Focus on all four of your net worth factors: increasing your income, increasing your savings, increasing your investment returns, and decreasing your cost of living by simplifying your lifestyle.

How do rich people think and act?

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."

If you want to move to a new level in your life, you must break through your comfort zone and practice doing things that are not comfortable.

If you want to change the fruits, you will first have to change the roots. If you want to change the visible, you must first change the invisible.

So what is the difference between "power thinking" and "positive" thinking? The distinction is slight but profound. To me, people use positive thinking to pretend that everything is rosy, when they really believe that it's not. With power thinking, we understand that everything is neutral, that nothing has meaning except for the meaning we give it, and that we are going to make up a story and give something it's meaning.

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.