Secrets of the Millionaire Mind


Mastering the Inner Game of Wealth by T.Harv Eker

According to T.Harv Eker, there are 17 Ways rich people think and act differently from poor and middle-class people. If you wish to know more in details, you should really get the book and read it.



Wealth File #1 :
Rich people believe “I create my life.” Poor people believe “life happens to me.”

Each time you catch yourself blaming, justifying, or complaining , slide your index finger across your neck as a trigger to remind yourself that you are slitting your financial throat. Do a “debrief.” At the end of each day, write down one thing that went well and one thing that didn’t. Then write answer to the following “How did I create each of these situations?”

This exercise will keep you accountable for your life and make you aware of the strategies that are working for you and the strategies that are not.

Wealth File #2 : Rich people play the money game to win. Poor people play the money game to not lose.

Poor people play the money game on defense rather than offense. If your goal is to be comfortable, chances are you’ll never get rich.

Write down 2 financial objectives, not mediocrity or poverty. Write “play to win” goals for your : Annual Income and Net worth. Make these goals achieveable with a realistic time frame, yet at the same time remember to “shoot for the stars”

Wealth File #3 : Rich people are committed to being rich. Poor people want to be rich.

The number one reason most people don’t get what they want is that they don’t know what they want. Rich people are totally clear that they want wealth. They are unwavering in their desire. They are fully committed to creating wealth. As long as it is legal, moral and ethical, they will do whatever it takes to have wealth. Rich people do not send mixed messages to the universe. Poor people do.

Wealth File #4 : Rich people think big. Poor people think small.

The Law of Income : You will be paid in direct proportion to the value you deliver according to the marketplace. The key word is value It’s important to know that 4 factors determine your value in the marketplace : supply, demand, quality and quantity. The factor of quantity often presents the biggest challenge for most people.

How many people do you actually serve or affect? Most people choose to play small. Why? First, because of fear and feel small themselves. Write down or brainstorm with a group of people how you can solve problems for 10X the number of people you affect in your job or business now. Come up with at least 3 different strategies.

Wealth File #5 : Rich people focus on opportunities. Poor people focus on obstacles.

Life doesn’t travel in perfectly straight lines. It moves more like a winding river. The idea is to get in the game with whatever you’ve got, from whatever you are. I call this entering the corridor. Action always beat inaction. Rich people get started. They trust that once they get in the game, they can make intelligent decisions in the present moment, make corrections and adjust their sails along the way.

Wealth File #6 : Rich people admire other rich and successful people. Poor people resent rich and successful people.

The fact is, resenting the rich is one of the surest ways to stay broke. We are creatures of habit, and to overcome this or any other habit, we need to practice. Instead of resenting rich people, I want you to practice admiring rich people. I want you to practice blessing rich people. I want you to practice loving rich people. “Bless that which you want.” -Huna philosophy

Wealth File #7 : Rich people associate with positive successful people. Poor people associate with negative or unsuccessful people.

Rich people are grateful that others have succeeded before them so that they now have a blueprint to follow that will make it easier to attain their own success. Why reinvent the wheel? There are proven methods for success that work for virtually everyone who applies them.

Everything happens for a reson and the reason is there to assist me. It is difficult to be positive and conscious around people and circumstances that are negative, but that’s your test! If you can remain true to your values while otherse around you are full of doubt and even condemnation, you’ll grow faster and stronger.

Wealth File #8 : Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.

Rich people are usually leaders, and all great leaders are great promoters.

Wealth File #9 : Rich people are bigger than their problems. Poor people are smaller than their problems.

The secret to success is not to try to avoid or get rid or shrink from your problems; the secret is to grow yourself so that you are bigger than any problem. Rich people don’t focus on the problem, they focus on their goal. Rich and successful people are solution-oriented.

Wealth File #10 : Rich people are excellent receivers. Poor people are poor receivers.

For every giver there must be a receiver. For every receiver there must be a giver. How could you give if there weren’t someone or something there to receive? Besides, how does it feel to give? Most of us would agree that giving feels wonderful and fulfilling. Conversely, how does it feel when you want to give and the other person isn’t willing to receive? Most of us would agree that it feels terrible. So know this : if you are not willing to receive, then you are “ripping off” those who want to give to you.

Wealth File #11 : Rich people choose to get paid based on results. Poor people choose to get paid based on time.

Never have a ceiling on your income.Suppose you are in the pen business and you get an order for 50,000 pens. If this were the case, you’d simply call your supplier, order 50,000 pens, send them off and happily count your profits. If you are a massage therapist and you are fortunate enough to have 50,000 people lined up outside your door all wanting a massage from you. What do you?

Just don’t expect to get rich anytime soon unless you create a way to duplicate or leverage yourself.

Wealth File #12 : Rich people think “both.” Poor people think “either/or.”

Practise thinking and creating ways of having “both.” How can I have both?” Become aware that money in circulation adds to everyone’s life. Each time you spend money, say to yourself, “This money will go through hundreds of people and create value for all of them.” Think of yourself as a role model for others – showing that you can be kind, generous, loving and rich.

Wealth File #13 : Rich people focus on their net worth. Poor people focus on their working income.

The true measure of wealth is net worth, not working income. Net worth is the financial value of everything you own. The four net worth factors are : income, savings, investments, simplification.

Income comes in 2 forms : working income and passive income. All things being equal, the more working income you earn, the more you can save and invest. Passive income is money earned without you actively working.

Once you’ve begun saving a decent portion of your income, then you can move to the next stage and make your money grow through investing. Generally the better you are at investing, the faster your money will grow and generate a greater net worth.

Simplification means decreasing your cost of living, you increase your savings and the amount of funds available for investing.

Wealth File #14 : Rich people manage their money well. Poor people mismanage their money well.

1. Open a Financial Freedom bank account. Put 10% of income into this account. This money is never to be spent, only invested to produce passive income for your retirement.

2. Create a Financial Freedom jar in your home and deposit money into it every day. It could be $1, $10 etc or all your loose change.

3. Open a play account where you deposit 10% of all your income.

4. Open a 10% long term savings for spending account

5. Open a 10% education account

6. Open a 50% necessities account

7. Open a 10% give account

Wealth File #15 : Rich people have their money work hard for them. Poor people work hard for their money.

There are 2 primary sources of passive income. The first is “money working for you” This includes investment earnings from financial instruments such as stocks, bonds, T-bills, money markets, mutual funds etc. The second source of passive income is “business working for you” It includes setting up any business under the sun or moon that is systemized to work without you. The idea is that the business is working and producing value for people, instead of you.

Rich people buy assets that will likely go up in value. Poor people buy expenses, things that will defintely go down in value. Rich people collect land. Poor people collect bills. Change your focus from “active” income to “passive” income.. List at least 3 specific strategies with which you could create income without working, in either the investment or business field. Don’t wait to buy real estate. Buy real estate and wait.

Wealth File #16 : Rich people act in spite of fear. Poor people let fear stop them.

Action is the “bridge” between the inner world and the outer world. The biggest mistake most people make is waiting for the feeling of fear to subside or disappear before they are willing to act. These people usually wait forever. If you are willing to do only what’s easy, life will be hard. But if you are willing to do what’s hard, life will be easy.

Being comfortable makes you feel warm, fuzzy and secure, but it doesn’t allow you to grow. To grow as a person you have to expand your comfort zone. The only time you can actually grow is when you are outside your comfort zone. The first time you tried something new is usually uncomfortable. But what happened afterward? The more you did it, the more comfortable it became. Everything is uncomfortable at the beginning, but if you stick with it and continue, you will eventually move through the uncomfort zone and succeed. Then you will have a new, expanded comfort zone, which means you will have become a “bigger” person.

Wealth File #17 : Rich people constantly learn and grow. Poor people think they already know.

Poor people are often trying to prove that they’re right. One of T.Harv Eker’s famous line is “You can be right or you can be rich, but you can’t be both.” Being “right” means having to hold on to your old ways of thinking and being. The goal of creating wealth is not primarily to have a lot of money, the goal of creating wealth is to help you grow yourself into the best person you can possibly be.


The essence of transformation is not just about you. It is about the entire world. Our world is nothing more than a reflection of the people who make it up. As each individual raises his or her consciousness, the world raises its consciousness – moving from fear to courage, from hatred to love, and from scarcity to prosperity for all. It is therefore up to each of us to enlighten ourselves so that we add more light to the world.

If you want the world to be a certain way, then start with you being that way. If you want the world to be a better place, start with you being better.


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