It all comes down to this: if your subconscious "financial blueprint" is not "set" for success, nothing you learn, nothing you know, and nothing you do will make much of a difference.

Rich people work hard and believe it's perfectly appropriate to be well rewarded for their efforts and the value they provide for others. Poor people work hard, but due to their feelings of unworthiness, they believe that it is inappropriate for them to be well rewarded for their efforts and the value they provide.

Poor and most middle-class people believe "If I have a lot of money, I could do what I want and I'd be a success." Rich people understand, "If I become a successful person, I will be able to do what I need to do to have what I want, including a lot of money."

People are so afraid of hearing "No" that they often don't even try. You have nothing to lose by just asking! A good friend of mine once told me, "Harv, a closed mouth won't get fed." Open your mouth! Say something if negotiations aren't going the way you'd like.

Let's set the record straight. Money is important! To say that it's not as important as any other things in life is ludicrous. What's more important, your arm or your leg? Could it be that both are important?

Becoming rich isn't as much about getting rich financially as about whom you become, in character and mind, to get rich. I want to share a secret with you that few people know: the fastest way to get rich and stay rich is to work on developing you! The idea is to grow yourself into a successful person. Again, your outer world is merely a reflection of your inner world. You are the root; your results are the fruits.

I don't know about you, but where I went to school, Money Management 101 wasn't offered. Instead we learned about the War of 1812, which of course is something I use every single day.