Chapter 10 / Part 1 / The Formula for Riches / The Difference Between Rich and Poor / by Dr. Hannes Dreyer.
Chapter 10.
The question then remains, how is it possible to invest 11 cents and turn that into $142,000 in less than 40 weeks.
(or more than $1,428,000 in less than two years and three months)?
In this chapter, I will show you how I applied The Formula For Riches regarding the financial challenge I undertook in 2004.
I will also concentrate more on the application of The Formula For Riches. In earlier chapters I explained the basis of the formula, to recap is always a good thing and I will do so in this chapter – but the process I followed is even more important.
Let’s Begin.
The Amazing Formula for Wealth Creation? is based on four pillars:
By applying the different strategies in relation to one another in a proven system everyone can become successful. In order to manage it, you need to know that there are only four elements you can manage. These are what I called TEM$.
People differ and therefore reach different outcomes even if they apply the same system. The main difference is the individual talents and gifts you have received from God. By developing your gifts and talents and applying them to the Amazing Formula for Wealth Creation? you keep your individuality.
M is for Mindset.
Another absolutely central issue is mindset (M). I hope by now, especially after reading the truth about paper assets, you are starting to see that our perceptions shape our reality, and our perceptions are shaped by others, not for our own good.
We have to control our mindset, and while this is not the central subject of this book, I strongly recommend you read “thinking” books on the subject and search for appropriate tools and workshops to help you grow and develop greater awareness.
The importance of mindset cannot be overstated. Without a different attitude, you simply do what everybody else does. So you get much the same results. And we know what those are.
Already in this book, your mindset has been challenged, and I recommend that you ponder these challenges and your response to them.
I would like to set down here a list of the ways in which we resist change and challenges. See if you can find yours here. If not, if your response does not fit into any of these or combinations of these, I would really like to know about it – you are welcome to let me know.
The First Response is the “Who is this guy?” Reaction.
“Who is this guy? Hannes Dreyer ... never heard of him! Why should I listen to him and not all those household names out there that everyone knows and feels safe with? Those trustworthy banks and life insurance companies with their warm, caring adverts??
All those expert spokesmen quoted in the media, warning us of scams? Maybe he’s a nut. Maybe he’s a con artist. Who knows? I’m on my own when I make this call because nobody’s heard of him!”
If this is what you’re thinking, then you probably feel safer with names you know and trust, such as blue-chip financial institutions; commentary in the media; your own personal financial planner; friends, and family.?
In this case, unless you are getting fantastic growth on your money, ask yourself...
Ultimately the test is does their advice work? The statistics say no, but take a good look at your own portfolio.?
Remember that just beating inflation is not good enough, not if you want to create the kind of riches that make you comfortable and help you retire quickly.
Then, test out my system. Unlike anything anyone else is likely to offer you, I give a guarantee. And you can start without a cent, so there’s no risk.
The second response: this is so way out it can’t be right.
The school trains us to be good “soldiers” – to march in step, to think in step.?
We hate what it does to us and so most of us swear never to go back to learning.
Often, we never touch a book again either, if we can help it. From the moment we leave the formal education system, our education comes almost entirely via the media, public relations, and “free” financial planning, so we have cut off our chance to keep an independent mind.
But our brains don’t switch off, even if we have chosen not to learn anymore. Every time we turn on the television, we allow a bunch of people to march uninvited through our brains, telling us to want things, telling us what to want, telling us what will make us happy, telling us what to do.
So we absorb the point of view of people who want us to think their way, for their profits. We aren’t even aware that we’ve become their servants, working hard to afford to buy the things we think we want because they tell us we do.
According to their doctrine, what I am saying here today is irrelevant and even dangerous because it threatens their profits. So they do not tell you the truth. And so the truth, when it comes, can seem strange, odd, and even bizarre.
The Third Response: This is Tiring, it’s Bending my Brain, I’ll Think about it Later.
Good soldiers don’t think, they obey. In order to be good soldiers in the cause of consumerism, we must not get into the habit of thinking.
?Thinking leads to questioning which is a threat to corporate profits because questioning has a habit of leading people to answers, to the truth. And the truth is not compatible with easy corporate profits made off ignorant people.
For this reason, we are not trained to think – we’ve been out of the habit since early childhood. Anything we’re out of practice with is hard work when we try and do it again. Your mind is in many ways very like a muscle, and scientists have found that exercising it actually keeps it young and strong.
Learning a new language, for example, protects you against your mind “softening” with age because it actually creates new nerve pathways and connections in your brain.
Mind exercise is thinking.?Thinking is not what consumers are supposed to do. So we are never normally called upon to think, or not beyond a narrow range of topics, and in fact, independent thought is often subtly discouraged or punished outright.
The end result is that we are lazy thinkers and we don’t even know it. Yet thinking is not hard once we have developed the habit. My suggestion is to treat it like a fitness program and build up slowly, give yourself time to digest the changes, and build new mental muscles.
This is such a great thing you’re doing, because not only are you setting yourself free from financial slavery, but you’re doing something good for your brain health and your life as a whole will benefit.
How do you get into the habit of thinking??Ask questions about all your assumptions. Test them, explore them, find the “fuzzy thinking” in them and clear it out, find out who benefits from your current thought patterns. Think out of the box, think, and ask questions in all areas of life. You will be amazed at the results!
The Fourth Response is: Maybe he’s right, maybe not, I think I’ll Play it Safe.
Thanks to all those advertising dollars, we are conditioned to think that our money and our futures are safe in the hands of banks and other financial institutions. We are discouraged from taking responsibility for our own financial futures (we are “not qualified”) and we are warned away from “taking chances”.
Now let’s pretend for a moment that these companies never go bankrupt (which of course they do). Say you can be absolutely sure that when you need to cash in your pension, it will be there. How safe is that? Let’s take a look!
I can prove (see the calculations in www. retire quickly.co.za) that in order to preserve your current lifestyle when you come to retire, depending on your age now, chances are good that you would have to save your entire salary.
That’s because most institutions are only going to give you a percentage point or two above inflation.?
And of course, there’s tax to consider, and even if you don’t pay it on the proceeds of your pension, you certainly pay it on the installments. So essentially the tax cancels out the puny growth, and inflation takes the rest.
You did not read this wrong: I said, chances are you have to save your entire salary to maintain your current standard of living after retirement.
And because that is usually impossible, most people are guaranteed to take a big drop in lifestyle when they retire, or they have to rely on help from their children. Or they have to go back and try and get another job in a few years’ time, when they should be retired, and are no longer very employable.
How safe a future is that?
Now that you know how Important Mindset is, how do you go about Managing your Mind?
Ever sworn to give up smoking only to start again days, weeks, months, even years later?
How many “last ever” cups of coffee have you drunk?
How many diets have you gone on and gone off again?
These questions suggest another line of resistance to change, and this is purely internal. This is when your subconscious mind, of which you have next to no conscious awareness, overrides your conscious goals and sabotages you.
Why?
The subconscious mind is not rational, it is irrational, and it is driven by emotions and distant memories which may have helped us once but hinder us now. And because we are scarcely aware of our subconscious minds, we do not work through and discard old patterns which do us no good anymore.
Learning to fear the unknown may keep a toddler from getting bitten by a dog but fear of the unknown as an adult just keeps us in our place.
Learning that sometimes he is “bad” keeps a toddler manageable and starts molding him to become what society expects of him.?
But if he is bad, does he deserve to be successful??
Or must he fail, so that he does not disturb this self-image?
So, to oversimplify terribly, vague, and scarcely conscious fears and other conditioning may keep us from exploring new avenues which would free us financially (and otherwise).
To get to know what lies buried in the subconscious, many people who have difficulties in life go for analysis and this way they shed light on why they get stuck in bad situations. There are many people whose lives have been radically transformed by this kind of personal growth.
There are other techniques as well, a very quick method to make sure that your subconscious and conscious minds are working together and not against one another is a technique I call Powermorphing?.
Not only does it align your conscious and subconscious minds, but Powermorphing? goes much further – it actually harnesses the immense power of your subconscious mind and puts it to work on your goals. This “supercharges” them and helps you reach your goals incredibly quickly.
It all starts with what you want to achieve, and how much you want it.
First Things First.
You must have the intention of becoming rich. In this challenge, I decided that if a person knows how to build at least $1,500,000 in less than five years starting with less than $1 they will have the tools and systems to become as rich as they want to become.
So my first goal was to invest less than $1 and turn it into $1,500,000 in less than five years.
It is really important that you must decide what you want and when you want it before you do anything else.
I find the Powermorphing? process the best system to program the goal (my intention) into my subconscious mind because it is an easy and very effective way to reach your goals.
Powermorphing? is a scientific process whereby a person can consciously program their subconscious mind to give them what they want.
(Powermorphing? is a subject on its own and does not fall within the scope of this book but it is one of the best self-development tools which are available to the program and achieve any goal or PowerGoal? a person may have.)
Unless a goal is converted to a PowerGoal? the chances are less than 0.5% that a person will achieve his or her goal.
So the first thing I did was to take the challenge and change that into a PowerGoal?.
In order to qualify as a PowerGoal a goal must have:
A desirability ratio of 100%.
A difficulty ratio of 100%.
100% Desirability.
Unless you truly want to achieve your goal it will never happen. It is vital that you write your goal down as a PowerStory? in such a way that you (both your conscious and subconscious mind) understand the importance of achieving the goal.
The reason why I use the PowerStory? to define The PowerGoal? is simply that unless I can discover and eliminate all resisters which are embedded in my subconscious mind, it will be impossible to achieve my goal no matter how hard I try.
This is because your subconscious mind and conscious mind are often in conflict and this means most people never achieve their goals. If the subconscious and conscious minds are in conflict the subconscious mind will always win.
The desirability must have a 100% ratio. In other words on a scale from 1 – 10, it must have a reading of 10/10 (100%) in order to become a PowerGoal?.
There are too many things that occupy the mind. Our lives are filled with distractions and other people’s agendas.?
Unless it is clear (focused) on the goal it will not be possible to achieve this goal. It is also vital that the mind understands the importance of the goal on a conscious and unconscious level.
In other words, it must be clear and programmed into the subconscious mind without any resisters which will prohibit you from achieving your goals.
Over the years I have found that desirability is the most important aspect when it comes to achieving your goals. Unless you really want to achieve a goal you will not achieve it. This is why the Powermorphing? process is so vital.
This desirability can also be expressed as intention and this intention is what I refer to as the “$” in The Formula For Riches.
100% Difficulty Ratio.
A Power goal will always have a 10 out of 10 difficulty ratio. This simply means on a scale of one to ten where ten is the most difficult a PowerStory? must always be a 10/10. The Power goal must be formulated in such a way that it is going to be very difficult to achieve, but it must not be impossible.
Although this specific challenge would not rate normally as a 10/10 for me I wrote the PowerStory? in such a way that it eventually did – because I had to find the time and energy not only to meet the challenge but also to mentor my students at the same time.
(I keep a kind of diary of the process of achieving this challenge and week by week my students follow it, to learn how I do things. The mentoring fees do not form part of the challenge.)
Once your goal has a 100% desirability and 100% difficulty ratio you can start to convert the goal into a PowerGoal? by formulating the PowerStory?.
This is a short summary of what I did.
In order to get to the PowerGoal ? one has to create a PowerStory? first.
In order to check if this wealth challenge goal could become a PowerGoal?, I followed the following process first.
First name your goal so we know what goal we are working with. Now describe your goal.?
Check to see whether the desirability is 100%. Check to see whether the difficulty rate is 100%. Once you know what you want you must turn that goal into a PowerStory? before you can morph that into your subconscious mind.
Now write a PowerStory? and include as much of the following as possible:
What do you want to achieve with this goal?
What is the purpose behind this goal?
Then turn the list into a goal by asking and answering the following questions and motivate them to the best of your ability (on paper or on a computer):
? Q1: Do I really want this?
? Q2: Is this in conflict with any of my other goals?
? Q3: Will this goal be in conflict with my personal beliefs or situation?
? Q4: Can I get others around me on board without losing control?
? Q5: Is the goal story stated in positive rather than negative terms?
? Q6: Is it expressed in detail or is it rather vague?
? Q7: Is it realistic?
? Q8: What qualities do I need in order to achieve this goal?
Will it feel good and what can I do to make it feel even better?
Is it good for me?
Is it good for others?
Does it contribute to the greater good?
Then list all benefits you can think of.
List all the negative consequences you can think of.
In the case of a normal goal, you set out your strategies. If this is a PowerGoal? you do not have to set out any strategies simply because you will unconsciously attract what you have to do in order to achieve your PowerGoal? In order to achieve your PowerGoal? you need to be flexible.
Next, you will plan out your problems if it is a goal. Just like a PowerGoal? this step will not be necessary.
Relate your goal to time frames.
It is vital that your PowerGoal? has an endpoint date.
You will then formulate how you will know if and when you have achieved the goal.
For a PowerGoal? you do not need a master plan – it is amazing how the “master plan” will unfold before your eyes on a day-to-day basis. I do not have a business plan for any of my businesses but I do follow the Powermorphing? process which is infinitely stronger than any business plan I have seen.
Maybe you should see this statement in context. I have a Masters's degree M.Sc.(Econ) so from a professional background, I know that we are taught that it is vital to have a business plan. The truth is if you are working with normal goals it may or may not be a good thing to have one, but when you are working with PowerGoals? a business plan will actually limit you.
The last thing you should do with normal goal setting is to create a belief system. Again with a PowerGoal? it is not necessary simply because what you want to believe is “almost” impossible.?
The moment you have put the PowerGoal? into your subconscious mind the belief system will be in place. It takes only minutes to create an unwavering belief system when you follow the Powermorphing? process.
Resisters.
When I look around me, I do not see many rich people. So let me ask you a personal question that may change your life forever.
领英推荐
What’s holding you back from having the wealth, the success, the riches, and the life which you’ve always aimed for?
Is it something that can be addressed at a conscious level, such as improving your education or changing your career, or perhaps beginning an exercise program?
Or is it some habit or attitude which is so ingrained that you are not even aware of it, something that needs to be changed at the subconscious level?
Let me explain what I mean.
Do you know that all financial limitations are what I called learned limitations? You were not born with them – you had to learn them – and even more fascinating is the fact that more than 95% of these limitations were embedded into your subconscious mind before the age of seven.
These limitations form part of your belief system. And your belief system dictates the outcome of who you are and what you will achieve in life. In other words, without knowing it, you create your life according to what you believe.
These self-imposed limiting belief systems are called resisters.
I’ll give you an example. A common belief system is: life is hard and money does not grow on trees. You may believe this without even knowing it because you learned it early – before you were old enough to question it.
And guess what happens when you grow up?
Life IS hard.
Money IS scarce.
It is a self-fulfilling prophecy.
Without even knowing it, you make choices that mean you find life hard and money scarce. No matter how hard you try.
If you are like most people, you are not even aware of the fact that someone else has programmed you about finances – it may have been your parents, your school, your church or even an aunt or a friend or whoever – but chances are someone else has programmed you incorrectly.
Because it happens at a very young age we are often not aware of it at all.
So what happens is that as we live our lives day to day, not getting the results we want, we feel like failures – all the time not knowing that we are sabotaging ourselves!?
Our own subconscious ideas about money are working against us, undoing all our hard work, and wasting our effort.
And all this is simply because most of the programming happened before we were seven – before we were even aware of what was happening in our lives on a conscious level!
Even though our “financial programming” had nothing to do with us – it was not our choice - this “programming” dictates our financial success and outcomes for the rest of our lives.
The good news is, once we know this, we can do something about it, and we can do it now! And it’s easy. And you will feel results immediately.
The funny thing is that most people never do anything about it. I think it’s because they don’t even know what is getting in the way of their dreams. And this problem is almost universal! You can see this if you look at the statistics.
According to the calculations of the financial instructions and their actuaries, less than 1% of the population will be rich when they retire. If less than 1% will be rich, then 99% will be poor, or struggling! This tells me that most people do not know what is really going on.
Think about it - 99% of people will be poor or struggling or have to work beyond retirement age.
To me this is frightening – but also it makes me so passionate to teach people like I’m doing now because it does not have to be that way! You can escape the statistics, but it does mean you will need to look at things differently to the way most people do ... otherwise you will get the same outcome as they do.
Unless you find a way to discover what your belief systems are and how they keep you from having the wealth, success, and happiness you’ve always aimed for, you will never get what you want in life no matter how hard you try.
This is because what you want on a conscious level and what you believe on a subconscious level are in conflict with one another. And most people don’t even know this because it all happened before they were seven.
So there’s a battle going on inside that they don’t even know about. And the subconscious always wins because it’s much stronger. Also, how can you fight an enemy which you can’t see and don’t even know exists?
As a result, people feel frustration, anger, resentment, tension, bitterness, and envy.
I do not like to see the stress on families and the damage to our health and the world around us that is the end result. And all for no good reason! All because of incorrect programming.
The thing is, most people never question their belief systems. Most don’t even know they run their lives according to a set of beliefs.
Although the signs may be obvious from the outside – we all know people who never have enough money, are unhappy, ill, you can name it – the person in question simply doesn’t “get it” because they do not know any differently. It is all perfectly in line with what they believe deep down about life.
“Life is hard”, they’ll say, and everyone nods. “Money is scarce” – more nod. “You must have money to make money” – more nod. These are very common and very powerful beliefs! And they are keeping you poor!
The thing is you will never discover this unless you become aware of your own belief systems and how you are programmed. After that, you need to be willing to change and let go of that false belief system.
Funnily enough, a lot of people are not prepared to let go of their limiting belief systems simply because they are so attached to what they believe in. They are in a comfort zone, a rut. It is familiar, and things that are familiar are comfortable. Even prisons can get comfortable.
Letting go of those beliefs may be uncomfortable because those beliefs are part of who you are and therefore they give you your identity.
So it’s possible to be a bit at sea for a while when you give them up, of course, there is no question it’s worth doing. What would you rather have, poverty or wealth? Frustration or joy? Dreams come true, or lost hopes?
If you can delay gratification for a little while, and ride out the process, you will change your life beyond your wildest dreams. Everything you dream of can be yours – with ease! I know. I’ve done it. And so have many of my students.
But first, you need to look at your limiting belief systems. Here are some of the most common ones.
Can you believe that I have identified more than 320 of these belief systems? 320 commonly accepted but completely wrong, damaging, limiting belief systems??
I am sure there are plenty more, but I think 320 is quite enough to get on with, don’t you?
They are all excuses, based on a false belief system, for not being happy, successful, or having a life of absolute abundance. And all of these wrong beliefs are the direct result of wrong programming at a very young age.
And the power of your subconscious mind is so great that your conscious mind will not challenge your belief systems – it simply accepts them as the truth.
And then life is a battle. And you do not think there is anything wrong about battling because you also have the attitude that “Everyone battles - we are supposed to battle – that’s life!”
So although you see that the results you are getting in life are not what you want, you prefer not to change simply because this will upset your belief system and make things a bit uncomfortable for a while.
I want to share with you one of the mysteries in life: some people want to change and others do not – and whatever you decide is right for you, is right for you.
No one has the right to tell you what you should or should not do. It is your decision.
However, if you do want to improve and discover yourself and your incredible potential, I may be able to help you – on the condition that you want my help.
I have developed a program to help you. It’s easy, and it’s quick, and it’s incredibly effective. It’s called Powermorphing?. It has the ability to help anyone who really wants, to discover their own true potential and live a life of wonderful abundance.
If you want to have the life you’ve always dreamed of, and if you don’t want to be disappointed and give up, then you need to change.
Nothing will happen unless you make that decision. You have to want to change.
If you refuse to embrace change and continue along the same path you’ve been walking for years, you can’t expect the world around you to change. It won’t.
You’ll meet the same obstacles, the same responses, the same financial hazards, and possibly even the same health challenges which you’ve always faced.
But I can promise you, once you make it a priority to embrace change and improve your own life, healing becomes almost second nature in your life.
By healing, I mean being well in every aspect of your life, from relationships to physical health, and also, of course, financial wellbeing, most people are in desperate need of financial healing and restoration – and many also need to heal their relationships, their bodies, and their spirits.
Powermorphing? will give you all the tools you need to heal any aspect of your life - but more specifically financial healing.
You see, I have found that you already have all the tools that you will ever need inside you. You should not feel that you are lacking. You should never feel that you must depend on someone else for something.
All that happens is you then do not take responsibility (the “Re” in The Formula For Riches) for your own life, and you cannot succeed that way. In fact, our society’s reliance on financial “experts” comes from this feeling of inadequacy.
And who does it serve? The financial institutions, not you!
How do we overcome these resisters?
One of the most effective ways to overcome self-imposed resisters is a technique called Powermorphing?.
Powermorphing is a scientific process for identifying self-imposed resisters you have unconsciously created and reprogrammed your subconscious mind for unlimited success in any area of your life.
How do you know you are encountering a resister?
Your subconscious mind communicates with you through thoughts (ideas) and feelings.
The feelings can be either emotional feelings or body feelings. Listen to them and immediately when a negative thought or belief comes up, take action and address it by following the Resister Removal Process.
You must always remember, you can choose to let these resisters control your life or you can take control of your own life.
The choice is yours and yours alone.
Friend, Foe ... or Family?
It is important to notice that you can also get resisters from outside.
These types of resisters are normally hidden and can come from your friends or family. People you are well acquainted with. They can activate the resister feeling or think or even sow the seeds for resisters to grow.
Be careful of these people.
Never discuss your Power goals with them in the beginning. They will do everything in their power (subconsciously) to build resisters so that you will not achieve your Power goals.
Unless you can identify the resister and deal with it, it will keep you from achieving your full potential.
Familiarity is the enemy.
It is also important to know that sometimes it is difficult to identify some of the most common resisters simply because they are familiar. They feel so good because you have been practicing them for a long time.
Negative attractor fields.
Weak (or negative) energy flow is caused by resisters, and the more negative (or weak) the energy flow; the more resisters are in the path the energy should naturally flow in.
The way to identify negative energy is if you are experiencing any of the following:
In short, if you feel anything other than inner happiness you are encouraging a resister.
Here is a list of some of the common resisters as expressed by some of my students:
? ‘You think this is the best you can do and do not demand excellence.’
? ‘I am always settling for second best.’
? ‘This is good enough.’
? ‘I can’t have what I am after.’
? ‘I can’t have everything I asked for.’
? ‘Feeling unable to make my success image a true 10.’
? ‘I just can’t see myself being truly successful.’
? ‘I feel the 10 I have set to my difficulty or desirability ratio is unrealistic.’
? ‘I feel achieving the Power goal is unrealistic.’
? ‘I can’t do this.’
? ‘This is impossible.’
? ‘No one can achieve success.’
? ‘I do not really want this anyway.’
? ‘It may work for them but not for me.’
? ‘It is too easy. I am wasting my time.’
? ‘It won’t work for me; I may just as well give up.’
? ‘This is not for me.’
? ‘My goal does not interest me anymore so why should I continue?’
? ‘This does not make sense. Why should I find out more?about the topic if it does not make sense?’
? ‘I do not understand how it will benefit me.’
? ‘I always fall asleep when I work with my subconscious mind.’
? ‘I am overwhelmed.’
The one I am getting the most when I conduct the Property Pro Investment course is:
Another Way to Experience Resisters.
In short: anything which makes you less than fully enthusiastic about achieving your PowerGoal?.
Your Intention.
The moment you decide you want to apply The Formula For Riches you must first decide what you want to achieve. Let’s say you want to make $1 million. This now becomes your intention.
The moment you put any money into The Formula For Riches it is not your money anymore simply because first of all, it is a surplus. And secondly, it is not your money it is your investment’s money. Your job (and only job) is to allocate the surplus plus the surplus’s growth, till the investment reaches the goal - say $1 million.
The Key to Unlock the $1 Million.
The first time that you can take the money out of the investment is when you meet your intention. If you say I will be rich when I have $10,000,000 within 10 years for example, and you get to the $10 million before the five years your investment becomes yours and you can unlock it.
But remember, you must know yourself because look at the law that comes before any other...
The Zeroth Law.
You must want to.
Unless you want to, in other words – unless you have the intent ($) to become rich you will never succeed.
I wanted to succeed with the challenge. Why was I desperate to succeed??
Simply because no one is teaching The Formula For Riches and what impact it will have on all the nations in the world to improve themselves financially.
The Formula For Riches is true empowerment. There is no other way to empower people financially.
When I started the challenge I also believed that by showing that it could be done, millions of others would follow and in doing so improve themselves.
When Rodger Bannister said he was going to run the mile in under four minutes, everyone said it could not be done. In fact, a scientist proved that it was humanly impossible to do so.
Within a month after he broke the four-minute barrier, others started to follow and today thousands are doing it.
When I started, all the financial gurus said it was impossible – yet on their investments. Some even get more than 1,000,000%!
It all depends on what you really want – what is your intention (The ‘$’ in The Formula For Riches)?
Now you know what my intention was, let’s look at the rest of the Amazing Formula for Wealth Creation?.
For more information on the Formula for Riches book;