“I Am Wealthy” Is a Powerful Money Mindset to Adopt

Even if your bank balance says otherwise

Photo by Andrea Piacquadio from Pexels

“That’s the kind of thing you have to do when you’re poor.”

“That’s how life is when you’re just barely getting by.”

Those were a couple of go-to responses my grandmother made all the time when I was little. Those would be her replies when we’d have blackeyed peas, which I always thought of as a side dish, as the main course for dinner. She’d also resort to those answers to justify not turning on the air conditioner until June, by which time my hometown of Little Rock averages a sweltering 89F/32C.

“Make do” was another favorite phrase of hers. When the clothes dryer or the refrigerator wasn’t running very well, she’d say, “We’ll just have to make do.”

Our family, by the way, wasn’t poor. We were smack-dab in the center of the middle class. My grandmother just liked to talk like we had no money. It may have been because she was a young adult in the Great Depression, and had seen harder times than I ever have. She seemed to see a moral high ground in saying we were poor.

I love my grandmother and miss her, but that is one habit of hers I am glad I failed to absorb. Even when I didn’t have a dollar to my name, I never thought of myself as a poor person.

In fact, lately I’ve been saying to myself at various times during the day, “I am wealthy.” In this article, I want to lay out some reasons why you might want to adopt that as your affirmation, too.

But… the bank says otherwise

For 18 years, I worked in the field of IT, mostly as a web developer. With a master’s degree and a large array of experience, I was paid well. I wouldn’t go so far as to say I was “rich,” but I was well-off, for sure.

The only problem was, I wasn’t happy.

I went from one job to the next with the belief that I could either love what I do, or I could be paid well, but never both. It was a limiting belief I rode until I just couldn’t ride it anymore.

When I was laid off from a corporate application developer job in 2018, I said to myself, no more. I will not go back to a profession that makes me unhappy. I don’t care how I survive, I told myself, but I will not sit in a cubicle writing code ever again.

I lived off my mom’s inheritance for a year, after which I went completely broke. The experience nearly cost me my life. Eventually, I landed a part-time gig at a law firm, using my writing skills rather than my tech skills. Then I found Medium and began to write professionally.

My income from both jobs amounts to around half what I made in corporate IT. Yet, for the first time in my life, I can legitimately say to myself, “I am wealthy,” and I know in my heart I am not telling a lie. Allow me to explain how you can make a similar statement, and still be true to yourself regardless of what number is on your paycheck and bank balance.

The book that changed my mindset

The Science of Getting Rich by Wallace Wattles (1910) is a book that probably wouldn’t even be accepted by a publisher these days.

For one thing, the first few pages start off slow. There are plenty of “This makes so much sense! I get it!” moments, but not in the opening of the book.

It also wouldn’t be accepted for publication because it’s only 77 pages long. A publisher would send it back and tell Wattles, “Build out these concepts more.” Turn your 4-page chapters into longer ones, they’d say. Yet, that's not necessary. Wattles tells you everything you need to know in 77 pages.

It’s also a poor introduction to mindfulness for the 21st-century reader. Having read authors like Eckhart Tolle, Neal Donald Walsch, and Jen Sincero, Wattles makes perfect sense to me. However, without a prior background in mindfulness, some of his concepts might seem a little abstract.

A quick summary

Wattles says in his book that “Thought Stuff” is in everything we can see and everything we can’t see — it’s what other authors refer to as Source Energy or that which is formless.

Through that Thought-Stuff, we can create whatever we can envision — but only if we absolutely believe we are creating it. We have to believe whatever we envision is on its way.

The key to getting rich is to utilize that Thought-Stuff to create wealth — not to compete for it, but to create it out of thin air.

Once we envision the wealth we desire, we must take inspired action to move in the direction of our dreams. At first, we may not know how, and simply double down our effort at the job we currently hold — even if that is not our desired career path. Doing your best at what you’re doing now raises your vibration. It tells the universe your goal is to increase your wealth. Opportunity simply won’t pass by the person with an increasing mindset — not forever. It contradicts universal law for that to happen.

Raising our vibration also draws the right people and situations to us, people who can put opportunity in our path. Intuition will tell us when such an occurrence arises. When we get that intuitional hint, we must meet that opportunity head-on. Quit that job. Move to that new city. Do whatever it takes, in total faith you’ve taken a step closer to the things you desire.

This process is what Wattles calls doing things in the Certain Way. The universe recognizes when people do things in this way, and it will not allow them to fail.

Why I am wealthy, and why you are too

Thinking of wealth only as your current net worth or your current cash flow is a ridiculously narrow definition. Let’s examine ways we are without a doubt already wealthy, or can be with a little effort.

We’re wealthy in ideas. Wattles lays out the exact set of steps to become rich. The universe wants you to become rich, he says. God wants to experience (him/her/it)self through you, and becoming rich allows you to have grander experiences.

Wattles is hardly the only game in town. Just look on this platform, where there is an abundance of fantastic writers who will tell you how to acquire wealth. For only a few dollars a month, you can read a nearly unlimited supply of these writers’ output.

During feudal times, those who controlled land — kings, dukes, barons — were the center of wealth. During and after the Industrial Revolution, those who controlled money and the resources money could buy were the center of wealth.

In the 21st century, information is wealth.

You have hundreds of times more information at your fingertips than the president of the United States had 100 years ago.

We’re wealthy in habits. We can condition ourselves to believe anything that serves us. So, if we choose to do so, we can build habits around beliefs that attract wealth.

If we have trouble conditioning good habits in ourselves, we can turn to our wealth in ideas for help. Modern classics like James Clear’s Atomic Habits can help with such conditioning. There are plenty of outstanding articles on habits on this platform as well.

As I was working on myself, my ideas, and my habits, I uncovered a long-held limiting belief that people and situations almost always get in the way of the things I want. Yuck! That’s horrible! But I’m wealthy in the sense that I was able to recognize that I had the power to change it.

I took on a new belief that every person, every situation I encounter is a gift. Every person and situation is presented to me because he, she, or it is there to help me in some way. It could be they’re there for no other reason than to remind me of the belief. It could be, in fact, that I have a gift to offer them (because what you give to others, you give also to yourself). I made it a habit to see that belief everywhere.

This belief, like a magnet, attracted some interesting opportunities my way, as well as my biggest spike to date in my writing income. However, I noticed a fascinating side effect.

Magnets not only attract; they also repel. That’s what my newfound belief did. A group of people who had been a constant source of drama in my life for years went out of town. Another group of people, who previously had been a massive reminder of how irritated I get when they get in the way, vanished due to a fortuitous event that happened at just the right time. Nothing is a coincidence.

You can adopt any belief that gets you closer to your goal. So why would you hold on to any belief that does the opposite? Choose your new belief, hold it tight, and sit back and watch as the universe delivers unexpected good fortune your way.

We’re wealthy in resources. A thousand years ago, you might have run into only a handful of people who lived in your village a day. That was your potential sphere of influence.

Nowadays, we have the potential for hundreds or thousands of encounters a day. Transportation lets us cover a much larger area. We have a multitude of meeting spots (some of which we can’t use right now due to COVID).

When I was broke as a joke and had no idea how I was going to pay rent, my intuition said to write about it on my personal blog. I’ve never liked talking about my financial situation, good or bad, but this felt like action inspired by a part of me larger than my physical presence on this planet. I did it, and it led to my current job and the beginning of my dig out of my financial hole.

You may not have a personal blog, but you have Twitter, Instagram, TikTok, Facebook, and the like. They give you the ability to get your message in front of more people than Louis XIV of France could in the 17th century. Knowing that, how could you not consider yourself wealthy?

We’re wealthy in the present moment. If you constantly adopt the right ideas, form the right habits, and access the right resources in every available Now moment, don’t you believe monetary wealth would eventually find its way to you?

Obviously, no one is perfect — no one takes the exact right action in every possible Now moment. I’ll let you in on a little secret, though. If you take the best action in one-half of one percent of those Now moments, you will do so much fabulously better than most of the people on this planet!

Wait… I retract that previous statement. Your goal shouldn’t be to compare yourself to others. Your goal shouldn’t be to do better than they are doing. Your goal only needs to be to do one-half of one percent better than the You who existed a moment ago.

What if you don't know the “exact right” action or the “best” action to take? Simply get present. Follow your breathing and feel the stillness inside. If inspiration comes to you, take it. If not, simply be grateful that you are breathing, and for the fact that you know inspiration will come to you when the time is right. That’s really all you have to do to make the one-half of one percent.


Even if you don’t physically have financial wealth yet, is there any doubt you’re wealthy in ideas and resources right now? Is there any doubt that if you put in the mental work, you will be wealthy in habits?

If you get those three things working for you, is there any doubt you will become wealthy financially? In fact, it’s so ensured that you might as well go ahead and be grateful for that financial wealth right now, too. Doing so takes advantage of your wealth of presence.

I would love to hear if any of this resonates with you. Please feel free to leave a comment, and I will read and respond.


Because it was published in 1910, Wallace Wattles’ The Science of Getting Rich is now in the public domain, available for free. You can download it: The Science of Getting Rich

Let’s keep in touch! Feel free to sign up for my newsletter. Here’s another article of mine on moving closer to the things you want:

I write about writing, ideas, creativity, intuition, spirituality, life lessons. Ex-college teacher https://www.buymeacoffee.com/paulryburn Twitter: @paulryburn

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