"The Secrets of the Millionaire Mind" by T. Harv Eker outlines 17 wealth files or mindsets that distinguish the wealthy from the poor or middle class. Here is a summary of these key concepts:



  1. Rich People Believe “I Create My Life.” Poor People Believe “Life Happens to Me.”

    • Taking responsibility for one's financial success versus feeling like a victim.

  2. Rich People Play the Money Game to Win. Poor People Play the Money Game to Not Lose.

    • Focusing on wealth creation versus focusing on security and avoiding risk.

  3. Rich People Are Committed to Being Rich. Poor People Want to Be Rich.

    • Being fully committed to achieving wealth versus merely desiring it.

  4. Rich People Think Big. Poor People Think Small.

    • Having expansive dreams and goals versus limited and conservative thinking.

  5. Rich People Focus on Opportunities. Poor People Focus on Obstacles.

    • Seeing possibilities and taking action versus seeing problems and being afraid to act.

  6. Rich People Admire Other Rich and Successful People. Poor People Resent Rich and Successful People.

    • Learning from and being inspired by successful individuals versus feeling envious or resentful.

  7. Rich People Associate with Positive, Successful People. Poor People Associate with Negative or Unsuccessful People.

    • Surrounding oneself with successful and optimistic people versus associating with naysayers.

  8. Rich People Are Willing to Promote Themselves and Their Value. Poor People Think Negatively About Selling and Promotion.

    • Embracing self-promotion and marketing versus seeing it as negative or egotistical.

  9. Rich People Are Bigger Than Their Problems. Poor People Are Smaller Than Their Problems.

    • Rising above challenges and finding solutions versus being overwhelmed by problems.

  10. Rich People Are Excellent Receivers. Poor People Are Poor Receivers.

    • Being open to receiving wealth and opportunities versus feeling undeserving or guilty.

  11. Rich People Choose to Get Paid Based on Results. Poor People Choose to Get Paid Based on Time.

    • Preferring performance-based income versus fixed hourly or salary income.

  12. Rich People Think “Both.” Poor People Think “Either/Or.”

    • Believing in abundance and seeking multiple solutions versus thinking in limited terms.

  13. Rich People Focus on Their Net Worth. Poor People Focus on Their Working Income.

    • Concentrating on building overall wealth and assets versus just earning a paycheck.

  14. Rich People Manage Their Money Well. Poor People Mismanage Their Money Well.

    • Practicing good financial management versus being careless or negligent with money.

  15. Rich People Have Their Money Work Hard for Them. Poor People Work Hard for Their Money.

    • Investing and making money work for them versus only relying on their own labor.

  16. Rich People Act in Spite of Fear. Poor People Let Fear Stop Them.

    • Taking action despite fear versus being paralyzed by fear.

  17. Rich People Constantly Learn and Grow. Poor People Think They Already Know.

    • Continuously seeking knowledge and self-improvement versus being complacent or arrogant.

While these 17 principles capture the essence of Eker's philosophy, additional insights and actions within the book can be considered as part of the broader 20 secrets of a millionaire's mind. The key takeaway is adopting a proactive, abundant, and growth-oriented mindset towards wealth creation.