The Courage To Be Rich (excerpt)

By Suze Orman

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It takes courage to live with financial hardship, and, unbelievable as it may seem, it takes courage to be rich. Why? Because choosing wealth as a goal requires facing everything about your money bravely, honestly, with courage--which is a very, very hard thing for most of us to do. But it can be done.

When it comes to your money, what you think will direct what you say, what you say will direct what you do, and what you do will create your destiny. True richness begins with thoughts of true richness.

Whether you're wealthy or poor, constricting thoughts that tell you you can't are immensely powerful and terribly destructive. I have come to refer to them as thoughts of poverty, and they are insidious; they lead to words of poverty or defeat, and ultimately to actions of poverty and a legacy of poverty that can be passed down for generations. We must learn to still those thoughts.

What's keeping you from being rich? In most cases it's simply a lack of belief. In order to become rich, you must believe you can do it, and you must take the actions necessary to achieve your goal. If you spend a lifetime pushing your fears away, I can promise you that ultimately you're pushing money away as well. The courage to be rich lies in the opposite stance, when you can give yourself the gift of believing in more.

Courage is vision, and it refuses to let today's defeat block our path into the future. Courage is faith. Faith in a higher being, perhaps, or faith in the essential rightness of the world--that correct actions and beliefs are not only their own reward but also qualities that themselves will be rewarded.

I have never met a person who feels guilty about how much they love their children, how much they love their parents, their family, their partner. I have never seen anyone hide the fact that they have a loving family. If there is lots of love in your life, you will tell me with pride and respect and gratitude how rich you feel, rich with love. No guilt there, not a bit. We never feel guilty when we have more than we could ever want of the things that money can't buy; it's only when money comes into the equation that guilt makes its way in, too.

When it comes to money, if you have it, you may feel that you don't deserve it--guilt. If you don't have it, you may feel that you should have it--guilt. If you are working toward having it, you may feel that all you're doing is working for money and you are not enjoying the process. And if it just happens to come your way, then guilt can keep you from taking what could be yours. Money guilt can take the joy out of what you have created as well as entice you to do things that are not necessarily in your best interest.

Feeling guilty about money does no good whatsoever, is disrespectful to you and your money, and will keep more from coming to you. If you have accepted love into your life, then you must accept money as well, for if you don't, you are implying that you are not yet worthy of money and are placing a higher value on money than you are on love--a violation of the first law of money: People first, then money. Make yourself worthy of money and money will make itself worthy of you.

- abridged excerpt from The Courage to be Rich

Suze Orman is considered to be one of America's most recognized experts on personal finance.
To read more about Suze Orman, you can visit her website at

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