How to Attract Money

What you believe shapes your life, and your attitude toward wealth determines your capacity to attract it.

1. Money Is a Tool, Not the End Goal

Money itself is not inherently bad or good—it’s a tool we use to achieve experiences, security, and possibilities. Many people internalize the idea that money is evil, but this belief only creates barriers to financial growth. This negative association stems from cultural narratives in movies, television, and society that paint wealth as morally corrupting. However, these views miss the point: money is simply a means to an end, not the end itself.

By understanding money as a symbol of exchange, we can better align our desires with our goals. For example, wanting to buy groceries without financial stress is not about the dollar amount in your account—it’s about achieving peace of mind. Similarly, wanting enough money to fund your children’s education is about providing opportunities for their future, not just amassing wealth for its own sake. Reframing money as a facilitator helps dismantle irrational fears around wanting or pursuing it.

Rejecting the romanticization of poverty is also important in this mindset shift. Poverty is often glorified as virtuous, while wealth is demonized. However, being wealthy doesn’t inherently mean wrongdoing, just as being poor doesn’t make someone morally superior. Money is neutral; it’s how we view and use it that gives it meaning.

Examples

• People often associate virtue with lack, assuming "less money" equals "better morals."
• The author compares money to electricity—neutral but powerful depending on its use.
• Buying groceries stress-free is about well-being, not just the monetary transaction.

2. Belief Creates Reality

Your beliefs function as the foundation for your actions, and these actions ultimately form your reality. If you habitually think you don’t deserve wealth or that achieving financial stability is impossible, these thoughts become self-fulfilling prophecies. On the flip side, believing in your potential for success can open doors you might never have considered.

For instance, the author shares the story of an Australian man who overcame barriers to become a doctor despite not finishing high school. Instead of dwelling on obstacles, he replaced negative thoughts with a focused belief in his dream. With resilience and a visualization of success, he was able to gain the support of mentors who helped him achieve his goal. This example demonstrates that your inner narrative influences both your external circumstances and the people who come into your life.

This process works because our subconscious directs our daily choices—it’s as though it sets the compass guiding our journey. If the needle points toward scarcity, we’ll make decisions out of fear. Conversely, if it points toward abundance, our actions align with growth and opportunity.

Examples

• The Australian janitor visualized his diploma every night, fueling his determination.
• His unwavering belief inspired a mentor to help him through medical school.
• Belief shapes everyday choices, which build the larger picture of your life.

3. The Power of Positive Affirmations

Changing negative financial beliefs requires active effort, and affirmations are a meaningful way to reprogram the subconscious. Transitioning from thoughts of lack—like “I’ll never be rich”—to nurturing ideas of growth allows you to create a positive relationship with money. However, affirmations are most effective when they align with what you already view as plausible.

For beginners, using phrases like “Every day, I am improving my financial situation” is more impactful than declaring, “I am wealthy,” if wealth feels unattainable at the moment. Over time, as small financial wins accumulate, you’ll find it easier to believe and state bolder affirmations. Think of affirmations as the seeds planted in the garden of your mind—they need time to sprout and grow.

The author emphasizes relaxation techniques, such as meditative practices, to support affirmations. When the mind is calm and receptive, these positive messages can better influence subconscious patterns. There’s no overnight transformation, but consistent affirmations shift your actions and attitudes over time.

Examples

• Instead of overwhelming the mind, start with achievable affirmations like "My financial situation is improving."
• Meditative states enhance the absorption of affirmations.
• Consistent affirmations reinforce a gradual belief in upward financial progress.

4. Beware of Financial Jealousy

Negative feelings toward others’ wealth can sabotage your own financial goals. Jealousy, envy, or anger toward someone else’s success fosters a mindset of lack. These emotions feed internal beliefs that the world is limited in opportunities, causing us to disengage from our dreams or even act counterproductively.

Imagine a colleague receives a promotion you wanted, and instead of feeling inspired, you brood over it. This creates bitterness that can harm your motivation and even relationships that might have benefited your career. However, choosing to celebrate that person’s win allows you to remain engaged, strengthening connections and focusing on your own path forward.

The way you treat others’ success mirrors how you treat your own potential. Responding to others’ prosperity with support and optimism breeds an ecosystem where you’re more likely to receive the same responses when you succeed.

Examples

• Feeling resentful toward a promoted colleague disrupts workplace focus.
• Celebrating others’ success strengthens your network and motivation.
• Jealousy feeds the scarcity mindset, while positivity nurtures abundance.

5. Fear and Hoarding Turn Against You

Fear of losing money or resources ironically creates the very conditions for loss. When financial insecurity drives someone to hoard or act selfishly, they may end up isolating themselves or reinforcing the scarcity they’re afraid of. This mentality prevents trust and collaboration—key components to any long-term financial growth.

The book illustrates this with the story of a woman who hoarded coffee during wartime rationing. Her scarcity mindset drove selfish actions, like monopolizing supplies at the expense of the community. Ultimately, this mindset isolated her emotionally, and her stockpile was stolen, proving how fear often invites the situations we wish to avoid.

Money represents exchange and connection. Guarding it obsessively erodes its true purpose and can leave you spiritually and financially unfulfilled over time.

Examples

• Hoarding coffee during wartime led to financial and emotional loss.
• Fear tactics create isolation rather than fostering community-based wealth.
• Obsessiveness over money leads to fractured relationships with it.

6. Visualizing Success Brings Opportunity

Visualization is a powerful psychological tool for achieving your goals. When you vividly picture the success you want, you’re embedding this desire into your subconscious. By imagining the desired state—in detail—you’re not only aligning your actions with these goals but also emotionally preparing to accept the success when it comes.

Visualizing small, practical steps is as important as imagining the outcome. For instance, if you aim to leave debt behind, picture each small payment leading to future freedom. When paired with consistent effort, visualization works as a motivator and mental rehearsal for success.

Directing your mental energy toward what you want, rather than what you fear, sets a positive foundation for action. It steers your focus on solutions instead of problems.

Examples

• The aspiring doctor imagined his diplomas daily, bolstering his resolve.
• Visualizing debt freedom inspires greater commitment to financial planning.
• Mental imagery provides clear emotional targets for your subconscious.

Takeaways

1. Use affirmations that resonate with your current beliefs to gently reshape your financial mindset over time.
2. Replace jealousy with support when witnessing others' financial success to cultivate your own abundance.
3. Visualize your goals daily to align your actions and attitudes with the outcome you wish to achieve.