Secrets Of The Millionaire Mind

by T. Harv Eker

Troy Shu
Troy Shu
Updated at: February 23, 2024
Secrets Of The Millionaire Mind
Secrets Of The Millionaire Mind

What are the big ideas? 1. Studying and understanding money is crucial for turning your financial situation around and building wealth. 2. Changing old mindsets and

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What are the big ideas?

  1. Studying and understanding money is crucial for turning your financial situation around and building wealth.
  2. Changing old mindsets and habits is essential for personal and financial growth.
  3. Success and wealth come from raising your own energy and attracting opportunities, not just being in the right place at the right time.
  4. Financial freedom requires more than just making money; it involves managing it wisely across different areas of life.
  5. Your thoughts and beliefs about money shape your financial reality, so think positively and focus on solutions, not problems.


Commit to Learning for Financial Mastery

  • “Don’t just read this book. Study it as if your life depended on it.”
  • “If you’re not doing as well as you’d like, all that means is there’s something you don’t know.”
  • “It’s not what we don’t know that prevents us from succeeding; it’s what we know that just ain’t so that is our greatest obstacle.”

Embracing Change for Growth

  • “If you want to move to a higher level of life, you have to be willing to let go of some of your old ways of thinking and being and adopt new ones.”
  • “I have a saying: ‘It’s not enough to be in the right place at the right time. You have to be the right person in the right place at the right time’.”

The Energy of Success

  • “The key to success is to raise your own energy; when you do, people will naturally be attracted to you. And when they show up, bill ’em!”

The Challenge of Holding Wealth

  • “The vast majority of people simply do not have the internal capacity to create and hold on to large amounts of money and the increased challenges that go with more money and success.”

Understanding the Financial Self

  • “These four quadrants are the physical world, the mental world, the emotional world, and the spiritual world.”
  • “A lack of money is never, ever, ever a problem. A lack of money is merely a symptom of what is going on underneath.”

Learning Through Action

  • “What you hear, you forget; what you see, you remember; what you do, you understand.”

The Subconscious Financial Blueprint

  • “Your financial blueprint consists primarily of the information or ‘programming’ you received in the past, and especially as a young child.”
  • “Your programming leads to your thoughts; your thoughts lead to your feelings; your feelings lead to your actions; your actions lead to your results.”
  • “All the statements you heard about money when you were young remain in your subconscious mind as part of the blueprint that is running your financial life.”

Elements for Changing Financial Destiny

  • “There are three key elements of change, each of which is essential in reprogramming your financial blueprint. They are simple but profoundly powerful.”
  • “The first element of change is awareness. You can’t change something unless you know it exists.”
  • “The second element of change is understanding. By understanding where your ‘way of thinking’ originates, you can recognize that it has to come from outside you.”
  • “The third element of change is disassociation. Once you realize this way of thinking isn’t you, you can separate yourself from it and choose in the present whether to keep it or let it go—based on who you are today, and where you want to be tomorrow. You can observe this way of thinking and see it for what it is, a ‘file’ of information that was stored in your mind a long, long time ago and may not hold any truth or value for you anymore.”

Shifting Your Financial Mindset for Success

  • “If you are saving your money for a rainy day, what are you going to get? Rainy days! Stop doing that. Instead of saving for a rainy day, focus on saving for a joyous day or for the day you win your financial freedom.”
  • “If your motivation for acquiring money or success comes from a nonsupportive root such as fear, anger, or the need to ‘prove’ yourself, your money will never bring you happiness.”
  • “Money can’t make you something you already are.”
  • “Let me put it bluntly: anyone who says money isn’t important doesn’t have any!”
  • “Listen up, my friends: Money is extremely important in the areas in which it works, and extremely unimportant in the areas in which it doesn’t.”

The Power of Positive Thinking and Action

  • “No thought lives in your head rent-free.”
  • “Each thought you have will either be an investment or a cost. It will either move you toward happiness and success or away from it. It will either empower you or disempower you. That’s why it is imperative you choose your thoughts and beliefs wisely.”
  • “Realize that your thoughts and beliefs aren’t who you are, and they are not necessarily attached to you. As precious as you believe them to be, they have no more importance and meaning than you give them. Nothing has meaning except for the meaning you give it.”
  • “Everything you are not doing right now, you are in the habit of not doing.”
  • “You have to believe that you are the one who creates your success, that you are the one who creates your mediocrity, and that you are the one creating your struggle around money and success.”

Entrepreneurship and Financial Independence

  • “The vast majority of millionaires became rich by being in their own business.”
  • “Do you know the definition of an entrepreneur? The definition we use in our programs is ‘a person who solves problems for people at a profit’. That’s right, an entrepreneur is nothing more than a ‘problem solver’.”
  • “Working income is important, but it is only one of the four factors that determine your net worth. The four net worth factors are: Income, Savings, Investments, Simplification.”

Financial Management and Growth

  • “The single biggest difference between financial success and financial failure is how well you manage your money.”
  • “In addition to the play account [10%] and the financial freedom account [10%], I advise that you create four more accounts. The other accounts include: 10 percent into your Long-Term Savings for Spending Account, 10 percent into your Education Account, 50 percent into your Necessities Account, 10 percent into your Give Account.”

Cultivating a Rich Life Through Personal Development

  • “The purpose of our lives is to add value to the people of this generation and those that follow.”
  • “Another key principle, pertinent here, is that rich people focus on what they want, while poor people focus on what they don’t want.”
  • “Your field of focus determines what you find in life.”
  • “If you want to get rich, focus on making, keeping, and investing your money. If you want to be poor, focus on spending your money.”
  • “Again, energy is contagious: either you affect people or infect people.”
  • “Resenting promotion is one of the greatest obstacles to success.”
  • “The size of the problem is never the issue—what matters is the size of you!”
  • “Universe, if anyone has something great coming to them and they’re not willing to take it, send it to me! I am open and willing to receive all of your blessings. Thank you.”
  • “Living based in security is living based in fear.”
  • “I believe a good coach will always ask more of you than you will ask of yourself”.


  1. How does actively changing your mindset towards money influence your financial future?
  2. Can letting go of fear and anger towards money help you find happiness in wealth?
  3. How does the belief that you are responsible for your financial success or struggle affect your actions?
  4. What role does understanding and changing your financial blueprint play in achieving financial success?
  5. Why is focusing on creating value for others a key principle for wealth?
  6. How can shifting from saving for a "rainy day" to saving for financial freedom change your financial habits?
  7. How does embracing entrepreneurship and solving problems for profit contribute to financial independence?
  8. In what ways does managing your money effectively differentiate financial success from financial failure?


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