Wealth File #16 - Rich people act in spite of fear. Poor people let fear stop them.

Millions of people “think” about getting rich, and thousands and thousands of people do affirmations, visualizations, and meditations for getting rich. I meditate almost every day. Yet I’ve never sat there meditating or visualizing and had a bag of money drop on my head. I guess I’m just one of those unfortunate ones who actually has to do something to be a success.

Affirmations, meditations, and visualizations are all wonderful tools, but as far as I can tell, none of them on its own is going to bring you real money in the real world. In the real world, you have to take real “action” to succeed. Why is action so critical?

Action is the “bridge” between the inner world and the outer world.

So if action is so important, what prevents us from taking the actions we know we need to take?
Fear, doubt, and worry are among the greatest obstacles, not only to success, but to happiness as well.
Therefore, one of the biggest differences between rich people and poor people is that rich people are willing to act in spite of fear. Poor people let fear stop them.
The biggest mistake most people make is waiting for the feeling of fear to subside or disappear before they are willing to act. These people usually wait forever.

Rich and successful people have fear, rich and successful people have doubts, rich and successful people have worries. They just don’t let these feelings stop them.

Because we are creatures of habit, we need to practice acting in spite of fear, in spite of doubt, in spite of worry, in spite of uncertainty, in spite of inconvenience, in spite of discomfort, and even to practice acting when we’re not in the mood to act.

“If you are going to let a three-hour drive or a three-hour flight or a three-day trek stop you from doing something you need and want to do, then what else will stop you? Here’s the easy answer: anything! Anything will stop you. Not because of the size of the challenge but because of the size of you!

Why is acting in spite of discomfort so important? Because “comfortable” is where you’re at now. 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.
being comfortable is highly overrated. Being comfortable may make you feel warm, fuzzy, and secure, but it doesn’t allow you to grow. To grow as a person you have to expand your comfort zone. The only time you can actually grow is when you are outside your comfort zone.

The first time you tried something new, was it comfortable or uncomfortable? Usually uncomfortable. But what happened afterward? The more you did it, the more comfortable it became.
Then you will have a new, expanded comfort zone, which means you will have become a “bigger” person.

The more comfortable you have to be, the fewer risks you will be willing to take, the fewer opportunities you will take advantage of, the fewer people you will meet, and the fewer new strategies you will try.

Again, when you have a large “container” (comfort zone), the universe will rush to fill the space.

Nobody ever died of discomfort, yet living in the name of comfort has killed more ideas, more opportunities, more actions, and more growth than everything else combined. Comfort kills! If your goal in life is to be comfortable, I guarantee two things. First, you will never be rich. Second, you will never be happy.
Happiness comes as a result of being in our natural state of growth and living up to our fullest potential.

the minute you get comfortable, you have stopped growing. Again, to grow yourself to your fullest potential, you must always be living at the edge of your box.

Your mind is the greatest soap-opera scriptwriter in history. It makes up incredible stories, usually based in dramas and disasters, of things that never happened and probably never will. Mark Twain said it best: “I’ve had thousands of problems in my life, most of which never actually happened.”

One of the most important things you can ever understand is that you are not your mind. You are much bigger and greater than your mind alone. Your mind is a part of you just as your hand is a part of you.

Training and managing your own mind is the most important skill you could ever own, in terms of both happiness and success.

How do you train your mind? You start with observation. Notice how your mind consistently produces thoughts that are not supportive to your wealth and happiness. As you identify those thoughts, you can begin to consciously replace those nonempowering thoughts with empowering ones.

Make a decision that from now on, your thoughts do not run you, you run your thoughts.
You have the natural ability to cancel any thought that is not supporting you, at any time. You can also install self-empowering thoughts at any time, simply by choosing to focus on them. You have the power to control your mind.

“No thought lives in your head rent-free.”
You will pay in money, in energy, in time, in health, and in your level of happiness.
Observe and choose to entertain only empowering thoughts while refusing to focus on disempowering ones.

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 its meaning.
With positive thinking, people believe that their thoughts are true. Power thinking recognizes that our thoughts are not true, but since we’re making up a story anyway, we might as well make up a story that supports us.

“I act in spite of fear.”
“I act in spite of doubt.”
“I act in spite of worry.”
“I act in spite of inconvenience.”
“I act in spite of discomfort.”
“I act when I’m not in the mood.”


  1. List your three greatest worries, concerns, or fears regarding money and wealth. Challenge them. For each, write down what you would do if the situation you fear actually happened. Could you still survive? Could you make a comeback? Chances are that the answers are yes. Now quit worrying and start getting rich!
  2. Practice getting out of your comfort zone. Intentionally make decisions that are uncomfortable for you. Speak to people you normally wouldn’t speak to, ask for a raise in your job or raise your prices in your business, wake up an hour earlier each day, walk in the woods at night.
  3. Employ “power thinking.” Observe yourself and your thought patterns. Entertain only thoughts that support your happiness and success. Challenge the little voice in your head whenever it tells you “I can’t” or “I don’t want to” or “I don’t feel like it.” Don’t allow this fear-based, comfort-based voice to get the better of you. Make a pact with yourself that whenever the voice tries to stop you from doing something that would be supportive to your success, you will do it anyway, to show your mind that you are the boss, not it. Not only will you increase your confidence dramatically, but eventually this voice will get quieter and quieter as it recognizes it has little effect on you.

Wealth File #17 - Rich people constantly learn and grow. Poor people think they already know.

“the three most dangerous words in the English language.” Those words are “I know that.”
how do you know if you know something? Simple. If you live it, you know it. Otherwise, you heard about it, you read about it, or you talk about it, but you don’t know it. Put bluntly, if you’re not really rich and really happy, there’s a good chance you still have some things to learn about money, success, and life.

“Harv, if you’re not as successful as you’d like to be, there’s something you don’t know.”
I took his suggestion to heart and went from being a “know-it-all” to a “learn-it-all.”

Poor people are often trying to prove that they’re right. They put on a mask as if they’ve got it all figured out, and it’s just some stroke of bad luck or a temporary glitch in the universe that has them broke or struggling.
“You can be right or you can be rich, but you can’t be both.”
“you can be right or you can be happy.”

Author and philosopher Eric Hoffer said, “The learners shall inherit the earth while the learned will be beautifully equipped to live in a world that no longer exists.” Another way of saying that is, if you’re not continuously learning, you will be left behind.

“If you think education is expensive, try ignorance.”
“knowledge is power,” and power is the ability to act.

If you want to be a great golfer, you can learn how to do it. If you want to be a great piano player, you can learn how to do it. If you want to be truly happy, you can learn how to do it. If you want to be rich, you can learn how to do it. It doesn’t matter where you are right now.

“Every master was once a disaster.”

Becoming rich isn’t as much about getting rich financially as about whom you have to become, in character and mind, to get rich.

the fastest way to get rich and stay rich is to work on developing you!
Your outer world is merely a reflection of your inner world. You are the root; your results are the fruits.
“You take yourself with you wherever you go.”

Rich people understand the order to success is BE, DO, HAVE.
Poor and middle-class people believe the order to success is HAVE, DO, BE.

the goal of creating wealth is not primarily to have a lot of money, the goal of creating wealth is to help you grow yourself into the best person you can possibly be.

Madonna was asked why she kept changing her persona, her music, and her style every year. She responded that music was her way to express her “self” and that reinventing herself each year forces her to grow into the kind of person she wants to be.


  1. Commit to your growth. Each month read at least one book, listen to one educational tape or CD, or take a seminar on money, business, or personal development. Your knowledge, your confidence, and your success will soar!
  2. Consider hiring a personal coach to keep you on track.

“So What the Heck Do I Do Now?”

“Talk is cheap.”

I recommend you commit each of these “wealth files” to memory by repeating their declarations daily.

Action exercises are imperative. For change to be permanent, it must occur on a cellular basis—your brain’s wiring must be remade. This means you have to put the material into practice. Not just read about it, not just talk about it, and not just think it, but actually do it.

The conditioned mind, Remember, its job is to keep you right where you are, in your comfort zone. Don’t listen to it. Do the action exercises, do your declarations, and watch your life skyrocket!

repetition is the mother of learning. Again, the more you study this book, the faster the concepts will become natural and automatic for you.

Share the wealth

The goal of this book has been to assist you in raising your consciousness. Again, consciousness is observing your thoughts and actions, so that you can operate from true choice in the present, rather than acting on the basis of programming from the past. It is about the power to respond from your higher self rather than to react from your fear-based, “lower” self. In this way you can be the best you can be and fulfill your destiny.

As each individual raises his or her consciousness, the world raises its consciousness—moving from fear to courage, from hatred to love, and from scarcity to prosperity for all.

It is therefore up to each of us to enlighten ourselves so that we may add more light to the world.