Every human being who reaches the age of understanding of the purpose of money, wishes for it. Wishing will not bring riches. But desiring riches with a state of mind that becomes an obsession, then planning definite ways and means to acquire riches, and backing those plans with persistence which does not recognize failure, will bring riches.

The method by which DESIRE for riches can be transmuted into its financial equivalent, consists of six definite, practical steps, viz:

First: Fix in your mind the exact amount of money you desire. It is not sufficient merely to say ‘I want plenty of money.’ Be definite as to the amount. (There is a psychological reason for definiteness which will be described in a subsequent chapter).

Second: Determine exactly what you intend to give in return for the money you desire. (There is no such reality as ‘something for nothing’.)

Third: Establish a definite date when you intend to possess the money you desire.

Fourth: Create a definite plan for carrying out your desire, and begin at once, whether you are ready or not, to put this plan into action.

Fifth: Write out a clear, concise statement of the amount of money you intend to acquire, name the time limit for its acquisition, state what you intend to give in return for the money, and describe clearly the plan through which you intend to accumulate it.

Sixth: Read your written statement aloud, twice daily, once just before retiring at night, and once after arising in the morning. AS YOU READ—SEE AND FEEL AND BELIEVE YOURSELF ALREADY IN POSSESSION OF THE MONEY.

It is important that you follow the instructions described in these six steps. It is especially important that you observe, and follow the instructions in the sixth paragraph. You may complain that it is impossible for you to ‘see yourself in possession of money’ before you actually have it. Here is where a BURNING DESIRE will come to your aid.

If you truly DESIRE money so keenly that your desire is an obsession, you will have no difficulty in convincing yourself that you will acquire it. The object is to want money, and to become so determined to have it that you CONVINCE yourself you will have it.

Only those who become ‘money conscious’ ever accumulate great riches. ‘Money consciousness’ means that the mind has become so thoroughly saturated with the DESIRE for money, that one can see one’s self already in possession of it.

To the uninitiated, who has not been schooled in the working principles of the human mind, these instructions may appear impractical. It may be helpful, to all who fail to recognize the soundness of the six steps, to know that the information they convey was received from Andrew Carnegie, who began as an ordinary laborer in the steel mills, but managed, despite his humble beginning, to make these principles yield him a fortune of considerably more than one hundred million dollars.