T. Harv Eker quotes:

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.

Secrets Of The Millionaire Mind' was born out of my own journey of self-discovery within both my personal and professional life.

Now more than ever is the time to really work on learning a money management system that can work, no matter how low things seem right now.

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 grow yourself to become a successful person, in strength of character and mind, you will naturally be successful in anything and everything you do.

If you want to create wealth, it is imperative that you believe that you are at the steering wheel of life, especially your financial life.

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.

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.

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.

Where attention goes, energy flows and results show.

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.

The biggest obstacle to wealth is fear. People are afraid to think big, but if you think small, you'll only achieve small things.

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.

We live in a world of cause and effect.

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

Try paying the bills with love. The idea I am trying to espouse is that you can have both love and money, and be rich and generous.

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.

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.

Focus on what you're grateful for in your life. If you don't appreciate what you have, you won't get any more... because the universe thinks it's not important to you, and therefore you don't need any more.

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!

In our course we teach that "no thought lives in your head rent-free." Each thought you have will either be an investment or a cost. It will either move you toward happiness and success or away from it. It will either empower you or disempower you. That's why it is imperative you choose your thoughts and beliefs wisely.

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.

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.

Becoming rich isn't as much about getting rich financially as about whom you become, in character and mind, to get rich.

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.

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.

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.

If you are going to work hard anyway, you might as well get rich...and the quicker the better!

Remember, either you control your money or it will control you.

You must acquire the habits and skills of managing a small amount of money before you can have a large amount. Remember, we are creatures of habit and, therefore, the habit of managing your money is more important than the amount.

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

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."

Helping people grow and achieve their dreams is the fastest route to success.

For many, life has become more about what they can't do rather than what they can do. The truth, however, is that you are far greater than you think and have truly amazing potential. The key is to tap into your higher self and unleash your full capacity for success and happiness.

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

If you are insecure, guess what? The rest of the world is too. Do not overestimate the competition and underestimate yourself. You are better than you think.

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

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.

Rich people believe - I create my life; poor people believe - life happens to me

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.

Finally, imagine that you've really worked hard on yourself and become a level 10 person. Now, is this same level 5 problem a big problem or a little problem? The answer is that it's no problem. It doesn't even register in your brain as a problem. There's no negative energy around it. It's just a normal occurrence to handle, like brushing your teeth or getting dressed.

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

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.

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

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

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.

By unlinking your money motivation from anger, fear, and the need to prove yourself, you can install new links for earning your money through purpose, contribution, and joy.

There is a secret psychology of money. Most people don't know about it. That's why most people never become financially successful. A lack of money is not the problem; it is merely a symptom of what's going on inside of you.

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

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."

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

Poor people choose now. Rich people choose balance.

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

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.

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.

Your income can grow only to the extent that you do.

For the prosperous, it's not about getting more stuff. It's about having the freedom to make almost any decision you want.

The size of the problem is never the issue -- what matters is the size of you!

When the subconscious mind must chose between deeply rooted emotions and logic, emotions will almost always win.

Successful people have fear, successful people have doubts, and successful people have worries. They just don't let these feelings stop them.

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.

No thought lives in your head rent-free. Each thought you have will either be an investment or a cost.

No thought lives in your head rent-free.

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.

The mark of true wealth is determined by how much one can give away.

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.

There is no such thing as a really rich victim.

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.

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

One step in the right direction is better than a hundred years of thinking about it.

'Secrets Of The Millionaire Mind' was born out of my own journey of self-discovery within both my personal and professional life.

"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.

A lack of money is never, ever, ever a problem. A lack of money is merely a symptom of what is going on underneath.

Action always beats inaction.

Action is the 'bridge' between the inner world and the outer world.

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.

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.

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.

Commit to growing yourself. Do not avoid problems and or complain about problems. Don't let them bother you. In fact, don't even call them problems; refer to them as "challenges" or "situations". Let go of the emotion and drama you create when you don't get what you want. Just stay present and handle one situation at a time with an open mind and an open heart. Trust yourself and in the universe that everything will work out in the end.

Complaining becomes a habit. Focusing on the negative also becomes a habit. It's one of the most detrimental habits you can possibly have. It can negatively impact you socially, affecting your personal happiness, but it can also subconsciously sabotage your money and success.

Complaining is the absolute worst possible thing you could do for your health or your wealth. The worst!

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.

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

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

Every master was once a disaster.

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

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.

Focus on what you want, not on what you don't want.

For every giver there must be a receiver, and for every receiver there must be a giver.

For the next seven days, I challenge you not to complain at all.

For the rich, it's not about getting more stuff. It's about having the freedom to make almost any decision you want.

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

Give me five minutes and I can predict your financial future for the rest of your life.

Happy people build their inner world; unhappy people blame their outer world.

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.

How do rich people think and act?

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.

How you do anything is how you do everything.

I act when I'm not in the mood.

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.

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

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

I observe my thoughts and entertain only those that empower me.

I promote my value to others with passion and enthusiasm.

I think big! I choose to help thousands and thousands of people!

I will be rich or I will die trying.

If a person weren't failing in some way, shape or form, would he or she need to blame, justify, or complain? The obvious answer is no.

If we're going to strive for spiritual growth, we have to be willing to put concepts into practice in our everyday lives, in all relationships with all people. You can't separate your "spiritual life" from your "work life." They're both your life! In the same vein, you can't separate money and happiness.

If you are not fully, totally, and truly committed to creating wealth, chances are you won't.

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

If you believe in your value, how could it possibly be appropriate to hide it from people who need it?

If you believe you are plenty, you will validate that belief and create plenty of abundance.

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

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

If you know it, but you're not living it, you don't own it.

If you say you're worthy, you are. If you say you're not worthy, you're not. Either way you will live into your story.

If you shoot for the stars, you'll at least hit the moon

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.

If you want to fly with eagles, stop swimming with ducks.