Most people believe that by simply changing their actions, their life will get better. The truth is that they need to go ‘upstream’, if they truly want to change their life: they need to first identify and change their subconscious thoughts and beliefs.

Only then will their choices, decisions, and actions—stemming from their subconscious beliefs—start producing different results. In fact, this will happen automatically.

People change jobs, cities, relationships, houses, cars, diets, business opportunities… and are surprised at how they experience yet again the exact same problems, the same aggravations, the same arguments, the same weight gain, the same lowly pay. It is because they changed their actions, but not their beliefs.

You see, to change your life you need to work on the root of the problem. Money is the “fruit” of consistently excellent subconscious beliefs about money, success, and about yourself.

Your thoughts and beliefs (your “invisible” world) create your visible world.

As author Stewart Swerdlow explains:

Physical reality is the screen or the mirror that allows us to see/reflect our own thinking. When you take responsibility for your thinking, your life gets much better. When you don’t take responsibility for your thinking… it gets worse. No one is a victim. No one is being punished. Everyone is creating their own life. WE are creating it. If you don’t like the movie that is playing… you’ve got to change the FILM being projected onto the screen of your life. You’ve got to think differently so that there’s a different movie playing. Your thought is the film. The brain is the projector. Physical reality is the screen.”

For example, if you believe that “making money is hard”, that is exactly what you will perceive around you and what you will experience in your own life. You will naturally take actions that are aligned with the belief that “making money is hard” and will struggle to make ends meet. To change that ‘reality’, you need change your beliefs. Why not adopt this new belief: Making money is fun and easy!

Earl Nightingale, author of The Strangest Secret, stated in 1957:

We live in a world of cause and effect. THOUGHTS are causes, and your present conditions are the EFFECT. We must control our thoughts in order to control our lives.”

Brian Tracy wrote:

Your outer world is a reflection of your inner world, and it corresponds to your dominant patterns of thinking. You become what you think about most of the time. Change your thinking, and you will change your life.”

Could the beliefs of poor and middle-class people lead them to experiencing lack or struggle?

Here are some of the negative beliefs about money that my friend Henry—a security guard and former colleague of mine—had:

  • “Money doesn’t buy you happiness.”
  • “Money can’t buy you love.”
  • “It is not fair that some people have more than others.”
  • “I can’t make a lot of money… it is hard to make money.”
  • “People fight over money, so it is better to not have any.”
  • “If I make a lot of money I’ll get sucked in. What about my spiritual side?”
  • “Money doesn’t grow on trees (it’s hard to make money)”
  • “To get rich you have to take it from someone else. You’ll have more and they’ll have less. It’s not fair…”
  • “To make money you have to take advantage of other people, and I would never…”
  • “If I make more money than my friends they won’t like me anymore.”
  • “I’m not good enough. I don’t deserve more money and happiness.”
  • “What if I make a lot of money and lose it all? Then I’m really a failure!”
  • “I am afraid of failure. What if I fail? What will people think of me?”
  • “I am afraid of rejection. What if people don’t like my product?”
  • “Rich people are greedy, exploitative, selfish. But I am a good person.”
  • “Money is the root of all evil.”
  • “In order to make more money I’ll have to work harder, I won’t have time to enjoy it, so why even try?”
  • “To make money you need to be really smart, and I’m not smart enough…”
  • “If I make more money I’ll never know if people like me for me or my money.”

Now, my friend George who was a waiter at a Greek restaurant in London at the time had an altogether different mindset regarding money:

  • “Making money is easy! Making money is fun!”
  • “Making a lot of money is extremely important!”
  • “Money is nothing but the measure of the value I create for other people!”
  • “Money is nothing but the manifestation of my resourcefulness!”
  • “I find out what problems people have and I help them by providing solutions!”
  • “I get paid in direct proportion to the amount of value I deliver according to the marketplace!”
  • “There are millions of people out there who need what I have and what I know!”
  • “All skills are learnable! If I don’t know how to, I find someone who does!”
  • “I create my life! I can create anything I want with the power of my creative mind!”
  • “I hate being broke! Being broke means I am being selfish with my gifts, intellect, ability, and love. Being broke means I am too afraid to stand on my own two feet, and instead must rely on getting a salary from someone. Being broke means I am not adding huge amounts of value to people!”
  • “I am worth it! I deserve wealth and abundance!”
  • “I can make a lot of money doing what I love!”
  • “It is thanks to the efforts of entrepreneurs that the economy grows. By organizing the efforts of people, capital, creativity, time… Entrepreneurs create more value…. Raising everyone’s wealth and standard of living.”
  • “Failure just makes me learn how to succeed better & faster! The only failure is to not try!” “There are 36 million millionaires globally… there are $241 trillion in global wealth… there is money everywhere!” (abundance consciousness)


That’s a pretty huge difference in points of view, wouldn’t you agree? Now, while both Henry and George started out earning minimum wage and had the same level of education, something interesting happened.

George ended up saving some money and getting into a real estate development business. He became a multi-millionaire by age 34. Henry, on the other hand, remains a security guard to this day. He is morbidly obese, single, and extremely unhappy. What separated them at the start? In one word: their mindset.