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to them。 They were 〃Born Rich〃 in the sense of havingthe Godgiven potential to succeed （everyone is）； but likemost people； they were at one time short of money。
Understand that you too can succeed； and you will； ifyou will only do as this book suggests。
As I am writing this； I feel pelled to digress for afew lines； to remind you that you have great resources oftalent and ability locked up； within you； just waiting tobe expressed。 In this vein； I can vividly recall listening toa tape a number of years ago； that Earl Nightingale madeon 〃Attitude。〃 I must have listened to that tape literallyhundreds of times and there was a part on it where hesaid； 〃Now； right here we e to a rather strange fact。
We tend to minimize the things we can do； the goals wecan reach； and yet； for some equally strange reason； wethink others can do things that we cannot。〃 Earl went onto say； 〃I want you to know that that is not true。 You dohave deep reservoirs of talent and ability within you； andyou can have the things you want。〃
I wouldn't even want to speculate on how manytimes I heard that section； without really understandingwhat he meant； and then one day I heard it； and everycell in my brain seemed to resonate with the truth ofwhat he said。 I suddenly realized what he was 〃drivingat〃 and I knew deep down inside of me； if they can do it；
so can I； if I am willing to pay the price。 Pleaseunderstand you too can do it； because what Earl had tosay is as true of you as it was of me。 But part of the pricefor you； is to figure out 。。。
How Much Is Enough？
Don't just pull a figure out of the sky。 Do it right
because when you're finished you will be glad you did。
Moreover； this exercise will also help you to develop amore disciplined mind。 At this point you might bethinking this section doesn't even concern you； because
you are already too deeply in debt to start accumulatinga sizeable amount of money。 But you will be happy toknow； we have a great idea which will help you deal withthat problem as well。 Furthermore； you will be delightedto know that in many situationsand yours may be one ofthema person can bee wealthy； even if he or shenever earns any more money than they are earningcurrently。 That thought alone should give you theencouragement you need to continue reading。
By now you should have pleted your list andarrived at a figure； so take pen to paper and write thatnumber down in big bold figures。 Now； clear your mindof that idea and move on with me to another veryimportant idea。 Realize that although this idea might notapply specifically to youat least at the present timeitcertainly will apply to many readers。 Moreover； even if itdoes not apply to your particular situation； it is worththinking through anyway； because you certainly havemany friends and associates it does apply to and you willbe able to share it with them。
I am going to explain this idea to you as if you werea married person with a family to support and you areeither the sole breadwinner or an important contributor。
Now one of the principal reasons for wanting theamount of money you desire is to provide for your family；
and not just in an adequate manner。 After all； you wantthem to live life to its fullest。 Realize； therefore； that aslong as you live and are able to follow the plan outlinedin this book； you will be able to do as you want withrespect to your family。 However； if you really stop andthink about it； you will very likely agree that you wouldwant your family to live 〃the good life；〃 even if you weresuddenly removed from the picturewouldn't you？
Jokingly you might say； 〃No； who cares if I'm gone。〃 Butthis is not a joking matter。 This is a very serious matter。
Of course you careI know it and so do you！
Now； if you're alive and healthy； you will create thiswealth for your estate。 But what if you die or arepermanently disabled？ Well； our society has taken careof that situation as well； we have 〃Life Insurance〃 and wehave 〃Disability Insurance。〃
But； let's get back to your thinking againyou mightbe saying to yourself； 〃Life insurance； what a ripoff。 Thisguy Bob Proctor really doesn't know where he is ingfrom。〃 Well； let me tell you； that when it es to lifeinsurance； I believe I can claim to be an authority ofsortsfor I have conducted seminars for the insuranceindustry for almost ten years； and I have had close to50；000 people from that industry 〃go through〃 myseminars。 Therefore； I can assure you； that when I sayapproximately 95％ of the people whom you talk to arealmost pletely ignorant when it es to the subjectof insurance； I am not 〃talking through my hat。〃
Granted； many of these people hold important positionsin business and industry； in government； or in theprofessions； and because of their positions； it would bevery easy to just assume they know 〃of whence theyspeak。〃 But the sad fact of the matter is； many of themare either badly misinformed or pletely uninformedwhen it es to the important subject of life insurance。
Understand this there is no way to replace yourine and create a certain and instant estate otherthan life insurance； and statistics indicate that althoughmost people are insured； the vast majority of people （atleast 90％）； are dangerously underinsured。 That is tosay； when they die； most people leave behind onlyenough money to pay for their funeral and possiblyenough money to cover their family's living expenses forone year！ The unfortunate part is； that for a relativelysmall sum of money； these people could have had theirfinancial affairs set up in such a way that if something
did happen to them； their financial goals would bereached by their families automatically。
Since this book is designed to help you reach asubstantial； financial goal； I felt dutybound to includethe information on life insurance。 The book could not beplete without it。
（Keep in mind there are only two ways to earnmoney： people at work； or money at work。）
You will be happy to know the remainder of thisbook is designed for the person who is going to LIVE。
Bloom Where You Are PlantedStart Now！
When do you start to live this good life？ Is that thequestion you are beginning to ask yourself？ You startnow。
Start by answering the following questions：
How often do you pay your phone bill？
How often do you pay your rent or mortgage？
How often do you pay your grocery store？
How often do you pay for gas for your car？
How often do you pay your doctor？
How often do you pay yourself？
That last question seems like a strange one； doesn'tit？ But do you realize that less than 5 people in every100 ever pay themselves。 And； if you were to ask theother 95 why they don't； they would probably tell youthat by the time they pay everyone else； there is nothingleft for themselves！
Clearly； those 4 or 5 people in every 100 who do〃pay themselves；〃 have found a way around this problem。
Although the idea which they are employing has beenaround for centuries； hardly anyone today is aware of it。
What is that idea； you ask？ Simply put it is this：
〃They pay themselves FIRST！〃
（This is better known as the Babylonian law offinancial success。）
A Part Of All You Earn Is Yours To Keep
If you think about it； you must admit this 〃law；〃 orprinciple； makes a lot of good sense。 Therefore； let merepeat it 〃A part of all you earn is yours to keep！〃 Morespecifically； what you earn Monday morning is yours tokeep； so it should go directly into a special account thatyou do not have easy access to。
Your Financial Independence Account
What you earn on Monday morning probablyrepresents ten percent of your ine。 Therefore； youshould pay yourself at least that ten percent； right off thetop （i。e。 not after everyone else has been paid）。
From your 〃Financial Independence Account；〃 youfirst pay your insurance premium； because thatinstrument creates your 〃Instant Estate。〃 The remainderof the money then goes into savings； until such time asyou have accumulated enough capital to make a wiseinvestment。 Remember； you do not 〃touch〃 this accountor the interest it will yield。 Therefore； within a very shortperiod of time； you will witness sufficient progress to gainthe motivation and inspiration which y