T. Harv Eker Quotations

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.

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

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.

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

You must acquire the habits and skills of managing a small amount of money before you can have a large amount.

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.

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

If you want to make a permanent change, stop focusing on the size of your problems and start focusing on the size of you!

Nobody ever died of discomfort, yet living in the name of comfort has killed more ideas, more opportunities, more actions, and more growth than everything else combined. Comfort kills!

Poor people choose now. Rich people choose balance.

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

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.

In every forest, on every farm, in every orchard on earth, it's what's under the ground that creates what's above the ground. That's why placing your attention on the fruits that you have already grown is futile. You cannot change the fruits that are already hanging on the tree. You can, however, change tomorrow's fruits. But to do so, you will have to dig below the ground and strengthen the roots.

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.

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

Keep your eye on the goal, keep moving toward your target.

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.

Rich people focus on what they want, while poor people focus on what they don't want.

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.

The only time you are actually growing is when you are uncomfortable.

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.

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

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.

If you want to fly with the eagles, don’t swim with the ducks!

The more comfort becomes your priority, the more contracted you become with fear.

What you hear, you forget; what you see, you remember; what you do, you understand.

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.

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

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.

It all comes down to this: if your subconscious "financial blueprint" is not "set" for success, nothing you learn, nothing you know, and nothing you do will make much of a difference.

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

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

Until you show you can handle what you’ve got, you won’t get any more!

Rich people work hard and believe it's perfectly appropriate to be well rewarded for their efforts and the value they provide for others. Poor people work hard, but due to their feelings of unworthiness, they believe that it is inappropriate for them to be well rewarded for their efforts and the value they provide.

No thought lives in your head rent-free.

The world doesn’t need more people playing small. It’s time to stop hiding out and start stepping out. It’s time to stop needing and start leading. It’s time to start sharing your gifts instead of hoarding them or pretending they don’t exist. It’s time you started playing the game of life in a “big” way.

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.

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.

The by-product is that they more people you help, the "richer" you become, mentally, emotionally, spiritually, and definitely financially.

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.

Your field of focus determines what you find in life.

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.

Rich people choose to get paid based on results. Poor people choose to get paid based on time.

The third level of wanting is "I commit to being rich." The definition of the word commit is to "devote oneself unreservedly." This means holding absolutely nothing back; giving 100 percent of everything you've got to achieving wealth. It means being willing to do whatever it takes for as long as it takes. This is the warrior's way. No excuses, no ifs, no butts, no maybes-and failure isn't an option. The warrior's way is simple: "I will be rich or I will die trying."

My inner world creates my outer world.

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

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.

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.

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.

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

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

You will be paid in direct proportion to the value you create in the marketplace.

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

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.

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

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

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

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.

How you do anything is how you do everything.

The secret to freedom is to realize that you don’t have to believe your mind. You don’t have to believe your story. You don’t have to believe that voice in your head. You don’t have to believe your own thinking. You can simply observe it and say, “Thank you for sharing,” and then take the necessary action you’re scared to take anyway.

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.

Every master was once a disaster.

Money will only make you more of what you already are.

Research shows that the happiest people are those who use their natural talents to the utmost.

Rich people think long-term. They balance their spending on enjoyment today with investing for freedom tomorrow.

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!

Money is a big part of your life, and when you learn how to get your finances under control, all areas of your life will soar.

You design the life you want to have.

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

Remember, your motto is, if they can do it, I can do it!

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

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

When you’re engaged in what you love to do, it’s like driving in the fast lane. Time flies by and more roads open up to you, alternate routes you may not have even known existed.

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.

Never have a ceiling on your income.

You can be a victim or you can be rich, but you can't be both. Listen up! Every time, and I mean every time, you blame, justify, or complain, you are slitting your financial throat.

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

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.

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.

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.

Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.

Rich people see opportunities. Poor people see obstacles. Rich people see potential growth. Poor people see potential loss. Rich people focus on rewards. Poor focus on the risks.

What you cannot see in the world is far more powerful than anything you can see.

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.

What's the problem you solve? Solve it for one person. Create a system to do it without you. Duplicate.

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

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

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

Success is a learnable skill. You can learn to succeed at anything. If you want to be a great golfer, you can learn how to do it. If you want to be a great piano player, you can learn how to do it. If you want to be truly happy, you can learn how to do it. If you want to be rich, you can learn how to do it. It doesn't matter where you are right now. It doesn't matter where you're starting from. What matters is that you are willing to learn.

Rich people are bigger than their problems. Poor people are smaller than their problems.

Your wealth can only grow to the extent that you do!

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."

Success is a learnable skill. You can learn to succeed at anything

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.

Rich people think BIG. Poor people think small.

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