old Banzar had the vantage point for news. He was closest to the conflict and first to hear of each fresh repulse of the frenzied attackers. An elderly merchant crowded close to him, his palsied hands quivering. “Tell me! Tell me!” he pleaded. “They cannot get in. My sons are with the good king. There is no one to protect my old wife. “My goods, they will steal all. My food, they will leave nothing. We are old, too old to defend ourselves—too old for slaves. We shall starve. We shall die. Tell me they cannot get in.” “Calm thyself, good merchant,” the guard responded. “The walls of Babylon are strong. Go back to the bazaar and tell your wife that the walls will protect you and all of your possessions as safely as they protect the rich treasures of the king. Keep close to the walls, lest the arrows flying over strike you!” A woman with a babe in arms took the old man’s place as he withdrew. “Sergeant, what news from the top? Tell me truly that I may reassure my poor husband. He lies with fever from his terrible wounds, yet insists upon his armor and his spear to protect me, who am with child. Terrible he says will be the vengeful lust of our enemies should they break in.” “Be thou of good heart, thou mother that is, and is again to be, the walls of Babylon will protect you and your babes. They are high and strong. Hear ye not the yells of our valiant defenders as they empty the caldrons of burning oil upon the ladder scalers?” “Yes, that do I hear and also the roar of the battering rams that do hammer at our gates.” “Back to thy husband. Tell him the gates are strong and withstand the rams. Also that the scalers climb the walls but to receive the waiting spear thrust. Watch, thy way and hasten behind yon buildings.” Banzar stepped aside to clear the passage for heavily armed reinforcements. As, with clanking bronze shields and heavy tread, they tramped by, a small girl plucked at his girdle. “Tell me please, soldier, are we safe?” she pleaded. “I hear the awful noises. I see the men all bleeding. I am so frightened. What will become of our family, of my mother, little brother and the baby?” The grim old campaigner blinked his eyes and thrust forward his chin as he beheld the child. “Be not afraid, little one,” he reassured her. “The walls of Babylon will protect you and mother and little brother and the baby. It was for the safety of such as you that the good Queen Semiramis built them over a hundred years ago. Never have they been broken through. Go back and tell your mother and little brother and the baby that the walls of Babylon will protect them and they need have no fear.” Day after day old Banzar stood at his post and watched the reinforcements file up the passageway, there to stay and fight until wounded or dead they came down once more. Around him, unceasingly crowded the throngs of frightened citizens eagerly seeking to learn if the walls would hold. To all he gave his answer with the fine dignity of an old soldier, “The walls of Babylon will protect you.” For three weeks and five days the attack waged with scarcely ceasing violence. Harder and grimmer set the jaw of Banzar as the passage behind, wet with the blood of the many wounded, was churned into mud by the never ceasing streams of men passing up and staggering down. Each day the slaughtered attackers piled up in heaps before the wall. Each night they were carried back and buried by their comrades. Upon the fifth night of the fourth week the clamor without diminished. The first streaks of daylight, illuminating the plains, disclosed great clouds of dust raised by the retreating armies. A mighty shout went up from the defenders. There was no mistaking its meaning. It was repeated by the waiting troops behind the walls. It was echoed by the citizens upon the streets. It swept over the city with the violence of a storm. People rushed from the houses. The streets were jammed with a throbbing mob. The pent-up fear of weeks found an outlet in the wild chorus of joy. From the top of the high tower of the Temple of Bel burst forth the flames of victory. Skyward floated the column of blue smoke to carry the message far and wide. The walls of Babylon had once again repulsed a mighty and vicious foe determined to loot her rich treasures and to ravish and enslave her citizens. Babylon endured century after century because it was fully protected. It could not afford to be otherwise. The walls of Babylon were an outstanding example of man’s need and desire for protection. This desire is inherent in the human race. It is just as strong today as it ever was, but we have developed broader and better plans to accomplish the same purpose. In this day, behind the impregnable walls of insurance, savings accounts and dependable investments, we can guard ourselves against the unexpected tragedies that may enter any door and seat themselves before any fireside. We Cannot Afford to be Without Adequate Protection Chapter 16 The Camel Trader of Babylon The hungrier one becomes, the clearer one’s mind works—also the more sensitive one becomes to the odors of food. Tarkad, the son of Azure, certainly thought so. For two whole days he had tasted no food except two small figs purloined from over the wall of a garden. Not another could he grab before the angry woman rushed forth and chased him down the street. Her shrill cries were still ringing in his ears as he walked through the market place. They helped him to retrain his restless fingers from snatching the tempting fruits from the baskets of the market women. Never before had he realized how much food was brought to the markets of Babylon and how good it smelled. Leaving the market, he walked across to the inn and paced back and forth in front of the eating house. Perhaps here he might meet someone he knew; someone from whom he could borrow a copper that would gain him a smile from the unfriendly keeper of the inn and, with it, a liberal helping. Without the copper he knew all too well how unwelcome he would be. In his abstraction he unexpectedly found himself face to face with the one man he wished most to avoid, the tall bony figure of Dabasir, the camel trader. Of all the friends and others from whom he had borrowed small sums, Dabasir made him feel the most uncomfortable because of his failure to keep his promises to repay promptly. Dabasir’s face lighted up at the sight of him. “Ha! ‘Tis Tarkad, just the one I have been seeking that he might repay the two pieces of copper which I lent him a moon ago; also the piece of silver which I lent to him before that. We are well met. I can make good use of the coins this very day. What say, boy? What say?” Tarkad stuttered and his face flushed. He had naught in his empty stomach to nerve him to argue with the outspoken Dabasir. “I am sorry, very sorry,” he mumbled weakly, “but this day I have neither the copper nor the silver with which I could repay.” “Then get it,” Dabasir insisted. “Surely thou canst get hold of a few coppers and a piece of silver to repay the generosity of an old friend of thy father who aided thee whenst thou wast in need?” “Tis because ill fortune does pursue me that I cannot pay.” “Ill fortune! Wouldst blame the gods for thine own weakness. Ill fortune pursues every man who thinks more of borrowing than of repaying. Come with me, boy, while I eat. I am hungry and I would tell thee a tale.” Tarkad flinched from the brutal frankness of Dabasir, but here at least was an invitation to enter the coveted doorway of the eating house. Dabasir pushed him to a far corner of the room where they seated themselves upon small rugs. When Kauskor, the proprietor, appeared smiling, Dabasir addressed him with his usual freedom, “Fat lizard of the desert, bring to me a leg of the goat, brown with much juice, and bread and all of the vegetables for I am hungry and want much food. Do not forget my friend here. Bring to him a jug of water. Have it cooled, for the day is hot.” Tarkad’s heart sank. Must he sit here and drink water while he watched this man devour an entire goat leg? He said nothing. He thought of nothing he could say. Dabasir, however, knew no such thing as silence. Smiling and waving his hand good-naturedly to the other customers, all of whom knew him, he continued. “I did hear from a traveler just returned from Urfa of a certain rich man who has a piece of stone cut so thin that one can look through it. He put it in the window of his house to keep out the rains. “It is yellow, so this traveler does relate, and he was permitted to look through it and all the outside world looked strange and not like it really is. What say you to that, Tarkad? Thinkest all the world could look to a man a different color from what it is?” “I dare say,” responded the youth, much more interested in the fat leg of goat placed before Dabasir. “Well, I know it to be true for I myself have seen the world all of a different color from what it really is and the tale I am about to tell relates how I came to see it in its right color once more.” “Dabasir will tell a tale,” whispered a neighboring diner to his neighbor, and dragged his rug close. Other diners brought their food and crowded in a semicircle. They crunched noisily in the ears of Tarkad and brushed him with their meaty bones. He alone was without food. Dabasir did not offer to share with him nor even motion him to a small corner of the hard bread that was broken off and had fallen from the platter to the floor. “The tale that I am about to tell,” began Dabasir, pausing to bite a goodly chunk from the goat leg, “relates to my early life and how I came to be a camel trader. Didst anyone know that I once was a slave in Syria?” A murmur of surprise ran through the audience to which Dabasir listened with satisfaction. “When I was a young man,” continued Dabasir after another vicious onslaught on the goat leg, “I learned the trade of my father, the making of saddles. I worked with him in his shop and took to myself a wife. “Being young and not greatly skilled, I could earn but little, just enough to support my excellent wife in a modest way. I craved good things which I could not afford. Soon I found that the shop keepers would trust me to pay later even though I could not pay at the time. “Being young and without experience I did not know that he who spends more than he earns is sowing the winds of needless self-indulgence from which he is sure to reap the whirlwinds of trouble and humiliation. So I indulged my whims for fine raiment and bought luxuries for my good wife and our home, beyond our means. “I paid as I could and for a while all went well. But in time I discovered I could not use my earnings both to live upon and to pay my debts. “Creditors began to pursue me to pay for my extravagant purchases and my life became miserable. I borrowed from my friends, but could not repay them either. Things went from bad to worse. My wife returned to her father and I decided to leave Babylon and seek another city where a young man might have better chances. “For two years I had a restless and unsuccessful life working for caravan traders. From this I fell in with a set of likeable robbers who scoured the desert for unarmed caravans. Such deeds were unworthy of the son of my father, but I was seeing the world through a colored stone and did not realize to what degradation I had fallen. “We met with success on our first trip, capturing a rich haul of gold and silks and valuable merchandise. This loot we took to Ginir and squandered. “The second time we were not so fortunate. Just after we had made our capture, we were attacked by the spearsmen of a native chief to whom the caravans paid for protection. Our two leaders were killed, and the rest of us were taken to Damascus where we were stripped of our clothing and sold as slaves. “I was purchased for two pieces of silver by a Syrian desert chief. With my hair shorn and but a loin cloth to wear, I was not so different from the other slaves. Being a reckless youth, I thought it merely an adventure until my master took me before his four wives and told them they could have me for a eunuch. “Then, indeed, did I realize the hopelessness of my situation. These men of the desert were fierce and warlike. I was subject to their will without weapons or means of escape. “Fearful I stood, as those four women looked me over. I wondered if I could expect pity from them. Sira, the first wife, was older than the others. Her face was impassive as she looked upon me. I turned from her with little consolation. The next was a contemptuous beauty who gazed at me as indifferently as if I had been a worm of the earth. The two younger ones tittered as though it were all an exciting joke. “It seemed an age that I stood waiting sentence. Each woman appeared willing for the others to decide. Finally Sira spoke up in a cold voice. “Of eunuchs we have plenty, but of camel tenders we have few and they are a worthless lot. “Even this day I would visit my mother who is sick with the fever and there is no slave I would trust to lead my camel. Ask this slave if he can lead a camel.” “My master thereupon questioned me, ‘What know you of camels?’ “Striving to conceal my eagerness, I replied, ‘I can make them kneel, I can load them, I can lead them on long trips without tiring. If need be, I can repair their trappings.’” “‘The slave speaks forward enough,’ observed my master. If thou so desire, Sira, take this man for thy camel tender.’ “So I was turned over to Sira and that day I led her camel upon a long journey to her sick mother. I took the occasion to thank her for her intercession and also to tell her that I was not a slave by birth, but the son of a freeman, an honorable saddle maker of Babylon. I also told her much of my story. Her comments were disconcerting to me and I pondered much afterwards on what she said. “‘How can you call yourself a free man when your weakness has brought you to this? If a man has in himself the soul of a slave will he not become one no matter what his birth, even as water seeks its level? If a man has within him the soul of a free man, will he not become respected and honored in his own city in spite of his misfortune?’ “For over a year I was a slave and lived with the slaves, but I could not become as one of them. “One day Sira asked me, ‘In the eventime when the other slaves can mingle and enjoy the society of each other, why dost thou sit in thy tent alone?’ “To which I responded, ‘I am pondering what you have said to me. I wonder if I have the soul of a slave. I cannot join them, so I must sit apart.’ ‘‘‘My dowry was large and my lord married me because of it. Yet he does not desire me. What every woman longs for is to be desired. Because of this and because I am barren and have neither son nor daughter, must I sit apart. Were I a man I would rather die than be such a slave, but the conventions of our tribe make slaves of women.’ “‘What think thou of me by this time?’ I asked her suddenly, ‘Have I the soul of a man or have I the soul of a slave?’ “‘Have you a desire to repay the just debts you owe in Babylon?’ she parried. “‘Yes, I have the desire, but I see no way.’ “‘If thou contentedly let the years slip by and make no effort to repay, then thou hast but the contemptible soul of a slave. No man is otherwise who cannot respect himself and no man can respect himself who does not repay honest debts.’ “‘But what can I do who am a slave in Syria?’ “‘Stay a slave in Syria, thou weakling.’ “‘I am not a weakling,’ I denied hotly. “‘Then prove it.’ “‘How?’ “‘Does not thy great king fight his enemies in every way he can and with every force he has? “‘Thy debts are thy enemies. They ran thee out of Babylon. You left them alone and they grew too strong for thee. Hadst fought them as a man, thou couldst have conquered them and been one honored among the townspeople. But thou had not the soul to fight them and behold thy pride hast gone down until thou art a slave in Syria.’ “Much I thought over her unkind accusations and many defensive phrases I worded to prove myself not a slave at heart, but I was not to have the chance to use them. Three days later the maid of Sira took me to her mistress. “‘My mother is again very sick,’ she said. ‘Saddle the two best camels in my husband’s herd. Tie on water skins and saddle bags for a long journey. The maid will give thee food at the kitchen tent.’ I packed the camels wondering much at the quantity of provisions the maid provided, for the mother dwelt less than a day’s journey away. The maid rode the rear camel which followed and I led the camel of my mistress. When we reached her mother’s house it was just dark. Sira dismissed the maid and said to me: “‘Dabasir, hast thou the soul of a free man or the soul of a slave?’ ‘The soul of a free man,’ I insisted. “‘Now is thy chance to prove it. Thy master hath imbibed deeply and his chiefs are in a stupor. Take then these camels and make thy escape. Here in this bag is raiment of thy master’s to disguise thee. I will say thou stole the camels and ran away while I visited my sick mother.’ “‘Thou hast the soul of a queen,’ I told her. ‘Much do I wish that I might lead thee to happiness.’ “‘Happiness,’ she responded, ‘awaits not the runaway wife who seeks it in far lands among strange people. Go thy own way and may the gods of the desert protect thee for the way is far and barren of food or water.’ “I needed no further urging, but thanked her warmly and was away into the night. I knew not this strange country and had only a dim idea of the direction in which lay Babylon, but struck out bravely across the desert toward the hills. One camel I rode and the other I led. All that night I traveled and all the next day, urged on by the knowledge of the terrible fate that was meted out to slaves who stole their master’s property and tried to escape. “Late that afternoon, I reached a rough country as uninhabitable as the desert. The sharp rocks bruised the feet of my faithful camels and soon they were picking their way slowly and painfully along. “I met neither man nor beast and could well understand why they shunned this inhospitable land. “It was such a journey from then on as few men live to tell of. Day after day we plodded along. “Food and water gave out. The heat of the sun was merciless. At the end of the ninth day, I slid from the back of my mount with the feeling that I was too weak to ever remount and I would surely die, lost in this abandoned country. “I stretched out upon the ground and slept, not waking until the first gleam of daylight. “I sat up and looked about me. There was a coolness in the morning air. My camels lay dejected not far away. About me was a vast waste of broken country covered with rock and sand and thorny things, no sign of water, naught to eat for man or camel. “Could it be that in this peaceful quiet I faced my end? My mind was clearer than it had ever been before. My body now seemed of little importance. My parched and bleeding lips, my dry and swollen tongue, my empty stomach, all had lost their supreme agonies of the day before. “I looked across into the uninviting distance and once again came to me the question, ‘Have I the soul of a slave or the soul of a free man?’ Then with clearness I realized that if I had the soul of a slave, I should give up, lie down in the desert and die, a fitting end for a runaway slave. “But if I had the soul of a free man, what then? Surely I would force my way back to Babylon, repay the people who had trusted me, bring happiness to my wife who truly loved me and bring peace and contentment to my parents. “‘Thy debts are thine enemies who have run thee out of Babylon,’ Sira had said. Yes it was so. Why had I refused to stand my ground like a man? Why had I permitted my wife to go back to her father? Thy debts are thine enemies. “Then a strange thing happened. All the world seemed to be of a different color as though I had been looking at it through a colored stone which had suddenly been removed. At last I saw the true values in life. “Die in the desert! Not I! With a new vision, I saw the things that I must do. “First I would go back to Babylon and face every man to whom I owed an unpaid debt. I should tell them that after years of wandering and misfortune, I had come back to pay my debts as fast as the gods would permit. Next I should make a home for my wife and become a citizen of whom my parents should be proud. “My debts were my enemies, but the men I owed were my friends for they had trusted me and believed in me. “I staggered weakly to my feet. What mattered hunger? What mattered thirst? They were but incidents on the road to Babylon. Within me surged the soul of a free man going back to conquer his enemies and reward his friends. I thrilled with the great resolve. “The glazed eyes of my camels brightened at the new note in my husky voice. With great effort, after many attempts, they gained their feet. With pitiful perseverance, they pushed on toward the north where something within me said we would find Babylon. “We found water. We passed into a more fertile country where were grass and fruit. We found the trail to Babylon because the soul of a free man looks at life as a series of problems to be solved and solves them, while the soul of a slave whines, ‘What can I do who am but a slave?’ “How about thee, Tarkad? Dost thy empty stomach make thy head exceedingly clear? Art ready to take the road that leads back to self-respect? Canst thou see the world in its true color? Hast thou the desire to pay thy honest debts, however many they may be, and once again be a man respected in Babylon?” Moisture came to the eyes of the youth. He rose eagerly to his knees. “Thou has shown me a vision; already I feel the soul of a free man surge within me.” “But how fared you upon your return?” questioned an interested listener. “Where the determination is, the way can be found” Dabasir replied. “I now had the determination so I set out to find a way. First I visited every man to whom I was indebted and begged his indulgence until I could earn that with which to repay. Most of them met me gladly. Several reviled me but others offered to help me; one indeed did give me the very help I needed. It was Mathon, the gold lender. Learning that I had been a camel tender in Syria; he sent me to old Nebatur, the camel trader, just commissioned by our good king to purchase many herds of sound camels for the great expedition. With him, my knowledge of camels I put to good use. Gradually I was able to repay every copper and every piece of silver. Then at last I could hold up my head and feel that I was an honourable man among men.” Again Dabasir turned to his food. “Kauskor, thou snail,” he called loudly to be heard in the kitchen, “the food is cold. Bring me more meat fresh from the roasting. Bring thou also a very large portion for Tarkad, the son of my old friend, who is hungry and shall eat with me.” So ended the tale of Dabasir the camel trader of old Babylon. He found his own soul when he realized a great truth, a truth that had been known and used by wise men long before his time. It has led men of all ages out of difficulties and into success and it will continue to do so for those who have the wisdom to understand its magic power. It is for any man to use who reads these lines. Where the Determination Is, The Way Can Be Found Chapter 17 The Clay Tablets From Babylon St. Swithin’s College Nottingham University Newark-on-Trent Nottingham Professor Franklin Caldwell, Care of British Scientific Expedition, Hillah, Mesopotamia. October 21, 1934. My dear Professor: The five clay tablets from your recent excavation in the ruins of Babylon arrived on the same boat with your letter. I have been fascinated no end, and have spent many pleasant hours translating their inscriptions. I should have answered your letter at once but delayed until I could complete the translations which are attached. The tablets arrived without damage, thanks to your careful use of preservatives and excellent packing. You will be as astonished as we in the laboratory at the story they relate. One expects the dim and distant past to speak of romance and adventure. “Arabian Nights” sort of things, you know. When instead it discloses the problem of a person named Dabasir to pay off his debts, one realizes that conditions upon this old world have not changed as much in five thousand years as one might expect. It’s odd, you know, but these old inscriptions rather “rage” me, as the students say. Being a college professor, I am supposed to be a thinking human being possessing a working knowledge of most subjects. Yet, here comes this old chap out of the dust-covered ruins of Babylon to offer a way I had never heard of to pay off my debts and at the same time acquire gold to jingle in my wallet. Pleasant thought, I say, and interesting to prove whether it will work as well nowadays as it did in old Babylon. Mrs. Shrewsbury and myself are planning to try out his plan upon our own affairs which could be much improved. Wishing you the best of luck in your worthy undertaking and waiting eagerly another opportunity to assist, I am Yours sincerely, Alfred H. Shewsbury, Department of Archaeology. TABLET NO. I Now, when the moon becometh full, I, Dabasir, who am but recently returned from slavery in Syria, with the determination to pay my many just debts and become a man of means worthy of respect in my native city of Babylon, do here engrave upon the clay a permanent record of my affairs to guide and assist me in carrying through my high desires. Under the wise advice of my good friend Mathon, the gold lender, I am determined to follow an exact plan that he doth say will lead any honorable man out of debt into means and self-respect. This plan includeth three purposes which are my hope and desire. First, the plan doth provide for my future prosperity. Therefore one-tenth of all I earn shall be set aside as my own to keep. For Mathon speaketh wisely when he saith: “That man who keepeth in his purse both gold and silver that he need not spend is good to his family and loyal to his king. “The man who hath but a few coppers in his purse is indifferent to his family and indifferent to his king. “But the man who hath naught in his purse is unkind to his family and is disloyal to his king, for his own heart is bitter. “Therefore, the man who wisheth to achieve must have coin that he may keep to jingle in his purse, that he have in his heart love for his family and loyalty to his king.” Second, the plan doth provide that I shall support and clothe my good wife who hath returned to me with loyalty from the house of her father. For Mathon doth say that to take good care of a faithful wife putteth self-respect into the heart of a man and addeth strength and determination to his purposes. Therefore seven-tenths of all I earn shall be used to provide a home, clothes to wear, and food to eat, with a bit extra to spend, that our lives be not lacking in pleasure and enjoyment. But he doth further enjoin the greatest care that we spend not greater than seven-tenths of what I earn for these worthy purposes. Herein lieth the success of the plan. I must live upon this portion and never use more nor buy what I may not pay for out of this portion. I must live upon this portion and never use more nor buy what I may not pay for out of this portion. TABLET NO. II Third, the plan doth provide that out of my earnings my debts shall be paid. Therefore each time the moon is full, two-tenths of all I have earned shall be divided honourably and fairly among those who have trusted me and to whom I am indebted.* Thus in due time will all my indebtedness be surely paid. Therefore, do I here engrave the name of every man to whom I am indebted and the honest amount of my debt. Fahru, the cloth weaver, 2 silver, 6 copper. Sinjar, the couch maker, 1 silver. Ahmar, my friend, 3 silver, 1 copper. Zankar, my friend, 4 silver, 7 copper, Askamir, my friend, 1 silver, 3 copper. Harinsir, the Jewelmaker, 6 silver, 2 copper. Diarbeker, my father’s friend, 4 silver, 1 copper. Alkahad, the house owner, 14 silver. Mathon, the gold lender, 9 silver. Birejik, the farmer, 1 silver, 7 copper. (From here on, disintegrated. Cannot be deciphered.) Out of my earnings my debts shall be paid. TABLET NO. III To these creditors do I owe in total one hundred and nineteen pieces of silver and one hundred and forty-one pieces of copper. Because I did owe these sums and saw no way to repay, in my folly I did permit my wife to return to her father and didst leave my native city and seek easy wealth elsewhere, only to find disaster and to see myself sold into the degradation of slavery. Now that Mathon doth show me how I can repay my debts in small sums of my earnings, do I realize the great extent of my folly in running away from the results of my extravagances. Therefore have I visited my creditors and explained to them that I have no resources with which to pay except my ability to earn, and that I intend to apply two tenths of all I earn upon my indebtedness evenly and honestly. This much can I pay but no more. Therefore if they be patient, in time my obligations will be paid in full. Ahmar, whom I thought my best friend, reviled me bitterly and I left him in humiliation. Birejik, the farmer, pleaded that I pay him first as he didst badly need help. Alkahad, the house owner, was indeed disagreeable and insisted that he would make me trouble unless I didst soon settle in full with him. All the rest willingly accepted my proposal. Therefore am I more determined than ever to carry through, being convinced that it is easier to pay one’s just debts than to avoid them. Even though I cannot meet the needs and demands of a few of my creditors I will deal impartially with all. I will deal impartially with all. TABLET NO. IV Again the moon shines full. I have worked hard with a free mind. My good wife hath supported my intentions to pay my creditors. Because of our wise determination, I have earned during the past moon, buying camels of sound wind and good legs, for Nebatur, the sum of nineteen pieces of silver. This I have divided according to the plan. One-tenth have I set aside to keep as my own, seven-tenths have I divided with my good wife to pay for our living. Two-tenths have I divided among my creditors as evenly as could be done in coppers. I did not see Ahmar but left it with his wife. Birejik was so pleased he would kiss my hand. Old Alkahad alone was grouchy and said I must pay faster. To which I replied that if I were permitted to be well fed and not worried, that alone would enable me to pay faster. All the others thanked me and spoke well of my efforts. Therefore, at the end of one moon, my indebtedness is reduced by almost four pieces of silver and I possess almost two pieces of silver besides, upon which no man hath claim. My heart is lighter than it hath been for a long time. Again the moon shines full. I have worked hard but with poor success. Few camels have I been able to buy. Only eleven pieces of silver have I earned. Nevertheless my good wife and I have stood by the plan even though we have bought no new raiment and eaten little but herbs. Again I paid ourselves one-tenth of the eleven pieces, while we lived upon seven-tenths. I was surprised when Ahmar commended my payment, even though small. So did Birejik. Alkahad flew into a rage but when told to give back his portion if he did not wish it, he became reconciled. The others, as before, were content. Again the moon shines full and I am greatly rejoiced. I intercepted a fine herd of camels and bought many sound ones, therefore my earnings were forty-two pieces of silver. This moon my wife and myself have bought much needed sandals and raiment Also we have dined well on meat and fowl. More than eight pieces of silver we have paid to our creditors. Even Alkahad did not protest. Great is the plan for it leadeth us out of debt and giveth us wealth which is ours to keep. Three times the moon had been full since I last carved upon this clay. Each time I paid to myself one-tenth of all I earned. Each time my good wife and I have lived upon seven-tenths even though at times it was difficult. Each time have I paid to my creditors two-tenths. In my purse I now have twenty one pieces of silver that are mine. It maketh my head to stand straight upon my shoulders and maketh me proud to walk among my friends. My wife keepeth well our home and is becomingly gowned. We are happy to live together. The plan is of untold value. Hath it not made an honorable man of an exslave? Great is the plan for it leadeth us out of debt and giveth us wealth which is ours to keep. TABLET NO. V Again the moon shines full and I remember that it is long since I carved upon the clay. Twelve moons in truth have come and gone. But this day I will not neglect my record because upon this day I have paid the last of my debts. This is the day upon which my good wife and my thankful self celebrate with great feasting that our determination hath been achieved. Many things occurred upon my final visit to my creditors that I shall long remember. Ahmar begged my forgiveness for his unkind words and said that I was one of all others he most desired for a friend. Old Alkahad is not so bad after all, for he said, “Thou wert once a piece of soft clay to be pressed and moulded by any hand that touched thee, but now thou art a piece of bronze capable of holding an edge. If thou needst silver or gold at any time come to me.” Nor is he the only one who holdeth me in high regard. Many others speak deferentially to me. My good wife looketh upon me with a light in her eyes that doth make a man have confidence in himself. Yet it is the plan that hath made my success. It hath enabled me to pay all my debts and to jingle both gold and silver in my purse. I do commend it to all who wish to get ahead. For truly if it will enable an ex-slave to pay his debts and have gold in his purse, will it not aid any man to find independence? Nor am I, myself, finished with it, for I am convinced that if I follow it further it will make me rich among men. St. Swithin’s College Nottingham University Newark-on-Trent Nottingham Professor Franklin Caldwell, Care of British Scientific Expedition, Hillah, Mesopotamia. November 7th, 1936. My dear professor: If, in your further digging into those ruins of Babylon, you encounter the ghost of a former resident, an old camel trader named Dabasir, do me a favor. Tell him that his scribbling upon those clay tablets, so long ago, has earned for him the lifelong gratitude of a couple of college folks back here in England. You will possibly remember my writing a year ago that Mrs. Shrewsbury and myself intended to try his plan for getting out of debt and at the same time having gold to jingle. You may have guessed, even though we tried to keep it from our friends, our desperate straits. We were frightfully humiliated for years by a lot of old debts and worried sick for fear some of the trades-people might start a scandal that would force me out of the college. We paid and paid—every shilling we could squeeze out of income—but it was hardly enough to hold things even. Besides we were forced to do all our buying where we could get further credit regardless of higher costs. It developed into one of those vicious circles that grow worse instead of better. Our struggles were getting hopeless. We could not move to less costly rooms because we owed the landlord. There did not appear to be anything we could do to improve our situation. Then, here comes your acquaintance, the old camel trader from Babylon, with a plan to do just what we wished to accomplish. He jolly well stirred us up to follow his system. We made a list of all our debts and I took it around and showed it to everyone we owed. I explained how it was simply impossible for me to ever pay them the way things were going along. They could readily see this themselves from the figures. Then I explained that the only way I saw to pay in full was to set aside twenty percent of my income each month to be divided pro rata, which would pay them in full in a little over two years. That, in the meantime, we would go on a cash basis and give them the further benefit of our cash purchases. They were really quite decent. Our greengrocer, a wise old chap, put it in a way that helped to bring around the rest. “If you pay for all you buy and then pay some on what you owe, that is better than you have done, for ye ain’t paid down the account none in three years.” Finally I secured all their names to an agreement binding them not to molest us as long as the twenty percent of income was paid regularly. Then we began scheming on how to live upon seventy percent. We were determined to keep that extra ten percent to jingle. The thought of silver and possibly gold was most alluring. It was like having an adventure to make the change. We enjoyed figuring this way and that, to live comfortably upon that remaining seventy percent. We started with rent and managed to secure a fair reduction. Next we put our favorite brands of tea and such under suspicion and were agreeably surprised how often we could purchase superior qualities at less cost. It was like having an adventure to make the change. We enjoyed figuring this way and that, to live comfortably upon that remaining seventy percent. It is too long a story for a letter but anyhow it did not prove difficult. We managed and right cheerfully at that. What a relief it proved to have our affairs in such a shape we were no longer persecuted by past due accounts. I must not neglect, however, to tell you about that extra ten percent we were supposed to jingle. Well, we did jingle it for some time. Now don’t laugh too soon. You see, that is the sporty part. It is the real fun, to start accumulating money that you do not want to spend. There is more pleasure in running up such a surplus than there could be in spending it. After we had jingled to our hearts’ content, we found a more profitable use for it. We took up an investment upon which we could pay that ten percent each month. This is proving to be the most satisfying part of our regeneration. It is the first thing we pay out of my check. There is more pleasure in running up such a surplus than there could be in spending it. There is a most gratifying sense of security to know our investment is growing steadily. By the time my teaching days are over it should be a snug sum, large enough so the income will take care of us from then on. All this out of my same old check. Difficult to believe, yet absolutely true. All our debts being gradually paid and at the same time our investment increasing. Besides we get along, financially, even better than before. Who would believe there could be such a difference in results between following a financial plan and just drifting along. At the end of the next year, when all our old bills shall have been paid, we will have more to pay upon our investment besides some extra for travel. We are determined never again to permit our living expenses to exceed seventy percent of our income. Now you can understand why we would like to extend our personal thanks to that old chap whose plan saved us from our “Hell on Earth.” He knew. He had been through it all. He wanted others to benefit from his own bitter experiences. That is why he spent tedious hours carving his message upon the clay. He had a real message for fellow sufferers, a message so important that after five thousand years it has risen out of the ruins of Babylon, just as true and just as vital as the day it was buried. Yours sincerely, Alfred H. Shrewsbury, Department of Archaeology. * For more on this principle, see Appendix A: Debts Are Enemies.—MH Chapter 18 The Luckiest Man In Babylon At the head of his caravan, proudly rode Sharru Nada, the merchant prince of Babylon. He liked fine cloth and wore rich and becoming robes. He liked fine animals and sat easily upon his spirited Arabian stallion. To look at him one would hardly have guessed his advanced years. Certainly they would not have suspected that he was inwardly troubled. The journey from Damascus is long and the hardships of the desert many. These he minded not. The Arab tribes are fierce and eager to loot rich caravans. These he feared not for his many fleet mounted guards were a safe protection. About the youth at his side, whom he was bringing from Damascus, was he disturbed. This was Hadan Gula, the grandson of his partner of other years, Arad Gula, to whom he felt he owed a debt of gratitude which could never be repaid. He would like to do something for this grandson, but the more he considered this, the more difficult it seemed because of the youth himself. Eyeing the young man’s rings and earrings, he thought to himself, “He thinks jewels are for men, still he has his grandfather’s strong face. But his grandfather wore no such gaudy robes. Yet, I sought him to come, hoping I might help him get a start for himself and get away from the wreck his father has made of their inheritance.” Hadan Gula broke in upon his thoughts, “Why dost thou work so hard, riding always with thy caravan upon its long journeys? Dost thou never take time to enjoy life?” Sharru Nada smiled. “To enjoy life?” he repeated. “What wouldst thou do to enjoy life if thou wert Sharru Nada?” “If I had wealth equal to thine, I would live like a prince. Never across the hot desert would I ride. I would spend the shekels as fast as they came to my purse. I would wear the richest of robes and the rarest of jewels. That would be a life to my liking, a life worth living.” Both men laughed. “Thy grandfather wore no jewels.” Sharru Nada spoke before he thought, then continued jokingly, “Wouldst thou leave no time for work?” “Work was made for slaves,” Hadan Gula responded. Sharru Nada bit his lip but made no reply, riding in silence until the trail led them to the slope. Here he reined his mount and pointing to the green valley far away, “See, there is the valley. Look far down and thou canst faintly see the walls of Babylon. The tower is the Temple of Bel. If thine eyes are sharp thou mayest even see the smoke from the eternal fire upon its crest.” “So that is Babylon? Always have I longed to see the wealthiest city in all the world,” Hadan Gula commented. “Babylon, where my grandfather started his fortune. Would he were still alive. We would not be so sorely pressed.” “Why wish his spirit to linger on earth beyond its allotted time? Thou and thy father can well carry on his good work.” “Alas, of us, neither has his gift. Father and myself know not his secret for attracting the golden shekels.” Sharru Nada did not reply but gave rein to his mount and rode thoughtfully down the trail to the valley. Behind them followed the caravan in a cloud of reddish dust. Some time later they reached the kings’ highway and turned south through the irrigated farms. Three old men plowing a field caught Sharru Nada’s attention. They seemed strangely familiar. How ridiculous! One does not pass a field after forty years and find the same men plowing there. Yet, something within him said they were the same. One, with an uncertain grip, held the plow. The others laboriously plodded beside the oxen, ineffectually beating them with their barrel staves to keep them pulling. Forty years ago he had envied these men! How gladly he would have exchanged places! But what a difference now. With pride he looked back at his trailing caravan, well-chosen camels and donkeys, loaded high with valuable goods from Damascus. All this was but one of his possessions. He pointed to the plowers, saying, “Still plowing the same field where they were forty years ago.” “They look it, but why thinkest thou they are the same?” “I saw them there,” Sharru Nada replied. Recollections were racing rapidly through his mind. Why could he not bury the past and live in the present? Then he saw, as in a picture, the smiling face of Arad Gula. The barrier between himself and the cynical youth beside him dissolved. But how could he help such a superior youth with his spendthrift ideas and bejeweled hands? Work he could offer in plenty to willing workers, but naught for men who considered themselves too good for work. Yet he owed it to Arad Gula to do something, not a half-hearted attempt. He and Arad Gula had never done things that way. They were not that sort of men. A plan came almost in a flash. There were objections. He must consider his own family and his own standing. It would be cruel; it would hurt. Being a man of quick decisions, he waived objections and decided to act. “Wouldst thou be interested in hearing how thy worthy grandfather and myself joined in the partnership which proved so profitable?” he questioned. “Why not just tell me how thou madest the golden shekels? That is all I need to know,” the young man parried. Sharru Nada ignored the reply and continued, “We start with those men plowing. I was no older than thou. As the column of men in which I marched approached, good old Megiddo, the farmer, scoffed at the slip-shod way in which they plowed. Megiddo was chained next to me. ‘Look at the lazy fellows,’ he protested, ‘the plow holder makes no effort to plow deep, nor do the beaters keep the oxen in the furrow. How can they expect to raise a good crop with poor plowing?” “Didst thou say Megiddo was chained to thee?” Hadan Gula asked in surprise. “Yes, with bronze collars about our necks and a length of heavy chain between us. Next to him was Zabado, the sheep thief. I had known him in Harroun. At the end was a man we called Pirate because he told us not his name. We judged him as a sailor as he had entwined serpents tattooed upon his chest in sailor fashion. The column was made up thus so the men could walk in fours.” “Thou wert chained as a slave?” Hadan Gula asked incredulously. “Did not thy grandfather tell thee I was once a slave?” “He often spoke of thee but never hinted of this.” “He was a man thou couldst trust with innermost secrets. Thou, too, are a man I may trust, am I not right?” Sharru Nada looked him squarely in the eye. “Thou mayest rely upon my silence, but I am amazed. Tell me how didst thou come to be a slave?” Sharru Nada shrugged his shoulders, “Any man may find himself a slave. It was a gaming house and barley beer that brought me disaster. I was the victim of my brother’s indiscretions. In a brawl he killed his friend. I was bonded to the widow by my father, desperate to keep my brother from being prosecuted under the law. When my father could not raise the silver to free me, she in anger sold me to the slave dealer.” “What a shame and injustice!” Hadan Gula protested. “But tell me, how didst thou regain freedom?” “We shall come to that, but not yet. Let us continue my tale. As we passed, the plowers jeered at us. One did doff his ragged hat and bow low, calling out, ‘Welcome to Babylon, guests of the King. He waits for thee on the city walls where the banquet is spread, mud bricks and onion soup.’ With that they laughed uproariously. “Pirate flew into a rage and cursed them roundly. ‘What do those men mean by the King awaiting us on the walls?’ I asked him. “‘To the city walls ye march to carry bricks until the back breaks. Maybe they beat thee to death before it breaks. They won’t beat me. I’ll kill ‘em.’ “Then Megiddo spoke up, ‘It doesn’t make sense to me to talk of masters beating willing, hard-working slaves to death. Masters like good slaves and treat them well.’” “‘Who wants to work hard?’ commented Zabado. ‘Those plowers are wise fellows. They’re not breaking their backs. Just letting on as if they be.’ “‘Thou can’t get ahead by shirking,’ Megiddo protested. ‘If thou plow a hectare, that’s a good day’s work and any master knows it. But when thou plow only a half, that’s shirking. I don’t shirk. I like to work and I like to do good work, for work is the best friend I’ve ever known. It has brought me all the good things I’ve had, my farm and cows and crops, everything.’ “‘Yea, and where be these things now?’ scoffed Zabado. ‘I figure it pays better to be smart and get by without working. You watch Zabado, if we’re sold to the walls, he’ll be carrying the water bag or some easy job when thou, who like to work, will be breaking thy back carrying bricks.’ He laughed his silly laugh. “Terror gripped me that night. I could not sleep. I crowded close to the guard rope, and when the others slept, I attracted the attention of Godoso who was doing the first guard watch. He was one of those brigand Arabs, the sort of rogue who, if he robbed thee of thy purse, would think he must also cut thy throat. “‘Tell me, Godoso,’ I whispered, ‘when we get to Babylon will we be sold to the walls?’ “’Why want to know?’ he questioned cautiously. “‘Canst thou not understand?’ I pleaded. ‘I am young. I want to live. I don’t want to be worked or beaten to death on the walls. Is there any chance for me to get a good master?’ “He whispered back, ‘I tell something. Thou good fellow, give Godoso no trouble. Most times we go first to slave market. Listen now. When buyers come, tell ‘em you good worker, like to work hard for good master. Make ‘em want to buy. You not make ‘em buy, next day you carry brick. Mighty hard work.’ “After he walked away, I lay in the warm sand, looking up at the stars and thinking about work. “What Megiddo had said about it being his best friend made me wonder if it would be my best friend. “Certainly it would be if it helped me out of this. “When Megiddo awoke, I whispered my good news to him. It was our one ray of hope as we marched toward Babylon. Late in the afternoon we approached the walls and could see the lines of men, like black ants, climbing up and down the steep diagonal paths. As we drew closer, we were amazed at the thousands of men working; some were digging in the moat, others mixed the dirt into mud bricks. The greatest number were carrying the bricks in large baskets up those steep trails to the masons.* “Overseers cursed the laggards and cracked bullock whips over the backs of those who failed to keep in line. Poor, worn-out fellows were seen to stagger and fall beneath their heavy baskets, unable to rise again. If the lash failed to bring them to their feet, they were pushed to the side of the paths and left writhing in agony. Soon they would be dragged down to join other craven bodies beside the roadway to await un-sanctified graves. As I beheld the ghastly sight, I shuddered. So this was what awaited my father’s son if he failed at the slave market. “Godoso had been right. We were taken through the gates of the city to the slave prison and next morning marched to the pens in the market. Here the rest of the men huddled in fear and only the whips of our guard could keep them moving so the buyers could examine them. Megiddo and myself eagerly talked to every man who permitted us to address him. “The slave dealer brought soldiers from the King’s Guard who shackled Pirate and brutally beat him when he protested. As they led him away, I felt sorry for him. “Megiddo felt that we would soon part. When no buyers were near, he talked to me earnestly to impress upon me how valuable work would be to me in the future: ‘Some men hate it. They make it their enemy. Better to treat it like a friend, make thyself like it. Don’t mind because it is hard. If thou thinkest about what a good house thou build, then who cares if the beams are heavy and it is far from the well to carry the water for the plaster. Promise me, boy, if thou get a master, work for him as hard as thou canst. If he does not appreciate all thou do, never mind. Remember, work, well-done, does good to the man who does it. It makes him a better man.’ He stopped as a burly farmer came to the enclosure and looked at us critically. “Megiddo asked about his farm and crops, soon convincing him that he would be a valuable man. After violent bargaining with the slave dealer, the farmer drew a fat purse from beneath his robe, and soon Megiddo had followed his new master out of sight. “A few other men were sold during the morning. At noon Godoso confided to me that the dealer was disgusted and would not stay over another night but would take all who remained at sundown to the King’s buyer. I was becoming desperate when a fat, good-natured man walked up to the wall and inquired if there was a baker among us. “I approached him saying, ‘Why should a good baker like thyself seek another baker of inferior ways? Would it not be easier to teach a willing man like myself thy skilled ways? Look at me, I am young, strong and like to work. Give me a chance and I will do my best to earn gold and silver for thy purse.’ “He was impressed by my willingness and began bargaining with the dealer who had never noticed me since he had bought me but now waxed eloquent on my abilities, good health and good disposition. I felt like a fat ox being sold to a butcher. At last, much to my joy, the deal was closed. I followed my new master away, thinking I was the luckiest man in Babylon. “My new home was much to my liking. Nana-naid, my master, taught me how to grind the barley in the stone bowl that stood in the courtyard, how to build the fire in the oven and then how to grind very fine the sesame flour for the honey cakes. I had a couch in the shed where his grain was stored. The old slave housekeeper, Swasti, fed me well and was pleased at the way I helped her with the heavy tasks. “Here was the chance I had longed for to make myself valuable to my master and, I hoped, to find a way to earn my freedom. “I asked Nana-naid to show me how to knead the bread and to bake. This he did, much pleased at my willingness. Later, when I could do this well, I asked him to show me how to make the honey cakes, and soon I was doing all the baking. My master was glad to be idle, but Swasti shook her head in disapproval, ‘No work to do is bad for any man,’ she declared. No work to do is bad for any man. “I felt it was time for me to think of a way by which I might start to earn coins to buy my freedom. As the baking was finished at noon, I thought Nananaid would approve if I found profitable employment for the afternoons and might share my earnings with me. Then the thought came to me, why not bake more of the honey cakes and peddle them to hungry men upon the streets of the city? “I presented my plan to Nana-naid this way: ‘If I can use my afternoons after the baking is finished to earn for thee coins, would it be only fair for thee to share my earnings with me that I might have money of my own to spend for those things which every man desires and needs? “‘Fair enough, fair enough,’ he admitted. When I told him of my plan to peddle our honey cakes, he was well pleased. ‘Here is what we will do,’ he suggested. ‘Thou sellest them at two for a penny, then half of the pennies will be mine to pay for the flour and the honey and the wood to bake them. Of the rest, I shall take half and thou shall keep half.’ “I was much pleased by his generous offer that I might keep for myself, one fourth of my sales. “That night I worked late to make a tray upon which to display them. Nana-naid gave me one of his worn robes that I might look well, and Swasti helped me patch it and wash it clean. “The next day I baked an extra supply of honey cakes. They looked brown and tempting upon the tray as I went along the street, loudly calling my wares. At first no one seemed interested, and I became discouraged. I kept on and later in the afternoon as men became hungry, the cakes began to sell and soon my tray was empty. “Nana-naid was well pleased with my success and gladly paid me my share. I was delighted to own pennies. Megiddo had been right when he said a master appreciated good work from his slaves. “That night I was so excited over my success I could hardly sleep and tried to figure how much I could earn in a year and how many years would be required to buy my freedom. “As I went forth with my tray of cakes every day, I soon found regular customers. One of these was none other than thy grandfather, Arad Gula. He was a rug merchant and sold to the housewives, going from one end of the city to the other, accompanied by a donkey loaded high with rugs and a black slave to tend it. He would buy two cakes for himself and two for his slave, always tarrying to talk with me while they ate them. “Thy grandfather said something to me one day that I shall always remember. ‘I like thy cakes, boy, but better still I like the fine enterprise with which thou offerest them. Such spirit can carry thee far on the road to success.’ “But how canst thou understand, Hadan Gula, what such words of encouragement could mean to a slave boy, lonesome in a great city, struggling with all he had in him to find a way out of his humiliation? “As the months went by I continued to add pennies to my purse. It began to have a comforting weight upon my belt. Work was proving to be my best friend Just as Megiddo had said. I was happy but Swasti was worried. “‘Thy master, I fear to have him spend so much time at the gaming houses,’ she protested. “I was overjoyed one day to meet my friend Megiddo upon the street. He was leading three donkeys loaded with vegetables to the market. ‘I am doing mighty well,’ he said. ‘My master does appreciate my good work for now I am a foreman. See, he does trust the marketing to me, and also he is sending for my family. Work is helping me to recover from my great trouble. Some day it will help me to buy my freedom and once more own a farm of my own.’ “Time went on and Nana-naid became more and more anxious for me to return from selling. He would be waiting when I returned and would eagerly count and divide our money. He would also urge me to seek further markets and increase my sales. “Often I went outside the city gates to solicit the overseers of the slaves building the walls. I hated to return to the disagreeable sights but found the overseers liberal buyers. One day I was surprised to see Zabado waiting in line to fill his basket with bricks. He was gaunt and bent, and his back was covered with welts and sores from the whips of the overseers. I was sorry for him and handed him a cake which he crushed into his mouth like a hungry animal. Seeing the greedy look in his eyes, I ran before he could grab my tray. “‘Why dost thou work so hard?’ Arad Gula said to me one day. Almost the same question thou asked of me today, dost thou remember? I told him what Megiddo had said about work and how it was proving to be my best friend. I showed him with pride my wallet of pennies and explained how I was saving them to buy my freedom. “‘When thou art free, what wilt thou do?’ he inquired. “‘Then,’ I answered, ‘I intend to become a merchant.’ “‘At that, he confided in me. Something I had never suspected. ‘Thou knowest not that I, also, am a slave. I am in partnership with my master.’ “Stop,” demanded Hadan Gula. ‘I will not listen to lies defaming my grandfather. He was no slave.” His eyes blazed in anger. Sharru Nada remained calm. “I honor him for rising above his misfortune and becoming a leading citizen of Damascus. Art thou, his grandson, cast of the same mold? Art thou man enough to face true facts, or dost thou prefer to live under false illusions?” Hadan Gula straightened in his saddle. In a voice suppressed with deep emotion he replied, “My grandfather was beloved by all. Countless were his good deeds. When the famine came did not his gold buy grain in Egypt and did not his caravan bring it to Damascus and distribute it to the people so none would starve? Now thou sayest he was but a despised slave in Babylon.” “Had he remained a slave in Babylon, then he might well have been despised, but when, through his own efforts, he became a great man in Damascus, the Gods indeed condoned his misfortunes and honored him with their respect,” Sharru Nada replied. “After telling me that he was a slave,” Sharru Nada continued, “he explained how anxious he had been to earn his freedom. Now that he had enough money to buy this he was much disturbed as to what he should do. He was no longer making good sales and feared to leave the support of his master. “I protested his indecision: ‘Cling no longer to thy master. Get once again the feeling of being a free man. Act like a free man and succeed like one! Decide what thou desirest to accomplish and then work will aid thee to achieve it!’ He went on his way saying he was glad I had shamed him for his cowardice.* “One day I went outside the gates again, and was surprised to find a great crowd gathering there. When I asked a man for an explanation he replied: ‘Hast thou not heard? An escaped slave who murdered one of the King’s guards has been brought to justice and will this day be flogged to death for his crime. Even the King himself is to be here.’ “So dense was the crowd about the flogging post, I feared to go near lest my tray of honey cakes be upset. Therefore, I climbed up the unfinished wall to see over the heads of the people. I was fortunate in having a view of Nebuchadnezzar himself as he rode by in his golden chariot. Never had I beheld such grandeur, such robes and hangings of gold cloth and velvet. “I could not see the flogging though I could hear the shrieks of the poor slave. I wandered how one so noble as our handsome King could endure to see such suffering, yet when I saw he was laughing and joking with his nobles, I knew he was cruel and understood why such inhuman tasks were demanded of the slaves building the walls. “After the slave was dead, his body was hung upon a pole by a rope attached to his leg so all might see. As the crowd began to thin, I went close. On the hairy chest, I saw tattooed, two entwined serpents. It was Pirate. “The next time I met Arad Gula he was a changed man. Full of enthusiasm he greeted me: ‘Behold, the slave thou knewest is now a free man. There was magic in thy words. Already my sales and my profits are increasing. My wife is overjoyed. She was a free woman, the niece of my master. She much desires that we move to a strange city where no man shall know I was once a slave. Thus our children shall be above reproach for their father’s misfortune. Work has become my best helper. It has enabled me to recapture my confidence and my skill to sell.’ “I was overjoyed that I had been able even in a small way, to repay him for the encouragement he had given me. “One evening Swasti came to me in deep distress: ‘Thy master is in trouble. I fear for him. ‘Some months ago he lost much at the gaming tables. He pays not the farmer for his grain nor his honey. ‘He pays not the money lender. They are angry and threaten him.’ “‘Why should we worry over his folly. We are not his keepers,’ I replied thoughtlessly. “‘Foolish youth, thou understandeth not. To the money lender didst he give thy title to secure a loan. Under the law he can claim thee and sell thee. I know not what to do. He is a good master. Why? Oh why, should such trouble come upon him?’ “Not were Swasti’s fears groundless. While I was doing the baking next morning, the money lender returned with a man he called Sasi. This man looked me over and said I would do. “The money lender waited not for my master to return but told Swasti to tell him he had taken me. With only the robe on my back and the purse of pennies hanging safely from my belt, I was hurried away from the unfinished baking. “I was whirled away from my dearest hopes as the hurricane snatches the tree from the forest and casts it into the surging sea. Again a gaming house and barley beer had caused me disaster. “Sasi was a blunt, gruff man. As he led me across the city, I told him of the good work I had been doing for Nana-naid and said I hoped to do good work for him. His reply offered no encouragement: ‘I like not this work. My master likes it not. The King has told him to send me to build a section of the Grand Canal. Master tells Sasi to buy more slaves, work hard and finish quick. Bah, how can any man finish a big job quick?’ “Picture a desert with not a tree, just low shrubs and a sun burning with such fury the water in our barrels became so hot we could scarcely drink it. Then picture rows of men, going down into the deep excavation and lugging heavy baskets of dirt up soft, dusty trails from daylight until dark. Picture food served in open troughs from which we helped ourselves like swine. We had no tents, no straw for beds. That was the situation in which I found myself. I buried my wallet in a marked spot, wondering if I would ever dig it up again. “At first I worked with good will, but as the months dragged on, I felt my spirit breaking. Then the heat fever took hold of my weary body. I lost my appetite and could scarcely eat the mutton and vegetables. At night I would toss in unhappy wakefulness. “In my misery, I wondered if Zabado had not the best plan, to shirk and keep his back from being broken in work. Then I recalled my last sight of him and knew his plan was not good. “I thought of Pirate with his bitterness and wondered if it might be just as well to fight and kill. The memory of his bleeding body reminded me that his plan was also useless. “Then I remembered my last sight of Megiddo. His hands were deeply calloused from hard work but his heart was light and there was happiness on his face. His was the best plan. “Yet I was just as willing to work as Megiddo; he could not have worked harder than I. Why did not my work bring me happiness and success? Was it work that brought Megiddo happiness, or was happiness and success merely in the laps of the Gods? Was I to work the rest of my life without gaining my desires, without happiness and success? All of these questions were jumbled in my mind and I had not an answer. Indeed, I was sorely confused. “Several days later when it seemed that I was at the end of my endurance and my questions still unanswered, Sasi sent for me. A messenger had come from my master to take me back to Babylon. I dug up my precious wallet, wrapped myself in the tattered remnants of my robe and was on my way. “As we rode, the same thoughts of a hurricane whirling me hither and thither kept racing through my feverish brain. I seemed to be living the weird words of a chant from my native town of Harroun: Besetting a man like a whirlwind, Driving him like a storm, Whose course no one can foliate, Whose destiny no one can foretell. “Was I destined to be ever thus punished for I knew not what? What new miseries and disappointments awaited me? “When we rode to the courtyard of my master’s house, imagine my surprise when I saw Arad Gula awaiting me. He helped me down and hugged me like a long lost brother. “As we went our way I would have followed him as a slave should follow his master, but he would not permit me. He put his arm about me, saying, ‘I hunted everywhere for thee. When I had almost given up hope, I did meet Swasti who told me of the money lender, who directed me to thy noble owner. A hard bargain he did drive and made me pay an outrageous price, but thou art worth it. Thy philosophy and thy enterprise have been my inspiration to this new success.” “‘Megiddo’s philosophy, not mine,’ I interrupted. “‘Megiddo’s and thine. Thanks to thee both, we are going to Damascus and I need thee for my partner. “‘See,’ he exclaimed, ‘in one moment thou will be a free man!’ So saying he drew from beneath his robe the clay tablet carrying my title. This he raised above his head and hurled it to break in a hundred pieces upon the cobble stones. With glee he stamped upon the fragments until they were but dust. “Tears of gratitude filled my eyes. I knew I was the luckiest man in Babylon. “Work, thou see, by this, in the time of my greatest distress, didst prove to be my best friend. “My willingness to work enabled me to escape from being sold to join the slave gangs upon the walls. It also so impressed thy grandfather, he selected me for his partner.” Then Hadan Gula questioned, “Was work my grandfather’s secret key to the golden shekels?” “It was the only key he had when I first knew him,” Sharru Nada replied. “Thy grandfather enjoyed working. The Gods appreciated his efforts and rewarded him liberally.” “I begin to see,” Hadan Gula was speaking thoughtfully. “Work attracted his many friends who admired his industry and the success it brought. Work brought him the honors he enjoyed so much in Damascus. Work brought him all those things I have approved. And I thought work was fit only for slaves.” “Life is rich with many pleasures for men to enjoy,” Sharru Nada commented. “Each has its place. I am glad that work is not reserved for slaves. Were that the case I would be deprived of my greatest pleasure. Many things do I enjoy but nothing takes the place of work.” Sharru Nada and Hadan Gula rode in the shadows of the towering walls up to the massive, bronze gates of Babylon. At their approach the gate guards jumped to attention and respectfully saluted an honored citizen. With head held high Sharru Nada led the long caravan through the gates and up the streets of the city. “I have always hoped to be a man like my grandfather,” Hadan Gula confided to him. “Never before did I realize just what kind of man he was. This thou hast shown me. Now that I understand, I do admire him all the more and feel more determined to be like him. I fear I can never repay thee for giving me the true key to his success. From this day forth, I shall use his key. I shall start humbly as he started, which befits my true station far better than jewels and fine robes.” So saying Hadan Gula pulled the jeweled baubles from his ears and the rings from his fingers. Then reining his horse, He dropped back and rode with deep respect behind the leader of the caravan. * The famous works of ancient Babylon, its walls, temples, hanging gardens and great canals, were built by slave labor, mainly prisoners of war, which explain the inhuman treatment they received. This force of workmen also included many citizens of Babylon and its provinces who had been sold into slavery because of crimes or financial troubles. It was a common custom for men to put themselves, their wives or their children up as a bond to guarantee payment of loans, legal judgments or other obligations. In case of default, those so bonded were sold into slavery. * Slave customs in ancient Babylon, though they may seem inconsistent to us, were strictly regulated by law. For example, a slave could own property of any kind, even other slaves upon which his master had no claim. Slaves intermarried freely with non-slaves. Children of free mothers were free. Most of the city merchants were slaves. Many of these were in partnership with their masters and wealthy in their own right. Appendix A Debts Are Enemies By Mitch Horowitz In a vital and often overlooked point, George S. Clason wrote that you must dedicate twice the sum of your regular savings—your ten-percent minimum— to paying down debt. I set aside ten percent and endeavor to pay down debt at twenty percent. Indeed, Clason urges that you do everything you can, both financially and as a matter of personal and ethical resolve, to get debt-free. There is a dimension of psychological wellness and self-respect to reducing debt. In The Richest Man in Babylon one character tells another: Does not thy great king fight his enemies in every way he can and with every force he has? Thy debts are thy enemies. They ran thee out of Babylon. You left them alone and they grew too strong for thee. Hadst fought them as a man, thou couldst have conquered them and been one honored among the townspeople. But thou had not the soul to fight them and behold thy pride hast gone down until thou are a slave in Syria. The character being spoken to does return to Babylon with steely resolve to clear his name and pay down his debt at which he finally succeeds. As noted, Clason believed that a significant dimension of morale and self-respect are required to sustain the determination to pay down debt. I have personally found this true. I hardly need to tell you about the dangers of revolving debt on credit cards, which generally carry yearly interest rates of more than twenty percent. (Cash advances are even higher—avoid them like exposed electrical wires other than in an emergency.) The compound effects can be staggering. Billionaire Mark Cuban was once asked for his core financial advice for everyday people. Don’t use credit cards, he said. For a billionaire such advice seems plain—and I honor it. But I also know the real-world pressures that lead to debt, including high-interest credit-card debt. The fact is: at some point in life nearly all of us are going to use credit cards to purchase things we need, either medical, educational, or work-related. In such cases, you can attempt to take out a low-interest loan to consolidate and pay off debt. Some banks even offer such loans on the remaining balance of your card—but be wary: while these loans may carry a fixed yearly interest rate as low as 8.99 percent (less than half your average credit-card rate) they often come with a high monthly repayment schedule. Taking them on is the equivalent of a D-Day assault on your debt. Be ready for it. Credit cards or any kind of loans are poison when used to purchase luxuries. A word of advice: always buy or lease a car one step below the class that you can afford. A lawyer told me that he knows a client is responsible when he or she drives a car below their tax bracket; that, he said, is an infallible indicator of financial responsibility. In terms of personal accoutrements, it is far better to pay cash for one or two quality items, such as a Schott leather jacket or Chanel skirt, than a closetful of so-so items purchased on credit. A friend who studied fashion in Paris told me that one of her teachers would come to class each day wearing the same black Chanel skirt. At first, she thought it was weird. Then she realized the teacher was exemplifying a principle. In Rome, the best cabdrivers wear designer suits. In many cases, it is the only suit they own. They always look great. Fashion or consumer items aside, I want to revisit the question: what are appropriate or necessary expenses? In that area I am again guided by the 1860 essay “Wealth” by Ralph Waldo Emerson. The Transcendentalist philosopher declares, chin out, that the individual is “born to be rich.” And by riches, Emerson means cold, hard cash. But he also identifies accumulation of capital as befitting only the person who uses it to productive ends. Emerson writes: Every man is a consumer, and ought to be a producer. He fails to make his place good in the world, unless he not only pays his debt, but also adds something to the common wealth. Nor can he do justice to his genius, without making some larger demand on the world than a bare subsistence. He is by constitution expensive, and needs to be rich. Emerson concludes that only those purchases that expand your power and abilities leave you any richer. Indeed, wealth that fails to accompany expansion is thrown away. “Nor is the man enriched,” he writes, “in repeating the old experiments of animal sensation.” Rather, you are enriched when you increase your ability to earn, to do, and to grow. When you are contemplating a purchase outside of basic needs ask: Is there a circuitry of return on this item or am I just spending money on sensation? Wealth, properly understood, is power—and power must be renewable. Bear that in mind whenever you part with any of your resources, including your time. In sum, Emerson’s advice is to spend in ways that increase your capacity to earn. In today’s terms, that might mean investing in technology, training, and tools of your profession, art, or trade. “The man who seeks to learn more of his craft shall be richly rewarded,” Clason writes. Seen in that light, anything that enhances your abilities is a worthy expense and, to me, a legitimate reason to take on debt if properly managed and monitored. Given that the Covid pandemic shook the finances of nearly every household, I must add a special caveat. During periods of financial crisis, it is vital to maintain liquidity. You must have cash on hand. In such cases, it is advisable to cease paying down debt (other than managing legally minimum payments) in order to sustain your cash access. Depending on the interest rate of your debt, you may instead opt to suspend your ten-percent savings—yet the ten percent set aside can be used for on-hand cash whereas debt repayment does not necessarily translate to liquidity. In all realism, it is sometimes necessary to break a rule in order to remain solvent during periods of crisis. Break or suspend a rule only during periods of true urgency. Finally, I must say a word about a source of debt that Clason did not address and that was not the same issue in his era as it is in ours: medical costs and health insurance. Healthcare, prescriptions, and health insurance present a grave financial difficulty, and often impossibility, for millions of Americans. Political reforms may eventually control pharmaceutical prices, create a public option, expand Medicare, or provide some other form of affordable insurance (universal basic income, or UBI, coupled with price controls, may accomplish this, too), and protect consumers dealing with recalcitrant and misleading insurance companies. The last of these problems could be helped by transparency laws that regulate and shine daylight on arcane coding schemes insurers use to deny or delay coverage. Until reform arrives, or if it ever does, my operative principle is that most health insurance in America today is organized crime with a refrigerator magnet. Hence, their “services”—which are based on a model of taking in as high a premium as possible and paying out as few claims as possible—must be approached with prudential thought and caution. If you work in a corporate or union job and receive good health insurance you are fortunate. Yet even those plans have gaps and lock you into a group model where you have very little consumer choice. If you are an independent worker, service worker, or contractor, the options become thinner and more stressful. Most personal finance writers ignore or gloss over this reality in their programs to wealth and solvency. For example, starting in 2015 (and continuing through 2020) financial journalists fell in love with writing about a Vermont janitor who died with $8 million in the bank, which he left to his local library and hospital. It sounds like a great American parable: the “millionaire next door” makes good through savings and thrift, and it’s all the more touching that the self-made philanthropist was a laborer. But the news coverage omitted one crucial fact. The man served in World War II—and there’s the answer: he had lifelong healthcare through the Veterans Administration. That’s what made it all possible. I know a cat sitter in Manhattan who has amassed a huge portfolio through his Roth IRA. He’s a wonderful eccentric who lives cheaply in a rent-controlled apartment, eschews digital culture, cable, cell service, eating out, and most luxuries. He exists like an urban Thoreau. Like the janitor, he’s also a millionaire. And like his counterpart, he is a veteran, in this case from Vietnam. He receives lifelong VA coverage, which got him through a harrowing illness. If these thrifty men didn’t have VA coverage, all of the money that they wisely invested would’ve been wiped out by a single health emergency, chronic condition, or purchasing of their own insurance. It is that simple. Few people who write on investment strategies or personal finance get it. We need more working people in financial journalism who know what it means to purchase insurance or otherwise cover health costs without a corporate or family net. For freelancers and contractors, I wish I had a magic bullet to offer, but I do not. If you have children then you need insurance; it’s that simple. Some states help close that gap. If you’re single, look carefully at the question of health insurance. Most of the Affordable Care Act plans that are anywhere near affordable are limited in coverage, may not include prescriptions, dental, or eyecare, and come with high deductibles. You might consider whether they are worth it. I wish that there existed catastrophic-care plans that really hold down costs and allow you to plan for emergencies, but those are difficult to find especially if you’re over 40. All I am really trying to say is: if you are independently employed do careful research (including into healthcare savings accounts), consider whether or what coverage makes sense for you, and think flexibly about your needs. Appendix B The 13 Rules of Good Luck By Mitch Horowitz All my life, I’ve been fascinated with the question of good luck. I believe that what we call luck or fortuitous circumstance is not blind chance but rather a network of causative factors, which can be identified and cultivated. As the 1908 occult classic The Kybalion puts it: “Chance is merely a term indicating cause existing but not recognized or perceived.” This is close in nature to chaos theory, although the word complexity might be substituted for chance. In matters of luck, I suggest 13 basic rules: 1. Luck is learnable. 2. Good chemistry is powerfully lucky. 3. To be lucky you must be noticed. 4. Prepared minds win. 5. Sobriety is lucky. 6. Persistence beats odds. (This does not apply to gambling.) 7. Failure can be lucky. 8. No is not always the final answer. 9. Enthusiasm and pessimism are a fortuitous combination. 10. Humiliating people brings bad luck. 11. Recognizing others improves luck. 12. You must help “fate” find you. 13. Lucky people are decisive. I briefly explore each: 1. LUCK IS LEARNABLE A neurosurgeon at the University of Arizona College of Medicine told me never to take notions of luck lightly: “I’ve seen many patients live or die on an operating table based on what we call luck.” Yet we have difficulty saying what luck really is. Good or bad luck could be seen merely as an accident. Yet barring extreme exceptions, is anything truly accidental when cause-and-effect are detectable behind every event, even if only afterwards? Obviously, no one can control myriad and vast factors behind every occurrence. Yet I have observed that certain practices and habits regularly improve good luck or put differently, sway circumstances. This is true even when the recipient is unconscious of what is occurring. A famous actor told my friend his key to success: “Determine the things that make you lucky and then do more of them.” Implicit in his statement is the belief that identifiable actions, habits, relationships, and environments are, by their nature, lucky. Talent and intellect matter; but I have observed, again and again, that pivotal events in people’s lives, and sometimes the arc of their entire adulthoods, result from the presence or absence of the practices and disciplines considered here. If followed, these practices place motivated people into the current of destiny or flow of good luck. 2. CULTIVATE CHEMISTRY The company you select plays a tremendous part not only in the values you live by but also in the opportunities you experience. Never take for granted the powers of relationship and collaboration. Things we attribute to talent alone are, in reality, due to the intangible but vital chemistry that arises from complementary efforts, well-balanced weaknesses and strengths, personal affinities, and shared visions. It also arises from being in the profit center of a particular business. Good chemistry is good luck. Scan your life for it. When you find or already have it, value and maintain it. Flee from the opposite. 3. GET NOTICED You cannot profit from opportunities unless other people, including those of influence, know who you are and what you are doing. This does not mean becoming a slave to social media or a tiresome self-promoter. (Although I must grudgingly note that a not-insignificant number of self-promoters do meet with success.) Rather, you must honestly and plainly make clear to others your actions and enthusiasms. A friend who works in audio publishing once told me she was having difficulty getting noticed at work. She realized that she had been concealing her enthusiasm and dedication. This may have arisen from bad advice she received years earlier. As she told it: I don’t know why I haven’t been sharing my passion at work. It may be because a manager once told me that the way to get ahead in corporate publishing is to “keep your head down.” At the time, I thought that was good, practical advice. It was not. It was a formula for mediocrity. And, most importantly, it is not me. My friend’s realization was right. Keeping your head down is feckless and self-defeating. And it is poor ethics: many people who keep their heads down never learn; they rarely take responsibility; and they make others carry the load for them. Getting noticed and taking responsibility are more likely, in the long run, to place you in the stream of recognition and good luck. If you step up to take responsibility there may be times when you get saddled with blame. And there may be occasions where blame is unfairly pinned on you. But even this can be a reminder of a lucky practice: taking credit when it is given. I once sat in a meeting where a publicist was complimented for scoring an important media hit. “I didn’t really do anything…,” he began to explain. A top executive turned to him and whispered: “Take credit. You’ll get blame when you don’t deserve it, too.” 4. PREPARED MINDS WIN In 1854, the pioneering scientist and germ theorist Louis Pasteur (18221895) said in a lecture at the University of Lille in Northern France: “In the fields of observation chance favors only the prepared mind.” Preparation heightens all fortuitous chance factors around you; it ensures that you’ll be in the proper mental state to notice, receive, and benefit from opportunities. You should know and be reasonably versed in every aspect of your field, even as you focus on a niche or specialty within it. Be aware of current technology and developments. Above all, be an absolute expert within your area of focus. Practice your craft as a martial artist repeatedly runs a routine to the point where it becomes part of his or her innate knowledge. Motivational writer Dale Carnegie (1888-1955) began his career as a teacher of public speaking. A former actor, Carnegie grasped that public speaking was a vital skill for business success in the years following World War I. When preparing for a talk or pitch, Carnegie observed that you should amass so much material that you discard ninety percent of it when speaking. The very fact of your preparation gives you the confidence and power to speak without notes and to deliver a relaxing, enthusiastic, and freestyle performance. Carnegie’s formula is a recipe for good outcomes in all areas of life. Ardent preparation makes you persuasive. Your actions are natural and effortless. You can pivot. You gain childlike exuberance. And, as Pasteur alluded, things have a way of reaching you that would otherwise go undetected. 5. SOBRIETY IS LUCKY A New York City prosecutor once told me: “If you want to avoid violence, keep away from places where large amounts of alcohol are served.” He saw a repeat connection between booze and accidents or violence. A majority of cases that crossed his desk, he said, occurred at clubs, sporting events, picnics, or parties where lots of alcohol was consumed. I enjoy booze and weed and I am not puritanical on this question. But it is self-evident that either going clean or taking an extended break improves productivity, dependability, safety, and earning power. Sometimes the simplest and most impactful thing that you can do to heighten your abilities and avail yourself of opportunities is to get sober, even if for a fixed time. The best part: it is among the few life choices completely in your hands. 6. PERSISTENCE BEATS ODDS I once knew a seasoned editor at one of New York’s largest publishing houses. In truth, he was one of the least talented people I’ve ever met. His every utterance seemed predicated on consensus opinion. He conceived of (and often encumbered) book titles by stringing together lists of stock phrases. His ideas centered on copycatting whatever worked somewhere else. Yet for years I witnessed him survive in a fairly competitive atmosphere. Why? I believe the answer is persistence. If you stick with something long enough and manage to avoid the swing of the thresher, you inevitably experience runs of good luck. And bad luck—more on which in a moment. In the case of this person, a few of the books he published were hits just because of the odds of the wheel of life. Life is a continual ebb and flow. Consider: If a mediocre person can benefit, or at least survive, through the dice roll of chance imagine how much more a truly talented person stands to gain by sticking with a task. If persistence possesses some hidden power, it is this: runs of luck, whether good or bad, always reverse. And in work situations people are far likelier to recognize you for the good runs than the bad. One success can outweigh several failures. That may be irrational but it is how many workplaces function. Hence, it behooves you to stick with things. Or at least those for which you are well suited and personally enjoy. The wheel of fortune will inevitably turn your way. And the gains you reap—especially as a prepared person—outweigh what you lose when the opposite occurs. 7. FAILURE IS LUCKY This isn’t some cute statement. I can think of numerous times when a seeming failure proved lucky for either one of two reasons: A. It protected me from a job, relationship, or course of action for which I was unsuited or from an environment that may have been on the perch of bad luck. I twice lost job bids and felt hurt—but the outcome was lucky. One was at a political magazine whose celebrity editor soon died in a tragic accident, plunging the publication into disorder and failure. Another time it was to head a publishing house that had recently been acquired by an inexperienced buyer who proceeded to gut and nearly wreck the place. B. Other times failures or setbacks lit a fire within me by highlighting my own weaknesses and missteps, which drove me to more intelligent striving and long-term realization of cherished aims. This again touches on persistence. Too much success, too soon, can be self-destructive. I witnessed a talented author get catapulted to sudden notability. Perhaps unprepared, flawed in some deeper way, or both, his success made him insufferable to nearly everyone around him; he took advantage of his status; disrespected people and commitments; and soon grew sufficiently self-satisfied so that his work suffered. Struggle served him better than arrival. Peaking at a young age, which is a different kind of success, can also prove disadvantageous. In addition to issues of emotional preparation, this is because your run of luck arrives early, almost inevitably reverses, and you spend years ahead trying to regain past glories. At one point in my publishing career, I noticed that nearly every writer I worked with who produced books of depth and posterity was already in middle age. They worked all the harder —and extended their runs of luck—because they never took success for granted. 8. NO IS NOT ALWAYS FINAL A businessman I admire was trying to reach a colleague to get together. But the colleague ignored him or put him off. Finally, they did get together—and connected well. My friend asked his formerly hesitant companion why he had resisted meeting. “Well,” the other man said, “you’re someone who has a reputation of not taking no for an answer.” In other words, he considered my friend pushy and wasn’t sure he wanted to meet. My friend responded pensively: “You’re right. I don’t take no for an answer. But it’s because conditions can change and then the answer changes.” Always remember: Conditions can change and then the answer changes. This doesn’t mean being a pest or badgering people—much less sticking around people who don’t appreciate or get you, which is distinctly unlucky. It means keeping open lines of communication and maintaining sound relationships so you can always reapproach someone. Essayist Elbert Hubbard (1856-1915) wrote in his “Credo” in 1912: “I believe that when I part with you I must do it in such a way that when you see me again you will be glad—and so will I.” Conditions in business and other facets of life change or reverse all the time. If you have the capacity to reapproach people, and the presence of mind to do so, you can benefit from those changes. Or as a music industry executive once told me: “Be a pest, but be a nice pest.” I know a successful movie producer who has a talent for not taking no. He is unerringly friendly to nearly everyone. He offends no one and knows when to back off—temporarily. Hence, he is always ready to revisit plans, pitches, and opportunities. When conditions shift in your favor, and someone replaces a no with a yes, accept your good luck gladly—and never remind someone of his or her previous refusals. 9. DO NOT CONFUSE ENTHUSIASM WITH OPTIMISM Ralph Waldo Emerson (1803-1882) famously wrote in his 1841 essay “Circles”: “Nothing great was ever achieved without enthusiasm.” Absent enthusiasm, every task is menial. But never confuse enthusiasm with blind optimism. Indeed, enthusiasm coupled with watchful wariness forms a potent combination. I know a lucky minority of people who continually check and recheck their work. They do so well past the point where another person would stop. When unexpected glitches occur—and they always occur—they catch them before harm is done. You will never regret giving in to that creeping feeling that something may be off. Assuming the worst and rechecking or resaving work will, at one time or another, rescue an important assignment, presentation, legal matter, or exam. Luck favors the pessimistic enthusiast. 10. HUMILIATE NO ONE When you insult or disrespect someone you will forget it a lot sooner than he or she will. In fact, when you really humiliate someone—in a meeting, on social media, or at an event—that person literally never forgets. Emotions form memories. And human nature holds that most people will, at an unexpected moment, strike back if given the opportunity. Life has hidden tendrils of connection. The same holds true in supposedly private emails or texts. Rid yourself of the notion that anything is truly private. Confidential communications are shared all the time. And all of us have had—or will have—the experience of mistakenly hitting “reply all,” or copying the wrong party, maybe even the party you’re talking about. I know at least three people whose jobs were lost due to such innocent errors. Before you hit send, ask yourself if you’ve written anything that would embarrass or harm you if it got read in public. A boss once told her staff never to include anything in an email that they wouldn’t want read aloud in a court of law while sitting on the witness stand. When you’re posting on social media, the temptation to be snarky and sarcastic is omnipresent. People feel disinhibited by distance or anonymity. Always remember that online comments are forever. Anonymity may afford some protection but I have my doubts. And, believe me, when you insult someone online that person remembers it—always. The injured party may circle back at an unexpected moment. An entrepreneur once told me, “When you have the opportunity to be a smartass—don’t.” It could save your job and peace of mind. There are other good reasons too, such as invisible shame and damage to self-respect. 11. RECOGNIZE OTHERS Rather than merely avoiding offense, you should actively buildup people— sincerely and when properly due. Get in the habit of thanking people and recognizing their contribution to a project, and do so in cold, hard cash when the occasion calls for it. Saying thank you is not just a matter of courtesy and ethics, although it is both. By recognizing other people, privately and publicly, you allow them to feel that they benefit from your success and you give them a stake in its continuance. In 1896, philosopher William James (1842–1910) wrote in a letter to his students: “The deepest principle of Human Nature is the craving to be appreciated.” People hunger to be seen. Never underestimate the power of simple recognition. The opposite is also true. If you fail to recognize people, they won’t necessarily hinder your work but they will feel apathy (if not antipathy) toward your needs. I have been thanked innumerable times and truly appreciated it. But, in full disclosure, I more keenly recall when I have not been appropriately thanked. It is a fissure of human nature that we are more likely to recall expectations unfulfilled than fulfilled. It might have to do with some primal need for safety. In any case, it should always be remembered that “invisible helpers” appear based on whether we have thanked and recognized them. Recognizing people is homage to the gods of luck. In matters of money, you can and should additionally remunerate valuable people. But even if you cannot, or have reasons for not doing so, you can accrue similar benefit by paying them quickly. I cannot fully emphasize the goodwill engendered when you pay a contractor, employee, or helper quickly—preferably on completion of a task. That is how you pay a barber or stylist. Why not a freelancer? Quick pay often means as much or more than the fee itself. I know a publisher who pays people by electronic transfer twenty-four to forty-eight hours after delivery of a project. It breeds tremendous loyalty. It is also good ethics. Speed is free. Its dividends are invaluable. 12. HELP “FATE” FIND YOU, OR SHOW UP Are you reliable? A large part of what makes someone reliable is the simple but vital act of showing up and doing so on time. You have no idea how fully other people notice and judge you by this. In today’s culture, people feel at ease bailing on commitments, whether family, social or work-related, for nearly any reason. The need to run an errand is not a sufficient excuse. Busyness is not a sufficient excuse (at least usually). Nor is feeling a bit under-the-weather. We as a culture are, I believe, too self-coddling. We deem things urgent that are merely passing. As philosopher Jacob Needleman (1934–2022) told me: “The only real emergency is a medical emergency.” One night I was speaking with a group of successful photographers. These were people who had distinguished themselves in the hard-knuckled world of photojournalism. Many of them knew each other when they were younger and working as interns at Time magazine in New York. As the night went on, they started trading “war stories.” To laughter all around, one recounted when he was tasked with bringing important film from news coverage across town. On the way he got into a car accident, which wasn’t grave but was serious enough so that an ambulance was called and paramedics removed him from his car. Asked how he was feeling, he replied in halting terms that he needed to get this film across town. The group of photographers laughed at what seemed an absurd mismatch of priorities. The speaker himself was good-natured about it and, since no one was hurt, it was the kind of story that one could look back on and laugh. But consider how few people demonstrate that kind of instinctive dedication. (As it happens, the film did arrive.) Certainly, you could say that it was going too far or that he displayed an unhealthy degree of one- sidedness. But is that really so? Wouldn’t you want your surgeon, nurse, pilot, or caregiver to demonstrate that kind of dedication? The example is perhaps extreme but it highlights the character of those who distinguish themselves. Every photographer who sat in on our discussion had a similar attitude or story. 13. ACT QUICKLY “Time dissipates energy,” a powerful agent once told me. When presented with a good chance—move on it. Slowness dampens or negates opportunities. Quick and decisive action should not be confused with impulsiveness. If you are following all of the rules laid out here you will not fall victim to blind impulse. You will have sufficient information about yourself and your surroundings so that you can act intelligently and quickly when the wheel of fortune stops where you are standing. Intuition arises from amassing and storing a huge amount of information so that when chance arrives the prepared person has “data banks” on which to rely. Jacob Needleman once asked me: “What do you do when someone offers you a gift?” I looked at him blankly. “You accept it!” he replied. When something good comes your way—an offer, a job, an opportunity—do not dither. And if it’s the wrong opportunity, handle it with a quick and courteous refusal. But the unluckiest thing you can do is demonstrate half-heartedness, delay, or silence. No worthy employer or backer respects that. He or she wants to know that your dedication matches their own. When chance arrives, act. In closing, I offer 13 Aphorisms of Good Luck: 1. Good luck is not a happy accident. It is more often a selection of habits and techniques that can be cultivated to maximize desirable events that enter your life. 2. Watch for fruitful collaborations. Valuable chemistry is irreplaceable. In areas of your life where it already exists, honor, cultivate, and maintain it. Good chemistry is at the root of good luck. The opposite is also true. 3. Luck reaches those who are seen. Act with dignity and decorum but ensure that people are aware of your work, passions, and contributions. 4. Luck favors the prepared mind. You can seize chances only when you detect them. The prepared eye notices things no one else does. 5. The decision to quit drinking and drugs—even if for a fixed time—is one of the most powerful you can make. Sobriety increases your effectiveness, output, and opportunities. It is one of the few decisions placed wholly in your hands. 6. Runs of luck always reverse. A fertile period replaces a fallow one. And back again. In workplaces, successes are often remembered more than failures. Hence, persistence beats odds. (This is not true in games of chance.) 7. Failure or setback may rescue you from contact with the wrong people and circumstances. It can also rouse your urge toward selfrefinement. 8. “Conditions can change and then the answer changes.” Watch for chances to revisit missed possibilities—and keep your relational ledger clean so that you can revisit them. 9. Never confuse enthusiasm with optimism. Check and recheck your work. Mishaps will be averted. Entire projects are saved by pessimistic enthusiasm. 10. Any time you humiliate someone you run the risk of laying a hidden timebomb. People rarely forget and sometimes avenge humiliations. (Plus, it’s better not to be a dick.) 11. Thanking and recognizing people—publicly, privately, and sometimes financially—helps them feel a shared stake in your project. They may assist you at subtle and important moments. Neglecting this invites others to feel apathy (if not antipathy) toward your efforts. 12. Luck shines only on those it can reach. Show up. Keep commitments. Be in the flow of life. 13. Opportunities dissipate. When they arrive, act quickly and decisively. If you are prepared, this isn’t impulsivity. Decisiveness is lucky. About the Author Born in Missouri in 1874, GEORGE S. CLASON attended the University of Nebraska and served in the U.S. Army during the Spanish-American War. Soon after the war he founded the Clason Map Company of Denver, Colorado, where he published the first road atlas of the U.S. and Canada. In 1926, Clason began issuing a series of pamphlets on personal finance using fictionalized parables set in ancient Babylon. Banks and insurance companies distributed his pamphlets free to clients and customers, and in 1930 Clason collected and published them in book form, where they became famous as The Richest Man in Babylon. Clason died in Napa, California, in 1957. The Science of Getting Rich Wallace D. Wattles Contents Introduction: The Green Doorknob By Mitch Horowitz Preface Chapter 1 The Right to be Rich Chapter 2 There is a Science of Getting Rich Chapter 3 Is Opportunity Monopolized? Chapter 4 The First Principle in the Science of Getting Rich Chapter 5 Increasing Life Chapter 6 How Riches Come to You Chapter 7 Gratitude Chapter 8 Thinking in a Certain Way Chapter 9 How to Use the Will Chapter 10 Further Use of the Will Chapter 11 Acting in the Certain Way Chapter 12 Efficient Action Chapter 13 Getting into the Right Business Chapter 14 The Impression of Increase Chapter 15 The Advancing Man Chapter 16 Some Cautions, and Concluding Observations Chapter 17 Summary of the Science of Getting Rich About the Author Introduction The Green Doorknob By Mitch Horowitz I want to open this Maple Spring edition of The Science of Getting Rich on a very personal note. The day I began preparing my introduction and annotations to this volume, I randomly came across notes I had made about an intriguing dream from December 23, 2017. I rarely write down my dreams and I had long forgotten this one. The fact that I recorded it spoke to how deeply the dream struck me then—as its unexpected recollection does now. In the dream, I encountered a deceased and beloved spiritual teacher of mine: a powerful, temperamental man with a razor-sharp intellect. He assigned me a certain task, which seemed easy enough. What follows are my notes exactly as I wrote them: But then he gave me another, more difficult task involving painting a DOORKNOB GREEN. Stores with supplies were spotted but were closing, one then another. It would be difficult. I took this to mean perseverance in my aim, and green being money. The truth is: almost no vocation in life proves satisfying unless it is healthfully remunerative. We qualify and flee from that truth, but it catches up with us. Wallace D. Wattles affirms this tough verity over and over in these pages. If you’re like me, you probably require little convincing. Although life invariably places many demands on us, the attainment of money is a constant. Unless you were born affluent, money is likely on your mind every day. Wattles, a man of deep ethical passion and broad-ranging social and spiritual vision, dedicated his book to attainment—and provided metaphysical keys that had worked for him. In presenting his keys, Wattles offered a complete philosophy of life. There is a conflict today in New Thought, or positive-mind, culture. Some seekers want a New Thought that emphasizes personal advancement and ambition. Others believe that New Thought should focus on some conception of social justice—they consider emphasizing money as gauche, unspiritual, or selfish. Wattles’ 1910 classic points the way out of this conflict. The author demonstrates how these two priorities are actually one and the same. A Quaker, social reformer, and early theorist of positive-mind metaphysics, the Indiana seeker believed that the true aim of enrichment is not accumulation of personal resources alone but establishment of a more equitable world of common abundance and possibility. Wattles felt that combining mind-power mechanics with dedication to self-improvement and creativity above sharp-elbowed competition, makes you part of an interlinking chain that leads to a more thriving culture. His slender guidebook The Science of Getting Rich remained obscure among mainstream readers until about 2007. At that time, word spread that The Science of Getting Rich was a source behind Rhonda Byrne’s The Secret. The Science of Getting Rich began to hit bestseller lists nearly a century after the author’s death in 1911. I published a paperback edition that reached number-one on the Bloomberg Businessweek bestseller list. My audio condensation later hit number-two on iTunes. What many of Wattles’ new fans missed, however, was his dedication to the ethic of cooperative advancement and his belief that competition itself is an outmoded idea, soon to be supplanted by the causative faculties of the mind. Once unlocked, he taught, these greater abilities will grant working people the secrets to a life of affluence for themselves and others. Wattles was born in 1860 on an Illinois family farm, where he was still laboring at age 19 in the rural Nunda Township. By the time he emerged as a New Thought leader, the seeker had already been forced to resign from his Methodist pulpit in North Judson, Indiana, in 1900. He had gone too far in his social radicalism, at one point insisting that churches should refuse monetary offerings from businessmen who profited off sweatshop labor. Soon after, he announced his departure from Methodism and grew active in the more liberal environs of Quakerism. Wattles gained allies in mind-power circles—particularly his trailblazing publisher Elizabeth Towne (1865–1960), a Massachusetts suffragette who ran his work in her New Thought journal Nautilus. Towne began the magazine in 1898 as a single mother with two children to support. Her marriage—which began when she dropped out of school at age 14— finally ended in divorce in 1900. Relying on temporary financial backing from her father of $30 a month for six months, Towne built Nautilus into a relative powerhouse of up to 90,000 monthly subscribers with some of her own books surpassing sales of 100,000 copies. Towne ran the journal until age 88 in 1953, making it one of the longest-running spiritual magazines in American history. Her career played out in the political arena, as well. In 1926, Towne was elected the first female alderman in Holyoke, Massachusetts. Two years later she mounted an unsuccessful independent bid for mayor. Towne and her second husband, William, were also active in Theodore Roosevelt’s 1912 Progressive Party campaign for president. Wattles himself made three upstart bids for public office, each time on the ticket of the Socialist Party of America of Eugene V. Debs, to whom he pays tribute in his 1911 book The Science of Being Great. In Indiana, Wattles first campaigned for Congress in the Eighth Congressional District in 1908. After distantly trailing, he ran the following year for mayor of his hometown of Elwood, where he ran a surprisingly close second. Finally, in 1910 he ran for Prosecuting Attorney for Madison County, Indiana, coming in third. During his 1909 mayoral campaign, the delicate-framed man stood before 1,300 striking workers during a heated showdown at a local tin mill and pledged them his support. Rather than a narrowly conceived iteration of the prosperity gospel, The Science of Getting Rich is, in fact, a guidebook to personal utopia, where state and corporate dinosaurs are predicted to wither away, replaced by a cooperative system of personal wealth and beneficent anarchy. By “thinking in a Certain Way,” the author taught, you can at once personally succeed and overthrow the old social order. Wattles wrote: You are to become a creator, not a competitor; you are going to get what you want, but in such a way that when you get it every other man will have more than he has now. I am aware that there are men who get a vast amount of money by proceeding in direct opposition to the statements in the paragraph above, and may add a word of explanation here. Men of the plutocratic type, who become very rich, do so sometimes purely by their extraordinary ability on the plane of competition.… Rockefeller, Carnegie, Morgan, et al., have been the unconscious agents of the Supreme in the necessary work of systematizing and organizing productive industry; and in the end, their work will contribute immensely toward increased life for all. Their day is nearly over; they have organized production, and will soon be succeeded by the agents of the multitude, who will organize the machinery of distribution. If Wattles’ more careful readers detected a tinge of socialist language, they were right. The author saw New Thought as a means to the kind of leisurely socialist utopia that had enthralled legions of readers of Edward Bellamy’s Victorian-era futuristic novel, Looking Backward. Within Wattles there existed a struggle to unite two mighty currents that were sweeping early twentieth century America: social radicalism and mind-power mysticism. Was Wattles’ century-old vision of New Thought and social reform really so utopian? We live in an age of remarkable new discoveries of the mind’s power: physicians have performed successful placebo surgeries and demonstrated the placebo response in weight loss as well as in instances where placebos are transparently administered; in the field called neuroplasticity, brain scans reveal that the brain’s neural pathways are actually “rewired” by thought patterns—a biological act of mind over matter; quantum physics experiments pose extraordinary questions about causality between thought and object, with implications extending to the perceptual basis of reality itself; and academic ESP research repeatedly demonstrates the nonphysical conveyance of data across boundaries of time, space, and mass in laboratory settings. Wattles’ mission was to ask whether these extraordinary possibilities, which were only hinted at in the science of his day, can be applied and experimented with on the material and social scales of life. Wattles did not live long enough to see his book’s influence. Less than a year after it appeared, he died of tuberculosis in 1911 at age fifty while traveling to Ruskin, Tennessee, which had been home to the Ruskin Commonwealth Association, a socialist commune from 1894 to 1901. But Wattles’ calm certainty and confident yet gentle tone as a writer suggest that he understood the portent of what he was conveying. In addition to his numerous books and articles on mind metaphysics, Wattles left behind a sole novel published in 1910, Hell-Fire Harrison, about the adventures of an independent-minded American tobacco farmer and congressman in lateeighteenth century England. Like every great thinker, Wattles left us not with a doctrine but rather with articles of experimentation. The finest thing you can do to honor the memory of this good man—and to advance your own place in life—is to heed his advice: experiment with the capacities of your mind. Try. And if you experience results, as I think you will, do what he did: share what you found. This volume of The Science of Getting Rich is reproduced from one of the earliest extant editions published by Elizabeth Towne on April 1, 1910, in Holyoke, Massachusetts. It includes all of the author’s original passages and word choices, capitalizations and italics. Hence, you are encountering a definitive edition as Wattles originally produced it. My Afternotes, which include exercises and ideas to work with, follow each chapter, with the exception of the preface and summary. Mitch Horowitz is a PEN Award-winning historian whose books include Occult America, One Simple Idea, The Miracle Club, Daydream Believer, Uncertain Places, and Modern Occultism. Preface This book is pragmatical, not philosophical; a practical manual, not a treatise upon theories. It is intended for the men and women whose most pressing need is for money; who wish to get rich first, and philosophize afterward. It is for those who have, so far, found neither the time, the means, nor the opportunity to go deeply into the study of metaphysics, but who want results and who are willing to take the conclusions of science as a basis for action, without going into all the processes by which those conclusions were reached. It is expected that the reader will take the fundamental statements upon faith, just as he would take statements concerning a law of electrical action if they were promulgated by a Marconi or an Edison; and, taking the statements upon faith, that he will prove their truth by acting upon them without fear or hesitation. Every man or woman who does this will certainly get rich; for the science herein applied is an exact science, and failure is impossible. For the benefit, however, of those who wish to investigate philosophical theories and so secure a logical basis for faith, I will here cite certain authorities. The monistic theory of the universe—the theory that One is All, and that All is One; that one Substance manifests itself as the seeming many elements of the material world—is of Hindu origin, and has been gradually winning its way into the thought of the western world for two hundred years. It is the foundation of all the Oriental philosophies, and of those of Descartes, Spinoza, Leibnitz, Schopenhauer, Hegel, and Emerson. The reader who would dig to the philosophical foundations is advised to read Hegel and Emerson; and he will do well to read “The Eternal News,” a very excellent pamphlet published by J. J. Brown, 300 Cathcart Road, Govanhill, Glasgow, Scotland. He may also find some help in a series of articles written by the author, which were published in Nautilus (Holyoke, Mass.) during the spring and summer of 1909, under the title “What is Truth?” In writing this book I have sacrificed all other considerations to plainness and simplicity of style, so that all might understand. The plan of action laid down herein was deduced from the conclusions of philosophy; it has been thoroughly tested, and bears the supreme test of practical experiment; it works. If you wish to know how the conclusions were arrived at, read the writings of the authors mentioned above; and if you wish to reap the fruits of their philosophies in actual practice, read this book and do exactly as it tells you to do. THE AUTHOR. Chapter 1 The Right to be Rich Whatever may be said in praise of poverty, the fact remains that it is not possible to live a really complete or successful life unless one is rich. No man can rise to his greatest possible height in talent or soul development unless he has plenty of money; for to unfold the soul and to develop talent he must have many things to use, and he cannot have these things unless he has money to buy them with. Man develops in mind, soul, and body by making use of things, and society is so organized that man must have money in order to become the possessor of things; therefore, the basis of all advancement for man must be the science of getting rich. The object of all life is development; and everything that lives has an inalienable right to all the development it is capable of attaining. Man’s right to life means his right to have the free and unrestricted use of all the things which may be necessary to his fullest mental, spiritual, and physical unfoldment; or, in other words, his right to be rich. The object of all life is development; and everything that lives has an inalienable right to all the development it is capable of attaining. In this book, I shall not speak of riches in a figurative way; to be really rich does not mean to be satisfied or contented with a little. No man ought to be satisfied with a little if he is capable of using and enjoying more. The purpose of Nature is the advancement and unfoldment of life; and every man should have all that can contribute to the power, elegance, beauty, and richness of life; to be content with less is sinful. The man who owns all he wants for the living of all the life he is capable of living is rich; and no man who has not plenty of money can have all he wants. Life has advanced so far, and become so complex, that even the most ordinary man or woman requires a great amount of wealth in order to live in a manner that even approaches completeness. Every person naturally wants to become all that he is capable of becoming; this desire to realize innate possibilities is inherent in human nature; we cannot help wanting to be all that we can be. Success in life is becoming what you want to be; you can become what you want to be only by making use of things, and you can have the free use of things only as you become rich enough to buy them. To understand the science of getting rich is therefore the most essential of all knowledge. There is nothing wrong in wanting to get rich. The desire for riches is really the desire for a richer, fuller, and more abundant life; and that desire is praiseworthy. The man who does not desire to live more abundantly is abnormal, and so the man who does not desire to have money enough to buy all he wants is abnormal. There is nothing wrong in wanting to get rich. The desire for riches is really the desire for a richer, fuller, and more abundant life; and that desire is praiseworthy. There are three motives for which we live; we live for the body, we live for the mind, and we live for the soul. No one of these is better or holier than the other; all are alike desirable, and no one of the three—body, mind, or soul—can live fully if either of the others is cut short of full life and expression. It is not right or noble to live only for the soul and deny mind or body; and it is wrong to live for the intellect and deny body and soul. We are all acquainted with the loathsome consequences of living for the body and denying both mind and soul; and we see that real life means the complete expression of all that man can give forth through body, mind, and soul. Whatever he may say, no man can be really happy or satisfied unless his body is living fully in every function, and unless the same is true of his mind and his soul. Wherever there is unexpressed possibility, or function not performed, there is unsatisfied desire. Desire is possibility seeking expression, or function seeking performance. Man cannot live fully in body without good food, comfortable clothing, and warm shelter; and without freedom from excessive toil. Rest and recreation are also necessary to his physical life. Desire is possibility seeking expression. He cannot live fully in mind without books and time to study them, without opportunity for travel and observation, or without intellectual companionship. To live fully in mind he must have intellectual recreations, and must surround himself with all the objects of art and beauty he is capable of using and appreciating. To live fully in soul, man must have love; and love is denied expression by poverty. Man’s highest happiness is found in the bestowal of benefits on those he loves; love finds its most natural and spontaneous expression in giving. The man who has nothing to give cannot fill his place as a husband or father, as a citizen, or as a man. It is in the use of material things that man finds full life for his body, develops his mind, and unfolds his soul. It is therefore of supreme importance to him that he should be rich. Man’s highest happiness is found in the bestowal of benefits on those he loves. It is perfectly right that you should desire to be rich; if you are a normal man or woman you cannot help doing so. It is perfectly right that you should give your best attention to the Science of Getting Rich, for it is the noblest and most necessary of all studies. If you neglect this study, you are derelict in your duty to yourself, to God, and to humanity; for you can render God and humanity no greater service than to make the most of yourself. Afternote Wattles is refreshingly blunt about his aims and attitudes in his opening chapter. Hence, it behooves you to be equally blunt with yourself. With complete privacy and unembarrassed frankness ask yourself how you feel about money. If you’re like me you may be surprised to discover unexplored or mixed feelings. I once vacationed in the Central American nation of Belize, a beautiful, lush landscape of rolling hills, deep jungle forests, and winding rivers. The rustic areas of Belize abound with legends, wildlife, and a rich and remarkable culture. We spent the first half of our vacation at an eco-lodge tucked away on a river up in the highlands. Our days were given to canoeing and walking in nature. For the second half of our trip, we stayed at a more traditional beach resort off one of the nation’s barrier islands. When we arrived, I experienced a bit of culture shock: Gone were the dreadlocked guests and funky atmosphere of the eco-resort in exchange for the more manicured and Volvo-driving environs of the beach hotel. I could feel judgment welling up inside me about the more “establishment” nature of the beach hotel. And then it hit me: there was no price difference between the two places, but I was reacting against the “scene” of the second, as if a more obviously luxuriant setting was somehow less authentic and real. It struck me that since childhood I had harbored the unspoken notion that somehow money was compromising of street-level cred or artistic or cultural integrity. I equated “being real” with a grittier-seeming life, although the eco-lodge was, in its way, every bit as commercialized as the more standard beach resort. I realized that this attitude was not only a needless bit of cultural conditioning, but it was—in subtle but still real ways—restraining my attentiveness and impulses toward earning money. I was, in an unspoken manner, placing money on the backburner of life. “There is nothing wrong in wanting to get rich,” Wattles writes. “The desire for riches is really the desire for a richer, fuller, and more abundant life; and that desire is praiseworthy.” He is right. Money pays for education, travel, home life, and for this book itself. Not everyone with money does good in the world, but generally speaking you can do greater good with money than without it. I don’t know a single artist, activist, soldier, or working person who does not believe this. Wattles understood that life stands on three pillars: “There are three motives for which we live; we live for the body, we live for the mind, we live for the soul. No one of these is better or holier than the other.” Indeed, he notes that desire itself is potential awaiting formation; desire drives you forward: “Wherever there is unexpressed possibility, or function not performed, there is unsatisfied desire. Desire is possibility seeking expression … It is in the use of material things that a man finds full life for his body, develops his mind, and unfolds his soul. It is therefore of supreme importance to him that he should be rich.” Hence, if you began this book with an unfulfilled yearning—or even with a sense of gnawing anxiety over your finances—do not be depressed or disappointed. The very urgency that you feel is what brought you here—and will, I aver, deliver you to more constructive possibilities. That success may arrive slowly or suddenly; it may be direct or indirect; it may reach you according to your mind’s-eye image or may arrive in completely different and unexpected ways. But I believe that the very needs that drove you to this program, and to the work of this good and foresightful man, are your engine of progress. Nothing is possible without some sense of dissatisfaction with your present state—so neither fight nor fear it but use it. “Desire is a manifestation of power,” Wattles writes. “The desire to play music is the power which can play music seeking expression and development; the desire to invent mechanical devices is the mechanical talent seeking expression and development.” Do you want to be rich? By “rich” I mean having enough money to secure your own needs and wishes, and those of the people you love. If you can search your psyche and answer yes—and never turn back—you are, by Wattles’ lights, poised on the threshold of exactly what you need. —MH Chapter 2 There is a Science of Getting Rich There is a Science of getting rich, and it is an exact science, like algebra or arithmetic. There are certain laws which govern the process of acquiring riches; once these laws are learned and obeyed by any man, he will get rich with mathematical certainty. The ownership of money and property comes as a result of doing things in a certain way; those who do things in this Certain Way, whether on purpose or accidentally, get rich; while those who do not do things in this Certain Way, no matter how hard they work or how able they are, remain poor. It is a natural law that like causes always produce like effects; and, therefore, any man or woman who learns to do things in this Certain Way will infallibly get rich. That the above statement is true is shown by the following facts:— Getting rich is not a matter of environment, for, if it were, all the people in certain neighborhoods would become wealthy; the people of one city would all be rich, while those of other towns would all be poor; or the inhabitants of one state would roll in wealth, while those of an adjoining state would be in poverty. But everywhere we see rich and poor living side by side, in the same environment, and often engaged in the same vocations. When two men are in the same locality, and in the same business, and one gets rich while the other remains poor, it shows that getting rich is not, primarily, a matter of environment. Some environments may be more favorable than others, but when two men in the same business are in the same neighborhood, and one gets rich while the other fails, it indicates that getting rich is the result of doing things in a Certain Way. And further, the ability to do things in this Certain Way is not due solely to the possession of talent, for many people who have great talent remain poor, while others who have very little talent get rich. Studying the people who have got rich, we find that they are an average lot in all respects, having no greater talents and abilities than other men. It is evident that they do not get rich because they possess talents and abilities that other men have not, but because they happen to do things in a Certain Way. Getting rich is not the result of saving, or “thrift”; many very penurious people are poor, while free spenders often get rich. Nor is getting rich due to doing things which others fail to do; for two men in the same business often do almost exactly the same things, and one gets rich while the other remains poor or becomes a bankrupt. From all these things, we must come to the conclusion that getting rich is the result of doing things in a Certain Way. If getting rich is the result of doing things in a Certain Way, and if like causes always produce like effects, then any man or woman who can do things in that way can become rich, and the whole matter is brought within the domain of exact science. The question arises here, whether this Certain Way may not be so difficult that only a few may follow it. This cannot be true, as we have seen, so far as natural ability is concerned. Talented people get rich, and blockheads get rich; intellectually brilliant people get rich, and very stupid people get rich; physically strong people get rich, and weak and sickly people get rich. Some degree of ability to think and understand is, of course, essential; but in so far as natural ability is concerned, any man or woman who has sense enough to read and understand these words can certainly get rich. Also, we have seen that it is not a matter of environment. Location counts for something; one would not go to the heart of the Sahara and expect to do successful business. Getting rich involves the necessity of dealing with men, and of being where there are people to deal with; and if these people are inclined to deal in the way you want to deal, so much the better. But that is about as far as environment goes. If anybody else in your town can get rich, so can you; and if anybody else in your state can get rich, so can you. Again, it is not a matter of choosing some particular business or profession. People get rich in every business, and in every profession; while their next door neighbors in the same vocation remain in poverty. It is true that you will do best in a business which you like, and which is congenial to you; and if you have certain talents which are well developed, you will do best in a business which calls for the exercise of those talents. Also, you will do best in a business which is suited to your locality; an ice-cream parlor would do better in a warm climate than in Greenland, and a salmon fishery will succeed better in the Northwest than in Florida, where there are no salmon. But, aside from these general limitations, getting rich is not dependent upon your engaging in some particular business, but upon your learning to do things in a Certain Way. If you are now in business, and anybody else in your locality is getting rich in the same business, while you are not getting rich, it is because you are not doing things in the same Way that the other person is doing them. No one is prevented from getting rich by lack of capital. True, as you get capital the increase becomes more easy and rapid; but one who has capital is already rich, and does not need to consider how to become so. No matter how poor you may be, if you begin to do things in the Certain Way you will begin to get rich; and you will begin to have capital. The getting of capital is a part of the process of getting rich; and it is a part of the result which invariably follows the doing of things in the Certain Way. You may be the poorest man on the continent, and be deeply in debt; you may have neither friends, influence, nor resources; but if you begin to do things in this Way, you must infallibly begin to get rich, for like causes must produce like effects. If you have no capital, you can get capital; if you are in the wrong business, you can get into the right business; if you are in the wrong location, you can go to the right location; and you can do so by beginning in your present business and in your present location to do things in the Certain Way which causes success. Afternote Author Napoleon Hill wrote that his 1937 book Think and Grow Rich contained a “secret,” which Hill said he concealed no less than a hundred times in his text. To state the secret flat out, Hill wrote, would deprive the reader of the fruitful effort involved in finding and learning to apply it. At the same time, Hill did not intend to play coy with his readers. With that in mind, I believe we can embark on a transparent and applicable exploration of his secret, which is, in a sense, the secret to fulfillment itself. I reference this secret not to sound mysterious but to describe a facet of life that is frequently overlooked and even undiscovered yet is also vividly clear. Hill references his secret in the chapter on “Imagination” in Think and Grow Rich: Strange and paradoxical as it may seem, the “secret” is NOT A SECRET. Nature, herself, advertises it in the earth on which we live, the stars, the planets suspended within our view, in the elements above and around us, in every blade of grass, and every form of life within our vision. Nature advertises this “secret” in the terms of biology, in the conversion of a tiny cell, so small that it may be lost on the point of a pin, into the HUMAN BEING now reading this line. The conversion of desire into its physical equivalent is, certainly, no more miraculous! I have written about Hill’s secret before, and there are different ways of stating it. But all of them refer back to one basic truth: you experience innate and inevitable power when you enter natural alignment with laws that enable the growth and maintenance of all life. This is not dissimilar to concepts found within Taoism and Transcendentalism. Once you function within this cosmic flow, cycles of growth appear at your back. You become like the seedling that eventually bursts through the soil. All of nature aids your progress. This is not because you are somehow elevated or advanced but simply because you are operating within natural cycles of growth and production. With the cultivation of right habits and choices—which means sustained, generative conduct and activity—you merge with reproductive, cyclical, and natural laws. These laws, Hill wrote, also possess a metaphysical or extra-material dimension. Barring some equally powerful intervention, self-generative laws deliver you to the destination you intently seek. In the passages ahead, Wattles helps you identify and live within those transcendentally and physically harmonious habits and choices. —MH Chapter 3 Is Opportunity Monopolized? No man is kept poor because opportunity has been taken away from him; because other people have monopolized the wealth, and have put a fence around it. You may be shut off from engaging in business in certain lines, but there are other channels open to you. Probably it would be hard for you to get control of any of the great railroad systems; that field is pretty well monopolized. But the electric railway business is still in its infancy, and offers plenty of scope for enterprise; and it will be but a very few years until traffic and transportation through the air will become a great industry, and in all its branches will give employment to hundreds of thousands, and perhaps to millions, of people. Why not turn your attention to the development of aerial transportation, instead of competing with J. J. Hill and others for a chance in the steam railway world? It is quite true that if you are a workman in the employ of the steel trust you have very little chance of becoming the owner of the plant in which you work; but it is also true that if you will commence to act in a Certain Way, you can soon leave the employ of the steel trust; you can buy a farm of from ten to forty acres, and engage in business as a producer of foodstuffs. There is great opportunity at this time for men who will live upon small tracts of land and cultivate the same intensively; such men will certainly get rich. You may say that it is impossible for you to get the land, but I am going to prove to you that it is not impossible, and that you can certainly get a farm if you will go to work in a Certain Way. At different periods the tide of opportunity sets in different directions, according to the needs of the Whole, and the particular stage of social evolution which has been reached. At present, in America, it is setting toward agriculture and the allied industries and professions. To-day, opportunity is open before the farmer in his line more than before the factory worker in his line. It is open before the business man who supplies the farmer more than before the one who supplies the factory worker; and before the professional man who waits upon the farmer more than before the one who serves the working class. There is abundance of opportunity for the man who will go with the tide, instead of trying to swim against it. So the factory workers, either as individuals or as a class, are not deprived of opportunity. The workers are not being “kept down” by their masters; they are not being “ground” by the trusts and combinations of capital. As a class, they are where they are because they do not do things in a Certain Way. If the workers of America chose to do so, they could follow the example of their brothers in Belgium and other countries, and establish great department stores and co-operative industries; they could elect men of their own class to office, and pass laws favoring development of such cooperative industries; and in a few years they could take peaceable possession of the industrial field. The working class may become the master class whenever they will begin to do things in a Certain Way; the law of wealth is the same for them as it is for all others. This they must learn; and they will remain where they are as long as they continue to do as they do. The individual worker, however, is not held down by the ignorance or the mental slothfulness of his class; he can follow the tide of opportunity to riches, and this book will tell him how. The working class may become the master class whenever they will begin to do things in a Certain Way. No one is kept in poverty by a shortness in the supply of riches; there is more than enough for all. A palace as large as the capitol at Washington might be built for every family on earth from the building material in the United States alone; and under intensive cultivation, this country would produce wool, cotton, linen, and silk enough to clothe each person in the world finer than Solomon was arrayed in all his glory; together with food enough to feed them all luxuriously. The visible supply is practically inexhaustible; and the invisible supply really IS inexhaustible. Everything you see on earth is made from one original substance, out of which all things proceed. New forms are constantly being made, and older ones are dissolving; but all are shapes assumed by One Thing. There is no limit to the supply of Formless Stuff, or Original Substance. The universe is made out of it; but it was not all used in making the universe. The spaces in, through, and between the forms of the visible universe are permeated and filled with the Original Substance; with the Formless Stuff; with the raw material of all things. Ten thousand times as much as has been made might still be made, and even then we should not have exhausted the supply of universal raw material. No man, therefore, is poor because nature is poor, or because there is not enough to go around. Everything you see on earth is made from one original substance, out of which all things proceed. Nature is an inexhaustible storehouse of riches; the supply will never run short. Original Substance is alive with creative energy, and is constantly producing more forms. When the supply of building material is exhausted, more will be produced; when the soil is exhausted so that foodstuffs and materials for clothing will no longer grow upon it, it will be renewed or more soil will be made. When all the gold and silver has been dug from the earth, if man is still in such a stage of social development that he needs gold and silver, more will be produced from the Formless. The Formless Stuff responds to the needs of man; it will not let him be without any good thing. This is true of man collectively; the race as a whole is always abundantly rich, and if individuals are poor, it is because they do not follow the Certain Way of doing things which makes the individual man rich. The Formless Stuff is intelligent; it is stuff which thinks. It is alive, and is always impelled toward more life. It is the natural and inherent impulse of life to seek to live more; it is the nature of intelligence to enlarge itself, and of consciousness to seek to extend its boundaries and find fuller expression. The universe of forms has been made by Formless Living Substance, throwing itself into form in order to express itself more fully. The universe is a great Living Presence, always moving inherently toward more life and fuller functioning. Nature is formed for the advancement of life; its impelling motive is the increase of life. For this cause, everything which can possibly minister to life is bountifully provided; there can be no lack unless God is to contradict himself and nullify his own works. The Formless Stuff is intelligent; it is stuff which thinks. It is alive, and is always impelled toward more life. You are not kept poor by lack in the supply of riches; it is a fact which I shall demonstrate a little farther on that even the resources of the Formless Supply are at the command of the man or woman who will act and think in a Certain Way. Afternote One of my favorite passages from Friedrich Nietzsche is: “Formula for our happiness: a Yes, a No, a straight line, a goal.” This is from Walter Kaufmann’s translation of Nietzsche’s The Antichrist, written in 1888 but considered sufficiently controversial so that its initial publication was delayed until 1895. It was not bluster when Nietzsche wrote in his preface, “Only the day after tomorrow belongs to me.” Many of us are educated to think of “serious” philosophy as scholastic, logical, macro, and abstract. I dissent from that. Philosophy should govern next Tuesday. In an 1898 lecture, William James challenged American philosophers to produce a philosophy of “cash-value, in terms of particular experience,” with his emphasis in the original. In 1860, Ralph Waldo Emerson wrote essays on the themes of “Wealth” and “Power,” speaking of such things not abstractly but explicitly. We need a philosophy of actuality. Of results. One that honors the goals of the individual rather than seeking to deny, rearrange, or ignore them. What do you want? If asked with stark self-honesty, that may be the most important question of your life. It belongs to you alone. It has no parameters. I believe that nothing does more to enact the powers of the psyche —including the causative and creative potentials of thought—than focusing on one passionately felt aim. It is the single greatest guarantee we have of getting where we wish to go. It is not an absolute guarantee. But it is the closest that we are granted. Why the emphasis on focus? Nature is powerful when focused. Air, water, light—all are dispersible. But when concentrated, all are extremely powerful. We mirror nature. “As above, so below” goes the Hermetic dictum. Focus is extraordinarily powerful. I ask that you state privately exactly what you want. You may or may not be able to attain it in the precise mind’s-eye form it takes. Life often delivers things to us in disguise. But to not know is a tragedy. And we often do not know because we internalize peer pressure in ways that deter self-acknowledgment. As self-indulgent as our culture is, peer pressure and conventions of self-image often deprive us of the bravery to be internally honest. Permit yourself freedom within—acknowledge what you want; be specific; write it down; tell no one. That is the seed of attainment. You will receive something. —MH Chapter 4 The First Principle in the Science of Getting Rich Thought is the only power which can produce tangible riches from the Formless Substance. The stuff from which all things are made is a substance which thinks, and a thought of form in this substance produces the form. Original Substance moves according to its thoughts; every form and process you see in nature is the visible expression of a thought in Original Substance. As the Formless Stuff thinks of a form, it takes that form; as it thinks of a motion, it makes that motion. That is the way all things were created. We live in a thought world, which is part of a thought universe. The thought of a moving universe extended throughout Formless Substance, and the Thinking Stuff moving according to that thought, took the form of systems of planets, and maintains that form. Thinking Substance takes the form of its thought, and moves according to the thought. Holding the idea of a circling system of suns and worlds, it takes the form of these bodies, and moves them as it thinks. Thinking the form of a slow-growing oak tree, it moves accordingly, and produces the tree, though centuries may be required to do the work. In creating, the Formless seems to move according to the lines of motion it has established; the thought of an oak tree does not cause the instant formation of a full-grown tree, but it does start in motion the forces which will produce the tree, along established lines of growth. Every thought of form, held in thinking Substance, causes the creation of the form, but always, or at least generally, along lines of growth and action already established. The thought of a house of a certain construction, if it were impressed upon Formless Substance, might not cause the instant formation of the house; but it would cause the turning of creative energies already working in trade and commerce into such channels as to result in the speedy building of the house. And if there were no existing channels through which the creative energy could work, then the house would be formed directly from primal substance, without waiting for the slow processes of the organic and inorganic world. Every thought of form, held in thinking Substance, causes the creation of the form, but always, or at least generally, along lines of growth and action already established. No thought of form can be impressed upon Original Substance without causing the creation of the form. Man is a thinking center, and can originate thought. All the forms that man fashions with his hands must first exist in his thought; he cannot shape a thing until he has thought that thing. And so far man has confined his efforts wholly to the work of his hands; he has applied manual labor to the world of forms, seeking to change or modify those already existing. He has never thought of trying to cause the creation of new forms by impressing his thoughts upon Formless Substance. When man has a thought-form, he takes material from the forms of nature, and makes an image of the form which is in his mind. He has, so far, made little or no effort to cooperate with Formless Intelligence; to work “with the Father.” He has not dreamed that he can “do what he seeth the Father doing.” Man re-shapes and modifies existing forms by manual labor; he has given no attention to the question whether he may not produce things from Formless Substance by communicating his thoughts to it. We propose to prove that he may do so; to prove that any man or woman may do so, and to show how. As our first step, we must lay down three fundamental propositions. Man is a thinking center, and can originate thought. All the forms that man fashions with his hands must first exist in his thought; he cannot shape a thing until he has thought that thing. First, we assert that there is one original formless stuff, or substance, from which all things are made. All the seemingly many elements are but different presentations of one element; all the many forms found in organic and inorganic nature are but different shapes, made from the same stuff. And this stuff is thinking stuff; a thought held in it produces the form of the thought. Thought, in thinking substance, produces shapes. Man is a thinking center, capable of original thought; if man can communicate his thought to original thinking substance, he can cause the creation, or formation, of the thing he thinks about. To summarize this:— There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought, in this substance, produces the thing that is imaged by the thought. Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the thing he thinks about to be created. It may be asked if I can prove these statements; and without going into details, I answer that I can do so, both by logic and experience. Reasoning back from the phenomena of form and thought, I come to one original thinking substance; and reasoning forward from this thinking substance, I come to man’s power to cause the formation of the thing he thinks about. And by experiment, I find the reasoning true; and this is my strongest proof. If one man who reads this book gets rich by doing what it tells him to do, that is evidence in support of my claim; but if every man who does what it tells him to do gets rich, that is positive proof until some one goes through the process and fails. The theory is true until the process fails; and this process will not fail, for every man who does exactly what this book tells him to do will get rich. I have said that men get rich by doing things in a Certain Way; and in order to do so, men must become able to think in a certain way. A man’s way of doing things is the direct result of the way he thinks about things. To do things in the way you want to do them, you will have to acquire the ability to think the way you want to think; this is the first step toward getting rich. To think what you want to think is to think TRUTH, regardless of appearances. Every man has the natural and inherent power to think what he wants to think, but it requires far more effort to do so than it does to think the thoughts which are suggested by appearances. To think according to appearances is easy; to think truth regardless of appearances is laborious, and requires the expenditure of more power than any other work man is called upon to perform. A man’s way of doing things is the direct result of the way he thinks about things. There is no labor from which most people shrink as they do from that of sustained and consecutive thought; it is the hardest work in the world. This is especially true when truth is contrary to appearances. Every appearance in the visible world tends to produce a corresponding form in the mind which observes it; and this can only be prevented by holding the thought of the TRUTH. To look upon the appearance of disease will produce the form of disease in your own mind, and ultimately in your body, unless you hold the thought of the truth, which is that there is no disease; it is only an appearance, and the reality is health. To look upon the appearances of poverty will produce corresponding forms in your own mind, unless you hold to the truth that there is no poverty; there is only abundance. To think health when surrounded by the appearances of disease, or to think riches when in the midst of appearances of poverty, requires power; but he who acquires this power becomes a MASTER MIND. He can conquer fate; he can have what he wants. This power can only be acquired by getting hold of the basic fact which is behind all appearances; and that fact is that there is one Thinking Substance, from which and by which all things are made. Then we must grasp the truth that every thought held in this substance becomes a form, and that man can so impress his thoughts upon It as to cause them to take form and become visible things. When we realize this, we lose all doubt and fear, for we know that we can create what we want to create; we can get what we want to have, and can become what we want to be. As a first step toward getting rich, you must believe the three fundamental statements given previously in this chapter; and in order to emphasize them, I repeat them here:— There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought, in this substance, produces the thing that is imaged by the thought. Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the thing he thinks about to be created. You must lay aside all other concepts of the universe than this monistic one; and you must dwell upon this until it is fixed in your mind, and has become your habitual thought. Read these creed statements over and over again; fix every word upon your memory, and meditate upon them until you firmly believe what they say. If a doubt comes to you, cast it aside as a sin. Do not listen to arguments against this idea; do not go to churches or lectures where a contrary concept of things is taught or preached. Do not read magazines or books which teach a different idea; if you get mixed up in your faith, all your efforts will be in vain. Do not ask why these things are true, nor speculate as to how they can be true; simply take them on trust. The science of getting rich begins with the absolute acceptance of this faith. Afternote The principle of working along “established lines” is one of the subtlest and most important points not only in Wattles’ program but also in all of practical spirituality. It means you must pay attention to practical channels of arrival and fulfillment. Wattles put it this way: In creating, the Formless seems to move according to the lines of motion it has established; the thought of an oak tree does not cause the instant formation of a fullgrown tree, but does start in motion the forces which will produce the tree, along established lines of growth. Every thought of form, held in thinking Substance, causes the creation of the form, but always, or at least generally, along lines of growth and action already established. The thought of a house of a certain construction, if it were impressed upon Formless Substance, might not cause the instant formation of the house; but it would cause the turning of creative energies already working in trade and commerce into such channels as to result in the speedy building of the house. And if there were no existing channels through which the creative energy could work, then the house would be formed directly from primal substance without waiting for the slow processes of the organic and inorganic world. In practical terms, this means that your goal is likely to reach you along familiar or already existing channels. For example, if you seek the cure of an illness, the likelihood is not that your illness will spontaneously lift, but rather that you will discover a network of treatments that will produce your recovery. If you are looking for work, the overwhelming odds are that you will make connections and find ideas and leads that will deliver you to exactly what you need—less likely is that someone will just walk up to you and hand you, signed and sealed, exactly what you need. Some people who practice spell work or ceremonial magick take this principle a step further. When prescribing a spell or ceremony— which is really just a ritualized intention, no different from Wattles’ formula for “thinking in a Certain Way”—they note that, in order for such operations to work, there must be a clear avenue of arrival. For example, if you wish for love but dwell as a shut-in there is no obvious channel of delivery. But if you wish for love and actively circulate among people, you are providing an established means or channel for your fulfillment. Each individual must study and consider this step for him or herself. Are you asking for something that fits the context of your life, practices, and habits? Is there a foreseeable means of delivery? Or, put from a different perspective, are you neglecting or overlooking patterns of delivery—or perhaps the very arrival of what you want simply because it reaches you in unfamiliar ways? I devised an exercise to help people work with this principle. I call it the 10-Day Miracle Challenge. It is very simple—but, as the title implies, potentially very powerful. It works according to these six steps: 1. Decide on something that you truly and passionately want in your life. 2. Write it down—your wish should be easily boiled down to a single-sentence, such as “I have a peaceful new home nearby.” 3. Set a fixed period of time—in this case ten days—by which to receive your desired element. 4. Draw a grid of ten boxes and consecutively cross one out each day to mark your progress toward your aim. 5. Every day, often as you can and as much as you can, pray, visualize, affirm, and meditate upon the realization of your wish. 6. Finally—and here is the most important part—watch very carefully for the arrival of your aim and take care not to overlook or discount the means by which it arrives. Your wish could reach you in a wholly unexpected manner, fulfilling your need but arriving in a very different fashion from what you pictured or expected. Or your wish could arrive along such seemingly mundane or ordinary lines that you are apt to miss it, and you overlook the realization of the very thing you need. The point of this exercise is that our needs are often fulfilled, at least in potential, in ways that we are prone to neglect because the arrival doesn’t resemble our preconceptions, or it happens in such a seemingly mundane fashion that we discount it. You may, for example, wish for recovery from an injury, but at the same time reject an invitation to a movement or energy medicine class, or the sanctioned advice of a teacher, therapist, or physician, which may set you on the road to wellness Remember: life generally works along previously established lines. Hence, the thing that you wish for may reach you in ways that seem ordinary even though they are the royal road to your fulfillment. I want to share a joke that drives home this point. During a terrible flood a clergyman fled to the roof of his church to avoid being swept away in the waters. A man in a raft came by and told him to come aboard. The clergyman refused. “God will save me,” he said. Someone rowed by in a boat and urged him to come on it. But again, the clergyman refused. “God will save me,” he said. Finally, a helicopter appeared overhead and dropped a ladder. But the man waved it away. “God will save me!” he yelled. The floodwaters eventually overtook the clergyman and he drowned. Upon reaching heaven he protested to God, “I’ve served you all my life! Why didn’t you save me?” To which God replied: “I didn’t save you? I sent the raft, I sent the boat, I sent the helicopter …” The lesson is: Remain open. Take the road when it appears. Reject nothing out of hand. And never neglect established means. Watch for them. —MH Chapter 5 Increasing Life You must get rid of the last vestige of the old idea that there is a Deity whose will it is that you should be poor, or whose purposes may be served by keeping you in poverty. The Intelligent Substance which is All, and in all, and which lives in All and lives in you, is a consciously Living Substance. Being a consciously living substance, It must have the natural and inherent desire of every living intelligence for increase of life. Every living thing must continually seek for the enlargement of its life, because life, in the mere act of living, must increase itself. A seed, dropped into the ground, springs into activity, and in the act of living produces a hundred more seeds; life, by living, multiplies itself. It is forever Becoming More; it must do so, if it continues to be at all. Intelligence is under this same necessity for continuous increase. Every thought we think makes it necessary for us to think another thought; consciousness is continually expanding. Every fact we learn leads us to the learning of another fact; knowledge is continually increasing. Every talent we cultivate brings to the mind the desire to cultivate another talent; we are subject to the urge of life, seeking expression, which ever drives us on to know more, to do more, and to be more. In order to know more, do more, and be more we must have more; we must have things to use, for we learn, and do, and become, only by using things. We must get rich, so that we can live more. The desire for riches is simply the capacity for larger life seeking fulfillment; every desire is the effort of an unexpressed possibility to come into action. It is power seeking to manifest which causes desire. That which makes you want more money is the same as that which makes the plant grow; it is Life, seeking fuller expression. The One Living Substance must be subject to this inherent law of all life; it is permeated with the desire to live more; that is why it is under the necessity of creating things. The One Substance desires to live more in you; hence it wants you to have all the things you can use. It is the desire of God that you should get rich. He wants you to get rich because he can express himself better through you if you have plenty of things to use in giving him expression. He can live more in you if you have unlimited command of the means of life. The universe desires you to have everything you want to have. Nature is friendly to your plans. Everything is naturally for you. Make up your mind that this is true. It is essential, however, that your purpose should harmonize with the purpose that is in All. You must want real life, not mere pleasure or sensual gratification. Life is the performance of function; and the individual really lives only when he performs every function, physical, mental, and spiritual, of which he is capable, without excess in any. You do not want to get rich in order to live swinishly, for the gratification of animal desires; that is not life. But the performance of every physical function is a part of life, and no one lives completely who denies the impulses of the body a normal and healthful expression. The individual really lives only when he performs every function, physical, mental, and spiritual, of which he is capable, without excess in any. You do not want to get rich solely to enjoy mental pleasures, to get knowledge, to gratify ambition, to outshine others, to be famous. All these are a legitimate part of life, but the man who lives for the pleasures of the intellect alone will only have a partial life, and he will never be satisfied with his lot. You do not want to get rich solely for the good of others, to lose yourself for the salvation of mankind, to experience the joys of philanthropy and sacrifice. The joys of the soul are only a part of life; and they are no better or nobler than any other part. You want to get rich in order that you may eat, drink, and be merry when it is time to do these things; in order that you may surround yourself with beautiful things, see distant lands, feed your mind, and develop your intellect; in order that you may love men and do kind things, and be able to play a good part in helping the world to find truth. But remember that extreme altruism is no better and no nobler than extreme selfishness; both are mistakes. Get rid of the idea that God wants you to sacrifice yourself for others, and that you can secure his favor by doing so; God requires nothing of the kind. What he wants is that you should make the most of yourself, for yourself, and for others; and you can help others more by making the most of yourself than in any other way. You can make the most of yourself only by getting rich; so it is right and praiseworthy that you should give your first and best thought to the work of acquiring wealth. Remember, however, that the desire of Substance is for all, and its movements must be for more life to all; it cannot be made to work for less life to any, because it is equally in all, seeking riches and life. You can help others more by making the most of yourself than in any other way. Intelligent Substance will make things for you, but it will not take things away from some one else and give them to you. You must get rid of the thought of competition. You are to create, not to compete for what is already created. You do not have to take anything away from any one. You do not have to drive sharp bargains. You do not have to cheat, or to take advantage. You do not need to let any man work for you for less than he earns. You do not have to covet the property of others, or to look at it with wishful eyes; no man has anything of which you cannot have the like, and that without taking what he has away from him. You are to create, not to compete for what is already created. You are to become a creator, not a competitor; you are going to get what you want, but in such a way that when you get it every other man will have more than he has now. I am aware that there are men who get a vast amount of money by proceeding in direct opposition to the statements in the paragraph above, and may add a word of explanation here. Men of the plutocratic type, who become very rich, do so sometimes purely by their extraordinary ability on the plane of competition; and sometimes they unconsciously relate themselves to Substance in its great purposes and movements for the general racial upbuilding through industrial evolution. Rockefeller, Carnegie, Morgan, et al., have been the unconscious agents of the Supreme in the necessary work of systematizing and organizing productive industry; and in the end, their work will contribute immensely toward increased life for all. Their day is nearly over; they have organized production, and will soon be succeeded by the agents of the multitude, who will organize the machinery of distribution. The multi-millionaires are like the monster reptiles of the prehistoric eras; they play a necessary part in the evolutionary process, but the same Power which produced them will dispose of them. And it is well to bear in mind that they have never been really rich; a record of the private lives of most of this class will show that they have really been the most abject and wretched of the poor. You are to become a creator, not a competitor; you are going to get what you want, but in such a way that when you get it every other man will have more than he has now. Riches secured on the competitive plane are never satisfactory and permanent; they are yours to-day, and another’s to-morrow. Remember, if you are to become rich in a scientific and certain way, you must rise entirely out of the competitive thought. You must never think for a moment that the supply is limited. Just as soon as you begin to think that all the money is being “cornered” and controlled by bankers and others, and that you must exert yourself to get laws passed to stop this process, and so on; in that moment you drop into the competitive mind, and your power to cause creation is gone for the time being; and what is worse, you will probably arrest the creative movements you have already instituted. KNOW that there are countless millions of dollars’ worth of gold in the mountains of the earth, not yet brought to light; and know that if there were not, more would be created from Thinking Substance to supply your needs. KNOW that the money you need will come, even if it is necessary for a thousand men to be led to the discovery of new gold mines to-morrow. Never look at the visible supply; look always at the limitless riches in Formless Substance, and KNOW that they are coming to you as fast as you can receive and use them. Nobody, by cornering the visible supply, can prevent you from getting what is yours. So never allow yourself to think for an instant that all the best building spots will be taken before you get ready to build your house, unless you hurry. Never worry about the trusts and combines, and get anxious for fear they will soon come to own the whole earth. Never get afraid that you will lose what you want because some other person “beats you to it.” That cannot possibly happen; you are not seeking anything that is possessed by anybody else; you are causing what you want to be created from Formless Substance, and the supply is without limits. Stick to the formulated statement:— There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought, in this substance, produces the thing that is imaged by the thought. Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the thing he thinks about to be created. Never look at the visible supply; look always at the limitless riches in Formless Substance. Afternote In the mid-1990s, I was an editor at a prominent political publishing house. I had a “friend” on staff of the kind that no one needs. He was also an editor and he sought to contact and attempt to sign up books with authors I had worked with just before I started there; he continued to do so after I arrived. His ethos was one of unbridled competition. I responded in the wrong way by trying to match him at his own game. I failed. In two years, I was fired. The firing was actually good because it put me in contact with my current work and passion for practical spirituality. The change of path helped me discover myself as a writer. Looking back, however, if I had to do it over again and wanted to approach things in a more constructive and creative manner, I would have followed Wattles’ dictum to reject the plane of competition. He wrote this in The Science of Getting Rich: You are to become a creator, not a competitor; you are going to get what you want, but in such a way that when you get it every other man will have more than he has now … riches secured on the competitive plane are never satisfactory and permanent; they are yours today and another’s tomorrow. Remember, if you are to become rich in a certain way, you must rise entirely out of the competitive thought. So, how is this actually workable on a practical scale? Well, if I knew Wattles’ work back in the 1990s, I would have dedicated myself to coming up with my own original ideas, contacts, and acquisitions rather than struggling with the false perception of a limited stock of authors, topics, and book proposals. If supply is limitless, as Wattles teaches, then we first experience this limitlessness in the mind, through ideas and thought. Ideas are a constantly renewable commodity. Conceive of your own approaches and possibilities rather than trying to corner or counter another’s. And if you cannot produce your own stream of ideas, that in itself is a valuable sign that you may be in the wrong setting or line of business. But to learn this you must first experiment: unplug from competitiveness and apply Wattles’ formula. He wrote the following, with his emphasis in the original: Never look at the visible supply; look always at the limitless riches in Formless Substance, and KNOW that they are coming to you as fast as you can receive and use them. Nobody, by cornering the visible supply, can prevent you from getting what is yours. The point is that supply, like ideas, is unbounded and everrenewing. Use this principle to escape the treadmill of anxious competition. Creativity requires no permission and can never be taken from you. “You do not have to covet the property of others,” Wattles writes, “or look at it with wishful eyes; no man has anything of which you cannot have the like.” —MH Chapter 6 How Riches Come to You When I say that you do not have to drive sharp bargains, I do not mean that you do not have to drive any bargains at all, or that you are above the necessity for having any dealings with your fellow men. I mean that you will not need to deal with them unfairly; you do not have to get something for nothing, but can give to every man more than you take from him. You cannot give every man more in cash market value than you take from him, but you can give him more in use value than the cash value of the thing you take from him. The paper, ink, and other material in this book may not be worth the money you paid for it; but if the ideas suggested by it bring you thousands of dollars, you have not been wronged by those who sold it to you; they have given you a great use value for a small cash value. You cannot give every man more in cash market value than you take from him, but you can give him more in use value than the cash value of the thing you take from him. Let us suppose that I own a picture by one of the great artists, which, in any civilized community, is worth thousands of dollars. I take it to Baffin Bay, and by “salesmanship” induce an Eskimo to give a bundle of furs worth $500 for it. I have really wronged him, for he has no use for the picture; it has no use value to him; it will not add to his life. But suppose I give him a gun worth $50 for his furs; then he has made a good bargain. He has use for the gun; it will get him many more furs and much food; it will add to his life in every way; it will make him rich. When you rise from the competitive to the creative plane, you can scan your business transactions very strictly, and if you are selling any man anything which does not add more to his life than the thing he gives you in exchange, you can afford to stop it. You do not have to beat anybody in business. And if you are in a business which does beat people, get out of it at once. Give every man more in use value than you take from him in cash value; then you are adding to the life of the world by every business transaction. If you have people working for you, you must take from them more in cash value than you pay them in wages; but you can so organize your business that it will be filled with the principle of advancement, and so that each employee who wishes to do so may advance a little every day. You can make your business do for your employees what this book is doing for you. You can so conduct your business that it will be a sort of ladder, by which every employee who will take the trouble may climb to riches himself; and given the opportunity, if he will not do so it is not your fault. And finally, because you are to cause the creation of your riches from Formless Substance which permeates all your environment, it does not follow that they are to take shape from the atmosphere and come into being before your eyes. If you want a sewing machine, for instance, I do not mean to tell you that you are to impress the thought of a sewing machine on Thinking Substance until the machine is formed without hands, in the room where you sit, or elsewhere. But if you want a sewing machine, hold the mental image of it with the most positive certainty that it is being made, or is on its way to you. After once forming the thought, have the most absolute and unquestioning faith that the sewing machine is coming; never think of it, or speak of it, in any other way than as being sure to arrive. Claim it as already yours. It will be brought to you by the power of the Supreme Intelligence, acting upon the minds of men. If you live in Maine, it may be that a man will be brought from Texas or Japan to engage in some transaction which will result in your getting what you want. If so, the whole matter will be as much to that man’s advantage as it is to yours. Do not forget for a moment that the Thinking Substance is through all, in all, communicating with all, and can influence all. The desire of Thinking Substance for fuller life and better living has caused the creation of all the sewing machines already made; and it can cause the creation of millions more, and will, whenever men set it in motion by desire and faith, and by acting in a Certain Way. You can certainly have a sewing machine in your house; and it is just as certain that you can have any other thing or things which you want, and which you will use for the advancement of your own life and the lives of others. You need not hesitate about asking largely; “it is your Father’s pleasure to give you the kingdom,” said Jesus. Original Substance wants to live all that is possible in you, and wants you to have all that you can or will use for the living of the most abundant life. If you fix upon your consciousness the fact that the desire you feel for the possession of riches is one with the desire of Omnipotence for more complete expression, your faith becomes invincible. Once I saw a little boy sitting at a piano, and vainly trying to bring harmony out of the keys; and I saw that he was grieved and provoked by his inability to play real music. I asked him the cause of his vexation, and he answered, “I can feel the music in me, but I can’t make my hands go right.” The music in him was the URGE of Original Substance, containing all the possibilities of all life; all that there is of music was seeking expression through the child. God, the One Substance, is trying to live and do and enjoy things through humanity. He is saying, “I want hands to build wonderful structures, to play divine harmonies, to paint glorious pictures; I want feet to run my errands, eyes to see my beauties, tongues to tell mighty truths and to sing marvelous songs,” and so on. God, the One Substance, is trying to live and do and enjoy things through humanity. All that there is of possibility is seeking expression through men. God wants those who can play music to have pianos and every other instrument, and to have the means to cultivate their talents to the fullest extent; He wants those who can appreciate beauty to be able to surround themselves with beautiful things; He wants those who can discern truth to have every opportunity to travel and observe; He wants those who can appreciate dress to be beautifully clothed, and those who can appreciate good food to be luxuriously fed. He wants all these things because it is Himself that enjoys and appreciates them; it is God who wants to play, and sing, and enjoy beauty, and proclaim truth, and wear fine clothes, and eat good foods. “It is God that worketh in you to will and to do,” said Paul. The desire you feel for riches is the Infinite, seeking to express Himself in you as He sought to find expression in the little boy at the piano. So you need not hesitate to ask largely. Your part is to focalize and express the desires of God. All that there is of possibility is seeking expression through men. This is a difficult point with most people; they retain something of the old idea that poverty and self-sacrifice are pleasing to God. They look upon poverty as a part of the plan, a necessity of nature. They have the idea that God has finished His work, and made all that He can make, and that the majority of men must stay poor because there is not enough to go around. They hold to so much of this erroneous thought that they feel ashamed to ask for wealth; they try not to want more than a very modest competence, just enough to make them fairly comfortable. I recall now the case of one student who was told that he must get in mind a clear picture of the things he desired, so that the creative thought of them might be impressed on Formless Substance. He was a very poor man, living in a rented house, and having only what he earned from day to day; and he could not grasp the fact that all wealth was his. So, after thinking the matter over, he decided that he might reasonably ask for a new rug for the floor of his best room, and an anthracite coal stove to heat the house during the cold weather. Following the instructions given in this book, he obtained these things in a few months; and then it dawned upon him that he had not asked enough. He went through the house in which he lived, and planned all the improvements he would like to make in it; he mentally added a bay window here and a room there, until it was complete in his mind as his ideal home; and then he planned its furnishings. Holding the whole picture in his mind, he began living in the Certain Way, and moving toward what he wanted; and he owns the house now, and is rebuilding it after the form of his mental image. And now, with still larger faith, he is going on to get greater things. It has been unto him according to his faith, and it is so with you and with all of us. Afternote I am not always comfortable with talk of faith. I frankly find it difficult to define, at least in a manner that speaks to everyone’s experience. But it is undeniable that Wattles asks the user of his program to have faith, that is to harbor a sense of powerful inner conviction that these ideas can and will work. He asks that you truly and really believe and accept his premises. Specifically, Wattles wrote of three principles that require acceptance: 1. There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. 2. A thought, in this Substance, produces the thing that is imaged by the thought. 3. Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the thing he thinks about to be created. He continues: “Do not ask why these things are true, nor speculate as to how they can be true; simply take them on trust. The Science of Getting Rich begins with the absolute acceptance of this faith.” So, once more: what is faith and how does one cultivate it? To some of you this question has a confident and personal answer. And I honor that. But for myself and others who struggle with faith, I offer this formula. Whenever you encounter the term “faith” substitute the word “persistence.” What is applied faith but creative persistence? Work toward your aims with this in mind, determined to accept Wattles’ formula while you act. We all believe in something. Even the secular existentialist believes in logic and cause-and-effect. You are granted the ability to innerly select what you believe, for good or ill. So, hand in hand with persistence, I challenge you to elect, for the duration of this program, to believe in Wattles’ formula. After all, why wouldn’t you wish to believe in something that is forwarding, affirming, and asserting of your goals? There is absolutely nothing in this program that will deter you from doing the work in front of you—quite the opposite—or that will lure you into spending ruinous sums of money or investing yourself in distractions. This is a program that requires action and steady work. Indeed, Wattles wrote: You must not rely upon thought alone, paying no attention to personal action. That is the rock upon which many otherwise scientific metaphysical thinkers meet shipwreck—the failure to connect thought with personal action. We have not yet reached the stage of development, even supposing such a stage to be possible, in which man can create directly from Formless Substance without nature’s processes or the work of human hands; man must not only think, but his personal action must supplement his thought. Possessed of this principle, you are entirely free to embrace, accept, and experiment with Wattles’ core points. Let your mood be one of persistent and exuberant experimentation as you do your work. This is true and active faith. —MH Chapter 7 Gratitude The illustrations given in the last chapter will have conveyed to the reader the fact that the first step toward getting rich is to convey the idea of your wants to the Formless Substance. This is true, and you will see that in order to do so it becomes necessary to relate yourself to the Formless Intelligence in a harmonious way. To secure this harmonious relation is a matter of such primary and vital importance that I shall give some space to its discussion here, and give you instructions which, if you will follow them, will be certain to bring you into perfect unity of mind with God. The whole process of mental adjustment and atonement can be summed up in one word, gratitude. First, you believe that there is one Intelligent Substance, from which all things proceed; second, you believe that this Substance gives you everything you desire; and third, you relate yourself to It by a feeling of deep and profound gratitude. Many people who order their lives rightly in all other ways are kept in poverty by their lack of gratitude. Having received one gift from God, they cut the wires which connect them with Him by failing to make acknowledgment. The whole process of mental adjustment and atonement can be summed up in one word, gratitude. It is easy to understand that the nearer we live to the source of wealth, the more wealth we shall receive; and it is easy also to understand that the soul that is always grateful lives in closer touch with God than the one which never looks to Him in thankful acknowledgment. The more gratefully we fix our minds on the Supreme when good things come to us, the more good things we will receive, and the more rapidly they will come; and the reason simply is that the mental attitude of gratitude draws the mind into closer touch with the source from which the blessings come. If it is a new thought to you that gratitude brings your whole mind into closer harmony with the creative energies of the universe, consider it well, and you will see that it is true. The good things you already have have come to you along the line of obedience to certain laws. Gratitude will lead your mind out along the ways by which things come; and it will keep you in close harmony with creative thought and prevent you from falling into competitive thought. If it is a new thought to you that gratitude brings your whole mind into closer harmony with the creative energies of the universe, consider it well, and you will see that it is true. Gratitude alone can keep you looking toward the All, and prevent you from falling into the error of thinking of the supply as limited; and to do that would be fatal to your hopes. There is a Law of Gratitude, and it is absolutely necessary that you should observe the law, if you are to get the results you seek. The law of gratitude is the natural principle that action and reaction are always equal, and in opposite directions. The grateful outreaching of your mind in thankful praise to the Supreme is a liberation or expenditure of force; it cannot fail to reach that to which it is addressed, and the reaction is an instantaneous movement toward you. “Draw nigh unto God, and He will draw nigh unto you.” That is a statement of psychological truth. The law of gratitude is the natural principle that action and reaction are always equal, and in opposite directions. And if your gratitude is strong and constant, the reaction in Formless Substance will be strong and continuous; the movement of the things you want will be always toward you. Notice the grateful attitude that Jesus took; how He always seems to be saying, “I thank Thee, Father, that Thou hearest me.” You cannot exercise much power without gratitude; for it is gratitude that keeps you connected with Power. But the value of gratitude does not consist solely in getting you more blessings in the future. Without gratitude you cannot long keep from dissatisfied thought regarding things as they are. The moment you permit your mind to dwell with dissatisfaction upon things as they are, you begin to lose ground. You fix attention upon the common, the ordinary, the poor, and the squalid and mean; and your mind takes the form of these things. Then you will transmit these forms or mental images to the Formless, and the common, the poor, the squalid, and mean will come to you. To permit your mind to dwell upon the inferior is to become inferior and to surround yourself with inferior things. On the other hand, to fix your attention on the best is to surround yourself with the best, and to become the best. The Creative Power within us makes us into the image of that to which we give our attention. We are Thinking Substance, and thinking substance always takes the form of that which it thinks about. The grateful mind is constantly fixed upon the best; therefore it tends to become the best; it takes the form or character of the best, and will receive the best. To permit your mind to dwell upon the inferior is to become inferior and to surround yourself with inferior things. Also, faith is born of gratitude. The grateful mind continually expects good things, and expectation becomes faith. The reaction of gratitude upon one’s own mind produces faith; and every outgoing wave of grateful thanksgiving increases faith. He who has no feeling of gratitude cannot long retain a living faith; and without a living faith you cannot get rich by the creative method, as we shall see in the following chapters. It is necessary, then, to cultivate the habit of being grateful for every good thing that comes to you; and to give thanks continuously. And because all things have contributed to your advancement, you should include all things in your gratitude. Do not waste time thinking or talking about the shortcomings or wrong actions of plutocrats or trust magnates. Their organization of the world has made your opportunity; all you get really comes to you because of them. Do not rage against corrupt politicians; if it were not for politicians we should fall into anarchy, and your opportunity would be greatly lessened. God has worked a long time and very patiently to bring us up to where we are in industry and government, and He is going right on with His work. There is not the least doubt that He will do away with plutocrats, trust magnates, captains of industry, and politicians as soon as they can be spared; but in the meantime, behold they are all very good. Remember that they are all helping to arrange the lines of transmission along which your riches will come to you, and be grateful to them all. This will bring you into harmonious relations with the good in everything, and the good in everything will move toward you. Afternote It may seem simplistic but Wattles calls gratitude the pivot point of his program. “The whole process of mental adjustment and atonement can be summed up in one word, gratitude,” he writes. Gratitude opens one’s sails to the winds of thought causation. It guarantees the continuation of your progress. Simple as it sounds, however, gratitude can be difficult to practice. The stresses of life weigh on us, and when they do gratitude is usually the first thing to go. Yet it is always possible to find things to be truly grateful about. This point came home to me through a comment that actor Christopher Reeve made to NPR after he was left paralyzed from the neck down in an equestrian accident in 1995. “I don’t want to sound so noble,” the actor and activist said. “There’s times when I just get so jealous, I have to admit. You know, I see somebody just get up out of a chair and stretch and I go, ‘No, you’re not even thinking about what you’re doing and how lucky you are to do that.’” Reeve’s comments made me realize how we overlook remarkable privileges every day. Hence, it is always possible to be grateful—and it is a real act of obliviousness not to be. It is a simple fact that many people in this world cannot turn on a tap and expect clean water to come out. Many of the world’s citizens stagger under daily violence and corruption. Civil wars tear apart nations. Natural disasters claim countless lives. The very fact of being capable of living in relative security with decent food and water, having shelter and protection, are a gift that people daily lose their lives seeking. To routinely complain or eschew gratitude is a crime against awareness of those elements of life that most of us consider commonplace but are, in fact, the fruit of great personal fortune, and often of suffering that others have endured. Gratitude is simply realism. —MH Chapter 8 Thinking in a Certain Way Turn back to chapter 6, and read again the story of the man who formed a mental image of his house, and you will get a fair idea of the initial step toward getting rich. You must form a clear and definite mental picture of what you want; you cannot transmit an idea unless you have it yourself. You must have it before you can give it; and many people fail to impress Thinking Substance because they have themselves only a vague and misty concept of the things they want to do, to have, or to become. It is not enough that you should have a general desire for wealth “to do good with”; everybody has that desire. It is not enough that you should have a wish to travel, see things, live more, etc. Everybody has those desires also. If you were going to send a wireless message to a friend, you would not send the letters of the alphabet in their order, and let him construct the message for himself; nor would you take words at random from the dictionary. You would send a coherent sentence; one which meant something. When you try to impress your wants upon Substance, remember that it must be done by a coherent statement; you must know what you want, and be definite. You can never get rich, or start the creative power into action, by sending out unformed longings and vague desires. Go over your desires just as the man I have described went over his house; see just what you want, and get a clear mental picture of it as you wish it to look when you get it. That clear mental picture you must have continually in mind, as the sailor has in mind the port toward which he is sailing the ship; you must keep your face toward it all the time. You must no more lose sight of it than the steersman loses sight of the compass. You can never get rich, or start the creative power into action, by sending out unformed longings and vague desires. It is not necessary to take exercises in concentration, nor to set apart special times for prayer and affirmation, nor to “go into the silence,” nor to do occult stunts of any kind. These things are well enough, but all you need is to know what you want, and to want it badly enough so that it will stay in your thoughts. Spend as much of your leisure time as you can in contemplating your picture, but no one needs to take exercises to concentrate his mind on a thing which he really wants; it is the things you do not really care about which require effort to fix your attention upon them. And unless you really want to get rich, so that the desire is strong enough to hold your thoughts directed to the purpose as the magnetic pole holds the needle of the compass, it will hardly be worth while for you to try to carry out the instructions given in this book. The methods herein set forth are for people whose desire for riches is strong enough to overcome mental laziness and the love of ease, and make them work. The more clear and definite you make your picture, then, and the more you dwell upon it, bringing out all its delightful details, the stronger your desire will be; and the stronger your desire, the easier it will be to hold your mind fixed upon the picture of what you want. Something more is necessary, however, than merely to see the picture clearly. If that is all you do, you are only a dreamer, and will have little or no power for accomplishment. Behind your clear vision must be the purpose to realize it; to bring it out in tangible expression. And behind this purpose must be an invincible and unwavering FAITH that the thing is already yours; that it is “at hand” and you have only to take possession of it. Live in the new house, mentally, until it takes form around you physically. In the mental realm, enter at once into full enjoyment of the things you want. “Whatsoever things ye ask for when ye pray, believe that ye receive them, and ye shall have them,” said Jesus. And behind this purpose must be an invincible and unwavering FAITH that the thing is already yours. See the things you want as if they were actually around you all the time; see yourself as owning and using them. Make use of them in imagination just as you will use them when they are your tangible possessions. Dwell upon your mental picture until it is clear and distinct, and then take the Mental Attitude of Ownership toward everything in that picture. Take possession of it, in mind, in the full faith that it is actually yours. Hold to this mental ownership; do not waver for an instant in the faith that it is real. And remember what was said in a preceding chapter about gratitude; be as thankful for it all the time as you expect to be when it has taken form. The man who can sincerely thank God for the things which as yet he owns only in imagination, has real faith. He will get rich; he will cause the creation of whatsoever he wants. You do not need to pray repeatedly for the things you want; it is not necessary to tell God about it every day. “Use not vain repetitions as the heathen do,” said Jesus to His pupils, “for your Father knoweth that ye have need of these things before ye ask Him.” Your part is to intelligently formulate your desire for the things which make for a larger life, and to get these desires arranged into a coherent whole; and then to impress this Whole Desire upon the Formless Substance, which has the power and the will to bring you what you want. You do not make this impression by repeating strings of words; you make it by holding the vision with unshakable PURPOSE to attain it, and with steadfast FAITH that you do attain it. The answer to prayer is not according to your faith while you are talking, but according to your faith while you are working. You cannot impress the mind of God by having a special Sabbath day set apart to tell Him what you want, and then forgetting Him during the rest of the week. You cannot impress Him by having special hours to go into your closet and pray, if you then dismiss the matter from your mind until the hour of prayer comes again. The answer to prayer is not according to your faith while you are talking, but according to your faith while you are working. Oral prayer is well enough, and has its effect, especially upon yourself, in clarifying your vision and strengthening your faith; but it is not your oral petitions which get you what you want. In order to get rich you do not need a “sweet hour of prayer”; you need to “pray without ceasing.” And by prayer I mean holding steadily to your vision, with the purpose to cause its creation into solid form, and the faith that you are doing so. “Believe that ye receive them.” The whole matter turns on receiving, once you have clearly formed your vision. When you have formed it, it is well to make an oral statement, addressing the Supreme in reverent prayer; and from that moment you must, in mind, receive what you ask for. Live in the new house; wear the fine clothes; ride in the automobile; go on the journey, and confidently plan for greater journeys. Think and speak of all the things you have asked for in terms of actual present ownership. Imagine an environment, and a financial condition exactly as you want them, and live all the time in that imaginary environment and financial condition. Mind, however, that you do not do this as a mere dreamer and castle builder; hold to the FAITH that the imaginary is being realized, and to the PURPOSE to realize it. Remember that it is faith and purpose in the use of the imagination which make the difference between the scientist and the dreamer. And having learned this fact, it is here that you must learn the proper use of the Will. Afternote What does it really mean to “think in a Certain Way,” as Wattles advises? In essence, Wattles is talking about adopting and holding to a mindset of seeing your success fulfilled—while also working toward its establishment. Follow these four steps: First, Wattles prescribes fixing a definite image of your aim: “See just what you want, and get a clear mental picture of it as you wish it to look when you get it.” Second, you must think, live, and feel from your vision fulfilled. Here he counsels: “That clear mental picture you must have continually in mind, as the sailor has in mind the port toward which he is sailing the ship; you must keep your face toward it all the time.” Have you ever met a person who knew exactly where he or she wanted to head in life? My sister is such a person. As kids, we experienced financial hardship and the fear that comes with economic insecurity. I watched as she ascended from public schools to state colleges to, finally, an Ivy League law degree, largely self-financed through work and loans. My sister knew precisely what she wanted, and she determinedly measured every step in her life by whether it added to or detracted from her aims. She made time only for that which directed her forward on her course. That, combined with a mental image of your aim, is the force that impresses the over-mind or “thinking stuff” to collude with you in concretizing your aims. Wattles calls this the creative force of life, upon which we act through the medium of our minds. Third, you must be consistent. “Spend as much of your leisure time as you can,” Wattles wrote, “contemplating your picture.” This is why it is vitally important to be sure that you know what you really want. If you feel passion for your aim, you will experience little difficulty in keeping it always in sight. Fourth, you must finally work with a sense of practicality and personal progress. This is not a passive program or one of visualization alone. You are trying to work out a “tangible expression.” Action is a vital complement to thought and brings actualization to what thought envisions and coproduces. Even in the most idealistic mental program, we still act to place ourselves in the flow of our aims. I return later to this point. I must cite an area in which I depart from Wattles. He wrote: “You do not need to pray repeatedly for things you want; it is not necessary to tell God about it every day.” I take a different approach. Although it is true that Scripture cautions against “vain repetitions,” other passages also counsel persistence in prayer. This is not contradictory. As noted earlier, faith can be seen as a kind of persistence or perseverance. Prayer is very mysterious: it works, of that much, I am sure; but the questions of when, how, and in what ways it works are enduringly and necessarily inscrutable. Sometimes after reciting the same prayer again and again something just happens. It is not clear why or by what agency or logic. It is clear that prayer of various kinds grants us what might be considered an escape hatch from the anxieties of our psyche and the limitations of our mentality. Hence, I believe there is never a right or wrong way to pray. My counsel is: pray however you wish, so long as you are sincere. Constantly picture, work, and petition a Greater Force for what you need. Be intelligently persistent. Your moment may arrive unannounced. —MH Chapter 9 How to Use the Will To set about getting rich in a scientific way, you do not try to apply your will power to anything outside of yourself. You have no right to do so, anyway. It is wrong to apply your will to other men and women, in order to get them to do what you wish done. It is as flagrantly wrong to coerce people by mental power as it is to coerce them by physical power. If compelling people by physical force to do things for you reduces them to slavery, compelling them by mental means accomplishes exactly the same thing; the only difference is in methods. If taking things from people by physical force is robbery, then taking things by mental force is robbery also; there is no difference in principle. You have no right to use your will power upon another person, even “for his own good”; for you do not know what is for his good. The science of getting rich does not require you to apply power or force to any other person, in any way whatsoever. There is not the slightest necessity for doing so; indeed, any attempt to use your will upon others will only tend to defeat your purpose. You do not need to apply your will to things, in order to compel them to come to you. That would simply be trying to coerce God, and would be foolish and useless, as well as irreverent. You do not have to compel God to give you good things, any more than you have to use your will power to make the sun rise. You have no right to use your will power upon another person, even “for his own good”; for you do not know what is for his good. You do not have to use your will power to conquer an unfriendly deity, or to make stubborn and rebellious forces do your bidding. Substance is friendly to you, and is more anxious to give you what you want than you are to get it. To get rich, you need only to use your will power upon yourself. When you know what to think and do, then you must use your will to compel yourself to think and do the right things. That is the legitimate use of the will in getting what you want—to use it in holding yourself to the right course. Use your will to keep yourself thinking and acting in the Certain Way. Do not try to project your will, or your thoughts, or your mind out into space, to “act” on things or people. Keep your mind at home; it can accomplish more there than elsewhere. Use your mind to form a mental image of what you want, and to hold that vision with faith and purpose; and use your will to keep your mind working in the Right Way. Use your will to keep yourself thinking and acting in the Certain Way. The more steady and continuous your faith and purpose, the more rapidly you will get rich, because you will make only POSITIVE impressions upon Substance; and you will not neutralize or offset them by negative impressions. The picture of your desires, held with faith and purpose, is taken up by the Formless, and permeates it to great distances,—throughout the universe, for all I know. As this impression spreads, all things are set moving toward its realization; every living thing, every inanimate thing, and the things yet uncreated, are stirred toward bringing into being that which you want. All force begins to be exerted in that direction; all things begin to move toward you. The minds of people, everywhere, are influenced toward doing the things necessary to the fulfilling of your desires; and they work for you, unconsciously. But you can check all this by starting a negative impression in the Formless Substance. Doubt or unbelief is as certain to start a movement away from you as faith and purpose are to start one toward you. It is by not understanding this that most people who try to make use of “mental science” in getting rich make their failure. Every hour and moment you spend in giving heed to doubts and fears, every hour you spend in worry, every hour in which your soul is possessed by unbelief, sets a current away from you in the whole domain of intelligent Substance. All the promises are unto them that believe, and unto them only. Notice how insistent Jesus was upon this point of belief; and now you know the reason why. Since belief is all important, it behooves you to guard your thoughts; and as your beliefs will be shaped to a very great extent by the things you observe and think about, it is important that you should command your attention. And here the will comes into use; for it is by your will that you determine upon what things your attention shall be fixed. If you want to become rich, you must not make a study of poverty. It behooves you to guard your thoughts. Things are not brought into being by thinking about their opposites. Health is never to be attained by studying disease and thinking about disease; righteousness is not to be promoted by studying sin and thinking about sin; and no one ever got rich by studying poverty and thinking about poverty. Medicine as a science of disease has increased disease; religion as a science of sin has promoted sin, and economics as a study of poverty will fill the world with wretchedness and want. Do not talk about poverty; do not investigate it, or concern yourself with it. Never mind what its causes are; you have nothing to do with them What concerns you is the cure. Do not spend your time in charitable work, or charity movements; all charity only tends to perpetuate the wretchedness it aims to eradicate. I do not say that you should be hard-hearted or unkind, and refuse to hear the cry of need; but you must not try to eradicate poverty in any of the conventional ways. Put poverty behind you, and put all that pertains to it behind you, and “make good.” Get rich; that is the best way you can help the poor. And you cannot hold the mental image which is to make you rich if you fill your mind with pictures of poverty. Do not read books or papers which give circumstantial accounts of the wretchedness of the tenement dwellers, of the horrors of child labor, and so on. Do not read anything which fills your mind with gloomy images of want and suffering. You cannot help the poor in the least by knowing about these things; and the wide-spread knowledge of them does not tend at all to do away with poverty. What tends to do away with poverty is not the getting of pictures of poverty into your mind, but getting pictures of wealth into the minds of the poor. You are not deserting the poor in their misery when you refuse to allow your mind to be filled with pictures of that misery. Poverty can be done away with, not by increasing the number of well-todo people who think about poverty, but by increasing the number of poor people who purpose with faith to get rich. The poor do not need charity; they need inspiration. Charity only sends them a loaf of bread to keep them alive in their wretchedness, or gives them an entertainment to make them forget for an hour or two; but inspiration will cause them to rise out of their misery. If you want to help the poor, demonstrate to them that they can become rich; prove it by getting rich yourself. Poverty can be done away with, not by increasing the number of well-to-do people who think about poverty, but by increasing the number of poor people who purpose with faith to get rich. The only way in which poverty will ever be banished from this world is by getting a large and constantly increasing number of people to practice the teachings of this book. People must be taught to become rich by creation, not by competition. Every man who becomes rich by competition throws down behind him the ladder by which he rises, and keeps others down; but every man who gets rich by creation opens a way for thousands to follow him, and inspires them to do so. You are not showing hardness of heart or an unfeeling disposition when you refuse to pity poverty, see poverty, read about poverty, or think or talk about it, or to listen to those who do talk about it. Use your will power to keep your mind OFF the subject of poverty, and to keep it fixed with faith and purpose ON the vision of what you want. People must be taught to become rich by creation, not by competition. Afternote In this chapter, Wattles can seem contradictory. In one stroke he tells readers, “Do not talk about poverty; do not investigate it, or concern yourself with it,” and at other times in his life as a political reformer and candidate he spoke passionately before audiences of the squalor of Chicago tenements and the hopelessness of immigrant children living there. He admiringly quoted from the social-reform journalism of Elbert Hubbard, who had exposed child-labor abuses in turn-of-the-century cotton mills. In the introduction, I detailed Wattles’ political efforts. I think the solution appears in his follow up to this book, The Science of Being Great, published in 1911. There Wattles wrote: To rid yourself of the old false ideas you will have to think a great deal about the value of men—the greatness and worth of a human soul. You must cease from looking at human mistakes and look at successes; cease from seeing faults and see virtues. You can no longer look upon men and women as lost and ruined beings that are descending into hell; you must come to regard them as shining souls who are ascending toward heaven. It will require some exercise of will power to do this, but this is the legitimate use of the will—to decide what you will think about and how you will think. The function of the will is to direct thought. Think about the good side of men; the lovely, attractive part, and exert your will in refusing to think of anything else in connection with them. I know of no one who has attained to so much on this one point as Eugene V. Debs, twice the Socialist candidate for president of the United States. Mr. Debs reverences humanity. No appeal for help is ever made to him in vain. No one receives from him an unkind or censorious word. You cannot come into his presence without being made sensible of his deep and kindly personal interest in you. Every person, be he millionaire, grimy workingman, or toil worn woman, receives the radiant warmth of a brotherly affection that is sincere and true. No ragged child speaks to him on the street without receiving instant and tender recognition. Debs loves men. This has made him the leading figure in a great movement, the beloved hero of a million hearts, and will give him a deathless name. It is a great thing to love men so and it is only achieved by thought. Nothing can make you great but thought. —MH Chapter 10 Further Use of the Will You cannot retain a true and clear vision of wealth if you are constantly turning your attention to opposing pictures, whether they be external or imaginary. Do not tell of your past troubles of a financial nature, if you have had them; do not think of them at all. Do not tell of the poverty of your parents, or the hardships of your early life; to do any of these things is to mentally class yourself with the poor for the time being, and it will certainly check the movement of things in your direction. “Let the dead bury their dead,” as Jesus said. Put poverty and all things that pertain to poverty completely behind you. You have accepted a certain theory of the universe as being correct, and are resting all your hopes of happiness on its being correct; and what can you gain by giving heed to conflicting theories? Do not read religious books which tell you that the world is soon coming to an end; and do not read the writings of muck-rakers and pessimistic philosophers who tell you that it is going to the devil. The world is not going to the devil; it is going to God. It is a wonderful Becoming. True, there may be a good many things in existing conditions which are disagreeable; but what is the use of studying them when they are certainly passing away, and when the study of them only tends to check their passing and keep them with us? Why give time and attention to things which are being removed by evolutionary growth, when you can hasten their removal only by promoting the evolutionary growth as far as your part of it goes? No matter how horrible in seeming may be the conditions in certain countries, sections, or places, you waste your time and destroy your own chances by considering them. You should interest yourself in the world’s becoming rich. Think of the riches the world is coming into, instead of the poverty it is growing out of; and bear in mind that the only way in which you can assist the world in growing rich is by growing rich yourself through the creative method—not the competitive one. Give your attention wholly to riches; ignore poverty. Whenever you think or speak of those who are poor, think and speak of them as those who are becoming rich; as those who are to be congratulated rather than pitied. Then they and others will catch the inspiration, and begin to search for the way out. Because I say that you are to give your whole time and mind and thought to riches, it does not follow that you are to be sordid or mean. To become really rich is the noblest aim you can have in life, for it includes everything else. On the competitive plane, the struggle to get rich is a Godless scramble for power over other men; but when we come into the creative mind, all this is changed. All that is possible in the way of greatness and soul unfoldment, of service and lofty endeavor, comes by way of getting rich; all is made possible by the use of things. If you lack for physical health, you will find that the attainment of it is conditional on your getting rich. Only those who are emancipated from financial worry, and who have the means to live a care-free existence and follow hygienic practices, can have and retain health. Moral and spiritual greatness is possible only to those who are above the competitive battle for existence; and only those who are becoming rich on the plane of creative thought are free from the degrading influences of competition. If your heart is set on domestic happiness, remember that love flourishes best where there is refinement, a high level of thought, and freedom from corrupting influences; and these are to be found only where riches are attained by the exercise of creative thought, without strife or rivalry. You can aim at nothing so great or noble, I repeat, as to become rich; and you must fix your attention upon your mental picture of riches, to the exclusion of all that may tend to dim or obscure the vision. You must learn to see the underlying TRUTH in all things; you must see beneath all seemingly wrong conditions the Great One Life ever moving forward toward fuller expression and more complete happiness. It is the truth that there is no such thing as poverty; that there is only wealth. Some people remain in poverty because they are ignorant of the fact that there is wealth for them; and these can best be taught by showing them the way to affluence in your own person and practice. Others are poor because, while they feel that there is a way out, they are too intellectually indolent to put forth the mental effort necessary to find that way and travel it; and for these the very best thing you can do is to arouse their desire by showing them the happiness that comes from being rightly rich. Others still are poor because, while they have some notion of science, they have become so swamped and lost in the maze of metaphysical and occult theories that they do not know which road to take. They try a mixture of many systems and fail in all. For these, again, the very best thing to do is to show the right way in your own person and practice; an ounce of doing things is worth a pound of theorizing. The very best thing you can do for the whole world is to make the most of yourself. You can serve God and man in no more effective way than by getting rich; that is, if you get rich by the creative method, and not by the competitive one. Another thing. We assert that this book gives in detail the principles of the science of getting rich; and if that is true, you do not need to read any other book upon the subject. This may sound narrow and egotistical, but consider: there is no more scientific method of computation in mathematics than by addition, subtraction, multiplication, and division; no other method is possible. There can be but one shortest distance between two points. There is only one way to think scientifically, and that is to think in the way that leads by the most direct and simple route to the goal. No man has yet formulated a briefer or less complex “system” than the one set forth herein; it has been stripped of all non-essentials. When you commence on this, lay all others aside; put them out of your mind altogether. The very best thing you can do for the whole world is to make the most of yourself. Read this book every day; keep it with you; commit it to memory, and do not think about other “systems” and theories. If you do, you will begin to have doubts, and to be uncertain and wavering in your thought; and then you will begin to make failures. After you have made good and become rich, you may study other systems as much as you please; but until you are quite sure that you have gained what you want, do not read anything on this line but this book, unless it be the authors mentioned in the Preface. And read only the most optimistic comments on the world’s news; those in harmony with your picture. Also, postpone your investigations into the occult. Do not dabble in Theosophy, Spiritualism, or kindred studies. It is very likely that the dead still live, and are near; but if they are, let them alone; mind your own business. Wherever the spirits of the dead may be, they have their own work to do, and their own problems to solve; and we have no right to interfere with them. We cannot help them, and it is very doubtful whether they can help us, or whether we have any right to trespass upon their time if they can. Let the dead and the hereafter alone, and solve your own problem; get rich. If you begin to mix with the occult, you will start mental cross-currents which will surely bring your hopes to shipwreck. Now, this and the preceding chapters have brought us to the following statement of basic facts:— There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought, in this substance, produces the thing that is imaged by the thought. Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the thing he thinks about to be created. In order to do this, man must pass from the competitive to the creative mind; he must form a clear mental picture of the things he wants, and hold this picture in his thoughts with the fixed PURPOSE to get what he wants, and the unwavering FAITH that he does get what he wants, closing his mind against all that may tend to shake his purpose, dim his vision, or quench his faith. And in addition to all this, we shall now see that he must live and act in a Certain Way. Afternote Consistency of mindset can be the most challenging aspect of Wattles’ program. In that vein, I want to offer a simple exercise. I have benefited numerous times from it myself and heard from many readers who experienced the same. It is called The 30-Day Mental Challenge. The exercise is based on a passage from a 1931 book, Body, Mind, and Spirit by Elwood Worcester and Samuel McComb, in which a prominent scientist described radically improving his life through a one-month thought experiment. I have condensed his testimony: Up to my fiftieth year I was unhappy, ineffective, and obscure. I had read some New Thought literature and some statements of William James on directing one’s attention to what is good and useful and ignoring the rest. Such ideas seemed like bunk—but feeling that life was intolerable I determined to subject them to a month-long test. During this time, I resolved to impose definite restrictions on my thoughts. In thinking of the past, I would dwell only on its pleasing incidents. In thinking of the present, I would direct attention to its desirable elements. In thinking of the future, I would regard every worthy and possible ambition as within reach. I threw myself into this experiment. I was soon surprised to feel happy and contented. But the outward changes astonished me more. I deeply craved the recognition of certain eminent men. The foremost of these wrote me, out of the blue, inviting me to become his assistant. All my books were published. My colleagues grew helpful and cooperative. It seems that I stumbled upon a path of life and set forces working for me which were previously working against me. Attempt this experiment: 1) Choose your start date, 2) write out the quoted, italicized testimony above by hand (never underestimate the value of that), and 3) add: “I dedicate myself on this day of ___________ to focus on all that is nourishing, advancing, and promising for thirty days.” (signed)_________________________ That’s it. If you slip, there is no need to start over. Just rededicate yourself and continue on. This exercise holds more than may first appear. Recent to this writing, I heard from a professional Muay Thai fighter, Spencer Hanley, who asked for my help in his training for an upcoming match near Houston, Texas. I suggested the 30-Day Mental Challenge. Spencer had only nine days until the fight, he explained; is this right for his timing? I believe so on many levels, I told him, including the prospect of “retrocausality.” In brief, there exists an entirely real prospect that what you do in the future, i.e., following a given event, may improve your cognition and performance during the event itself. Following a decade of study, Cornell University research psychologist Daryl J. Bem published a 2011 paper reporting the results of his series of experiments into precognition.* In short, Bem found that test subjects who memorized a word list scored higher in recall by repeating their study of the list following the test. Bem’s data supported a retrocausal effect in matters of performance. I review his results and their replications in my 2022 book Daydream Believer and in an article “Is Precognition Real?” at Medium. I lack space to fully consider the matter here, but I want to note that concepts of time are just that: concepts. Tendrils of connection are not necessarily linear and your efforts during this experiment may evince results that surpass standard notions of past, present, and future. What about the fight? Spencer won. His entry song was Heaven Is a Place on Earth. One of the announcers said: “The fact that he’s coming out to Belinda Carlisle makes me so happy.” It was no accident. —MH * “Feeling the Future: Experimental Evidence for Anomalous Retroactive Influences on Cognition and Affect” by Daryl J. Bem, Journal of Personality and Social Psychology, 2011, Vol. 100, No. 3. Chapter 11 Acting in the Certain Way Thought is the creative power, or the impelling force which causes the creative power to act; thinking in a Certain Way will bring riches to you, but you must not rely upon thought alone, paying no attention to personal action. That is the rock upon which many otherwise scientific metaphysical thinkers meet shipwreck—the failure to connect thought with personal action. We have not yet reached the stage of development, even supposing such a stage to be possible, in which man can create directly from Formless Substance without nature’s processes or the work of human hands; man must not only think, but his personal action must supplement his thought. Man must not only think, but his personal action must supplement his thought. By thought you can cause the gold in the hearts of the mountains to be impelled toward you; but it will not mine itself, refine itself, coin itself into double eagles, and come rolling along the roads seeking its way into your pocket. Under the impelling power of the Supreme Spirit, men’s affairs will be so ordered that some one will be led to mine the gold for you; other men’s business transactions will be so directed that the gold will be brought toward you, and you must so arrange your own business affairs that you may be able to receive it when it comes to you. Your thought makes all things, animate and inanimate, work to bring you what you want; but your personal activity must be such that you can rightly receive what you want when it reaches you. You are not to take it as charity, nor to steal it; you must give every man more in use value than he gives you in cash value. The scientific use of thought consists in forming a clear and distinct mental image of what you want; in holding fast to the purpose to get what you want; and in realizing with grateful faith that you do get what you want. Do not try to “project” your thought in any mysterious or occult way, with the idea of having it go out and do things for you; that is wasted effort, and will weaken your power to think with sanity. The action of thought in getting rich is fully explained in the preceding chapters; your faith and purpose positively impress your vision upon Formless Substance, which has THE SAME DESIRE FOR MORE LIFE THAT YOU HAVE; and this vision, received from you, sets all the creative forces at work IN AND THROUGH THEIR REGULAR CHANNELS OF ACTION, but directed toward you. It is not your part to guide or supervise the creative process; all you have to do with that is to retain your vision, stick to your purpose, and maintain your faith and gratitude. But you must act in a Certain Way, so that you can appropriate what is yours when it comes to you; so that you can meet the things you have in your picture, and put them in their proper places as they arrive. You can readily see the truth of this. When things reach you, they will be in the hands of other men, who will ask an equivalent for them. And you can only get what is yours by giving the other man what is his. Your pocketbook is not going to be transformed into a Fortunatus’s purse, which shall be always full of money without effort on your part. This is the crucial point in the science of getting rich; right here, where thought and personal action must be combined. There are very many people who, consciously or unconsciously, set the creative forces in action by the strength and persistence of their desires, but who remain poor because they do not provide for the reception of the thing they want when it comes. By thought, the thing you want is brought to you; by action you receive it. Whatever your action is to be, it is evident that you must act NOW. You cannot act in the past, and it is essential to the clearness of your mental vision that you dismiss the past from your mind. You cannot act in the future, for the future is not here yet. And you cannot tell how you will want to act in any future contingency until that contingency has arrived. By thought, the thing you want is brought to you; by action you receive it. Because you are not in the right business, or the right environment now, do not think that you must postpone action until you get into the right business or environment. And do not spend time in the present taking thought as to the best course in possible future emergencies; have faith in your ability to meet any emergency when it arrives. If you act in the present with your mind on the future, your present action will be with a divided mind, and will not be effective. Put your whole mind into present action. Do not give your creative impulse to Original Substance, and then sit down and wait for results; if you do, you will never get them. Act now. There is never any time but now, and there never will be any time but now. If you are ever to begin to make ready for the reception of what you want, you must begin now. And your action, whatever it is, must most likely be in your present business or employment, and must be upon the persons and things in your present environment. You cannot act where you are not; you cannot act where you have been, and you cannot act where you are going to be; you can act only where you are. Do not bother as to whether yesterday’s work was well done or ill done; do to-day’s work well. Do not try to do to-morrow’s work now; there will be plenty of time to do that when you get to it. Do not try, by occult or mystical means, to act on people or things that are out of your reach. Do not wait for a change of environment before you act; get a change of environment by action. You can so act upon the environment in which you are now, as to cause yourself to be transferred to a better environment. Hold with faith and purpose the vision of yourself in the better environment, but act upon your present environment with all your heart, and with all your strength, and with all your mind. Do not spend any time in day dreaming or castle building; hold to the one vision of what you want, and act NOW. Do not cast about seeking some new thing to do, or some strange, unusual, or remarkable action to perform as a first step toward getting rich. It is probable that your actions, at least for some time to come, will be those you have been performing for some time past; but you are to begin now to perform these actions in the Certain Way, which will surely make you rich. Hold to the one vision of what you want, and act NOW. If you are engaged in some business, and feel that it is not the right one for you, do not wait until you get into the right business before you begin to act. Do not feel discouraged, or sit down and lament because you are misplaced. No man was ever so misplaced but that he could find the right place, and no man ever became so involved in the wrong business but that he could get into the right business. Hold the vision of yourself in the right business, with the purpose to get into it, and the faith that you will get into it, and are getting into it; but ACT in your present business. Use your present business as the means of getting a better one, and use your present environment as the means of getting into a better one. Your vision of the right business, if held with faith and purpose, will cause the Supreme to move the right business toward you; and your action, if performed in the Certain Way, will cause you to move toward the business. If you are an employee, or wage earner, and feel that you must change places in order to get what you want, do not “project” your thought into space and rely upon it to get you another job. It will probably fail to do so. Hold the vision of yourself in the job you want, while you ACT with faith and purpose on the job you have, and you will certainly get the job you want. Your vision and faith will set the creative force in motion to bring it toward you, and your action will cause the forces in your own environment to move you toward the place you want. In closing this chapter, we will add another statement to our syllabus:— There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought, in this substance, produces the thing that is imaged by the thought. Man can form things in his thought, and, by impressing his thoughts upon formless substance, can cause the thing he thinks about to be created. In order to do this, man must pass from the competitive to the creative mind; he must form a clear mental picture of the things he wants, and hold this picture in his thoughts with the fixed PURPOSE to get what he wants, and the unwavering FAITH that he does get what he wants, closing his mind to all that may tend to shake his purpose, dim his vision, or quench his faith. That he may receive what he wants when it comes, man must act NOW upon the people and things in his present environment. Afternote “By thought, the thing you want is brought to you; by action you receive it.” This is one of the most important lines in The Science of Getting Rich. Write it down. Repeat it to yourself. Return to it. Again: “By thought, the thing you want is brought to you; by action you receive it.” People often ask about the role of personal action in mind-power programs. Some critics say—usually wrongly and usually about books they haven’t read—that mind power is about passivity and idle “happy thoughts” absent personal toil and action. In Wattles’ program there is no such approach and no ambiguity. He writes with refreshing bluntness: THOUGHT is the creative power, or the impelling force which causes the creative power to act; thinking in a Certain Way will bring riches to you, but you must not rely upon thought alone, paying no attention to personal action. That is the rock upon which many otherwise scientific metaphysical thinkers meet shipwreck—the failure to connect thought with personal action. We have not yet reached the stage of development, even supposing such a stage to be possible, in which man can create directly from Formless Substance without nature’s processes or the work of human hands; man must not only think, but his personal action must supplement his thought. And further: This is the crucial point in the science of getting rich; right here, where thought and personal action must be combined. There are very many people who, consciously or unconsciously, set the creative forces in action by the strength and persistence of their desires, but who remain poor because they do not provide for the reception of the thing they want when it comes. This also means that your wish must be actionable. For a wish to be authentic, rather than just fantasy or escapism, it must be connected with something that you can do, however small, in the here and now. A real wish is attainable, even if the means are not immediately apparent. What must be apparent is that you can train, learn, reach out to people, and labor in concrete ways that facilitate progress toward your aim. Wattles additionally notes—and this is vital—that wishes come to people who more than fill their current position, job, or responsibilities. This means that whatever your present job, you must not neglect it but rather you must excel at it. The person who outgrows his or her current occupation is the one who expands to the next. This is a law of life. You cannot proceed through the next phase of your existence until you have satisfied your obligations to present conditions. Greatness often appears in the person who does his or her work so well that, like a sunflower no longer fitted to a pot, the pot itself bursts and he finds himself in fresh soil beyond it. —MH Chapter 12 Efficient Action You must use your thought as directed in previous chapters, and begin to do what you can do where you are; and you must do ALL that you can do where you are. You can advance only by being larger than your present place; and no man is larger than his present place who leaves undone any of the work pertaining to that place. The world is advanced only by those who more than fill their present places. If no man quite filled his present place, you can see that there must be a going backward in everything. Those who do not quite fill their present places are a dead weight upon society, government, commerce, and industry; they must be carried along by others at a great expense. The progress of the world is retarded only by those who do not fill the places they are holding; they belong to a former age and a lower stage or plane of life, and their tendency is toward degeneration. No society could advance if every man was smaller than his place; social evolution is guided by the law of physical and mental evolution. In the animal world, evolution is caused by excess of life. The world is advanced only by those who more than fill their present places. When an organism has more life than can be expressed in the functions of its own plane, it develops the organs of a higher plane, and a new species is originated. There never would have been new species had there not been organisms which more than filled their places. The law is exactly the same for you; your getting rich depends upon your applying this principle to your own affairs. Every day is either a successful day or a day of failure; and it is the successful days which get you what you want. If every day is a failure, you can never get rich; while if every day is a success, you cannot fail to get rich. If there is something that may be done to-day, and you do not do it, you have failed in so far as that thing is concerned; and the consequences may be more disastrous than you imagine. You cannot foresee the results of even the most trivial act; you do not know the workings of all the forces that have been set moving in your behalf. Much may be depending on your doing some simple act; it may be the very thing which is to open the door of opportunity to very great possibilities. You can never know all the combinations which Supreme Intelligence is making for you in the world of things and of human affairs; your neglect or failure to do some small thing may cause a long delay in getting what you want. Do, every day, ALL that can be done that day. There is, however, a limitation or qualification of the above that you must take into account. You are not to overwork, nor to rush blindly into your business in the effort to do the greatest possible number of things in the shortest possible time. You are not to try to do to-morrow’s work to-day, nor to do a week’s work in a day. It is really not the number of things you do, but the EFFICIENCY of each separate action that counts. Every act is, in itself, either a success or a failure. Every act is, in itself, either effective or inefficient. Every inefficient act is a failure, and if you spend your life in doing inefficient acts, your whole life will be a failure. The more things you do, the worse for you, if all your acts are inefficient ones. On the other hand, every efficient act is a success in itself, and if every act of your life is an efficient one, your whole life MUST be a success. The cause of failure is doing too many things in an inefficient manner, and not doing enough things in an efficient manner. You will see that it is a self-evident proposition that if you do not do any inefficient acts, and if you do a sufficient number of efficient acts, you will become rich. If, now, it is possible for you to make each act an efficient one, you see again that the getting of riches is reduced to an exact science, like mathematics. The matter turns, then, on the question whether you can make each separate act a success in itself. And this you can certainly do. You can make each act a success, because All Power is working with you; and All Power cannot fail. Power is at your service; and to make each act efficient you have only to put power into it. Every action is either strong or weak; and when every one is strong, you are acting in the Certain Way which will make you rich. Every act can be made strong and efficient by holding your vision while you are doing it, and putting the whole power of your FAITH and PURPOSE into it. It is at this point that the people fail who separate mental power from personal action. They use the power of mind in one place and at one time, and they act in another place and at another time. So their acts are not successful in themselves; too many of them are inefficient. But if All Power goes into every act, no matter how commonplace, every act will be a success in itself; and as in the nature of things every success opens the way to other successes, your progress toward what you want, and the progress of what you want toward you, will become increasingly rapid. Remember that successful action is cumulative in its results. Since the desire for more life is inherent in all things, when a man begins to move toward larger life more things attach themselves to him, and the influence of his desire is multiplied. Do, every day, all that you can do that day, and do each act in an efficient manner. Do, every day, all that you can do that day, and do each act in an efficient manner. In saying that you must hold your vision while you are doing each act, however trivial or commonplace, I do not mean to say that it is necessary at all times to see the vision distinctly to its smallest details. It should be the work of your leisure hours to use your imagination on the details of your vision, and to contemplate them until they are firmly fixed upon your memory. If you wish speedy results, spend practically all your spare time in this practice. By continuous contemplation you will get the picture of what you want, even to the smallest details, so firmly fixed upon your mind, and so completely transferred to the mind of Formless Substance, that in your working hours you need only to mentally refer to the picture to stimulate your faith and purpose, and cause your best effort to be put forth. Contemplate your picture in your leisure hours until your consciousness is so full of it that you can grasp it instantly. You will become so enthused with its bright promises that the mere thought of it will call forth the strongest energies of your whole being. Let us again repeat our syllabus, and by slightly changing the closing statements bring it to the point we have now reached. There is a thinking stuff from which all things are made, and which, in its original state, permeates, penetrates, and fills the interspaces of the universe. A thought, in this substance, produces the thing that is imaged by the thought. Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the thing he thinks about to be created. In order to do this, man must pass from the competitive to the creative mind; he must form a clear mental picture of the things he wants, and do, with faith and purpose, all that can be done each day, doing each separate thing in an efficient manner. Afternote To succeed with this program you must, as noted, select a bold but realistic aim; labor toward your aim; persistently and passionately hold a mental picture of your aim; persevere; and watch for the arrival of your aim through established channels. There is now one final, vital ingredient I want to highlight, and it comes not from The Science of Getting Rich but from another of Wattles’ writings, an essay called “How to Get What You Want.” In “How to Get What You Want,” Wattles talks about the importance of what he called Power-Consciousness. “This is what you feel,” he wrote, “when you know that you can do a thing, and you know HOW to do the thing.” Now, some say that positive-mind metaphysics feeds delusion. They are wrong. In fact, most people face the problem of underestimating what they are capable of. That is where cultivation of Power-Consciousness comes in. Wattles prescribes a useful exercise to build your sense of PowerConsciousness: Practice the following mental exercise several times a day, and especially just before going to sleep. Think quietly about the subconscious mentality, which permeates your whole body as water permeates a sponge; as you think of this mind, try to feel it; you will soon be able to become conscious of it. Hold this consciousness, and say with deep, earnest feeling: “I CAN succeed! All that is possible to anyone is possible to me. I AM successful. I do succeed, for I am full of the Power of Success.” An important adjunct to this exercise is mentioned earlier: to more than fulfill the responsibilities that are presently yours. Doing things greatly means doing small things greatly. I have found that many people avoid or short-shrift the basics, which are, in themselves, a path to power and excellence. As you raise your eyes to where you wish to be, use every opportunity to express your dedication and agency by handling the things that are currently under your purview, no matter how seemingly modest. “You can advance,” Wattles wrote, “only by being larger than your present place.” That is true power. —MH Chapter 13 Getting into the Right Business Success, in any particular business, depends for one thing upon your possessing in a well-developed state the faculties required in that business. Without good musical faculty no one can succeed as a teacher of music; without well-developed mechanical faculties no one can achieve great success in any of the mechanical trades; without tact and the commercial faculties no one can succeed in mercantile pursuits. But to possess in a welldeveloped state the faculties required in your particular vocation does not insure getting rich. There are musicians who have remarkable talent, and who yet remain poor; there are blacksmiths, carpenters, and so on who have excellent mechanical ability, but who do not get rich; and there are merchants with good faculties for dealing with men who nevertheless fail. The different faculties are tools; it is essential to have good tools, but it is also essential that the tools should be used in the Right Way. One man can take a sharp saw, a square, a good plane, and so on, and build a handsome article of furniture; another man can take the same tools and set to work to duplicate the article, but his production will be a botch. He does not know how to use good tools in a successful way. The various faculties of your mind are the tools with which you must do the work which is to make you rich; it will be easier for you to succeed if you get into a business for which you are well equipped with mental tools. Generally speaking, you will do best in that business which will use your strongest faculties; the one for which you are naturally “best fitted.” But there are limitations to this statement, also. No man should regard his vocation as being irrevocably fixed by the tendencies with which he was born. You can get rich in ANY business, for if you have not the right talent for it you can develop that talent; it merely means that you will have to make your tools as you go along, instead of confining yourself to the use of those with which you were born. It will be EASIER for you to succeed in a vocation for which you already have the talents in a well-developed state; but you CAN succeed in any vocation, for you can develop any rudimentary talent, and there is no talent of which you have not at least the rudiment. You will get rich most easily in point of effort, if you do that for which you are best fitted; but you will get rich most satisfactorily if you do that which you WANT to do. Doing what you want to do is life; and there is no real satisfaction in living if we are compelled to be forever doing something which we do not like to do, and can never do what we want to do. And it is certain that you can do what you want to do; the desire to do it is proof that you have within you the power which can do it. Doing what you want to do is life. Desire is a manifestation of power. The desire to play music is the power which can play music seeking expression and development; the desire to invent mechanical devices is the mechanical talent seeking expression and development. Where there is no power, either developed or undeveloped, to do a thing, there is never any desire to do that thing; and where there is strong desire to do a thing, it is certain proof that the power to do it is strong, and only requires to be developed and applied in the Right Way. Desire is a manifestation of power. All things else being equal, it is best to select the business for which you have the best developed talent; but if you have a strong desire to engage in any particular line of work, you should select that work as the ultimate end at which you aim. You can do what you want to do, and it is your right and privilege to follow the business or avocation which will be most congenial and pleasant. You are not obliged to do what you do not like to do, and should not do it except as a means to bring you to the doing of the thing you want to do. If there are past mistakes whose consequences have placed you in an undesirable business or environment, you may be obliged for some time to do what you do not like to do; but you can make the doing of it pleasant by knowing that it is making it possible for you to come to the doing of what you want to do. If you feel that you are not in the right vocation, do not act too hastily in trying to get into another one. The best way, generally, to change business or environment is by growth. Do not be afraid to make a sudden and radical change if the opportunity is presented, and you feel after careful consideration that it is the right opportunity; but never take sudden or radical action when you are in doubt as to the wisdom of doing so. There is never any hurry on the creative plane; and there is no lack of opportunity. When you get out of the competitive mind you will understand that you never need to act hastily. No one else is going to beat you to the thing you want to do; there is enough for all. If one place is taken, another and a better one will be opened for you a little farther on; there is plenty of time. When you are in doubt, wait. Fall back on the contemplation of your vision, and increase your faith and purpose; and by all means, in times of doubt and indecision, cultivate gratitude. There is never any hurry on the creative plane; and there is no lack of opportunity. A day or two spent in contemplating the vision of what you want, and in earnest thanksgiving that you are getting it, will bring your mind into such close relationship with the Supreme that you will make no mistake when you do act. There is a mind which knows all there is to know; and you can come into close unity with this mind by faith and the purpose to advance in life, if you have deep gratitude. Mistakes come from acting hastily, or from acting in fear or doubt, or in forgetfulness of the Right Motive, which is more life to all, and less to none. As you go on in the Certain Way, opportunities will come to you in increasing number; and you will need to be very steady in your faith and purpose, and to keep in close touch with the All Mind by reverent gratitude. Do all that you can do in a perfect manner every day, but do it without haste, worry, or fear. Go as fast as you can, but never hurry. Remember that in the moment you begin to hurry you cease to be a creator and become a competitor; you drop back upon the old plane again. Whenever you find yourself hurrying, call a halt; fix your attention on the mental image of the thing you want, and begin to give thanks that you are getting it. The exercise of GRATITUDE will never fail to strengthen your faith and renew your purpose. Afternote You alone know the right kind of business or vocation to pursue. But I want to add two notes about pursuing your chosen path wisely. Recent to this writing, I was struck by an article by software engineer Alexander Nguyen that appeared at Medium on February 12, 2023, “Why Google Didn’t Lay Me Off as 1 of 12,000.” When the tech giant laid off 12,000 employees the previous month, the author was spared. It was not due to seniority—he had been there only six months. Nor was it due to performance—his employee ratings during that time were “average” or “meets expectations.” He doesn’t exclude performance as a criteria for avoiding layoffs, but that wasn’t a factor in his case. “What is interesting,” he wrote, “is that no one on my team was impacted by this round of layoffs. The product I work on is titled ‘Private Offers’ and that has been a large investment by Google Cloud to compete with other cloud providers. Being part of 26 billion revenue for Google, it’d be hard to justify affecting a profitable team in that area.” He continued, “Working harder did not protect those affected, working on profitable teams did. This wasn’t a factor I considered joining Google, it was chance. And those chances bailed me out in 2023.” It is not always possible, as it was for Nguyen, to land within a profitable team or arena. But his ardently unsentimental lesson should be kept in mind. Whenever possible, seek the profit center of wherever you find yourself. I wrote earlier of being fired from a job. When I arrived at a new publisher, the first thing I noticed was that the most profitable side of its program was the backlist: stalwart oldies that are reprinted again and again. More than 60 percent of profits came from its back catalogue. That’s where I focused my energies: not only r
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