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Secrets Of The Millionaire Mind Summary (T. Harv Eker)
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Mar 3, 2025
Buckle up, capitalism-curious comrades! This week, we're dissecting T. Harv Eker's "Secrets of the Millionaire Mind" — a book that's basically a psychological excavation of why you're probably sabotaging your own bank account without even knowing it. Imagine if your money trauma, family history, and deeply ingrained beliefs about wealth decided to throw the most chaotic house party in your brain. That's this book. We're unpacking the wild world of "money blueprints" — those invisible scripts that have been programming your financial destiny since childhood. Spoiler alert: Your broke uncle's opinions are NOT financial gospel. Eker argues that your financial success is less about spreadsheets and more about the absolutely bonkers psychological landmines you've been stepping on your entire life. We'll explore how your parents' whispered conversations about money, your childhood experiences, and those deeply internalized narratives are basically the most elaborate financial self-sabotage mechanism known to humanity. Prepare for: A ruthlessly honest breakdown of how your brain is basically a wealth-repelling mechanism Revelations that will make you want to simultaneously call your therapist and fire your inner critic Strategies for rewiring your money mindset that don't involve becoming a crypto bro This isn't your standard "get rich quick" nonsense. This is a psychological deep dive into why you keep treating money like a toxic ex you can't quite break up with. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Book Summary – Secrets of the Millionaire Mind https://creativeaspirant.com/secrets-of-the-millionaire-mind-summary-t-harv-eker/
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all right diving deep today we're
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cracking open Secrets of the millionaire
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mind oh interesting choice yeah but not
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for like a get-rich quick thing you know
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right more about how do millionaires
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actually think yeah that's what T har
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eer gets at right like it's not just the
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steps you take it's the mindset no magic
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formula here no but be ready to rethink
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some stuff definitely because we're
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going deep on financial thermostats even
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like how cutting a ham the wrong way can
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Reveal Your Money mindset uh-huh yeah
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that's a good one I know right so eer
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really goes beyond just budget this
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invest that kind of advice yeah he says
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there's this whole inner blueprint for
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wealth okay break that down for me this
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money blueprint thing so imagine a
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carpenter right skilled one okay got it
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right tools knowledge experience makes
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sense they can build something amazing
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yeah but someone without those even with
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the same materials might struggle just
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to build a basic shed you know oh
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interesting and eer saying it's the same
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with wealth so your inner tools are just
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as important as knowing about like
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stocks or whatever it's not just
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Financial advice your inner tools your
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beliefs they're crucial so you could be
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doing all the right things financially
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but if your like underlying beliefs are
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messed up could sabotage yourself
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without even realizing it wow that money
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blueprint it's running in the background
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so where does this blueprint even come
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from like are we just born with it eer
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says says it's shaped by experiences
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especially childhood okay makes sense he
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talks about three big things verbal
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programming modeling and specific
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incidents all right unpack those a
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little so verbal programming think about
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phrases you heard about money growing up
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oh man money doesn't grow on trees that
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one for sure classic right and it's not
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just the negative ones what do you mean
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even seemingly harmless
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phrases repeated over time they sink in
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shape how you think about money like a
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subconscious script or something exactly
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and it's not just what was said okay
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what else then what wasn't said like if
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your parents just avoided talking about
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money that silence can speak volumes too
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huh never thought about it that way
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right and then there's modeling okay
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modeling we unconsciously pick up habits
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from our parents like their money habits
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so it's not just what they tell us but
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what they do exactly akre has this funny
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example woman cutting the ends off a ham
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before cooking it okay why asks her mom
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why do you do that Mom says that's how
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my mom always did it uh-huh okay love it
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so they go to Grandma Grandma's the
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source and Grandma's like my pan was too
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small oh no we inherit these patterns
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even if they make no sense that's wild
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but it makes sense you know you just
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kind of absorb things exactly and then
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the third one specific incidents what's
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that emotionally charged experiences
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especially in childhood that link money
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to strong feelings okay I can see how
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that would be powerful right right acre
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tells this really poignant story about
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Josie a nurse what happened to her she
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could never save money huh turns out
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when she was 11 her father died oh I'm
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so sorry yeah heart attack during a big
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argument about money oh wow so she
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linked money with pain loss yeah it
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drove her spending without her even
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realizing it that's heartbreaking but I
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can see how those incidents even if they
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happened a long time ago they stick with
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you yeah they could really shape how you
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view
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exactly so you've got these three forces
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shaping the money blueprint verbal
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programming modeling and specific
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incidents it feels like it would be
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tough to break free from that it's a
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challenge yeah but not impossible that's
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where eer insights become really useful
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okay good cuz that was getting kind of
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heavy right but he doesn't just point
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out the problem he gives you tools
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exactly but before we get to those
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there's this other big concept the
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financial thermostat ooh I've heard
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about that have you yeah is it kind of
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like your comfort level with wealth you
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got it think of your home's thermostat
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keeps the temperature steady right erre
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says our minds have a financial
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thermostat too so there's a level of
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wealth I'm comfortable with a level your
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subconscious Works to keep you at so
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even if I'm working hard to earn more my
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subconscious might be sabotaging you
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yeah it happens Remember When Donald
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Trump had those huge financial setbacks
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yeah but he bounced back right exactly
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eer uses that as an example of a high
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Financial thermostat so even when things
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went bad his internal setting pulled him
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back up huh so someone's stuck in debt
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maybe it's not just bad luck maybe their
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thermostat set too low whoa that's kind
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of scary but also good to know because
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maybe you can change it that's the key
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and that's where E's declaration
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technique comes in ooh I'm intrigued
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tell me more it's a powerful tool okay
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but to understand it we got to talk
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about the four quadrants of existence
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that eer outlines four quadrants lay it
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on me physical spiritual emotional and
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mental okay I'm following he says if you
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only focus on the physical side of money
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like numbers and strategies you're
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missing something you're missing the
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whole picture okay so it's like trying
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to bake a cake with only flour no sugar
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or eggs M Perfect Analogy huh that's try
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true wealth needs balance across all
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four quadrants okay I'm starting to see
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the connection it's about how your
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emotions your beliefs even your
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spiritual Val vales all tie into your
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financial well-being this is getting
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really interesting right eer is not just
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giving Financial tips it's deeper than
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that he's getting you to rethink your
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whole relationship with money okay I'm
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hooked yeah but before we go any further
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can you explain more about these four
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quadrants why are they so crucial let's
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do it but we'll have to save that for
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the next part of our Deep dive all right
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Cliffhanger can't wait to hear more all
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right back into those four quadrants of
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existence we were talking about okay
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yeah those were really intriguing
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crucial to E's whole framework remind me
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what were they again physical spiritual
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emotional and mental right right and he
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links them all to our financial
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well-being it's fascinating so the
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physical one that's like pretty
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straightforward yeah the tangible stuff
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money possessions all that exactly most
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obvious part of wealth right but eer
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says focusing only on that physical
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stuff can backfire can create imbalance
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so like someone working themselves to
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the Bone chasing money ignoring
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everything else yeah their health their
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relationships they might get rich but
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still be miserable exactly true wealth
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it's got to be balanced across all four
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I'm starting to see how this ties into
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the whole money blueprint idea right
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it's all connected so what about the
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spiritual quadrant where does that fit
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in with money this is where it gets
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really interesting okay I'm all yours
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it's about your sense of purpose like
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connecting to something bigger than
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yourself okay and eer saying when your
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financial goals are aligned with that
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with your purpose yeah that's where real
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motivation comes from not just wanting
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more stuff it's deeper so it's about
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figuring out why do I want to be wealthy
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exactly what's the meaning behind it
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what will you do with that wealth so
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it's less about getting rich and more
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about living a fulfilling life using
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money as a tool wow yeah that's powerful
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right it's about aligning your finances
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with your values Okay so we've got the
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physical the spiritual what about
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emotional how do our feelings about
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money play into this huge one eer says
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unresolved emotional issues especially
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around money can sabotage you big time
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remember Josie the nurse yeah whose dad
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died during an argument about money
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right so she linked money with pain loss
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and it affected her spending makes sense
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our emotional baggage can show up in all
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kinds of ways like what maybe you're
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afraid of success really why would
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anyone be afraid of success sometimes
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it's about feeling unworthy yeah or
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maybe you cling to debt even if it's
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stressful because it feels familiar safe
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in a weird way oh wow I never thought
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about it that way eer says we got to
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address those emotional blocks how do
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you even do that therapy can help
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journaling just getting those feelings
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out there even talking to trusted
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friends or family okay so acknowledging
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those wounds finding healthy ways to
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heal otherwise they'll keep impacting
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your finances no matter how much you
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earn yeah that makes a lot sense right
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and then finally the mental quadrant
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okay the mental game this is where your
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thoughts beliefs attitudes about money
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all live so this is where the money
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blueprint and the financial thermostat
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come in Bingo it's about recognizing
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those limiting beliefs the ones we've
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inherited or maybe just picked up along
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the way and replacing them with
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empowering ones easier said than done
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right which is where eager's declaration
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technique comes in remember that yeah
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but it's not just saying some
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affirmations and hoping for the best
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right definitely not eer talks about
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congruence congruence your actions got
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to match your declarations walk the walk
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not just talk the talk exactly if you're
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declaring abundance but clinging to
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scarcity habits you're sending mixed
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signals so how do we bridge that Gap how
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do we actually live these new beliefs
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small consistent steps okay give me an
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example say you're declaring Financial
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Freedom start setting aside a little bit
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each month to invest even if it's just a
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small amount every bit counts or finally
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launch that side hustle you've been
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dreaming about so taking action even if
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it feels scary that's how you push past
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that Financial thermostat setting expand
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your comfort zone cuz our subconscious
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is going to try and pull us back to
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what's familiar it will but the more you
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take those aligned actions the stronger
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those new beliefs become and the more
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you expand your capacity for wealth this
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is making so much sense so the four
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quadrants physical spiritual emotional
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and mental they all work together they
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create a holistic picture of wealth and
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each one influences the others can't
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ignore any of them it's about finding
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balance Harmony and that's where true
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wealth comes from that's where it
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resides Okay so we've got these four
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quadrants and we talked about those
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wealth files earlier the differences in
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how rich people think want to jump back
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into those yeah let's do it okay there's
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one that really stands out to me it's
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weal file ash7 what's that one rich
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people associate with positive
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successful people poor people associate
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with negative or unsuccessful people ooh
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that's a good good one sounds simple but
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there's a lot to unpack there it's all
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about your Social Circle you've heard
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that saying right you're the average of
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The Five People You spend the most time
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with it's true if you're surrounded by
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people who are always complaining about
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money or stuck in a scarcity mindset
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it's hard to break free so it's not
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about ditching your friends who are
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struggling no not at all but being more
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mindful of who's influencing you exactly
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seek out mentors Role Models people who
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are already living the reality you want
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their energy rubs off on you their
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beliefs their actions it all helps raise
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your own Financial therat okay I can see
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that and on the flip side setting
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boundaries with people who might be
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bringing you down protecting your own
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energy yeah it's not about judging
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anyone just choosing your influences
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wisely you know what interesting eer
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also talks about being a good receiver
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what does that mean like being open to
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help or gifts it's bigger than that
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Health file # 10 okay what's number 10
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rich people are excellent receivers poor
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people are poor receivers huh that
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sounds kind of strange it's about your
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capacity to receive abundance not just
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money but all good things exactly
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letting go of that resistance the
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feeling of not being worthy and allowing
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good things to flow in a lot of people
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struggle with that right they push away
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opportunities feel undeserving yeah I've
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totally done that eager challenges that
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he says generosity needs to be balanced
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with with selfworth that's really
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insightful and the more you receive the
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more you have to give it's a cycle okay
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let's look at one more wealth file if we
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have time all right let's go with wealth
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file ash5 what's that one say rich
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people have their money work hard for
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them poor people work hard for their
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money oh yeah the make money while you
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sleep idea that's it rich people
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understand their time is valuable so
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they're not trading time for money they
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invest in assets that generate income
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real estate stocks businesses that kind
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of thing while people people stuck in
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the working hard for money trap are
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limited by how many hours they can work
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right they hit a ceiling erra Compares
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it to building a well for constant water
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versus carrying buckets back and forth
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that's a great analogy it's about
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working smarter not just harder creating
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systems that work for you this is so
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inspiring it's like you're not just a
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victim of circumstance you can create a
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life where money isn't this constant
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source of stress but a tool for Freedom
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exactly it's all about financial
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education learning how to make your
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money work for you it's empowering this
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is amazing we're not even done yet and
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I'm already feeling like I have a whole
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new perspective it's incredible how
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these wealth files All Connect they
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create a whole mindset E's not giving
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you rigid rules it's more like
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invitations to think differently see
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where you might be holding yourself back
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without beating yourself up right it's
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about awareness and then taking action
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okay we've covered so much ground but
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eers goes even deeper right like
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Financial fears managing risk creating a
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filling life are we ready for the final
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part of our deep dive let's do it I
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can't wait to see what else eer has to
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share okay final part of our Deep dive
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into secrets of the millionaire mind can
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you believe how much we've already
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covered I know right ecker's book is so
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packed with insights it really is and
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we've talked about the money blueprint
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the wealth files those four quadrants of
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existence all that good stuff but you
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know there's one thing we haven't
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touched on yet that holds so many people
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back what's that fear oh yeah for sure
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fear of failure fear of losing money
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fear of making the wrong choice it can
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be paralyzing totally an echer addresses
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this head-on okay good cuz I was
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wondering about that he says rich people
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act in spite of fear poor people let
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fear stop them it's easy to say that but
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harder to actually do right it's not
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about being Reckless but about
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calculated risks exactly so how do you
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shift that if you're naturally risk
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averse that's what I'm wondering picker
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suggests a worst case scenario
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exercise what ask yourself what's the
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absolute worst that could happen H
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interesting often when you really look
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at it the fear isn't as big as you
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thought right and even if the worst does
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happen to usually handle it we're more
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resilient than we give ourselves credit
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for that goes back to that I create my
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life mindset exactly taking ownership
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even when things are uncertain not
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playing the victim exactly Okay so we've
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talked about fear risk
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but what about the bigger picture yeah
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like what's the point of all this wealth
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building what's E's take on that he has
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this great line money will make you more
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of what you already are H that's
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profound it's not about the money itself
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it's what you do with it if you're
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already generous wealth might amplify
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that but if you're greedy it could make
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you more greedy who that's a scary
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thought that's why the inner work is so
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important right if your values aren't
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aligned with your goals you might
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achieve success but still still feel
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empty inside this is where those four
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quadrants come back in great full circle
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true wealth it's holistic it's not just
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about the money it's about your
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well-being your relationships your
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purpose using money as a tool to create
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a life you truly value wow we've covered
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so much today from the money blueprint
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to those wealth files fear risk even
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this whole idea of what wealth actually
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means it's been quite a journey eager's
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book is full of amazing insight
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and you've asked such insightful
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questions well you've been an amazing
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guide helping to connect all the dots oh
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thanks but the real work starts now you
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know right putting these ideas into
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practice ker is all about taking action
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experimenting becoming active
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participants not just passive listeners
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exactly and I want to leave you with
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this final thought from eer okay hit me
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with it the only way to permanently
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change the temperature in the room is to
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reset the thermostat wow that's a great
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analogy for what we've been talking
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about right lasting change comes from
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hting those deeper beliefs upgrading
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that internal Financial thermostat this
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has been an amazing deep di it really
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has thank you so much for sharing your
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expertise and insights it's been my
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pleasure and to you listening what
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resonated with you today which wealth
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file will you upgrade first keep those
16:47
thoughts going and until next time happy
16:49
diving
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