These are my personal book notes of Secrets of the Millionaire Mind by the author T. Harv Eker.

Let’s dive in.


  • Author: T. Harv Eker
  • Title: Secrets of the Millionaire Mind
  • Subtitle: Mastering The Inner Game Of Wealth
  • First published: 2005
  • Type: non-fiction
  • Genre: self help
  • Author’s website:
  • Rating: 4/5
  • Recommended: Yes

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

Table Of Contents Of The Book

  • “Who The Heck Is T. Harv Eker, And Why Should I Read This Book?”
  • Part One - Your Money Blueprint
  • Part Two - The Wealth Files - Seventeen Ways Rich People Think and Act Differently from Poor and Middle-Class People
  • “So What the Heck Do I Do Now?”
  • Special Bonus Offer
  • Share the Wealth
  • Recommended Resources
  • Searchable Terms
  • Acknowledgments
  • About the Author

Key Concepts & Ideas

I believe that if you use the principles you learn in this book, you will totally transform your life.

Don’t just read this book.

Study it as if your life depended on it.

Then try the principles out for yourself.

Whatever works, keep doing.

Whatever doesn’t, you’re welcome to throw away.

It all comes down to this: if your subconscious “financial blueprint” is not “set” for success, nothing you learn, nothing you know, and nothing you do will make much of a difference.

As I traveled across the continent giving my seminars, I noticed something strange:

You could have two people sitting side by side in exactly the same room, learning exactly the same principles and strategies.

One person would take these tools and skyrocket to success.

But what do you think might happen to the person sitting right next to him or her?

The answer is, not much!

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

So I designed a program called the Millionaire Mind Intensive based on the inner game of money and success.

When I combined the inner game (the toolbox) with the outer game (the tools), virtually everybody’s results went through the roof!

So that’s what you’re going to learn in this book: how to master the inner game of money to win the game of money – how to think rich to get rich!

If you want to move to a higher level of life, you have to be willing to let go of some of your old ways of thinking and being and adopt new ones.

The results will eventually speak for themselves.

T. Harv Eker On Your Money Blueprint

I have a saying: “It’s not enough to be in the right place at the right time. You have to be the right person in the right place at the right time.”

So who are you?

How do you think?

What are your beliefs?

What are your habits and traits?

How do you really feel about yourself?

How confident are you in yourself?

How well do you relate to others?

How much do you trust others?

Do you truly feel that you deserve wealth?

What is your ability to act in spite of fear, in spite of worry, in spite of inconvenience, in spite of discomfort?

Can you act when you’re not in the mood?

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

The key to success is to raise your own energy; when you do, people will naturally be attracted to you. And when they show up, bill ’em!
- Stuart Wilde

Wealth Principle: Your Income Can Grow Only To The Extent You Do

The vast majority of people simply do not have the internal capacity to create and hold on to large amounts of money and the increased challenges that go with more money and success.

That, my friends, is the primary reason they don’t have much money.

The reality is that most people do not reach their full potential.

Most people are not successful.

Research shows that 80 percent of individuals will never be financially free in the way they’d like to be, and 80 percent will never claim to be truly happy.

The reason is simple.

Most people are unconscious.

They are a little asleep at the wheel.

They work and think on a superficial level of life – based only on what they can see.

They live strictly in the visible world.

Wealth Principle: If You Want To Change The Fruits, You Will First Have To Change The Roots

If you want to change the visible, you must first change the invisible.

One of the most important things you can ever understand is that we do not live on only one plane of existence.

We live in at least four different realms at once.

These four quadrants are

  • the physical world,
  • the mental world,
  • the emotional world, and
  • the spiritual world.

Wealth Principle: Money Is A Result, Wealth Is A Result, Health Is A Result, …

Illness is a result, your weight is a result.

We live in a world of cause and effect.

Whatever results you’re getting, be they rich or poor, good or bad, positive or negative, always remember that your outer world is simply a reflection of your inner world.

If things aren’t going well in your outer life, it’s because things aren’t going well in your inner life.

It’s that simple.

I want to introduce you to an extremely important formula.

It determines how you create your reality and wealth.

Many of the most respected teachers in the field of human potential have used this formula as a foundation for their teachings.

Called the Process of Manifestation, it goes like this:

Thoughts ➡ Feelings ➡ Actions = Results

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

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

Steps for Change: Verbal Programming

  • Awareness: Write down all the statements you heard about money, wealth, and rich people when you were young.
  • Understanding: Write down how you believe these statements have affected your financial life so far.
  • Disassociation: Can you see that these thoughts represent only what you learned and are not part of your anatomy and not who you are? Can you see that you have a choice in the present moment to be different?
  • Declaration: Place your hand over your heart and say… “What I heard about money isn’t necessarily true. I choose to adopt new ways of thinking that support my happiness and success.”

I learned what you’re learning in this book and was able to recondition myself out of that “yo-yo” model and into having a consistently growing income.

Today, the urge to change when things are going well (and to sabotage myself in the process) still comes up.

But now, there’s another file in my mind that observes this feeling and says, “Thank you for sharing; now let’s get refocused and back to work.”

Wealth Principle: Consciousness Is Observing Your Thoughts And Actions

… so that you can live from true choice in the present moment rather than being run by programming from the past.

Once you are conscious, you can see your programming for what it is:

simply a recording of information you received and believed in the past, when you were too young to know any better.

You can see that this conditioning is not who you are but who you learned to be.

You can see that you are not the “recording” but the “recorder.”

You are not the “content” in the glass but the “glass” itself.

You are not the software but the hardware.

Realize that your thoughts and beliefs aren’t who you are, and they are not necessarily attached to you.

As precious as you believe them to be, they have no more importance and meaning than you give them.

Nothing has meaning except for the meaning you give it.

Rich people think very differently from poor and middle-class people.

They think differently about money, wealth, themselves, other people, and pretty well every other facet of life.

Wealth Principle: You Can Choose To Think In Ways That Will Support You In Your Happiness And Success

… instead of ways that don’t.

Most people understand we are creatures of habit, but what they don’t realize is that there are actually two kinds of habits:

doing habits and not-doing habits.

Everything you are not doing right now, you are in the habit of not doing.

Wealth File: Rich People Believe “I Create My Life.”

Poor people believe “Life happens to me.”

Instead of taking responsibility for what’s going on in their lives, poor people choose to play the role of the victim.

T. Harv Eker On Three “Victim Clues”

  1. Victim Clue #1: Blame
  2. Victim Clue #2: Justifying
  3. Victim Clue #3: Complaining

Wealth Principle: When You Are Complaining, You Become A Living, Breathing “Crap Magnet”

So stop the victim behaviour.

Wealth File: Rich People Play The Money Game To Win

… Poor people play the money game to not lose.

Poor people play the money game on defense rather than offense.

Wealth File: 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.

Wealth Principle: If You Are Not Fully, Totally, And Truly Committed To Creating Wealth, Chances Are You Won’t

Are you willing to work sixteen hours a day?

Rich people are.

Wealth File: Rich People Are Willing To Promote Themselves And Their Value

… Poor people think negatively about selling and promotion.

Rich people are almost always excellent promoters.

Wealth Principle: The Secret To Success 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 any problem.

Similar to what Jim Rohn’s mentor Earl Shoaff said, “don’t wish for less problems, wish for more skills! Don’t wish it was easier, wish you were better!”

Wealth Principle: The Habit Of Managing Your Money Is More Important Than The Amount

Track and manage.

Wealth Principle: 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.

Think opportunity.

Wealth File: Rich People Act In Spite Of Fear

Poor people let fear stop them.

It is not necessary to try to get rid of fear in order to succeed.

Wealth Principle: If You Are Willing To Do Only What’s Easy, Life Will Be Hard

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

The only time you are actually growing is when you are uncomfortable.

If you want to be rich and successful, you’d better get comfortable with being uncomfortable.

Consciously practice going into your uncomfort zone and doing what scares you.

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.”

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.

By doing so, you will quickly move to a higher level of life.

Along the way, make sure you check your bank account, because, guaranteed, that will be growing quickly too.

Wealth Principle: Training And Managing Your Own Mind Is The Most Important Skill You Could Ever Own

Both, in terms of happiness and success.

Mind over matter.

Wealth File: Rich People Constantly Learn And Grow.

Poor people think they already know.

Poor people are often trying to prove that they’re right.

You can be right or you can be rich, but you can’t be both.
- T. Harv Eker

Being “right” means having to hold on to your old ways of thinking and being.

Unfortunately, these are the ways that got you exactly where you are now.

This philosophy also pertains to happiness, in that “you can be right or you can be happy.”

Closing Thoughts

My book notes only cover small parts of the book.

So if you like what you read, please consider buying the book from the author.

Thank you for reading and stay awesome,

Tim for Online Business Dude

PS: Start Your Own, Profitable Online Business From Scratch, Step-by-Step, Today!

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