10 Ways to Develop a Rich Mindset! — #10 is Seriously Mind-Blowing!

Have you ever wondered what it takes to be rich?

And have you ever wondered how rich people become so rich?

Could it be the big jackpot that they won? Maybe it was from the Bank of Mom and Dad? Or maybe it was Aunt Sally who left them with a big inheritance after she passed?


Nah fam!

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I mean, we always end up hearing stories of those who went broke after receiving an inheritance or winning the lottery, right?


It’s All About Your Mindset

Instead of relying on some big windfall, did you know that becoming rich has a lot to do with psychology and how you think?

For 26 years, self-made millionaire Steve Siebold interviewed some of the richest people in the world and wrote a book called How Rich People Think.

I read this book over a year ago and I truly believe that this can change your life if you develop the right mindset!


In the Introduction of the book, Siebold says:

“When I started this journey in 1984, I was a college student, completely broke and searching for answers about success I wasn’t finding in the classroom. My discoveries along the way changed my life, and I wrote this book to give you the same opportunity… The secret is not in the mechanics of money, but in the level of thinking that generates it. Once you learn to embrace this, your earning potential is limitless.”


After finishing this book, my mindset instantly changed from being poor to rich!

Now, I’m nowhere close to being rich today. But Siebold’s book opened up my mind to a world filled with rich and abundant opportunities! It’s just a matter of your mindset and how you think! With that said, I highly recommend this book.

read this book to increase your chances of becoming rich:


Which Mindset Do You Have?

I decided to write this post today because I was inspired by Jason Cabler’s article “10 Huge Differences Between Rich People and Poor People.”  This article reminds me that I need to improve on some areas if I want to increase my chances of becoming rich. (BTW Jason, if you ever read this, I scored about 70% to 75% on your post, haha).

On top of that, I want to pass along what I learned a year ago when I read Siebold’s book. Not to mention, it’s also a good reminder that I should carry this mindset with me into the new year.


World-Class vs. the Masses 

You’ll soon learn the differences between how the rich (“world-class”) and the middle-class (“masses”) think. Siebold’s book has about 100 chapters on their different views, but I will talk about my favorite ten.

Before I begin, I want to mention that I’m not here to denigrate the poor or middle-class (like what Jason mentions in his article too). In fact, I mentioned in my about me page that I was born poor (still poor), but have a strong desire to change that. Again, I’m nowhere near being rich, but these points can serve as a motivation as we head into 2018.


Related content:

How We Went From $93,000 Debt To Over $750,000 Equity in 7 Years
How To Become The Millionaire Next Door Without a Six-Figure Income
13 Passive Income Ideas That Make Money While You Sleep
5 Amazing Money Quotes From a Billionaire That Will Change Your Life


Anyway, let’s dive into the mindset of the rich, shall we?



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1) The rich focus on earnings

The masses focus on saving

If you’ve been following me, you’ll know by now that I always try (haha I know trying isn’t good enough) to develop a mindset of abundance.

We need to start believing that money is abundant; not scarce. And it’s not to say that saving isn’t important — it is. But we can definitely make improvements by focusing our energy on earnings, passive income, new ideas, and becoming BFFs with Mr. Compound Interest.


Siebold writes:

“Driven by the fear of loss and uncertainty of the future, the masses focus on how to protect and hoard their money. While world-class thinkers understand the importance of saving and investing, they direct their mental energy toward accumulating wealth through serving people and solving problems.”

Think about what the masses problems are. If you can solve their problems, you’ve hit the jackpot! (It’s easier said than done, I know haha)


Here’s another interesting point Siebold makes:

rich and abundance
Photo by kazuend on Unsplash


“Figuratively speaking, money does grow on trees; and the trees are ideas. As long as man walks the earth, he will have problems that need to be solved by creative ideas. And the more problems the performer solves, the richer she becomes.”

I know this sounds like “common sense” but unfortunately, common sense isn’t so common, hah!



2) The rich think about money in non-linear terms

The masses think about money in linear terms

rich ideas
Photo by Sharon Pittaway on Unsplash


Most people believe that time is money. In other words, they trade their time for money — hence the term “linear.”

Generally speaking, the masses believe that putting in more hours of work equates to more money. Yes, I agree that most would initially trade in their time for some money. But once you accumulate your first pot of gold, what would you do with it?

Rich people know that money makes money, so they would put it to work. In other words, they know that money works harder than them, so they invest it (my next point).

But aside from investing, Siebold also writes:

“The great ones are masters at generating money through ideas that solve problems. They realize since there is no limit to ideas, there is no limit to how much money they can earn… Since most people think of making money in a linear fashion, they never invest the necessary effort to create high impact solutions.”


“You reach the point where you don’t work for money.”
— Walt Disney



3) The rich think about investing

The masses think about spending

Siebold mentions that the masses are known for living above their means. He says not all of them are big spenders, but they have to spend in order to live a decent life. So, he says the answer is to “double or triple your income” so that you can invest and enjoy life at the same time.

In other words, why can’t it be both? Why does it have to be one and not the other? They’re not mutually exclusive — you can have it all!

He adds at the end of this point:

“You only live once (YOLO) and you can’t take it with you. Why not enjoy it?”

But of course, I’m sure he means to YOLO only because the rich can afford it.



4) The rich lives below their means

The masses live beyond their means

We always hear the old adage “live below your means.” 

We certainly live below our means, and we have to make a few sacrifices in order to build wealth.

But when Siebold writes “live below your means,” he means it a bit differently than what most of us think.

the rich live below their means

He says:

“The rich live below their means, not because they’re so savvy, but because they make so much money they can afford to live like royalty while still having a king’s ransom socked away for the future. It’s easy to live below your means when you earn more in a day than most people earn in a year. Not to mention that the rich earn money primarily through leverage, and not hard labor. It’s hard labor that creates the physical and psychological stress that kills so many poverty, working, and middle-class workers.”


His final point is:

“Here’s how to live below your means and tap into the secret wealthy people have used for centuries: get so rich you can afford to.



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5) The rich get rich doing what they love

The masses earn money doing things they don’t like to do

When I was still in school, I always listened to my dad. I mean, who else would I listen to? Haha.

He would always tell me over and over and over again:

“Get your masters. Get into a top company. Climb that ladder. You’ll be rich and you’ll be able to buy anything you like. Listen to me and you won’t be poor like your mother and I.”


Um, okay… so, my response to him would be:

“Daddy, aside from money, what about my passions?”


Andddddddd… he would laugh at me and think I’m either stupid or on drugs. I couldn’t tell which one it was.


Although, secretly this would be my expression inside. I just wouldn’t say it to him:

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Now, I’m not here to say whether his advice is right or wrong. At the end of the day, it’s a personal choice. But this is the masses advice and I’ve crossed it outta my books a long time ago. Sorry, daddy! Please don’t kill me for saying this.


Due to certain circumstances, I admit that I’m still dragging myself to unfulfilling corporate work every day (I’m looking to cut the cord soon). But I’ve been doing things I love outside my day job such as:

flipping furniture to earn more money
– reading personal finance to better manage our money
– teaching my friends about personal finance because I want to help them live a better life

And more recently, I started this blog as an outlet to log my financial journey. On top of that, I want to inspire people like you to get ahead with your finances.  This helps me learn and I personally find all of this fun and exciting!

I know I’m nowhere near rich, but the most important part is getting started. Nothing happens overnight, guys!


the rich have passions
Photo by Ian Schneider on Unsplash


Here’s what Siebold says about the rich doing what they love. It’s something we can learn from (if we have the balls to do it):

“The rich have retrained themselves to operate in a non-linear consciousness where anything is possible. The greatest example of this non-linear concept is the idea that passion is the real secret of getting rich. It’s a cause and effect relationship between effort and passion, but while the masses see passion as the effect, the great ones see it as the cause. In other words, the average person goes to work every day and hopes to find passion in his or her efforts. The rich go to work every day feeling passion for what they do, and their passion fuels their efforts.


Take the job you would take if you were independently wealthy. You’re going to do well at it.

— Warren Buffett



6) The rich embrace any form of education that makes them wealthier

The masses embrace advanced degrees

This goes back to my point above. My dad used to tell me that formal education will be my roads to riches!

To be honest, I’m happy I didn’t pursue another degree after my undergrad. I was never “book smart” and scoring high on exams just wasn’t my thing. I really really sucked at it! Not to mention, I was in la-la land most of the time in my classes.

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Over the years, I began to realize that I enjoy reading, learning things on my own, or learning from other people’s experiences.


Here’s what Siebold has to say:

“The rich and ambitious are also great fans of self-study through the use of books, audio programs and other educational materials. They will educate themselves by interviewing successful people in their field. They will hire personal coaches and consultants. They will tap any form of education available to make their dreams a reality, and they don’t need a diploma or certificate of completion to validate their investment. So, while the middle class tends to limit themselves to formal education, the world class is open to anything that moves them closer to their goals.”


That explains why Warren Buffett showcases his little award certificate on his public speaking skills from the Dale Carnegie course and not his advanced degrees.

“If I hadn’t had done that, my whole life would have been different,” Buffett says. “So in my office, you will not see the degree I got from the University of Nebraska, you’ll not see the master’s degree I got from Columbia University, but you’ll see the little award certificate I got from the Dale Carnegie course.”



7) The rich build their own ship

The masses wait for their ship to come in

the rich build their nest
Photo by Dorian Mongel on Unsplash


This one is one of my favorites. While the masses are waiting for mom, dad, Aunt Sally, the lottery, or someone to rescue them, the rich have already started building and planning for their nest. The rich know that there’s no white knight to come save them!

Nope, we’re not Princess Fiona here, so no Shrek to the rescue.


In Siebold’s book, he writes:

“It’s like the fat person slowing killing herself through obesity, who patiently waits for the next pill or potion to make her thin and healthy… The world class knows no one is coming to their rescue… The foundation principle they live by is self-reliance and personal responsibility.”



8) The rich believe money reveals people

The masses believe money changes people

the rich believe money reveals people

In other words, the masses believe that money will turn people into villains. You know… the Hollywood movies that portray rich people as doucheb@gs? Oops, excuse my language.

Um, yeah… but no.

Instead, money is a tool that can be used to help you. Money is neither good or evil — it depends on how you use it. Stated differently, money magnifies who you are.


Siebold says:

“If you were a crook or a cheater before you were rich, you’ll be worse when you’re wealthy. If you were an honest, hardworking, humble person before, you’ll be even better with expanded resources. Getting rich is one of the catalysts that liberates and reveals a person’s true self. The masses love to blame money for as many things as possible, because it psychologically absolves them from the responsibility of acquiring it.”



9) The rich take calculated risks

The masses play it safe with money

the rich take calculated risks
Photo by Redd Angelo on Unsplash


In one of Siebold’s other points, he also mentions that the middle-classes love to be comfortable, whereas the world-class is comfortable being uncomfortable.

Okay, I’ll admit that I’m not 100% comfortable being uncomfortable, but sometimes it takes a few uncomfortable experiences to feel less uncomfortable — if you know what I mean.


Investing makes a perfect example to explain how the masses play it safe with money. Most people fear losing so they would never have the balls to invest in single stocks, equity funds, or real estate.

Instead, most put their money in risk-free treasuries, so-called “high interest” savings accounts, bonds, and CDs (certificate of deposits) which yield them peanuts. If it’s all sitting in cash, even worse! They’re actually losing money from inflation.

Sure, the risks are higher with stocks and equities, but they provide higher potential returns. Not to mention, if you’re in your 20s, 30s, or even 40s, you can withstand the volatile markets due to your long time horizon.


the rich don't panic
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Aside from investing in the markets, the same concept applies to opening a business as well.

At the end of the day, there’s no such thing as low risks and high returns.

We need to recognize that there will be times that we lose, but there will also be times that we win (at least that’s how we should think). Without going through many failures and incurring losses, how could we ever win?


“I’ve failed over and over and over again in my life and that is why I succeed.”

— Michael Jordan



10) The rich believe the rich are selfish and self-absorbed

The masses believe the rich are selfish and self-absorbed

Oh man, I love this one because everyone will think it’s a typo, but it’s not.


Siebold says “the difference is the middle class thinks it’s wrong while the world-class thinks it’s right.”

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It was so odd when I read this one because I always had this same thought when I was a child.

As a helpless child, I always thought to myself “how can I help my mom, dad, and others when I can’t even help myself first?”


Over the years, I always thought about my parents’ retirement. While they’re still working and earning some income to fund their current expenses, they have close to $0 in savings and investments for their retirement!

While I can certainly give them money today, or take them out to eat regularly, I chose to limit that because it would be more harmful than helpful for all of us.


Instead, I’ve been secretly saving and investing some money on the side (call it the “mom and dad fund”) so that it will help them with their retirement.

They don’t know that I’m doing this, and they may think I’m selfish for not giving them much today (or maybe I’m just too sensitive). But my parents are very hardworking and I know they often hear stories about their friends’ kids who always take their parents out to nice dinners, give them a generous amount of guilt-free spending money, and buy them luxury goods.

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Don’t get me wrong — I do treat them, just not as often as I would like. But if I can’t help myself today, then there’s no way I can help or “spoil” my parents today.

I figured saving and investing a bit of money on the side would be more helpful for them tomorrow (including myself) than giving them loads of money and luxury goods today. They would just spend it on non-essentials anyway.

So, yeah… I guess at the end, it’s still all about me (to a degree), lol!


the rich are selfish
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Anyway, here’s what Siebold says:

“The masses are programmed to believe at an early age they should put the needs of others in front of their own. While this sounds like a spirit driven, high-level philosophy, it’s the worst advice you can get. When you fly on a commercial airline, the first thing the flight attendant tells the passengers is, ‘in case of an emergency, your oxygen mask will drop down in front of you. Please secure your mask first and get the oxygen flowing before you attempt to help anyone else.’ That selfish strategy has saved many lives”


Siebold adds:

“The premise is simple: If you’re not taking care of you, you’re not in a position to help anyone else. You can’t give what you don’t have, and if you’re struggling to pay your bills while volunteering four nights a week, you’re probably hurting more people than you’re helping.”




Well, there you have it — a sneak peek of how rich people think.

Here’s a recap of my favorite ten:

1) The rich focus on earnings. The masses focus on saving.

2) The rich think about money in non-linear terms. The masses think about money in linear terms.

3) The rich think about investing. The masses think about spending.

4) The rich lives below their means. The masses live beyond their means.

5) The rich get rich doing what they love. The masses earn money doing things they don’t like to do.

6) The rich embrace any form of education that makes them wealthier. The masses embrace advanced degrees.

7) The rich build their own ship. The masses wait for their ship to come in.

8) The rich believe money reveals people. The masses believe money changes people.

9) The rich take calculated risks. The masses play it safe with money.

10) The rich believe the rich are selfish and self-absorbed. The masses believe the rich are selfish and self-absorbed.


Like what you’ve read so far?

Learn from Siebold who spent almost three decades interviewing and studying the rich. Find out more about how and why they are different from the average.

Read this book to learn from the rich:


Over to you

So, what do you think?

Do you have a rich mindset?

I know that I’m lacking in some areas, but I’m ready to improve and become the better version of me! 😉

Are you?


Did you enjoy this post? If so, don’t forget to share the love on Pinterest! 🙂

rich mindset how to / millionaire mindset / how to become rich / how rich people think / money tips


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  1. Great article! It sounds like I need to read this book!
    All these points really make you think about how a different mindset can completely change your financial life.
    I really like point 7) The rich build their own ship. The masses wait for their ship to come in.

    I agree a lot of people don’t take any initiative. If you don’t get on with doing things yourself, no one is going to come and save you!

    I definitely need to get better at 9. I calculate my risks so much that I think sometimes I am playing it too safe!

    1. I find that a lot of people are afraid to take risks — including myself too.

      When it comes to investing money in markets, I’m okay w/ that, but when it comes to opening a business, I’m very afraid of failure and losing all of my money. I never had that mindset that I’d succeed in it. But it is something I definitely need to work on lol. 😂

  2. I think I am lacking in some areas – but definitely have a rich mindset for the most part! I’ve managed to not splurge on clothes or trends over the years. In fact, I’m pretty impressed I can still rock, ok, fit in, the same pair of jeans I wore to college…booya…I earned the ripped faded look! Whereas a friend of mine will say, “I like to see my savings in my closet.” Annnd my mind is blown. “Nooooo! Make your money work for you!” Which is the quote I keep trying to tell myself over and over to keep the rich mindset.

    1. Haha I still have the same winter jacket from 2008 (a Canada Goose). It was probably one of the best investments I made in a piece of clothing because it never went out of style. And surprisingly, they got a lot more expensive lol!

      And yup, gotta keep having your money work for you. The best part is the compounding effect. You really start to see it once your capital starts to grow! Great stuff on your end 😉

      Thanks for dropping by!!

  3. This is a great list! I should read this book, I have heard of the interviews 🙂
    Developing multiple income streams and thinking of a way to invest with what you’re earning now so that it can generate income is really important.
    Sorry to hear that you are feeling unfulfilled in your work. One thing that always has helped me is adding something you are passionate about (e.g. blogging) and then doing both so you feel fulfilled! When you get bored of one you can focus on the other and vice versa. Sounds like you are doing that already though.

    1. The book is an easy read! Very casual so you’ll be done w/ it pretty fast. 🙂

      I find the hardest part is changing our mindset from one that is fearful and scarce to fearless and abundance.

      And yeah, I find that ever since I started my blog, I haven’t been feeling as down as before. It’s actually the one thing I look forward to each day.

      I can write and express my feelings and thoughts in whatever way I like. It’s like my little hiding space to vent to the world (even though I’m not really venting… I hope I’m not haha). On top of that, I’m starting to learn Pinterest and other blogging-related stuff… boy, it’s a lot to absorb! And that stuff is actually keeping me busy from feeling sad about my day job LOL! — ain’t got time for that!

    1. Hi Tom!

      Yes, I’m still trying to figure out how I can get money working for me. It will take some time, like watching paint dry. But definitely a rich mindset 🙂

      Thanks for dropping by!!

  4. I believe that having the right mindset will help you learn how to manage and increase your wealth. However, there is no one universal definition of rich. How much money do you have to have or make in order to be considered rich?

    Don’t get me wrong, I have always dreamed of being rich, but my definition of rich is not what you see portrayed in the media. My definition of rich includes happiness and having a reasonable amount of money that will generate enough money for you passively so that working is optional.

    Out of this list, the one that I am currently practicing is taking calculated risk. Having the mindset is great, but at the end, everything comes down to execution.

    1. Yep, rich is relative to a degree. I’ve read many studies in the past that people’s marginal utility of happiness starts to fall after reaching a certain income/salary. So, it really comes down to freedom and doing things you are passionate about, and definitely not the materialistic goods. You’re right, they are not considered rich. Those are just short-term instant gratification that goes away.

      It’s pretty much you reach a point where you don’t work for money anymore, but you work on things that bring you fulfillment.

      And yes, having the mindset is a great start. Once they develop this “rich” mindset, their behavior/actions should start to follow (execution). However, if they don’t have the mindset (i.e. some people just have different views), then for sure they won’t execute because they don’t believe in it.

  5. It takes the right mindset to build your wealth and the list you have on here provides right ways to do that. Following the crowd can only that so far but if you keep on listening to the masses you will not be able break out and develop your own wealth.
    I was the same way when I first got out of debt and started to save. I thought the best way was to put most of my money in savings and CDs not worry about it. But with the low interest rates they have you will only get chump change out of it. I was thinking safe.
    I broke out of this mindset when I researched more about investing in the market and how it’s not really that daunting of a task. You just have to know what your investing in, projected outcomes, fees and dividend payouts. Coming out of your comfort zone and help you in the long run.

    1. That’s great that you were able to knock fear out of the way! It’s also a great move that you educated yourself by learning about investments — there’s still a lot of people who are afraid of parking their money into stocks or funds. All it takes is research and some reading to understand what you’re investing in. But other than the basics, there’s still a lot to learn (for me at least). Well, 2018 is coming… let’s see how much we achieve next year 🙂

  6. Love that you are focused on developing a mindset of abundance! I think this is huge, bigger then most finance bloggers understand. Yes this world of personal finance blogging is great but think bigger! You are in a small sub set of people who was willing to create a website. What else will you do? I am guessing you have big things ahead and I love that you focus on the abundance aspect.

    To many people settle and get into the hoarding or frugal mindset!

    1. Yes! I’m definitely trying to get away from the scarce and fear mindset. I know it’s tough but I need to get over it! And hopefully many people will follow this type of mindset. I sort of have an idea of what I may want to do but I’ll have to plan a lot! And I am ready for failure, but I will take them as a learning experience. There will always be unlimited opportunities ahead for all of us!! 🙂

  7. Thanks for writing this! I’ve been going about it the wrong way. My mind set was always on how the masses think when it comes to money. Now that I read your tips, I believe it will be a great 2018, (even though Im super poor right now!).

    1. Hi Cleo!!

      Don’t worry about the being “poor” part now. I’m still there w/ you and need to improve too. But let’s try to focus on an abundance mindset for 2018 onwards!

      I know it’s going to be tough but let’s start w/ the baby steps.

      The most important part is really believing that you can do it. Once you truly believe in it, your actions will start to follow!

  8. Loved this post! I’ve never really thought about how the ways the rich and the poor think differ, so this post was really insightful and inspiring!

    I found #6 really interesting since I grew up with parents who encouraged me to get a PhD (and who were disappointed when I didn’t end up getting one). I’ve definitely been learning that you don’t have to have an advanced degree (or any degree) to become rich and successful!

    1. Hi Cyn!

      Thanks for dropping by!

      I’m happy to hear that you thought it was inspiring. 🙂

      And yes, it’s not always about advanced degrees. Although it’s great to have, people like myself probably wouldn’t benefit from it because I’m not academically smart haha!

      As for your PhD, I’m sorry to hear that your parents are disappointed (mine are too). But I’m sure your parents are still proud of where you are today!

      You’re going to prove to them that you’re going to achieve your life goals above and beyond without a PhD! 😉

  9. Some very interesting points and I love your honest and authentic style of writing. I’m glad I found this blog because 2018 is the year that I really want to improve my money mindset!


    1. Hi Janah!

      I’m so glad you enjoyed this post and my honest writing style! I know I’m no where rich, but I’ve been working at changing my mindset. So, I hope this write up helps others as well! It really does motivate and challenge you to move forward instead of focusing on your current situation. A very helpful and motivating read to open up everyone’s mindset from scarcity to love and abundance 🙂

      Thanks so much for dropping by! Happy New Year to you!!

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