secretul mintii milionarilor

ABOUT T. HARV EKER

Using the principles he now teaches to others, T. Harv Eker went from zero tomillionaire in only 2 1/2 years! He combines a unique brand of ‘street-smarts withheart’. T. Harv Eker is the president of Peak Potentials Training, the fastestgrowing personal development company in North America.

Eker is the author of the best-selling book, SpeedWealth™ as well as severalhighly-acclaimed courses such as The Millionaire Mind Intensive, LifeDirections, Wizard Training and Train the Trainer. He is also the producer andtrainer of the world-famous Enlightened Warrior Training.

T. Harv Eker is considered to be one of North America’s most exciting presenters.He has worked with and shared the stage with some of the top authors andspeakers in the world including: Mark Victor Hansen, Jack Canfield, WayneDyer, Robert Allen, Jay Abraham, Jay Conrad Levinson and Richard Carlson.

Eker’s high-energy, ‘cut-to-the-chase’ style keeps his audience spellbound. Heteaches using ‘breakthrough’ techniques and high involvement, ‘acceleratedlearning’ technologies so that participants learn faster, remember more andachieve maximum results. The change in people is immediate and permanent.

T. Harv Eker’s motto is “talk is cheap,” and his unique ability is getting people totake “action” in the real world to produce real success.

Over 250,000 participants have come from all over the world to attend T. HarvEker’s seminars. His events change people’s lives!

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Secrets of the Millionaire MindMastering The Inner Game of Wealth,

An Interview With T. Harv Eker by Joe Polish and Alex Mandossian

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INTRODUCTIONJ o e : I’ve got Mr. Alex Mandossian and our good friend and interview subject Mr.

T. Harv Eker here with me. We’re all friends.

We’ve gotten together several times recently. We have a lot of great thingsthat I want to talk about during this Genius Network interview. It is aprivilege for Alex and I to interview you.

I want to thank you up front. Secondly, I just want to read a quick bio of whoyou are and anything I leave out or don’t say, please add to it. I just want theaudience to know, if they don’t know who this individual is already, whowe’re going to be interviewing here.

T. Harv Eker is the author of Secrets of the Millionaire Mind, which is aphenomenon in the publishing industry, hitting the number one on the NewYork Times, Wall Street Journal, and USA Today best seller lists and severalother national lists in its very first week it went on sale.

Harv is president of Peak Potentials Training, one of the fastest growingpersonal success training companies in North America. He regularly fillsconvention halls with upwards of 2,000 people with his world-famousMillionaire Mind Intensive Seminar and other programs.

Harv is considered to be one of North A m e r i c a ’s most exciting presenters. In mypersonal opinion, you’re one of the most phenomenal presenters on the planet.




T. HarvEker is oneof the mostphenomenalpresenterson theplanet


I’ve seen a lot of people. He’s awesome. Harv’s high energy, cut to the chasestyle keeps his audience spellbound.

He teaches using breakthrough techniques and high involvement,accelerated learning technologies so that participants learn faster, remembermore and achieve maximum results.

The change in people is immediate and permanent. T. Harv Eker’s motto is“talk is cheap” and his unique ability is getting people to take action in thereal world to produce real success.

Over a quarter million participants have come from all over the world toattend your events, Harv. I know they changed people’s lives because wehave seen it over and over and over again.

My relationship with you goes back over a decade when I first actually wentto one of your events. It was phenomenal. They just keep getting bigger andbigger and bigger.

You have a multi, multi, multi-million dollar business. You teach people howto be millionaires themselves.

Alex, anything you want to add to it? Then I’d like to ask, Harv, justelaborate on anything that people should know about before we get intosome good content.

Alex: I’ve been to all four days of Millionaire Mind Intensive. I went there as astudent. I went with my wife Aimee, and I was sitting in the third row. Wesat through the entire process.

It reminds me of the quote, “Tell me and I’ll forget. Show me and I mayremember. Involve me and I will learn.” The reason why Harv’s imprint isindelible is because he involves us and involves all the students.

He trains. He doesn’t just teach. That’s my two cents on Harv. I consider hima great friend but also a great trainer and teacher. I’m always learning fromhim, not only about money, but just the inner game of how to live and builda better relationship with money.

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Talk ischeap

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Joe: Harv, is there anything that I did not say or anything about you that theaudience would be interested in knowing, that would be relevant to whatwe’re going to talk about in this interview?

Harv: The most important thing is let’s make sure that everybody gets someinformation here, some skills, and some ways of thinking that can reallyenhance their life immediately and long-term.

So let’s get into it as best we can.

MONEY BLUEPRINTJoe: You’re known for the saying, “Give me five minutes and I’ll predict your

financial future for the rest of your life.” I’d like you to explain what thatmeans. What’s this whole five minute thing?

I know it has to do with a money blueprint, which is what you teach.

H a r v : E x a c t l y. T h a t ’s on the back of my book. I say that at every seminar thatI teach. Give me five minutes and I can predict your financial future forthe rest of your life.

How? By identifying your money blueprint. Each of us has a personal moneyblueprint already ingrained in our subconscious mind. It is this blueprint,more than anything and everything else that will determine your financial life.

That means that you can know everything about business, everything aboutreal estate, everything about stocks, you can be the absolute best at your jobor at your business.

You can be a great communicator, great manager, great at joint ventures,great at every skill you can possibly imagine. But if your subconsciousmoney blueprint isn’t preset for a high level of success, you will never, neveramass a large amount of money.

If by chance you do, you’re going to somehow manage to lose it. Can I giveyou an example of what I’m talking about?

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If you rs u b c on s c i ou sm on e ybl u e print isn’tpreset for ahigh level ofsuccess, youwill neve r,n e ver amassa larg ea m ount ofm on e y





Joe: Go right ahead.

Harv: You’ve heard of a fellow by the name of Donald Trump, I presume? I thinkeverybody who is listening has heard of that gentleman. Here is thismultibillionaire who loses everything.

Two years later, he’s got it all back again and more. Why? Because hismoney blueprint is set for high. On the other side of the coin, we have lotterywinners. We’ve all heard the stories, haven’t we?

They win five, 10, 50, or 100 million dollars. Listen to this. Five years later,virtually half of them are right back to where they started. Why? Theirmoney blueprint is set for low.

Literally, as I said, every skill that you can gain is very, very important. Itwill all help, but if the foundation isn’t set, the best bricks in the world andthe nicest roof isn’t going to last for very long, if you know what I mean.

Joe: Yes, now can I ask you a question about this. I’ve been curious aboutsomething. In your opinion, is the money blueprint the same as deservingissues that someone has, or does it have anything to do with feeling like Ideserve to be wealthy? What’s the similarities or the differences?

Harv: That’s a good question. You talk about deservingness. Deservingness is apart of the blueprint. Let’s talk about what the blueprint is. The blueprint isstrictly how you think, feel, and act around money and wealth.

Think, feel and act.

By the way, it’s probably a good time to jump into what we call the processof manifestation. Everyone should have a pencil or pen or highlighter rightnow. It would be really handy.

What I’d like you to get down is that your thoughts lead to your feelings,which lead to your actions. All that leads to your results.

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Yourmoneyblueprinthas to beset for high





Thoughts lead to feelings lead to actions. Those actions will lead to results.Your thoughts, feelings and actions are your blueprint. I want to make sureeverybody understands this.

When I talk about blueprint, or ways you think, feel, and act around money,do you know you have a blueprint around everything you do?

You have a relationship blueprint. You have a happiness blueprint. Do youfollow what I’m saying? In every major part of your life, you have a way ofthinking, feeling, and acting.

That is your blueprint. What people don’t realize is that they are unconsciousways of thinking. If they weren’t unconscious, we’d have to literally slowdown by about a billion percent.

They have to be unconscious. The blueprint is how you think, feel and acttowards money. Deservingness is one of the ways people feel around money.Some people feel that they are deserving.

Some people feel that they are not deserving. There are many root causes forthat. I’ll just say, right now we can talk about it a little bit later, that in mybook and in the seminars, we work in that very heavily.

It’s all excuse my language — BS. If someone believes they’re unworthy,they have made that up for any number of reasons. It was probably ingrainedin them when they were young, but it’s a story.

The story is BS. Unfortunately, they bought into the story. They’re going tobe the ones who need to recognize that they bought into a story and it’sprobably somebody else’s story that they bought into.

Now they’re living it. Again, we can get into the more specifics of that afterwe get to more of the overview of this.

Joe: Great, that answered my question. Alex, I’ll let you go.

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You haveto feel likeyou deservethe money





PREPROGRAMMED FOR SUCCESSAlex: Okay, Harv, let’s talk about those stories. You talk about primary ways that

we’re preprogrammed for success or failure with our finances, with money.

What are specific that you’re talking about?

Harv: That’s important to know that. We are programmed. We are programmedbased on the information we are given. Nobody comes out of the wombdoing money, right? Literally, we come out of this empty vessel and then weget taught how to do money and pretty well everything else.

Who are we taught by? We’re taught by religious leaders, parents, siblings,grandparents, the media and the culture. That’s a good example — culture.

Isn’t it true that certain cultures have a certain way of thinking about dealingwith money? Other cultures have a completely different way of thinking onhow to deal with money. Again, does the child come out of the womb doingit that way, or were they taught how to do it that way?

It’s very important to realize that everyone, including me, you, and everyonewas taught how to do money. The problem is that most of us were taught bypeople who, A, either didn’t have a lot of money, or B, have a lot ofemotional issues and baggage around it.

Their ways of thinking, feeling and acting became our waysautomatically because we just modeled it. We just run on that normally.We think, “Now, this is normal.”

But it’s not normal. It was taught to us. The question you asked was,“What are the specific ways that we’re taught how to do money, or anyother programming?”

The answer is we’re taught everything in three primary methods. Verbalprogramming — that’s all about what you heard when you were young.Modeling, that’s all about what you saw when you were young.

And specific incidents are all about what you experienced when you wereyoung. Do you want to go into some of the specifics around these?

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Yourthoughtslead toyourfeelingslead toyouractions leadto yourresults





Alex: Definitely.

Harv: Let’s do verbal programming. In my seminars, I usually have people get intoa partnership or group. What they discuss is what were some of the phrasesyou heard around money, success and rich people when you were young?

I’ll ask afterward, “What were the ones you heard?” They’ll say, “Money isthe root of all evil. Rich people are greedy. He’s filthy rich. You have to workhard to make money.

“You can’t be rich and spiritual. Money doesn’t bring happiness. Moneydoesn’t buy love.” Did anybody ever hear this one or am I the only one? “Wecan’t afford it,” or “It takes money to make money. Money corrupts people.”

You want to hear my father’s favorite? Any time I asked him for anything,he’d snarl at me and say, “What? Am I made of money?” I used to jokearound with him.

I’d say, “I wish, Dad. I’ll take an arm and a leg. I’ll take a baby finger.” Henever laughed once.

Here’s the thing. All, and I repeat all, of the statements that you heard whenyou were young, every last one of them is lodged in your subconscious mindand part of the blueprint that is running your financial life.

It’s very important to realize this. Your group is on a little bit, I would say,higher echelon than many because they are learning from a couple of thebest guys on the entire planet and are around success.

Let’s get a little bit higher with these guys, if it’s okay. Let’s talk about this.Your thoughts lead to your feelings lead to your actions lead to your results.But let’s take a look at your thinking.

I t ’s all based in your thought. It’s all rooted and sourced in your thoughtpattern, right? Well, I don’t know about that. Let’s take a look. W h a tcreates your thoughts?

Why do you think differently than everybody else, and the person sittingbeside you, especially you two? Literally, why does someone thinkdifferently than everyone else?





There we go. What is it that is the root cause of your thought process? Theroot cause of your thoughts is your programming. What was installed in thefiles of your mind?

We do well because we keep things really simple for people. People have tounderstand that your mind is nothing more than a big old file cabinet, thesame cabinet you have in your home or your office that you store files in.

You store files of information. Your mind is a great labeling machine. Thenit labels all the information that comes through all of your senses andknowledge into files and categorizes them.

Why? For future reference. Why? For survival. In other words, your mind isnothing more than a survival mechanism. But it doesn’t know what’s goingto help you survive or not.

Of course there are many ends of survival. There is financial survival,physical survival and emotional survival. So it files everything there. You’vegot everything in there.

Literally, it’s nothing more than a big old file cabinet. Here’s the issue. Youcan only think what’s in your file cabinet. It’s the same as you can only geta file or piece of paper out of your file cabinet if it’s been filed there.

If it’s not been filed there, you can’t get it out. What people feel is normaland natural in their choices. It’s true, normal, natural and the right choice forthem at the time.

Why? Because it’s healthful? No, because it is in their file, and it’s the onlychoice they’ve really got. Let me give you a quick example of what I’mtalking about.

In my book, I have an example of this woman who goes into a mall. She seesa green purse in the window. In her mind, she says, “Wow, I’ve needed agreen purse to go with my green shoes that I bought last week for my greendress that I bought two weeks ago.”

So she goes into the store. She asks the sales person. The sales person says,“Yes, and it’s 25% off.” She says, “Wow, this makes sense to me. This is agood financial decision.

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The rootc ause ofy ou rt h oughts isy ou rpr og ra m m i n g





“A, I need the purse. B, it’s 25% off. C, I’m going to buy it.” So her mindfiles say, “This is a good move. You should buy it.” But nowhere in that filecabinet is there a file that says, “Yes, but you’re $5000 in debt right now.Maybe you should hold off.”

That file is MIA, missing in action. It doesn’t exist. What I’m saying toeverybody listening right now is what you normally do is normal for you,i t ’s natural for you.

You’re going to make the best decision financially you can with the filesyou’ve got, but you can’t make better decisions unless you’ve got differentfiles. The only way you’re doing what you’re doing right now is because youmake decisions that you believe are appropriate for you.

You make decisions around money, about business, around everything. Thisis the right thing to do. It may be right but it may not be the best. You maynot have access to the best decisions possible.

That’s why I commend and compliment everybody who is part of yourGenius Network. The only way you can get new files is to have newinformation implanted in there. That’s part of what we’re going to do here.

Joe: That’s great. I love the analogy.

You have to do better things to get better results. The people who listen toyour interviews, the people who read your books, the people who go to yourevents are basically always doing things to continue to get better results.

They’re looking for a chainsaw instead of using an axe. A lot of people useaxes when they could be using chainsaws if they just knew they existed.

In a lot of ways, we’re just hopefully offering tools for people to put intotheir toolbox and show them how to take the existing tools they have and doa better job with them.

Alex, is there anything else you wanted to add to that particular subject?

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You makedecisionsthat youbelieve areappropriatefor you





RE-PROGRAMMINGAlex: Yes, briefly before the next question. Harv, you train people how to interrupt

those patterns that are lodged or realign those file cabinets in our minds.

We could be an entrepreneur. We could be 50 years old, 30 years old.They’re just lodged there. There are specific steps you can actually trainsomeone to overcome that.

Harv: Yes, absolutely. One of the things that is really interesting is because reallyyour thought files or files and your ways of thinking are beliefs. They’rebelief systems, really.

So someone says, “You know, you can’t teach an old dog new tricks. Youcan’t really change the way a person thinks and believes.” I beg to differ.First of all, I changed the way I think.

S e c o n d l y, I’ve dealt with almost 400,000 people in the last several yearsand changed the way they think through our programs. It’s obvious. Justtake a look at it.

I had an interview recently with a stick-it-to-’em type of reporter. You knowthose kinds, right? They want to tear down anybody who is successful — tobring them back to make them feel comfortable.

He would say, “You can’t really change someone’s beliefs. It’s ridiculous tothink you can change the way somebody thinks and what they believe.”

I said, “Let me ask you a question. Suppose for example that you have a verygood friend. You believe they are very trustworthy and reliable. They wouldnever do anything to hurt you.

“You’ve been friends with them for five or 10 years and you really believein your friendship. Then, one night another friend calls you and says, ‘Doyou know what your buddy just did?’

“You say, ‘No.’ They tell you, and you say, ‘I can’t believe it. They wouldnever do that.’ But then you find out that it’s true. Let me ask you a question.

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You canretrainyourselfand yourbeliefsystem





Do you still believe they’re trustworthy?

“Do you still believe they’re reliable? Do you still believe they’re a goodfriend? No, you changed that belief in about nine tenths of a second, didn’tyou? Why? With new information.”

When you examine information, you examine the way you think. You veryoften come up with a different way of looking at it based on who you aretoday and who you want to be tomorrow.

There are four basic steps to change your programming. Yes — you canchange the way you think. You can change your money blueprint. Why doyou know you can change it? Because you changed it in the first place.

You got it in the first place. The same way you got it in the first place, youcan now get a new one.

For example, there are four very specific steps. Number one is awareness.

You have to be aware that you are thinking in ways that are not as supportiveas they could be to the level of wealth you want to attain. What does that mean?

It means that everyone has a certain level of wealth that they’re at now andanother level that they want to attain.

You have to first be aware that you might yourself be thinking in ways thatare non-supportive to you going to the next level. I’m going to reverse thatand say this. If you are thinking in ways that would allow you to go to thenext level, you’d already be there.

Alex: Harv, the reporter is saying you can’t change beliefs. That’s a belief. Thatguy was not aware of that, correct?

Harv: That is absolutely correct. The first step is to be aware that you may bethinking in specific ways that are not supportive to you. That’s what we dealwith in the book — 17 various, specific ways that rich people think verydifferently than most other people.

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When youe x a m i n ei n f orm a t i on ,y ouexamine theway yout h i n k





The second thing is understanding. Now you know you are thinking in a waythat is not very supportive. But again, it only seems normal to you. I havepeople all the time come up to me.

They say, “You changed my life. Your book changed my life.” I say, “Why?”They say, “You kept nailing me when you kept talking about how poorpeople think. I kept saying, ‘Boy, that’s me, and I thought that was normal.’”

I’ll give it to you in a very simple way. One guy came to me in a seminar.He said, “Harv, I understand what you’re saying. It makes perfect sense, butthe fact is that money corrupts people.”

The first understanding is that awareness, whether it’s true or false, right orwrong doesn’t make any difference. The only question is, “Does thatempower you for success?”

I don’t think so. The second piece is understanding. Now you have to go intowhy you believe that. Where did you get that from? At our seminars and inthe book, we talk about, as we talked earlier, the conditioning process.

What most of you will recognize is that they got all their beliefs fromsomewhere — they weren’t born with them. Then they started thinking, “IfI got this belief from that person, how is that person doing?

“Are they happy? Are they successful? Now that I know where it came from,maybe I shouldn’t be adopting their belief anymore.” Or it might have beena specific incident that occurred.

Can I give you the story about my wife Rochelle?

Alex: Yes.

H a r v : When she was eight years old, she would hear the clang of the ice cream truckcoming down in the street. She would run to her mom and ask her for a quarter.

Her mom would say, “Sorry dear, I don’t have any money. Go ask dad. Dadhas all the money.” She would run over to dad, get her quarter, go get her icecream, and she’d be a happy camper.

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You haveto stopthinkinglike a poorperson





Next week, she’d hear the clang of the ice cream truck coming down thestreet. She would run to her mom and ask her for a quarter. Her momwould say the same thing, “Sorry dear, I don’t have any money. Go askyour dad. Dad has all the money. ”

She’d go ask dad, get her money, get her ice cream, and she’d be a happycamper. So here’s the question. What did she learn about money? The firstthing she learned was that women don’t have money.

Mom, the deity, the perfect model, doesn’t have money. Therefore, thenormal way for a good woman to be is to not have any money. What did shelearn about men and money?

That men have all the money. Go to dad — that man has all the money. Themind generalizes. There was no question that when she went to validate thatway of being, any money that she got, she should have to get rid of it tovalidate her way of thinking, that women don’t have money and men do.

When we first got married, what do you think she expected of me? It wasn’tquarters anymore. Somehow she graduated. That’s a belief. Once she beganto understand that it was this simple little incident, and for some people,many incidents, that led to her belief.

She started realizing, “For who I am today and who I want to be tomorrow,this way of thinking just doesn’t work.”

Alex: It’s a huge shift when it happens, isn’t it?

Harv: It is. The first thing is awareness. The second thing is to understand where itcomes from and to understand that it’s not you.

The third stage is disassociation — recognizing that this way of thinking,this mind file as we call it isn’t yours.

It’s been adopted from somewhere or something else, or a conclusion thatyour mind created to adapt to a situation from way back when. The fourthstep is to make a declaration and choose to adopt a new way of thinking thatsupports your happiness and success.

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Our mindsareconditionedwith whatwe learnedwhilegrowing up





One of the things that I say in my seminar is, “Don’t believe a word I say.”

Trust your own experience. I also want to say, “Don’t believe a word you sayand don’t believe a thought you think.” If you get anything out of thisinterview, I want you to get that your mind is like this radio station thatdoesn’t have an off switch.

It may not be playing the tunes that are favorable to you and make youhappy. Your mind is a survival mechanism. Its job isn’t to make yousuccessful, in case you haven’t noticed.

Its job sure isn’t to make you happy. You have had to notice that. In fact, theonly reason you may not be fully successful and fully happy is thatblabbermouth — that little voice in your mind is telling you all kinds ofdisastrous, worrisome, and problematic things is annoying the heck out of you.

Your mind is very powerful, but it usually works against you in mostsituations. Why? Because it’s a conditioned mind, and it’s been conditionedwith information that doesn’t work for you.

I’m going to ask everybody to do something completely outlandish. I knowyou are going to hang me on this. A reporter a while ago said, “Harv, do youbrainwash people at your seminars?”

I said, “I wish. I wish I could wash people’s brains out completely andhave them start fresh and anew based on who they are today and whothey want to become.”

The best thing you could ever possibly do is forget everything you ever heardand everything you ever know. Start fresh from supportive ways of thinking.

You’re going to have two choices in your way of thinking. In my book, I callthis power thinking. You’re always going to have two choices. As a thoughtbubbles up in your head, I want you to become enlightened.

That means I want you to become an observer. I want you to begin to watchevery thought that comes through your head. Analyze it very quickly as inone of two categories.

Is this thought supportive to my happiness and successes or is it a destructiveand non-supportive thought? You will be in absolute and utter shock as to

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Trust yourownexperience





what percentage of thoughts that bubble up in your head are non-supportiveand make you unhappy and unsuccessful.

You will be in shock. I would say for most people, it’s probably in the 80-90% range. Most people’s thoughts are not happy thoughts. They are notsupportive thoughts.

They are not successful thoughts. They are destructive thoughts. T h e yare non-empowering thoughts. They say something negative. You have tounderstand this.

What do you do about this? You start to, A, examine your thinking patternsand questioning whether those are accurate and supportive. Belief can’t betrue or false, right or wrong.

At best, they’re just opinions. Listen closely here — thoughts or your little voicei s n ’t right or wrong, true or false, but it can be empowering or disempowering.

You’re going to make up a thought or a story, because you’ve made it up,around everything. I’m looking around in my house right now. It’s about oneo’clock, and the trash hasn’t been picked up.

It’s in front of my house. I’m looking at this trash can. My first thought is,“It’s one o’clock. Usually they pick up at eight o’clock in the morning. Idon’t like this thing sitting out in front of my house.

“ W h a t ’s going on? Are they not going to pick it up? What if they don’t pick itup today? I’m going to have to drag this thing back in. It weighs more than I do.”

Listen to what I’ve just done. I’ve created this story about this container thatis sitting in my driveway. Do you understand what I’m saying? Your mind isa survival mechanism.

It creates dramas and stories that are usually drama and disaster based. It isits own entertainment center. What you normally do on a day to day basis isso powerful. It creates all this because it’s always worried about what canhappen. It’s the what-if syndrome. Your mind is a fear-based mechanism.It’s, “Look out, be careful, trouble over here, trouble over there.”

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Your mindis asurvivalmechanism





Here’s the problem — we buy into it. We create these stories, and we believethem. I’m going to ask everyone right now to divide all of your thoughts,every one of them.

I want you to very quickly as it comes through divide it into three categories,empowering, neutral, disempowering. When a thought comes in, that’sempowering, run with it and keep it.

When it comes in and is neutral, as in probably just in the presentmoment, keep that one for sure. When it comes in and is disempowering,we have a little apparatus we use at our courses which is like a littlerubber band around your wrist.

It works really well. You snap that band and say cancel. Your mind is goingto say, “Hey, you can’t cancel me out. You can’t cancel that thought. What ifthey don’t pick up that garbage? What are you going to do? You’re going tohave to get your boots on and...” you’re going to hit cancel.

You’re not going to buy into the train, I repeat, the train of thinking. Yourmind has a little thought that’s this little negative, black thought.

Then it creates a whole tributary through that thinking. Then it’s a river, thenit’s a whole ocean. You’re obsessed with it. We’ve all had it happen ahundred times.

You can’t let the energy of that thought start to gain it’s own momentum. Iwant you to simply cancel every single non-supportive thought that comesthrough your head.

I want you to do it immediately. Don’t go back into it. If it tries, just go hitcancel again. I know this sounds juvenile, I know this sounds like a nothingthing. I know we’ve all heard it before. But I also know most people aren’thappy and successful. That’s the reason. You aren’t happy and you’re non-successful because of one thing — what’s on top of your shoulders.

You are happy and successful because of one thing. It has very little to dowith what’s on your shoulders and much to do with your heart and spirit. Mybelief is that we are naturally joyous and naturally fairly blissful.

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You can’tlet theenergy ofonenegativethoughtstart togain it’sownmomentum





Babies cry for a little bit because of the shock and it’s a way of thembreathing. But they’re pretty happy things until we get to them. Then weimplant our garbage into them.

Now they start thinking those things. I believe that you can control andmanage your mind. Managing your own mind is the number one skill tosuccess and happiness.

You manage your mind in those three categories, what’s empowering, what’sneutral and what’s disempowering. You will not tolerate disempoweringthoughts going through your head.

You will not tolerate it.

J o e : H a r v, I’m a little concerned, though, about this trash out in front of your house.You live in way too exclusive of a community to be worried about your trash.I’m almost half tempted to drive over there and deal with them for you.

Harv: It’s the recycling one too, so it stands out like a sore thumb. It’s pink.Everybody would see it.

PRACTICE AND DEVELOPMENTJoe: It’s funny about what you said and so much of what it is you teach. I don’t

know if you’ve ever looked at it this way. I’ve always looked at what it isthat you teach people as a practice, very much like a meditation practice, anexercise practice or a spiritual practice.

It’s not something that for some people can happen overnight. Some peopledo have instant paradigms shifts and really get that awareness and thatclarity. Other people work on it, and develop it.

I know from my own experience the things that were really worth having arecontinual practices and developments. I think with just developing wealth,thinking and behaviors that this is a practice.

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Managingyour ownmind is thenumber oneskill tosuccess andhappiness





I don’t know if there’s a right way to answer this question. When youwork with people, what are some of the shifts in term of timelines thatyou can see people who have a disempowering thought process shiftingto an empowering one?

Can that happen over a weekend? Can it happen instantaneously? Or is thissomething that takes years to develop?

Harv: You hit it on the head. That’s a great question. You hit it on the head whenyou first asked the question. It just depends on who you are and what you’reready to let go off.

There are three elements to learning anything. There are three elements tochange. Number one is high impact.

Number two is high frequency. And number three is ongoing support.

Repeat — high impact, ongoing frequency, ongoing support. If you’re goingto change in any substantial way, all three elements will need to be there oryou’re going to have a challenge and a half.

If you’re a teacher and you’re going to change people in any way, helpchange people, or support people in their change, those three elementswill have to be there.

The higher impact you can create in the situation, the more quickly thatsituation can change. In other words, who remembers the accident more?The person who was almost in a car accident or the person who was in theaccident, got smashed to bits, and is in the hospital for a year and half?

High impact makes a big, big difference. Then, you have high frequency.You heard me say that you will not tolerate any non-supportive thoughts.

You will say cancel to each one of them and go back to a present moment oran empowering thought. You have to train your mind to do this. Your mindwill naturally go the opposite way.

It’s a training — you’ve heard me say that. Great, big deal, wow, what’sgoing to happen two hours from now? Probably not a whole lot. Why? It’snot high frequency enough.

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You haveto trainyour mindto go totheempoweringthought





You haven’t practiced enough. I don’t want to get into the details. In our brainsthere are neurological pathways that basically hold all these money files.

These neurological pathways are actually called dendrites. A dendrite isalmost like a muscle. It’s a pathway for information to go through. Yourmind will always take the path with least resistance, which is why you keepgoing back to the same thought process as you’ve always had.

Why do you keep on going back to habits? That’s why we call them habits.They’re just neurological pathways that are the largest, easiest and mostaccessible pathways.

You think, “I’m going to buy some real estate.” Right away, a neurologicalpathway fires or your real estate file comes up or dendrites just come out. It’sgoing to be the one that’s the easiest one to get to.

It’s just like a muscle. When you create a new way of thinking, you start tothink that, believe that, repeat that, and declare that. You are starting to formanother neurological pathway, a dendrite. At the very beginning, thatdendrite is going to be very small.

It’s going to be a little filament, that’s a nothing. But if you keep doing it,just like in the veins, arteries and muscles in your bicep, if you just pick upa five pound weight one time not much is going to happen.

But if on a daily basis, or an hourly basis, you keep on increasing the weightsthat you are using and pumping that iron, what’s going to happen? The bloodvessels are going to have to naturally increase in size to hold the amount ofblood that you are attempting to flow through them.

They will naturally increase from use. It’s the same thing.

What about the ones you don’t use? Let’s say you don’t work on your legsat all. They are going to what? It’s the same thing — your vessels, calleddendrites, the more you use a specific dendrite the more it will increasebecause it has to capture that flow of information.

It will just do it naturally. It’s supposed to. The more you desist or cancel thethoughts that aren’t working for you, those will, as you don’t consistentlywork with them, begin to atrophy.

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Your mindwill alwaystake thepath ofleastresistance





Pretty soon, the magic occurs in when the path of least resistance is aneurological pathway or a dendrite in that arena that is supportive to wealthand happiness versus non-supportive.

Yes, for some people, that can be immediate. It’s so high impact, and socrazy for them to think the old way that they go, “It doesn’t make any senseat all.” Actually, we have processes in our course, The Millionaire MindIntensive. There are processes that actually do this.

This is what we do in those three days. We put people through a battery ofvery fun games and exercises that make their old dendrites literally seem soridiculous upon examination.

We infuse those dendrites with different information so they can’t even pickthem up any more. On the radar screen, it’s like they are cloaked. We installin very strong and powerful neurological pathways and dendrites.

We do it in such a high impact and high frequency way that it’s the normal wayof thinking when you walk out of the seminar. T h a t ’s not for everyone. Somepeople are just going to resist so much that it will take much higher frequencies.

Again, if you have all three elements involved — high impact, high frequency,and then ongoing support, which is exactly what this interview is — ongoingsupport for your students, you’re going to eventually make some changes.

You’re not going to necessarily go, “I really notice that I think veryd i fferent these days.” Your mind isn’t even going to think that way. Yo u ’ r egoing to notice your result.

It’s not going to drop six million dollars like a lottery win. It’s just going tobe, “You know what, if I really take a look at my life or who I am today andmy life now versus five years ago, I’ve really made some giant strides.

“My financial life is a lot better, at least it’s getting better. I am quite a bithappier. I am quite a bit more conscious. I think I’m a better person.” Do youthink that comes naturally?

No. Left to its own demise, the mind will take you down the road of disaster.

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Left to its owndemise, themind willtake youdown theroad ofdisaster





Joe: That’s a great point. I actually have a very highly trained 67 year oldpsychiatrist friend of mine who is an amazing woman. She’s madecomments to me before about how the human brain is where we contain ourown weapons of mass destruction.

The brain is a very creative device. You can creatively use it to make millionsof dollars and do all kinds of wonderful things for yourself and the world andother people, or you can creatively use it absolutely have a train wreck and adisaster and be a self-sabotage mechanism. So that is very interesting.

IT’S ABOUT HOW YOU THINKHarv: There you go. It is a train going at a hundred miles an hour with no brakes.

You have to be the brake. See, most people think they are their mind. Mostpeople think the little voice in their head is who they are.

I beg to diff e r. You are not your mind. Your mind is a part of you like your handis a part of you. It is a tool, not you. You are the one who needs to control, andit is the hardest and most challenging work you will have in your life.

I’ll tell you what, it is the most satisfying and it is the most effective. Whenyou can manage your mind properly, you will have what you want. Whenyour mind manages you, you will have what you don’t want.

Joe: That’s great. What I also love too is that my students are people who arealready focusing their attention on this particular subject in this particulararea in order to get better results in their life, which is infinitely differentthan the majority of people who are out there that don’t even place any focuson this type of stuff.

There is obviously a type of thinking that takes place in an individual’ssuccess-focused brain. The majority of people reading this interview areentrepreneurs. They focus on developing wealth. There are many that arerich. There are many who want to be rich. And there are many who are not.

We have people reading this who range from literally just starting out inbusiness to one friend I have who is a billionaire. I know he is going to lovethe things that you have had to say.

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When youcanmanageyour mindproperly,you willhave whatyou want





I want to talk a little bit about how rich people think and more importantly,act about money — about financial freedom, than poor and middle classpeople, because there is a huge difference. I know you teach a lot about this.

Harv: Absolutely. We can start with one about money, or we can start with one thatwill really pertain to business people.

Joe: Whatever you are happy with — I don’t care.

Harv: Well, let’s start with the money one and make sure we don’t forget about theproblem one, because when it comes to business, there are lots of so calledproblems that occur. Isn’t there? People have to know how to deal with them.

One of the things that is funny and cute, yet it has a lot of truth to it, at leastin my view, is that rich people truly believe that, “I create my life.” Mostother people somehow believe that, “Life happens to me.”

It is really imperative that people understand that they are at the steeringwheel of their life, especially their financial life. You have to believe that youare the one who creates your success. You are the one creating yourmediocrity right now.

You are the one creating any financial struggles or worries right now —conscientiously or unconscientiously. I’m talking about 100% accountability.

I need you not to be just 80% or 90%, but 100% accountable for everythingthat occurs to you in your life. I’m not saying to blame yourself. I’m justsaying that you are the one, you must recognize that you create everythingthat occurs to you. Created or co-created, in the same way.

Instead of doing that, most people play the victim. You can always tell avictim because they leave three indelible clues. First of all, they blame. Theyare blamers. Most people do this to some extent. They blame the economy.They blame their type of business. They blame the real estate market.

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You haveto knowthat youare steeringthe wheelof yourlife





They blame the Internet. They blame the crash. They blame the city. Theyblame the taxes or the government. They blame their network marketing,their up line or their down line. They blame their husband. They blame theirwife. “I would have, but my wife won’t let me work past seven o’clock.” Or,“My husband is always working, so I’ve got to take care of this or whatever.”Of course, everybody wants to blame their parents for something, right?

Or they justify. That is the second clue. The first one is blame, the secondone is justify. They justify their situation by saying something like, “Youknow, money really isn’t that important.”

Let me ask you a question. If you said that your husband or your wife or yourboyfriend or your girlfriend wasn’t really important, would they be aroundfor very long? I don’t think so. And neither will money.

It is so funny because what happens for me when I do the seminars, peoplecome up to me at a break, like I’m sure they do to you, and they’ll say,“Harv, money’s not really important.”

I’ll look at them square in the eye and say, “You’re broke. Aren’t you?” Theysay, “Well, right now I’m a little short.” I go, “No, not right now. You’vealways been broke. Yes or yes?”

They stand there with their mouths open, gasping for air, because ofcourse they’re broke. I mean, literally, this is very, very, simple. If youd o n ’t think money is important, you won’t have any because you won’tdo what it takes to have it.

You can actually dazzle your friends with this information. Next time yourfriend says something lame like that, like money is not important, I want youto put your hand over your forehead and look up into the heavens and lookat them and say, “You’re broke.”

They’re going to say, “How did you know?”

You’re going to say, “What else do you want to know? That will be 50 bucksplease.” And you have a whole new part-time business. You can be clairvoyant.

Joe: That is so funny and so true. I’ve heard you talk about this before wherepeople say that money can’t buy happiness. Of course, I think anyone who

24

If youdon’t thinkmoney isimportant,you won’thave anybecause youwon’t dowhat ittakes tohave it





really believes money can’t buy happiness is an idiot. I’ve heard you talkabout the first class analogy before.

I like flying first class in airplanes and I know Alex does too. I think anyonewho has ever flown coach versus first class knows that there are tons ofadvantages. Well, if flying first class over coach makes you feel a little bithappier, and you’ve got enough money to do that, you just bought yourselfa little bit of happiness.

If you like going on vacation with your family and going jet skiing, and you areable to pay for that and do it, you just bought yourself a little bit of happiness.

So I think the whole context of how broke people view money is night andday different between wealthy people who absolutely understand theimportance and the context of what money can do for them.

H a r v : I have to interject here, this is where people who have non-supportive waysof thinking, or what I call poverty or poor mentalities, where it makes themunhappy and doesn’t allow them to go to their fullest extent financially.

We’re not saying people reading this are broke. Some people may be, butmost people aren’t.

We’re not talking about people who say, “I don’t have any money.” No,we’re saying that if you are a millionaire, let’s go to 10 million. If you’ve got100 million, let’s go to 100 million.

If you have a net worth of $500,000, let’s make you a millionaire veryquickly — and more. We should talk about why that after.

People who have a non-supportive mentality are going to say, “Well, youknow what you just said there, you know, money buys happiness, that’s justnot true. It doesn’t. Those things are nice, but they don’t make you happy. Itis your family that makes you happy.”

It is both. Poor people and people who are struggling financially, are peoplewho have non-supportive mentalities around money and wealth, will alwayscall out that rich people only think about money, and that they only think thatmoney is going to buy them happiness.

25

You musthave asupportivementalitywhen itcomes tomoney andwealth





Not true. An enlightened rich person is what you want to be. A conscious richperson is what you want to be. A generous rich person, a compassionate richperson is what you want to be.

Look, money can buy you the things that can allow you to be morecomfortable and much happier for sure, but it is not the only thing. We knowthat other things are extremely important, and equally important to money inlife, as in love and happiness, and relationships, family, generosity, andservice. It is not one or the other.

We should probably talk about that right now. One of the other ways that richpeople think very differently than most other people is that rich people havea “both” mentality, and most other people have an “either or” mentality.

Most people think, “Either I am rich, or I am spiritual” or “I am rich, or I amkind and generous” or “I am rich, or I am caring” or “I am rich, or I have myhealth” or “I am rich, or I have my family.”

No! The answer to all those things is both. Those previous ways of thinkingare scarcity mentalities. You made them up. You borrowed them fromsomewhere, and you believe them.

One of the biggest changes that I’ve seen even in my own kids iswhenever the question comes up, “Do we do this or this?” Stop thinkinglike that. I want you to first train your mind to say, “Both. How do I haveboth?” You are going to have to be a little creative, but I tell you what,that is a very good exercise.

So the answer is, “Yes. My goal is to be rich and spiritual. Rich andcompassionate. Rich and generous. Rich and happy. Rich and loving.”

I want all of it — what is wrong with that? I like to be a very kind, generous,and loving person and really, really, really rich.

In the book we talk about how you’ve heard the saying, “You can’t have yourcake and eat it too.” Well, I have to say this, and I’m sure you guys agree, thathas to be the all-time, hall of fame, stupidest thing I’ve ever heard in my life.

What on earth is the use of having this cake if you can’t eat it? What are yousupposed to do with this cake?

26

You haveto have the“both”mentality,not the“either or”mentality





Joe: You are just supposed to fantasize about it and say, “I just wish I could havethat one day, but I never really can.” I think it gives a perfect description ofwhat broke people’s mentality is.

HAVE YOUR CAKE AND EAT IT TOOHarv: Exactly. In my book, I say it pretty bluntly there. Literally what I talk about

is that rich people definitely believe you can have your cake and eat it too.Most other people, and middle class people don’t believe they deserve cake,so they order a little piece of cake. That is all they think they deserve.

“I’ll just have a little piece.” Poor people don’t think they deserve cake at all,so they order a donut, focus on the hole, and wonder why they have nothing.

You want to have supportive thought patterns around it. You can have bothof them. Again, one of the ones I want to go back to if at all possible, is theaccountability thing. One of the biggest problems with most people, becauseeverything is energy, so one of the things that people do, naturally, a lot ofthem, is do the third clue which is complain.

The third clue is complain. I want everyone to know something —complaining is the absolute worst possible thing you could do for yourhealth or your wealth. Why?

One of the other programs we teach is called Wizard Training. That is about howyou manifest what you want with elegance, joy and grace. The only way you cando that is align yourself with natural principles — principles of the universe.

If you are struggling in your life in any way, shape or form, it is because youare out of alignment with mother nature. You are out of alignment with theway universal energy works. If you want to have the best teacher in theworld, don’t listen to me, and don’t listen to any human being. Go into thewoods. Watch mother nature at play.

We are all part of nature. So the laws that work for mother nature and thelaws of mother nature will also work for you. They are what you have to liveby. You are not going to get away from that.

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C om pl a i n i n gis thea b s ol u t ewor s tp os s i bl ething youc ould do fory our healthor you rw e a l t h





You are better off learning from a group of ants, than from anything I cansay. You are better off learning from a mountain than anything I can say. SoI don’t mean to boo-woo-hoo here, but literally, one of the principles that weutilize is that what I focus on expands. What you focus on expands. Like thatstupid garbage can that is still in the front of my house.

J o e : H a r v, I’d like us to get Alex, on his birthday, an ant farm. It would be anideal gift for him.

Harv: I’m going to make a call as soon as we are done and have them remove thattrash can immediately.

Alex: Let’s talk about focus because you made a very clear point. I think it is veryimportant for everyone. People have listened to a lot of money gurus outthere who really have an “either” philosophy, not a “both” philosophy.

Many of the gurus out there who get on television and say to pay off all ofyour debt and then you can play. I know a couple billionaires, I know tonsof millionaires, and all of them have debt and they all play.

You have the “both” mentality and you teach that in Millionaire MindIntensive and other courses. Talk about how people can get out of debt andthey don’t have to focus on that completely, and play at the same time.

I think that is what really separates you from anyone else is talking about therelationship with money.

Harv: Well, I appreciate that. Thank you.

It is very, very important, because as you say, there are a lot of gurus outthere who say that you have to get out of debt first and then you can startbuilding your financial capital and playing.

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What youfocus onexpands





Is that the stupidest thing you ever heard of!? That is another hall off a m e r. Why are you in debt? You need to know that we are talking aboutconsumer debt, primarily here. There is nothing wrong with being in debtand leveraging when you do it wisely, and you do it for business, butwhen you have consumer debt, that is just not the wisest financial play.

It is immediate gratification that you are working with there. So you have totemper that. What you focus on expands. What I would rather see people dois learn, and this is what we teach — how to manage your money in an easy,elegant and effective way.

Part, and I repeat, part of that money management strategy is reducing andthen eliminating your debt.

You are never going to get rich focusing on debt. You are never going to getrich eliminating your debt. You are never going to build the house spendingall your time clearing the debris.

Where is the wood? Where are the bricks? Where is the blueprint? Where isthe building of the walls? If you bought some land, and it is full of junk anddebris and all that stuff, and you are saying, “I’m going to build a househere.” When? When do you start?

Well, if I can put all my energy and time on getting rid of the debris, and Inever go to an architect, and I never start putting the plan together of how todo it, and I never hire any contractors, and I never order any wood — yourhouse won’t get built.

Secondly, it is a bore, and it is a drag. Who wants to live that way. So theway you eliminate consumer debt is in the strategy and as part of yourmoney management method. In the book, and in the courses, there is a veryspecific money management method that we teach.

B a s i c a l l y, we call it a jar system. It is basically six jars that you put together,and all those do is separate your income, any revenue that you have. Yo useparate it for different jobs, just like a baseball team, as I mention in the course.

People say, “I have this bunch of money. I’ll just use it as I need it.” That islike having a baseball team on the field and you’ve got nine third basemen.

29

You arenever goingto get richfocusing on debt





Guess what? You’ve got a problem. There are other things that have to betaken care of on the field, and everybody has to have a specific job.

Money management works the same way. You have to put away a certainamount of money, and we say at least 10%, more if at all possible, into yourfinancial freedom account. That means that that is the first money that comesoff — not debt — because what you focus on expands.

Do you want to focus on your debt or do you want to focus on buildingfinancial freedom and wealth? If you want financial freedom and wealth,you better focus on it.

You have to stake a claim to yourself and to the universe that this is where Iam going with the first monies that come in, and that this is the mostimportant thing for me as far as financial situations are concerned.

You have to make a claim and a declaration to the universe, and you do that,A — by speaking it, but B — by doing it.

When you take your first monies off of every check you get, and you put thatinto your financial freedom and your wealth building account for investmentpurposes and for future financial purposes, building your wealth, you arestaking that claim.

You are declaring to the universe that this is what I want more of. This iswhat I am focusing on. Of course, we have several other accounts that wework with, but the two biggest ones are right there — your financial freedomaccount and you have another account for playing.

You take 10% of your money, and you play with it. That money has to beblown for things that you really, really enjoy and things that make you feelrich. One of the things that has to happen here is that nature is in balance.We have to be in balance.

Your logical self and your heart and spirit have to be in balance. If youare all work and no play, it is going to catch up to you. You know that. Ifyou are all save, save, save, and you never play, it is going to catch up toyou. If you are all about getting rid of debt, and you never play, it isgoing to catch up to you.

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If youw a n tf i n a n c i a lf re e d om and wealth,y ou betterf ocus on it





One day, your spirit self is going to say, “I’ve had enough.” And it is goingto sabotage everything you’ve ever done and say, “Now it is my turn.”

You got the message? You might as well give it what it needs now. Thelogical part of you says you absolutely have to have an account where atleast 10% of your money goes into your financial freedom fund.

Well, there is another 10% that goes into your play fund. Then you haveanother 10% that is your long term savings for certain things that you wantto buy — like a home, a boat or a new car.

In this case, you may want to use that 10% to begin eliminating extra debt.You always have to pay your minimums anyway.

So, certainly, I subscribe to what you say. If you focus on debt, what are you goingto get more of? Debt. How do you know? Well, check it out. Check yourexperience. If the advice of focusing on your debt or eliminating your debt beforeyou build any wealth worked, why is debt growing every single day like obesity?

Why is debt growing in our beautiful country to extreme proportions ofmore and more every single day if that works? It doesn’t work. You haveto focus on building wealth.

You know what? If you are rich, the debt takes care of itself.

Alex: It does. The greatest gift I think I could have ever given my son, Gabriel,who is just old enough to “get” the jar system, is that all of the verbalprogramming, all the modeling, all the specific incidents around my money,and a play fund and eliminating debt.

He has a little bit of debt. It is so good and so beneficial to him that he is notgoing to have to overcome a lot of the victim thinking I did it growing up.He has a whole new story he’s living into.

It is not only for us, but for parents, our children, our grandchildren, forgrandparents. We can have a huge impact. Do you have any specific storiesyou could share with us before we go to Joe and the final questions on howthat whole process of playing and paying off debt has made a big impact onfamilies or friends or business colleagues?

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If you arerich, thedebt takescare ofitself





A lot of people are struggling with this whole debt question, because theyjust get into more debt, because that is what they focus on.

PLAYING AND PAYING OFF DEBTHarv: Well, I don’t know about a story specifically, but we have literally thousands

of graduates and every one of them comes back with the exact samesituation. You balance your payment of debt. Of course you do, but youfocus on growing your income and growing your wealth.

You have to put money in, and save it, and invest it. Here’s a goodanalogy — people want to lose weight, but they focus very much on thediet, depriving themselves, which only increases their emotional quotient,which makes them eat.

I’ve had this situation myself. I’ve worked it and I know for me it works athousand percent and everybody else I know who works it, it works athousand percent. Focus on what you want.

We know that losing weight is a balance of calories and energy expenditures.You eat less, you spend more. In other words, you work out.

Instead of focusing on depriving yourself of what you eat, I say this, if youare not eating horrendous amounts, eat what you want, but work out 10 timesas much. Then you’ll have a positive habit that is going to make youhealthier in all ways and forms, and you don’t have to deprive yourself.You’ll look forward to working out.

So it is the same with money. Work on the wealth. Work on saving some ofyour money and putting it into wealth producing arenas and investments thatcan return situations for both passive income and increase in assets.

Don’t put that much attention on the debt element, just make it a part. Take10% and pay off an extra 10% every single month that you can, but focus onwhat you want, not on what you don’t want.

Joe: I like looking at money as fun tickets, and then all of the ways I’m going toaccumulate more fun tickets to do the things I want to do.

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Focus ongrowingyourincome andgrowingyourwealth





Since the majority of our readers are entrepreneurs, the last thing I wantto ask you to talk about, Harv, is really entrepreneurism and thedefinition of an entrepreneur.

One thing I want to say before that is, if this message of what Harv saidresonates with you, Alex and I highly recommend and endorse reading yourbook, or attending one of your seminars.

Not only are we friends, but we also really believe in what each other does.

All of us have had lots of experience with people wanting to gain results andsuccess in their life. This may sound simplistic, but I know both of you haveexperienced where people come up to you and ask, “How do I market an ad?How do sell more stuff? How do I generate wealth?”

Part of it is, well, it is in the book. If you want to know how to do it, here’sthe book. Here’s the course.

Sometimes people want some magic answer. In reality though, what we aresuggesting to people is hopefully defining the game to play and then if theywant to learn how to play, go to the event, and read the book. That will giveyou the actual instructions you need in order to do it.

So I do want to say that you should certainly read Harv’s book, Secrets of theMillionaire Mind, and attend his events. They are phenomenal. You truly areone of the most powerful, intense and enthusiastic trainers I have ever seen.

Alex: Joe, one thing real quick. I recently went and purchased the CD for Secretsof the Millionaire Mind. I didn’t even realize it was out on CD. I can’t tellyou the importance of being in traffic, or being in dead time, of just listening.

This is so important. So get the audio, too, so when your subconscious isnice and relaxed, you get fed that brain food. That will make a hugeimpact as well.

This CD and the book together is like a double whammy. You willrecondition your mind that way, definitely.

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You canreconditionyour mindby readingT. HarvEker’sbook





DEFINITION OF AN ENTREPRENEUR Joe: Absolutely. So you know the answer to a lot of people sitting there listening

to this going, “Yeah, I want these things.” Well, okay. Harv has given hisphilosophy. He’s given an enormous amount of value here.

The next step is for you to go deep with it. That’s what we all do. That’s howall of us learn.

It becomes a practice. Thank you for saying that, Alex. I completely agreewith that from all different angles.

Harv, the original definition of an entrepreneur was coined by a French guywith a funny name, Jean Baptiste. He said, “An entrepreneur is an individualwho takes resources from a lower level of productivity to a higher level.”

I love the way that you describe what an entrepreneur is — an individualwho solves problems for a profit. I just love that whole concept. I’ve beenquoting you on that one a lot recently because what the people who arereading this interview are, are entrepreneurs.

That is how they develop the wealth in their focus and go out and createvalue for the world.

Do you have any insights that you can leave our readers with aboutentrepreneurism and just anything that could help them in theirentrepreneurial careers to go out and make more money and change theworld in positive ways?

Harv: Well, thank you, I appreciate it. I do have a couple of things. Firstly, thedefinition is very important. The definition for an entrepreneur, is a personwho solves problems for people at a profit.

If you start to look at that definition, you will find out what you have to do.What do you get paid for? You get paid for solving problems. Now, here’sthe thing, do you get paid more for solving more problems? Yes. Do you getpaid more for solving problems for more people? Yes.

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A ne n t re pre n e u ris simply ani n d i v i du a lwho sol ve spr obl e m sf or a pr o f i t





So now you have the simple key. If you are not earning what you want to beearning, it is because you’re not solving problems for enough people or youare not solving large enough problems to get paid for.

It goes hand and hand with a definition of the law of income. The law ofincome states that you will be paid in direct proportion to the value youdeliver according to the market place. I’m going to repeat that for those whoneed to hear it again.

You’ll be paid in direct proportion to the value you deliver according to themarket place. Now — value — what is that? Primarily it is a problem to besolved. That is the value. Delivery, what is that?

That means you can’t be talking about it, dreaming about it, thinking aboutit, yakking about it, and pretend to do it. You actually only get paid when youdeliver that solution to someone who then gives you money for it.

A lot of people have tons of product in their garage or their basement.They’ve got great ideas. They talk a great talk, but they don’t do squat. Theyare still doing the same thing they did a year ago or even five years ago.

If you are going to make a drastic change in your income, you are going toneed to make a drastic change in the value you deliver.

I hate to say this so bluntly to people, but, literally, if you are not where youwant to be financially, and especially on an income level, it is because youare not delivering a heck of a lot of value.

I’m sorry. I don’t mean to be rude. I don’t mean to be arrogant. I can look inthe mirror and say it to me. If I’m not earning the income I want to earn ina specific year, it is because I didn’t deliver the value that I wanted to deliver.

So you’ve got to concentrate. Don’t concentrate on the money. Money isa result. Wealth is a result. Income is a result. Your weight is a result. Welive in a world of cause and effect. Money is just a symptom of what isgoing on underneath — both on your inner world and your outer abilityto deliver the value.

So that is why the programs that these guys learn with you in the marketinghelps them deliver the value. But I want to challenge everybody right nowto do one of the things that rich people do differently than most other people.

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If you areg oing tomake ad ra s t i cchange iny our incom e ,y ou areg oing toneed to makea dra s t i cchange in thevalue youd e l i ve r





Rich people play the money game to win. Most other people play not tolose. Most people play the money game on defense versus offense. If youplay any games strictly on defense, what are your chances of winningthat game? Slim to none.

Forget the idea of earning enough money to survive, or just be comfortable.That is not going to get you where you want to go. That is going to behomeostasis at best, and you’re going to go down.

I want everyone to make a commitment as homework or an action plan fromthis interview, to make a commitment to double or triple or quadruple or 10times your income in the next year or two.

Make a commitment. Say you are earning a hundred thousand a year, nextyear your goal is to earn $500,000, or a $1,000,000. Jack it up. Play the gameto win. Play a bigger game. Why?

Because, one of the things we say in our courses is that if you shoot for thestars, you are at least going to hit the moon.

Most people only shoot for the ceiling in their house, and they don’tknow what the problem is.

Let me ask you a question. If you are earning $100,000 this year, and youjack it up to earning a million dollars next year, won’t you have to do thingsradically different to earn a million rather than a hundred thousand?

The answer is, “Of course you will.” Well, that’s what you have to do.Radical difference in what you’re doing.

I’ll tell you right now; those two differences are going to be in — A, the wayyou think, which I just gave you one - play the game 10 times bigger. AndB, in your learning factor and what they need to learn from you guys indelivering and marketing their products or services.

So, it’s got to be inner world and outer world. The best thing you can do issay, “Listen, I’m going to go from a hundred thousand a year to a million, orfrom a million to three million, or from 50 thousand to 500 thousand.”

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Play thegame towin —play abiggergame





That intention alone will help you. If you fail, oh too bad — you only earneda half a million this year. You see what I’m saying.

I want to finish this with something that is very important to me. I hopeI can make a mention of it because I’ve been talking about creatingwealth, money and riches.

We talk about it a lot. The question is, “Why? Why be rich?” People call mea financial evangelist because I really promote being rich. It is not just aboutthe money. I’m not saying that you have to be rich to be a good person orhave a good life. No. You choose if you want to be rich or not. But if you do,you are listening to the right people.

How do you know? I’ll just say right now, and I can speak for myself, but Iknow for you, Alex and Joe, the three of us have made multi, multi,millionaires. I can only speak for myself, over half a million people haveradically changed their financial lives. So you know who to model here.

THREE REASONS TO GET RICH There are three reasons to get rich:

Number one — for the lifestyle. There is no question it is a nicer lifestyle.I’d rather live in a nicer lifestyle than a crappy one. You’re not a saint forbeing poor. If you believe that, I don’t know where you got that, but cut itout, because you can be a very, very wonderful person, generous and kindand be really rich. You need to start thinking that way.

People who are broke think they are better. I don’t know where they got that,but they are just broke as far as I’m concerned. Rich people are greedy. Well,you know what, if you are broke and poor, you are probably greedy, too. Itdoesn’t make you a saint to be broke. Let’s get rid of that one first.

Number two — my philosophy is that if you have the wherewithal to getrich, it is your duty, your obligation, to do so.

Why? So that you can help the people who just do not and will never havethat wherewithal. There are not hundreds or thousands or hundreds ofthousands, or millions, there are hundreds of millions of people in this

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You can be awonderfulandgenerousperson andstill be rich





country and around the world who will never have the opportunities and thewherewithal to get rich.

I don’t care who you are, and I’ll say this bluntly, if you are listening to this,you have the wherewithal, so you’ve lost all your excuses. You have thewherewithal. Why not set a goal here? One of the things we do in our coursesis that we have goals for ourselves, but we also have goals for others.

We have a give jar that says 10% of everything I take in, I contribute toothers. I give back to others. Let me ask you a question.

What if one of your goals was not just to earn a million dollars a year, whatif one of your goals was to give away a million dollars a year?

Help people, whether it is medical things, or in other words, it supplies fordisasters, or whether it is AIDS, or whatever it is for you. Help by givingaway, contributing a million dollars a year.

Now to do that, you need to earn 10 million. Or maybe if you’ve got plentywith two million and you want to give away half, you can do that, but you’vegot to earn substantially more. So if you are not doing it just for yourself,you are doing it for others.

What would this world be like if people had a goal of giving away a milliondollars a year? Things would be a little different than what it is now.

So the idea that rich people are greedy doesn’t hold water with me. Are yougoing to be greedy if you get rich? I don’t think so.

Money is going to make you more of what you already are. If you are reallygreedy, money will allow you to be greedy. If you are a jerk, money willallow you to be a bigger jerk. If you are really kind and generous, money willallow you to be more kind and generous. It is very simple.

The third reason to get rich is, and this is a big one, this is what I am workingon right now — it’s about who you have to become in virtue, in trait, and incharacter, in order to be successful enough in any arena to create wealth fromthat arena. In other words, your mindset and your character.

If you want to lead a wonderful life, if you want to be successful, you aregoing to have to be successful, okay?

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Money isgoing tomake youmore ofwhat youalready are





There is a saying that says, fortunately or unfortunately, you take yourselfwith you wherever you go. The surest way to be successful financially is tobe a successful person — a person who has successful character and trait.

Everybody thinks, “I want to be more financially endowed, I want to dobetter financially,” we all think that for sure.

Every one one of us wants to be proud of ourselves — not from an egosense, but from a truly spiritual place that says, “I became a good person.I became the person that I wanted to be in character and trait. I became aperson of integrity, of confidence, of inner power. I have inner peace. I amloving. I am compassionate. I am accepting. I am a good, good person. Ifeel good about who I am.”

One of the things that I am working on right now is, “Who is Harv?” It is a loteasier working on that now that I know that is coupled with wealth, becauseyour income and your wealth will only grow to the extent that you do.

My message to everyone is that your inner world creates your outer world.First work on the roots, the fruits will take care of themselves. If you plant cornroots, you are going to get corn fruits. This is very simple. If you plant appleroots, you are going to get apple fruits. You don’t have to think about that.

The universe creates it naturally. I urge you to work on the most importantelement which is who you are in character and in trait and in virtue. Thenyou will watch the money just begin to flow to you very easily because inboth mindset and character you will be a person who is successful.

That means you will be successful in every area you get involved in,including your children, your relationships, your business, the people whowork in both contract work and in trade work and your employees.

At the end of the day when you are on your death bed, you are going to lookback, but you are not going to say, “How much money did I make?” That isgoing to be a part of it. You are going to say, “Who did I become? Who am Iright now? Was I the person that I could have been? Am I happy with myself?”

So I urge you to begin to work on that right now.

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Your innerworldcreatesyour outerworld





Joe: Harv, as always, you are fantastic and how could anyone not listen to youand be inspired and feel enthusiastic. One of your secrets, if it is a secret, isthe enthusiasm you put into your work.

So if people leave this interview and amps it up just a little bit, and followsthe direction that’s been given on this interview, then I can’t imagine themnot getting extraordinary results in their life.

H a r v : I appreciate that very much. My last word is to go out there and help 10 timesthe number of people you are helping now. If you are helping 100 people amonth, whatever you are doing, make your goal to help 1000 people a month.Then you are going to feel good about it spiritually. You are going to feelgood about it contributively. And you are going to make a fortune.

Joe: I want to thank you for taking the time to read this interview. I hope youfound it very useful.

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Make it agoal tohelp 10times thenumber ofpeople youare helpingnow





secretul mintii milionarilor

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