Who the Heck Is T. Harv Eker, and Why Should I Read This Book?

“Don’t believe a word I say.”
Because I can only speak from my own experience.

Don’t just read this book. Study it as if your life depended on it. Then try the principles out for yourself.
Whatever works, keep doing. Whatever doesn’t, you’re welcome to throw away.

Like many of you, I supposedly had a lot of “potential” but had little to show for it. I read all the books, listened to all the tapes, and went to all the seminars. I really, really, really wanted to be successful. I don’t know whether it was for the money, the freedom, the sense of achievement, or just to prove I was good enough in my parents’ eyes, but I was almost obsessed with becoming a “success.”

“Harv, if you’re not doing as well as you’d like, all that means is there’s something you don’t know.”
“Did you know that most rich people think in very similar ways?”
“all you have to do is copy how rich people think.”

you can have the greatest “tools” in the world, but if you’ve got a tiny leak in your “toolbox” (I’m pointing to my head right now), you’ve got a problem.

“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.”

“This is God. I can help you. Just let go and trust.” Next thing you hear: “Is there anybody else up there who can help me?”
The lesson is simple. 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.

Part I: Your Money Blueprint

WE LIVE IN A WORLD OF DUALITY: UP AND DOWN, light and dark, hot and cold, in and out, fast and slow, right and left. These are but a few examples of the thousands of opposite poles. For one pole to exist, the other pole must also exist. Is it possible to have a right side without a left side? Not a chance.

Consequently, just as there are “outer” laws of money, there must be “inner” laws.
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.”

So who are you? How do you think? What are your beliefs? What are your habits and traits? How do you really feel about yourself? How confident are you in yourself? How well do you relate to others? How much do you trust others? Do you truly feel that you deserve wealth? What is your ability to act in spite of fear, in spite of worry, in spite of inconvenience, in spite of discomfort? Can you act when you’re not in the mood?

The fact is that your character, your thinking, and your beliefs are a critical part of what determines the level of your success.

Your income can grow only to the extent you do!

Why Is Your Money Blueprint Important?

even though some self-made millionaires may lose their money, they never lose the most important ingredient to their success: their millionaire mind.

Donald Trump’s financial “thermostat” is set for billions, not millions. Most people’s financial thermostats are set for generating thousands, not millions of dollars; some people’s financial thermostats are set for generating hundreds, not even thousands; and some people’s financial thermostats are set for below zero. They’re frickin’ freezing and they don’t have a clue as to why!

The reason is simple. Most people are unconscious. They are a little asleep at the wheel. They work and think on a superficial level of life—based only on what they can see. They live strictly in the visible world.

The Roots Create the Fruits

Most of us put even more attention and focus on the fruits, our results. But what is it that actually creates those particular fruits? It’s the seeds and the roots that create those fruits.

It’s what’s under the ground that creates what’s above the ground. It’s what’s invisible that creates what’s visible. So what does that mean? It means that 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.

In my experience, what you cannot see in this world is far more powerful than anything you can see.
what is under the ground creates what is above the ground.

That’s why placing your attention on the fruits that you have already grown is futile. You cannot change the fruits that are already hanging on the tree. You can, however, change tomorrow’s fruits.

The Four Quadrants

We live in at least four different realms at once. These four quadrants are the physical world, the mental world, the emotional world, and the spiritual world.

Money is a result, wealth is a result, health is a result, illness is a result, your weight is a result. We live in a world of cause and effect.

Declarations: A Powerful Secret for Change

In my seminars we use “accelerated learning” techniques that allow you to learn faster and remember more of what you learn. The key is “involvement.”
“What you hear, you forget; what you see, you remember; what you do, you understand.”

put your hand on your heart, then make a verbal “declaration,” then touch your head with your index finger and make another verbal “declaration.”

Why are declarations such a valuable tool? Because everything is made of one thing: energy.


“a positive statement asserting that a goal you wish to achieve is already happening.”
An affirmation states that a goal is already happening. I’m not crazy about this because, often when we affirm something that is not yet real, the little voice in our head usually responds with “This isn’t true, this is BS.”


“to state an official intention to undertake a particular course of action or adopt a particular status.”
On the other hand, a declaration is not saying something is true, it’s stating that we have an intention of doing or being something. This is a position the little voice can buy, because we’re not stating it’s true right now, but again, it’s an intention for us in the future.

“My inner world creates my outer world.”
Now touch your head and say…
“I have a millionaire mind.”

“Give me five minutes, and I can predict your financial future for the rest of your life.”

Each of us has a personal money and success blueprint already embedded in our subconscious mind. And this blueprint, more than anything and everything else combined, will determine your financial destiny.
your money blueprint is simply your preset program or way of being in relation to money.

T -> F -> A = R
Thoughts lead to feelings.
Feelings lead to actions.
Actions lead to results.

Your financial blueprint consists of a combination of your thoughts, feelings, and actions in the arena of money.

Where do your thoughts come from? Why do you think differently from the next person?
It comes from your past programming. That’s right, your past conditioning determines every thought that bubbles up in your mind.

P -> T -> F -> A = R
Your programming leads to your thoughts; your thoughts lead to your feelings; your feelings lead to your actions; your actions lead to your results.

The First Influence: Verbal Programming

money is the root of all evil, save your money for a rainy day, rich people are greedy, you have to work hard to make money, money doesn’t grow on trees, you can’t be rich and spiritual, money doesn’t buy happiness, the rich get richer and the poor get poorer, that’s not for people like us.

“Rich people are greedy. They make their money off the sweat of the poor. You should have just enough to get by. After that you’re a pig.”
Now, you would think that in choosing between being rich and being approved of by Mom or anyone else for that matter, most people would take being rich. Not a chance! The mind just doesn’t work that way. Sure, riches would seem to be the logical choice. But when the subconscious mind must choose between deeply rooted emotions and logic, emotions will almost always win.

When the subconscious mind must choose between deeply rooted emotions and logic, emotions will almost always win.

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.
You can observe this way of thinking and see it for what it is, a file that was stored in your mind a long, long time ago and may not hold any truth or value for you anymore.

The fourth element of change is reconditioning.

Steps for Change: Verbal Programming


Write down all the statements you heard about money, wealth, and rich people when you were young.


Write down how you believe these statements have affected your financial life so far.


Can you see that these thoughts represent only what you learned and are not part of your anatomy and not who you are? Can you see that you have a choice in the present moment to be different?


Place your hand over your heart and say…
“What I heard about money isn’t necessarily true. I choose to adopt new ways of thinking that support my happiness and success.”
Touch your head and say…
“I have a millionaire mind.”

The Second Influence: Modeling

Were they spenders or savers? Were they shrewd investors or were they noninvestors? Were they risk takers or conservative? Was money consistently there or was the flow more sporadic? Did money come easily in your family, or was it always a struggle? Was money a source of joy in your household or the cause of bitter arguments?

“Monkey see, monkey do.” Well, humans aren’t far behind. As kids, we learn just about everything from modeling.

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. Then, by virtue of the law of intention, that’s exactly what you will get.

Unfortunately, as little kids we can’t say to our parents, “Mom and Dad, have a seat. I’d like to discuss something with you. I’m not fond of the way you’re managing your money or, for that matter, your lives, and therefore, when I become an adult, I’ll be doing things quite differently. I hope you understand. Good night now and pleasant dreams.”

“I’m tired of being angry and stressed out. I just want to be peaceful and happy.”
To which their mind answers, “If you want to get rid of your anger, you’re going to have to get rid of your money.” So they do. They subconsciously get rid of their money.

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.

security and fear are both motivated by the same thing. Seeking security comes from insecurity, which is based in fear.
So, will more money dissolve the fear? the answer is absolutely not. Why? Because money is not the root of the problem; fear is.

When we were broke, we were most likely afraid we’d never make it or never have enough. Once we make it, however, our fear usually changes to “What if I lose what I’ve made?” or “Everyone’s going to want what I have” or “I’m going to get creamed in taxes.” In short, until we get to the root of this issue and dissolve the fear, no amount of money will help.

No amount of money, or anything else for that matter, will ever be enough for people who feel they are not good enough themselves.
Again, it’s all about you. Remember, your inner world reflects your outer world. If you believe you are not enough, you will validate that belief and create the reality that you don’t have enough. On the other hand, if you believe you are plenty, you will validate that belief and create plenty of abundance. Why? Because “plenty” will be your root, which will then become your natural way of being.

Steps for Change: Modeling


Consider the ways of being and habits each of your parents had around money and wealth. Write down how you may be identical or opposite to either of them.


Write down the effect this modeling has had on your financial life.


Can you see this way of being is only what you learned and isn’t you? Can you see you have a choice in the present moment to be different?


Place your hand over your heart and say…
“What I modeled around money was their way. I choose my way.”
Touch your head and say…
“I have a millionaire mind!”

The Third Influence: Specific Incidents

As far as I was concerned, whenever my wife spent money, she wasn’t spending money, she was spending our future freedom. And as far as she was concerned, whenever I held her back from spending, I was taking away her pleasure in life.

Success Story from Deborah Chamitoff

The biggest reason behind the fights people have about money is not the money itself, but the mismatch of their “blueprints.” It doesn’t matter how much money you have or don’t have. If your blueprint doesn’t match that of the person you’re dealing with, you’ll have a major challenge.
The key is to comprehend that you are dealing with blueprints, not money.
Instead of getting upset, choose understanding. Do your best to find out what’s important to your partner in the arena of money and identify his or her motivations and fears. In this way, you’ll be dealing with the roots instead of the fruits and have a good shot of making it work.

Steps for Change: Specific Incidents

find out what money really means to your partner. Is it pleasure or freedom or security or status?


Consider a specific emotional incident you experienced around money when you were young.


Write down how this incident may have affected your current financial life.


Can you see this way of being is only what you learned and isn’t you? Can you see you have a choice in the present moment to be different?


Place your hand on your heart and say…
“I release my nonsupportive money experiences from the past and create a new and rich future.”
Touch your head and say…
“I have a millionaire mind!”

So What Is Your Money Blueprint Set For?

What is your current money and success blueprint, and what results is it subconsciously moving you toward? Are you set for success, mediocrity, or financial failure? Are you programmed for struggle or for ease around money? Are you set for working hard for your money or working in balance?

Are you set for having a high income, a moderate income, or a low income? Did you know there are actual dollar amounts for which many of us are programmed? Are you set for earning $20,000 to $30,000 a year? $40,000 to $60,000? $75,000 to $100,000? $150,000 to $200,000? $250,000 a year or more?

What matters is whether you are reaching your full financial potential.

Let’s go on. Are you programmed for saving money or for spending money? Are you programmed for managing your money well or mismanaging it?

Most people believe the success of their business is primarily dependent on their business skills and knowledge, not a chance!
How well your business does is a result of your money blueprint.

Is money a struggle or does it come to you easily? Do you own a business or do you have a job? Do you stick with one business or job for a long time or do you jump around a lot?

Your blueprint is like a thermostat.
because the window is open and it is cold outside, the temperature in the room can drop to sixty-five degrees? Of course, but what will eventually happen? The thermostat will kick in and bring the temperature back to seventy-two.

The only way to permanently change the temperature in the room is to reset the thermostat. In the same way, the only way to change your level of financial success “permanently” is to reset your financial thermostat.

Remember that the first element of all change is awareness. Watch yourself, become conscious, observe your thoughts, your fears, your beliefs, your habits, your actions, and even your inactions. Put yourself under a microscope. Study yourself.

for the most part, we’re like robots, running on automatic, ruled by our past conditioning and old habits. That’s where consciousness comes in. Consciousness is observing your thoughts and actions so that you can live from true choice in the present moment rather than being run by programming from the past.

Consciousness is observing your thoughts and actions so that you can live from true choice in the present moment rather than being run by programming from the past.

By achieving consciousness, we can live from who we are today.
Once you are conscious, you can see your programming for what it is: simply a recording of information you received and believed in the past, when you were too young to know any better. You can see that this conditioning is not who you are but who you learned to be. You can see that you are not the “recording” but the “recorder.” You are not the software, but the hardware.

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.

Nothing has meaning except for the meaning you give it.

DECLARATION: Place your hand on your heart and say…
“I observe my thoughts and entertain only those that empower me.”
Touch your head and say…
“I have a millionaire mind!”