T. Harv Eker

Whenever you feel uncomfortable, instead of retreating back into your old comfort zone, pat yourself on the back and say, “I must be growing,” and continue moving forward.

Here’s an equation I want you to remember for the rest of your life: CZ = WZ. It means your 'comfort zone' equals your 'wealth zone.' By expanding your comfort zone, you will expand the size of your income and wealth zone.

The more comfort becomes your priority, the more contracted you become with fear.

Comfort kills! If your goal in life is to be comfortable, I guarantee two things. First, you will never be rich. Second, you will never be happy. Happiness doesn’t come from living a lukewarm life, always wondering what could have been. Happiness comes as a result of being in our natural state of growth and living up to our fullest potential.

And because we are creatures of habit, we must practice. I urge you to practice acting in spite of fear, practice acting in spite of inconvenience, practice acting in spite of discomfort, and practice acting even when you’re not in the mood.

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

Make a decision that from now on, your thoughts do not run you, you run your thoughts. From now on, your mind is not the captain of your ship, you are the captain of the ship, and your mind works for you.

I took his suggestion to heart and went from a 'know-it-all' to a 'learn-it-all.'

Every master was once a disaster.

Poor people and most of the middle class are not willing to be uncomfortable. Remember, being comfortable is their biggest priority in life… The only time you can actually grow is when you are outside your comfort zone.

Remember, your motto is, if they can do it, I can do it!

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

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

To get paid the best, you must be the best.

Success is a learnable skill. You can learn to succeed at anything. If you want to be a great golfer, you can learn how to do it. If you want to be a great piano player, you can learn how to do it. If you want to be truly happy, you can learn how to do it. If you want to be rich, you can learn how to do it. It doesn’t matter where you are right now. It doesn’t matter where you’re starting from. What matters is that you are willing to learn.

Poor people either mismanage their money or they avoid the subject of money altogether.

Saying 'I’ll start managing my money as soon as I get caught up' is like an overweight person saying 'I’ll start exercising and dieting as soon as I lose twenty pounds.'

You must acquire the habits and skills of managing a small amount of money before you can have a large amount.

The play account rule is that it must be spent every month. That’s right! Each month you have to blow all the money in that account in a way that makes you feel rich. For example, imagine walking into a massage center, dumping all the money from your account on the counter, pointing to the massage therapists, and saying, “I want both of you on me. With the hot rocks and the frickin’ cucumbers. After that, bring me lunch!”

Your play account is also designed to strengthen your 'receiving' muscle.

Money is a big part of your life, and when you learn how to get your finances under control, all areas of your life will soar.

It comes down to this: either you control money, or it controls you. To control money, you must manage it.

My definition of financial freedom is simple: it is the ability to live the lifestyle you desire without having to work or rely on anyone else for money.

You become financially free when your passive income exceeds your expenses.

The single biggest difference between financial success and financial failure is how well you manage your money. It’s simple: to master money, you must manage money.

Poor people choose now. Rich people choose balance.

Rich people see every dollar as a 'seed' that can be planted to earn a hundred more dollars, which can then be replanted to earn a thousand more dollars.

I consider each of my dollars to be investment 'soldiers,' and their mission is 'freedom.'

Rich people are wiling to act in spite of fear. Poor people let fear stop them.

It’s imperative to realize that it is not necessary to try to get rid of fear in order to succeed. Rich and successful people have fear, rich and successful people have doubts, rich and successful people have worries. They just don’t let these feelings stop them. Unsuccessful people have fears, doubts, and worries, then let those feelings stop them.

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

If you are willing to do only what’s easy, life will be hard. But if you’re willing to do what’s hard, life will be easy.

Either you’re a person who will be stopped, or you are a person who won’t be stopped. You choose.

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

Rich people think long-term. They balance their spending on enjoyment today with investing for freedom tomorrow.

When you are not willing to fully receive, you are training the universe not to give to you! It’s simple: if you aren’t willing to receive your share, it will go to someone else who is.

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

Get really rich and then help the people who didn’t have the opportunity you did.

If you have the wherewithal to have a lot of money, have it.

How you do anything is how you do everything.

There’s nothing wrong with getting a steady paycheck, unless it interferes with your ability to earn what you’re worth. There’s the rub. It usually does.

Living based in security is living based in fear.

Rich people believe in themselves. They believe in their value and in their ability to deliver it. Poor people don’t. That’s why they need “guarantees.”

The only way to earn what you’re really worth is to get paid based on your results.

If you are not willing to receive, then you are 'ripping off' those who want to give to you.

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

Money is a lubricant. It lets you 'slide' through life instead of having to 'scrape' by. Money brings freedom—freedom to buy what you want , and freedom to do what you want with your time. Money allows you to enjoy the finer things in life as well as giving you the opportunity to help others have the necessities in life. Most of all, having money allows you not to have to spend your energy worrying about not having money.

I ask you, what is the use of having your 'cake' if you can’t eat it? What exactly are you supposed to do with it? Put it on your mantel and look at it? Cake is meant to be eaten and enjoyed.

Rich people believe 'You can have your cake and eat it too.' Middle-class people believe 'Cake is too rich, so I’ll only have a little piece.' Poor people don’t believe they deserve cake, so they order a doughnut, focus on the hole, and wonder why they have 'nothing.'

Think of yourself as a role model for others—showing that you can be kind, generous, loving, and rich!

Where attention goes, energy flows and results show.

Make it a policy to know your net worth to the penny.

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

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

Do you want a successful career or a close relationship with your family? Both! Do you want a focus on business or have fun and play? Both! Do you want money or meaning in your life? Both! Do you want to earn a fortune or do the work you love? Both! Poor people always choose one, rich people choose both.

Action always beats inaction.

I have found that the richest people I know are also the nicest.

Bless that which you want. If you see a person with a beautiful home, bless that person and bless that home. If you see a person with a beautiful car, bless that person and bless that car. If you see a person with a loving family, bless that person and bless that family. If you see a person with a beautiful body, bless that person and bless their body.

Everything happens for a reason and that reason is there to assist me.

From now on, I want you to practice reframing other people’s negativity as a reminder of how not to be.

Nothing has meaning except for the meaning we give it.

Energy is contagious: either you affect people or you infect people.

I believe negative thinking is like having measles of the mind. Instead of itching, you get bitching; instead of scratching, you get bashing; instead of irritation, you get frustration. Now, do you really want to be close to people like that?

Rich people are almost always excellent promoters. They can are willing to promote their products, their services, and their ideas with passion and enthusiasm.

Did you know that there are no straight lines in the universe? Life doesn’t travel in perfectly straight lines. It moves more like a winding river. More often than not, you can only see to the next bend, and only when you reach that next turn can you see more.

Poor people will do almost anything to avoid problems. They see a challenge and they run…the secret to success, my friends, is not to try to avoid or get rid of or shrink from your problems; the secret is to grow yourself so that you are bigger than your problems.

If you have a big problem in your life, all that means is that you are being a small person!

If you want to make a permanent change, stop focusing on the size of your problems and start focusing on the size of you!

Rich and successful people are solution-oriented; they spend their time and energy strategizing and planning the answers to challenges that come up, and creating systems to make certain that problem doesn’t occur again.

Think of yourself as a container for wealth. If your container is small and your money is big, what’s going to happen? You will lose it. Your container will overflow and the excess money will spill out all over the place. You simply cannot have more money than the container. Therefore you must grow to be a big container so you cannot only hold more wealth but also attract more wealth. The universe abhors a vacuum and if you have a very large money container, it will rush in to fill the space.

Rich people do not back away from problems, do not avoid problems, and do not complain about problems. Rich people are financial warriors.

The bottom line is that if you become a master at handling problems and overcoming obstacles, what can stop you from success? The answer is nothing! And if nothing can stop you, you become unstoppable!

If a hundred-foot oak tree had the mind of a human, it would only grow to be ten feet tall!

'It’s better to give than to receive.' Let me put this as elegantly as possible: 'What a crock!' That statement is total hogwash, and in case you haven’t noticed, it’s usually propagated by people and groups who want you to give and them to receive. The whole idea is ludicrous. What’s better, hot or cold, big or small, left or right, in or out? Giving and receiving are two sides of the same coin. Whoever decided that it is better to give than to receive was simply bad at math. For every giver their must be a receiver, and for every receiver there must be a giver.

Resenting promotion is one of the greatest obstacles to success. People who have issues with selling and promotion are usually broke.

Rich people play the money game to win. Poor people play the money game to not lose.

The goal of truly rich people is to have massive wealth and abundance.

One of the principles we teach in our programs is 'If you shoot for the stars, you’ll at least hit the moon.' Poor people don’t even shoot for the ceiling in their house, and then they wonder why they’re not successful.

Rich people are committed to being rich. Poor people want to be rich.

The number one reason most people don’t get what they want is that they don’t know what they want. Rich people are totally clear that they want wealth. They are unwavering in their desire. They are fully committed to creating wealth. As long as it’s legal, moral, and ethical, they will do whatever it takes to have wealth. Rich people do not send mixed messages to the universe. Poor people do.

The third level of wanting is 'I commit to being rich.' The definition of the word commit is to 'devote oneself unreservedly.' This means holding absolutely nothing back; giving 100 percent of everything you’ve got to achieving wealth. It means being willing to do whatever it takes for as long as it takes. This is the warrior’s way. No excuses, no ifs, no butts, no maybes—and failure isn’t an option. The warrior’s way is simple: 'I will be rich or I will die trying.'

In my experience, getting rich takes focus, courage, knowledge, expertise, 100 percent of your effort, a never-give-up attitude and of course a rich mind-set.

Are you willing to work sixteen hours a day? Rich people are. Are you willing to work seven days a week and five up most of your weekends? Rich people are. Are you willing to sacrifice seeing your family, your friends, and give up your recreations and hobbies? Rich people are. Are you willing to risk all your time, energy and start-up capital with no guarantee of returns? Rich people are.

Rich people are committed to enough to do whatever it takes. Period.

You can be a victim or you can be rich, but you can’t be both. Listen up! Every time, and I mean every time, you blame, justify, or complain, you are slitting your financial throat.

How do you want to live your life? How do you want to play the game? Do you want to play in the big leagues or in the little leagues, in the majors or the minors? Are you going to play big or play small? It’s your choice.

Your life is not just about you. It’s also about contributing to others. It’s about living true to your mission and reason for being here on this earth at this time. It’s about adding your piece of the puzzle to the world. Most people are so stuck in their egos that everything revolves around me, me, and more me. But if you want to be rich in the truest sense of the word, it can’t only be about you. It has to include adding value to other people’s lives.

Part of your mission in life then must be to share your gifts with as many people as possible. That means being willing to play big.

The by-product is that they more people you help, the 'richer' you become, mentally, emotionally, spiritually, and definitely financially.

It comes down to this: If not you, then who?

Rich people see opportunities. Poor people see obstacles. Rich people see potential growth. Poor people see potential loss. Rich people focus on rewards. Poor focus on the risks.

Rich people...take responsibility for the results in their lives and act upon the mind-set 'It will work because I’ll make it work.'

Rich people expect to succeed.

Rich people focus on what they want, while poor people focus on what they don’t want.

You will be paid in direct proportion to the value you create in the marketplace.

What you hear, you forget; what you see, you remember; what you do, you understand.

An affirmation states that a goal is already happening. I’m not crazy about this because, often when we affirm something that is not yet real, the little voice in our head usually responds with “This isn’t true, this is BS…On the other hand, a declaration is not saying something is true, it’s saying we have an intention of doing or being something. This is a position the little voice can buy, because we’re not stating it’s true right now, but again, it’s an intention for us ion the future.

Thoughts lead to feelings. Feelings lead to actions. Actions leads to results.

Your programming leads to your thoughts; your thoughts lead to your feelings; your feelings lead to your actions; your actions leads to your results. Therefore, just as is done with a personal computer, by changing your programming, you take the first essential step to changing your results.

The reason or motivation you have for making money or creating success is vital.