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to　assure　you　in　no　uncertain　terms；　that　although　〃luck〃　


obviously　plays　some　part　in　financial　success；　it　is　never　
sufficient　in　and　of　itself。　Money　is　an　effect　and　it　must　
always　be　earned。　Believe　me；　there　are　no　free　rides　in　this　
life　and　the　only　people　who　are　making　money　the　easy　way　
either　work　in　the　mint　or　are　on　their　way　to　jail；　if　they　have　
not　already　arrived　there。　Therefore；　always　bear　in　mind　that　
while　〃good　fortune〃　is　a　factor　in　financial　success；　it　must　
always　be　coupled　with　effort　and　hard　work！　

Money　Must　Circulate　

A　third　thing　you　should　know　about　money　is　that　it　is　
valuable　only　as　long　as　it　is　being　used。　Once　it　has　been　
taken　out　of　circulation；　it　bees　as　worthless　as　the　〃old　
newspapers〃　or　〃empty　beer　cans〃　that　have　been　stashed　
away　in　the　attic。　To　understand　the　truth　of　this　principle；　
consider　the　following　story。　On　a　bookshelf；　in　my　home；　I　
have　a　silver　beer　stein　that　was　given　to　me　as　a　gift　for　a　
speech　I　made。　Now；　whenever　I　go　into　my　house；　I　take　all　
the　change　from　my　pockets　and　put　it　into　the　cup。　Then；　
when　the　cup　is　almost　filled；　I　give　it　to　one　of　my　children；　or　
one　of　two　young　cousins。　Each　of　them　takes　turns　receiving　
the　cup　and　of　course　they　eagerly　anticipate　their　turn。　The　
point　I　want　you　to　notice；　however；　is　that　while　the　cup　is　
being　filled；　the　money　in　it　has　absolutely　no　value　
whatsoever；　it　just　sits　there；　serving　no　useful　function　and　
not　even　drawing　any　interest。　

However；　as　soon　as　the　cup　is　filled　and　the　money　is　
turned　over　to　one　of　the　kids；　it　literally　〃flies　into　action。〃　For　
instance；　just　last　week；　T。　Jay；　one　of　my　young　cousins；　
received　the　money。　He　immediately　took　it　from　my　hand；　
rushed　off　to　a　golf　school　and　purchased　several　golf　lessons　
with　his　inheritance。　Now；　I　can't　honestly　say　what　the　golf　
pro　did　with　the　money　once　he　got　it；　but　I　do　feel　fairly　safe　
in　saying　that　he　didn't　just　return　it　to　a　cup　on　his　book　
shelf！　No；　there　really　isn't　any　dispute　about　it；　money　is　not　
meant　to　be　taken　out　of　circulationrather；　it　is　meant　to　be　
used；　enjoyed　and　circulated！　


This　brings　me　to　an　even　more　dramatic　illustration　of　
the　same　principle：　namely；　the　story　of　〃old　Mr。　Chapman。〃　
Mr。　Chapman　was　an　elderly　gentleman　who　lived　a　few　doors　
down　the　street　from　our　family　when　I　was　just　a　boy。　
Although　there　was　a　tremendous　age　difference　between　us；　
Mr。　Chapman　and　I　became　fast　friends　and　I　often　used　to　
watch　him　pushing　his　small　junk　cart　up　and　down　the　
block。　You　see；　Mr。　Chapman　worked　as　a　junk　dealer　and　he　
made　his　living　by　picking　up　the　things　other　people　had　
thrown　away。　As　the　years　went　by；　however；　Mr。　Chapman　
became　more　and　more　stooped　from　his　arduous　labors　and　
one　day；　shortly　after　World　War　II；　he　passed　away。　Since　he　
lived　alone　and　apparently　had　no　close　relatives　living　nearby；　
the　police　entered　his　house　to　take　stock　of　his　possessions。　
Not　surprisingly；　they　found　the　house　littered　with　many　old　
furnishings　and　assorted　memorabilia　from　Mr。　Chapman's　
past。　However；　much　to　their　amazement；　the　police　also　
discovered　over　one　hundred　thousand　dollars　（100；000）　in　
old　bills　packed　in　boxes　throughout　the　house！　

Quick　to　pick　up　on　so　unusual　an　occurrence；　the　
Toronto　Daily　Star　carried　a　frontpage　story　the　next　day　
about　Mr。　Chapman；　in　which　it　asked　the　obvious　question：　
why　would　an　individual　worth　well　over　100；000；　choose　to　
keep　his　money　stashed　away　in　old　boxes　strewn　haphazardly　
throughout　his　house？　

Although　I　e；　I　asked　
myself　a　similar　question：　namely；　why　would　a　person　like　
Mr。　Chapman　choose　to　live　like　a　veritable　pauper；　when　he　
had　so　much　money　at　his　disposal？　He　could　have　used　his　
money　for　his　own　enjoyment。　He　could　have　invested　it　to　
earn　a　return　for　himself　and　to　help　create　jobs　for　other　
people；　or　he　could　have　just　deposited　it　in　the　bank　and　
earned　interest　on　his　money。　But　instead；　he　chose　to　put　it　
in　a　〃jar　on　the　shelf；〃　and　he　thereby　rendered　it　absolutely　
useless。　No；　my　friends；　there　isn't　any　doubt　about　it　money　
is　not　meant　to　be　hoarded。　Rather；　it　is　meant　to　be　used；　
enjoyed　and　circulated。　So　please；　whatever　you　choose　to　do　


with　your　money；　don't　make　the　same　mistake　that　poor　old　
Mr。　Chapman　did！　

Please　note　that　when　I　suggest　that　money　should　be　
kept　in　circulation；　I　do　not　mean　it　should　be　squandered。　
There　is　a　world　of　difference　between　those　two　concepts　and　
if　you　haven't　found　out　what　the　difference　is　yet；　I　would　
suggest　you　find　out　as　soon　as　possible。　

Prosperity　Consciousness　Exercise　

Now　that　we　have　touched　upon　some　of　the　
characteristics　of　money；　let　us　turn　briefly　to　a　simple　
〃technique〃　which　you　can　begin　using　immediately　to　start　
attracting　the　amount　of　money　you　desire。　The　first　thing　that　
I　want　you　to　do　is　to　picture　yourself；　in　your　mind's　eye；　
sitting　in　a　room　with　several　of　your　friends。　Then；　I　want　you　
to　visualize　yourself　announcing　to　them　your　intention　of　
being　wealthy；　at　least；　wealthy　enough　to　live　the　way　you　
choose　to　live。　Now；　imagine　how　that　would　make　you　feel。　If　
you　are　like　most　people；　you　would　probably　feel　very　
unfortable。　Perhaps　you　would　feel　so　unfortable；　that　
you　might　even　retract　what　you　had　said　by　informing　your　
friends　you　were　only　joking。　You　should　understand；　
however；　that　people　who　are　wealthy　never　feel　unfortable　
when　the　subject　of　money　is　brought　up。　〃Why　don't　they；〃　
you　ask？　The　most　obvious　answer　would　be；　because　they　
already　have　〃lots〃　of　it。　But　that　is　not　the　correct　answer。　
You　should　realize　that　people　don't　feel　fortable　about　
money　because　they　have　it；　they　have　it　because　they　feel　
fortable　about　it。　In　other　words；　one　of　the　reasons　that　
wealthy　people　have　money　is　that　they　have　developed　that　
state　of　consciousness　we　will　hereinafter　refer　to　as；　a　
〃prosperity　consciousness。〃　Therefore；　it　follows；　if　we　wish　to　
attract　money　to　ourselves；　we　must　begin　to　foster　a　
prosperity　consciousness　as　well。　

The　question　you　should　now　be　asking　yourself　is　this：　
〃How　do　I　go　about　developing　this　prosperity　consciousness　
for　myself？〃　Let　me　explain。　The　best　way　to　develop　a　


prosperity　consciousness　is　to　start　seeing　yourself；　in　your　
mind's　eye；　already　in　possession　of　the　amount　of　money　that　
you　desire。　The　reason　this　is　so　is　that　since　the　
subconscious　mind　cannot　distinguish　between　the　actual　
possession　of　money　and　mere　visualization；　you　will　soon　
bee　very　fortable　with　the　〃idea〃　of　money。　As　a　result；　
you　will　start　attracting　it　to　yourself。　

This　may　sound　like　a　game　you　are　playing；　but　let　me　
assure　you；　it　is　one　of　the　wisest　things　you　can　possibly　do。　
For　when　you　succeed　in　convincing　your　subconscious　mind　
that　you　are　wealthy　and　that　it　feels　good　to　be　wealthy；　your　
subconscious　mind　will　automatically　seek　ways　of　making　
your　〃imaginary〃　feelings　of　wealth　manifest　themselves　in　
material　form。　

If　these　last　few　lines　seem　like　sheer　fantasy　to　you；　just　
ignore　them　for　the　time　being　and　continue　reading。　We　will　
be　dealing　with　prosperity　consciousness　at　different　points　in　
the　book　and　I　guarantee　you　that　before　you　finish　this　book；　
those　lines　will　start　to　make　a　lot　more　sense　to　you。　

Fear　Not　

Now　that　I　have　touched　upon　a　〃technique〃　which　will　
help　you　acquire　greater　wealth；　let　me　offer　this　further　word　
of　warning。　If　you　want　to　have　money；　one　thing　you　should　
never；　never　do；　is　worry　about　whether　or　not　you　will　get　the　
money　you　desire；　or　whether　you　will　keep　it。　Let　me　
elaborate。　

In　the　Bible；　Job；　the　great　sufferer　of　biblical　times；　
makes　the　following　remark：　〃Behold；　the　thing　I　fear　has　e　
to　visit　upon　me。〃　Now；　stop　and　ask　yourself　if　you　willwhat　
those　biblical　words　mean　to　those　of　us　concerned　about　
money　today。　Well；　one　thing　they　certainly　mean　is　that　if　we　
insist　upon　constantly　worrying　about　not　having　enoug