How To Think Like A Wealthy Person PDF Free Download

Like a scuba diver, when these managers are equipped with the right tools and instruction, they can come up with strategic insights. The final type of strategic thinker is the Free Diver. A free diver can dive underwater to depths of 800 feet on a single breath. These managers generate new and impactful ideas for the business on a regular basis. The people in certain neighborhoods would become wealthy; the people of one city would all be rich, while those of other towns would all be poor; or the inhabitants of one state would roll in wealth, while those of an adjoining state would be in poverty. But everywhere we see rich and poor living side by side, in.

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I think you’ll agree with me when I say that everybody wants to know how to become a millionaire and get rich.

Unfortunately, some people just don’t know where to start.

Would you be surprised to learn that you can get rich in your own way, starting today?

The following tips will help you visualize the road ahead of you and enable you to set goals to make more money than you ever dreamed.

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How to Become a Millionaire in 6 Steps:

  1. Write down all of your ideas to make more money
  2. Take time to relax and reflect on your financial goals
  3. Gain financial independence using the magic wand technique
  4. Project forward and think back on your financial goals
  5. Practice “Mind-storming” on all your problems
  6. Save your money until you have a million dollars

Here are the details for these 6 exercises which will bring clarity to your life and help you figure out how to become a millionaire and achieve financial independence:

1) How to Make More Money: Start By Writing Down Your Ideas


Buy a spiral notebook. Carry it with you if you possibly can, and write down every idea that comes to you throughout the day. Review this idea log on a regular basis.

Sometimes, one idea that you have while you are driving along, sitting, reading, watching television, or in a conversation may be the insight that will lead to the start of your fortune. If your goal is to make more money, write down all of your ideas as to how you will achieve this goal.

The rule is, “Catch the idea and write it down.” If you don’t write it down fast, you will very often lose it.

2) Goal Setting: Relax and Reflect on Your Financial Goals

Take regular time-outs to relax and reflect on your goals and the obstacles that are holding you back from achieving them.

During these times of relaxation, ideas will often pop into your mind that can save you hours, days, and sometimes years of hard work.

3) Gaining Financial Independence Using The Magic Wand Technique

Practice the exercise of fantasizing on a regular basis. Sometimes this is called the “magic wand technique.”

Imagine that you have a magic wand and you can wave it over your current situation or problem. Imagine that as a result of waving this magic wand, all the obstacles are removed from between you and your financial goals.

4) Project Forward and Think Back on Your Financial Goals

Imagine that your goal is to build a successful business in a particular field. Project forward three to five years and imagine that you now have a successful business in that field.

What would it look like? How big would it be? What kind of people would you be working with? What kind of reputation would you have in the marketplace? What would be your level of sales and profitability? How would you be running this business?

And especially, what could you start doing right now to make this future dream a reality?

5) How to Become a Millionaire By Practicing “Mind-Storming” on Every Problem

Perhaps the most powerful method of stimulating creative thinking is called “mind-storming,” or the 20-idea method.

More people have become wealthy, including me, using this idea more than any other method of creative thinking ever discovered. In fact, this technique alone could enable you to gain financial independence.

The method is simple…

Take any problem or goal that you have and write it at the top of a sheet of paper in the form of a question. For example, if your goal is to double your income over the next 12 months, then you would write, “How can I double my income over the next 12 months?”

You then discipline yourself to write at least 20 answers to that question. You can write more than 20 answers if you like, but you must use your discipline and willpower to write at least 20 answers.

6) Save Your Money and Become a Millionaire

One of the easiest way would be if you were to save $100 per month, from the time you started work at the young age of 20 until the time you retired at age 65, and you invested that $100 per month in a mutual fund that yielded you an average of 10%, you would be worth approximately $1,118,000 by the time you retired.

Chances are, your discipline and your resolve to continue saving at any age, year in and year out would have such an effect on your character and your personality that you would end up earning far more than 10% per year. But at $100 per month, anyone can become a self-made millionaire.

Take Action

Focused questions stimulate your mind and provoke creativity.

Decide on a goal and then ask yourself, “Why am I not at this goal already? What is the main reason?”

Start by practicing these exercises today to start on your path to getting rich! If you’re looking to change your mindset, check out my free 45-minute training called Kickstart Your Productivity where I’ll teach you several science-driven rules I rely on for becoming a powerhouse of productivity.

How to Become a Millionaire: Start Thinking Like One
Learn 6 techniques to think like a millionaire and to start setting goals today in order to make more money and achieve financial independence.

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About Brian Tracy — Brian is recognized as the top sales training and personal success authority in the world today. He has authored more than 60 books and has produced more than 500 audio and video learning programs on sales, management, business success and personal development, including worldwide bestseller The Psychology of Achievement. Brian's goal is to help you achieve your personal and business goals faster and easier than you ever imagined. You can follow him on Google+, Twitter, Facebook, Pinterest, Linkedin and Youtube.

7min read

What’s your money strategy? Do you even have one?

If not, it’s not uncommon. Until two years ago, I didn’t have a financial plan, whatsoever.

Even though I’ve been reading about money, finance, and investing ever since I made my first few bucks as a teenager, I never created a financial plan.

But now, I think every single working professional needs a financial strategy. How do you spend your money? How much do you save? What are your thoughts about debt? How do you invest your money? How much money do you need to retire?

These are questions that every person who makes money must answer.

Let’s face it. If you want to retire comfortably (I’m not even talking about living a luxurious lifestyle), you need to get rich.

And the 8 books that I recommend in this article will help you to do that. Read them and you’ll never have to worry about personal finance again.

Full Disclosure: I use affiliate links for book recommendations, which means that if you choose to make a purchase, I will earn a commission. This commission comes at no additional cost to you.

1. The Richest Man In Babylon by George S. Clason

This book was published in 1926 and as far as I can tell, it was the first popular book on personal finance.

Usually, I’m not into parables. But this is a great book. It’s the only parable that I’ve read that makes the message of the book even more powerful.

What it comes down to is this: Rich people are rich because they save their money, don’t get in debt, and don’t spend their money foolishly.

Clason recommends to save 10% of your income (I believe you should save 50% — more on that later). He calls saving “paying yourself first.” That’s an important mindset.

You only get rich by paying yourself. Don’t foolishly spend all your money on things you don’t need. When you do that, you pay others, not yourself.

Everyone should read The Richest Man In Babylon — the earlier the better.

2. Your Money Or Your Life by Vicki Robin and Joe Dominguez

What I enjoyed most about this book is that it teaches you to transform your relationship with money. This will change your life.


Money is something you trade your life energy for. Think about it. You work to earn money.

But you spend your time to work. That’s why Robin and Dominguez spend the first part of this book to make us aware that more is not better.

More money is especially not better if you have to put your own well-being on the line. It’s never worth it. Just ask the family of the bankers who committed suicide during any recession.

If you want to live a healthy and wealthy life, you must detach yourself from money. Instead of striving for more, get better at managing your money.

Save it. And don’t waste it on stuff you don’t need. Your Money Or Your Life starts out strategically and gets more practical towards the end.

One thing I don’t agree with is retiring early. I don’t want to retire and sit on a beach. That’s because my mentors, who are beyond the retirement age, still work and are very happy. I aspire to do the same.

But I also want to build enough wealth that I don’t “have” to work if I don’t want to. That’s one thing Robin and Dominguez also believe in.

3. The Intelligent Investor by Benjamin Graham (with commentary by Jason Zweig)

I bought my first stocks when I was 20 years old. At the time, the finance sector was doing great, and I thought it would be good to invest in ING, the major Dutch bank.

Oh yeah, I should mention that this was in 2007, right before the financial crisis. I invested €1500 in ING and €500 in AEGON, a Dutch asset management firm.

It was about half of my savings at the time — a lot of money for a student. And a few months later, when Lehman Brothers collapsed, my stock portfolio was worth only a few hundred euros in total.

Man, I was so pissed off. I can’t even tell you how livid I was. But looking back, I understand that losing money is a part of investing.

And fortunately, I didn’t sell and waited until the stocks recovered. That took eight years, though.

I decided to not invest in individual stocks anymore. And The Intelligent Investor is one of the most important books that helped to realize investing in stocks is not for me.

If you already know that you don’t want to invest in individual stocks, you don’t have to read this book. However, if you are interested in finance, I highly recommend it. The commentary by Jason Zweig, a WSJ columnist, is also excellent.

P.S. I skipped the chapters about stock analysis because I’m not going to use it.

4. The Little Book of Common Sense Investing by Jack Bogle

The reason I stopped investing in individual stocks is Jack Bogle. This man is a true hero.

He founded Vanguard and created index funds. Unlike everyone else in finance, he’s not worth billions. Why? He created financial products for the people.

Vanguard is a unique company. Why? It’s the only company in finance that has the same interest as you. When you invest in their funds, they win, and you win.

But every firm, banker, broker, or advisor in finance, has different interests. Namely, their own. And sure, this is a black and white view. There are many unbiased financial advisors too.

But why should you give them your money if you can invest your money by yourself? Instead of buying individual stocks, Jack Bogle demonstrated that it’s much better to buy all the stocks in a certain index, industry, group, or even country.

History has shown us that indexing outperforms the majority of mutual funds. Plus, the fees of index funds are lower because they don’t have managers or expensive offices.

5. A Random Walk Down Wall Street by Burton G. Malkiel

Malkiel is an economics professor at Princeton. Usually, economics professors are the last people you should take financial advice from because they are disconnected from the real world (read Skin In The Game by Nassim Nicholas Taleb for more thoughts on that idea).

But Malkiel is different. A Random Walk Down Wall Street digs deep in various investment strategies but remains practical at all times.

One of my friends who’s a successful investor recommended this book to me. And after doing some research online, I found that it’s one of the most recommended books on investing by investors.

Again, this book advocates indexing overactive trading. But because Malkiel is an economist, he does a much better job of explaining how markets work.

It’s actually very comforting. Markets are truly efficient. For every action, there’s a reaction. If that weren’t the case, the Western World would have collapsed when Lehman did.

6. The Simple Path to Wealth by JL Collins

If you want to read only one book on this list — pick this one. The proposed plan in this book comes close to my personal financial strategy.

Collins is a practical man. And The Simple Path to Wealth is the most practical book I’ve read on personal finance.

He recommends saving 50% of your income. And that’s what I believe in too. The more you save early in your career, the better.

His strategy is super simple. If you’re still building wealth and are working, Collins says you should do two things:

How To Think Like A Wealthy Person Pdf free. download full

  1. Save enough so you have “F-You money.” Have enough money in the bank that gives you the freedom to do anything you want for a longer period (it’s up to you to decide how much you need, depending on your monthly expenses).
  2. Put 100% of the money you want to invest (this is money you save on top of your F-You money) in the Vanguard Total Stock Market Index Fund (VTSAX).

Risky? Yes. Most upside? Hell yes.

If you plan on retiring within 10 years, put 80% in the VTSAX, 15% in the VBTLX (bonds index), and 5% in cash. That’s what Collins recommends. Of course, it’s his opinion. And he’s not a fortune teller.

The point of all these books is to educate yourself enough so that you can make the best decision for your own personal situation.

7. The 4-Hour Workweek by Tim Ferriss

Until now, I shared books that tell you WHAT to do with your money. But HOW do you even make money? If you have only one income stream, it’s time to change that.

How To Think Like A Wealthy Person PDF Free Download

It’s one thing that no book on personal finance addresses. My personal view is that valuable skills result in more income.

How To Think Like A Wealthy Person PDF Free Download

In general, the better you are at your job, the better your compensation is. It’s also true for entrepreneurship. That’s why I’m an advocate of investing in yourself.

Tim Ferriss started a revolution of making passive income online. With the tools and ideas in The 4-Hour Work Week, you can learn how to create your own passive income streams.

Because it’s great to invest your money. It’s also great to invest in skills that can make you money.

How To Think Like A Wealthy Person PDF Free Download Books

8. How to Stop Worrying and Start Living by Dale Carnegie

After the first time I lost money on the stock market, it took me eight years to make another investment. Why?


One of the most important lessons I’ve learned from reading about investing and talking to investors is that it’s scary. No matter how much you know about investing, the fear will never go away.

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So if you want to be a good investor, learn how to deal with the fear. And this book by Carnegie is one of the best books to help you do exactly that.

Because at some point, you have to decide how you’re going to invest your money. And, if you don’t have a clear strategy, it’s maybe even better to not invest at all. Because that’s also a decision.

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So after you educate yourself and know enough(you don’t need to know everything), it’s time to act in your own best interest.