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

T. Harv Eker

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.”
T. HARV EKER

Believe Class Could Have Lot Middle Money Most People Poor Success Want
The only time you are actually growing is when you are uncomfortable.
T. HARV EKER

Actually Comfortable Grow Only Time
Everything happens for a reason and that reason is there to assist me.
T. HARV EKER

Assist Everything Happen Lesson Me Reason
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.
T. HARV EKER

Blame Both Can Complain Every Justify Mena Rich Sitting Time Victim You
The only way to permanently change the temperature in the room is to reset the thermostat. In the same way, the only way to change your level of financial success ‘permanently’ is to reset your financial thermostat. But it is your choice whether you choose to change.
T. HARV EKER

Change Only Permanent Reset Room Same Temperature Way
If you don’t have the money management skills yet, using a debit card will ensure you don’t overspend and rack up debt on a credit card.
T. HARV EKER

Card Credit Debit Debt Ensure Management Money Overspend Skill
If your goal is to be comfortable, chances are you’ll never get rich. But if your goal is to be rich, chances are you’ll end up mighty comfortable.
T. HARV EKER

Chance Comfortable End Get Goal Mightly never Rich
The world doesn’t need more people playing small. It’s time to stop hiding out and start stepping out. It’s time to stop needing and start leading. It’s time to start sharing your gifts instead of hoarding them or pretending they don’t exist. It’s time you started playing the game of life in a “big” way.
T. HARV EKER

Do Hold Lead Need Not Out People Play Small Start Step Stop Time World
The first rule of making progress in anything you do is setting goals, allowing yourself to always have a finish line in sight. This provides a boost in motivation during those moments when slogging forward seems impossible, giving you something tangible to work towards at every moment.
T. HARV EKER

Always Anything Do Allow Finish First Make Progress Rule Sight Yo Yourself
They back away from challenges. Ironically, they back themselves into the biggest problem of all … being broke, or close to it.
T. HARV EKER

Broke Challenge Close Ironically Problem
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.
T. HARV EKER

Almost Anything Avoid Challenge Do Friend People Poor Problem Run Secret See Success Try
Think of yourself as a role model for others-showing that you can be kind, generous, loving, and rich!
T. HARV EKER

Generous Kind Love Model Other Rich Role Show Think Yourself
If a hundred-foot oak tree had the mind of a human, it would only grow to be ten feet tall!
T. HARV EKER

Fall Feet Foot Grow Human Hundred Mind Oak Ten Tree
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.
T. HARV EKER

Growth Loss Obstacle Opportunity People Poor Potential Rich See
Focus on what you want, not on what you don’t want.
T. HARV EKER

Focus Not On Want What
The first element of change is awareness. You can’t change something unless you know it exists.
T. HARV EKER

Awareness Change Element Exists First Know Something

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

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

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