PART ONE
Your Money Blueprint
We live in a world of duality: up and down, light and dark, hot
and cold, in and out, fast and slow, right and left. These are but a few
examples of the thousands of opposite poles. For one pole to exist, the other
pole must also exist. Is it possible to have a right side without a left side?
Not a chance.
Consequently, just as there are
"outer" laws of money, there must be "inner" laws. The outer
laws include things like business knowledge, money management, and investment strategies.
These are essential. But the inner game is just as important. An analogy would
be a carpenter and his tools. Having top-of-the-line tools is imperative, but being
the top-notch carpenter who masterfully uses those tools is even more critical.
I have a saying: "It's not enough to be
in the right place at the right time. You have to be the right person in the
right place at the right time."
So who are you? How do you think? What are
your beliefs? What are your habits and traits? How do you really feel about your-self?
How confident are you in your-self? How well do you relate to others? How much
do you trust others?
Do you truly feel that you deserve wealth? What is your ability to
act in spite of fear, in spite of worry, in spite of inconvenience, in spite of
discomfort? Can you act when you're not in the mood?
The fact is that your character, your thinking,
and your beliefs are a critical part of what determines the level of your success.
One of my favorite authors, Stuart Wilde,
puts it this way:
"The
key to success is to raise your own energy; when you do, people will naturally
be attracted to you. And when they show up, bill 'em!"
WEALTH
PRINCIPLE:
Your income can grow only to the extent you
do!
Why Is Your Money Blueprint Important?
Have
you heard of people who have "blown up" financially? Have you noticed
how some people have a lot of money and then lose it, or have excellent
opportunities start well but then go sour on them? Now you know the real cause.
On the outside it looks like bad luck, a downturn in the economy, a lousy
partner, whatever. On the inside, however, it's another matter. That's why, if
you come into big money when you're not ready for it on the inside, the chances
are your wealth will be short-lived and you will lose it.
The vast majority of people simply do not
have the internal capacity to create and hold on to large amounts of money and the
increased challenges that go with more money and success. That, my friends, is
the primary reason they don't have much money.
A perfect example is lottery winners.
Research has shown again and again that regardless of the size of their
winnings, most lottery winners eventually return to their original financial
state, the amount they can comfortably handle.
On the other hand, the opposite occurs for
self-made millionaires. Notice that when self-made millionaires lose their money,
they usually have it back within a relatively short time. Donald Trump is a
good example. Trump was worth billions, lost everything, and then a couple of
years later, got it all back again and more.
Why does this phenomenon occur? Because even
though some self-made millionaires may lose their money, they never lose the
most important ingredient to their success: their millionaire mind. Of course
in "The Donald" 's case, it's his "billionaire" mind. Do
you realize Donald Trump could never be just a millionaire? If Donald Trump had
a net worth of only 1 million dollars, how do you think he'd feel about his financial
success? Most people would agree that he'd probably feel broke, like a
financial failure!
That's because Donald Trump's financial
"thermostat" is set for billions, not millions. Most people's financial
thermostats are set for generating thousands, not millions of dollars; some
people's financial thermostats are set for generating hundreds, not even
thousands; and some people's financial thermostats are set for below zero.
They're frickin' freezing and they don't have a clue as to why!
The reality is that most people do not reach
their full potential. Most people are not successful. Research shows that 80 percent
of individuals will never be financially free in the way they'd like to be, and
80 percent will never claim to be truly happy.
The reason is simple. Most people are
unconscious. They are a little asleep at the wheel. They work and think on a superficial
level of life--based only on what they can see. They live strictly in the
visible world.
The Roots Create the Fruits
Imagine a tree. Let's suppose this tree represents the tree of life.
On this tree there are fruits. In life, our fruits are called our results. So
we look at the fruits (our results) and we don't like them; there aren't enough
of them, they're too small, or they don't taste good.
So what do we tend to do? Most of us put
even more attention and focus on the fruits, our results. But what is it that actually
creates those particular fruits? It's the seeds and the roots that create those
fruits.
It's what's under the ground that creates
what's above the ground. It's what's invisible that creates what's visible. So
what does that mean? It means that if you want to change the fruits, you will
first have to change the roots. If you want to change the visible, you must
first change the invisible.
WEALTH
PRINCIPLE:
If you want to change the fruits, you will first have to change
the roots. If you want to change the visible, you must first change the
invisible.
Of course, some say that seeing is
believing. The question I have for such people is "Why do you bother
paying your electric bill?" Although you cannot see electricity, you can
certainly recognize and use its power. If you have any doubt as to whether it
exists, just stick your finger in an electric socket, and I guarantee that your
doubts will quickly disappear.
In my experience, what you cannot see in
this world is far more powerful than anything you can see. You may or may not
agree with this statement, but to the extent that you do not apply this
principle in your life, you must be suffering. Why? Because you are going against
the laws of nature, whereby what is under the ground creates what is above the
ground, where what is invisible creates what is visible.
As humans, we are a part of nature, not
above it. Consequently, when we align with the laws of nature and work on our
roots--our "inner" world--our life flows smoothly. When we don't,
life gets rough.
In every forest, on every farm, in every
orchard on earth, it's what's under the ground that creates what's above the
ground. That's why placing your attention on the fruits that you have already
grown is futile. You cannot change the fruits that are already hanging on the tree.
You can, however, change tomorrow's fruits. But to do so, you will have to dig
below the ground and strengthen the roots.
The Four Quadrants
One of the most important things you can ever understand is that
we do not live on only one plane of existence. We live in at least four
different realms at once. These four quadrants are the physical world, the mental
world, the emotional world, and the spiritual world.
What most people never realize is that the
physical realm is merely a "printout" of the other three.
For example, let's suppose you've just
written a letter on your computer. You hit the print key and the letter comes
out of your printer. You look at your hard copy, and lo and behold, you find a
typo. So you take out your trusty eraser and rub out the typo. Then you hit print
again and out comes the same typo.
Oh my gosh, how could this be? You just
erased it! So this time you get a bigger eraser and you rub even harder and longer.
You even study a three-hundred-page manual called Effective Erasing. Now you've
got all the "tools" and knowledge you need. You're ready. You hit print
and there it is again! "No way!" you cry out, stunned in amazement.
"How could this be? What's going on here? Am I in the twilight zone?"
What's going on here is that the real problem
cannot be changed in the "printout," the physical world; it can only
be changed in the "program," the mental, emotional, and spiritual worlds.
Money is a result, wealth is a result,
health is a result, illness is a result, your weight is a result. We live in a
world of cause and effect.
WEALTH
PRINCIPLE:
Money is a result, wealth is a result, health is a result, illness
is a result, your weight is a result. We live in a world of cause and effect.
Have you ever heard someone assert that a
lack of money was a bit of a problem? Now hear this: A lack of money is never,
ever, ever a problem. A lack of money is merely a symptom of what is going on
underneath.
Lack of money is the effect, but what is the
root cause? It boils down to this. The only way to change your
"outer" world is to first change your "inner" world.
Whatever results you're getting, be they
rich or poor, good or bad, positive or negative, always remember that your
outer world is simply a reflection of your inner world. If things aren't going
well in your outer life, it's because things aren't going well in your inner
life. It's that simple.
Declarations: A Powerful Secret for
Change
In my seminars we use "accelerated learning"
techniques that allow you to learn faster and remember more of what you learn.
The key is "involvement." Our approach follows from the old saying
"What you hear, you forget; what you see, you remember; what you do, you
understand."
So I'm going to ask that every time you
reach the end of a major principle in this book, you first put your hand on
your heart, then make a verbal "declaration," then touch your head with
your index finger and make another verbal "declaration." What's a
declaration? It's simply a positive statement that you make emphatically, out
loud.
Why are declarations such a valuable tool?
Because every-thing is made of one thing: energy. All energy travels in frequencies
and vibrations. Therefore, each declaration you make carries its own vibrational
frequency. When you state a declaration aloud, its energy vibrates throughout the
cells of your body, and by touching your body at the same time, you can feel
its unique resonance. Declarations not only send a specific message to the
universe, they also send a powerful message to your subconscious mind.
The difference between a declaration and an
affirmation is slight, but in my mind, powerful. The definition of an affirmation
is "a positive statement asserting that a goal you wish to achieve is
already happening." The definition of a declaration is "to state an
official intention to undertake a particular course of action or adopt a
particular status."
An affirmation states that a goal is already
happening. I'm not crazy about this because, often when we affirm something that
is not yet real, the little voice in our head usually responds with "This
isn't true, this is BS."
On the other hand, a declaration is not
saying something is true, it's stating that we have an intention of doing or
being something. This is a position the little voice can buy, because we're not
stating it's true right now, but again, it's an intention for us in the future.
A declaration, by definition, is also
official. It is a formal statement of energy into the universe and throughout
your body.
Another word from the definition is
important--action. You must take all the actions necessary to make your
intention a reality.
I recommend that you state your declarations
aloud each morning and each evening. Doing your declarations while looking into
a mirror will accelerate the process even more.
Now I have to admit that when I first heard
of all this, I said, "No way. This declaration stuff is far too hokey for
me." But because I was broke at the time, I decided, "What the heck,
it can't hurt," and started doing them. Now I'm rich, so it shouldn't come
as a big surprise that I believe that declarations really work.
Either way, I'd rather be really hokey and
really rich than really cool and really broke. How about you?
That said, I invite you to place your hand
on your heart and repeat the following...
DECLARATION:
"My inner world creates my outer
world."
Now touch your head and say... "I have a millionaire mind."
What Is Your Money Blueprint and
How Is It Formed?
Whether I'm appearing on radio or television, I'm well-known for
making the following statement: "Give me five minutes, and I can predict
your financial future for the rest of your life."
WEALTH
PRINCIPLE:
Give me five minutes, and I can predict your financial future
for the rest of your life.
How? In a short conversation, I can identify what's called your money
and success "blueprint." Each of us has a personal money and success
blueprint already embedded in our subconscious mind. And this blueprint, more
than anything and everything else combined, will determine your financial destiny.
What is a money blueprint? As an analogy,
let's consider the blueprint for a house, which is a preset plan or design for
that particular home. In the same way, your money blueprint is simply your
preset program or way of being in relation to money.
I want to introduce you to an extremely
important formula. It determines how you create your reality and wealth. Many
of the most respected teachers in the field of human potential have used this
formula as a foundation for their teachings. Called the Process of
Manifestation, it goes like this:
TFA = R
WEALTH
PRINCIPLE:
Thoughts lead to feelings. Feelings lead to
actions.
Actions lead to results.
Your financial blueprint consists of a
combination of your thoughts, feelings, and actions in the arena of money.
So how is your money blueprint formed? The
answer is simple. Your financial blueprint consists primarily of the information
or "programming" you received in the past, and especially as a young
child.
Who were the primary sources of this
programming or conditioning? For most people, the list includes parents, siblings,
friends, authority figures, teachers, religious leaders, media, and your
culture, to name a few.
Let's take culture. Isn't it true that certain
cultures have one way of thinking and dealing with money, while other cultures have
a different approach? Do you think a child comes out of the womb with his or
her attitudes toward money, or do you believe the child is taught how to deal
with money? That's right. Every child is taught how to think about and act in
relation to money.
The same holds true for you, for me, for
everyone. You were taught how to think and act when it comes to money. These
teachings become your conditioning, which becomes automatic responses that run you
for the rest of your life. Unless, of course, you intercede and revise your
mind's money files. This is exactly what we are going to do in this book, and what
we do for thousands of people each year, on a deeper and more permanent level
at the Millionaire Mind Intensive Seminar.
We said earlier that thoughts lead to
feelings, that feelings lead to actions, that actions lead to results. So
here's an interesting question: Where do your thoughts come from? Why do you
think differently from the next person?
Your thoughts originate from the "files
of information" you have in the storage cabinets of your mind. So where
does this information come from? It comes from your past programming. That's right,
your past conditioning determines every thought that bubbles up in your mind.
That's why it's often referred to as the conditioned mind.
To reflect this understanding, we can now
revise our Process of Manifestation in the following manner:
PTFA = R
Your programming leads to your thoughts;
your thoughts lead to your feelings; your feelings lead to your actions; your actions
lead to your results.
Therefore, just as is done with a personal
computer, by changing your programming, you take the first essential step to changing
your results.
So how are we conditioned? We are
conditioned in three primary ways in every arena of life, including money:
Verbal programming: What did you hear when
you were young?
Modeling: What did you see when you were
young?
Specific incidents: What did you experience
when you were young?
The three aspects of conditioning are
important to understand, so let's go over each of them. In Part II of this
book, you will learn how to recondition yourself for wealth and success.
The First Influence: Verbal
Programming
Let's begin with verbal programming. What did you hear about money,
wealth, and rich people when you were growing up?
Did you ever hear phrases like money is the
root of all evil, save your money for a rainy day, rich people are greedy, rich
people are criminals, filthy rich, you have to work hard to make money, money doesn't
grow on trees, you can't be rich and spiritual, money doesn't buy happiness,
money talks, the rich get richer and the poor get poorer, that's not for people
like us, not everyone can be rich, there's never enough, and the infamous we
can't afford it ?
In my household, every time I asked my
father for any money I'd hear him scream, "What am I made of...
money?" Jokingly I'd respond, "I wish. I'll take an arm, a hand, even
a finger." He never laughed once.
Here's the rub. All the statements you heard
about money when you were young remain in your subconscious mind as part of the
blueprint that is running your financial life.
Verbal conditioning is extremely powerful.
For example, when my son, Jesse, was three years old, he ran over to me and excitedly
said, "Daddy, let's go see the Ninja Turtle movie. It's playing near
us." For the life of me, I couldn't figure out how this toddler could
already be a master of geography. A couple of hours later, I got my answer in
the form of a TV commercial advertising the movie, which had at the end the usual
tagline: "Now playing at a theater near you."
Another example of the power of verbal
conditioning came at the expense of one of our Millionaire Mind seminar participants.
Stephen didn't have a problem earning money; his challenge was keeping it.
At the time Stephen came to the course he
was earning over $800,000 a year and had been doing so for the past nine years.
Yet he was still barely scraping by. Somehow, he managed to spend his money,
lend it, or lose it all by making poor investment decisions. Whatever the
reason, his net worth was exactly zero!
Stephen shared with us that when he was
growing up, his mom always used to say, "Rich people are greedy. They make
their money off the sweat of the poor. You should have just enough to get by.
After that you're a pig."
It doesn't take a rocket scientist to figure
out what was going on inside Stephen's subconscious mind. No wonder he was
broke. He was verbally conditioned by his mother to believe that rich people
are greedy. Therefore, his mind linked up rich with greedy, which of course is
bad. Since he didn't want to be bad, subconsciously he couldn't be rich.
Stephen loved his mom and didn't want her to
disapprove of him. Obviously, based on her beliefs, if he were to get rich, she
wouldn't approve. Therefore, the only thing for him to do was to get rid of any
extra money beyond just getting by, otherwise he'd be a pig!
Now, you would think that in choosing
between being rich and being approved of by Mom or anyone else for that matter,
most people would take being rich. Not a chance! The mind just doesn't work
that way. Sure, riches would seem to be the logical choice. But when the
subconscious mind must choose between deeply rooted emotions and logic,
emotions will almost always win.
WEALTH
PRINCIPLE:
When the subconscious mind must choose between deeply rooted
emotions and logic, emotions will almost always win.
Let's get back to our story. In less than
ten minutes at the course, using some extremely effective experiential
techniques, Stephen's money blueprint changed dramatically. In only two years,
he went from being broke to becoming a millionaire.
At the course, Stephen began to understand
that these non-supportive beliefs were his mom's, based on her past programming,
and not his. We then took it a step further and helped him to create a strategy
whereby he wouldn't lose his mother's approval if he got rich. It was simple.
His mom loved Hawaii. So Stephen invested in
a beach-front condo on Maui. He sends her there for the entire winter. She's in
heaven, and so is he. First, she now loves that he's rich and tells everyone
how generous he is. Second, he doesn't have to deal with her for six months of
the year. Brilliant!
In my own life, after a slow start, I began
doing well in business but never seemed to make money with my stocks. In becoming
aware of my money blueprint, I recalled that when I was young, each day after
work, my dad would sit down at the dinner table with the newspaper, check the
stock pages, slam his fist on the table, and shout, "Those stinkin'
stocks!" He then spent the next half hour ranting about how stupid the whole
system is and how you have a better chance of making money playing the slot
machines in Las Vegas.
Now that you understand the power of verbal
conditioning, can you see that it's no wonder I couldn't make any money in the
stock market? I was literally programmed to fail, programmed to unconsciously
pick the wrong stock, at the wrong price, at the wrong time. Why? To
subconsciously validate my money blueprint that said, "Stocks stink!"
All I can say is, by digging out this
massive, toxic weed from my inner "financial garden," I began getting
inundated with more fruits! Virtually the day after I reconditioned myself, the
stocks I chose began to boom, and I've continued to have amazing success in the
stock market ever since. It seems incredibly strange, but when you really
understand how the money blueprint works, it makes perfect sense.
Again, your subconscious conditioning
determines your thinking. Your thinking determines your decisions, and your decisions
determine your actions, which eventually determine your outcomes.
There are four key elements of change, each
of which is essential in reprogramming your financial blueprint. They are simple
but profoundly powerful.
The first element of change is awareness.
You can't change something unless you know it exists.
The second element of change is
understanding. By understanding where your "way of thinking"
originates, you can recognize that it has to come from outside you.
The third element of change is
disassociation. Once you realize this way of thinking isn't you, you can
separate yourself from it and choose in the present whether to keep it or let
it go--based on who you are today, and where you want to be tomorrow. You can
observe this way of thinking and see it for what it is, a "file" of
information that was stored in your mind a long, long time ago and may not hold
any truth or value for you anymore.
The fourth element of change is
reconditioning. We will begin this process in Part II of this book, where we
will introduce you to the mental files that generate wealth. Should you want to
take this a step further, I invite you to attend the Millionaire Mind Intensive
Seminar, where you will be led through a series of powerful experiential techniques
that will rewire your subconscious on a cellular and permanent level—retraining
your mind to respond supportively in terms of money and success.
Meanwhile, let's go back to our discussion
on verbal conditioning and the steps you can take now to begin revising your
money blueprint.
Steps for Change: Verbal
Programming
AWARENESS: Write down all the statements you
heard about money, wealth, and rich people when you were young.
UNDERSTANDING: Write down how you believe
these statements have affected your financial life so far.
DISASSOCIATION: Can you see that these
thoughts represent only what you learned and are not part of your anatomy and
not who you are? Can you see that you have a choice in the present moment to be
different?
DECLARATION: Place your hand over your heart
and say...
"What I heard about money isn't
necessarily true. I choose to adopt new ways of thinking that support my
happiness and success."
Touch your head and say...
"I have a millionaire mind."
The Second Influence: Modeling
The second way we are conditioned is called modeling. What were
your parents or guardians like in the arena of money when you were growing up? Did
one or both of them manage their money well or did they mismanage it? Were they
spenders or savers? Were they shrewd investors or were they non-investors? Were
they risk takers or conservative?
Was money consistently there or was the flow more sporadic? Did
money come easily in your family, or was it always a struggle? Was money a
source of joy in your household or the cause of bitter arguments?
Why is this information important? You've
probably heard the saying "Monkey see, monkey do." Well, humans
aren't far behind. As kids, we learn just about everything from modeling.
Although most of us would hate to admit it,
there's more than a grain of truth in the old saying "The apple doesn't
fall too far from the tree."
This reminds me of the story about a woman
who prepares a ham for dinner by cutting off both ends. Her bewildered husband
asks why she cuts off the ends. She replies, "That's how my mom cooked
it." Well, it just so happened that her mom was coming for dinner that
night. So they asked her why she cut off the ends of the ham. Mom replies,
"That's how my mom cooked it." So they decide to call Grandma on the
phone and ask why she cut off the ends of the ham. Her answer? "Because my
pan was too small!"
The point is that generally speaking, we
tend to be identical to one or a combination of our parents in the arena of
money.
For example, my dad was an entrepreneur. He
was in the home-building business. He built anywhere from a dozen to a hundred
homes per project. Each project took a huge amount of capital investment. My
dad would have to put up everything we had and borrow heavily from the bank
until the homes were sold and the cash came through. Consequently, at the beginning
of each project, we had no money and were in debt up to our eyeballs.
As
you can imagine, during this period my dad was not in the best of moods nor was
generosity his strong suit. If I asked him for anything that cost even a penny,
his standard reply after the usual "What am I, made of money?" was
"Are you crazy?" Of course, I wouldn't get a dime, but what I would
get was that "Don't even think of asking again" glare. I'm sure you know
the one.
This scenario would last for about a year or
two until the homes were finally sold. Then, we'd be rolling in dough. All of a
sudden, my dad was a different person. He'd be happy, kind, and extremely
generous. He'd come over and ask me if I needed a few bucks. I felt like giving
him his glare back, but I wasn't that stupid so I just said, "Sure, Dad,
thanks," and rolled my eyes.
Life was good... until that dreaded day when
he'd come home and announce, "I found a good piece of land. We're going to
build again." I distinctly remember saying, "Great, Dad, good
luck," as my heart sank, knowing the struggle that was about to unfold
again.
This pattern lasted from the time I could
remember, when I was about six, until the age of twenty-one, when I moved out of
my parents' house for good. Then it stopped, or so I thought.
At twenty-one years of age, I finished
school and became, you guessed it, a builder. I then went on to several other types
of project-based businesses. For some strange reason, I'd make a small fortune,
but just a short time later, I'd be broke. I'd get into another business and
believe I was on top of the world again, only to hit bottom a year later.
This up-and-down pattern went on for nearly
ten years before I realized that maybe the problem wasn't the type of business
I was choosing, the partners I was choosing, the employees I had, the state of the
economy, or my decision to take time off and relax when things were going well.
I finally recognized that maybe, just maybe, I was unconsciously re-living my
dad's up-and-down income pattern.
All I can say is, thank goodness I learned
what you're learning in this book and was able to recondition myself out of that
"yo-yo" model and into having a consistently growing income. Today,
the urge to change when things are going well and to (sabotage myself in the
process) still comes up. But now, there's another file in my mind that observes
this feeling and says, "Thank you for sharing; now let's get refocused and
back to work."
Another example comes from one of my
seminars in Orlando, Florida. As usual, people were filing up to the stage, one
by one, to get an autograph and say hello or thank you or whatever. I'll never
forget one older gentleman because he came up sobbing. He could barely catch
his breath and kept wiping his tears with his sleeve. I asked him what was
wrong. He said, "I'm sixty-three years old and I've been reading books and
going to seminars since they were invented. I've seen every speaker and tried
everything they taught. I've tried stocks, real estate, and been in over a
dozen different businesses. I went back to university and got an MBA. I've got more
knowledge than ten average men, yet I've never made it financially. I'd always
get a good start but end up empty-handed, and in all those years I never knew
why. I thought I must just be plain old stupid... until today.
"Finally, after listening to you and
doing the processes, it all makes sense. There's nothing wrong with me. I just
had my dad's money blueprint stuck in my head and that's been my nemesis. My
dad went through the heart of the Depression era. Every day he would try getting
jobs or selling things and come home empty-handed. I wish I would have understood
modeling and money patterns forty years ago. What a waste of time, all that
learning and knowledge has been." He began to cry even harder.
I replied, "No way is your knowledge a
waste of time! It has just been latent, waiting in a `mind' bank, waiting for
the opportunity to come out. Now that you've formulated a `success blueprint,'
everything you've ever learned will become usable and you will skyrocket to
success."
For most of us, when we hear the truth, we
know it. He started to lighten up and began breathing deeply again. Then a big
grin came across his face. He gave me the biggest hug and said, "Thank
you, thank you, thank you." Last I heard from him, everything was booming:
he has accumulated more wealth in the last eighteen months than in the past
eighteen years combined. I love it!
Again, you can have all the knowledge and
skills in the world, but if your "blueprint" isn't set for success,
you're financially doomed.
We often get seminar participants whose
parents were involved in World War II or who lived through the Depression. These
people are often in shock when they realize how much their parents' experiences
have influenced their beliefs and habits around money. Some spend like crazy
because "You could easily lose all your money, so you might as well enjoy
it while you can." Others go the opposite route: they hoard their money
and "save for a rainy day."
A word of wisdom: Saving for a rainy day
might sound like a good idea, but it can create big problems. One of the principles
we teach in another of our courses is the power of intention. If you are saving
your money for a rainy day, what are you going to get? Rainy days! Stop doing
that. Instead of saving for a rainy day, focus on saving for a joyous day or
for the day you win your financial freedom. Then, by virtue of the law of
intention, that's exactly what you will get.
Earlier we said that most of us tend to be
identical to one or both parents in the arena of money, but there's also the
flip side of the coin. Some of us end up being exactly the opposite of one or
both parents. Why would that happen? Do the words anger and rebellion ring a
bell? In short, it just depends on how ticked off you were at them.
Unfortunately, as little kids we can't say
to our parents, "Mom and Dad, have a seat. I'd like to discuss something
with you. I'm not fond of the way you're managing your money or, for that
matter, your lives, and therefore, when I become an adult, I'll be doing things
quite differently. I hope you understand. Good night now and pleasant
dreams."
No, no, no, it doesn't go quite that way.
Instead, when our buttons are pushed, we generally freak out and what comes out
sounds more like "I hate you. I'll never be like you. When I grow up, I'm
gonna be rich. Then I'll get whatever I want whether you like it or not."
Then we run to our bedroom, slam the door, and start pounding our pillow or
whatever else is at hand, to vent our frustration.
Many people who come from poor families
become angry and rebellious about it. Often they either go out and get rich or at
least have the motivation to do so. But there's one little hiccup, which is
actually a big burp. Whether such people get rich or work their buns off trying
to become successful, they are not usually happy. Why? Because the root of
their wealth or motivation for money is anger and resentment. Consequently,
money and anger become linked in their minds, and the more money such individuals
have or strive for, the angrier they get.
Eventually, the higher self says, "I'm
tired of being angry and stressed out. I just want to be peaceful and
happy." So they ask the same mind that created the link what to do about this
situation. To which their mind answers, "If you want to get rid of your
anger, you're going to have to get rid of your money." So they do. They subconsciously
get rid of their money.
They overspend or make a poor investment
decision or get a financially disastrous divorce, or they sabotage their success
in some other way. But no matter, because now these folks are happy. Right?
Wrong! Things are even worse because now they're not just angry, they're broke
and angry. They got rid of the wrong thing!
They got rid of the money instead of the
anger, the fruit instead of the root. Meanwhile, the real issue is, and always was,
the anger between them and their parents. And until that anger is resolved,
they will never be truly happy or peaceful regardless of how much money they
have or don't have.
The reason or motivation you have for making
money or creating success is vital. If your motivation for acquiring money or
success comes from a non-supportive root such as fear, anger, or the need to
"prove" yourself, your money will never bring you happiness.
WEALTH
PRINCIPLE:
If
your motivation for acquiring money or success comes from a non-supportive root
such as fear, anger, or the need to "prove" yourself, your money will
never bring you happiness.
Why? Because you can't solve any of these
issues with money. Take fear, for instance. During my seminars I ask the audience,
"How many of you would cite fear as your primary motivation for
success?" Not many people put up their hand. However, then I ask,
"How many of you would cite security as one of your main motivators for
success?" Almost everyone puts up his or her hand. But get this--security
and fear are both motivated by the same thing. Seeking security comes from insecurity,
which is based in fear.
So, will more money dissolve the fear? You
wish! But the answer is absolutely not. Why? Because money is not the root of
the problem; fear is. What's even worse is that fear is not just a problem,
it's a habit. Therefore, making more money will only change the kind of fear we
have. When we were broke, we were most likely afraid we'd never make it or
never have enough. Once we make it, however, our fear usually changes to
"What if I lose what I've made?" or "Every-one's going to want
what I have" or "I'm going to get creamed in taxes." In short,
until we get to the root of this issue and dissolve the fear, no amount of
money will help.
Of course, given a choice, most of us would
rather worry about having money and losing it than not having money at all, but
neither are overly enlightened ways to live.
As with those of us driven by fear, many
people are motivated to achieve financial success to prove they are "good enough."
We'll cover this challenge in detail in Part II of this book, but for now, just
realize that no amount of money can ever make you good enough. Money can't make
you something you already are. Again, as with fear, the "always having to
prove yourself" issue becomes your habitual way of living. You don't even
recognize it's running you. You call yourself a high achiever, a hard driver,
determined, and all these traits are fine. The only question is why? What is
the root engine that drives all this?
For people who are driven to prove they are
good enough, no amount of money can ease the pain of that inner wound that
makes everything and everyone in their life "not enough." No amount
of money, or anything else for that matter, will ever be enough for people who
feel they are not good enough themselves.
Again, it's all about you. Remember, your
inner world reflects your outer world. If you believe you are not enough, you will
validate that belief and create the reality that you don't have enough. On the
other hand, if you believe you are plenty, you will validate that belief and
create plenty of abundance. Why? Because "plenty" will be your root,
which will then become your natural way of being.
By unlinking your money motivation from
anger, fear, and the need to prove yourself, you can install new links for earning
your money through purpose, contribution, and joy. That way, you'll never have
to get rid of your money to be happy.
Being a rebel or the opposite of your
parents is not always a problem. To the contrary, if you were a rebel (often
the case with second-born children) and your folks had poor money habits, it's
probably a good thing that you are their opposite. On the other hand, if your
parents were successful and you're rebelling against them, you could be in for
serious financial difficulties.
Either way, what's important is to recognize
how your way of being relates to one or both of your parents in the arena of money.
Steps for Change: Modeling
AWARENESS: Consider the ways of being and
habits each of your parents had around money and wealth. Write down how you may
be identical or opposite to either of them.
UNDERSTANDING: Write down the effect this
modeling has had on your financial life.
DISASSOCIATION: Can you see this way of
being is only what you learned and isn't you? Can you see you have a choice in
the present moment to be different?
DECLARATION: Place your hand over your heart
and say...
"What I modeled around money was
their way. I choose my way."
Touch your head and say...
"I have a millionaire mind!"
The Third Influence: Specific
Incidents
The
third primary way in which we are conditioned is by specific incidents. What did
you experience when you were young around money, wealth, and rich people? These
experiences are extremely important because they shape the beliefs--or rather,
the illusions--you now live by.
Let me give you an example. A woman who was
an operating-room nurse attended the Millionaire Mind Intensive Seminar. Josey
had an excellent income, but somehow she always spent all of her money. When we
dug a little deeper, she revealed that when she was eleven years old, she remembers
being at a Chinese restaurant with her parents and her sister. Her mom and dad were
having yet another bitter argument about money. Her dad was standing up, screaming
and slamming his fist on the table. She remembers him turning red, then blue,
then falling to the floor from a heart attack. She was on the swim team at school
and had CPR training, which she administered, but to no avail. Her father died
in her arms.
And so, from that day forth, Josey's mind
linked money with pain. It's no wonder then that as an adult, she subconsciously
got rid of all of her money in an effort to get rid of her pain. It's also
interesting to note that she became a nurse. Why? Is it possible that she was
still trying to save her dad?
At the course, we helped Josey identify her
old money blueprint and revise it. Today she's well on her way to be-coming
financially free. She's also not a nurse anymore. Not that she didn't enjoy her
job. It's just that she was in the nursing profession for the wrong reason.
She's now a financial planner, still helping people, but this time one-on-one,
to understand how their past programming runs every aspect of their financial
lives.
Let me give you another example of a
specific incident, one that's closer to home. When my wife was eight years old,
she would hear the clanging bells of the ice cream truck coming down the
street. She would run to her mom and ask for a quarter. Her mom would reply, "Sorry,
dear, I don't have any money. Go ask Dad. Dad's got all the money." My
wife would then go ask her dad. He'd give her a quarter, she'd go get her ice
cream cone, and she was a happy camper.
Week after week, the same incident would
repeat itself. So what did my wife learn about money?
First, that men have all the money. So once
we got married, what do you think she expected of me? That's right: money. And
I'll tell you what, she wasn't asking for quarters anymore! Somehow she'd
graduated.
Second, she learned that women don't have
money. If her mom (the deity) didn't have money, obviously this is the way she
should be. To validate that way of being, she would subconsciously get rid of
all her money. She was quite precise about it too. If you gave her $100, she'd
spend $100. If you gave her $200, she'd spend $200. If you gave her $500, she'd
spend $500, and if you gave her $1,000, she'd spend $1,000. Then she took one
of my courses and learned all about the art of leverage. I gave her $2,000, she
spent $10,000! I tried to explain, "No, honey, leverage means we're the
ones who are supposed to get the ten thousand dollars, not spend it." Somehow
it just wasn't sinking in.
The only thing we ever fought about was
money. It almost cost us our marriage. What we didn't know at the time was that
the meanings each of us attributed to money were radically different. To my
wife, money meant immediate pleasure (as in enjoying her ice cream). I, on the
other hand, grew up with the belief that money was meant to be accumulated as
the means to create freedom.
As far as I was concerned, whenever my wife
spent money, she wasn't spending money, she was spending our future freedom.
And as far as she was concerned, whenever I held her back from spending, I was
taking away her pleasure in life.
Thank goodness we learned how to revise each
of our money blueprints and, more importantly, create a third money blueprint
specifically for the relationship.
Success Story from Deborah Chamitoff
From:
Deborah Chamitoff
To:
T. Harv Eker Subject: Financially free!
Harv,
Today, I have 18 sources of passive income
and I no longer need a J.O.B. Yes, I am rich, but more importantly, my life is
enriched, joyful, and abundant! But it wasn't always this way.
Money used to be a burden to me. I trusted
strangers to manage my financial affairs just so I wouldn't have to deal with
it. I lost almost everything during the last stock market crash, and I didn't
even realize it until it was too late.
More importantly, I lost my self-respect. Paralyzed
with fear, shame, and hopelessness, I withdrew from everyone and everything
around me. I continued to punish myself right up until I was dragged to the
Millionaire Mind.
During that transformational weekend, I
reclaimed my power and resolved to take control of my own financial destiny. I
embraced the Declarations of Wealth and forgave myself for past mistakes, truly
believing that I deserved to be wealthy.
And now, I'm actually having fun managing my
own money! I am financially free and know I always will be because I have a
Millionaire Mind!
Thank you, Harv . . . thank you.
Does all this work? Let me put it this way;
I've witnessed three miracles in my life:
1. The birth of my daughter.
2. The birth of my son.
3. My wife and I not fighting about money
anymore!
Statistics show that the number one cause of
all relationship breakups is money. The biggest reason behind the fights people
have about money is not the money itself, but the mismatch of their
"blueprints." It doesn't matter how much money you have or don't
have. If your blueprint doesn't match that of the person you're dealing with,
you'll have a major challenge. This goes for married couples, dating couples, family
relationships, and even business associates. The key is to comprehend that you
are dealing with blueprints, not money. Once you recognize a person's money
blueprint, you can deal with your partner in a way that works for both of you. You
can begin by becoming aware that your partner's money files are probably not
the same as yours. Instead of getting upset, choose understanding. Do your best
to find out what's important to your partner in the arena of money and identify
his or her motivations and fears. In this way, you'll be dealing with the roots
instead of the fruits and have a good shot of making it work. Otherwise, no
way, Jose!
One of the most important things you will
learn, should you decide to attend the Millionaire Mind Intensive Seminar, is how
to recognize your partner's money blueprint as well as how to create a
brand-new blueprint between both of you that helps you as partners get what you
really want. It is truly a blessing to be able to do this, as it alleviates one
of the biggest causes of pain for most people.
Steps for Change: Specific
Incidents
Here's an exercise you can do with your partner. Sit down and discuss
the history each of you brings to your thoughts about money--what you heard when
you were young, what was modeled in your family, and any emotional incidents
that occurred. Also, find out what money really means to your partner. Is it
pleasure or freedom or security or status? This will assist you in identifying
each other's current money blueprint and may help you discover why you might be
dis-agreeing in this arena.
Next, discuss what you want today not as
individuals, but as a partnership. Decide and agree upon your general goals and
attitudes with regard to money and success. Then create a list of these
attitudes and actions you both agree to live by and write them down. Post them
on the wall, and if ever there's an issue, gently, very gently, remind each
other what you decided together when you were both objective, unemotional, and outside
the grip of your old money blueprints.
AWARENESS: Consider a specific emotional
incident you experienced around
money when you were young.
UNDERSTANDING: Write down how this incident
may have affected your current financial life.
DISASSOCIATION: Can you see this way of
being is only what you learned and isn't you? Can you see you have a choice in
the present moment to be different?
DECLARATION: Place your hand on your heart
and say...
"I release my non-supportive money
experiences from the past and create a new and rich future."
Touch your head and say...
"I have a millionaire mind!"
So What Is Your Money Blueprint Set For?
Now, it's time to answer the "million dollar"
question. What is your current money and success blueprint, and what results is
it subconsciously moving you toward? Are you set for success, mediocrity, or
financial failure? Are you programmed for struggle or for ease around money?
Are you set for working hard for your money or working in balance?
Are you conditioned for having a consistent
income or an inconsistent income? You know the scoop: "First you have it, then
you don't, then you have it, then you don't." It always appears as though
the reasons for these drastic fluctuations come from the outside world. For
instance: "I got a great-paying job but then the company folded. Then I
started my own business and things were booming, but the market dried up. My
next business was doing super, but then my partner left, et cetera." Don't
be fooled, this is your blueprint at work.
Are you set for having a high income, a
moderate income, or a low income? Did you know there are actual dollar amounts
for which many of us are programmed? Are you set for earning $20,000 to $30,000
a year? $40,000 to $60,000? $75,000 to $100,000? $150,000 to $200,000? $250,000
a year or more?
A few years ago, I had an unusually
well-dressed gentleman in the audience during one of my two-hour evening seminars.
When the seminar was complete, he came over and asked if I thought the
three-day Millionaire Mind course could do anything for him, considering he was
already earning $500,000 a year. I asked him how long he'd earned that kind of money.
He responded, "Consistently, for about seven years now."
That was all I needed to hear. I asked him
why he wasn't earning $2 million a year. I told him that the program was for people
who want to reach their full financial potential and asked him to consider why
he was "stuck" at half a million. He decided to come to the program.
I got an e-mail from him a year later that
said, "The program was incredible but I made a mistake. I only reset my money
blueprint to earn the $2 million a year as we discussed. I'm already there, so
I'm attending the course again to reset it for earning $10 million a
year."
The point I want to make is that the actual
amounts don't matter. What matters is whether you are reaching your full financial
potential. I know many of you might be asking, why on earth would anyone need that
kind of money? First, that very question is not overly supportive to your
wealth and is a sure sign you'll want to revise your money blueprint. Second, the
main reason this gentleman wanted to earn massive amounts of money was to support
his work as a huge donor to a charity that assists AIDS victims in Africa. So
much for the belief that rich people are "greedy"!
Let's go on. Are you programmed for saving
money or for spending money? Are you programmed for managing your money well or
mismanaging it?
Are you set for picking winning investments
or picking losers? You might wonder, "How could whether or not I make money
in the stock market or in real estate be part of my blueprint?" Simple.
Who picks the stock or the property? You do. Who picks when you buy it? You do.
Who picks when you sell it? You do. I guess you've got something to do with the
equation.
I have an acquaintance in San Diego named
Larry. Larry is a magnet when it comes to making money: he definitely has a high
income blueprint. But he has the kiss of death when it comes to investing his
money. Whatever he buys drops like a rock. (Would you believe his dad had the
exact same problem? Duh! I keep in close touch with Larry so I can ask him for investment
advice. It is always perfect... perfectly wrong!
Whatever Larry suggests, I go the other way. I love Larry!
On the other hand, notice how other people
seem to have what we termed earlier the Midas touch. Everything they get involved
with turns to gold. Both the Midas-touch and the kiss-of-death syndromes are nothing
more than the manifestations of money blueprints.
Once again, your money blueprint will
determine your financial life--and even your personal life. If you are a woman whose
money blueprint is set for low, chances are you will attract a man who is also
set for low so you can stay in your financial "comfort zone" and validate
your blueprint. If you are a man who is set for low, chances are you will
attract a woman who is a spender and gets rid of all your money, so you can
stay in your financial "comfort zone" and validate your blueprint.
Most people believe the success of their
business is primarily dependent on their business skills and knowledge or at least
their timing of the marketplace. I hate to be the one to break it to you, but
that's la-la land, which is another way of saying, not a chance! How well your
business does is a result of your money blueprint. You will always validate
your blueprint. If you have a blueprint that is set for earning $100,000 a
year, that's exactly how well the business will do, enough to earn you about $100,000
a year.
If you are a salesperson and your blueprint
is set for earning $50,000 a year and somehow you make a huge sale that makes you
$90,000 that year, either the sale will cancel or if you do end up with
$90,000, get ready for a crummy year to follow to make up for it and bring you
back to the level of your financial blueprint.
On the other hand, if you're set for earning
$50,000 and you've been in a slump for a couple of years, don't worry, you'll
get it all back. You have to, it's the subconscious law of the mind and money.
Someone in this position would probably walk across the street, get hit by a
bus, and end up with exactly $50,000 a year in insurance! It's simple: one way
or another, if you're set for $50,000 a year, eventually that's what you'll
get.
So again, how can you tell what your money
blueprint is set for? One of the most obvious ways is to look at your results.
Look at your bank account. Look at your income. Look at your net
worth. Look at your success with investments. Look at your business success.
Look at whether you're a spender or a saver. Look at whether you manage money
well. Look at how consistent or inconsistent you are. Look at how hard you work
for your money. Look at your relationships that involve money.
Is money a struggle or does it come to you
easily? Do you own a business or do you have a job? Do you stick with one business
or job for a long time or do you jump around a lot?
Your blueprint is like a thermostat. If the temperature
in the room is seventy-two degrees, chances are good that the thermostat is set
for seventy-two degrees. Now here's where it gets interesting. Is it possible that
because the window is open and it is cold outside, the temperature in the room
can drop to sixty-five degrees? Of course, but what will eventually happen? The
thermostat will kick in and bring the temperature back to seventy-two.
Also, is it possible that because the window
is open and it's hot outside, the temperature in the room can go up to seventy-seven
degrees? Sure it could, but what will eventually happen? The thermostat will
kick in and bring the temperature back to seventy-two.
The only way to permanently change the
temperature in the room is to reset the thermostat. In the same way, the only
way to change your level of financial success "permanently" is to reset
your financial thermostat, otherwise known as your money blueprint.
WEALTH
PRINCIPLE:
The only way to permanently change the
temperature in the room is to reset the thermostat. In the same way, the only
way to change your level of financial success "permanently" is to
reset your financial thermostat.
You can try anything and everything else you
want. You can develop your knowledge in business, in marketing, in sales, in negotiations,
and in management. You can become an expert in real estate or the stock market.
All of these are tremendous "tools." But in the end, without an inner
"tool-box" that is big enough and strong enough for you to create and
hold on to large amounts of money, all the tools in the world will be useless
to you.
Once again, it's simple arithmetic: "Your
income can grow only to the extent that you do."
Fortunately or unfortunately, your personal
money and success blueprint will tend to stay with you for the rest of your life--unless
you identify and change it. And that is exactly what we will continue to do in
Part II of this book and do even further with you at the Millionaire Mind Intensive
Seminar.
Remember that the first element of all
change is awareness. Watch yourself, become conscious, observe your thoughts, your
fears, your beliefs, your habits, your actions, and even your inactions. Put
yourself under a microscope. Study yourself. Most of us believe that we live our
lives based on choice. Not usually! Even if we're really enlightened, we might
make just a few choices during the average day that reflect our awareness of
ourselves in the present moment. But for the most part, we're like robots,
running on automatic, ruled by our past conditioning and old habits. That's
where consciousness comes in. Consciousness is observing your thoughts and actions
so that you can live from true choice in the present moment rather than being
run by programming from the past.
WEALTH
PRINCIPLE:
Consciousness is observing your thoughts
and actions so that you can live from true choice in the present moment rather
than being run by programming from the past.
By achieving consciousness, we can live from
who we are today rather than who we were yesterday. In this way, we can respond
appropriately to situations, tapping the full range and potential of our skills
and talents, rather than inappropriately reacting to events, driven by the
fears and insecurities of the past.
Once you are conscious, you can see your
programming for what it is: simply a recording of information you received and believed
in the past, when you were too young to know any better. You can see that this
conditioning is not who you are but who you learned to be. You can see that you
are not the "recording" but the "recorder." You are not the
"content" in the glass but the "glass" itself. You are not
the software but the hardware.
Yes, genetics may play a role, and, yes,
spiritual aspects may come into play, but much of what shapes who you are comes
from other people's beliefs and information. As I suggested earlier, beliefs
are not necessarily true or false or right or wrong, but regardless of their
validity, beliefs are opinions that are passed around and around and then down
from generation to generation to you. Knowing this, you can consciously choose
to release any belief or way of being that is not supportive to your wealth,
and you can replace it with one that is.
In our courses we teach that "no
thought lives in your head rent-free." Each thought you have will either
be an investment or a cost. It will either move you toward happiness and
success or away from it. It will either empower you or disempower you. That's
why it is imperative you choose your thoughts and beliefs wisely.
Realize that your thoughts and beliefs
aren't who you are, and they are not necessarily attached to you. As precious
as you believe them to be, they have no more
importance and meaning than you give them. Nothing has meaning except for the meaning
you give it.
Recall how at the beginning of this book I
suggested you don't believe a word I say? Well, if you really want to take off in
your life, don't believe a word you say. And if you want instant enlightenment,
don't believe a thought you think.
Meanwhile, if you're like most people, you're
going to believe something, so you might as well adopt beliefs that support
you, rich beliefs. Remember, thoughts lead to feelings, which lead to actions,
which lead to results. You can choose to think and act like rich people do and
therefore create the results that rich people create.
The question is, "How do rich people
think and act?" That's exactly what you'll discover in Part II of this
book.
If you want to change your financial life
forever, read on!
DECLARATION: Place your hand on your heart
and say...
"I observe my thoughts and entertain
only those that empower me."
Touch your head and say...
"I have a millionaire mind!"
Success Story from Rhonda & Bob
Baines
From: Rhonda & Bob Baines To: T. Harv
Eker Subject: We feel free!
We went to the Millionaire Mind Intensive
not really knowing what to expect. We
were very impressed with the results. Before attending the seminar, we were having a lot
of money problems.
We never seemed to get ahead. We would
continually be in debt and not know why. We would pay off our credit cards
(usually from a large bonus at work), only to get back into debt within six
months. It did not matter how much money we made. We were very frustrated and
argued a lot.
Then we attended Millionaire Mind. While
listening to Harv, my husband and I kept squeezing each other's leg and smiling
and looking at each other. We heard so much information that had us
saying, "No wonder," "Oh, so
that's why," "Everything makes sense now." We were very excited.
We learned how he and I think so
differently when it comes to money. How he is a "spender" and how I
am an "avoider." What a horrible combination! After hearing the
information, we stopped blaming each other and started understanding each other
and ultimately started to appreciate and love each other more.
It is almost a year later and we still do
not argue about money- we just talk about what we learned. We are no longer in
debt; in fact we have money in savings, the first time in our 16-year
relationship--yeah! We now not only have money for our future, but we also have
enough money for our normal everyday expenses, playing, education, long-term
savings for a home, and we even have money to share and give away. It feels
wonderful knowing that we can use money in those areas and not feel guilty
because we allocated and dedicated it for that purpose.
We
feel free.
Thank you very much, Harv.
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If you have any Misunderstanding Please let me know