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Secrets of the Millionaire Mind

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"I release my nonsupportive money experiences from the past and create a new and rich future."

— T. Harv Eker, Secrets of the Millionaire Mind (2005)

Introduction

Secrets of the Millionaire Mind
Full titleSecrets of the Millionaire Mind: Mastering the Inner Game of Wealth
AuthorT. Harv Eker
LanguageEnglish
SubjectPersonal finance; Wealth psychology; Mindset
GenreNonfiction; Self-help
PublisherHarper Business
Publication date
15 February 2005
Publication placeUnited States
Media typePrint (hardcover, paperback); e-book; audiobook
ISBN978-0-06-076328-2
Goodreads rating4.2/5  (as of 10 November 2025)
Websiteharpercollins.com

📘 Secrets of the Millionaire Mind is a 2005 personal-finance/self-help book by T. Harv Eker, published by Harper Business on 15 February 2005. [1] It advances an “inner game of wealth” thesis centered on a subconscious “money blueprint,” a framing Eker used widely in his seminars. [1][2] Structured in two parts, Part I describes how a money blueprint forms; Part II sets out seventeen “Wealth Files” that contrast how rich, poor, and middle-class people think and act, with specific action steps. [1] The prose is direct and seminar-style, blending anecdote, instruction, and exercises. [1] HarperCollins bills the book as a #1 New York Times, Wall Street Journal, and USA Today bestseller. [1] On the New York Times Advice, How-To & Miscellaneous list for the week ending 26 February 2005 it ranked No. 2; Eker’s official site later claimed more than five million copies sold. [3][4]

Chapters

Chapter 1 – Who the heck is T. Harv Eker, and why should I read this book?

👤 At seminar openings, the material is offered as an experiment: test every claim against results. After a run of failed ventures, Eker moves back to his parents’ house for the third time, living in the basement “lower-level suite,” when a wealthy friend of his father—dropping by to play cards—remarks that rich and poor people think differently and outcomes follow. Eker studies the psychology of money and runs a test: with no capital, he borrows $2,000 on a Visa card to open one of the first retail fitness stores in North America. He focuses, disciplines his thinking, and grows fast; within two and a half years he has ten stores and sells half the company to a Fortune 500 firm for $1.6 million. He then moves to San Diego, coaches one-on-one, and founds the Street Smart Business School, where he sees two people hear the same strategy yet only one executes. The pattern hardens into a rule: external tools work only when the “inner game” is set, which leads to the Millionaire Mind Intensive and this book’s two-part structure. A subconscious financial blueprint shapes attention, risk-taking, and follow-through, so similar knowledge yields different outcomes depending on that script. Rewriting that blueprint with awareness, declarations, and disciplined action aligns behavior with effective wealth-building habits. Don’t believe a word I say.

Chapter 2 – Your money blueprint

🧠 In a two-hour evening seminar, a sharply dressed attendee explains he has been stuck at about $500,000 a year; a year after resetting his “blueprint,” he emails to report $2 million and returns to aim for $10 million to expand his giving to an AIDS charity in Africa. Reversion to a financial set point helps explain why lottery winners tend to slide back while many self-made millionaires rebuild; Donald Trump is given as a case in point. A “money blueprint” is a preset, subconscious program formed largely in childhood by what you heard, saw, and experienced around money. The process is cast as a chain—thoughts lead to feelings, feelings to actions, actions to results—driven by prior programming (P→T→F→A=R). Because blueprints can diverge across domains, one San Diego acquaintance earns easily yet misfires on every investment, while others seem to have a Midas touch. To change results, treat the money blueprint like a thermostat and reset it rather than relying on external tools, or performance drifts back to the mind’s set number. Practical reconditioning includes daily verbal declarations spoken aloud, hand on heart, with attention to posture and tone. Money problems are effects, not causes; upgrading the inner script is the reliable way to improve the outer numbers, because aligned programming lets the same opportunities and skills finally compound. Your income can grow only to the extent you do!

Chapter 3 – The Wealth Files: seventeen ways rich people think and act differently from poor and middle-class people

💰 Christine Kloser reports that after the Millionaire Mind Intensive her business grew by 400 percent in one year as she adopted the money-management system—allocating income across separate accounts, including 10 percent to a Financial Freedom Account and daily deposits into a home “Financial Freedom jar.” Another case, Emma, begins with one dollar a month; by doubling each month she divides $2,048 in month twelve, then later puts a $10,000 bonus straight into her FFA because the habit is installed. These examples introduce seventeen “Wealth Files,” each contrasting a rich-versus-poor mental script and pairing it with a declaration, a physical anchor, and concrete actions. File #1 sets the pattern: creators take the wheel while victims blame, justify, or complain, and a seven-day no-complaint challenge breaks that loop. File #3 demands commitment—choosing to be rich rather than merely wanting it—while later files push thinking bigger, focusing on opportunities, and admiring rather than resenting success. File #9 teaches scale by growing yourself larger than your problems, illustrated by the level-2-person versus level-5-problem gauge. File #13 shifts attention from paychecks to balance sheets, defining net worth precisely and tracking it every ninety days across four factors: income, savings, investments, and simplification. File #14 makes management non-negotiable through six earmarked accounts and jars, and File #15 has money do the work by never spending FFA principal—only the passive income it produces. Installing these files raises the financial set point so choices, habits, and systems align with wealth rather than survival; because each file couples belief with behavior, focused repetition reshapes identity, and identity drives durable economic outcomes. The true measure of wealth is net worth, not working income.

Chapter 4 – So what the heck do I do now?

🚀 This closing section moves from explanation to execution, treating reading as a warm-up and insisting that results depend on what you do next. It recaps the “money blueprint” and directs you to complete three conditioning drills—verbal programming, modeling, and specific-incident work—while repeating daily declarations. It ties back to the seventeen “Wealth Files” and instructs you to memorize each by saying its declaration and completing the action exercises at the end of every file. Lasting change, it says, occurs as practice rewires the brain, so the material must be acted on, not just discussed. To bypass the “little voice” that dismisses the exercises, notice it as conditioned mind-talk and continue anyway. To reinforce the habits, reread the book monthly for a year and use the online tools, including an “action reminder” and a net-worth tracking sheet. The section ends with an invitation to the three-day Millionaire Mind Intensive, described as a weekend that resets your “money blueprint” “on the spot,” with a limited-time scholarship for you and a family member. The emphasis is repetition and structure so the principles become automatic in daily choices. Consistent declarations and targeted exercises recondition attention and behavior, which raises the financial set point; paired with measurement and community, the new defaults stick and compound over time. Reading is a start, but if you want to succeed in the real world, it’s going to be your actions that count.

—Note: The above summary follows the Harper Business hardcover edition (2005; ISBN 978-0-06-076328-2).[1][5]

Background & reception

🖋️ Author & writing. Eker built a seminar business before the book: Publishers Weekly reported in 2004 that Harper Business had signed his project and noted he had grown a personal-success seminar venture into a multimillion-dollar business. [6] His company Peak Potentials Training was acquired by Success Resources in 2011, underscoring the live-events platform behind the book’s ideas. [7] On the page, he frames the program around a subconscious “money and success blueprint” and offers practical “Wealth Files” with specific actions, in a seminar-derived, conversational voice that mixes anecdotes with exercises. [1][8]

📈 Commercial reception. HarperCollins markets the book as a #1 New York Times, Wall Street Journal, and USA Today bestseller. [1] Contemporaneous lists show strong performance: on the New York Times Advice, How-To & Miscellaneous list for the week ending 26 February 2005, it placed No. 2. [9] The Wall Street Journal’s business-book lists also logged repeated appearances, including 9 December 2005 and further weeks in 2006–2007. [10][11][12] Eker’s official site has since claimed cumulative sales exceeding five million copies. [13]

👍 Praise. Business Insider highlighted the book for mainstream readers, recommending it among “books that will change the way you think about money” and emphasizing the claim that rich people think and act differently. [14] The outlet also spotlighted practical “millionaire mind actions” readers can implement immediately. [15] A separate feature framed the core message as concrete daily choices that distinguish wealthy behavior. [16]

👎 Criticism. In 2007, Oliver Burkeman in The Guardian questioned the “abundance mentality” underpinning Eker’s courses and the high price of associated seminars. [17] Reviewing BBC Two’s 2011 documentary *Money*, Euan Ferguson in The Guardian described Eker’s patter as “exuberant nonsense,” grouping him with get-rich-quick gurus. [18] Earlier, *The Wall Street Journal* reported how Eker leveraged a seminar “platform” to propel early sales, suggesting success owed partly to aggressive direct-marketing rather than scholarly vetting. [19]

🌍 Impact & adoption. The book’s ideas and brand extended into global live events such as the “Millionaire Mind Intensive,” run by Success Resources and similar promoters through the 2010s and 2020s (e.g., UK events scheduled in 2025). [20][21] The wealth-guru milieu featuring Eker entered mainstream media via BBC Two’s *Money* (2011), which examined the appeal and influence of such programs. [22] Business press coverage has continued to cite his “mindset” framing in personal-finance explainers, reflecting ongoing cultural visibility. [23]

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References

  1. ↑ 1.0 1.1 1.2 1.3 1.4 1.5 1.6 1.7 "Secrets of the Millionaire Mind". HarperCollins. HarperCollins Publishers. Retrieved 10 November 2025.
  2. ↑ "Publisher description for Secrets of the millionaire mind". Library of Congress. Library of Congress. Retrieved 10 November 2025.
  3. ↑ "New York Times Bestsellers". SFGATE. 10 March 2005. Retrieved 10 November 2025.
  4. ↑ "T. Harv Eker — Official site". HarvEker.com. Retrieved 10 November 2025.
  5. ↑ "Secrets of the millionaire mind : mastering the inner game of wealth". WorldCat. OCLC. Retrieved 10 November 2025.
  6. ↑ "Short Takes". Publishers Weekly. 10 May 2004. Retrieved 10 November 2025.
  7. ↑ "Success Resources Acquires Peak Potentials Training To Grow Personal Success Training Globally". PRLog. Peak Potentials Training. 8 November 2011. Retrieved 10 November 2025.
  8. ↑ "Publisher description for Secrets of the millionaire mind". Library of Congress. Library of Congress. Retrieved 10 November 2025.
  9. ↑ "New York Times Bestsellers". SFGATE. 10 March 2005. Retrieved 10 November 2025.
  10. ↑ "Best Selling Books". The Wall Street Journal. 9 December 2005. Retrieved 10 November 2025.
  11. ↑ "Best Selling Books". The Wall Street Journal. 13 July 2006. Retrieved 10 November 2025.
  12. ↑ "Best Selling Books". The Wall Street Journal. 4 May 2007. Retrieved 10 November 2025.
  13. ↑ "T. Harv Eker — Official site". HarvEker.com. Retrieved 10 November 2025.
  14. ↑ "Books That Will Change the Way You Think About Money". Business Insider. 2 April 2016. Retrieved 10 November 2025.
  15. ↑ "Actions You Can Take to Start Getting Rich". Business Insider. 24 September 2015. Retrieved 10 November 2025.
  16. ↑ "Choices Rich People Make That the Rest Don't". Business Insider. 2 September 2015. Retrieved 10 November 2025.
  17. ↑ Burkeman, Oliver (23 June 2007). "The elusive secret of wealth". The Guardian. Retrieved 10 November 2025.
  18. ↑ Ferguson, Euan (4 December 2011). "Rewind TV: Money; Desperate Scousewives – review". The Guardian. Retrieved 10 November 2025.
  19. ↑ "Tip for Authors In a Sales Bind: Get a 'Platform'". The Wall Street Journal. 28 March 2005. Retrieved 10 November 2025.
  20. ↑ "Success Resources — Your Learning Partner". Success Resources. Retrieved 10 November 2025.
  21. ↑ "Millionaire Mind Intensive United Kingdom 2025". MillionaireMind.Live. Retrieved 10 November 2025.
  22. ↑ "Money — Vanessa Engle". Vanessa Engle. 15 February 2017. Retrieved 10 November 2025.
  23. ↑ "Books That Will Change the Way You Think About Money". Business Insider. 2 April 2016. Retrieved 10 November 2025.
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