We all have a money blueprint. We are born with one. People's money habits tend to be very much like those of their parents and their parents before them. The problem is that:

"97% of all people live and die without learning how to earn money. Their poverty consciousness is passed on from one generation to the next." Bob Proctor

I hear you ask "97%?" and the answer is yes. Look at it another way – 3% of the world's population command 97% of its wealth.

However, our money blueprint also develops as a consequence of the interaction we have with our environment. Things that we hear, see, touch and smell that have monetary associations, especially when we are growing up and at our most impressionable, will have a lasting impact on us. The influence our up-bringing has on us is profound and, at the same time, it can be quite subtle for if you lack awareness then you may not understand how your money blueprint is actually making you richer or poorer.

Your inner-world creates your outer-world. So to see whether you have a wealth or poverty consciousness you only have to look at your:

1. Physical health
2. Bank account
3. Social life

Money cannot stay with a person who has a poverty consciousness and vice versa. I was listening to a teleconference the other day and the subject of lottery winners came up. It is a well-known phenomenon that many lottery winners soon lose all their money and sometimes end up more impoverished than before their windfall. They often lament that winning the lottery actually ruined their lives. One of the speakers said:

"They won a million dollars but they were not a millionaire."

How true! And here's the paradox – you have first to be a millionaire in your mind before you will be able to hold onto a million dollars. You have to develop a millionaire mindset if you want to become a millionaire or a billionaire mindset if you want to become a billionaire!

So what does your health, bank statements and social life say about your financial mindset?

Imagine you were preparing to build your ideal house. You instruct an architect who presents you with a set of plans. Unfortunately, the plans are not at all what you had in mind. Would you go ahead and build the house anyway hoping that somehow the builders would miraculously be able to follow these plans and still come up with your ideal house. Of course not! Until you change those architectural blueprints so that they are congruent with the image you have of your ideal home you will never be able to construct your ideal home. Similarly, until you alter your money blueprint, the level of income you earn will not change significantly.

So if your financial mindset is programmed for you to earn $100,000 per year and you are a commissioned salesperson then, on average that's how much you will earn. You may have a few months where you may far exceed your average income but your money blueprint will assert itself so that you end up earning $100,000. If you earn a salary rather than a commission, unless you change your wealth mindset, it's unlikely you will consider doing a job that will pay you $150,000 even though such a job could be well within your capabilities.

Many years ago Bob Proctor was delivering a seminar to a group of insurance agents. He suggested that anyone of them could write $500,000 in business in a year. They thought he was nuts and that he certainly didn't know anything about the insurance business.

During a break one agent, Dan Slovan, challenged Proctor and said that there were 20,000 agents in the company and in 100 years no one had ever written $500,000 in business. Proctor calmly told him:

"Well then you can be the first."

Slovan looked at Proctor incredulously and he was far from done with his objections. Proctor had told them that they could achieve this in a year and so Slovan reminded him that it was now August.

"Well, then it won’t take you as long to do it. Don, if you can see yourself as a $5,000,000 producer and you get emotionally involved with that idea. You turn it over to your sub-conscious mind I guarantee that you will act differently and what you attract to you will be quite different. You’ll do it."

Well, something Proctor said resonated with Slovan. He closed the year with just over $6,000,000 worth in business and guess what? When he crossed that imaginary threshold there was a string of fellow salesmen that followed. The income targets that were achievable had been forever changed in the minds of these salespeople.

So do you have a money blueprint that will support you in achieving your financial goals? If not, start the work on your inner-self first and riches will follow.