Wealth Articles

Wealth Articles
The Ins and Outs of Wealth Creation

Michael Hall, Ph.D.
Wealth Creation was one of the first modeling projects that I got
involved with after I learned NLP and as I was developing NeuroSemantics. I got interested in the strategy of how first-generation rich
people become financially independent so that they can stop
working for money, and let money work for them, thereby freeing
them up so that they can pursue their passions and dreams. I wanted
to be one of those people.
At first I thought I might find some really incredible and
magical secrets that no one had told me about or that the rich were
keeping to themselves. But after interviewing some self-made
millionaires and then exploring the vast research literature of this
subject, I came to what I still think is an astonishing realization the
actual processes for creating wealth is not Rocket Science, it is not
even unusual, or uncommon. Actually, we all have the ability to
create wealth. And, everybody I have met to this date knows all kinds
of things that they could do that would improve their financial wellbeing. Everybody knows things to do. But not everybody acts on what
they know.
This means that ultimately it is not what you know that will turn you
into a wealth creator, but what you do about what you know. If you
learn everything about wealth creation, and you dont close the
knowing-doing gap, all your knowledge will not make a difference.
This, of course, is where Neuro-Semantics does its magic. NeuroSemantics is the human science that enables you to get yourself to do
what you already know, hence the Mind-to-Muscle pattern.
I also discovered that there are some really strange semantics
involved around wealth, money, and finances. This refers to the
meanings that you give to wealth, being wealthy, becoming wealthy,
and living from a state of wealth. For some people, these words evoke
feelings of guilt, confusion, inadequacy, undeserving and so they
cant get there because they are wired (within their matrix of frames)
against such. Others have the opposite response. In them, wealth is
equated strictly with money and so over-loaded with importance, that
their sense of wealth is impoverished because it is not holistic.
The most astonishing discovery I made, however, is that wealth is an
inside-out job. You have to get rich inside yourself before you can
actualize it in terms of money, stuff, and resources. That is, you dont
get financially rich in order to be personally, psychologically, and
relationally rich. That has it all backwards. First you get rich in all of
the ways that really count mentally and emotionally within yourself
as a person. Then when you are rich inside, you have become a
wealth creator (first for yourself) and then youll be able to know how
to create wealth for others and thats the pathway to financial
independence.
The Training Workshop on Wealth Creation
In 2006, I renamed the Wealth Creation training, Inside-Out Wealth to
reflect the discoveries I had been making in the ongoing modeling
project. Over the years the training went under several titles, Games
Wealth People Play andMastering your Wealth Matrix. Today there are
several Neuro-Semantic Trainers who present this training.
So, if you are tired of working for money and want to begin a process
so that money works for you, so that you can then live for your
dreams having the financial independence so that you choose how
and where to devote your lifes energy, then consider attending the
Neuro-Semantic Wealth Creation training. In that training you will
discover and learn
The principles for creating wealth
How to build a Ten-Year Wealth Creation Plan
The true heart of wealth and wealth creation
The entrepreneurial attitude about investing
The higher meta-states for seeing and seizing opportunities
The art of inside-out wealth
How to master your matrix for financial independence
How to close knowing-doing gap
How to access and operate from truly wealth states of mind and emotion
How to increase your efficiency in getting things done
How to reframe your attitude about challenge, problems, and difficulties
How to keep yourself motivated and focused over a ten-year period
How to develop a big enough intentional

And much more
The
First
Project
Wealth-Building
Modeling
Posted on February 9, 2010 by admin

Very Practical Suggestions for Building Wealth
How becamest thou so wealthy?
(The
Richest
George S. Clason, 1926)
Man
in
Babylon)
By L. Michael Hall, Ph.D.

In 1926 George Clason wrote a fabulous little book, The Richest Man
in Babylon. Its all about wealth and wealth building. Yet theres more
to itit presents a fictitious account (read, metaphor) about the first
Modeling Project on Wealth Building. To highlight this delightful little
book and provide 11 very Powerful Wealth Building Principlesfree of
charge, I have quoted extensively from the book and enumerated
Eleven Principles that would begin you on the road to Financial
Independence.
The Richest man in Babylon operated from a very powerful Belief,
namely,
Lo, money is plentiful for those who understand the simple rules of
its acquisition.
From that belief of Abundance, he then ennumerated Seven Cures for
a Lean Purse. The king of Babylon wanted to know why should so few
men be able to acquire all of the gold. What explains this? How could
more do not become wealthy?
Because they know how. (p. 23)
In response to this information, the King of Babylon then did what any
good modeler worth his salt would do, he searched out and found
the richest man in Babylon in order to model the best. So when he
finally appeared, he just went for it. He just asked the man directly,
How becamest thou so wealthy?
By taking advantage of opportunities available to all citizens of four
good city.
You hadst nothing to start with?
Only a great desire for wealth.

Tell me, Arkad, is there any secret to acquiring wealth? Can it be
taught?
When he discovered that it indeed could be taught, the King then
invited him to teach it from the Temple of Learning (undoubtedly the
citys main Conference for such things). So the richest man began,
Listen attentively to the knowledge learn these lessons thoroughly,
that ye may also plant in your own purse the seed of wealth. First
must each of you start wisely to build a fortune of his own. (p. 25)
And here were his first seven principles for fatting your purse:
1) Start thy purse to fattening.
Let an empty purse make you feel desperate and fed up. This will
increase your desire to become wealthy. Ah, an Away From Propulsion
System. But it doesnt end there. Theres more Propulsion System
described:
The first storehouse of my treasure was a well-worn purse. I loathed
its useless emptiness (Away From). I desired that it be round and full,
clinking with the sound of gold (Toward!). Therefore, I sought every
remedy for a lean purse. I found seven. (p. 25)
Use your source of income as a stream of gold from which to build
your wealth. For every ten coins you place in your purse, take out for
use but nine. Thy purse will start to fatten at once and its increasing
weight will feel good in thy hand and bring satisfaction to thy soul.
Its a law of the Gods that unto him who keepeth and spendeth not a
certain part of all his earnings shall gold come more easily. Likewise,
him whose purse is empty does gold avoid. (p. 28)
Develop the soul to succeed. Refuse to be a slave to money, to
debt, to credit. Do you have the soul of a freeman or a slave? In a
fascinating and biting conversation, a wise man strongly challenged
another about his Character.
If thou contentedly let the years slip by and make no effort to repay,
then thou hast but the contemptible soul of a slave. No man is
otherwise who cannot respect himself and no man can respect
himself
who
does
not
repay
honest
debts.
But
what
can
I
do
who
am
a
slave
in
Syria?
Stay
a
slave
in
Syria,
thou
weakling.
I
am
not
a
weakling,
I
denied
hotly.
Then
prove
it.
How?
Thy debts are thy enemies. They ran thee out of Babylon. You left
them alone and they grew too strong for thee. Hadst fought them as
a man, thou couldst have conquered them and been one honored
But thou had not the soul to fight them and behold thy pride has gone
down until tho art a slave in Syria. Hast thou the soul of a free man
or
the
soul
of
a
slave?
The
soul
of
a
free
man,
I
insisted.
Now is thy chance to prove it. (pp. 97-98)
This empowering question created a shift in perspectivea new
frame or Meta-State:
A strange thing happened. All the world seemed to be of a different
color as though I had been looking at it through a colored stone which
had suddenly been removed. At last I saw the true values in life. Die
in the desert! Not I! With a new vision, I saw the things that I must do.
Go back treat my debts as my enemies (p. 100)
Within me surged the soul of a free man going back to conquer his
enemies and reward his friends. I thrilled with the great resolve.
The soul of a free man looks at life as a series of problems to be
solved, and solves them, while the soul of a slave whines, What can I
do who am but a slave. (p. 101)
This lead him to present another powerful Principle of Wealth Building
and Success:
Where the determination is, the way can be found. Do you believe
that? Would you like to believe that? Are your ready to say YES! to
that? Then do it.
2) Control thy expenditures.
The principle is very, very simple: Live on less than you earn. Save
10% of everything you earn. Repeat these words until they stand out
like letters of fire across the sky: A part of all I earn is mine to keep.
Impress yourself with the idea. (p. 19). Youll soon realize what a
rich feeling it is to own a treasure upon which you alone have claim.
How can I save 1 coin of every 10 coins? You have to say No to
framing everything as necessary expenses. Avoid doing that. In
fact, refuse to do that.
That what each of us calls our necessary expenses will always grow
to equal our incomes unless we protest to the contrary. (p. 29)
We have to say No! to many of the desires that extend beyond our
ability to gratify them. Yep, wouldnt you know it! We have to actually
budget our necessary expenses. Touch not the one-tenth thats
fattening thy purse. Let this be thy great desire thats being fulfilled.
Refuse to rebel against the slavery of the budgetits your way to
true freedom. A budget helps your purse to fatten. It defends you
against thy casual wishes that causes thy purse to leak.
He who spends more than he earns is sowing the winds of needless
self-indulgence from which he is sure to reap the whirlwinds of
trouble and humiliation. (p. 94)
Develop a plan to get out of debt, then patiently follow it. So, do you
have a plan? Do you know how to plan? Do you have the guts to
follow it?
3) Make thy gold multiply.
The gold we retain from our earnings is the start. Now ask, How can
we put our gold to work for us? Opportunity is a haughty goddess
who wastes no time with those who are unprepared. So? So, set your
will for wealth (a meta-state!) After all, will power is but the
unflinching purpose to carry a task you set for yourself to fulfillment.
A mans wealth is not in the coins he carries in his purse; it is the
income he builds the gold stream that continually flows from his
purse and keeps it bulging. Have you started your own gold
stream? Do you know how to do that? Would you like to? If you
found out, would you be willing to do the work necessary to follow
through?
4) Guard thy treasures from loss.
Now comes the time to begin to guard your purse with firmness, lest
it be lost. Use Security of your investments as thy first principal.
Study carefully to avoid being misled by romantic desires to make
wealth rapidly. Be not too confident of thine own wisdom in entrusting
thy treasures to the possible pitfalls of investments.
Wealth brings responsibility. When you desire to help others, do so in
a way that does not bring thy friends burdens on yourself. Humans in
the throes of great emotions are not safe risks for the gold lender (p.
78).
Forget not that gold slippeth away in unexpected ways from those
unskilled in guarding it. (p. 84)
Do not be swayed by the fantastic plans of impractical men. Better a

little caution than a great regret.
5) Make of thy dwelling a profitable investment.
I recommend that every man own the roof that sheltereth him and
his. It will make your heart glad, you will have valuable property. Ah,
the use of real estate in building wealth! Well, its a place to begin
rather than throwing all your money away on rent.
6) Insure a future income.
Learn to make your treasure work for you. Make it your slave. Make
its children and its childrens children work for you. Make preparation
for the days to come. Have sufficient insurance.
7) Increase the ability to earn.
Make your desires strong and definite. General desires are but weak
longings. Ah, sounds like State Management and amplification!
Develop wisdom: the more of wisdom we know, the more we may
earn. Learn more of your craft. Pay your debts with all the
promptness in your power. Cultivate thy own powers study and
become wiser, more skillful. There is abundance for all. (p. 41)
Ill fortune pursues every man who thinks more of borrowing than of
repaying. (p. 93)
8) Enjoy life.
Do not overstrain or try to save too much. Life is good and rich with
things worthwhile and things to enjoy. Dont miss it. Theres more to
wealth than just money. Theres also wealth of mind, emotion,
relationships, etc.
9) Dont depend on luckUse the real luck of proactive
responses to Opportunities.
Give up myth of getting rich without effort. Not the way for
consistent winners. When opportunity stands before thee, it offers a
change that may lead to wealth. Do not delay or procrastinate then.
Good luck waits to come to that man who accepts opportunity. (p.
50). Good luck flees before procrastination. Give up the needless
delaying when you know that something is a good choice. Every man
must master his own spirit of procrastination when it whispers in your
ear. To attract good luck, take advantage of opportunities.
10) Know the 5 Laws of Gold.
Become wise in the ways of gold. Prove that you are capable of
handling it. Put by at least 1/10 of your earnings. Find a profitable
employment. Invest it cautiously, get smart about your business,
avoid tricksters and schemers. (p. 63)
Learn to be thrifty who does not spend wantonly. Seek advice of the
wise. Seek wisdom before money. Fanciful propositions that thrill like
adventure tales will come and tempt you to endow your treasure with
magic powers. Know the risks that lurk behind every plan.
Because I learned these five laws in my youth and abided by them, I
have become a wealthy merchant. Not by some strange magic did I
accumulate my wealth. (p. 67). Instead of seeking out some strange
magic learn the structure of the magic of wealth building, i.e., the
laws and principles that truly govern it!
They are not secrets but truths which every man must first learn and
then follow who wishes to step out of the multitude (p. 70)
In the strength of thine own desires is a magic power. Guide this
power with thy knowledge of the five laws of gold and thou shalt
share the treasures of Babylon. (p. 71)
Merchants must learn their trade. (p. 81)
11) Learn to appreciate Work and then turn it into Fun.
Work will become the best friend youve ever known if you use it for
fattening your purse. If you take the attitude that only slaves work,
youll not get far. Nor will you get ahead by shirking. So work for him
as hard as thou canst. If he does not appreciate all thou do, never
mind. Work well-done, does good to the man who does it. It makes
him a better man. (p 124)
When you have the attitude of looking for how to get out of work, how
to work minimallyyou develop a lack of Quality Orientation. Do the
opposite. Give it your best. Turn it into fun.
More Wealth Principles
Tony Robbins (1986, Unlimited Power, Ch. 19: Five Keys to Wealth &
Happiness):
Use your NLP resources to take absolute control of your life, this
means using your abilities, not just having them. Our actions are
guided and controlled by our philosophies, so make sure you have
some good ones!
1) Life will pay any price you ask of it.

What do you ask of Life? How big are your goals? Ask for resounding
joy and success. Empowering belief: If you learn how to manage your
states and your behaviors, you can change anything (p. 321).
2) Learn how to handle frustration.
Otherwise, frustration will kill your dreams. Frustration can change a
positive attitude into a negative one. The worse thing a negative
attitude does is wipe out self-discipline, and when that discipline is
gone, the results you desire are gone.
Mind-Lines for frustration: The key to success is massive frustration,
just look at any great success! People get paid very well to handle
frustration. The more frustration you can handle, the more you can be
paid. Aim to learn how to handle frustration effectively. Success if
buried on the other side of frustration.
3) Learn how to handle rejection and the tiny word, No.
The fear of no stops most people from taking action. Learn how to
strip it of all of its neuro-linguistic power! Refuse to turn failures into
Big Events! How many nos can you take? You give it power through
how you represent it to yourself. Anchor yourself to no so that it
actually turns you on.
Mind-Line on No: There are no real successes without rejection.
4) Learn to handle financial pressure.
Learn how to get and how to give, how to earn and how to save.
Learn how to give back to the worldto create value, to act from the
position of abundance, to become that kind of a person, to expand
your sense of appreciation. Giving back teaches you more fully what
money can do and what it cannot do.
5) Use the 10/10/10/70 rule.
Living on 70 percent of what you have. Save 10% to build up capital
to invest, reduce all debts with another 10%, and give away another
10% of your income. Make money work for you instead of against
you. Learn to earn, save, and to give. Operate with purpose and
elegance in regard to money. Work from a set of dynamic, evolving
and enabling goals.
6) Learn to See Opportunities.
Become a true capitalistic living in a capitalistic society, surrounded

by opportunities everywhere. Take advantage of the very system that
our forefathers fought to create. Learn to take your money and use it
as capital.
7) Learn to handle complacency.
Comfort can be one of the most disastrous emotions. Judge yourself
by your goals, not by what others are doing.
8) Always give more than you expect to receive.
The secret of living is giving. Give first. If youre just accumulating
money for you, to lord it over your kingdom, you are not really a
success, dont really have power, nor true wealth. Think of success as
a process, a way of life, and a strategy for living. Then use your
power in a responsible and loving way.
The Secret Wealth Creation Attitude

Wealth Creation Ideas #5
L. Michael Hall, Ph.D.
What lies behind us and what lies before us are tiny matters
compared to what lies within us.
Ralph Waldo Emerson
Would you like to explore a question that will help to identify how
optimistic, success-oriented, and likely to succeed? If so, then notice
what you immediately think when you hear the following question?
What immediately pops into your mind?
If something goes wrong as your working on a project, or with a team,
or on a highly critical objective, which would you preferto discover
that it was something in your area or something external to yourself?
Now, I have to admit that this is a test question as you will soon
discover. The trick to it will show why the preferred answer is counterintuitive to how most of us think and how we have been trained to
think. It also goes against how most of us are oriented in life we are
oriented to move away from a positive feeling and attitude about
failure, failing, making mistakes, messing up, flobing it, or welcoming
errors. I mean, really, who wants that? Yet, this is the paradox. It is by
entering into this dark side of things, welcoming this shadow, and
kissing this dragon that we actually take some powerful steps to

greater success. How in the world does this work?
This counter-intuitive response involves numerous powerful frames of
mind that put us into the very best states for ongoing development,
unleashing new potentials, and using every experience for
accelerating our learning. The paradox begins on the level of
acceptance. Acceptance is the ability to look reality in the face
without caving in. We call this ego-strength. This is the strength of
mind and person (sense of self) to welcome reality for whatever it is
for the purpose of analyzing it and figuring out how best to cope with
it.
The paradox also goes right to the heart of responsibility, of taking
and owning responsibility for ones life. It was Martin Seligman who
discovered in his study of helplessness and optimism that when
optimists experienced failure, they typically attributed their failure to
something they did or did not do. They looked at their actions, words,
relationships, and actions. This attitude in the face of failure is what
enables them to take the next step, namely, If I caused it, I can
correct this. And thats where the power of persistent success lies. It
lies in ownership of responsibility.
Conversely, those who deny any responsibility, who fear failure and
mistakes, who dread being wrong more than anything move into
denial, cover-up, projection, rationalization, and all of the other
defense mechanisms. Yet these protective maneuvers actually reveal
the persons inner insecurity and lack of ego-strength. So while the
person is investing mind and emotion into defensiveness, the person
fully at peace with his or her fallibility is looking those failed attempts
directly in the face and harvesting learnings and wisdom. This puts
that person miles ahead in moving toward his or her goals.
Doesnt this completely reframe failure, errors, and mess ups?
Welcoming them enables us to learn from them more efficiently and
so accelerates our development. And by seeing opportunities for
wisdom in every action that didnt complete get the results we
wanted, we embrace the failure as a rare and unprecedented
opportunity to learn something critically important.
So, why do optimists fare better than pessimists? They operate from
the frame or inner game of taking full ownership for their
performances. This saves them the time, energy, and negative states
caused by whining, complaining, blaming, fearing failure, dreading
being wrong, etc. They dont have either the time for that nor the
disposition.
Whining about conditions over which we have no control is not only

counter-productive, but actually creates, feeds, and nurtures one of
the most self-sabotaging frames of all, the victimization frame. This
creates a defeatist view of the world and of life that leads nowhere.
People who play that inner game then stop trying, stop working, stop
learning, they become negative and they get into a negative mood of,
Why try? It is this frame of mind that does the most damage to
them.
So the next time something goes wrong, Id heartily recommend that
you use the kind of inner self-talk that optimists use, to immediately
go inside and say to yourself,
I hope it was my fault!
I hope it was my failure; then I will get some top-quality feedback for
fabulous discoveries and new found wisdom.
I take total responsibility for the outcomes and results that Im
getting.
One of the key secrets to success is that when you get knocked down,
be sure to land on your feet! Such resilience will enable you to stay
focused on the most critical elements of all, namely, what you can do
to obtain more and more efficient results. Along these lines it has
been that The best defense against unfair workplace treatment is
performance, is being able to perform better and more effectively.
Now, are you yet interested in the Neuro-Semantic mastery skills that
we present at the trainings whether at APG, Wealth Creation, MetaCoaching, Trainers training, etc.?
Author: L. Michael Hall is a psychologist, entrepreneur, runner, writer,
researcher, modeler, and many other things who lives in the Rocky
Mountains and travels all over the
world. www.neurosemantics.com P.O. Box 8, Clifton, CO. 81520 USA
Creating Wealth Through

Meta-State Synergy
The test of a first-rate intelligence is the ability to hold two opposed

ideas in the mind at the same time, and still retain the ability to
function. F. Scott Fitzgerald
When I began modeling first-generation rich millionaires, I discovered
something that seemed to violate my understanding of the
importance of balance. And for a couple of years, I really didnt
know what to make of it. As a psychologist, I had been trained to think
about things in terms of balance. In the field of coaching, the
wheel of life has been used for years to portray the various
dimensions of life which need to be balanced: health, work,
relationships, spirituality, family, relaxation, etc. More recently many
books and coaching has made work/life balance their speciality.
Yet theres a strange paradoxical problem with balance. If we focus
too much on balance, balance itself can become imbalance. This is
especially true if we treat the facets of life like work, fun, hobby, etc.
as if they are separate and were not allowed to mix them. I began to
realize this as I was modeling those who became first-generation rich
millionaires. One of the characteristics of those who found a pathway
to wealth creation is that they blurred the line between work and fun.
Leaders in all kinds of fields, creative innovators, and pioneers in new
developments commonly say that they havent worked in years, for
them everyday that they are fully engaged in what they do that so
happens to make them lots of money is just fun.
Its interesting what happens when we mentally dichotomize work and
fun, that is, put work and fun into different classifications or
categories (boxes) and treat them as opposites. When we do that, and
then operate as if they were polar opposites of a continuum, we begin
to feel the need to balance them. If we dont, then we can feel torn by
them as we over-emphasize one to the exclusion of the other. When
we are at work, our mind goes to wishing we could take a vacation
and go on a holiday. When were on holiday, we torment ourselves
with apprehensions about all the work we have to do when we get
back.
Continuum
<_________________________________________________________>
Work
Play
Yet theres another choice. Rather than treating these as opposites,

dichotomizing them and turning them into an area of conflict in our
mind-and-emotions, what if we created a synergy out of them?
Thinking about things as opposites along a linear continuum is
actually a lower and more primitive kind of thinking. Its what we call
linear thinking. When we rise above that kind of thinking to nonlinear, systemic, and holistic thinking, we are able to create new
levels of synergy so that new emergent properties arise, things that
are more than the sum of the parts. These new gestalts then
contain a higher level integration than balance ever could.
How do we shift to this non-linear kind of systems thinking?
What do we specifically need to do in order to stop the
dichotomizing and see the supposed opposites in a more synergetic
way?
One way we can do this is through using the Meta-States model. This
revolutionary model uses our natural self-reflexive consciousness to
step outside of the box of linear thinking as we step back and jump a
logical level in our mind. This meta-stating means bringing one state
to another to set one as the frame of the other. In the case of work
and play (or fun), we could meta-state play with work so that we set
work as the frame and the higher level class or category over play.
Doing that leads to working at our play, which doesnt strike me as
any improvement at all.
Yet what if we meta-stated our work with play? What if we created the
new frame of playing at our work, playful work, or enjoying and
having fun at our work? Yes, now that does sound like an incredible
improvement, a revolutionary one in fact. What would we feel if work
was framed, felt, perceived, and experienced as a member of the
class of Play? What if we woke up every morning and couldnt wait to
get to work because it was so much fun, brought so much joy, and
energized us the way that play does?
The synergy of creating this new complex state of joyful work would
not be a balance, of so much time and effort devoted to work,
then we get a break and can go play. That would be such a very
different world than living in the universe where we felt our work was
play and couldnt believe that we actually get paid for it!
As we meta-states these opposites we create new gestalts. We

create a synergetic matrix that puts things together in a new and
dynamic way. When we do so we move beyond balance to synergy.
Now we are no longer talking about mere balance. As a form of linear
thinking, balance implies going to the midpoint, fifty-fifty, half and
half, a compromise between two choices. When we go beyond
balance to synergy we move to a rich and full mixture of the seeming
opposites and the emergence of new qualities.
Now you know why we emphasize that there are three kinds of states
(primary, meta, and gestalt) and why we do so much gestalting of
meta-states in our Meta-State trainings, especially the Wealth
Creation training to create such gestalt states as passionately enjoy
work, seeing and seizing opportunities, loving problem solving and
adding value, etc. So when will you join a Neuro-Semantic training
and experience such synergy?
If Wealth Creation was Easy,

Everybody Would be Doing It

Theres an untold variable that plays a key role in creating wealth that
most people are not aware of at all. In fact, the common myths about
building wealth obliterate this variable so completely that very few
people know about it. And to make matters worse, it is not a variable
that can be very easily communicated. In fact, as I begin this piece, I
have to admit that I do not know how to state it succinctly let alone in
a compelling way. Perhaps thats because of the content of this secret
principle of wealth creation. But I will give it a go and let you be the
judge.
Ill begin by seeing if I can put most of it in a singular paragraph. This
secret principle of wealth creation and success in general involves
Using the power of compensation so that you develop a stubborn
resolve that has so much steel and commitment within it that you
experience as it were an immunization to failure that makes you so
undefeatable that no matter what the odds, you succeed anyway.
From this you develop a resolve made of steel so that you develop
such a powerful will-to-win that you out-perform against all odds and
persist until you do.
Whew! That was a mouthful. Did you get all of that? To give this some
embodiment, think about Lance Armstrong. While he was a good
cyclist, and a committed athlete, there was something about facing a
life-threatening disease that evoked something within him that then
became the winning factor.
But Im not finished. Theres something else in this secret. To identify
that we have to ask the probing question, What calls forth this kind of
resolve of steel that makes the difference? And the answer is one that
you wont like. At least, I dont like it.
What calls forth a resolve of steel in people and becomes the catalyst
for an undefeatable spirit is typically a humiliation, defeat, adversity,
or conflict. It is usually something unpleasant, distressful,
challenging, disappointing, even painful. More typical than not, it is
precisely something along a path that we dont want to travel.
See, I told you that you wouldnt like it. Was I right? So, what exactly
am I talking about? Well, in The Millionaire Mind, researcher of the
rich, Stanley Thomas exposes several of the myths of wealth creation
and among them is that those who became the first-generation selfmade millionaires were not the whiz kids at school, not those voted
most likely to succeed, not those with the highest grades or IQ
tests. Only 2% of those with the Millionaire mind scored high
scholastically. The majority were C grade students and they are
more likely to have one or more components of inferiority in their selfimage. (p. 88).
He found them self-depreciating and that
during their formative years, some authority figure such as a
teacher, parent, guidance counselor, employer, or aptitude testing
organization told them, You are not intellectually gifted. They were
degraded by someone or something during their formative years
[They] responded by over-working and eventually out-performing the
so-called intellectually gifted. (p. 88, 89)
Whats the point?
In the real world, who succeeds? People who have built up immunity
to pain. (93)
Questioning the norm, the status quo, and authority are hall-marks
of the thinking of self-made millionaires and those destined to
become affluent. (92)
So they compensated and developed a strong work ethic (99). Facing
various obstacles or handicaps, they compensated for their
deficiencies.
most self-made millionaires were confronted with one or more
significant obstacles in their life. Our self-made millionaires chose
another path [than accepting the negative evaluations by some
authority figure], they discredit the authority figure who attempt to
degrade them They had the insight, courage, and audacity to
challenge the assessments. (101)
Underline those words, insight, courage, and audacity to challenge.
They are the ingredients of the kind of tenacity that enabled them to
fight and compete for important goals (106). As steel cannot be
hardened unless its hammered,
its no different with people. Self-made millionaires report that
degrading evaluations and comments by certain authority figures
played a role in their ultimate success in life. Hammering built the
antibodies they needed to deflect criticisms, and temper their

resolve. (102)
Adversity is essential in bringing out the best in people. Some call it
character. (108)
Have you ever heard about this secret ingredient of success? And
what specifically is it? We are talking about the steel resolve to fight
for important goals and to not expect it as an entitlement or as a
natural consequence of intelligence or inheritance, not to look for a
panacea or easy path to quick riches. Were talking about the
stubbornness to compensate, to learn to play the game with whatever
handicaps one starts with, and to nurture such courage that one
fights against all odds. Somehow it is in the very process of
overcoming problems, labels, the odds, humiliations, and challenges
that strengthens a person from the inside out. It is like adding
titanium to steelthat very process makes steel many times strong
than it is alone.
Life is not one short raceit is a marathon of marathons. Labels
come and go. If you believe that you can succeed in life in spite of
degrading labels that predict your failure, you are likely to win most
of the marathon. This is the common experience among millionaires.
The large majority report that at some point or points in their lives
they were labeled inferior, average, or mediocre, but they did not
allow critics to forecast their future achievements, and they overcome
their label of so-called inferiority. (98)
Have you ever had a process that was like the forging and hammering
of steel? Like adding titanium to steel to create a steel resolve about
something? Those are the kinds of experiences that make and/or
break people. Its from that kind of furnace that self-discipline,
courage, commitment, and passion arises. It puts a fire in ones belly
that makes one ready to take on the impossible challenges. In this, we
see why over-protection and over-cuddling creates a softness that
leaves one unprepared for life and unwilling to devote the necessary
effort.
It is the disciplined person who takes charge of his or her life and
assumes complete responsibility for the results one gets and for
succeeding in ones specific area. As such, a disciplined person is not
easily side-tracked, not given to self-indulgence, and doesnt expect a
path of roses.
If you lack discipline, the chances of your ever accumulating wealth
are very, very small. A person with self-discipline possesses an
internal compass, a control and navigation system. To become
wealth one must be disciplined in thought and deed, disciplined
enough to search for great economic opportunities. (85)
Now you know another wealth creation secret. What you may not
know is that this is a complex meta-state comprised of numerous
ingredients and that in Meta-States we have a process for putting
them together, shaking well, and baking until we create a batch of a
new gestalt state. Today, we know how to generate such rich gestalt
states, states made of a titanium enriched steel resolve, without
having to put people through painful experiences and how to convert
painful experiences into a rich core. And, in fact, that in part is what
Mastering Your Wealth Matrix is about.
Meet me in Portland Oregon
June 24-26, 2005
For Mastering Your Wealth Matrix
Winning the Inner Game of Wealth Creation
A Positive Change NLP Center
Rich Aanrich and Cat Wilson
(503) 525- 0595
www.apositivechange.com
Rich@apositivechange.comRich@apositivechange.com
The Focus Power of

Millionaires
How do millionaires think?

How do self-made millionaires thinkthose that actually create the
wealth in their own lifetime?
What do these first-generation millionaires actually do to create their
financial independence?
For years I have been studying and modeling the experts in wealth
creation, both personally and from the extensive research by those
who make it their business to study such people. From both
longitudinal studies, focus groups discussions, and questionnaires,
tremendous data has been collected about this subject. One of my
favorite researchers is Thomas J. Stanley, author of The Millionaire
Next Door and The Millionaire Mind.
His research completely validates and confirms what Scrully Blotnick
discovered back in the 1960s, and what Robert Kiiyosaki and Suze
Orman have more recently been popularizing. In all of this, there is
not a lot new, and nothing at all revolutionary, or rocket science. Yet it
does goes against many myths about wealth building and the
Hollywood version that has permeated the mass media.
One of those myths is the idea of keeping all your options open,
diversifying your efforts, and being ready to seize any opportunity
that comes your way. If youre wanting to become financially
independent and successful in your field, these things will not only not
work, but will positively sabotage your best efforts. Conversely, if
youre committed to your own financial independence so that you
stop working for money and let it work for you thereby freeing you up
to follow your own dreams and aptitudes, then you will need to do the
opposite. It requires that you
Focus your interests, activities, and energies in a specific area.
Focus your perspective to seeing and seizing opportunities only in

that area.
Focus your powers of decision to say no to other opportunities.
In interviewing 733 self-made first generation rich millionaires who
had an average of 9.1 million in net work, Stanley Thomas described
these people in this way:
They are nichers, and they have little competition. Its all about
vocation, vocation, vocation. If you select the bedrock foundation of
the ideal vocation? What then? You love the products you product.
You have affection for your customers and supplies. In addition, you
know more about your niche market than anyone else. And your
customers dont care if you were a C student in college. To them you
are the who is enlightened. (189, 21)
To a great extent wealth creation is all about focus. Focusing on your
innate talents and aptitudes, focusing on developing your talent into
skills, then into expertise competence. Focusing on finding a niche
market where you can specialize, and focusing on devoting yourself to
something you love for a long enough time to become masterful at it.
When you do that, then the foundation stones of financial success
come easy. What are those? Integrity (being honest with people),
discipline (self-control), social skills (getting along with people), a
supportive spouse, and hard work. (11)
Over the past two decades I have been observing those who have
studied NLP to use it as a way of making a living. Ive been observing
people in the USA, the UK, Europe, South Africa, Australia, New
Zealand, South America, etc. Over that time I have seen some who
are very successful in business and I have seen many, many more
who were not. What is the difference?
One primary difference lies in the power of focus. Those who try to be
all things to all people and therefore a dabbler in many things and a
master of nothing are the ones who struggle financially and have
much less business success. It is those who focus their use of NLP into
a specific area and specialize in a market where theres a strongly felt
need, these are the ones who create an economic engine for their
financial independence.
Focus powerthe ability to concentrate dreaming, desiring, creating,
and acting on one single thing. Thats the secret. And no surprise.
This is the heart pulse of genius itself. Thats why we have applied
Meta-States and NLP to the genius state of flow. When youre able
to step fully into that state of focus, you are of one mind and intention
and then as energy flows were attention goes as directed by

intention you are all there and have all of your resources available.
When I do the 4-day Living Personal Genius training I always begin by
asking how many genius states participants have created and how
many do they have at a moments notice, that they can step in at
the snap of a finger and be there fully. Even though this is where the
power and genius is, Im typically surprised at how many know the
process, yet how few utilize it to their own personal empowerment.
Would you like to know more about all of this? Great, here are two
options:
1) I have attached a pdf file of a MILLIONAIRE-MIND CHECKLIST. Here
are 200 questions that come from The Millionaire Mind you can use as
a checklist. If you want to know what we do in our Wealth Creation
trainings, we empower you to enrich the matrices of your mind with
these millionaire frames. Our next one is June 23-26, Portland OR. at A
Positive
Change, Rich@apositivechange.comRich@apositivechange.com (503)
525-0995.
2) If youre finally ready for the genius training or are ready to truly
integrate it, our next training on Focus Power is in Minnesota, April 29,
30, May 1. Neuro-Semantic Institute. (651) 264-3045 (877) 686-2867
Meta Wealth Building

META-WEALTH BUILDING
THE ULTIMATE WEALTH BUILDING WORKSHOP
The Secrets Of Wealth Building Workshop
3 Day Extensive Training Workshop
Developed and Presented by
Developer of the Meta-States Model
Jump to what others say about this workshop.
Click here for Meta-Wealth
Testimonials at the 2000 United Kingdom Training
If Youre Interested in Becoming
Financially Independent, consider
the Wealth Building Training,
Games Wealthy People Play.
INSIDE OUT WEALTH
In 1998 I began a modeling project on Wealth Building. A simple
question drove the research. I simply wanted to know how the firstgeneration self-made millionaires did it. What were the key factors
that enabled them to become wealthy, make a fortune, and attain the
financial independence that so many of us would like?
The original phase of the project only took 10 months. I interviewed a
few millionaires and then began reading the literature of the field. I
then began my first trainings and tested the application of NeuroSemantics and NLP to Wealth Building. In was in that way that I field
tested the ideas and concepts. In the process I learned a lot, but more
importantly I applied the Wealth Building Principles to my own life. In
the first two years, I doubled my net worth, then doubled it again in
the past two years. I went from having two rental properties to 8. In
that same time, my income has tripled.
While there are numerous secrets to building wealth, I can tell you
that none of them are Rocket Science. In fact, you already know many
of them. And if you dont know them, you can discover them within a
day or two by reading a few basic books. But, the million dollar
question is this, Will you be able to get yourself to incorporate them
and actually put them into practice?
The likelihood is that you will not. The great majority of people will
not and do not. Why not? Because of a central occupational hazard
for humanswe know more than we do. It is this Knowing-Doing Gap
that stands in the way of most of us. This is true for wealth building
as it is true for relationships, business excellence, fitness and health,
etc.
This is the problem with 99.99% of all the books, tapes, workshops,
and trainings in Wealth Building. While I love and read and use the
materials of the key players in the field of Wealth Building, there is
zilch in those books and trainings that actually enable people to
incorporate the principles, rules, and secrets. The feeling is always
left, If I just buy the next book, then I will get it! If I sign up for one
more training, then Ill get it! And I would not want to be the one to
blow the whistle on this or to suggest that these people and programs
might have a vested interest in getting you to do that, so I wont.
Ill just say this Discovering how to bridge the Knowing-Doing Gap
and learning how to truly implement what you know, how to take it
from Mind and put it into your Muscles this is the very heart and
the most unique thing that the Meta-States of Neuro-Semantics
offers. And when you know that then just about any expertise and
excellence can be yours!
Knowing How to Implement Knowledge is truly Inside-Out Wealth
When you know how to take great ideas, inspiration concepts, and
state-of-the-art models and install them into your very neurology and
make them your neuro-semantics, then you are 90% of the way to
any excellence or expertise that you want.
After all, the greatest knowledge and models and skills in the world
will do you squat if you dont use them!
The secret of wealth building that Napolean Hill, Dale Carnegie, the
authors of the Millionaire Next Door, Robert Kiyosaki, Suzie Orman
and many others emphasize that we have to first think wealth. This
highlights that wealth is built from the inside out. They have that part
right. Do what you Love and the money will follow is a general
concept in the right direction (general, but not quite fully adequate,
its missing some things).
Wealth is built from the inside out and we have to know how to get it
from our heads into our muscles. Thats the part that 99% of the
books and trainings miss. But now, in Neuro-Semanticswe include
that part.
Wealth thats holistic, balanced, ecological and inevitable begins with
a wealth of mind and emotion that glories absolutely glories in the
ability to see and create value, to create value first for self, then for
others, and then for everybody. It is this kind of true internal
abundance that cannot but explode externally with the actions that
add value and makes us valued everywhere we go.
Wealth is created by the entire mind-emotion-body, or neurosemantic, system which sees opportunities, seizes opportunities,
gives, enriches, has a grand time even when finances are tight.
Wealth has to start with an attitude of multiple states and meta-states
that come together to create a marvelous gestalt a gestalt that we
create in the Wealth Building Training thats based on the principles of
Internal/External Wealth. Its an attitude that uses the state of
frugality to squeeze all the good things about of everything that
doesnt need more and more money to be happy .. but that uses
happiness to make more and more money. Thats the frame. Hector
Quintana was at the training in Monterrey, Mexico (Feb. 2002) and
wrote this about the training.
These new feelings are awesome. I feel more energetic every day
and I also offered to some people I know to coach them for free in
order to help them develop belief changes like saving money
developing a business and gain a sense of joy when confronting
challenges without losing alertness in front of problems
He went on to describe several things he has already done at work
and with others in the joyful game of marketing valuable things to
others that has opened new doors of opportunity.
Wealth Inside-Out
The Wealth Building Training using Neuro-Semantics and NLP is a very
different kind of training. You will discover:
The Overall Strategy for Building Wealth in a Decade
The 12 Keys to mastering the Pathway to Wealth Building Mastery
How to get into the right States and Meta-States to make it happen
How to Dance with the Dragons that try to stop your success
How to build up a spiraling frame of mind of value and valuing that

will allow you to explode into a lifestyle of seeing and adding value
everywhere
How to become intentionally focused and sustain your motivation

after the Rah! Rah! dies down
How to play to your strengths and find the passion that you can use
to build your wealth.
In addition, you will begin to create your Ten-Year Wealth Building Plan
so that when you walk out of the training, you have the beginning
steps for your personal business plan. And, no excuses to get in your
way.
Warning!
This training can be very dangerous to your old excuses, sense of
being a victim, and your current skills of blaming and whining.
Dragons will be identified and slain. Excuses will be blown out. Disempowerment will be framed so that they become out of the question
for you. This is not a training for the faint of heart, it is for those who
want to live life passionately, purposefully, and fully. It is for those
who want to build wealth from the inside-out and who want to do so in
such a way that the wealth and the building of it is holistic,
ecological, respectful, and fun.
Original Description
Would you like to Learn the Secrets about Wealth Building??
Would you like to Learn how to Accumulate Capital & Make Money
Work For You?
Would you like to Stop being a Slave to Money & Step into the State of
Feeling Financially Independent?
You can! Having modeled the secrets of wealth building from those
who have achieved it and having researched the field of wealth
building using the tools and models of NLP and Meta-States, we have
found The Structure of Wealth Building Interested? and now have a
special training that can put into your hands the very secrets that
Millionaires use.
I doubt that youll be surprised to know that there truly is an Art to

the Magic of Attracting Wealth and developing Excellence in your
mind, heart, and lifestyle with regard to becoming wealthy. What
might surprise you is to learn how easy and simple it is to get these
secrets of wealth building installed in your muscles so that it becomes
your way of being in the world. Then, it will happen. Interested
now?
Actually, you probably already know a great many of the Wealth
Building Principles that if only you could get yourself to practice, it
would dramatically increase your ability to become financially
independent. Is that true for you? Its true for most people. Would
you like to develop the ability to actually use what you already know?
This actually makes up a big part of the Wealth Building Training, You
will learn how to set the kind of frames that will empower you to
follow through and implement your knowledge.
The Wealth Building Training also focuses on Alignment. How to
become aligned with your highest purposes and values. And when
that happens, it will build congruence, personal power, responsibility,
and motivation into you.
Are you ready to organize yourself for abundance? Would you like to
build a propulsion system in your mind-body that will automatically
move you in that direction?
We began this Modeling Project of Wealth Building from the realization
that we live in the land of opportunity. Given that, why do so few ever
achieve financial independence? What stops you from becoming
wealthy and accumulating the kind of wealth so that you can live
without financial worries? Why will 70% of the American population
end up at 65 years of age dependent upon the government and social
security?
Opportunity alone must not be enough. Something else is needed!
But what? The problem does not lie in the lack of the vital
information about how to make money or even how to develop
financial intelligence. Book stores and libraries, TV infomercials,
internet, etc. provides plenteous data about how to make lots and lots
of money. There is no lack of strategy. How to actually make money
via real estate, the stock market, investments, etc. abound.
Everything we need to know to become wealthy lies at our fingertips.
Opportunity and information about opportunity abounds. We have
plenty of vehicles for becoming Financially Independent. Thats not
the problem. The problem lies at a meta-level. The problem lies in
our attitudes, beliefs, understandings, and states. People
programmed for wealth operate from specific wealth building states.

Do you know what those are? Would you like to?
Programmed for Wealth
Lots of people do become wealthy in the USA. In fact, 80% of all

millionaires are self-made millionaires. So what are their secrets?
Suppose you wanted to set out to model their accumulation of wealth
strategy. What would you discover? Would you like in on the Secrets
that weve discovered? When I began this project of modeling wealth
building and accumulation, I assumed I would need to do lots of
interviews in fleshing out the data of this research. But no. I
discovered that many others have already conducted the interviews
of those who had become wealthy. Researchers have even conducted
longitudinal studies following those who wanted to become rich. They
have even pulled out those traits, beliefs, ideas, habits, etc. of those
who succeeded in the process and compared that to those who did
not succeed.
The Secrets Behind Wealth
Wealth Building grew out of our research and offers you the secrets,
strategies, and meta-level structures of beliefs, values and
perspectives that will enable you to replicate the very structure that
has proven successful for those who have become wealthy
millionaires and financially independent.
In this training we will not focus on the details about how to make
money in a particular area. Instead, we give you the higher level
structures of mind and heart to develop the kind of enhancing
relationship to money and the creating wealth process so you can
follow your passions and let the money follow.
Discover your current programming about wealth, money, and all of
the associates concepts that either promote or sabotage wealth
building. Do you have all of your levels of mind organized for wealth
and success as you define it? Would you like to construct that kind of
framework? This training will address numerous facets inside you that
powerfully affect your strategy for wealth and success:
Beliefs about self, success, & money: transforming limiting beliefs.
Aligning values & meta-levels to eliminate any self-sabotage and

internal conflict.
Installing a Propulsion System as an Accelerated Motivation for

reaching goals for wealth.
Developing positive money attitudes that will support you in a

balanced way.
Presenter/Modeler
Wealth Building as a Workshop was developed by L. Michael Hall,
Ph.D. using the modeling technology of NLP (Neuro-Linguistic
Programming) and the latest model of Neuro-Semantics and MetaStates. Dr. Hall has explored the research in this field and made it
available in an extensive Training Manual on Wealth Building used
exclusively in the Wealth Workshop.
In this Workshop You will Discover
In the study of the Structure of Wealth we have discovered that some
people just seem to have a nature knack for making wealth,
experiencing wealth, thinking in wealthy ways, having a wealth of
ideas, experiencing wealthy emotions. They live their lives in a way
that seems rich, full, complete, satisfying, enhancing, empowering,
resourceful. What gives? How can we learn to replicate what they
do? In the workshop, you will find out!
Youll learn a holistic approach to wealth as abundance in many
dimensions of life: mind, heart, finances, relationships, creativity,
etc. You will learn how to adopt a wealthy perspective so that you do
not sell your soul for money to the detriment of your relationships,
health, happiness, etc.
Wealth, from weal, refers to abundance of supplies, possessions,
and resources. It speaks of affluence, abundance. The original term
weal refers to being in a sound, healthy or prosperous state, wellbeing.
Learn how to install Meta-Patterns and Meta-Frames that will open

your eyes to all of the wealth thats all around you.
Learn how to come away from the training with a new attitude about
money.
Learn how to install a Propulsion System inside yourself that will take
you straight to your money goals.
Learn how to create your own Personalized Wealth Plan so that you
will have a specific plan to focus on when you leave. This is the central focus
of the workshop and has been designed so that you can walk away and
begin making your financial dreams come true.
Learn how to build and implement the kind of supportive states and
meta-states that will support and enhance your ability to handle all of the
key factors involved in wealth building.
State Management is Essential in Wealth Building

Dont believe me? Then consider the people who can make lots of
money, but cant keep it due to impulsive spending or the inability to
save. Or, consider those who can control their spending and
gambling habits but sabotage their ability to take risks, extend
themselves, smartly invest, etc. Consider those who let fear sabotage
investment.
Take the time and learn the Meta-Skills to build your Wealth,
not only in terms of dollars but in terms of Sense!
Attend this workshop and gain in Wealth Mastery!
Wealth planning always seems overwhelming, too much to tackle at
once, but now, with this training in Meta-Money, I can make progress
with very small steps and with more intensity.
Christine Smith Jany, NY City
I experience this training as very high powered. Dr. Halls
comprehensive genius has reconstructed NLP from scratch. The
training has released me from several major dragons that have kept
me from working towards my dreams. One key impact was getting me
to be clear about what I really want.
Khalil Rohoman, NY City
Once again, Michael Hall has taken his powerful mind to this area of
vital importance the creation and maintenance of growth of money. I
found his research in this area very impactful.
Ruth Roosevelt, Consultant to Traders
I found the very idea of Meta-States and their usefulness in creating
changes very powerful.
Stanley Cunningham, NLP Trainer
I never understood the value and importance of frugality. Frugality is
good! Making mega millions is honorable and worthwhile for the good
that can be done with the money.
Delores Brown
The shift to a Wealth Building Map with a mighty Yes is powerful. I
will let you know in the weeks to come the effect of this program.
Tod Frueh
Superbly clarifies what wealth is and is not, while filling the toolbox
with basic equipment for building wealth.
Russel Ketch, Engineer
This training has given me the tools to improve and change the way I
deal with my finances. I now feel I can change my states to
accumulate wealth.
Bill Jany, Salesman
Training in Wealth Building and Selling Excellence Overview
Training in Wealth Building and Selling Excellence

TRAINING IN
WEALTH BUILDING EXCELLENCE
TRAINING IN SELLING EXCELLENCE
As Overview
Developed and Presented by
Developer of the Meta-States Model
The NLP & Meta-States Accelerated Learning Technique

Learning from the Experts
An Inside Look at
Modeling Excellence
using NLP & Meta-States
When it comes to quality performance, high level expertise,
excellence in specialized fieldstheres no lack of examples and
models. Whether by hard work and learning, whether by accident and
osmosis, whether fated by genetic predispositionin todays world
there are marvelous and fantastic examples of excellence, expertise,
and genius all around us.
So, How Can I Get Some of this Good Stuff?
Well, perhaps you could put yourself through the very same
experiences, schools, hard knocks, accidents, and inherent the same
genetic predispositions of those experts.
Nope. Forget that. That holds little hope.
What about finding the structure the form and shape of that piece
of excellence and replicating it in ourselves? What about modeling the
expertise and then customizing it for our thinking, emoting, speaking,
and behaving?
Great idea!
And that is precisely what modeling excellence using the NLP and
Meta-States model is all about.
Sure, it is a lot more complicated than that, but thats its essence.
Regarding Sales and Wealth Building, we have spent the past couple
years finding the best and researching the data about what the best
think, believe, feel, say, and do and we have packaged the structure
of their expertise using the step-by-step modeling processes in NLP
and Meta-States. From this has emerged a formula, a process, and a
training format by which we can begin to replicate the structure of the
magic so that others can reproduce similar feats of excellence.
What does our Training Program Differ from Other Programs?
Great question.
In both Selling Excellence and Wealth Building, we have approached
the installation of skills from a modeling perceptive.
For those in Sales, this means that Selling Excellence is not a Pep
Rally. It is not entertainment, Ra-ra motivation, high intensity, high
drama, or quick easy to remember formulas or any of the other things
that we typically associate with Sales Training. As you probably
already know, that type of approach is great while your there, but
usually doesnt carry over when you are cold calling, hitting the
streets, discouraged with cancellations, etc.
Instead, Meta-Selling goes in an entirely different direction.
Selling Excellence looks at the structure of what makes the experts
great. What principles and laws of relating, communicating, selling,
etc. do the Pros know and use that guide their behaviors? What do
they believe and value? What mental and emotional states to they
operate out of? What empowers them to be so congruent, focused,
clear, decisive, charming, etc.?
Because selling is predominately an expression of Applied Psychology
sales involves not only the psychographics of the buyer, but also of
the sales person. And this highlights the ultimate sales job that any
and every sales person facesselling him or herself. An unsold sales
person will find sales a tough profession. Conversely, the person sold
on themselves, the services and products that they offer will find it a
passion that they easily become absorbed and captivated by.
Meta-Selling invites the sales professional to rise above the details of

selling to work at a higher level of awareness.
This empowers one to refine, tweak, and program ones orientations,
style, and skills from a higher level. It empowers one to develop and
install the kinds of frames of reference that bring out ones best. And
learning to work at a meta-level also results in higher level skills in
facilitating a buyer through the buying process.
The Scoop on Wealth Building
From the time when Napolean Hill began modeling the wealth building
of Henry Ford and Andrew Carnegie, we have known that one of the
secrets of wealth building has involved thinking in rich and wealthy
ways, that is, of developing a mindset and orientation toward wealth.
But in recent decades, research in this area has revealed many more
secrets and some very surprising, paradoxical, and unpredictable.
One of the myths that the co-authors and co-researchers of The
Millionaire Next Door revealed concerns what the typical self-made
millionaire looks and acts like. Typically, he or she will drive a threeyear old car and not a new one, will shop at Sears, and will not
display the signs and symbols of wealth. Those who do that all to
often only spend their way to debt and stress.
Wealth building also involves some very special states of mind-andemotion, states that result from the principles and laws of wealth,
finance, saving, etc. Thats why making the meta-move to a higher
level enables us to model the very structure that makes wealth
building possible, reachable, and practical.
Meta-Wealth therefore focuses on understanding and transforming
the principles into neuro-linguistic states, on changing mind,
reforming beliefs, aligning values, and developing a passionate plan.
Modeling Abundance
The Structure of Synergy Applied to the NLP Community

Whatever Happened to Abundance?
Did the Scarcity Meme Gobble it Up?
As you look out onto the NLP community does it strike you (as it
does me) that we have an abundance of the Scarcity Model and a
Scarcity of the Abundance Model? We talk about, and even
presuppose, a Model of Abundance, and yet as a community we seem
to live and act more according to a Model of Scarcity. What gives?
How do we explain this? And even more important, what can we do
about it in order to get Abundance Mentality more and more into our
way of being in the world and recognized as the very spirit of NLP?
When NLP first burst upon the scene, Grinder and Bandler spoke
about operating from a model of the world that presupposed
abundance rather than scarcity. This attitude, in fact, set NLP apart
from most of the other models of human beings and human
functioning. Now I dont know where precisely they picked this up
from, but I would suspect they got it from Satir or Erickson with their
abundant attitudes of possibility, optimism, options, and flexibility.
And they may have also picked it up from Bateson who wrote
extensively about systemic processes and the abounding emergence
of new properties.
Now some theorists might want to argue that scarcity has deep roots,
even deep blood, in our very nature. They might want to argue
that we have evolved successfully by adapting to scarcity and so we
inevitably default to a competitive Win/Lose style. Such genetic
determinists would reason we fall back to Win/Lose competitiveness,
beating out a competitor, operating from scarcity, etc. as part of our
genetic heritage. Evolution has made win/lose, scarcity,
competitiveness, etc. our natural default program.
Personally, I dont believe that. It seems to me that at best, the idea
of scarcity exists as a meme (a culturally transmitted idea) rather
than a gene in our species (see Mark Furmans articles on Memes, July
and August, 1998). And if our race has experienced scarcity of
resources and unmistakable universal experience of the Win/Lose
mentality (as it surely has over the centuries and millennia), it only
makes sense that a meme on the order of Survival of the Fittest,

Theres only so much of the pie to go around, Every time someone
wins, someone else loses, etc. has developed as a model of the
world. Aristotelian either-or thinking would have further supported
this idea.
The Price We Pay for the Scarcity Meme
The idea of scarcity, as a basic model of the world, has further
infected (as a toxic virus) many of the most important fields of human
concern. In the area of negotiation and conflict resolution, it sets the
frame that resolution will involve some kind of compromise or
submission. In the area of economics, management, and leadership it
leads to one-up-manship games, hostile take-over of companies,
strikes, lock-outs, management-labor hostilities, Wining by
Intimidation, etc.
Personally and interpersonally, scarcity seeds such ideas as
tightening the belt, passing laws to limit growth, distrust that others
will get too much, resentment when someone else wins or
succeeds, competitiveness against colleagues in the same field for
their promotions, refusal to share the newest ideas, refusal to quote
or recommend colleagues, the lack of a collegial attitude, lawsuits for
resolving conflicts, etc.
The high price for scarcity also includes a whole range of ego games
that we play in a bid for gaining some advantage over others. This
sets up antagonisms rather than co-operations, it sets up a critical
attitude rather than a supportive one.
The Structure of Abundance
Suppose we decided to apply our own model (NLP) to understanding
the presupposition of abundance. As we do this, we would
undoubtedly begin by meta-modeling the terms abundance and
scarcity.
When we examine the term abundance, what do we find? Certainly
not a noun (a thing) or verb (action, process). We rather have a
nominalization with an underlying hidden verb, to abound. Hence,
to experience an abounding of resources.
As such, this process term speaks about a set of relationships and so
we also have an Unspecified Relational Term.
What is abounding?
In what way does it abound?
From what (or whom) and to what (or whom) does it abound?
According to what standard and criteria does it abound?
And while were at it, we could similarly meta-model the term scarcity.
Scarce in what way?
Scarce according to what standard and measured in what way?
What specifically are the perceived scarce resources that we must
fight for?
Can we increase the scarce resources?
Kinds of Abundance
Abundance, as a relational term (hidden inside a nominalization)
speaking of a process of abounding may also refer to various kinds of
abundances. This means that in this term abundance we have a
multiordinal term. This cues us to recognize that its meaning depends
upon its level of abstraction or context (Korzybski, 1933; Hall, 1998).
1) It may refer to a static kind of abundance: a large inheritance, an
abundant corn field, a lush peach tree with abundant fruit, etc.
Tangible things.
2) It may refer to a dynamic kind of abundance. This would include
any kind of abundance that has a self-renewing kind of internal
process: a living field or orchard that we could work and nurture to
make more and more fruitful, a creative mind with abundant ideas,
etc. Tangible processes.
3) Or it may refer to a systemic kind of abundance. Here we have
ever-increasing abundance with every feedback loop in the system.
Every time the system (whether a mind, a team of people, a
company, couple) acts and interacts, more resources get fed back
into the system, thereby enriching the system even more. Intangible
processes.
The Strategy Within Systemic Abundance
The conceptual and personal strategy that brings forth abundance
interpersonally depends upon the attitude or state of trust to drive it.
It necessitates first of all that we trust in the concept of abundance,
that we trust in others that they operate primarily from positive
intentions, that we trust in the process of abundance that
abundance will emerge, that we trust in ourselves as having the
coping skills to deal with the lack of trustworthiness, etc. And that we
trust in that from out of this overall experience, we co-create the

experience of abundance.
Conversely, distrust creates the concept of scarcity (the scarcity
model), the perception of static and limited resources, that others
operate primarily from selfish agendas, that the Iron Rule
predominates, etc. Both function as self-fulfilling prophecies.
Typically, then, when a person operates from scarcity, he or she has
had experiences of distrust, disloyalty, betrayal, etc. Out of such
experiences, they mapped the world in terms of scarcity.
In a work on conflict management and resolution, Hocker and Wilmot
(1974/ 1991 3rd. Edition) speak about abundance and scarcity as
systemic and relational processes. In terms of the influence people
have in relation to each other (power). As a result, they describe
how power becomes an emergent property that abounds for all
parties.
Both parties can increase their power at the same time. A thorough
understanding of interdependence makes this clear. If John and Sarah
are dating and decide to live together, they both increase their
dependence on one another. as John becomes more dependent on
Sarah, Sarahs power increases. Likewise, Sarah becomes more
dependent on John, thereby increasing his power. When two people
elevate their dependence on one another, BOTH increase their
sources of power. Each one expands his or her currencies valued by
the other. Therefore, power in enduring relationships is NOT finite it
is an expandable commodity. The real question isnt the singular
amount of power each one has, but the balance between them.
(p. 82, italics added).
We have power over people and they over us because our social
relationships means that we are interdependent we influence one
anothers ability to attain goals. Furthermore, the degree of power is a
function of the comparison of the dependence the two parties have
on one another. And the degree of dependence is a product of ones
investment in the goals the other can mediate and the number of
other avenues available for the attainment of those goals. (p. 82,
italics added).
What enables the sense of power to increase for all parties? How does
this process work? It occurs when both parties work from clearly
identified goals (having well-formed outcomes). Such clarity itself
from well-formed outcomes grants visionary power (a sense of
control) to each person. Next, each party makes him or herself
vulnerable to the other by presenting the awareness of what they

want, what need from the other, and their sense of dependence on
the other for the accomplishment of their goal. As both parties do
this, each empowers the other and thus it also makes abundance
possible for both of us. As you become more powerful (influential)
in my experience, and I become more powerful (influential) in yours, a
systemic property emerges we experience a much more abundant
relationships. Synergy occurs.
Thus, the more A depends on B and B on A, the more each becomes
invested in the other and that, in turn, allows each to become more
Important (valued) to and by the other. And inasmuch as power
refers to the ability to influence anothers ability to reach his or her
valued goals, this increases the power of each person. Each person
becomes more powerful in the eyes and experience of the other.
Power increases (becomes more abundant) then through the
surprising means of each party becoming more dependent through
inter-dependency and vulnerability. Yet to walk into such open
disclosing necessitates taking the risk of trust.
Lets run the same pattern on another intangible process. Consider
the abundance of the experience of love as a systemic inter-action
between people. The more John loves and expresses his love in ways
that count for Mary, the more love John has to give. He will never run
out. In fact, the more he gives to Mary, the more Mary has received
and also has to give back.
This illustrates the nature of intangible processes. They come into
being (emerge) from the very process of expressing them. This
explains why we can describe them as unlimited resources, and not
as limited resources. The same applies to the distribution and creation
of wealth in economics, respect and honor in interpersonal
relationships, appreciation and status in businesses, creativity and
new ideas, etc.
Bob Bodenhamer speaks about this idea of abundance (as a highly
desirable meme to contribute to our world) in terms of a metaphor.
Ive heard him use it repeatedly. In his North Carolina accent he says,
When the tide comes in all ships in the harbor rise equally.
Hocker and Wilmot (1974/ 1991) have applied abundance thinking to
negotiating in the following words.
If you stick firmly to a collaborative approach, you will find creative
options that someone with a competitive approach simply would not
find. Creative options often become available (Fogg, 1985) but unless
the negotiators believe it is possible and do the hard work to jointly
produce those options, the negotiating will begin and end on a winlose footing. (p. 221).
The mental set then that we use as we think about negotiating and
relating determine to a large degree what we will see and create. Our
mindsets of either abundance or scarcity then establish a meta-state.
Basically, cooperative and competitive climates are self-reinforcing
competition encourages more competition and collaboration brings
collaboration in return (p. 223).
Identifying and Getting a Push Away From Scarcity
Most of us (if not all of us) have been deeply contaminated,
indoctrinated, programmed, and affected by the Scarcity Model. It
exists as deeply within our history as a race. And most of us
experienced it for years as young children in school and on
playgrounds. Now fully elicit any thoughts, representations,
references, emotions, etc. that may indicate its presence in your
thinking and emoting.
When I think about people in general or colleagues in my field in
particular, or the business opportunities before me, I sense that
1)
2)
3)
4)
5)
6)
Theres not enough for all.

Theres a limited amount of the pie
I need to show my superiority over others.
Get what you can when you can.
Nice guys finish last.
Lets work as a team and well generate more for all.
Now elicit all of the reasons and values for developing more and more
of a propulsion away from the scarcity model. To do this, first examine
the high price you pay for operating from the scarcity model. (When
you do this, youre building a propulsion system in your personality
from Scarcity and toward Abundance.)
1)
2)
3)
4)
5)
Feel inferior/ superior to colleagues

Constantly judging whos ahead, biggest, better, etc.
Feel lessened by the success of my colleagues
have difficulty cooperating or collaborating.
Filter everything through your own ego, self-value, and dignity.
Now list all of the problems, head-aches, and undesired results that
you have actually experienced from using the Scarcity Model as your
operation frame. Given these understandings of both abundance and

scarcity, I have presented a contrastive analysis of these two ways of
viewing the world in Figure 1.
Figure 1
Comparison Chart of Two Models of the World
Scarcity Model
Abundance Model
Desired Objects:
Limited amounts &

quantity
Abundant quantities,
Plenty
Meaning:
Deficient in quantity,
not plentiful
not sufficient
Ample, overflowing
quantity
To abound, plentiful
Style:
Competition
Grabbing/ Stingy
Keeping Secrets
Trying to get an
Advantage over
Cooperation
Collaboration
Giving
Mutual Disclosing
Nature:
Static Worldview
Dynamic, Systemic,
Things Emerge
Attitude:
Win/Lose
Adversarial
Win/ Win
Colleagues / Collegial
Relationship:
Distrust, hidden
agendas
Power Over
Threaten by success
of others
Ego maneuvers
Conditional Selfesteem
Fear of the other
Dis-value of the other
Trust, Disclosure,
Vulnerability
Power With
Enriched by success of
others
Not about Ego at all
Unconditional Selfesteem
Desire for the others
welfare
(Love, agape)
Value of the other
Total Independence
Individualism
Get all of the Pie I can
InterDependence/Team
work
Aim:
Community
Share the Pie & Expand
the Pie
The Abundance Pattern

A pattern for providing more opportunity for abundance. The following
steps allow us to install within ourselves the Abundance Map.
1) Fully represent abundance. What VAK pictures, sounds, and
sensations come to you as you think about the idea of abundance?
Generate a movie for yourself of what you see, hear, feel, and say as
you move through the world operating from abundance. Make this as
vivid, dramatic, and compelling as possible.
2) Identify the supporting beliefs, values, frames, and metastates for abundance. What beliefs support this state of abundance
for you? What beliefs about yourself? Others? The world? The process
of collaborating? What values? What identify beliefs? What other
frames of references? What meta-states?
3) Access a Supporting Meta-State of Self-esteem. To prevent
yourself from stepping out of the Abundance Frame and into the EgoConcerned Frame, access fully and completely a strong meta-frame
of self-value, worth, and dignity one totally independent of your
behaviors, one totally unconditional. Use this My esteem and dignity
is a given frame in order to avoid getting sucked into a oneupmanship spiral.
4) Contrast your Abundance Frame with your current model or
with the Scarcity Frame. Note how you represent scarcity and
compare that to your representations of abundance. Turn down and
de-energize those representations let the pictures fade out, the
sounds get further away and more quiet.
5) Step into the Abundance Frame fully and imagine using it as
your way of thinking, feeling and acting in the world. Future pace
yourself tomorrow, next week, next month using various contexts
(work, personal relationships, hobbies, friends, etc.).
6) Check for any remaining objections. If you find any, answer
them by establishing some higher frame or state that effectively
answers it or that allows the installation of the abundance frame.
Treat every objection as legitimate and important. Inquire of the part
of you that doesnt want to release Scarcity as to its fear or concern.
Then respond to it appropriately by building in various safe-guards.
For example, you may want to build in a temporary time-frame.

Well do this for a week or a month and then check to see how this
works. You may want to build in some good personal boundaries. To
stay alert to anyone who may want to take advantage of me because
of my collaborative spirit, Ill keep aware of anything that seems
disadvantageous to me and not mutual.
7) Make an Enhancing Decision to Commit Yourself to Living
by Abundance. Go to a meta-position and grant yourself permission
to fully accept and commit yourself to Abundance. As you observe
your representations of Abundance, say Yes! to it, as you observe
your beliefs and values of Abundance, say a strong confirming Yes!
to those meta-frames. (See The Meta-Yes & Meta-No Belief Change
Pattern, Bodenhamer, Anchor Point, May, 1998).
Conclusion
Whatever happened to abundance? It depends. What relationship
have you decided to take toward the idea of abundance? Will you use
this as an NLP presupposition and enhancing Resource State? I hope
so.
Not only can we develop healthier and more respectful attitudes
about each other that reflects a Model of Abundance, but as we do we
step into a frame-of-reference that allows us to explore new and
unthought of ways for expanding the pie. When we operate in the
world from a perception of scarce resources, we compete and engage
in antagonistic relationships. When we realize that we can expand
resources we have moved to a meta-level state of resourcefulness
that gives us the power to create the abundance we have mentally
mapped for ourselves and others.
References
Bodenhamer, Bob. (1998). The Meta-YES and NO Pattern. Anchor
Point, Volume 12, No. 6, June, 1998, pp. 20-25. Salt Lake City, UT:
Anchor Point Productions.
Fogg, R. W. Dealing with conflict: A repertoire of creative, peaceful
approaches. Journal of Conflict Resolution 29 (1985): 330-358.
Furman, Mark E. (1998). Marked for Death: NLP and the Behavior of
Information. Vol. 12, No. 7; July, pp. 27-33 Manufacturing Reality,
Vol. 12, No. 8; August, pp. 34-40), Salt Lake City, UT: Anchor Point
Productions.
Hall, L. Michael (1995). Meta-states: Self-reflexiveness in human
states of consciousness. Grand Junction, CO: ET Publications.
Hall, Michael L. (1998). The secrets of magic: Communicational
excellence. United Kingdom: Crown Publishing House.

Hocket, Joyce L.; Wilmot, William W. (1971/1994). Interpersonal
conflict. (3rd. edition). Dubuque IA: Wm. C. Brown Publishers.
Korzybski, Alfred. (1941/1994). Science and sanity: An introduction to
non-Aristotelian systems and general semantics, (5th. ed.). Lakeville,
CN: International Non-Aristotelian Library Publishing Co.
Author
Michael Hall, Ph.D. now travels and trains internationally in MetaStates, author of numerous NLP works, most recently The Structure of
Excellence, The Secrets of Magic, Sourcebook Of Magic, and Figuring
Out People. P.O. Box 9231, Grand Jct. Co. 81501.
http://www.neurosemantics.com
Everything you need about Building Wealth.

by Adam Sicinski
MICHAEL PHILLIPS
Money will come to you when you are doing the right thing.
Are you lost in the rat race?

If you are like the majority of people, then its most likely you are
encapsulated within a reality that is known to most as the rat race. The
rat race was a term used to great effect in the now very successful series
of books written by Robert Kiyosaki entitled Rich Dad Poor Dad. Within
this series of books Kiyosaki points out how many of us are trapped within
a rat race, where we go through a cycle of weekly and daily struggles that
never seem to end. We are teased with promises of quick and fast
money, however for most of us this only leads to a dead-end of false
promises and lies. It just seems as though there is no pot of gold at the
end of the rainbow.
This wealth management IQ Matrix will not earn you an abundant amount
of money over night. Instead it is based on sound principles that have
helped people to create long-term and long lasting wealth.
Throughout this discussion we will talk about creating the ideal wealth
mindset, we will touch upon some sound principles to get out of a debt
crisis, we will pinpoint some effective wealth building strategies that will
get you focused and moving on the right track, and finally we will identify
what components create a poverty stricken mindset, and what we must
do to avoid locking ourselves into this way of thinking and behaving.
Please use this information only as a tool to guide you along your
journey towards your financial objectives. Please also seek the
guidance of a professional financial planner to further clarify the
points presented within this article post and mind map.
The Wealth Attraction Mindset

No wealth building strategy would be complete without a discussion of the
mindset that naturally and easily attracts wealth on a daily basis. We will
begin with a discussion about the wealth mindset because it lays down
the foundations for everything that is to come. Without the right way of
thinking, acting and believing, it is very unlikely that you will build longterm and long lasting wealth no matter what strategies or tactics you
utilize.
Our mindset is an absolutely critical component that we must develop and
improve upon on a daily basis to naturally align ourselves with the
process of attracting more money and abundance into our lives. Hopefully
by the end of this discussion you will come to understand the ingredients
that make up the mindset of the rich and poor, and as a result you will
alter your thinking, beliefs, habits and behavior accordingly to help you
reach your desired outcomes.
The Characteristics of Frugality

Dictionary.com defines the word frugal as:
Economical in use or expenditure; prudent saving or sparing; not wasteful;
entailing little expense; requiring few resources .
In short, it basically means that you live a life well within your means.
Those who built their wealth over an extended period of time, are often
not big spenders but rather tend to live their life frugally. Living frugally
involves specific ways of thinking and some simple yet effective action.
A frugal personality always negotiates better prices.
A frugal personality always focuses on their net worth.
A frugal personality creates a budget plan and sticks to it.
A frugal personality does not buy designer made clothing.
A frugal personality makes purchases using cash.
A frugal personality buys in bulk wherever possible in order to save
as much money as possible.
A frugal personality does not purchase a brand new car.

Finally, a frugal personality marries a frugal spouse who is
responsible, loving, supportive, capable and honest.
You must therefore look for as many ways to save, to reuse things, to do
more with less, to avoid following the lavish expenses of your neighbors
and friends, and to get the most out of every dollar that you earn. Living
sparingly, and investing wisely is the key to a frugal mindset and way of
life.
An Indispensable Attitude to Cultivate

A wealth attraction mindset always proactively controls their life and
circumstances. They create and control their life in ways that brings
greater stability and security for the long-term. They are not swayed in
their decision making by the crowd. Instead they aim to follow their own
path, to create their own plans that are built around their deepest
passions and desired outcomes.
A wealth attraction mindset also understands that the crowd mentality will
always react to events and circumstances. This mentality leads to
impulse shopping and spending, it leads to emotional management
problems and ill-fated decision making.
More Indispensable Characteristics

A wealth attraction mindset also cultivates the characteristics of gratitude,
discipline, self-sacrifice, hard work and an innate passion for living a full
yet well managed, rounded and grounded life. They cultivate and grow
these characteristics at every opportunity they get. And it is these
characteristics that provide the foundations for strong habits that naturally
build long-term and long lasting wealth.
Setting Clear Wealth Goals

Goals are critical and important aspects when it comes to building longterm success in business and in life. When it comes to growing long
lasting wealth, goals become ever so important as they provide you with
a carrot stick that is dangled out in front of you as you are progressing
along your financial journey towards abundance.
Yes, indeed we are very much like donkeys, and we therefore need both
long-term and short-term goals that will motivate us and propel us forward
no matter how difficult the road ahead may get. The only difference is that
your carrot stick is always within your reach and under your control. There
is no one sitting on your back going for a ride. It is just you, the world and
the temptations/opportunities that present themselves. This is where selfdiscipline comes into the picture and becomes one of the most
indispensable characteristics towards helping you build long-term wealth
and abundance in your life.
Ask the Right Questions and the Answers will

Come
It seems no matter what topic we discuss that we always mention the
importance of having the ability to ask effective questions.
When it comes to building wealth, questions are no doubt the keys that
open the doors to many abundant opportunities. However, we must first
come to a realization that questions must be asked. Once we accept this
realization, we must then discover means and ways to ask the most
effective questions that will stimulate efficient creative thought to bring
forth the answers that we are after.
Create a set of wealth creation questions that you will ask yourself on a
daily basis. Some examples include:
How can I earn more money this week?
How can I earn a passive income while I sleep?
How can I earn an extra $20,000 this year?
Focus on how questions over why questions. How questions will stimulate
creative answers, while why questions usually only stimulate an ever
growing list of excuses.
Indispensable Wealth Creation

Habits
Once you have cultivated the wealth building characteristics into your
personality and lifestyle, it will be naturally easier for you to develop some
key critical wealth attracting habits that will keep you on track and moving
in the right direction towards your financial goals.
Paying Yourself First

The habit of paying yourself first will help you to prioritize what is most
important in your life. However, keep in mind that paying yourself first
does not mean spending your money. It rather means investing this
money into the appropriate wealth building buckets we will discuss a little
later.
Delay Gratification
Delaying gratification is another essential habit that will keep you under
control and in charge of your financial decisions.
It is so easy for us to be influenced by advertisers to purchase items that

are digging us into an ever deeper ditch of financial burden. Always
control yourself, your emotions and your expenses. Dont get sucked into
making emotional purchase decisions that you know you will regret.
As a strategy, always delay making a purchase decision until you go
home and have a good long hard think about it for a few days. Talk to
your most frugal thinking friends and ask them to justify why you shouldnt
make this purchase.
Focus on What You Want

Another habit that you must cultivate is the habit of focusing on what you
want. Always focus on the things that you want that will have the greatest
impact on your future long-term financial success.
And finally, get into the habit of being patient with your money because
often things dont happen over night, and often you must work diligently
and think strategically in order to experience the wealth and abundance
you desire to have in the future. Be patient and all will come.
Indispensable Wealth Creation

Beliefs
There are quite a number of beliefs that we could discuss here that will
assist you in building a wealth mentality. However, for the purpose of this
discussion lets touch on two of them.
Expect to be Rich
You must expect that you can and will be rich. Expect that riches will
come to you by following these sound strategies on a daily basis.
No Limits in Your Ability

You must believe that there are no limits to what you can do. You are in
full control of your life and destiny, and you will therefore bring anything
you imagine into reality. However bear in mind, that anything you
imagine might not come about the way you imagine it be. So be wary
of this, be patient, apply what you learn on a daily basis, and things will
eventually go your way most probably in unexpected ways that you

may not even have imagined were possible.
How to Dig Your Way Out of Debt

The statistics are staggering when you consider that the vast majority of
people are riddled up to their necks in debt. It is so easy for us to get
caught up in the spur of the moment when our emotions just overwhelm
our intellectual decisions. However, there is no need to regret the days
gone by, or the ill-fated decisions that have lead to this moment of your
life. What we must do instead is learn from our past mistakes, and work
today to effectively manage and pay off our debt once and for all.
Once you have successfully adopted a strategy to reduce and pay off
your debt, only then will you be ready to move onto wealth building
strategies that will grow and compound your money.
Here are a few debt management suggestions to get you started along
your journey towards a debt free life:
Get on Top of Your Debt and Track Spending

The first place to begin when it comes to taking control of your debt is to
determine what you owe, how much you owe, and to whom you owe
it. Once you have moved through this step, your second task will be to
develop a means to track your spending. Simply create a system and
process of how you will be tracking how much money you are
spending, where you are spending this money, and what you are
spending it on. Only after these steps are fully complete should you
move on to the next stage of debt reduction process.
Negotiate Your Credit Card Interest and

Repayments
Visit all the banks, people and institutions that you owe money to and
negotiate better interest rates and lower monthly repayments. You may be
surprised how flexible some of these banks and institutions are if you are
honest in presenting your case about your current financial
circumstances. Remember, that everything is negotiable for the smart and
savvy person. Once you have negotiated down the lowest possible
repayments and interest rates, you are then ready to move onto the next
step of the debt reduction process.
Consolidate Your Debt

Take the lowest interest bearing credit card (including monthly
repayments) you negotiated within the previous step, and identify the
process you could take to consolidate your entire debt onto this card.
Speak to your financial institution or bank as they may have low interest
introductory credit card offers available when you transfer your debt over
to them from another financial provider.
Live a Fulfilling Frugal Lifestyle

Again we touch upon the subject of frugality as it is one of the most
important fundamental aspects of long-term financial wealth.
Here are a few more suggestions for living a frugal lifestyle that will at the
same time assist you with reducing your levels of debt.
Create a Weekly Budget

Create a weekly budget and stick to it rain, hail or shine.
Become a Savvy Shopper

Become a savvy shopper who makes purchases based on price rather
than on brand perception. Look for specials and negotiate better prices at
every opportunity you get.
Once you have completed your discount shopping adventure, simply
return home and spend some pleasurable time in the kitchen churning out
a sumptuous home cooked meal that will wet the appetite. By cooking
and eating from home you will effectively save at least half the money you
would normally spend on eating out.
Make Purchases with Cash or Debit Card

Make purchases only using either a debit card or with pure hard cash.
Get into the habit of keeping cash in your wallet and using only this
money to make your purchases. By spending only what you have and
nothing more, you will set yourself on track towards ridding yourself of
your debt.
Eliminate Unnecessary Expenses

Eliminate all unnecessary expenses from your life. Unnecessary
expenses simply dont fall under the category of needs. Ask yourself
before you purchase something:
Is this something that I need?
Or is it something that I just want and can do without?
By being careful with what you spend your money on, and by following
these simple guidelines, you will have more money at the end of the
month left over to pay off the repayments owing on your credit cards and
other liabilities.
Find Ways to Earn More

Simple, yet effective. There are always opportunities out there to make a
little extra money that can go into paying off your debts. Look for these
opportunities, however be very careful not to dip your feet into get rich
quick schemes that ask you for a financial investment with a little time and
effort.
If you are neck high in debt it is probably easier to look for a stable source
of income that can guarantee you the highest possible hourly wage. Keep
your eyes open and always add more value to what you do. In this way
people will credit you for your work and as a result you may end up
earning more in less time.
Wealth Building Strategies

The following wealth building strategies are not designed to make you
rich and successful over night. Instead they present some sound and
grounded principles that will progressively build your wealth over an
extended period of time. Patience, discipline and dedication towards
learning and implementing these strategies on a daily basis will be the
factors that will make the most difference to your long-term financial
success.
Take Charge of Your Income

By now Im sure we all understand how important it is to take charge of
our expenses. Here for this step, it is also very important to take control of
your income earning ability. It is critical that you track where your money
goes, and that you spend less than you earn. However, it is even more
important to value your worth and time.
If you give more, than you should receive more. Simply ask for a raise if
you sincerely feel that your efforts deserve to be rewarded. You must
however be confident and secure in your own ability to negotiate your
worth no matter what obstacles stand in your way.
Take Charge of Your Investments

Many of us are so caught up in the idea that we need to have a lot of
money before we can start investing. This simply isnt true. In fact, you
can still be in debt and make money through the right investment
opportunity.
Compound Interest
Begin first by utilizing compound interest to your advantage. For example,
put aside money into a high interest bearing account on a weekly basis.
Over time this money will grow and provide you with a low risk high return
investment on your hard earned dollar.
Invest with Experts

If you are going to invest, make sure to invest with experts, with people
who have a proven track record of success within the investment sector
that you have chosen.
Invest in Assets
You should only be investing into assets and taking calculated risks that
are within your means. Speak to your financial advisor for further
information.
Use the Wealth Bucket Principle

The wealth bucket principle is a simple means of managing your income
that will provide you with long-term security; open up the possibility for
quick earnings, while eventually guiding you towards the affluent lifestyle
you have always dreamed of living. However, be warned that this strategy
requires diligent effort and discipline. There may be times when you could
be tempted to try and cheat by taking shortcuts, and the moment you do,
could be the moment the buckets crack open and threaten your financial
security.
Lets quickly discuss what the wealth bucket principle is all about.
Survival Bucket
Considering that your income (after tax) comes to a total of 100%. Lets
now take 70% of this income and place it into the survival bucket. The
survival bucket is for your everyday expenses, your everyday needs
without the luxuries. If you can easily manage on less than 70% then by
all means add the remainder to the other buckets. However, 70% is a
good figure to begin with.
If on the other hand you feel that you need more than 70% of your income
to survive, then adopt the frugal mentality and read through the debt
section of this mind map for ways to earn more and cut back on your
expenses.
Security Bucket
This is your 2nd bucket into which you will be placing 15% of your
income. This bucket is for long-term low risk security investment
opportunities like the compounding strategy we discussed earlier. It is
also for purchasing bonds. Any money that goes into the security bucket
you will never touch, ever. Let it grow and grow. It will provide you with a
secure and confident feeling that your wealth is increasing on a daily
basis.
Growth Bucket
Place the remainder 15% of your income into this bucket and invest into
higher risk endeavors such as mutual funds, real estate, business
opportunities, options and stocks. Be diligent with your investment
decisions and take time to study and learn about the best investment
opportunities that can grow your money long-term.
The great thing about the growth bucket is that once you earn money
from here you will distribute the profits evenly (33.3%) into three buckets.
The first 33.3% goes into the security bucket, the second 33.3%goes
back into the growth bucket, and the third 33.3% goes into your dream
bucket.
Dream Bucket
This is the place where you make all your dreams come true. Whatever
money gets placed into this bucket goes to purchasing your dream car,
home, yacht, jewellery, holidays, and anything else that your heart
desires.
The wealth bucket principle works, and can effectively set you on track
towards living the life you have always dreamed about. Try it, live it, adopt
it into your lifestyle, and most of all be patient. Great things take time, and
when that time arrives it will be well worth waiting for.
Attract Wealth by Using these

Simple Strategies
While you are preoccupying yourself with the process of growing your
wealth, why dont you also align yourself with wealth by doing things that
will attract more of it into your life on a daily basis. Habits like constantly
carrying cash in your wallet will provide you with a sense of abundance.
Write Out a Future Cheque

Writing out a future cheque to yourself for an amount of money that you
desire to have at a future date, will provide you with the motivation to
keep moving forward.
Value Your Personal Worth

Valuing your personal worth is another strategy that we already touched
upon a little earlier on.
Socialize with Wealthy and Successful People

Socializing with wealthy and successful people may provide you with the
insight you need to steer you on track towards your financial goals.
Contribute to Charities
Contributing to charities and helping those in need will bring a sense of
contentment and satisfaction that will encourage an attitude of gratitude
for your current life circumstances.
Absorb Your Mind in Wealth

Attract more wealth to yourself by continuing to absorb yourself with
information about wealth building subjects on a daily basis. Read the
financial section of the newspaper, pick up a book about an investment
topic that interests you most, or simply have a conversation with
financially minded people, or just spend time watching the financial news.
Alternatively you can download the wealth creator mind maps and refer to
them on a daily basis.
All these suggestions may seem small and insignificant, however over
time they can and will have a huge impact on the person you eventually
become.
The Poverty Attraction Mindset

Just as we have a wealth attraction mindset, there is also a poverty
attraction mindset that many of us are completely unaware of.
Simple things we do on a daily basis seemingly innocent habits, beliefs
and behaviors all combine to create one powerful cocktail that repels
money from our lives. By being unaware of this, we simply do not
understand the impact that our everyday behavior has on our long-term
financial success.
The quick discussion that follows isnt by all means conclusive, however it
does provide some guiding principles of a poverty stricken mindset that
you must be aware of and work to remove from your daily behavior,
habits, thinking and activities if you seek to achieve long-term financial
abundance.
The Habits of a Poverty Stricken

Mind
Those who are stuck within a poverty stricken mindset dont realize or
understand the impact that their daily habits are having on their ongoing
financial burdens. If you catch yourself absorbed in any of the following
habits, then immediately break yourself away, change your actions,
thinking, emotions and look towards cultivating the wealth attraction
mindset characteristics, beliefs and habits we discussed a little earlier on.
Easily Influenced by Others

If you are easily influenced by others, while continuing to hang around
other people who constantly complain about their financial problems, then
your financial journey is over up until the moment you make a decision to
remove yourself from their presence. You have no chance of reaching a
point of financial success in your life because others will just hold you
down to their levels of thinking.
Be aware of this and remove yourself from these people immediately.
Move away to another city, state or country if you have to. Just move
away and get yourself out of their circle of influence.
Focusing on What Dont Want

A poverty stricken mindset focuses on the things that it doesnt want. Is it
really surprising that these types of people end up getting what they
focus on?
Seeking Instant Gratification

A poverty stricken mindset seeks instant gratification at every opportunity.
They seek those little short bursts of pleasure to avoid immediate pain.
On the other hand, the wealthy mindset focuses on long-term pleasure

and they learn to manage short-term pain.
Making Constant Excuses

You will find a poverty stricken person always making excuses about their
predicament, circumstances and position in life. Let go of the excuses
once and for all. You are where you are, so live with that but decide to
move forward in a better direction that will lead you to financial success.
If you really think about it, no one really cares about excuses, they are
simply a way to draw sympathy from others. And if you have a habit of
being around other like-minded people, then there is no doubt, they will
give you all the sympathy they can muster in order to keep you feeling
sorry for yourself for as long as possible.
Constantly Worried About Losing Money

People with a poverty stricken mindset always worry about losing money
and their possessions. It is of course understandable that if you dont
have a lot that you will more likely worry about losing it. However, this is
exactly what keeps people within their current life predicament, and is a
pivotal reason why they will never achieve financial abundance.
Not Being Realistic About Money

A person with a poverty stricken mindset is often not very realistic about
their money. They tend to dream a little too much and dont back-up those
dreams with the necessary actions that will make their dreams come to
fruition in the real world.
Not Making Money Important

A person with a poverty stricken mindset simply does not make earning
money a high enough priority. Yes they want money, and they want to
earn it as quickly as possible, however when it comes to the amount of
time, effort and energy they put into taking the necessary steps and
actions towards earning this money, it simply pails in comparison. There
is after all a big difference between just wanting something and doing
whatever it takes to bring those wants into fruition.
Limiting Traits and Beliefs that will

keep You Stuck in Poverty
The characteristics of being undisciplined, ungrateful and having a
dispassionate attitude towards money are pretty self explanatory. They
will keep a person in a poverty stricken mindset for as long as they
continue to cultivate these low level qualities within their psyche.
It is important for us to fully realize the impact that our limiting beliefs can
have on our earning power and long-term financial success.
For example, if you believe that money is difficult to obtain, then that
belief will rule your money making decisions for the rest of your life, and
as a result will sabotage your earning power and pull you away from the
financial abundance you desire to obtain.
A Simple Lack of Financial

Knowledge
Finally, a simple lack of financial knowledge keeps most people in a
poverty stricken mindset. There is a saying that goes:
What you dont know cannot hurt you.
Instead it should say:
What you dont know may not hurt you, but it could very well keep you
where you dont prefer to be.
It is better to know then to live a life of ignorance and despair. Begin by
reading one book, attending one workshop or seminar. Hopefully this will
wet your appetite for more. Patience is the key, and discipline is the lock
that will help you to stick it out for the long haul.
Final Thoughts
Financial success is definitely something that is within everyones reach
no matter how dire their current life circumstances may be. Slowly, but
surely we can all learn to master these simple strategies and potentially
adopt a mindset that will naturally attract wealth and abundance into our
lives. Stick with these principles, turn them into consistent daily habits and
actions, and your time will come. Sooner or later opportunity will turn your
way, however first, it is up to you to get that wheel turning in the right
direction towards your ultimate financial goals and objectives.
I hope you enjoyed this post, and if you have any further thoughts, ideas,
reflections or suggestions about this topic, than please feel free to
comment below.

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The Ins and Outs of Wealth Creation

How to develop a big enough intentional

Posted on February 9, 2010 by admin

By L. Michael Hall, Ph.D.

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