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5. Change “money is a man thing” to “I can and will know about and understand money,” and create a
thoughtful relationship to money.
6. Change “money is good medicine” to “money is a tool to help make my life better” and create a respectful and
concerned relationship to money.
7. Change “money is a menace” to “money is a solution” and create a positive relationship to money.
8. Change “money talk is taboo” to “money talk is vital” and create a knowledgeable relationship to money.

You can see how much better it is to be courageous, hands-on, opportunistic, empowered, thoughtful, respectful
and concerned, positive, and knowledgeable than to be fearful, hands-off, cautious, defeated, apathetic, disrespectful
and nonchalant, negative, and ignorant. The choice is yours and it looks like you’re well on your way. You’ve
already taken a huge step by deciding to actually take the first step. By making the decision to start right now, you
have created the opportunity to raise your financial consciousness and change your life.

Self-Fulfilling Prophecies
Looking deeply into your beliefs is an important start to changing your behavior. As you go through these exercises,
there are a wide range of responses you may have, from simply thinking they are stupid, to becoming physically ill.
Your beliefs are buried deep at the cellular level, so of course, as you attempt to restate your new ones, every cell in
your body may revolt against you. I recommend that you face each of these challenges as a reinforcement of the fact
that this is progress, and what you are doing is right.

Assess Your Mindset
Finish and reflect on this statement: “Money is …” Consider the beliefs stated above, and see if any resonate with
you. Money is … scarce, evil, bad or dirty, comes only monthly, a man thing, medicine, menacing or taboo. Or
perhaps for you it’s something else altogether. Try to remember what your conditioning may have been. This will
help you to either change it if it was negative or reinforce it if it was positive.
It is very important, during this stage, that you do not get sidetracked by judging the people who raised you.
There is no doubt they had your best interests at heart and did the best they could, most likely having learned it from
a culture that dictated commonly held and subconsciously acknowledged agreements about money.
After you’ve done this assessment you need to take this very important action step. Conduct a three-month
review of your calendar and checkbook. If you ever want to see what a person is truly committed to, these are the
sources. Look for themes and patterns of spending time and money. Most likely, your day-to-day activities and
spending are a result of the way you think. Once thinking changes, so will the results of this review of your activities
and spending.
Blast through Barriers

Reconsider the phrases in your brain. Play to win, not to lose. Be decisive, not tentative. Increase and expand your
money, rather than holding onto, preserving, and protecting it. Be excited and enthusiastic, not fearful or overly
cautious. Wealthy people are proactive and create the lives they want to live. Consider your language. The
vocabulary you choose not only reflects, but actually affects, your thinking. For example, the word if is conditional,
the word when is definitive. From this point on, your dreams and goals are when, not if. Do not let if pass your lips
in relation to this pursuit. You will get there, there’s no doubt—it’s only a matter of when. Begin now, “When I
become a millionaire, I will …” Similarly, try saying yes, not no, to what you will and can do.
You must reset your mind and psychology to reinforce what it is you want, instead of supporting the very thing
from which you would like to move away. You can start by restating your beliefs to reverse that financial
conditioning. Take the statements you’ve summarized about the preconceived notions you culled from childhood,
such as “Money is difficult to earn and even more difficult to keep,” and flip that around. In this example, that
would restate to “Money comes freely to me; money is easy to keep and multiply.”
It may seem trite, but it’s anything but. Experts will support the fact that something tangible occurs when you,
and others, hear you verbalize your beliefs. While you restate your beliefs you are announcing your dreams to
yourself, which is the first step in making those dreams come true. And when others hear your dream, loud and
clear, they begin to understand the real you better, and can help direct you, through referrals, resources, and so on,
toward your goal. It’s a prosperous cycle and it starts with you, what you believe and, as importantly, what you say.