Have you ever wondered how a rich person was able to accumulate so much money? Perhaps you’ve taken notice of a poor person and found it perplexing, or even upsetting, that he just didn’t have any money no matter how hard he worked. What determines who will be rich and who will be poor? The reality is that your money mindset helps you determine whether you’ll be rich or poor. This book addresses the differences between the mindsets of rich and poor people when it comes to money. Each section explores a specific way of thinking about money and the widely contrasting views taken by the rich and poor. You’ll be enlightened about how you can alter what you think, feel and believe about money in order to “think rich.”

1. Rich or Poor –
Your Choice
How You Think About
Money Largely
Determines Whether
You’re Rich or Poor

2. Rich and Poor People Think
Differently About Money
Have you ever wondered what
determines whether you’re
rich or poor?
Your mindset has a lot to do with it.

3. Lack vs. Abundance
Mindset
Lack
“I don’t have any
money.”
“I wish there was a way
to get more money.”
“There are no jobs out
there.”
Abundance
“I can earn all the
money I want.”
“I can do so many
things to get money.”
“I can sell my skills and
services to others.”

4. When
Opportunity Knocks
Poor People:
Don’t notice opportunities
to make money
Usually don’t take
advantage of them
Wonder, “How much
will it cost me?”
Rich People:
Keep eyes open for all
opportunities
Take advantage of
opportunities
Think, “How much
can I make?”

5. When Opportunity
Knocks—Example
Paul has a job but
complains he
doesn’t have
enough money.
He’s annoyed at
all the yards in his
neighborhood that
aren’t well-kept.
James lives in the
same neighborhood.
He wants to live a
financially secure
life. He notices the
lawns, too.
What will Paul and
James do about
these yards?

6. Paul’s friend, Sam, is
disabled and tells
Paul:
“I wish I could mow
all these lawns and
trim bushes, but I’m
physically unable
to.” Why don’t you
do it?”
Paul says, “It will cost
too much.” “It will
take up my
weekend.”
James says:
“I think these owners
need some help with
their yards.”
“I could make another
$100 a week mowing
these lawns.”
“I’ll stop right now to
offer my services.”

7. Who do you think will make
that $100+ extra weekly?

8. Investing
A Poor Person:
Overwhelmed
by fear
Asks, “How much
can I lose?”
A Rich Person:
Confident
Asks, “How much
can I make?”

9. Short-Term vs. Long-Term
Thinking
A Poor Person:
“How will I pay this
month’s bills?”
“I never have
any money.”
A Rich Person:
“I want to meet my
savings goal at
year’s end.”
“I’m saving now for my
kids’ educations.”

10. Price vs. Value
The Poor Think:
“Wow, look at that sale
price!”
I’ve got to have that.”
“I can’t pass up
that price.”
The Rich Think:
“That’s a good price
but do I really need it?”
Will the item have value
for me in a year or 2?”
“Can I use it to make
money?”

11. Who’s the Boss?
The poor are either trying to find a job,
waiting to get a job or making an effort to
keep hold of a job.
The rich prefer to work for themselves to
reap more of the profits that their work
yields. The rich have confidence in their own
ability to make decisions.

12. Dealing with Challenges
A Poor Person:
Feels overwhelmed
Avoids confronting
the challenge
Thinks of excuses
for the situation
Blames other people
and things
A Rich Person:
Has confidence he can
handle the challenge
Confronts the situation
Resolves the issue
Makes it work out

13. Power
Responsibility Control Action

14. The poor believe they’re victims of circumstances.
The rich believe they have power to increase
their dollars.
Do You See the Power You Have Over Your Money?
Responsibility Control Action

15. Dreams
Do you dream small or big?
Poor people dream small and
hope their dreams come true.
Rich people dream big and strive
to make their dreams happen.

16. Learning
How open are you to learning new
information about finances?
 Those who think poor are less
open-minded to learning new info.
 Those who think rich are open
to new knowledge and are in a
constant state of learning.

17. Cash Flow
What is…
Cash Flow?
Good Debt?
Bad Debt?

18. Cash flow
•Your paycheck
•Other income streams
Good Debt
•Debts you pay that will ultimately
earn you more than you paid
Bad Debt
•Debts you pay that bring you no
return on your money
•Examples are your phone bill,
utility bill and cable bill

19. Tips to Change
Your Mindset
How can you alter
your mindset to be
more like the rich?

20. Affirmations
Positive Self-Talk
Meditation
Visualization
Journaling
Spend time with those with
a rich mindset
Develop business
mastermind group

21. Conclusions
Your mindset about money largely
determines the kind of financial life
you’ll lead.
You have the power to change
your money mindset.
Learn to think rich and live the life
you desire!

22. “Being broke is a
temporary situation.
Being poor is a
state of mind.”
–Mike Todd

23. We hope you enjoyed your Special Report!
Curtis Roese is an experienced professional with extensive experience in
personal finance and small business matters. Curtis writes and
publishes articles, courses, guides and special reports on his personal
finance blog.
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