Retiring Rich is a State of Mind

Retiring rich is the result of a very specific mental attitude. We have to begin by being rich in mind before we can become rich in life. Retiring rich begins with the mind before it can be experienced in life. The most common mistake we make is looking outside of us for what we should find inside. Our subconscious mind is limitless. We have the power to create the kind of life we want. There are no limitations to the mind except those we accept.

“To succeed, we must have a desire so strong that it reaches and permeates our subconscious minds.”

Kazuo Inamori

A person’s worth is exactly what he or she believes it to be. The greatest limitations people impose on themselves are created in their own minds. It was the great Emerson who said “Beware of what you set your mind on for that you will surely become.” Make sure you are thinking about your destination in life all the time. Keep your focus or mind on where you are going. Your mind is like muscle. It must be exercised to grow. Do not always choose the path of least resistance. Exercise your mind unto great things. The world’s greatest area of undeveloped territory lies beneath people’s hats. Stretch your mind to produce better results. What you do not use, you lose.

Willis Harman discusses unconscious belief in his book Global Mind Change: A person’s total belief system is an organization of beliefs and expectancies that the person accepts as true of the world he or she lives in – verbal and non-verbal, implicit and explicit, conscious and unconscious.

Feeble-minded people never really succeed in life. Do not be small in your thinking. Retiring rich requires you to think until it hurts. It is what you think that you become. The quality of your thinking determines the quality of your life. Keep your mind on big goals. People that will retire rich do not laugh at big ideas. People who tell you it cannot be done are always the people who retire poor. Do not let the dissenters be the deciders. Picture the person you want to become and move toward becoming that kind of person.


Your thoughts create your life experiences. Life gives you what you sincerely want. You become as great as your dominant aspiration. It is not what we think we are, but what we think we are not, that is often the problem. It was the great Benjamin Disraeli who said, ‘Nurture your mind with great thoughts for you never go any higher than you think.”

If you steer your thoughts in a positive expansive direction, you will become as powerful as you can imagine. Everyday make sure you devote some time to reprogramming yourself to creative visualization, guided imagery and daydreaming. Anything you can think of and believe in, you can achieve.

James Allen wrote in his classic work “As you think, if you cherish a vision, a lofty ideal in your heart, you will realize it.” Within your deepest desires and highest dream are the keys to your financial success. Those who stop dreaming, those who ignore their most intense yearnings are living a life of emptiness and frustration. Do not let this happen to you. Change your life by daring to let yourself be carried away by your dreams and to live out your dreams to the fullest.

We become what we think about. Life is largely a self-fulfilling prophecy and your future will be the product of your expectations. So choose your thoughts carefully and focus on what you want rather than what you do not want.


Words are the most powerful thing in the universe. Spoken words have the capacity to programme your heart for either success or defeat. Words are either creative or destructive. Words and the way you speak them can make a real difference in your life. Words determine your attitude and altitude in life.

“If you keep on saying things are going to be hard you have a good chance of being a prophet.”

Isaac Singer.

One of the most amazing facts of life is that our speech determines our direction in life. Therefore, watch what you say with your own mouth. You are your own best prophet. You must learn to speak good about your finances, your career, your health, your family and your retirement. When others are saying things are hard in this country, do not join them to say it. Instead, speak positive words to your destiny. Say what you want to you and it will sure happen to you.

Words filled with optimism, hope and belief will shape a positive future for you. Examine your vocabulary. Sow positive words into your future and you will reap positive reward.


Your dream of retiring rich and acquiring great wealth will not be a reality if you do not act on your dreams. Nothing is going to happen to you until you are willing to act. It is better to fail in doing something than to excel in doing nothing.

Winning starts with beginning and beginning starts with a single action. The most vital step on your path to retiring rich and success is preparing a systematic plan of action so that your intentions become solidified, consciously and subconsciously.

The secret of success and great achievement is to start from scratch and keep on scratching. Get going. Action is everything. Everything big starts with something little. No one ever stumbled on to something big while sitting down. Helen Keller said, ‘life is either a daring adventure or nothing.” You will never discover new oceans unless you have the courage to lose sight of the shore. Do not walk back into the future. Face it. Go for your dream. Say yes to your goals and desire of retiring rich.

Friends, you must not let the fear of failure keep you back from taking positive action towards your dream of retiring rich. If you must retire rich, you have to roll up your sleeves and go to work. It does not take any discipline to dream of a great future, but it does take discipline to make those dreams real. I see your dream of retiring rich become a reality.

Be committed to a course of action. It was Zig Ziglar who said, “You can not consistently perform in a manner that is inconsistent with the way you see yourself.” You’ve got to stop wishing and start acting. Start putting money aside for your retirement. Start investing in yourself. Start investing in business, landed properties and other investment options. Do not wait until things are working fine for you. Such a perfect time will never come. Stop wishing and start acting. Act now!

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