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For the last 19 years, I have pushed beyond my own limits and have had the
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In all things, you have to constantly learn and grow, which is why I decided
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All my best,
Arfeen Khan
In my first book, You can, You will, It’s your choice, I said, “By understanding and
managing the mind alone, we can live a vital and vibrant life; a life that throbs
with creativity, that overflows with joy, love and harmony. The essence of the life
we are gifted with lies in understanding, managing and controlling our mind. What
then shall follow is a life harmonized with strands of peace, inner joy and
serenity.”
I still wholeheartedly believe the above to be true and what I want to add to that is
a life of unlimited wealth in all areas, including money, career, relationships,
health and spirituality. It can all be yours, but first we need to talk about your
blueprint.
Your blueprint can also be referred to as your plan, strategy or map. It’s what you
do to plot out what you’re creating in your mind. The intention of this book is to
show you how to create the blueprint of a millionaire so you can be sure to achieve
everything you want and more.
If I asked you to find the similarities between Oprah, Richard Branson and others,
what would you say? What did they all have in common? Did they have their life
handed to them or did they have to work hard for everything they have? What
about people who were born rich, but for some reason or another, couldn’t manage
it and lost it all?
There have been many attempts to analyze why some people become wealthy
from humble beginnings and others lose everything after being millionaires. Or
how there are many self-made millionaires who lost everything then built it back,
plus some. How did they regain their money, their reputation and their respect?
How did they obtain fortune and financial freedom more than once?
It all comes down to your money blueprint. If it’s strong enough, the same
blueprint that can bring about financial freedom can also be the one that pulls you
up when disaster strikes. It is intangible, something that can’t be seen or felt, yet
strange as it may sound, it is the guiding spirit behind all of your major financial
developments.
Look around you. With everything that you see, there are countless systems or
activities that you don’t. In our every day life, there are many examples that
suggest that the invisible leads to the visible.
Think of a computer program. To improve its output and performance, you need to
change the program code. The user can see the better performance, but the user
cannot see the program code that runs the show. Or take the example of a car. To
improve its performance, you need to replace it with superior engine oil. Everyone
can see the output, but who can actually see the cause?
Why not take the more humble example of electromagnetic waves? I bet you
spend a great deal of time talking over your cell phone. But can you see the
electromagnetic waves that transfer your voice to the person on the other side of
the phone? No, you cannot see the waves, but it does not mean that they do not
exist. They do exist and that is the reason why you do all that talking on your cell
phone! If you never saw or met your grandfather, does that mean he never existed?
Of course he did, and that is why you exist, too.
In all of the above examples, you can clearly figure out that there is an invisible
cause, which leads to a visible result. Your money-map is the invisible cause that
leads to your wealth, which is the visible result. This is the map that guides
everyone, just like a roadmap, to the goal of money and wealth. Unfortunately,
90% of people cannot utilize this map and they end up with a bleak financial
future.
Your mental world rules your physical world. All that happens in your physical
world is really a result and a manifestation of the working of your mental world. If
you are in a good mood, you enjoy working. The results of your work are
excellent, too, and you receive compliments. Wouldn’t you agree that when your
mind is troubled you end up with poorer output? Can you swear that your output is
always uniform at all times, even under stressful mental conditions?
You have seen the performance of cricketers and other players swinging vastly
from excellent to poor. When they play well and score centuries or goals for the
country or for the team, their fans are overjoyed and put their heroes on a pedestal.
When the same players fail to perform, the very same fans are irate. Very few fans
actually sit down to analyze why their favorite players are sometimes perfect and
at other times in poor form. The reason is the same; it is the master controller, the
CPU of the human body, the mind, which plays pranks. Apart from being public
figures, these players are also human beings. They are people first and players
later. Their physical world is also affected by their minds, the same way in which
our physical world is affected by our minds.
Think of it this way, many young men reaching their thirties often face the
problem of hair loss. It scares them. They believe it is a disease and they consult a
doctor, who explains to them that hair loss is not a disease, but it is often a
symptom of some other disease that is within them. Diagnosing and treating that
disease often stops the problem. I explained to Greg that his actual problem was in
his mental world, which was showing results in his physical world.
Why wasn’t Greg making money? Why don’t most people make the kind of
money they desire? They spend most of their life chasing money only to come up
short. They say, “I wish I could make more money,” but they don’t do anything
about it. There is a block in their mental world that prohibits them from realizing
their dreams in the physical world. Having a wish list is fine, but it’s the steps that
you take to make those wishes come true that determine your financial future.
Has it ever happened to you that you started with a list of tasks to be accomplished
during the day and wound up forgetting a few? It happens with everyone. You
wake up in the morning and start planning your day. You try to remember all those
chores you must do. After breakfast, you leave home, drop your child at school on
your way to the office, complete the office tasks by 6 p.m., meet with your tax
lawyer after that to discuss tax deductions, buy the surprise gift for your darling
wife wondering how she’ll react to it, when it suddenly strikes you that you forgot
to inform your driver that your son had a half-day at school. You then call home
and your wife gives you a piece of her mind. Just as a single drop of limejuice can
spoil an entire bowl of milk, this one mistake has spoiled your entire day. If only it
hadn’t slipped your mind.
So why burden your mind and memory when you can easily write things down?
Jotting down the day’s plan in advance is an excellent way to improve your
professional and social life. Use any device that you are comfortable with such as
a small diary, an organizer, your cell phone, computer, iPad, anything at all. See
how easily you improve at managing your tasks and how much faster things get
accomplished.
Writing things down is the first step to getting things done. It is much more
systematic than trying to commit things to memory. In any modern office,
employees and leaders are asked to write down their tasks and targets and pin
them up some place where they can see them all of the time. In fact, tasks and
targets are written in large letters on a white board as a constant reminder or they
are monitored on shared computer software that everyone can access. If you see
them all of the time, you stay focused on the project benchmarks and become
more efficient in your productivity.
Do not keep these sheets of paper hidden somewhere out of sight. Put them up
everywhere in your house where you spend the maximum part of your day. Pin
them up in your study, your bedroom, the kitchen, or even on your bathroom
mirror. Post them in your office. Make these words your computer and cell phone
desktop and screensaver.
Do not worry about what others might think. This is an open announcement of
your goal and these words will be staring at you all of the time for the next two
years as a daily reminder of your oath. Let others see your oath. Don’t let it bother
you if it becomes a topic of their discussion; let it work as a catalyst in helping you
move towards your goal. Because when others get to know about your goal, you
will not be able to step back from it. It will only strengthen your determination to
move forward.
This open announcement will close all doors for turning back, for running away.
There is only one way to go: up ahead and forward towards your goal. Remember,
the journey of a thousand miles begins with one tiny step. This is your first tiny
step.
I soon noticed that the child showed signs of uneasiness whenever there was a
kissing scene in the film. He looked away and even closed his eyes in disapproval.
It wasn’t difficult for me to imagine that the boy must have been told to look away
each time something similar was shown on television. This bothered me, so I had a
talk with my friend and told him that he had inadvertently programmed his child’s
mind with the wrong signals. I explained that kissing is something very natural
among human beings; it is an expression of love. His child and all children should
learn that everyone in the family can show affection.
By encouraging him to cover his eyes each time a kiss was shown on the screen,
my friend had actually damaged the programming of his son. He had conveyed the
wrong message to him. To the child, kissing was something very shameful. It
automatically made him close his eyes and feel nervous whenever he saw two
people kiss on screen. I still don’t know if my good friend took measures to
correct that situation, but I hope he did.
Just as this boy’s mind was programmed in this situation, certain factors also
program our money blueprint. Our financial future is a result of the way our
money blueprint has been programmed and it can either be magnificent or
disastrous. The programming of your money blueprint starts at a very young age.
If you’re not where you want to be, I will help you understand where your money
blueprint went wrong and also how you can rectify it. Read this book carefully and
you can successfully alter your money blueprint and set it right. The same methods
are taught more intensely and in greater depth for more effective results in my
Secret Millionaire Blueprint Seminars held worldwide (ArfeenKhan.com).
Let’s now take the example of the game of slot machines. When you play on them,
having fun is the primary aim, yet at the back of your mind, you secretly hope to
win a fortune. But why is it that very few people make a fortune from the slot
machine? Again, it’s because of the program that runs in the background. There is
an electronic program that operates the slot machine that decides that perhaps for
every 100 games played, there will be one random million-dollar jackpot winner.
So if you wish to hit the jackpot every time, you will have to alter the program that
runs the machine. Only altering the machine’s program can ensure your being a
millionaire. Similarly, in order to be a millionaire and to live a king-sized life, you
need to reverse and change the programming of your mind and therefore your
money blueprint.
Auditory Programming
Whatever we hear during childhood has a very powerful influence on our lives. It
is one of the strongest influences that conditions a person’s mind and molds it.
Exquisite glassware, from chandeliers to wine glasses, is shaped when the material
is soft. The human mind also is molded from a very young age when it is still
tender and malleable. Thus, the early auditory influences are very crucial in
shaping our minds, including building the money blueprint within it.
Rewind your memory and try to remember how your parents reacted when you
desperately wanted them to buy you something in your childhood days. Did you
always get what you wanted? I can bet you didn’t. I’m sure your requests and
demands were often met with firm denial and reactions like, “We don’t have the
money now,” or “Money doesn’t grow on trees,” or perhaps you just got a fierce
glare that said, “No.” All these reactions have, little by little, influenced your
pattern of thought and shaped your money blueprint.
You may have started believing that money wasn’t something that could be easily
obtained, or worse, that it is evil or people with money are evil. Deep inside your
mind you may have formed an unfavorable picture of money and rich people.
Such prejudices have been hindering your clear thought and have caused deep
abrasions in your mind and in your money blueprint, thus preventing you from
going ahead and conquering financial heights.
What if you thought of it another way? Perhaps you would change your
perspective on money and wealthy people if you focused on all of the good that
can be done with it. Philanthropy has been on the rise over the last few years with
many celebrities and high profile industrialists donating their money and their time
to charitable causes. It has become a trend that when you reach a level of
prosperity, you use your influence and resources to ‘give back’ to those around
you.
When I think about the act of giving back, I am reminded of Mr. Vikram
Manjreker, a Mumbai-based businessman in his forties, whom I met at one of the
Secret Millionaire Blueprint Seminars that I was conducting in India. Vikram was
a real estate developer earning millions already. (Several millionaires attend my
seminars to learn how they can take their business to the next level.)
Vikram approached me during the break and told me his problem was that he
could not hold on to his millions. I asked him to visit me at my office a few days
later so that I could hear his story in greater detail and offer help. I learned that
Vikram came from a Christian missionary school background where the greater
part of his formative years were influenced by a teacher, Br. Doobah, who later
became the Principal of the school where Vikram had studied. It soon appeared to
me that the teacher’s influence on his life was deeper than average.
My hour-long conversation with Vikram revealed that he had often heard from his
mentor statements like, “money is the root of all evil,” “filthy rich,” “money
doesn’t buy happiness,” “the rich get richer and the poor get poorer,” etc. These
statements had conditioned the subconscious mind of young Vikram over the
years in such a way that they instilled in him a sense of disapproval of the rich. He
had been deeply attached to his teacher and later on in life, when Vikram became
wealthy, his subconscious mind didn’t want the teacher’s disapproval. What else
could he do but get rid of his excess wealth since he didn’t want to be filthy rich,
stinking rich or evil? Mind you, he wasn’t doing it consciously; it was his
subconscious mind that was sending out disapproving signals of the accumulation
of wealth. Experts say that our subconscious mind listens to our emotions rather
than to our reasoning. For Vikram, this was definitely the case.
So for understandable reasons, Vikram was losing all of the wealth that he was
making. I asked him to attend my next Secret Millionaire Blueprint Seminar that
was coming up in New Delhi the following month. He did so and was able to
understand that his money blueprint was in desperate need of change and
reconditioning. He was able to identify the damaged circuits and he understood
what he needed to do. He thought up a solution himself, whereby he would not
have to face the disapproval of his mentor.
Vikram met Br. Doobah and told him that he’d like to acquire the land adjacent to
the school so that an additional wing could be built for its increasing number of
students. He did this as a charitable gesture towards his school, also funding the
cost of construction for the new building. Quite interestingly, the Principal took a
new stand on wealth and today publicly praises Vikram and commends his
generosity.
Vikram is doing quite well now and has expanded his construction business to
other Indian metros. Approval from his mentor on the issue of money brought
about the major change in his money blueprint and consequently in his financial
career. He now celebrates his abundance instead of feeling badly about it.
Imagine that you have the ability to create an abundance of wealth, so much so
that you can now share that wealth with other people. What if your goal in life was
to become not just a millionaire, but also a multi-millionaire? Not even a multi-
millionaire, a billionaire? How much change could you create in your community?
Andrew Carnegie made a decision in his life that he was going to create
abundance in wealth with the direct purpose of giving it all away. Bill Gates made
a similar decision and now others are following suit. What if you gave away 90%
of the money in your will when you die, but that 10% of that was left over and it
was so much that generations of your family could survive?
Later in the book, we will discuss further ways you can change the influences of
auditory programming, permanently eliminate your negative money beliefs and
give back to causes close to your heart.
Visual Programming
What you see is what you…learn. Qualities that you see and admire in others do
not take a lot of time to creep into your system. Knowingly or unknowingly, we
are copycats. We copy what we like. We like someone’s style of dressing, walking
or talking and we emulate it. We buy the latest fashions because that is what we
see on screen or in the pages of glossy magazines. The basic human nature of
being copycats is illustrated in the following examples.
Example #1
The discipline in an office kept dropping each day with the employees regularly
coming in late. Not a single day went by when the workers arrived on time. The
boss decided to keep a register where they had to compulsorily fill in the arrival
and departure timings (before automated swipe cards came into use). For the next
few days all employees were on time, but old habits change hard and they started
reporting late all over again. The boss wanted a better plan so he came up with the
idea that employees would have to mention the reason for their delay if they
entered 15 minutes later than the scheduled reporting time. Once again, for the
next few days all employees arrived on time.
But they soon discovered an easy solution – the first one who entered late jotted
down his reason and the others marked “ditto” below it. One day a woman
employee was the first to enter the office, late as usual. She wrote her excuse,
“Visited my doctor to discuss my pregnancy.” All the other employees who
entered after her wrote “ditto” below that line. They didn’t even look to see what
they were copying!
Example #2
A king who was the disciple of a great spiritual teacher was so impressed by a
grandiose religious ceremony arranged by the guru, that he later tried arranging a
ceremony exactly like that, on a similarly grand level. Everything was almost
perfect except two cats were needed to complete the setup. There were supposed
to be nine cats tied to a pole on the eastern point of the worship ground, but only
seven cats had been found. He ordered his men to set out in all directions to find
two more cats, but after several hours, his men returned to him empty-handed. The
king was disappointed; time was running out. He ran to his teacher to ask for a
solution. “Oh great Guruji,” he pleaded, “please save me.” “What is wrong?”
asked the spiritual teacher. “I have arranged for the religious ceremony just like
yours. All the preparations are completed, except for two cats. What can I do
now?” he grieved. “Two cats?” asked the spiritual teacher with astonishment.
“Yes, Guruji. I had noticed that you had kept nine cats tied to a pole facing the
© Peak Performance Seminars Pvt. Ltd. 10
The Secret Millionaire Blueprint: Creating Wealth with Your Mind
east.” “Oh, those cats were disturbing me, so I had them tied up,” replied the guru.
Ever seen millionaires who prefer to fly economy class? There are plenty of them.
Is it their modesty that makes them do that? Perhaps it is. But if we scratch
beneath the surface, we will invariably see that some of these millionaires are a
product of middle class struggling parents who had to keep an account of every
penny that they earned. Try as they may, their children cannot shed the money
blueprint sketched by their parents. These millionaires find it difficult to take
business risks with their money, since they have always seen how difficult it is to
earn it. Millionaires with a distorted money blueprint find it difficult to multiply
their money to its optimum growth in the long run.
But not everyone’s money blueprint becomes a clone of that of their parents. Ever
heard the phrases, “angry young man” or “angry generation?” Why do young
people grow angry? What is at the root of all of this angst?
Many young people are not happy with the way money is dealt with by their
parents, but living at papa and mama’s mercy, they cannot vent their frustrations
by openly protesting, thereby hurting their parents. These young people have a
feeling of deprivation that builds up and envelops them. It infuriates them that they
cannot change anything about their home, family and money matters so they spend
more time outside, some going as far as taking drugs to escape. These young
people want to make their own rules so when they finally do become economically
independent, they go in exactly the opposite direction as that of their parents.
What happens then? Do they become king-sized this way? Hardly ever.
Unlike the first group who rebelled against what their parents did, there is another
group of young people who dream of the day they will earn their first pay. They
can’t wait to change all of the rules, work hard, save and when they actually arrive
at that stage where they can be in control, they are tired. They become complacent
with their earnings. They settle. And all of those dynamic dreams that they had
nurtured not so long ago begin to vanish.
Of course, there is another group of young people who take a different path. They
see their parents struggle, work hard, save and when the time is right, they do
prosper and become abundant. What is their secret? How do they detach from the
old images that were part of their life for so long? I believe the success comes
from the challenge. The challenge gave them the ability to stretch beyond what
they knew and to find another way. The key here and one of the basic principles of
this book is that the drive may be for the money, but the ultimate success is who
you become in the process of creating that wealth.
Now, it’s not easy to forget the fear we may have seen in the eyes of our parents
with regard to money and wealth – fear of the uncertainty of the future. Whatever
we cannot see creates fear within us. That is why people are afraid of the dark or
afraid of death. We cannot see what is ahead in the dark, nor can we see what lies
beyond death. Since we do not know what lies ahead in the future, this fear of the
unknown, especially when dealing with money, makes people hoard their wealth.
They then, usually unwittingly, pass down this fear to the next generation.
Accumulating wealth from fear of an uncertain future can never be the example of
a champion money blueprint. In several of my Secret Millionaire Blueprint
seminars people have stated security as the main reason behind their desire to
grow. Security as the driving force is actually the fear of insecurity. If any of these
people ever become millionaires, this fear will get transformed into another form
of fear – the fear of losing what they have made. The fear factor cannot be a
winning formula.
I will discuss a little later in the book how you can start reconditioning your mind
to reverse your fears and any other negative visual programming.
Incidental Programming
William, or Bill, as I call him, is my friend and neighbor in London. “You solve
the financial difficulties of everyone else, but not mine,” he chided. I was taken
aback because I’d never imagined he’d be in any financial difficulty. After having
a long talk on his financial matters, I got to know that he was doing pretty well in
his music business but he just couldn’t keep the money with him. Money came
and went, flowing away like water through the fingers of his hands. “What’s
wrong? Why is my money just draining away?” he asked.
To understand his problem, I had to learn about his past. It was not easy, though,
to cite one single incident as the cause for what was happening, when life is the
sum total of millions of incidents. Among other things, Bill told me that at the age
of 14, he had witnessed something quite horrifying, a murder right in front of him.
Bill said he lived in Soho, London. Soho was quite a notorious place then and his
neighbor was a rich and successful Spanish builder by the name of Antonio Garcia
Marcos. It was a routine Sunday evening and the young boys of the locality were
playing cricket. Antonio was also playing with them. A motorbike stopped very
close to them, about 10 - 15 feet away, screeching to a halt. He was able to see two
masked men, one of them with a pistol in hand. In no time, he heard the sound of
gunshots and saw flashes of light. The next thing he saw was the gruesome sight
of Antonio lying in a pool of blood while the two men sped away.
Antonio died within minutes, but the memory of this incident could not be erased
from Bill’s mind for months. The killers were caught, but for weeks and weeks,
Bill could hear sounds of gunfire and see blinding flashes of light. His father took
him to some of the best psychiatrists of the city and he was under treatment for a
very long time.
This incident that Bill had witnessed in his childhood led him to believe that
financial success would lead him to his death, perhaps in a similarly ghastly
manner. Bill was a victim of incidental conditioning of the mind and his money
blueprint had shaped up in such a manner that he subconsciously wanted to get rid
of his money. As a result, whenever he made money, he found ways to get rid of
it, most often by overspending.
I invited Bill to a series of my Secret Millionaire Blueprint seminars and today Bill
has overcome his fear arising from incidental programming. He used the tools that
I will outline in this book to help him move beyond his barriers and towards a
compelling future. He recently married his childhood sweetheart and they are
abundant in many ways.
Our money blueprints are often programmed by certain incidents that leave a deep
mark on our lives. The reverse action is a reconditioning of the mind and of the
money blueprint. We will go into this in greater detail later in the book.
Sit somewhere comfortable and where you will not be interrupted. Fill in the
following lines or do this exercise in a journal. You are not required to write down
everything within 15 minutes; this is not a test. You may need a few days to
remember a point worth noting, but this exercise will spark your unconscious
mind and bring awareness of how and why your mind has been shaped in money
matters. From there, we will begin the process of rebuilding your money blueprint
so that it is clear in your mind and you are ready to take action.
1. What did you hear and how did it affect the way you feel about money?
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2. What did you see and how did it affect the way you feel about money?
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3. Were there any specific incidents that occurred that affect the way you feel
about money?
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The first step towards a change is being conscious of the auditory, visual and
incidental influences on your life. Once you are aware of the factors that have
induced these three forms of programming, it will be easier for you to disconnect
yourself from them.
You are a complete person with your own identity and it is not necessary for you
to live in the shadow of others. Your thoughts need not be an extension of the
opinions of others. It is possible to disconnect oneself from parental and other
programming. I have seen parents who are superstitious, but whose children have
grown up to be rational and logical, free from superstition and undesirable
influences. You can and will refresh your life with your own thinking and
programming.
Announce that you are a different person; take an oath that you can overcome all
of the negative thinking and can emerge as a person with your own original
thoughts.
You can become a millionaire with a king-sized mind. Print your announcements
and display them where you can constantly see them. It will always remind you of
your oath.