Secrets Of Self Made African Millionaires

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We hope you enjoy the stories of these hardworking men and women in Africa who have made millions of dollars.

Let their stories inspire you!

Secrets of Self Made African Millionaires

21 Success Secrets of Self-Made Millionaires – by Brian Tracy

 What you are about to learn can change your life. These ideas, insights and strategies have been the springboards to financial success for millions of men and women, from every walk of life. These principles are simple, effective and fairly easy to apply. Each of them is based on exhaustive research and interviews with thousands of self-made millionaires. They have been tested and proven over and over again, and they will work for you if you will take them and apply them in your own life.

We are living at the greatest time in all of human history. More
people are becoming wealthy today, starting from nothing than has ever been imagined. There are more than five million millionaires in America, most of them self-made, and the number is growing by 15% to 20% each year. We even have self-made ten millionaires, hundred millionaires and more than two hundred billionaires. We have never seen this type of rapid wealth creation in all of human history.

Here’s the good news. Virtually everyone starts with nothing.
Probably 99% of all financially successful people today started off broke or nearly broke. The average self-made millionaire has been bankrupt or close to bankrupt 3.2 times. Most of them failed over and

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


over again before they finally found the right opportunity that they

were able to leverage into financial success. And what hundreds of

thousands and millions of other people have done, you can do as


The iron law of human destiny is the Law of Cause and Effect. This

law is simple yet very powerful. It says that there is a specific effect

for every cause. For every action, there is a reaction. This law says

that success is not an accident. Financial success is the result of doing

certain, specific things, over and over again, until you get the effect

that you desire.

Nature is neutral. This means that nature, the marketplace, our

society, does not care who you are or what you are. The law simply

says that if you do what other successful people do, you will get the

results that other successful people get. And if you don’t, you won’t.

When you learn and apply the success secrets of self-made

millionaires in your own life, you will experience results and rewards

far beyond anything you have ever accomplished in life up until


Here is an important point. Nobody is better than you and nobody is

smarter than you. Let me repeat that. Nobody is better than you and

nobody is smarter than you. Get those thoughts out of your mind.

One of the primary reasons for selling yourself short, for

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


underachievement and lack of financial success is the conviction that

people who are doing better than you are better than you. This is

simply not the case.

The fact is that most self-made millionaires are average people with

average educations working at average jobs and living in average

neighborhoods in average houses driving average cars. But they have

found out what other financially successful people do and they have

done the same thing over and over again until they got the same

results. It is no miracle and it is no accident. And when you think the

thoughts and do the things that self-made millionaires do, you will

begin to get the same results and benefits they do. It is all up to you.

There are 21 secrets of success of self-made millionaires. Each of these

is indispensable to your becoming financially independent. The

absence of any one of these factors can, by itself, undermine and even

destroy your chances for health, happiness and great prosperity. The

good news is that you can learn every one of these principles by

practice and repetition, over and over again, until they become as

natural to you as breathing in and breathing out. Just as you have

learned to ride a bicycle or drive a car, you can learn the secrets of

success of self-made millionaires and apply them in your life. And

there are no limits except the limits you place on yourself.

Now, let us begin:

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


The first secret of self-made millionaires is simple: Dream Big

Dreams! Allow yourself to dream. Allow yourself to imagine and

fantasize about the kind of life you would like to live and the kind of

money you would like to earn and have in your bank account.

All great men and women begin with a dream of something

wonderful and different from what they have today. You know the

song that says, “You have to have a dream if you want to make a

dream come true.”

Imagine that you have no limitations on what you can be, have or do

in life. Just for the moment, imagine that you have all the time, all the

money, all the education, all the experience, all the friends, all the

contacts, all the resources and everything you need to achieve

anything you want in life. If your potential was completely

unlimited, what kind of a life would you want to create for yourself

and your family?

Practice “back from the future” thinking. This is a powerful technique

practiced by high performing men and women that has an amazing

effect on your mind and on your behavior. Project yourself forward

five years. Imagine that five years have passed and that your life is

now perfect in every respect. What does it look like? What are you

doing? Where are you working? How much money are you earning?

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


How much do you have in the bank? What kind of a lifestyle do you


Create a vision for yourself for the long-term future. The more clear

your vision of health, happiness and prosperity, the faster you move

toward it and the faster it moves toward you. When you create a

clear mental picture of where you are going in life, you become more

positive, more motivated and more determined to make it a reality.

You trigger your natural creativity and come up with idea after idea

to help make your vision come true.

You always tend to move in the direction of your dominant dreams,

images and visions. The very act of allowing yourself to dream big

dreams actually raises your self-esteem and causes you to like and

respect yourself more. It improves your self-concept and increases

your level of self-confidence. It increases your personal level of selfrespect

and personal happiness. There is something about dreams

and visions that is exciting and that stimulates you to do and be

better than you ever have before.

Here is a great question for you to ask and answer, over and over

again: “What one thing would you dare to dream if you knew you

could not fail?” If you were absolutely guaranteed of success in any

one thing in life, large or small, short-term or long-term, what would

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


it be? What one great thing would you dare to dream if you knew

you could not fail?

Whatever it is, write it down and begin imagining that you had

achieved this one great goal already. Then, look back to where you

are today. What would you have done to get to where you want to

go? What steps would you have taken? What would you have

changed in your life? What would you have gotten into or gotten out

of? Who would you be with? Who would you no longer be with? If

your life was perfect in every respect, what would it look like?

Whatever it is that you would do differently, take the first step today.

Dreaming big dreams is the starting point of achieving your goal of

financial independence. The number one reason that people never

succeed financially is because it never occurs to them that they can do

it. As a result, they never try. They never get started. They continue

to go around in financial circles, spending everything they earn and a

little bit more besides. But when you begin to dream big dreams

about financial success, you begin to change the way you see yourself

and your life. You begin to do different things, bit by bit, gradually,

until the whole direction of your life changes for the better. Dreaming

big dreams is the starting point of financial success, and becoming a

self-made millionaire.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Secret number two, develop a clear sense of direction. This is where

you take your dreams out of the air and you crystallize them into

clear, specific written goals. Perhaps the greatest discovery in human

history is that, “You become what you think about most of the time.”

The two factors that determine what happens to you in life, more

than anything else, are what you think about and how you think about


Successful people think about their goals most of the time. As a

result, they are continually moving toward their goals and their goals

are moving toward them. Whatever you think about most of the time

grows and increases in your life. If you are thinking and talking and

visualizing your goals, you tend to accomplish far, far more than the

average person who is usually thinking and talking about their

worries and problems most of the time.

Here is an exercise for you. Take a sheet of paper and write the word

“Goals” at the top with today’s date. Then, make a list of 10 goals that

you would like to achieve over the next 12 months. Write your goals

in the present tense, as though a year has passed and you have

already achieved them. Begin each goal with the word “I” to make it

personal to you. By making out a list of 10 goals for yourself for the

next year, you will have moved yourself into the top 3% of adults in

our society. The sad fact is that 97% of adults have never made a list

of goals in their entire lives.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Once you have your list of 10 goals, go back over the list and ask this

key question: “Which one goal on this list, if I were to achieve it,

would have the greatest positive impact on my life?”

Whatever your answer to that question, circle that goal and make

that your number one, most important goal for the future. Set a

deadline, make a plan, take action on your plan and do something

every day that moves you toward your goal.

From now on, think and talk about that goal all the time. Think and

talk about how you can achieve that goal. Think and talk about all the

different things that you can do to make that goal a reality. This

exercise will stimulate your creativity, increase your energy and

unlock your potential.

Success secret number three, see yourself as self-employed. Accept

complete, 100% responsibility for everything you are and everything

you will ever be. Refuse to make excuses or to blame other people for

your problems or short comings. Stop complaining about things in

your life that you are not happy about. Refuse to criticize other

people for anything. You are responsible. If there is something in

your life that you don’t like, it is up to you to do something about it.

But you are in charge.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


The top 3% of Americans see themselves as self-employed, no matter

who signs their paycheck. The biggest mistake you can ever make is

to ever think that you work for anyone other than yourself. You are

always self-employed. You are always the president of your own

personal services corporation, no matter where you might be

working at the moment. When you see yourself as self-employed,

you develop the entrepreneur mentality, the mentality of the highly

independent, self-responsible, self-starting individual. Instead of

waiting for things to happen, you make things happen. You see

yourself as the boss of your own life. You see yourself as completely

in charge of your physical health, your financial well being, your

career, your relationships, your house, your home, your car and

every element of your existence. This is the mindset of the truly

excellent person.

Self-responsible people are intensely result oriented. They take high

levels of initiative. They volunteer for assignments and they are

always asking for more responsibility. As a result, they become the

most valuable and respected people in their organizations. They

continually prepare themselves for positions of higher authority and

responsibility in the future. You should do the same.

Here’s a question: “If you were president for a day in your company,

or were completely responsible for results where you work, what one

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


change would you enact immediately?” Whatever it is, write it down,

make a plan and begin on it today. This alone could change your life.

Success secret number four, do what you love to do. This is the one of the great secrets of financial success. This is also one of your primary responsibilities in life. It is to find out what you really enjoy doing,what you have a natural talent for, and then to throw your whole heart into doing that, very, very well.

Self-made millionaires are those who have found a field where their natural strengths and abilities are exactly what is required to do the job and achieve the results desired. Most self-made millionaires say

that they “never worked a day in their life.” You must find a field in

which you can be totally absorbed, a job or area of endeavor that

completely fascinates you, that holds your attention, that is a natural

expression of your special talents and abilities.

When you are doing what you love to do, you seem to have a

continuous flow of excitement, energy and ideas to do what you do

even better. Here is a question for you: “If you won a million dollars, tax free, tomorrow, would you continue to do what you are currently doing?”

This is a great question. It simply asks you what you would do if you had all the time and money you needed and you were free to choose your occupation. Self-made millionaires, if they won a million dollars cash, would continue doing what they are doing. They would only do it differently or better or at a higher level. But they love their work

so much that they wouldn’t even think of leaving it or retiring.

Perhaps the greatest responsibility of adult life, when you are

surrounded by so many different choices of occupation and activity,

is for you to find out what it is that you really love doing and then

dedicate yourself to that field. And no one else can do it for you.

Success secret number five, commit to excellence. Resolve today to be

the very best at what you do. Set a goal for yourself to join the top

10% of your field, whatever it is. This decision, to become very, very

good at what you do, is the turning point in your life. There are no

successful people who are not recognized as being extremely

competent in their chosen fields.

Remember, no one is better than you and no one is smarter than

you. And every one who is in the top 10% today started off in the

bottom 10%. Everyone who is doing well was once doing poorly.

Everyone who is at the top of their field was at one time in another

field altogether. And what someone else has done, you can do as


21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Here is a great rule for success: “Your life only gets better when you

get better.” And since there is no limit to how much better you can

become, there is no limit to how much better you can make your life.

Your decision to become excellent at what you do, to join the top 10%

in your field, is the turning point in your life. It is the key to great

success. It is also the foundation of high levels of self-esteem, selfrespect

and personal pride. When you are really good at what you

do, you feel wonderful about yourself. It affects your entire

personality and all your relationships with other people when you

know you are at the top of your field.

Here is one of the most important questions you will ever ask and

answer, for the rest of your career, “What one skill, if you developed

and did it in an excellent fashion, would have the greatest positive

impact on your life?”

You cannot become good at everything over night but you can

identify the one skill that can help you the most and then throw your

whole heart into developing that skill. Set it as a goal. Write it down.

Set a deadline. Make a plan. And work on becoming better in that

area every single day. You will be absolutely amazed at the

difference this commitment to excellence will make in your life. This

alone can make you a self-made millionaire in the course of your


21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Success secret number six, develop a workaholic mentality. All selfmade

millionaires work hard, hard, hard. They start earlier, they

work harder and they stay later. They develop a reputation for being

amongst the hardest working people in their fields. And everybody

knows it.

Practice the “40 Plus” formula. This formula says that you work 40

hours per week for survival. Everything over 40 hours is for success.

If you only work 40 hours, and the average work week today is closer

to 35 hours, all you will ever do is survive. You will never get ahead.

You will never be a big financial success. You will never be highly

respected and esteemed by your colleagues. You will always be

mediocre working the basic 40 hour week.

But every hour over 40 is an investment in your future. You can tell

where you are going to be in five years by looking at how many

hours over 40 you put in every week. The average self-made

millionaire in America works 59 hours per week and some of them

work 70 and 80 hours. The average self-made millionaire in America

works six days per week rather than five, and works longer days as

well. If you want to call a self-made millionaire, phone the office

before normal working hours and after normal working hours. The

self-made millionaire is there when the staff arrives, the nine to

fiver’s, and is still there when they leave.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


And here’s the key: work all the time you work. When you work,

don’t waste time. When you get in early, put your head down and get

started immediately. When people want to talk to you, you excuse

yourself and say, “I have to get back to work!” Do not drop off your

dry cleaning, phone your friends, socialize with your co-workers or

read the newspaper. Work all the time you work. Resolve today to

develop the reputation for being the hardest working person in your

company. This will bring you to the attention of people who can help

you faster than almost anything else you can do.

Success secret number seven, dedicate yourself to lifelong learning.

The fact is that you have more brains, ability and intelligence than

you could ever use if you were to work on developing yourself for

the rest of your life. You are smarter than you can imagine. There is

no obstacle that you cannot overcome, no problem you cannot solve

and no goal you cannot achieve by applying your mind to your


But your mind is like a muscle. It only develops with use. Just as you

have to strain your physical muscles to build them, you have to work

your mental muscles to build your mind as well. The good news is

that, the more you learn, the more you can learn. Just like the more

you play a sport, the better you get at the sport. The more you

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


dedicate yourself to life-long learning, the easier and faster it is for

you to learn even more.

Leaders are learners. Continuous learning is the key to the 21st

century. Lifelong learning is the minimum requirement for success in

your field, or in any field. Make a decision today that you are going

to become a student of your craft and that you are going to continue

learning and becoming better for the rest of your life.

There are several keys to lifelong learning. The first key is that you

get up and read in your field for 30 to 60 minutes each day. Reading

is to the mind as exercise is to the body. When you read for an hour

each day, this will translate into about one book per week. One book

per week will translate into 50 books per year. 50 books per year will

translate into 500 books over the next 10 years. Since the average

adult reads less than one book per year, when you begin reading one

hour per day it will give you an incredible edge in your field. You

will become one of the smartest, most competent and highest paid

people in your profession by simply reading one hour each day.

The second key to lifelong learning is for you to listen to audio

programs, especially in your car as you drive from place to place. The

average person sits in his car 500 to 1000 hours per year. This is the

equivalent of 12 to 24 40 hour weeks or as much as three to six

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


months of working time that you spend in your car. This is the

equivalent of one to two full time semesters at the university.

Turn your car into a learning machine, into a university on wheels.

Never let your car motor be running without an educational audio

program playing. Many people have become millionaires through the

miracle of audio learning. This is why audio learning is often called

the “greatest breakthrough in education since the invention of the

printing press.”

A third key to lifelong learning is for you to take every course and

seminar you can possibly find that can help you to be better in your

field. The combination of books, audio programs and seminars will

enable you to save hundreds of hours and thousands of dollars, and

many years of hard work, in achieving the same level of financial


Make a decision today to become a lifelong learner. You will be

amazed at the affect that it has in your career.

Success secret number eight, pay yourself first. Save and invest 10%

of your income throughout your working life. Take 10% of your

income off the top of your paycheck each time you receive it and put

it away into a special account for financial accumulation. If you just

saved $100 per month throughout your working lifetime and you

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


invested that money in an average mutual fund that grew at 10% per

annum, you would accumulate a fortune of $1,118,000 by the time

you retired. What this means is that anyone, even a minimum wage

person, if they start early enough and save long enough can become a

millionaire in the course of time.

It was once said that, “If you cannot save money, then the seeds of

greatness are not in you.” Developing the lifelong habit of saving and

investing your money is not easy. It requires tremendous

determination and willpower. You have to set it as a goal, write it

down, make a plan and work on it all the time. But once it locks in

and becomes automatic, your financial success is assured.

Practice frugality, frugality, frugality in all things. Be very careful

with every penny. Question every expenditure. Delay or defer every

important buying decision for at least a week, if not a month. The

longer you put off making a buying decision, the better will be your

decision and the better price you will get at that time.

A major reason that people retire poor is because of impulse

purchases. They see something and they buy it, with very little

thought. They become victims of what is called “Parkinson’s Law.”

This law says that “expenses rise to meet income.” No matter how

much you earn, you spend that much and a little bit more besides.

You never get ahead and you never get out of debt.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


But this is not for you. If you cannot save 10% of your income, start

today by saving 1% of your income in a special savings and

investment account. Put it away at the beginning of each month, even

before you begin paying down your debts. Live on the other 99% of

your income. As you become comfortable living on 99%, raise your

savings level to 2% of your income, then 3% and 4% and so on.

Within one year, you will be saving 10% and maybe even 15% or 20%

of your income and living comfortably on the balance. At the same

time, your savings and investment account will start to grow. You

will become more careful about your expenditures and your debts

will begin to be paid off. Within a year or two, your entire financial

life will be under your control and you will be on your way to

becoming a self-made millionaire. This process has worked for

everyone who has ever tried it. See for yourself.

Success secret number nine, learn every detail of your business. The

market only pays excellent rewards for excellent performance. It pays

average rewards for average performance and below average

rewards, failure and frustration for below average performance. Your

job is to become an expert in your chosen field by learning every

single detail about how to do it better and better.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Read all the magazines in your field. Read and study the latest books.

Attend the courses and seminars given by experts in your field. Join

your industry or trade association, attend every meeting and get

involved with the other top people in your field.

The Law of Integrative Complexity says that, the individual who can

integrate and use the greatest amount of information in any field

soon rises to the top of that field. If you are in sales, become an

aggressive, lifelong student of the selling process. The top 20% of

salespeople earn, on average, 16 times the amount of the bottom 80%

of salespeople. The top 10% of salespeople earn even more. If you are

in management, resolve to become an outstanding professional

manager. If you are starting and building your own business, study

entrepreneurial tactics and strategies and apply new ideas every

single day.

Set a goal for yourself to become the very best in your business or

profession. One small detail, insight or idea can be the turning point

in your career. Never stop looking for it.

Success secret number ten, dedicate yourself to serving others. Your

rewards in life will always be in direct proportion to your service to

other people. All self-made millionaires have an obsession with

customer service. They think about their customers all the time. They

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


are continually looking for new and better ways to serve their

customers better than anyone else.

Keep asking yourself these questions, “What do my customers really

want? What do my customers really need? What do my customers

consider value? What is it that I can give my customers better than

anyone else? What is it that my customers are buying from others

today and what would I have to offer them to get them to buy from


Your success in life will be in direct proportion to what you do after

you do what you are expected to do. Always look for opportunities

to do more than you are paid for. Always go the extra mile for your

customers. Remember, there are never any traffic jams on the extra


Here is the question that you need to ask and answer, every single

day: “What can I do to increase the value of my service to my

customers today?” Look for ways to add value to what you do and to

the people who depend on you every single day. One small

improvement in the way you serve your customers can be a major

reason for your financial success. Never stop looking for those little

ways to serve your customers better.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Success secret number eleven, be impeccably honest with yourself

and others. Perhaps the most valued and respected quality you can

develop is a reputation for absolute integrity. Be perfectly honest in

everything you do and in every transaction and activity. Never

compromise your integrity for anything. Remember that your word

is your bond and your honor is everything when it comes to business.

All successful business is based on trust. Your success in becoming a

self-made millionaire will be solely determined by the number of

people who trust you and who are willing to work for you, give you

credit, lend you money, buy your products and services, and help

you out during the difficult times. Your character is the most

important thing that you develop in your entire life and your

character is based on the quality of integrity that you practice.

The first part of integrity is to be true to yourself, in all things. Be true

to the very best that is in you. Being true to yourself means doing

what you do in an excellent fashion. Integrity is demonstrated

internally by personal honesty and externally by quality work.

Then, be true to the other people in your life. Live in truth with

everyone. Never do or say anything that you do not believe to be

right and good and honest. Refuse to compromise your integrity for

anything. Always live up to the very best that you know.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Here is a question for you to ask and answer on a regular basis:

“What kind of a world would my world be, if everyone in it was just

like me?”

This question forces you to set high standards for yourself and keep

raising the bar. Act as though your every word and action were to

become a universal law. Carry yourself as though everyone were

watching you and patterning their behavior after yours. And when in

doubt, always do the right thing, whatever it is and whatever it costs.

Success secret number twelve, set priorities on your activities and

concentrate single mindedly on one thing at a time. This is the key

formula for high levels of productivity and performance and for

becoming a self-made millionaire. With this formula, setting

priorities and concentrating, you can accomplish virtually anything

you want in life. This simple strategy has been the primary reason for

high income, wealth creation and financial independence for

thousands and even millions of people.

Your ability to determine your highest priority and then to work on

that high priority until it is completed is the primary test and

measure of willpower, self-discipline and personal character. It is the

hardest thing to do but also the most important if you want to be a

big success.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Here is the formula. Make a list of everything you have to do before

you begin. Set priorities on that list by asking yourself four questions,

over and over. Question number one is: “What are my highest value

activities?” What is it that you do that is more valuable than anything

else to your work and your business?

Question number two is: “Why am I on the payroll?” What exactly

have you been hired to accomplish? Focus on results, not activities.

Question number three is: “What can I and only I do that, if done

well, will make a real difference?” This is something that only you

can do. If you don’t do it, it won’t get done. But if you do do it, and

you do it well, it can make a significant difference in your business or

your personal life. What is it?

Question number four is this: “What is the most valuable use of my

time right now?” There is only one answer to this question at any

time. Your ability to determine the single most valuable use of your

time and then to start in on that task is the key to high productivity

and financial success.

Finally, commit yourself to work single mindedly on one task, the

most important task, and stay with it until it is 100% complete.

Persevere without diversion or distraction. Push yourself to stay at

the job until it is done.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


The good news is that by continually setting priorities and

concentrating on your highest value tasks, you soon develop the

habit of high performance. This habit will then become automatic

and will virtually guarantee you great success in life. This one habit

alone can make you a millionaire.

Success secret number thirteen, develop a reputation for speed and

dependability. Time is the currency of the 21st century. Everyone

today is in a tremendous hurry. Customers who did not even know

that they wanted a product or service now want it yesterday. People

are less and less patient for anything. Loyal customers will change

suppliers overnight if someone else can serve them faster than the

people they are already dealing with. Instant gratification is no

longer fast enough.

Your job is to develop a reputation for speed. Develop a sense of

urgency. Develop a bias for action. Move fast on opportunities. Move

fast when people want or need something. Move quickly when you

see something that needs to be done.

When your customer or your boss asks you to do something, drop

everything else and do it so fast that they are amazed. You have

heard it said that, “Whenever you want to get something done, give

it to a busy man, or woman.” People who have a reputation for

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


moving quickly attract more and more opportunities and possibilities

to them. They get more and more chances to do more and more

things faster than other people who just do the job when they get

around to it.

When you can combine your ability to determine your highest

priority task with the commitment to getting it done quickly and

well, you will find yourself moving to the front. More doors and

opportunities will open for you than you can even imagine today.

Success secret number fourteen, be prepared to climb from peak to

peak in your life and in your career. Just as a mountain climber who

has reached one peak must go down into the valley to climb to

another peak, your life will be the same. Your life and career will be a

series of ups and downs. As they say, “life is two steps forward and

one step back.”

All of business life is cycles and trends. There are up cycles and down

cycles. There are trends in business that can often lead to a complete

change in the industry. We see this today with the Internet and the

expansion of technology in all directions, changing many of our fixed

ideas and beliefs about the way business is done.

Develop long-time perspective. Take the long view in everything you

do. Plan two, three, four and five years into the future and don’t

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


allow yourself to get onto an emotional roller coaster with the shortterm

ups and downs of daily life.

Keep reminding yourself that everything in your life goes in cycles

and trends. Be calm, confident and relaxed with short term

fluctuations in your fortune. When you have clear goals and plans

that you are working on every day, the general trend line of your life

will tend to be onward and upward over the years.

Success secret number fifteen, practice self-discipline in all things.

This is the most important single quality for success in life and in

becoming a self-made millionaire. If you can discipline yourself to do

what you should do, when you should do it, whether you feel like it

or not, your success is virtually guaranteed.

The key to becoming a self-made millionaire is long-time perspective

combined with an ability to delay gratification in the short term. It is

your ability to set a long-term financial goal of becoming wealthy and

then to discipline yourself, every single day, and with every single

expenditure, to do only those things that will guarantee that you

ultimately achieve your long-term goal.

Self-discipline means self-mastery, self-control, self-responsibility

and self-direction. The difference between successful people and

failures is that successful people make a habit of doing the things that

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


failures do not like to do. And what are those things? The things that

failures don’t like to do are the same things that successful people

don’t like to do. But successful people do them anyway because they

realize that these are the prices that they must pay for the success

they desire.

Successful people are more concerned with pleasing results. Failures

are more concerned with pleasing methods. Successful people do

things that are goal achieving. Unsuccessful people do things that are

tension relieving. Successful people do the things that are hard and

necessary and important. Unsuccessful people, on the other hand,

prefer to do the things that are fun and easy and which give

immediate enjoyment.

The good news is that every act of self-discipline strengthens your

other disciplines as well. Every time you practice self-discipline, your

self-esteem goes up. You like and respect yourself even more. And

the more you practice discipline in small things, the more capable

you become of the great disciplines in the great opportunities and

experiences and challenges of life.

Remember, everything in life is a test. Every day, every hour and

sometimes every minute, you are taking a test of self-mastery, selfcontrol

and self-discipline. The test is to see whether you can make

yourself do the things that are most important and stay with them

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


until they are complete. The test is whether or not you can keep your

mind on what you want and where you are going rather than

thinking about things you don’t want or problems you have had in

the past. When you pass the test, you move on to the next grade. And

as long as you keep passing the test, you keep moving onward and

upward in your life.

Success secret number sixteen, unlock your inborn creativity. Here is

some more good news. You are a potential genius. You are smarter

than you have ever imagined. You have more raw brain power and

creative ability than you have ever used.

Your brain has 100 billion cells, each of which is connected to as

many as 20,000 other cells by a complex network of neurons and

dendrites. This means that the possible combinations and

permutations of cells in your brain is greater than the number of

molecules in the known universe. Your ability to develop ideas to

help you succeed is infinite and unlimited. This means that your

ability to succeed is unlimited as well.

Your creativity is stimulated by three things: intensely desired goals,

pressing problems and focused questions. The more you focus your

mind on achieving your goals, solving your problems or answering

the questions of your business and personal life, the smarter you

become and the faster your mind works for you in the future.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Your brain, your creativity, is like a muscle. The more you use it, the

stronger and more resilient it becomes. You can actually increase

your intelligence and your IQ by disciplining yourself to think

creatively all day long. And remember, creativity is just another word

for “improvement.” Every time you come up with an idea to improve

some part of your work, to find newer, better, faster, cheaper or

easier ways to accomplish a result, you are functioning at the highest

level of creativity.

Success secret number seventeen, get around the right people. 85% of

your success in life is going to be determined by the quality of the

relationships that you have in your personal and your business

activities. The more people you know, and who know you in a

positive way, the more successful you will be and the faster you will

move ahead. At virtually every turning point in your life, someone is

standing there to either help you or hinder you. Successful people

make a habit of building and maintaining a network of high quality

relationships throughout their lives, and as a result, they accomplish

vastly more than the average person who goes home and watches

television each night.

Everything is relationships. Virtually all of your problems in life will

come as the result of your entering into wrong relationships with the

wrong people. Virtually all of your great successes in life will be

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


accompanied by great relationships with good people who help you

and who you help in return.

More than 90% of your success will be determined by your “reference

group.” Your reference group is defined as the people with whom

you habitually identify and associate, most of the time. You are like a

chameleon in that you take on the attitudes, behaviors, values, and

beliefs of the people with whom you associate most of the time. If

you want to be a successful person, associate with positive people.

Associate with people who are optimistic and happy and who have

goals and who are moving forward in their lives. At the same time,

get away from negative, critical, complaining people. If you want to

fly with the eagles, you cannot scratch with the turkeys.

Self-made millionaires network continually. They join their industry

and trade associations, attend every meeting and get involved with

activities. They introduce themselves to people in business and social

settings, hand out their business cards and tell people what they do.

And here is one of the best strategies of all. Whenever you meet a

new person, ask them to tell you about their business and especially,

to tell you what you would need to know to send a client or a

customer to them.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Then, as soon as possible, see if you cannot send some business their

way. Be a go-giver rather than a go-getter. Always look for ways to

put in before you start thinking of ways to take out. The very best

way to network and build your relationships is to constantly look for

ways to help other people to achieve their own goals. The more you

give of yourself without expectation of return, the more rewards that

will come back to you from the most unexpected sources.

Success secret number eighteen, take excellent care of your physical

health. We are living at the most wonderful time in human history in

terms of longevity and physical fitness. You can live longer and

better today than has ever before been possible. Your goal must be to

live to be 80 or 90 or 100 years old, in excellent health, and you can do

it if you decide to.

Set a goal to live to be at least 80 years old. Then, look at your current

health habits and ask yourself whether or not the way you are living

today is going to get you to the age of 80 in great shape?

There are three keys to living a long, happy, healthy life. The first is

proper weight. Set it as a goal to get your weight under control and

then remain lean and fit for the rest of your life. There is a five word

formula for weight loss and physical fitness. It is simply this, “Eat less

and exercise more.”

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Second, proper diet. The key to a proper diet is for you to eat better

foods and fewer of them. Eat more lean source proteins, fruits and

vegetables. Eliminate deserts, soft drinks, candy and anything else

containing sugar from your life. Stop consuming extra salt and stop

eating white flour products. Eat smaller portions and eat four or five

times a day rather than three large meals. When you can take

complete control of your eating habits, you will find it easier to take

control of your habits in other parts of your life as well.

The third key to long life is proper exercise. This requires that you

exercise approximately 200 minutes per week or an average of 30

minutes per day. You can get all the exercise you need by going for a

vigorous 30 to 60 minute walk three to five days per week. If you are

really serious, you should join a health club or get some fitness

equipment for your house and work out even more vigorously.

The key to excellent physical health and long life is for you to set

clear, specific goals for your levels of health and fitness. It is for you

to make a plan and then for you to work your plan every day. This

requires tremendous self-mastery, self control and self discipline, but

the pay off can be extraordinary.

If your financial goal is to achieve a net worth in excess of one million

dollars, your health goal should be to live as long as possible so that

you can enjoy a wonderful lifestyle with your money.

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Success secret number nineteen, be decisive and action oriented. One

of the marks of self-made millionaires is that they think carefully and

then they make decisions quickly. They discipline themselves to take

action and to carry out the decisions they have made. They move fast

and they get quick feedback from their actions. If they find they have

made a mistake, they quickly self-correct and try something else.

The key to triumph is for you to try. Successful people are decisive

and they try far more things than the average person. By the Law of

Probabilities, if you try far more different ways to be successful, the

odds are that you will find the right way for you at the right time.

Unsuccessful people are indecisive. They know that they should do

or stop doing certain things but they do not have the character or the

willpower to make firm decisions. As a result, they drift through life,

never happy, fulfilled or successful. They never become wealthy or

achieve financial independence. They settle for far less than is

possible for them.

When you become decisive and action oriented, you shift your entire

life into high gear. You get far more done in a day than the average

person. You move ahead far faster than the people around you. You

actually tap into a higher source of energy, enthusiasm and

motivation that fills you full of joy and exhilaration which propels

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


you forward even faster toward your goals. Ask yourself, “What one

action, if I did it immediately, could have the greatest positive impact

on my results?” Whatever your answer to that question, just do it!

Success secret number twenty, never consider the possibility of

failure. The fear of failure is the greatest single obstacle to success in

adult life. Note that it is not failure itself. Failure makes you stronger

and more resilient and more determined. It is the fear of failure or the

anticipation of failure that can paralyze your thoughts and your

activities and hold you back from even trying to do the things that

you need to do to be a big success.

A young journalist once asked Thomas J. Watson Sr., the founder of

IBM, how he could be more successful faster. Watson replied with

these wonderful words, “If you want to be successful faster, you must

double your rate of failure. Success lies on the far side of failure.”

Dare to go forward. Self-made millionaires are not gamblers but they

are always willing to take calculated risks in the direction of their

goals to achieve greater rewards. In fact, your attitude toward risk

taking is probably the most important indicator of your readiness to

become wealthy.

Whenever you are faced with a risky situation, ask yourself this

question, “What is the worst possible thing that could happen if I go

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


ahead?” Then you should do as J. Paul Getty, the self-made oil

billionaire suggested and make sure that whatever it is, it doesn’t


The fact is that everyone is afraid of failure. Everyone is afraid of loss

and poverty. Everyone is afraid of making a mistake and being set

back. But self-made millionaires are those who consciously and

deliberately face this fear and take action anyway. Ralph Waldo

Emerson wrote, “Make a habit throughout your life of doing the

things you fear. If you do the thing you fear, the death of fear is


When you act boldly, unseen forces will come to your aid. And every

act of courage increases your courage and capacity for the future.

Whenever you take action in a forward direction, with no guarantees

of success, your fears diminish and your courage and self confidence

increases. You eventually reach the point where you are not afraid of


Perhaps the best line from the movie, Apollo 13, came from Eugene

Krantz, head of space control at NASA. When everyone was starting

to think about losing the space craft and the astronauts, he pulled

them all together by announcing in a loud voice that, “Failure is not

an option!”

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


Your job is to commit yourself to becoming a self-made millionaire.

Your job is to set specific goals for yourself, write them down and

work on them every day. And especially, you must continue to

remind yourself, in the face of all the problems and difficulties that

you will experience, that “Failure is not an option!” This is the

attitude, that more than anything else, will guarantee your long-term


And finally, the twenty first secret of success of self-made

millionaires is for you to back everything you do with the twin

qualities of persistence and determination. Persistence is the iron

quality of character. Persistence is to the character of man as carbon is

to steel. The quality of persistence is the absolutely indispensable

quality that goes hand in hand with all great success in life.

And here is one of the great secrets of persistence and success. It is to

program your subconscious mind for persistence well in advance of

the setbacks and disappointments that you are going to have on your

upward quest toward success. Resolve in advance that you will never

give up, no matter what happens.

When you are overwhelmed with a problem or difficulty, you do not

have enough time to develop the necessary persistence and

determination. But if you plan in advance for the inevitable ups and

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


downs of life, when they come, you will be psychologically ready.

You will be prepared.

The courage to persist in the face of adversity and disappointment is

the one quality that more than anything, will guarantee your success.

Your greatest personal asset can be your willingness to stay at it

longer than anyone else. In fact, your persistence is your true

measure of your belief in yourself and your ability to succeed.

Remember, all of life is a test. For you to succeed greatly, you must

pass the “persistence test.” This test is a snap quiz. It can come at you

at any time, usually totally unexpectedly and out of left field. You

take the persistence test whenever you are confronted with an

unexpected difficulty, disappointment, setback, failure or crisis in

life. This is where you show yourself, and everyone around you,

what you are truly made of.

Epictetus, the Roman philosopher once wrote, “Circumstances do not

make the man. They merely reveal him to himself.”

The one thing that is inevitable in your life is the recurring crisis. If

you are living a busy life, you will have a crisis every two or three

months. In between these unavoidable crises will be a continuous

succession of problems and difficulties. And the more things that you

attempt, the bigger your goals, the more determined you are to

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


become a self-made millionaire, the more problems and crises you

will experience.

The only thing you can control is how you respond to difficulties and

setbacks. And the good news is that, every time you respond in a

positive and constructive manner, you become stronger and better

and even more capable of dealing with the next problem or crisis that

comes along. Eventually, you reach a point in life where you become

absolutely unstoppable.

You will become like a force of nature. You will be irresistible. You

will become the kind of person that never quits, no matter what the

difficulty. No matter what obstacle is put in your path, you will find

a way to go over it, under it, around it or through it. You will be like

the energizer bunny in the television commercials. You will keep

going and going and going.

Let me repeat the most important message of this entire program. It

is this: “Success is predictable.”

Success is not a matter of luck or accident or being in the right place

at the right time. Success is as predictable as the sun rising in the east

and setting in the west. By practicing the principles that you have just

learned, you will move to the front of the line in life. You will have an

incredible advantage over people who do not know or who do not

21 Success Secrets of Self-Made Millionaires – by Brian Tracy


practice these techniques and strategies. You will have an advantage

that will give you the winning edge for the rest of your life and


If you consistently and persistently do the things that other successful

people do, there is nothing in the world that can stop you from

becoming a big success yourself. You are the architect of your own

destiny. You are the master of your own fate. You are behind the

steering wheel of your own life. There are no limitations to what you

can do, have or be except for the limitations you place on yourself by

your own thinking.

Remember, you are as good or better than anyone you will ever meet.

You are an outstanding human being. You have talents and abilities

far greater than anything that you have ever realized or used up to

now. You have within you the potential to accomplish wonderful

things with your life. Your great responsibility is to dream big

dreams, decide exactly what you want, make a plan to achieve it,

practice the strategies taught in this program, take action every single

day in the direction of your dreams and goals and resolve to never,

never, never give up. When you do these things, you put yourself on

the side of the angels. You become unstoppable and your success

becomes inevitable.

Remember, if they did it, you too can make it!

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