May Book Club & Audio Takeways

In the Spring of 2016, we were living for the first time in Antigua, Guatemala. I hadn't narrowed my focus down to boutique consulting yet and I was struggling to figure out who I was going to serve in my new mission as consultant.

Because of this, my money mindset was put to the test on so many occasions. At Greg's nudging, I decided to download this book on my Kindle and start reading it (he had been super inspired by it back in the winter). Well, I started and I couldn't stop. I finished this book in two days and was floored. 

I had SO MANY ah-ha moments... so many "OMG I FEEL THAT WAY" moments and wow, did I start the journey to shift my money story.

This past month, I re-read this book and again, was reminded of so many basic principles of shifting my money blueprint and breaking down the limitations I seem to still place on myself. I'd love you to read this and take an honest look at how you feel about money and making money this month.

Click on the image to be taken to the Amazon.com page to get the book... and if you want the spoiler alert, listen to the audio first and see why I'm obsessed with this book!


My Favorite Quotes from Secrets of the Millionaire Mind

“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!”

Your income can grow only to the extent you do!

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.

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.

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.

These four quadrants are the physical world, the mental world, the emotional world, and the spiritual world.

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.

A lack of money is never, ever, ever a problem. A lack of money is merely a symptom of what is going on underneath.

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.”

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.”

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.

“My inner world creates my outer world.”

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:

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.

Your programming leads to your thoughts; your thoughts lead to your feelings; your feelings lead to your actions; your actions lead to your results.

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?

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.

But when the subconscious mind must choose between deeply rooted emotions and logic, emotions will almost always win.

Again, your subconscious conditioning determines your thinking. Your thinking determines your decisions, and your decisions determine your actions, which eventually determine your outcomes.

“What I heard about money isn’t necessarily true. I choose to adopt new ways of thinking that support my happiness and success.”

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.

If your motivation for acquiring money or success comes from a nonsupportive 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.

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?

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.

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.

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.

Once again, it’s simple arithmetic: “Your income can grow only to the extent that you do.”

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.

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.

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.

Rich people think very differently from poor and middle-class people. They think differently about money, wealth, themselves, other people, and pretty well every other facet of life.

Most people understand we are creatures of habit, but what they don’t realize is that there are actually two kinds of habits: doing habits and not-doing habits. Everything you are not doing right now, you are in the habit of not doing. The only way to change these not-doing habits into doing habits is to do them.

You have to believe that you are the one who creates your success, that you are the one who creates your mediocrity, and that you are the one creating your struggle around money and success. Consciously or unconsciously, it’s still you.

When it comes to why they’re not rich, most victims are professionals at the “blame game.” The object of this game is to see how many people and circumstances you can point the finger at without ever looking at yourself.

Victims blame the economy, they blame the government, they blame the stock market, they blame their broker, they blame their type of business, they blame their employer, they blame their employees, they blame their manager, they blame the head office, they blame their up-line or their down-line, they blame customer service, they blame the shipping department, they blame their partner, they blame their spouse, they blame God, and of course they always blame their parents. It’s always someone else or something else that is to blame. The problem is anything or anyone but them.

If victims aren’t blaming, you’ll often find them justifying or rationalizing their situation by saying something like “Money’s not really important.” Let me ask you this question: If you said that your husband or your wife, or your boyfriend or your girlfriend, or your partner or your friend, weren’t all that important, would any of them be around for long? I don’t think so, and neither would money!

Let me put it bluntly: anyone who says money isn’t important doesn’t have any! Rich people understand the importance of money and the place it has in our society.

“Well, money isn’t as important as love.” Now, is that comparison dumb or what? What’s more important, your arm or your leg? Maybe they’re both important.

Money is extremely important in the areas in which it works, and extremely unimportant in the areas in which it doesn’t. And although love may make the world go round, it sure doesn’t pay for the building of any hospitals, churches, or homes. It also doesn’t feed anybody.

“What you focus on expands.” When you are complaining, what are you focusing on, what’s right with your life or what’s wrong with it? You are obviously focusing on what’s wrong with it, and since what you focus on expands, you’ll keep getting more of what’s wrong.

There is no such thing as a really rich victim! Did you get that? I’ll say it again: There is no such thing as a really rich victim.

Realize that you create your wealth, your non-wealth, and every level in between.

Their primary concern is survival and security instead of creating wealth and abundance. So, what is your goal? What is your objective? What is your true intention?

The goal of truly rich people is to have massive wealth and abundance. Not just some money, but lots of money. So what is the big goal of poor people? To “have enough to pay the bills...and on time would be a miracle!” Again, let me remind you of the power of intention.

Middle-class people at least go a step further...too bad it’s a tiny step. Their big goal in life also happens to be their favorite word in the whole wide world. They just want to be “comfortable.” I hate to break the news to you, but there’s a huge difference between being comfortable and being rich.

It boils down to this: If your goal is to be comfortable, chances are you’ll never get rich. But if your goal is to be rich, chances are you’ll end up mighty comfortable.

“If you shoot for the stars, you’ll at least hit the moon.” Poor people don’t even shoot for the ceiling in their house, and then they wonder why they’re not successful. Well, they just found out. You get what you truly intend to get. If you want to get rich, your goal has to be rich.

“My goal is to become a millionaire and more!”

Rich people are committed to being rich. Poor people want to be rich.

One minute the universe hears that you want to be rich, so it begins sending you opportunities for wealth. But then it hears you say, “Rich people are greedy,” so the universe begins to support you in not having much money.

The number one reason most people don’t get what they want is that they don’t know what they want.

The first level is “I want to be rich.” That’s another way of saying, “I’ll take it if it falls in my lap.” Wanting alone is useless. Have you noticed that wanting doesn’t necessarily lead to “having”? Notice also that wanting without having leads to more wanting. Wanting becomes habitual and leads only to itself, creating a perfect circle that goes exactly nowhere. Wealth does not come from merely wanting it. How do you know this is true? With a simple reality check: billions of people want to be rich, relatively few are. The second level of wanting is “I choose to be rich.” This entails deciding to become rich. Choosing is a much stronger energy and goes hand in hand with being responsible for creating your reality. The word decision comes from the Latin word decidere, which means “to kill off any other alternatives.” Choosing is better but not best. The third level of wanting is “I commit to being rich.” The definition of the word commit is “to devote oneself unreservedly.” This means holding absolutely nothing back; giving 100 percent of everything you’ve got to achieving wealth. It means being willing to do whatever it takes for as long as it takes. This is the warrior’s way. No excuses, no ifs, no buts, no maybes—and failure is not an option. The warrior’s way is simple: “I will be rich or I will die trying.” “I commit to being rich.”

Some might say, “Harv, what are you talking about? I work my butt off, I’m trying real hard. Of course I’m committed to being rich.” And I would reply, “That you’re trying means little. The definition of commitment is to devote oneself unreservedly.” The key word is unreservedly. Which means you’re putting everything, and I mean everything, you’ve got into it. Most people I know who are not financially successful have limits on how much they are willing to do, how much they are willing to risk, and how much they are willing to sacrifice. Although they think they’re willing to do whatever it takes, upon deeper questioning I always find they have plenty of conditions around what they are willing to do and not do to succeed!

In my experience, getting rich takes focus, courage, knowledge, expertise, 100 percent of your effort, a never- give-up attitude, and of course a rich mind-set. You also have to believe in your heart of hearts that you can create wealth and that you absolutely deserve it.

If you are not fully, totally, and truly committed to creating wealth, chances are you won’t.

It’s interesting to note, however, that once you do commit, the universe will bend over backward to support you.

Until one is committed, there is hesitancy, the chance to draw back, always ineffectiveness. Concerning all acts of initiative (and creation), there is one elementary truth, the ignorance of which kills countless ideas and splendid plans: that the moment one definitely commits oneself, then providence moves too. A whole stream of events issues from the decision, raising in one’s favor all manner of unforeseen incidents, meetings, and material assistance, which no man could have dreamt would have come his way.

In other words, the universe will assist you, guide you, support you, and even create miracles for you.

When asked his secret, he said, “Everything changed the moment I began to think big.” I refer you to the Law of Income, which states, “You will be paid in direct proportion to the value you deliver according to the marketplace.”

How do you want to live your life? How do you want to play the game? Do you want to play in the big leagues or in the little leagues, in the majors or the minors? Are you going to play big or play small? It’s your choice.

Most people choose to play small. Why? First, because of fear. They’re scared to death of failure and they’re even more frightened of success. Second, people play small because they feel small. They feel unworthy. They don’t feel they’re good enough or important enough to make a real difference in people’s lives.

But hear this: Your life is not just about you. It’s also about contributing to others. It’s about living true to your mission and reason for being here on this earth at this time. It’s about adding your piece of the puzzle to the world.

Buckminster Fuller, said, “The purpose of our lives is to add value to the people of this generation and those that follow.”

Research shows that the happiest people are those who use their natural talents to the utmost.

Do you know the definition of an entrepreneur? The definition we use in our programs is “a person who solves problems for people at a profit.” That’s right, an entrepreneur is nothing more than a “problem solver.”

Make no mistake, every person on this planet has a mission. If you are living right now, there’s a reason for it.

It comes down to this: If not you, then who? Again, everyone has his or her unique purpose.

You are a child of God. Your playing small does not serve the world. There is nothing enlightened about shrinking so that other people won’t feel insecure around you. We are all meant to shine, as children do. We were born to make manifest the glory of God that is within us. It is not just in some of us; it is in everyone. And

as we let our own light shine, we unconsciously give other people permission to do the same. As we are liberated from our own fear, our presence automatically liberates others. The world doesn’t need more people playing small.

Poor people make choices based upon fear. Their minds are constantly scanning for what is wrong or could go wrong in any situation. Their primary mind-set is “What if it doesn’t work?” or, more often, “It won’t work.”

Middle-class people are slightly more optimistic. Their mind-set is “I sure hope this works.”

Rich people expect to succeed. They have confidence in their abilities, they have confidence in their creativity, and they believe that should the doo-doo hit the fan, they can find another way to succeed.

Put your time and energy into creating what you want. When obstacles arise, handle them, then quickly refocus on your vision.

If you want to get rich, focus on making, keeping, and investing your money. If you want to be poor, focus on spending your money.

that’s what I mean by being in the “corridor.” It means entering the arena where you want to be in the future, in any capacity, to get started.

You never know what doors will open unto you.

“Action always beats inaction.” Rich people get started.

In the end, by telling themselves, “I’m not doing anything until I’ve identified every possible problem and know exactly what to do about it,” poor people never take action and therefore always lose. Rich people see an opportunity, jump on it, and get even richer. As for poor people? They’re still “preparing”!