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In this episode we dive deep into the foundational principles of T. Harv Eker's Secrets of the Millionaire Mind. Why do some people possess all the right tools yet still struggle to build lasting wealth? The answer lies in your financial blueprint the internal subconscious setting that dictates your financial destiny. We explore the Roots vs. Fruits philosophy explaining why changing your visible results requires a total overhaul of your invisible beliefs. From Donald Trump's billionaire thermostat to the common pitfalls of lottery winners learn why your income can only grow to the extent that you do. It is time.
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00:00Your income can only grow to the extent that you do, because your financial blueprint determines
00:04your reality. Welcome back to the show. I am so incredibly glad you're here today because we are
00:11about to embark on a journey that, quite frankly, I believe is the single most important investigation
00:18you will ever undertake. We aren't looking outward today. We aren't talking about the stock market,
00:24we aren't talking about real estate trends. And we certainly aren't talking about the latest.
00:30Get rich quick. Scheme or marketing hack. No. Today, we are turning the spotlight inward.
00:38We are going into the basement of your mind to inspect the foundation. We are diving deep into
00:43the first section, the foundational chapters, of T. Harv Eker's absolute classic, Secrets of the
00:50Millionaire Mind. Specifically, we are looking at the concept of your financial blueprint.
00:57Now, before you roll your eyes and say, Oh great, another mindset episode. I want you to pause.
01:04I want you to really ask yourself a question. Have you ever wondered why some people seem to
01:10have the Midas touch? You know the type. They start a business, it booms. They invest, it goes up.
01:17They seem to glide through financial life. And then, there are others, maybe this is you,
01:23maybe it's someone you know, who work incredibly hard. They have the degrees. They have the skills.
01:31They are good people. But they just cannot seem to break through. Or worse, they make the money,
01:37and then, mysteriously, it disappears. The car breaks down, the market shifts, a lawsuit happens.
01:45It's like they are allergic to wealth. Why is that? Is it bad luck? Is it the economy?
01:52According to T. Harv Eker, the answer is a resounding, no. It has nothing to do with what
01:59you know, and everything to do with who you are. It's about your, inner game.
02:05So, grab a coffee, settle in, and let's dismantle the psychology of wealth, piece by piece.
02:11Let's start with a story that Eker shares about himself, which I think is so relatable it hurts.
02:18Before he was the multi-millionaire success teacher we know today, Eker was a mess. He was
02:24what he calls a potential, guy. You know, people told him. Harv, you've got so much potential.
02:31But his bank account didn't reflect it. He had what he calls the, Loch Ness Monster Syndrome.
02:38He had heard of this thing called, Prophet. He'd heard rumors it existed, but he'd never actually
02:45seen it. He was working hard, but he was broke. He hit a wall. He moved back in with his
02:52parents,
02:53the ultimate slice of humble pie. And one night, he's hanging out with a friend of his father's.
02:59Now, this guy was wealthy. Extremely wealthy. And he took pity on Harv. He looked him in the eye,
03:06and said something that changed everything. He said, Harv, if you're not doing as well as you'd
03:13like, all that means is there's something you don't know. But he didn't mean technical knowledge.
03:18He didn't mean Harv didn't know accounting. He said, Rich people think in a certain way,
03:24and poor people think in a completely different way. That is the thesis of our conversation today.
03:31It is the concept of the missing link. You see, we live in an age of information.
03:37You can go on YouTube right now and learn how to trade crypto, how to flip houses,
03:42how to build an e-commerce store. The tools are everywhere. But Ike uses this brilliant analogy
03:49of a carpenter. You can have the best tools in the world, the sharpest saws, the most expensive
03:56drills. But if you are not a master carpenter, if you don't have the internal capacity to use those
04:02tools, they are useless. This brings us to one of the most profound metaphors in the book,
04:08and I want you to visualize this with me. Imagine a tree. This is the tree of life.
04:14On this tree, there are fruits. In life, our fruits are our results. Our bank account,
04:21our net worth, our salary. Now, most of us look at the fruits, and we don't like them.
04:27They're too small. They don't taste good. There aren't enough of them. So, what do we do?
04:35What is the human instinct? We focus on the fruit. We try to polish the fruit. We complain about the
04:42fruit. We try to glue more fruit onto the branches. We work harder at the job, the fruit level.
04:49But Ike asks a simple question. What creates the fruit? It's the roots. It's the seeds. It's what is
04:56happening underground. This is the principle of Roots vs. Fruits. And here is the rule. If you take
05:04nothing else away from this episode, take this. Asterisk if you want to change the visible.
05:10You must first change the invisible. Asterisk if you cannot change the fruits that are already
05:15hanging on the tree. They are done. They are the result of yesterday's growth. But if you want
05:22different fruit next season, you have to dig up the soil. This is hard for us to accept because we
05:28live
05:28in a physical world. We trust what we see. But Ike argues that we live in four realms simultaneously,
05:35the physical, the mental, the emotional, and the spiritual. The physical realm, the money in your
05:42hand, is merely a printout, of the other three. He gives this analogy that I absolutely love.
05:49Imagine you write a letter on your computer. You hit print. The paper comes out, and you see a typo.
05:56So, you take an eraser and you rub out the typo on the paper. You hit print again. And, surprise,
06:04surprise, the typo is still there. So you get a bigger eraser. You study. Eraser technology. You rub
06:12harder. You print again. The typo is still there. Why? Because the problem isn't the paper. The problem
06:21is the program. You are trying to change the physical result without changing the internal
06:26software. Money is a result. Health is a result. Illness is a result. Weight is a result. We live
06:35in a world of cause and effect. And if your life isn't looking the way you want it to, it's
06:40because
06:40there is a glitch in the program. So, let's talk about this program. Ike calls it your financial
06:48blueprint. Think of the thermostat in your house. Let's say the temperature is set to
06:5472 degrees. If it's cold outside and the window is open, the temperature might drop to 65. But
07:01what will the thermostat do? It will kick on the heat and bring it back to 72. If it's hot
07:08outside, the AC kicks on and brings it back to 72. You have a financial thermostat. And it
07:15is set for a specific amount of money. This explains the lottery winner phenomenon.
07:20We've all heard the stories. Someone wins 100 million dollars. Five years later they are
07:27broke. Why? Because their thermostat was set to broke, or middle class. They literally could
07:35not handle the voltage of 100 million dollars. Their subconscious mind screamed. This is too
07:42much. This isn't me. And they found ways to destroy it. They made bad investments, they
07:49gave it away, they spend it, all to get back to their comfort zone. There. Set point. Now
07:56compare that to Donald Trump. Love him or hate him, look at the finance. Eker points out that
08:02Trump has a thermostat set for billions. If Donald Trump lost everything and only had one million
08:09dollar left, he would feel broke. He would feel like a failure. And because his thermostat is set
08:15so high, he would likely regain his wealth very quickly. So the massive, scary question we have to
08:22ask ourselves today is, what is your thermostat set to? Is it set to struggle? Is it set to just
08:30getting by? Is it set to? Comfortable but not rich? Or is it set to millions? Because here is the
08:38cold,
08:38hard truth, your income can only grow to the extent that you do. If you don't reset that thermostat,
08:45you will never, ever hold on to wealth, no matter how hard you hustle. Okay, so we know the blueprint
08:51exists. We know it controls our lives. But where did it come from? How did we get programmed?
08:59Eker breaks this down into the manifestation formula. It looks like this P leads to T,
09:06leads to F, leads to A, leads to R. Programming leads to thoughts. Thoughts lead to feelings.
09:13Feelings lead to actions. Actions lead to results. If you want to change the results, the R, you have
09:20to go all the way back to the P, the programming. We are conditioned in three primary ways, and I
09:27want
09:27to walk through each of them because I guarantee, as I speak, memories are going to pop into your
09:33head. The first influence is verbal programming. This is simply, what did you hear about money when
09:40you were young? Did you hear phrases like, money doesn't grow on trees? We can't afford that. Rich
09:47people are greedy. Money is the root of all evil. You have to work hard for money. These aren't just
09:53sayings. These are viruses. They lodge themselves in your subconscious. Eker tells the story of a guy
10:01named Steven. Steven was making $800,000 a year. That's a lot of money. But he had zero net worth.
10:10He spent it all, lent it out, lost it. Why? Because his mom used to tell him. Rich people are
10:17greedy
10:17pigs. You should only have enough to get by. If you have more, you're a pig. Subconsciously,
10:25Steven loved his mom. He didn't want to be a pig. So every time he got money, his subconscious mind
10:32said, get rid of this. I want to be a good person. This is crucial. When the subconscious mind has
10:40to
10:41choose between logic and deeply rooted emotions, emotions win every single time. Logic says,
10:47save the money. Emotion says, if I save this, I am a bad person slash greedy pig slash not safe.
10:55The emotion wins. The second influence is modeling. This is the monkey see, monkey do factor.
11:04How did your parents handle money? Were they savers or spenders? Risk takers or conservative?
11:11Did money come easily or was it a constant struggle? Eker shares a hilarious but telling
11:18story about a woman preparing a ham for dinner. She cuts off both ends of the ham before putting it
11:23in the pan. Her husband asks, why do you do that? You're wasting good meat. She says, I don't know.
11:32My mom always did it. So she calls her mom. Mom, why do you cut the ends off the ham?
11:39Her mom says,
11:40I don't know. My mom always did it. So they call the grandmother. Grandma, why did you cut the ends
11:47off the ham? The grandmother says, because my pan was too small. We are running. Small pan. Software in a
11:56big pan. World. We are mimicking our parents' financial habits without even realizing it.
12:03Eker realized he was modeling his father, a builder. His dad would make a fortune, then lose it in a
12:10crash. Make a fortune, lose it. Eker found himself doing the exact same thing, the roller coaster,
12:17until he realized he was just replaying his father's biography.
12:21The third influence, and this one can be the most painful, is specific incidents.
12:27These are singular, emotional moments involving money that scarred you.
12:32There is a tragic story in the book about a woman named Josie.
12:36She was a nurse. Excellent at her job. But she had a weird relationship with money.
12:42She got rid of it as fast as she could. Why?
12:45When she was eleven, she was at a restaurant with her parents. They got into a massive,
12:52screaming argument about money. Her dad stood up, red in the face, screaming, and then, boom.
12:58He collapsed. Heart attack. He died in Josie's arms. In that moment, her eleven-year law mind wrote a
13:07script, asterisk money causes pain. Money causes death. Asterisk. As an adult, she became
13:15a nurse to save people, trying to save her dad, and she repelled money because, deep down,
13:22she believed money kills the people you love. You cannot budget, your way out of that trauma.
13:28You have to rewire the blueprint.
13:31This brings us to a fascinating area, relationships. Eker says money is the number one cause of divorce.
13:38But it's not the lack of money, it's the mismatch of blueprints.
13:42Let's say you have a partner who views money as security. To them, saving money feels like a warm
13:50blanket. It feels like safety. Now, let's say you view money as pleasure or freedom. To you,
13:58spending money feels like living. When you spend, your partner doesn't just get annoyed,
14:03they get terrified. They feel unsafe. When they try to save, you feel stifled, like your freedom is
14:11being taken away. Eker talks about his own wife. She grew up with the belief that men manage the
14:18money, and women don't have money. So, when she wanted something, she asked her dad. It was like
14:26getting ice cream. She got the money, spend it, and it was gone. So, when she married Harv, she treated
14:33money like ice cream. It was for immediate pleasure. Harv, on the other hand, grew up believing you have
14:39to work hard and save for freedom. You can imagine the clashes. The solution here is not to argue about
14:46the latte bill. It's to sit down and share your blueprints. What does money mean to you? Why do
14:53you feel that way? What did you hear growing up? Once you understand that your partner isn't being
15:00crazy, they are just running a different program. You can actually build a third blueprint, a joint one,
15:08together. Now, I want to touch on something incredibly subtle but powerful that Eker brings
15:13up in the later pages of this section. It's about motivation. Wealth rule number six states,
15:20asterisk if your motivation for acquiring money or success comes from a non-supportive route such as
15:25fear, anger, or the need to, prove, yourself, your money will never bring you happiness. Asterisk.
15:33This is the, proving yourself, trap. So many high achievers are driven by a deep-seated feeling that they are
15:40not enough. Maybe their dad was hard on them. Maybe they were bullied. They think,
15:47I'll get rich, and then I'll show them. Then I'll be worthy. Here is the tragedy. You can make the
15:54ten
15:54million dollars. You can buy the Ferrari. But you are still you. Money makes you more of what you already
16:01are. If you are angry and broke, you will be angry and rich. If you feel unworthy and broke, you
16:08will feel
16:09unworthy and rich. You'll just be an unworthy person in a nice car. If you are driven by fear,
16:15the fear of being poor, money won't fix it. Because when you get the money, the fear doesn't vanish.
16:22It just changes shape. Now you fear losing the money. You fear the taxes. You fear the fake friends.
16:30The route has to be changed from fear or anger to purpose, contribution, and joy. So,
16:36we have diagnosed the problem. We know about the roots, the blueprint, the thermostat,
16:42and the viruses from our past. The question is, how do we fix it? How do we use the eraser,
16:50on the hard drive, not just the paper? Eker gives us a very specific methodology. It's not just
16:57positive thinking. He distinguishes between an affirmation and a declaration.
17:02An affirmation is when you say, I am rich. But if you are broke, your subconscious mind knows you
17:10are lying. It says, no you're not. You're late on rent. Shut up. It creates an internal conflict.
17:19A declaration is different. A declaration is a statement of intent. It is, I choose to be rich.
17:28I am adopting a millionaire mind. The subconscious can't argue with that,
17:33because you are stating a future intention, not a present lie.
17:37Eker is big on energy. Everything is energy. When you speak a declaration aloud,
17:43you are sending a vibration through your body. You are physically signaling to your nervous system
17:49that things are changing. He suggests a four-step process for reprogramming.
17:531. Awareness asterisk you can't change what you don't know exists.
17:59Write down the statements you heard as a kid. Write down the models you saw.
18:042. Understanding asterisk understand how these have affected your financial life so far.
18:11Connect the dots. Oh, I spent money because my dad did.
18:153. Disassociation asterisk this is the key. You have to realize that this program is not you.
18:23It is a file stored in your mind. You are the computer, you are not the file.
18:29You can choose to delete it. You can say,
18:32That was my mother's fear, not mine.
18:354. Reconditioning asterisk this is where the declarations come in.
18:40And this is where I want to leave you today, with a challenge.
18:44It might feel silly. It might feel weird.
18:47But if you want different fruits, you need to tend to the roots.
18:52Eker asks his readers to physically touch their bodies to anchor these thoughts.
18:56He wants you to put your hand on your heart, the seat of emotion, and say a declaration.
19:02Something like...
19:03Asterisk.
19:05I release my non-supportive money experiences from the past and create a new and rich future.
19:11Asterisk.
19:13Asterisk.
19:13My inner world creates my outer world.
19:17Asterisk.
19:18And then, touch your head, the seat of your mind, and say.
19:22Asterisk.
19:23I have a millionaire mind.
19:25Asterisk.
19:26It sounds simple.
19:28But remember the carpenter.
19:30It's not about the complexity of the tool.
19:33It's about the master using it.
19:35Most people are asleep at the wheel.
19:38They are driving through life on autopilot, reacting to road signs that were painted by
19:42their parents 30 years ago.
19:44Today is about waking up.
19:47It's about grabbing the steering wheel.
19:49It's about looking at that thermostat and realizing you have the power to turn the dial.
19:55You don't have to stay at 65 degrees.
19:58You don't have to stay in the cycle of boom and bust.
20:02You don't have to be loyal to a past that doesn't serve you.
20:05The invisible creates the visible.
20:08Work on the roots, and I promise you, the fruits will take care of themselves.
20:13Thanks for listening.
20:14Go check your thermostat.
20:17I'll see you in the next episode.