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Episode 1085 · Feb 12, 2025

Money Mindset: T. Harv Eker's Wealth Formula and Financial Blueprint Principles

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George Wright III, host of The Daily Mastermind, has spent years studying and working alongside some of the world's top financial educators. In this episode, he draws on his personal experience working with T. Harv Eker, including events across North America, Asia, Australia, and New Zealand, to break down the core principles of money mindset that Eker has spent decades teaching.

The core message is simple but powerful: money is a result. Not a goal, not a lucky break, but a direct outcome of what is happening inside your mind. If you want to change your financial life, you have to start with your inner game.

Why Money Is a Result, Not a Goal

Most people spend their lives chasing the fruits rather than tending the roots. They focus on the external signs of wealth without addressing the internal beliefs that produce it. George explains that your financial results are a direct reflection of your inner beliefs. Rich or poor, your bank account is essentially a mirror of your mindset.

This is the foundation of everything T. Harv Eker teaches. If your mindset is not aligned with wealth, you will sabotage your own success, often without realizing it. The first step is accepting that your money situation is not a matter of luck or circumstance; it is a reflection of how you think.

How the Wealth Formula Works

Eker's wealth formula follows a clear chain: your thoughts lead to feelings, which lead to actions, which create your results. George emphasizes that this is not just a motivational concept. It is the actual mechanism behind your financial life.

Your thoughts about money shape your emotions. Those emotions determine whether you pursue opportunities or shy away from them, whether you take calculated risks or play it safe. Your actions, driven by those emotions, then produce your financial results. To change the results, you have to work upstream and change the thoughts.

Rich people are committed to being rich. Poor people only want to be rich.

This distinction matters enormously. Saying you want wealth and actually committing to it through daily habits and decisions are two very different things.

What Is Your Financial Blueprint

Everyone has what Eker calls a financial thermostat: a subconscious set point that determines how much wealth you believe you deserve and can sustain. This blueprint is shaped in childhood by the people around you, the experiences you had, and the beliefs you absorbed. As an adult, it continues to be reinforced by your own experiences and self-concept.

The problem is that even when you consciously tell yourself you want more, your subconscious thermostat may be set to a lower figure. And like a real thermostat, it will keep pulling you back to that set point, no matter how hard you push past it temporarily. Identifying where your thermostat is set is an essential step toward raising it.

George suggests journaling as one practical tool. Dan Sullivan and Dr. Benjamin Hardy have observed that most people let their past define their future, while successful people give their past new meaning by viewing it through the lens of who they are becoming.

How Rich People Think Differently

Eker's 17 Wealth Files outline the specific mental patterns that separate wealthy, financially successful people from those stuck in scarcity. George shares several that stand out:

  • Rich people believe "I create my life." Poor people believe "Life happens to me."
  • Rich people play the money game to win. Poor people play not to lose.
  • Rich people think big. Poor people think small.
  • Rich people focus on opportunities. Poor people focus on obstacles.
  • Rich people are excellent receivers. Poor people are poor receivers.
  • Rich people choose to get paid based on results. Poor people choose to get paid based on time.
  • Rich people focus on their net worth. Poor people focus on their income.
Rich people focus on opportunities. Poor people focus on obstacles.

These are not judgments. They are patterns of thinking that either open doors or close them. The question to ask yourself is: which pattern am I running right now?

Why Building Outer Game Skills Matters Too

Mindset is necessary, but it is not sufficient on its own. Eker is clear that you also have to develop real-world skills, habits, and systems. George reinforces this by pointing out that wealth is built through exchanging value in the marketplace, through education, and through smart investing.

Lifelong learning is one of George's core prosperity pillars for a reason. The world is changing fast, and tools like AI are making it possible to become more skilled and productive than ever before. Committing to continuous education, going deep in your area of focus, and taking consistent action in your business are all essential components of the outer game.

Action Steps

  • Write down your limiting money beliefs. Be honest about what you actually think about money, earning, and wealth. Are you carrying beliefs like "money is hard to earn" or "rich people are greedy"?
  • Use daily affirmations to reprogram your subconscious. T. Harv Eker suggests phrases like "I am a money magnet." Repeat them consistently to begin shifting your internal programming.
  • Trace your financial thermostat. Journal through your past experiences with money and look for the patterns. Then reframe those experiences as context for growth rather than evidence of limitation.
  • Assess your thinking patterns against Eker's Wealth Files. Pick one or two of the rich vs. poor thinking distinctions and honestly evaluate which side you are on right now.
  • Commit time each week to building your skills. Schedule dedicated learning time in the area where you want to grow financially, and go deep rather than spreading yourself thin.

The principles T. Harv Eker built his career on are not complicated, but they require honest self-examination and consistent practice. Your thoughts shape your feelings, your feelings drive your actions, and your actions create your results. Start with one limiting belief this week, replace it with an empowering affirmation, and begin the work of raising your financial thermostat. It is never too late to start living the life you were meant to live.

READ THE FULL TRANSCRIPT

All right, welcome back to The Daily Mastermind, George Wright III with your daily dose of inspiration, motivation, and education. And I'm excited today to get into some money principles with you. We're, as a reminder, we're doing our 21 Days of Authority to really commemorate the launch of our new Authority podcast with Valiant CEO Magazine. So if this is your first time listening, make sure you smash that subscribe button. I don't want you to miss any episodes, but the reason I created the Daily Mastermind is to make sure that you have the ability to stay balanced in areas of mind, body, money, business, so you can create the life you want to create. As business owners, CEOs, entrepreneurs, you're listening to this show because you're trying to create your best life. And sometimes we get real busy and it causes distractions. And my job and my goal, my mission here is to remind you it's not too late to live the life that you're meant to live. So we're going to get right into it because this week we are highlighting several really good thought leaders, individuals that I've had the personal opportunity to work with and learn from. And one of those individuals is T. Harv Eker. And I did, I remember doing a lot of events out in Asia, Australia, New Zealand And with Harv, also in the US, if you've ever been to his Millionaire Mind Intensive, we have done those events all over North America. But one of the things he's most well known for is this idea of money is a result. And so each day we try to highlight, like I said, mind, body, money, business and lifestyle. And today we're going to talk about money and we're going to talk about your money game. and one of the things and what I'm going to do is I'm going to share with you some of the key principles that he teaches and things that I've learned from him personally over the years and you know it's this idea that money is a result and the power of your inner game to make things happen see most people chase the the fruits versus the roots and what I mean by that if you haven't heard that that phrase or analogy before is that a lot of times we're searching for the things that are the result of activities and hard work. And money is no different. Money is a result. Money is a result of your inner game. In other words, your financial results are a reflection of your inner beliefs. And I've found this over time. I think most successful entrepreneurs and business owners recognize that you've got to develop your inner game in order to get your outer game of wealth to ever translate for you. And it's super important that you realize this. And this is the common theme that happens throughout, you know, Harv Ecker's, you know, T. Harv Ecker's trainings. It's this idea that if your mindset is not aligned with your wealth, you're going to sabotage your success. us. We know that thoughts create your life. We know that your thoughts will manifest into your actions and realities, which we'll talk about here in a minute. But the first basic understanding you need to recognize and accept is that money is just a result. It's a result of your actions. It's a result of your activities. It's a result of the way you think. And so it's very important for you to understand what that means to you because a lot of us were brought up and we grew up and based on our surroundings, based on our circumstances, based on what we were taught, that money is scarce, that money is not abundant, that money is a hard thing to come by, that it's a limited quantity. And you have to get your mindset changed around this idea. You have to start to learn that when you create a mindset of abundance and you create a mindset that is focused on solutions and that you recognize that there is more than enough out there and that you have what you need to make it happen the bottom line is the result going to happen in you increasing your money game So the first and most important principle you need to realize and recognize is that your financial results are a reflection of your inner beliefs And so a strategy that you might do is it's really important for you to identify and rewrite, maybe physically rewrite your money beliefs. Write down what you think is holding you back. Do you feel like money is hard to earn? Do you feel like rich people are greedy? I'm going to get into a minute about how successful wealthy people think, but really put some thought and time into this. The next thing you need to understand is really the equation and formula for how this all happens. And this is another thing that Harv is very well known for. He talks about this wealth formula. And the wealth formula is kind of the same as the formula we talk about for creating your best life. And that is your thoughts. Just follow me here on this formula. Your thoughts lead to your feelings, which lead to your actions, which create your results. And it's no different for the formula of wealth. Your thoughts around money will create feelings that you will have that will determine your actions. It will determine whether you're taking opportunities and risks, whether or not you're doing action and productivity. And as a result, you will have what you have when it comes to wealth. So that wealth formula is so important. It's not just a mindset principle we talk about. Your thoughts lead to feelings, lead to actions, lead to results. And your thoughts about money shape your emotions. That's what drives your activities right now in business and it creates your financial reality. So the strategy you need to really think about here is how do you reprogram your subconscious through things like daily affirmations through things like pushing through when you feel like you're not in the mood, things that we talk about in our prosperity pillars. Harv likes to use the term, I am a money magnet. Find ways to create affirmations and confirmation to program your subconscious mind. We always talk about your job with your brain and your mind is to train it like a tool and your subconscious mind is no different. Daily affirmations will be a great strategy for you to sort of program that formula into your mind. I am a money magnet. I do attract wealth. I am, I am, I am. Those things that are very important. So once you realize that money is a result of your inner game and you recognize what leads you to getting that result and don't Don't underestimate the power of your feelings in that equation. But once you realize the equation that gets you there, then you have to recognize another thing. And this is a principle that not only T. Harv Ecker talks about, but Ed Milat and many others. And that's the idea that your money has a blueprint. Now, what do I mean by that? Well, the analogy we use in the past is a financial thermostat. It's a financial thermostat. See, when you take the temperature of where you are in your life, you're measuring where you are with your financial wealth. But a thermostat, if you know how that works, when you set the temperature on a thermostat, you may heat it up past that temperature, but the temperature always comes back to whatever that set point is you have on the thermostat. And it's no different with money. We all have a financial set point, a financial thermostat blueprint that is shaped by our childhood, our experiences, our conditionings. And as you get older in life, it's shaped by your actual experiences where you begin to think subconsciously, this is what I'm worth. This is what I can make. This is what's possible. So even though you may be telling yourself you're going to do more, and even though you may tell yourself you're going to have more consciously and subconsciously, you may not believe it And that your financial thermostat So entrepreneurs for example if your money blueprint is low you unconsciously repel your wealth You unconsciously never have that confidence to be able to go to the next level So you have to identify and recognize where your financial blueprint or thermostat is set And this might help you by taking strategies like journaling, walking through past experiences so that you give the proper perspective. You know, Dan Sullivan talks about when you and Dr. Benjamin Hardy, most people, their past, you know, creates and influences their future. Successful people take their present and future and give meaning to their past. So you might have had some bad experiences with money. you might've felt like you haven't been able to earn. But when you reflect back through journaling on past experiences around money, what you can do is you can change the context and you can create a context that is empowering for you to do more. So try to put these things together with me here for a minute. Your money is a result of your inner game, just like all of your life is a result of your inner game. And you've learned that there's a formula where your inner thoughts and feelings create your actions, which drive results. and now you're starting to recognize that you may have a money blueprint already established that you've got to dig into and you've got to reflect and change the meaning of, but then it leads us to the fact that you've absolutely, without a doubt, got to work on your outer game. And Harv Eker does a lot of this in his education. He talks about how money mindset alone is not enough. You need to develop the skills, the habits, and the systems. So as an entrepreneur or a business owner, wealth is created by exchanging value and through education and smart investing. What are you doing in the marketplace to give value? What are you doing to increase your skill level? There's so many new things coming online right now. If you think about it, even the use of AI allows you to become more skilled, more educated, and more productive in everything that you do. Constantly be learning. It's one of the reasons why one of our prosperity pillars is, I believe, in lifelong learning, right? Lifelong learning is something that you have to be committed to. And so find something that you can do in your life that you can learn from. Sometimes it's literally just the act of learning that takes you to the next level. And so mastering wealth in the outer game does require mastering your business and building skills. So make sure that you are scheduling time to increase your skill set and go deep, deep into the area that you want to focus on for your skills. Now, the last thing I want to leave you with is something I've covered. I think I covered it back in episode 239. I might've covered it again around nine. I'll have to find out what that is and I'll put it in the show notes, but it's the wealth files. So I thought that Harv Eker did a phenomenal job of outlining the difference between how rich people think and how poor people think. Now, don't get caught up in the labels here. Some people get caught up in it being a judgmental label. What I'm trying to say here is that successful, wealthy, rich people think differently than poor people and scarcity-minded people. Poor people complain, blame, focus on scarcity, their victim mentality. Rich people take responsibility. They think big. They focus on opportunities. And Harf put together these 17 wealth files. I'm going to share a few of them with you here. I'm not going to spend time to do all of them, but I'm going to share a few of them with you so that you understand what this principle really means. So let me give you an example of the difference between how rich people think and poor people think Rich people believe I create my life Poor people believe life happens to me Does that make sense Do you believe you create your life or that life happens to you This has happened That happened You got to get inside your thinking because your thinking will determine your wealth A second principle is rich people play the money game to win. Poor people play the money game not to lose. How many times have you found yourself playing defense in business rather than offense? Rich people are committed to being rich. Poor people only want to be rich. This goes straight back to the wealth formula. You say you want to be wealthy. You say you want results. But do your actions reflect what you're saying? Because if not, it's doubtful that you really believe that that's possible. Because rich people are committed to being rich and poor people just want to be rich. Rich people think big. Poor people think small. Rich people focus on opportunities and poor people focus on obstacles. Are you focused on the problems that you have right now? or are you focused on solutions? That's what I always talk about in our masterminds. Now, I'm gonna give you a couple of more real quick. Why don't we, as long as we have a couple minutes. Rich people are bigger than their problems. Poor people are smaller than their problems. Rich people are excellent receivers. Poor people are poor receivers. This is a big one. This kind of seems subtle, but are you the type of person that is a good receiver? Because you can't be a good giver. You can't have wealth to give if you're not able to receive, if that makes sense. So rich people choose to get paid based on results. Poor people choose to get paid based on their time. Are you an owner or an employee mentality? This is another one I really like. Rich people think both. Poor people think either or. Rich people focus on their net worth. Poor people focus on their income. Think about that for a minute. Are you focused on growing your net worth or your income? So these are just examples that I wanted to highlight with you on these wealth files that T. Harv Ecker talks about. And the reason I bring that up is because those are tangible examples of what it is that you need to do to take your thinking to the next level. And this is all about creating conscious awareness for you, right? We're the creators of our lives, so we have to be aware of it. So let's do a quick review. You've got to understand money as a result. It's a result of things that you put into your life. The formula for creating that wealth is your thoughts are going to lead to feelings, lead to actions, which create the results. So you've got to start to focus on your thoughts. And that includes your money blueprint and your financial thermostat and where you feel subconsciously you are at. This all takes putting some time and effort in. And then you've got to focus on building your skills in your outer game and start to consciously on a day-to-day basis recognize, are you thinking, do you have rich thinking or poor thinking? So what I want you to do is, as you go throughout the week this week, I want you to do me a favor. Just try to identify one of your limiting money beliefs. Because if you can find that belief, whether you believe money is scarce or whether you think poor or whatever it is, one limiting money belief and replace it with an empowering affirmation. I think this will make a big difference for you. And I think you'll start to train your mind, train your brain to attract wealth. And so that's the message I want to have for you today. I hope you have an amazing day. I want to remind you that we are releasing just a ton of new stuff over at jointheevolution.com. We have our mastermind there. You can go to dailymastermind.com as well and get access to our mobile app, our free interviews, Academy Authority, and so on. But do me a favor, if you got any value out of this show, I want you to share it with someone. Share it with someone that you feel will benefit, and I'll look forward to talking with you more. Have an amazing day.

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About the host
George Wright III, host of The Daily Mastermind

George Wright III

George Wright III is an entrepreneur, investor, and the host of The Daily Mastermind. Over more than two decades he has founded and scaled several multimillion-dollar companies and built a renowned seminar business that put some of the world's biggest names and brands on stage. With 25+ years across marketing, sales, and executive leadership, he's made a career of turning bold ideas into results — and momentum into lasting growth.

Today his mission is singular: empower driven entrepreneurs everywhere to master their mindset, unlock their potential, and live their ultimate destiny. Through The Daily Mastermind, George shares the Prosperity Principles and strategies that help people create massive change — in their business and in their life.

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