This book delves into the core financial philosophy that the author believes separates the wealthy from the not-so-wealthy. Eker proposes that your financial success is determined by your underlying 'money blueprint,' a set of subconscious beliefs and attitudes about money shaped by past experiences.

Part 1: Your Money Blueprint

In this part, Eker introduces the concept of a 'money blueprint.' He believes everyone carries subconscious beliefs about money, which he refers to as our 'financial thermostat.' Our financial success in life cannot exceed this internal setting. If we unconsciously believe we deserve low income, we'll find a way to lose money even if we earn more.

Part 2: The Wealth Files - Seventeen Ways Rich People Think and Act Differently

Eker presents 17 'Wealth Files' contrasting the mindset and actions of the rich with those of poor and middle-class people:

1. Rich people believe "I create my life". Poor people believe "Life happens to me".
2. Rich people play the money game to win. Poor people play the money game to not lose.
3. Rich people are committed to being rich. Poor people want to be rich.
4. Rich people think big. Poor people think small.
5. Rich people focus on opportunities. Poor people focus on obstacles.
6. Rich people admire other rich and successful people. Poor people resent rich and successful people.
7. Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people.
8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.
9. Rich people are bigger than their problems. Poor people are smaller than their problems.
10. Rich people are excellent receivers. Poor people are poor receivers.
11. Rich people choose to get paid based on results. Poor people choose to get paid based on time.
12. Rich people think "both". Poor people think "either/or".
13. Rich people focus on their net worth. Poor people focus on their working income.
14. Rich people manage their money well. Poor people mismanage their money well.
15. Rich people have their money work hard for them. Poor people work hard for their money.
16. Rich people act in spite of fear. Poor people let fear stop them.
17. Rich people constantly learn and grow. Poor people think they already know.

Part 3: You and Your Money

Eker explains four key elements in the money management system: financial, play, education, and dream accounts. He also underlines the importance of charity, arguing that giving back to society is a key characteristic of the wealthy mindset.

Part 4: The Millionaire Mind Actions

Eker presents concrete actions to reinforce and transform your money blueprint:

1. Declarations: Making vocal affirmations to cement new beliefs.
2. 'Millionaire Mind' Actions: Practical steps towards wealth like setting up automatic transfers to your financial freedom fund, and reading at least one book on money management every month.
3. Success Files: Cataloguing success stories for inspiration.
4. The '101' Goals List: Writing down 101 goals to constantly aim higher and keep yourself motivated.

Throughout the book, Eker encourages readers to question and shift their attitudes about money, learn from the wealthy, and take active steps to change their financial destiny. The central premise remains consistent: in order to significantly change your financial outcome, you need to reshape your inner 'money blueprint'.

T. Harv Eker outlines four fundamental elements for achieving lasting change, particularly pertaining to wealth and success:

1. Awareness:

You can't change what you're not aware of. Recognizing your non-supportive beliefs, habits, and actions around money is the first step towards altering them. It is crucial to identify and understand your existing 'money blueprint' and its implications on your financial life. Awareness is also about recognizing the opportunities around you for growth and wealth creation.

2. Understanding:

Once you're aware of your limiting beliefs and actions, it's important to understand where they come from. These often trace back to early life experiences and influences from parents, friends, and media. By understanding the origins of your beliefs, you can begin to disassociate from them.

3. Disassociation:

This stage involves mentally and emotionally detaching from your limiting beliefs. Just because you've held onto a belief in the past doesn't mean you need to continue holding onto it in the future. You are not your beliefs; you have the ability to choose and change your beliefs at any time.

4. Reconditioning:

Lastly, after disassociating from your limiting beliefs, you can reprogram your mind with new, wealth-friendly beliefs. This involves active mental conditioning, using techniques like affirmations, visualization, and physical actions that reinforce your new, supportive beliefs. Eker recommends creating and repeating 'declarations,' which are strong, positive affirmations spoken with emotion.

These four elements form the basis of Eker's approach to changing your 'money blueprint' and hence, your financial life. He proposes that by changing your inner world, you can change your outer world.

Eker's advice is simple and even obvious once you are made aware of it, yet as we all know the simplest solutions are often the hardest to find..

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