The Psychology of Wealth: Understand Your Relationship with Money and Achieve Prosperity

The Psychology of Wealth: Understand Your Relationship with Money and Achieve Prosperity

Language: English

Pages: 256

ISBN: 0071789294

Format: PDF / Kindle (mobi) / ePub

The New York Times and Wall Street Journal bestseller!

The Psychology of Wealth is a pertinent and comprehensive overview of the skills and mindset necessary for success. Prosperity can be achieved by anyone, and Dr. Richards shows the way.”
―Donald J. Trump

“What’s in your head determines what’s in your wallet. Dr. Richards gives you the mental hard-drive upgrade you need to finally achieve the greater prosperity and success you desire.”
―Darren Hardy, Publisher, SUCCESS magazine

“Dr. Richards shakes up our preconceptions about wealth by examining the psychological aspects of how we relate to money. When you understand the real sources of wealth in your life, you’ll find it much easier to achieve a more prosperous and happy life.”
―Jordan E. Goodman, America’s Money Answers Man at and Author of Master Your Money Type

“This might be one of the most important books you’ll ever read. If you feel like your life has been stuck in neutral―or even worse, put in reverse―Dr. Richards will set you on a clear path to success.”
―Barnet Bain, Producer, What Dreams May Come

About the Book:

Why do some people feel a perpetual state of lack and fear about money, while others feel genuinely prosperous, regardless of the size of their bank accounts? Why do some people shudder with dread when it comes to setting financial goals, while others embrace it with enthusiasm and confidence?

What makes the difference? Could it be in their relationship with money itself?

People who enjoy a healthy relationship with money share common habits and traits. So, how do they think, and what do they do differently? Are these behaviors hardwired in an individual’s psyche, or can they be learned?

In this provocative book, psychotherapist Dr. Charles Richards provides unexpected and encouraging answers to these questions. Based on his research and expert interviews, Dr. Richards shows how each of us can develop a thriving relationship with money and create a rich and rewarding life.

A t the book’s heart are the stories of people who have faced adversity with courage and created extraordinary lives. Their accounts―along with Dr. Richards’ interviews with finance professors, legislators, entrepreneurs, and mavens of success―pave a path to a brighter future for us all.

Today we live in a trying economic environment. Every day, popular financial advisors exhort us to hunker down, play it safe, and protect ourselves from an uncertain future. To the voices who promote fear and doubt, Dr. Richards answers with balance, wisdom, and optimism.

The Psychology of Wealth is for anyone interested in succeeding personally or professionally, and in achieving true prosperity. It offers golden steps on the path to a better life.


















a machine for a while. I cried because this meant I wouldn’t have an Easter dress. Mama told me that if I would do the pedaling, she would help me. She showed me how to lay out her homemade pattern, and I cut the pieces out of washed and pressed feedsack cloth. Mama sat beside me and put the pieces together. Then she would say, ‘Now sew that.’ I made my dress, and I have been sewing ever since.” When Sacony Sewing Company opened mills in South Carolina, Peachie went to work for them. “Later,

easy forms of credit entered the marketplace in the early 1960s, they began to replace the popular installment credit plans, especially for middle- and upper-class citizens. Unlike traditional installment loans, these new, revolving forms of credit—familiar to us now as credit cards and, more recently, home equity lines of credit—did not require repayment within a fixed period. Only minimum payments were required. They also offered the allure of nearly effortless borrowing. Retailers encouraged

power is a great responsibility. How We Learn a Wealth Psychology Just as a computer has an operating system, every family operates according to a set of spoken and unspoken rules. I call this the family operating system. This system greatly influences an individual’s thinking and behavior. In the never-finished “nature vs. nurture” debate, research shows that nature, as expressed in each person’s genotype, has the upper hand in defining one’s biological uniqueness. However, in the formation of

counted how many times people talked badly about me or treated me unfairly. Then at night, I multiplied that number by 10. That was the number of times I would say to myself, ‘I love me,’ while I stood in front of a mirror. I would say it over and over. At some point I started to believe it.” RECLAIM YOUR POWER Pay attention to your • Thoughts • Words • Actions • Beliefs Keep them positive. “Mind you, I wasn’t deliberately applying positive thinking principles,” explained Dennis. “I was

dividing line, where it was determined whether or not you got a higher education and became a professional. I wanted to be a pharmacist. To do that, I needed and wanted to go to college—and that required that I take algebra.” Leticia asked for help. “My parents stood up for me and insisted that I be placed on the college and professional track.” Leave judgments at the door, and don’t underestimate what you—or anyone else—are capable of achieving. If she hadn’t taken algebra, Leticia probably

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