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Teaching, foi lhe Iiisl Tine in lhe
Hisloiy of lhe WoiId, lhe Tiue IhiIos-
ophy upon vhich aII IeisonaI Success
is ßuiIl.



ßY
NAIOLLON HILL



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Hi, I hope that you are as excited as I am about this brand new ebook release
oI the amazing 'The Law oI Success in Sixteen Lessons¨, written by
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did!

II you have never read 'Think & Grow Rich¨.then you will be amazed at
how Napoleon Hill manages to write so clearly, and with such obvious
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CAN make more oI your liIe.

II you have already read 'Think & Grow Rich¨.then you will understand
what makes Napoleon Hill`s writing so special. 'The Law oI Success¨ has
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Because I had to go through the entire 1,170 page book at least ten times.I
can honestly say that 'The Law oI Success¨ is THE most important book
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This ebook is a sample oI excerpts Irom the Iirst Iour Lessons Irom the main
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is contained inside.

All sixteen Lessons are available Irom http://www.law-oI-success.com Ior
an investment oI only $97.which also includes over 20 amazing additional
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Enjoy this sample.and remember.you can only achieve success by
putting into action what you have learned.and 'The Law oI Success¨
course will certainly help you do just that.

To Our Success!

Gary Vurnum, gary¸law-oI-success.com
- 2 -











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- 3 -
A PERSONAL STATEMENT BY THE
AUTHOR

Some thirty years ago a young clergyman by the
name oI Gunsaulus announced in the newspapers oI
Chicago that he would preach a sermon the
Iollowing Sunday morning entitled:

"WHAT I WOULD DO IF I HAD A MILLION
DOLLARS!"

The announcement caught the eye oI Philip D.
Armour, the wealthy packing-house king, who
decided to hear the sermon.
In his sermon Dr. Gunsaulus pictured a great
school oI technology where young men and young
women could be taught how to succeed in liIe by
developing the ability to THINK in practical rather
than in theoretical terms; where they would be
taught to "learn by doing." "II I had a million
dollars," said the young preacher, "I would start
such a school."
AIter the sermon was over Mr. Armour walked
down the aisle to the pulpit, introduced himselI, and
said, "Young man, I believe you could do all you
said you could, and iI you will come down to my
oIIice tomorrow morning I will give you the million
dollars you need."
There is always plenty oI capital Ior those who
can create practical plans Ior using it.
That was the beginning oI the Armour Institute oI
Technology, one oI the very practical schools oI the
country. The school was born in the "imagination"
oI a young man who never would have been heard oI
outside oI the community in which he preached had
it not been Ior the "imagination," plus the capital, oI
Philip D. Armour.
Every great railroad, and every outstanding
Iinancial institution and every mammoth business
- 4 -
enterprise, and every great invention, began in the
imagination oI some one person.
F. W. Woolworth created the Five and Ten Cent
Store Plan in his "imagination" beIore it became a
reality and made him a multimillionaire.
Thomas A. Edison created the talking machine
and the moving picture machine and the
incandescent electric light bulb and scores oI other
useIul inventions, in his own "imagination," beIore
they became a reality.
During the Chicago Iire scores oI merchants
whose stores went up in smoke stood near the
smoldering embers oI their Iormer places oI
business, grieving over their loss. Many oI them
decided to go away into other cities and start over
again. In the group was Marshall Field, who saw, in
his own "imagination," the world' s greatest retail
store, standing on the selIsame spot where his
Iormer store had stood, which was then but a ruined
mass oI smoking timbers. That store became a
reality.
Fortunate is the young man or young woman who
learns, early in liIe, to use imagination, and doubly
so in this age oI greater opportunity.
Imagination is a Iaculty oI the mind which can be
cultivated, developed, extended and broadened by
use. II this were not true, this course on the FiIteen
Laws oI Success never would have been created,
because it was Iirst conceived in the author' s
"imagination," Irom the mere seed oI an idea which
was sown by a chance remark oI the late Andrew
Carnegie.
Wherever you are, whoever you are, whatever you
may be Iollowing as an occupation, there is room
Ior you to make yourselI more useIul, and in that
manner more productive, by developing and using
your "imagination."
Success in this world is always a matter oI
individual eIIort, yet you will only be deceiving
yourselI iI you believe that you can succeed without
- 5 -
the co-operation oI other people. Success is a matter
oI individual eIIort only to the extent that each
person must decide, in his or her own mind, what is
wanted. This involves the use oI "imagination."
From this point on, achieving success is a matter oI
skillIully and tactIully inducing others to co-
operate.
BeIore you can secure co-operation Irom others;
nay, beIore you have the right to ask Ior or expect
co-operation Irom other people, you must Iirst show
a willingness to co-operate with them. For this
reason the eighth lesson oI this course, THE HABIT
OF DOING MORE THAN PAID FOR, is one which
should have your serious and thoughtIul attention.
The law upon which this lesson is based, would,
oI itselI, practically insure success to all who
practice it in all they do.
In the back pages oI this Introduction you will
observe a Personal Analysis Chart in which ten well
known men have been analyzed Ior your study and
comparison. Observe this chart careIully and note
the "danger points" which mean Iailure to those who
do not observe these signals. OI the ten men
analyzed eight are known to be successIul, while
two may be considered Iailures. Study, careIully,
the reason why these two men Iailed.
Then, study yourselI. In the two columns which
have been leIt blank Ior that purpose, give yourselI
a rating on each oI the FiIteen Laws oI Success at
the beginning oI this course; at the end oI the course
rate yourselI again and observe the improvements
you have made.
The purpose oI the Law oI Success course is to
enable you to Iind out how you may become more
capable in your chosen Iield oI work. To this end
you will be analyzed and all oI your qualities
classiIied so you may organize them and make the
best possible use oI them.
You may not like the work in which you are now
engaged.
- 6 -
There are two ways oI getting out oI that work.
One way is to take but little interest in what you are
doing, aiming merely to do enough with which to
"get by." Very soon you will Iind a way out,
because the demand Ior your services will cease.
The other and better way is by making yourselI so
useIul and eIIicient in what you are now doing that
you will attract the Iavorable attention oI those who
have the power to promote you into more
responsible work that is more to your liking.
It is your privilege to take your choice as to
which way you will proceed.
Again you are reminded oI the importance oI
Lesson Nine oI this course, through the aid oI which
you may avail yourselI oI this "better way" oI
promoting yourselI.
Thousands oI people walked over the great
Calumet Copper Mine without discovering it. Just
one lone man used his "imagination," dug down into
the earth a Iew Ieet, investigated, and discovered
the richest copper deposit on earth.
You and every other person walk, at one time or
another, over your "Calumet Mine." Discovery is a
matter oI investigation and use oI "imagination."
This course on the FiIteen Laws oI Success may
lead the way to your "Calumet," and you may be
surprised when you discover that you were standing
right over this rich mine, in the work in which you
are now engaged. In his lecture on "Acres oI
Diamonds," Russell Conwell tells us that we need
not seek opportunity in the distance; that we may
Iind it right where we stand! THIS IS A TRUTH
WELL WORTH REMEMBERING!

NAPOLEON HILL,
Author oI the Law oI Success.

- 7 -


THE LAW OF SUCCESS
!"#$%&' )%*+ ,$--*. /.$
THE MASTER MIND



01*2 34. 5* 6' 7 ) 1*2 8$9 7 $:$ 1*2 34.;0

THIS i s a course on t he Iundament al s oI Success.
Success i s very l argel y a mat t er oI adj ust i ng one' s
sel I t o t he ever-varyi ng and changi ng envi ronment s oI
l i Ie, i n a spi ri t oI harmony and poi se. Harmony i s
based upon underst andi ng oI t he Iorces const i t ut i ng
one' s envi ronment ; t hereIore, t hi s course i s i n real i t y
a bl uepri nt t hat may be Iol lowed st rai ght t o success,
because i t hel ps t he st udent t o i nt erpret , underst and
and make t he most oI t hese envi ronment al Iorces oI
l i Ie.
BeIore you begi n readi ng t he Law oI Success
l essons you shoul d know somet hi ng oI t he hi st ory oI
t he course. You shoul d know exact l y what t he course
promi ses t o t hose who Iol l ow i t unt i l t hey have
assi mi l at ed t he l aws and pri nci pl es upon whi ch i t i s
based. You shoul d know i t s l i mi t at i ons as wel l as i t s
possi bi l i t i es as an ai d i n your Ii ght Ior a pl ace i n t he
worl d.
From t he vi ewpoi nt oI ent ert ai nment t he Law oI
Success course woul d be a poor second Ior most any
- 8 -
oI t he mont hl y peri odi cal s oI t he "Snappy St ory"
vari et y whi ch may be Iound upon t he news st ands oI
t oday.
The course has been creat ed Ior t he seri ous-
mi nded person who devot es at l east a port i on oI hi s or
her t i me t o t he busi ness oI succeedi ng i n l i Ie. The
aut hor oI t he Law oI Success course has not i nt ended
t o compet e wi t h t hose who wri t e purel y Ior t he
purpose oI ent ert ai ni ng.
The aut hor' s ai m, i n prepari ng t hi s course, has
been oI a t wo-Iol d nat ure, namel y, Ii rst -t o hel p t he
earnest st udent Ii nd out what are hi s or her
weaknesses, and, secondl y-t o hel p creat e a DEFINITE
PLAN Ior bri dgi ng t hose weaknesses.
The most successIul men and women on eart h
have had t o correct cert ai n weak spot s i n t hei r
personal i t i es beIore t hey began t o succeed. The most
out st andi ng oI t hese weaknesses whi ch st and bet ween
men and women and success are INTOLERANCE,
CUPIDITY, GREED, JEALOUSY, SUSPICION,
REVENGE, EGOTISM, CONCEIT, THE TENDENCY
TO REAP WHERE THEY HAVE NOT SOWN, and t he
HABIT OF SPENDING MORE THAN THEY EARN.
Al l oI t hese common enemi es oI manki nd, and
many more not here ment i oned, are covered by t he
Law oI Success course i n such a manner t hat any
person oI reasonabl e i nt el l i gence may mast er t hem
wi t h but l i t t l e eIIort or i nconveni ence.
You shoul d know, at t he very out set , t hat t he Law
oI Success course has l ong si nce passed t hrough t he
experi ment al st at e; t hat i t al ready has t o i t s credi t a
record oI achi evement t hat i s wort hy oI seri ous
- 9 -
t hought and anal ysi s. You shoul d know, al so, t hat t he
Law oI Success course has been exami ned and
endorsed by some oI t he most pract i cal mi nds oI t hi s
generat i on.
The Law oI Success course was Ii rst used as a
l ect ure, and was del i vered by i t s aut hor i n pract i cal l y
every ci t y and i n many oI t he smal l er l ocal i t i es,
t hroughout t he Uni t ed St at es, over a peri od oI more
t han seven years. Perhaps you were one oI t he many
hundreds oI t housands oI peopl e who heard t hi s
l ect ure.
Duri ng t hese l ect ures t he aut hor had assi st ant s
l ocat ed i n t he audi ences Ior t he purpose oI
i nt erpret i ng t he react i on oI t hose who heard t he
l ect ure, and i n t hi s manner he l earned exact l y what
eIIect i t had upon peopl e. As a resul t oI t hi s st udy and
anal ysi s many changes were made.
The Ii rst bi g vi ct ory was gai ned Ior t he Law oI
Success phi l osophy when i t was used by t he aut hor as
t he basi s oI a course wi t h whi ch 3, 000 men and
women were t rai ned as a sal es army. The maj ori t y oI
t hese peopl e were wi t hout previ ous experi ence, oI any
sort , i n t he Ii el d oI sel l i ng. Through t hi s t rai ni ng t hey
were enabl ed t o earn more t han One Mi l l i on Dol l ars
($1, 000, 000. 00) Ior t hemsel ves and pai d t he aut hor
$30, 000. 00 Ior hi s servi ces, coveri ng a peri od oI
approxi mat el y si x mont hs.
The i ndi vi dual s and smal l groups oI sal espeopl e
who have Iound success t hrough t he ai d oI t hi s course
are t oo numerous t o be ment i oned i n t hi s Int roduct i on,
but t he number i s l arge and t he beneIi t s t hey deri ved
Irom t he course were deIi ni t e.
The Law oI Success phi l osophy was brought t o
- 1O -
t he at t ent i on oI t he l at e Don R. Mel l et t , Iormer
publ i sher oI t he Cant on (Ohi o) Dai l y News, who
Iormed a part nershi p wi t h t he aut hor oI t he course and
was prepari ng t o resi gn as publ i sher oI t he Cant on
Dai l y News and t ake up t he busi ness management oI
t he aut hor' s aIIai rs when he was assassi nat ed on Jul y
16, 1926.
Pri or t o hi s deat h Mr. Mel l et t had made
arrangement s wi t h j udge El bert H. Gary, who was t hen
Chai rman oI t he Board oI t he Uni t ed St at es St eel
Corporat i on, t o present t he Law oI Success course t o
every empl oyee oI t he St eel Corporat i on, at a t ot al
cost oI somet hi ng l i ke $150, 000. 00. Thi s pl an was
hal t ed because oI j udge Gary' s deat h, but i t proves
t hat t he aut hor oI t he Law oI Success has produced an
educat i onal pl an oI an enduri ng nat ure. Judge Gary
was emi nent l y prepared t o j udge t he val ue oI such a
course, and t he Iact t hat he anal yzed t he Law oI
Success phi l osophy and was prepari ng t o i nvest t he
huge sum oI $150, 000. 00 i n i t i s prooI oI t he
soundness oI al l t hat i s sai d i n behal I oI t he course.
You wi l l observe, i n t hi s General Int roduct i on t o
t he course, a Iew t echni cal t erms whi ch may not be
pl ai n t o you. Do not al l ow t hi s t o bot her you. Make no
at t empt at Ii rst readi ng t o underst and t hese t erms.
They wi l l be pl ai n t o you aIt er you read t he remai nder
oI t he course. Thi s ent i re Int roduct i on i s i nt ended
onl y as a background Ior t he ot her Ii It een l essons oI
t he course, and you shoul d read i t as such. You wi l l
not be exami ned on t hi s Int roduct i on, but you shoul d
read i t many t i mes, as you wi l l get Irom i t at each
readi ng a t hought or an i dea whi ch you di d not get on
previ ous readi ngs.
- 11 -
In t hi s Int roduct i on you wi l l Ii nd a descri pt i on oI
a newl y di scovered l aw oI psychol ogy whi ch i s t he
very Ioundat i on st one oI al l out st andi ng personal
achi evement s. Thi s l aw has been reIerred t o by t he
aut hor as t he "Mast er Mi nd, " meani ng a mi nd t hat i s
devel oped t hrough t he harmoni ous co-operat i on oI t wo
or more peopl e who al l y t hemsel ves Ior t he purpose oI
accompl i shi ng any gi ven t ask.
II you are engaged i n t he busi ness oI sel l i ng you
may proIi t abl y experi ment wi t h t hi s l aw oI t he
"Mast er Mi nd" i n your dai l y work. It has been Iound
t hat a group oI si x or seven sal espeopl e may use t he
l aw so eIIect i vel y t hat t hei r sal es may be i ncreased t o
unbel i evabl e proport i ons.
Li Ie Insurance i s supposed t o be t he hardest t hi ng
on eart h t o sel l . Thi s ought not t o be t rue, wi t h an
est abl i shed necessi t y such as l i Ie i nsurance, but i t i s.
Despi t e t hi s Iact , a smal l group oI men worki ng Ior
t he Prudent i al Li Ie Insurance Company, whose sal es
are most l y smal l pol i ci es, Iormed a l i t t l e Iri endl y
group Ior t he purpose oI experi ment i ng wi t h t he l aw
oI t he "Mast er Mi nd, " wi t h t he resul t t hat every man
i n t he group wrot e more i nsurance duri ng t he Ii rst
t hree mont hs oI t he experi ment t han he had ever
wri t t en i n an ent i re year beIore.
What may be accompl i shed t hrough t he ai d oI t hi s
pri nci pl e, by any smal l group oI i nt el l i gent l i Ie-
i nsurance sal esmen who have l earned how t o appl y t he
l aw oI t he "Mast er Mi nd" wi l l st agger t he i magi nat i on
oI t he most hi ghl y opt i mi st i c and i magi nat i ve person.
The same may be sai d oI ot her groups oI
sal espeopl e who are engaged i n sel l i ng merchandi se
- 12 -




NO MAN HAS A
CHANCE TO ENJOY
PERMANENT SUCCESS
UNTIL HE BEGINS TO
LOOK IN A MIRROR
FOR THE REAL CAUSE
OF ALL HIS
MISTAKES.
- Napoleon Hill.


- 13 -
and ot her more t angi bl e Iorms oI servi ce t han l i Ie
i nsurance. Bear t hi s i n mi nd as you read t hi s
Int roduct i on t o t he Law oI Success course and i t i s not
unreasonabl e t o expect t hat t hi s Int roduct i on, al one,
may gi ve you suIIi ci ent underst andi ng oI t he l aw t o
change t he ent i re course oI your l i Ie.
It i s t he personal i t i es back oI a busi ness whi ch
det ermi ne t he measure oI success t he busi ness wi l l
enj oy. Modi Iy t hose personal i t i es so t hey are more
pl easi ng and more at t ract i ve t o t he pat rons oI t he
busi ness and t he busi ness wi l l t hri ve. In any oI t he
great ci t i es oI t he Uni t ed St at es one may purchase
merchandi se oI si mi l ar nat ure and pri ce i n scores oI
st ores, yet you wi l l Ii nd t here i s al ways one
out st andi ng st ore whi ch does more busi ness t han any
oI t he ot hers, and t he reason Ior t hi s i s t hat back oI
t hat st ore i s a man, or men, who has at t ended t o t he
personal i t i es oI t hose who come i n cont act wi t h t he
publ i c. Peopl e buy personal i t i es as much as
merchandi se, and i t i s a quest i on i I t hey are not
i nIl uenced more by t he personal i t i es wi t h whi ch t hey
come i n cont act t han t hey are by t he merchandi se.
Li Ie i nsurance has been reduced t o such a
sci ent i Ii c basi s t hat t he cost oI i nsurance does not
vary t o any great ext ent , regardl ess oI t he company
Irom whi ch one purchases i t , yet out oI t he hundreds
oI l i Ie i nsurance compani es doi ng busi ness l ess t han a
dozen compani es do t he bul k oI t he busi ness oI t he
Uni t ed St at es.
Why? Personal i t i es! Ni net y-ni ne peopl e out oI
every hundred who purchase l i Ie i nsurance pol i ci es do
not know what i s i n t hei r pol i ci es and, what seems
more st art l i ng, do not seem t o care. What t hey real l y
- 14 -
purchase i s t he pl easi ng personal i t y oI some man or
woman who knows t he val ue oI cul t i vat i ng such a
personal i t y.
Your busi ness i n l i Ie, or at l east t he most
i mport ant part oI i t , i s t o achi eve success. Success,
wi t hi n t he meani ng oI t hat t erm as covered by t hi s
course on t he Fi It een Laws oI Success, i s "t he
at t ai nment oI your DeIi ni t e Chi eI Ai m wi t hout
vi ol at i ng t he ri ght s oI ot her peopl e. " Regardl ess oI
what your maj or ai m i n l i Ie may be, you wi l l at t ai n i t
wi t h much l ess di IIi cul t y aIt er you l earn how t o
cul t i vat e a pl easi ng personal i t y and aIt er you have
l earned t he del i cat e art oI al l yi ng yoursel I wi t h ot hers
i n a gi ven undert aki ng wi t hout Iri ct i on or envy.
One oI t he great est probl ems oI l i Ie, i I not , i n
Iact , t he great est , i s t hat oI l earni ng t he art oI
harmoni ous negot i at i on wi t h ot hers. Thi s course was
creat ed Ior t he purpose oI t eachi ng peopl e how t o
negot i at e t hei r way t hrough l i Ie wi t h harmony and
poi se, Iree Irom t he dest ruct i ve eIIect s oI
di sagreement and Iri ct i on whi ch bri ng mi l l i ons oI
peopl e t o mi sery, want and Iai l ure every year.
Wi t h t hi s st at ement oI t he purpose oI t he course
you shoul d be abl e t o approach t he l essons wi t h t he
Ieel i ng t hat a compl et e t ransIormat i on i s about t o t ake
pl ace i n your personal i t y.
You cannot enj oy out st andi ng success i n l i Ie
wi t hout power, and vou can never enf ov power wi t hout
suf f i ci ent personal i t v t o i nf l uence ot her peopl e t o
cooperat e wi t h vou i n a spi ri t of harmonv. Thi s course
shows you st ep by st ep how t o devel op such a
personal i t y.
- 15 -


THE LAW OF SUCCESS
!"#$%&' )%*+ ,$--*. <=*
A Definite Chief Aim


The key-not e oI t hi s ent i re l esson may be Iound
i n t he word "deIi ni t e. "
It i s most appal l i ng t o know t hat ni net y-Ii ve per
cent oI t he peopl e oI t he worl d are dri It i ng ai ml essl y
t hrough l i Ie, wi t hout t he sl i ght est concept i on oI t he
work Ior whi ch t hey are best Ii t t ed, and wi t h no
concept i on what soever oI even t he need oI such a
t hi ng as a def i ni t e obj ect i ve t oward whi ch t o st ri ve.
There i s a psychol ogi cal as wel l as an economi c
reason Ior t he sel ect i on oI a def i ni t e chi ef ai m i n l i Ie.
Any def i ni t e chi ef ai m t hat i s del i berat el y Ii xed i n
t he mi nd and hel d t here, wi t h t he det ermi nat i on t o
real i ze i t , Ii nal l y sat urat es t he ent i re subconsci ous
mi nd unt i l i t aut omat i cal l y i nIl uences t he physi cal
act i on oI t he body t oward t he at t ai nment oI t hat
purpose.
Your def i ni t e chi ef ai m i n l i Ie shoul d be sel ect ed
wi t h del i berat e care, and aIt er i t has been sel ect ed i t
shoul d be wri t t en out and pl aced where you wi l l see i t
at l east once a day, t he psychol ogi cal eIIect oI whi ch
i s t o i mpress t hi s purpose upon your subconsci ous
mi nd so st rongl y t hat i t accept s t hat purpose as a
pat t ern or bl uepri nt t hat wi l l event ual l y domi nat e your
act i vi t i es i n l i Ie and l ead you, st ep by st ep, t oward t he
at t ai nment oI t he obj ect back oI t hat purpose.
- 16 -
The pri nci pl e oI psychol ogy t hrough whi ch you
can i mpress your def i ni t e chi ef ai m upon your
subconsci ous mi nd i s cal l ed Aut o-suggest i on, or
suggest i on whi ch you repeat edl y make t o yoursel I. It
i s a degree oI sel I-hypnot i sm, but do not be aIrai d oI
i t on t hat account , Ior i t was t hi s same pri nci pl e
t hrough t he ai d oI whi ch Napol eon l i It ed hi msel I Irom
t he l owl y st at i on oI povert y-st ri cken Corsi can t o t he
di ct at orshi p oI France. It was t hrough t he ai d oI t hi s
same pri nci pl e t hat Thomas A. Edi son has ri sen Irom
t he l owl y begi nni ng oI a news but cher t o where he i s
accept ed as t he l eadi ng i nvent or oI t he worl d. It was
t hrough t he ai d oI t hi s same pri nci pl e t hat Li ncol n
bri dged t he mi ght y chasm bet ween hi s l owl y bi rt h, i n
a l og cabi n i n t he mount ai ns oI Kent ucky, and t he
presi dency oI t he great est nat i on on eart h. It was
t hrough t he ai d oI t hi s same pri nci pl e t hat Theodore
Roosevel t became one oI t he most aggressi ve l eaders
t hat ever reached t he presi dency oI t he Uni t ed St at es.
You need have no Iear oI t he pri nci pl e oI
Aut osuggest i on as l ong as you are sure t hat t he
obj ect i ve Ior whi ch you are st ri vi ng i s one t hat wi l l
bri ng you happi ness oI an enduri ng nat ure. Be sure
t hat your def i ni t e purpose i s const ruct i ve; t hat i t s
at t ai nment wi l l bri ng hardshi p and mi sery t o no one;
t hat i t wi l l bri ng you peace and prosperi t y, t hen appl y,
t o t he l i mi t oI your underst andi ng, t he pri nci pl e oI
sel I-suggest i on Ior t he speedy at t ai nment oI t hi s
purpose.
On t he st reet corner, j ust opposi t e t he room i n
whi ch I am wri t i ng, I see a man who st ands t here al l
day l ong and sel l s peanut s. He i s busy every mi nut e.
When not act ual l y engaged i n maki ng a sal e he i s
roast i ng and packi ng t he peanut s i n l i t t l e bags. He i s
- 17 -
one oI t hat great army const i t ut i ng t he ni net y-Ii ve per
cent who have no def i ni t e purpose i n l i Ie. He i s
sel l i ng peanut s, not because he l i kes t hat work bet t er
t han anyt hi ng el se he mi ght do, but because he never
sat down and t hought out a def i ni t e purpose t hat
woul d bri ng hi m great er ret urns Ior hi s l abor. He i s
sel l i ng peanut s because he i s a dri It er on t he sea oI
l i Ie, and one oI t he t ragedi es oI hi s work i s t he Iact
t hat t he same amount oI eIIort t hat he put s i nt o i t , i I
di rect ed al ong ot her l i nes, woul d bri ng hi m much
great er ret urns.
Anot her one oI t he t ragedi es oI t hi s man' s work i s
t he Iact t hat he i s unconsci ousl y maki ng use oI t he
pri nci pl e oI sel I-suggest i on, but he i s doi ng i t t o hi s
own di sadvant age. No doubt , i I a pi ct ure coul d be
made oI hi s t hought s, t here woul d be not hi ng i n t hat
pi ct ure except a peanut roast er, some l i t t l e paper bags
and a crowd oI peopl e buying peanut s. Thi s man coul d
get out oI t he peanut busi ness i I he had t he vi si on and
t he ambi t i on Ii rst t o i magi ne hi msel I i n a more
proIi t abl e cal l i ng, and t he perseverance t o hol d t hat
pi ct ure beIore hi s mi nd unt i l i t i nIl uenced hi m t o t ake
t he necessary st eps t o ent er a more proIi t abl e cal l i ng.
He put s suIIi ci ent l abor i nt o hi s work t o bri ng hi m a
subst ant i al ret urn i I t hat l abor were di rect ed t oward
t he at t ai nment oI a def i ni t e purpose t hat oIIered
bi gger ret urns.
One oI my cl osest personal Iri ends i s one oI t he
best known wri t ers and publ i c speakers oI t hi s
count ry. About t en years ago he caught si ght oI t he
possi bi l i t i es oI t hi s pri nci pl e oI sel I-suggest i on and
began, i mmedi at el y, t o harness i t and put i t t o work.
He worked out a pl an Ior i t s appl i cat i on t hat proved t o
- 18 -
be very eIIect i ve. At t hat t i me he was nei t her a wri t er
nor a speaker.
Each ni ght , j ust beIore goi ng t o sl eep, he woul d
shut hi s eyes and see, i n hi s i magi nat i on, a l ong
counci l t abl e at whi ch he pl aced (i n hi s i magi nat i on)
cert ai n wel l known men whose charact eri st i cs he
wi shed t o absorb i nt o hi s own personal i t y. At t he end
oI t he t abl e he pl aced Li ncol n, and on ei t her si de oI
t he t abl e he pl aced Napol eon, Washi ngt on, Emerson
and El bert Hubbard. He t hen proceeded t o t al k t o
t hese i magi nary Ii gures t hat he had seat ed at hi s
i magi nary counci l t abl e, somet hi ng aIt er t hi s manner:
Mr. Li ncol n: I desi re t o bui l d i n my own
charact er t hose qual i t i es oI pat i ence and Iai rness
t oward al l manki nd and t he keen sense oI humor whi ch
were your out st andi ng charact eri st i cs. I need t hese
qual i t i es and I shal l not be cont ent ed unt i l I have
devel oped t hem.
Mr. Washi ngt on: I desi re t o bui l d i n my own
charact er t hose qual i t i es oI pat ri ot i sm and sel I-
sacri Ii ce and l eadershi p whi ch were your out st andi ng
charact eri st i cs.
Mr. Emerson: I desi re t o bui l d i n my own
charact er t hose qual i t i es oI vi si on and t he abi l i t y t o
i nt erpret t he l aws oI Nat ure as wri t t en i n t he rocks oI
pri son wal l s and growi ng t rees and Il owi ng brooks and
growi ng Il owers and t he Iaces oI l i t t l e chi l dren, whi ch
were your out st andi ng charact eri st i cs.
Napol eon: I desi re t o bui l d i n my own charact er
t hose qual i t i es oI sel I-rel i ance and t he st rat egi c
abi l i t y t o mast er obst acl es and proIi t by mi st akes and
devel op st rengt h out oI deIeat , whi ch were your
out st andi ng charact eri st i cs.
- 19 -
Mr. Hubbard: I desi re t o devel op t he abi l i t y t o
equal and even t o excel t he abi l i t y t hat you possessed
wi t h whi ch t o express yoursel I i n cl ear, conci se and
IorceIul l anguage.
Ni ght aIt er ni ght , Ior many mont hs, t hi s man saw
t hese men seat ed around t hat i magi nary counci l t abl e
unt i l Ii nal l y he had i mpri nt ed t hei r out st andi ng
charact eri st i cs upon hi s own subconsci ous mi nd so
cl earl y t hat he began t o devel op a personal i t y whi ch
was a composi t e oI t hei r personal i t i es.
The subconsci ous mi nd may be l i kened t o a
magnet , and when i t has been vi t al i zed and t horoughl y
sat urat ed wi t h any def i ni t e purpose i t has a deci ded
t endency t o at t ract al l t hat i s necessary Ior t he
Iul Ii l l ment oI t hat purpose. Li ke at t ract s l i ke, and you
may see evi dence oI t hi s l aw i n every bl ade oI grass
and every growi ng t ree. The acorn at t ract s Irom t he
soi l and t he ai r t he necessary mat eri al s out oI whi ch
t o grow an oak t ree. It never grows a t ree t hat i s part
oak and part popl ar. Every grai n oI wheat t hat i s
pl ant ed i n t he soi l at t ract s t he mat eri al s out oI whi ch
t o grow a st al k oI wheat .
It never makes a mi st ake and grows bot h oat s and
wheat on t he same st al k.
And men are subj ect , al so, t o t hi s same Law oI
At t ract i on. Go i nt o any cheap boardi ng house di st ri ct
i n any ci t y and t here you wi l l Ii nd peopl e oI t he same
general t rend oI mi nd associ at ed t oget her. On t he
ot her hand, go i nt o any prosperous communi t y and
t here you wi l l Ii nd peopl e oI t he same general
t endenci es associ at ed t oget her. Men who are
successIul al ways seek t he company oI ot hers who are
successIul , whi l e men who are on t he ragged si de oI
- 2O -



DO NOT ¨TLLL¨
THL WORLD
WHAT YOU CAN
DO -
¨SHOW¨ IT!


- 21 -
l i Ie al ways seek t he company oI t hose who are i n
si mi l ar ci rcumst ances. "Mi sery l oves company. "
Wat er seeks i t s l evel wi t h no Ii ner cert ai nt y t han
man seeks t he company oI t hose who occupy hi s own
general st at us Ii nanci al l y and ment al l y. A proIessor oI
Yal e Uni versi t y and an i l l i t erat e hobo have not hi ng i n
common. They woul d be mi serabl e i I t hrown t oget her
Ior any great l engt h oI t i me. Oi l and wat er wi l l mi x as
readi l y as wi l l men who have not hi ng i n common.
Al l oI whi ch l eads up t o t hi s st at ement :
That you wi l l at t ract t o you peopl e who
harmoni ze wi t h your own phi l osophy oI l i Ie, whet her
you wi sh i t or not . Thi s bei ng t rue, can you not see
t he i mport ance oI vi t al i zi ng your mi nd wi t h a def i ni t e
chi ef ai m t hat wi l l at t ract t o you peopl e who wi l l be oI
hel p t o you and not a hi ndrance? Suppose your
def i ni t e chi ef ai m i s Iar above your present st at i on i n
l i Ie. What oI i t ? It i s your pri vi l ege - nay, your
DUTY, t o ai m hi gh i n l i Ie. You owe i t t o yoursel I and
t o t he communi t y i n whi ch you l i ve t o set a hi gh
st andard Ior yoursel I.
There i s much evi dence t o j ust i Iy t he bel i eI t hat
not hi ng wi t hi n reason i s beyond t he possi bi l i t y oI
at t ai nment by t he man whose def i ni t e chi ef ai m has
been wel l devel oped. Some years ago Loui s Vi ct or
Eyt i nge was gi ven a l i Ie sent ence i n t he Ari zona
peni t ent i ary. At t he t i me oI hi s i mpri sonment he was
an al l -around "bad man, " accordi ng t o hi s own
admi ssi ons. In addi t i on t o t hi s i t was bel i eved t hat he
woul d di e oI t ubercul osi s wi t hi n a year.
Eyt i nge had reason t o Ieel di scouraged, i I anyone
ever had. Publ i c Ieel i ng agai nst hi m was i nt ense and
- 22 -
he di d not have a si ngl e Iri end i n t he worl d who came
Iort h and oIIered hi m encouragement or hel p. Then
somet hi ng happened i n hi s own mi nd t hat gave hi m
back hi s heal t h, put t he dreaded "whi t e pl ague" t o rout
and Ii nal l y unl ocked t he pri son gat es and gave hi m hi s
Ireedom.
What was t hat "somet hi ng"?
Just t hi s: He made up hi s mi nd t o whi p t he whi t e
pl ague and regai n hi s heal t h. That was a very def i ni t e
chi ef ai m. In l ess t han a year Irom t he t i me t he
deci si on was made he had won. Then he ext ended t hat
def i ni t e chi ef ai m by maki ng up hi s mi nd t o gai n hi s
Ireedom. Soon t he pri son wal l s mel t ed Irom around
hi m.
No undesi rabl e envi ronment i s st rong enough t o
hol d t he man or woman who underst ands how t o appl y
t he pri nci pl e oI Aut o-suggest i on i n t he creat i on oI a
def i ni t e chi ef ai m. Such a person can t hrow oII t he
shackl es oI povert y; dest roy t he most deadl y di sease
germs; ri se Irom a l owl y st at i on i n l i Ie t o power and
pl ent y.
Al l great l eaders base t hei r l eadershi p upon a
def i ni t e chi ef ai m. Fol l owers are wi l l i ng Iol l owers
when t hey know t hat t hei r l eader i s a person wi t h a
deIi ni t e chi eI ai m who has t he courage t o back up t hat
purpose wi t h act i on. Even a bal ky horse knows when a
dri ver wi t h a def i ni t e chi ef ai m t akes hol d oI t he rei ns;
and yi el ds t o t hat dri ver. When a man wi t h a def i ni t e
chi ef ai m st art s t hrough a crowd everybody st ands
asi de and makes a way Ior him, but l et a man hesi t at e
and show by hi s act i ons t hat he i s not sure whi ch way
he want s t o go and t he crowd wi l l st ep al l over hi s
t oes and reIuse t o budge an i nch out oI hi s way.
- 23 -

THE LAW OF SUCCESS
!"#$%&' )%*+ ,$--*. <>%$$
SELF-CONFIDENCE


You l earned i n Lesson Two t hat any i dea you
Ii rml y Ii x i n your subconsci ous mi nd, by repeat ed
aIIi rmat i on, aut omat i cal l y becomes a pl an or bl uepri nt
whi ch an unseen power uses i n di rect i ng your eIIort s
t oward t he at t ai nment oI t he obj ect i ve named - i n t he
pl an.
You have al so l earned t hat t he pri nci pl e t hrough
whi ch you may Ii x any i dea you choose i n your mi nd
i s cal l ed Aut o-suggest i on, whi ch si mpl y means a
suggest i on t hat you gi ve t o your own mi nd.
You mi ght wel l remember t hat Not hi ng can bri ng
vou success but voursel f . OI course you wi l l need t he
co-operat i on oI ot hers i I you ai m t o at t ai n success oI a
Iar-reachi ng nat ure, but you wi l l never get t hat
cooperat i on unl ess you vi t al i ze your mi nd wi t h t he
posi t i ve at t i t ude oI sel I-conIi dence.
Perhaps you have wondered why a Iew men
advance t o hi ghl y pai d posi t i ons whi l e ot hers al l
around t hem, who have as much t rai ni ng and who
seemi ngl y perIorm as much work, do not get ahead.
Sel ect any t wo peopl e oI t hese t wo t ypes t hat you
choose, and st udy t hem, and t he reason why one
advances and t he ot her st ands st i l l wi l l be qui t e
obvi ous t o you. You wi l l Ii nd t hat t he one who
advances bel i eves i n hi msel I. You wi l l Ii nd t hat he
backs t hi s bel i eI wi t h such dynami c, aggressi ve act i on
t hat he l et s ot hers know t hat he bel i eves i n hi msel I.
- 24 -

II you vanl a lhing
done veII, caII on
sone lusy peison lo
do il. ßusy peopIe aie
geneiaIIy lhe nosl
painslaking and
lhoiough in aII lhey
do.
- 25 -
You wi l l al so Ii nd t hat t he one who does not
advance shows cl earl y, by t he l ook on hi s Iace, by t he
post ure oI hi s body, by t he l ack oI bri skness i n hi s
st ep, by t he uncert ai nt y wi t h whi ch he speaks, t hat he
l acks Sel I-conIi dence. No one i s goi ng t o pay much
at t ent i on t o t he person who has no conIi dence i n
hi msel I.
He does not at t ract ot hers because hi s mi nd i s a
negat i ve Iorce t hat repel s rat her t han at t ract s.
In no ot her Ii el d oI endeavor does Sel I-
conIi dence or t he l ack oI i t pl ay such an i mport ant
part as i n t he Ii el d oI sal esmanshi p, and you do not
need t o be a charact er anal yst t o det ermi ne, t he
moment you meet hi m, whet her a sal esman possesses
t hi s qual i t y oI Sel I-conIi dence. II he has i t t he si gns
oI i t s i nIl uence are wri t t en al l over hi m. He i nspi res
you wi t h conIi dence i n hi m and i n t he goods he i s
sel l i ng t he moment he speaks.
We come, now, t o t he poi nt at , whi ch you are
ready t o t ake hol d oI t he pri nci pl e oI Aut o-suggest i on
and make di rect use oI i t i n devel opi ng yoursel I i nt o a
posi t i ve and dynami c and sel I-rel i ant person. You are
i nst ruct ed t o copy t he Iol l owi ng Iormul a, si gn i t and
commi t i t t o memory:

SELF-CONFIDENCE FORMULA

Fi rst . I know t hat I have t he abi l i t y t o achi eve t he
obj ect oI my def i ni t e purpose, t hereIore I demand
oI mysel I persi st ent , aggressi ve and cont i nuous
act i on t oward i t s at t ai nment .
Second. I real i ze t hat t he domi nat i ng t hought s oI my
mi nd event ual l y reproduce t hemsel ves i n out ward,
bodi l y act i on, and gradual l y t ransIorm t hemsel ves
i nt o physi cal real i t y, t hereIore I wi l l concent rat e
- 26 -
My mi nd Ior t hi rt y mi nut es dai l y upon t he t ask oI
t hi nki ng oI t he person I i nt end t o be, by creat i ng
a ment al pi ct ure oI t hi s person and t hen
t ransIormi ng t hat pi ct ure i nt o real i t y t hrough
pract i cal servi ce.
Thi rd. I know t hat t hrough t he pri nci pl e oI Aut o-
suggest i on, any desi re t hat I persi st ent l y hol d i n
my mi nd wi l l event ual l y seek expressi on t hrough
some pract i cal means oI real i zi ng i t , t hereIore I
shal l devot e t en mi nut es dai l y t o demandi ng oI
mysel I t he devel opment oI t he Iact ors named i n
t he si xt een l essons oI t hi s Readi ng Course on t he
Law oI Success.
Fourt h. I have cl earl y mapped out and wri t t en down a
descri pt i on oI my def i ni t e purpose i n l i Ie, Ior t he
comi ng Ii ve years. I have set a pri ce on my
servi ces Ior each oI t hese Ii ve years; a pri ce t hat
I i nt end t o earn and recei ve, t hrough st ri ct
appl i cat i on oI t he pri nci pl e oI eIIi ci ent ,
sat i sIact ory servi ce whi ch I wi l l render i n
advance.
Fi f t h. I Iul l y real i ze t hat no weal t h or posi t i on can
l ong endure unl ess bui l t upon t rut h and j ust i ce,
t hereIore I wi l l engage i n no t ransact i on whi ch
does not benef i t al l whom i t af f ect s. 1 wi l l
succeed by at t ract i ng t o me t he Iorces I wi sh t o
use, and t he co-operat i on oI ot her peopl e. I wi l l
i nduce ot hers t o serve me because I wi l l Ii rst
serve t hem. I wi l l el i mi nat e hat red, envy,
j eal ousy, sel Ii shness and cyni ci sm by devel opi ng
l ove Ior al l humani t y, because I know t hat a
negat i ve at t i t ude t oward ot hers can never bri ng
me success. I wi l l cause ot hers t o bel i eve i n me
because I wi l l bel i eve i n t hem and i n mysel I.
- 27 -
I wi l l si gn my name t o t hi s Iormul a, commi t i t t o
memory and repeat i t al oud once a day wi t h Iul l
f ai t h t hat i t wi l l gradual l y i nIl uence my ent i re
l i Ie so t hat I wi l l become a successIul and happy
worker i n my chosen Ii el d oI endeavor.

Si gned................


BeIore you si gn your name t o t hi s Iormul a make
sure t hat you i nt end t o carry out i t s i nst ruct i ons. Back
oI t hi s Iormul a l i es a l aw t hat no man can expl ai n. The
psychol ogi st s reIer t o t hi s l aw as Aut o-suggest i on and
l et i t go at t hat , but you shoul d bear i n mi nd one poi nt
about whi ch t here i s no uncert ai nt y, and t hat i s t he
Iact t hat what ever t hi s l aw i s i t act ual l v works'
Anot her poi nt t o be kept i n mi nd i s t he Iact t hat ,
j ust as el ect ri ci t y wi l l t urn t he wheel s oI i ndust ry and
serve manki nd i n a mi l l i on ot her ways, or snuII out
l i Ie i I wrongl y appl i ed, so wi l l t hi s pri nci pl e oI Aut o-
suggest i on l ead you up t he mount ai n-si de oI peace and
prosperi t y, or down i nt o t he val l ey oI mi sery and
povert y, accordi ng t o t he appl i cat i on you make oI i t .
II you Ii l l your mi nd wi t h doubt and unbel i eI i n your
abi l i t y t o achi eve, t hen t he pri nci pl e oI Aut o-
suggest i on t akes t hi s spi ri t oI unbel i eI and set s i t up
i n your subconsci ous mi nd as your domi nat i ng t hought
and sl owl y but surel y draws you i nt o t he whi rl pool oI
f ai l ure. But , i I you Ii l l your mi nd wi t h radi ant Sel I-
conIi dence, t he pri nci pl e oI Aut o-suggest i on t akes t hi s
bel i eI and set s i t up as your domi nat i ng t hought and
hel ps you mast er t he obst acl es t hat Ial l i n your way
unt i l you reach t he mount ai n-t op oI success.
- 28 -

THE LAW OF SUCCESS
!"#$%&' )%*+ ,$--*. ?*2%
THE HABIT OF SAVING


We are t he vi ct i ms oI our habi t s, no mat t er who
we are or what may be our l i Ie-cal l i ng. Any i dea t hat
i s del i berat el y Ii xed i n t he mi nd, or any i dea t hat i s
permi t t ed t o set i t sel I up i n t he mi nd, as t he resul t oI
suggest i on, envi ronment , t he i nIl uence oI associ at es,
et c. , i s sure t o cause us t o i ndul ge i n act s whi ch
conIorm t o t he nat ure oI t he i dea.
Form t he habi t oI t hi nki ng and t al ki ng oI
prosperi t y and abundance, and very soon mat eri al
evi dence oI t hese wi l l begi n t o mani Iest i t sel I i n t he
nat ure oI wi der opport uni t y and new and unexpect ed
opport uni t y.
Li ke at t ract s l i ke! II you are i n busi ness and have
Iormed t he habi t oI t al ki ng and t hi nki ng about
"busi ness bei ng bad" busi ness wi l l be bad. One
pessi mi st , provi di ng he i s permi t t ed t o cont i nue hi s
dest ruct i ve i nIl uence l ong enough, can dest roy t he
work oI hal I a dozen compet ent men, and he wi l l do i t
by set t i ng adri It i n t he mi nds oI hi s associ at es t he
t hought oI povert y and Iai l ure.
Don' t be t hi s t ype oI man or woman.
One oI t he most successIul bankers i n t he st at e oI
Il l i noi s has t hi s si gn hangi ng i n hi s pri vat e oIIi ce:
- 29 -



YOU aie a hunan
nagnel and you aie
conslanlIy alliacling lo
you peopIe vhose
chaiacleis hainonize
vilh youi ovn.


- 3O -
"WE TALK AND THINK ONLY OF
ABUNDANCE HERE. IF YOU HAVE A TALE OF
WOE PLEASE KEEP IT, AS WE DO NOT WANT IT. "
No busi ness Ii rm want s t he servi ces oI a
pessi mi st , and t hose who underst and t he Law oI
At t ract i on and t he Law oI Habi t wi l l no more t ol erat e
t he pessi mi st t han t hey woul d permi t a burgl ar t o roam
around t hei r pl ace oI busi ness, Ior t he reason t hat one
such person wi l l dest roy t he useIul ness oI t hose
around hi m.
In t ens oI t housands oI homes t he general t opi c oI
conversat i on i s povert y and want , and t hat i s j ust what
t hey are get t i ng. They t hi nk oI povert y, t hey t al k oI
povert y, t hey accept povert y as t hei r l ot i n l i Ie. They
reason t hat because t hei r ancest ors were poor beIore
t hem t hey, al so, must remai n poor.
The povert y consci ousness i s Iormed as t he resul t
oI t he habi t oI t hi nki ng oI and Ieari ng povert y. "Lo!
t he t hi ng I had Ieared has come upon me. "

THE SLAVERY OF DEBT

Debt i s a merci l ess mast er, a Iat al enemy oI t he
savi ngs habi t .
Povert y, al one, i s suIIi ci ent t o ki l l oII ambi t i on,
dest roy sel I-conIi dence and dest roy hope, but add t o i t
t he burden oI debt and al l who are vi ct i ms oI t hese
t wo cruel t ask-mast ers are pract i cal l y doomed t o
Iai l ure.
No man can do hi s best work, no man can express
hi msel I i n t erms t hat command respect , no man can
ei t her creat e or carry out a deIi ni t e purpose i n l i Ie,
wi t h heavy debt hangi ng over hi s head. The man who
i s bound i n t he sl avery oI debt i s j ust as hel pl ess as
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t he sl ave who i s bound by i gnorance, or by act ual
chai ns.
The aut hor has a very cl ose Iri end whose i ncome
i s $1, 000 a mont h. Hi s wi Ie l oves "soci et y" and t ri es
t o make a $20, 000 showi ng on a $12, 000 i ncome, wi t h
t he resul t t hat t hi s poor Iel l ow i s usual l y about $8, 000
i n debt . Every member oI hi s Iami l y has t he "spendi ng
habi t , " havi ng acqui red t hi s Irom t he mot her. The
chi l dren, t wo gi rl s and one boy, are now oI t he age
when t hey are t hi nki ng oI goi ng t o col l ege, but t hi s i s
i mpossi bl e because oI t he Iat her' s debt s. The resul t i s
di ssensi on bet ween t he Iat her and hi s chi l dren whi ch
makes t he ent i re Iami l y unhappy and mi serabl e.
It i s a t erri bl e t hi ng even t o t hi nk oI goi ng
t hrough l i Ie l i ke a pri soner i n chai ns, bound down and
owned by somebody el se on account oI debt s. The
accumul at i on oI debt s i s a habi t . It st art s i n a smal l
way and grows t o enormous proport i ons sl owl y, st ep
by st ep, unt i l Ii nal l y i t t akes charge oI one' s very
soul .
Thousands oI young men st art t hei r marri ed l i ves
wi t h unnecessary debt s hangi ng over t hei r heads and
never manage t o get out Irom under t he l oad. AIt er t he
novel t y oI marri age begi ns t o wear oII (as i t usual l y
does) t he marri ed coupl e begi n t o Ieel t he
embarrassment oI want , and t hi s Ieel i ng grows unt i l i t
l eads, oIt ent i mes, t o open di ssat i sIact i on wi t h one
anot her, and event ual l y t o t he di vorce court .
A man who i s bound by t he sl avery oI debt has no
t i me or i ncl i nat i on t o set up or work out i deal s, wi t h
t he resul t t hat he dri It s downward wi t h t i me unt i l he
event ual l y begi ns t o set up l i mi t at i ons i n hi s own
mi nd, and by t hese he hedges hi msel I behi nd pri son
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wal l s oI FEAR and doubt Irom whi ch he never
escapes.
No sacri Ii ce i s t oo great t o avoi d t he mi sery oI
debt !
"Thi nk oI what you owe yoursel I and t hose who
are dependent upon you and resol ve t o be no man' s
debt or, " i s t he advi ce oI one very successIul man
whose earl y chances were dest royed by debt . Thi s man
came t o hi msel I soon enough t o t hrow oII t he habi t oI
buyi ng t hat whi ch he di d not need and event ual l y
worked hi s way out oI sl avery.
Most men who devel op t he habi t oI debt wi l l not
be so Iort unat e as t o come t o t hei r senses i n t i me t o
save t hemsel ves, because debt i s somet hi ng l i ke
qui cksand i n t hat i t has a t endency t o draw i t s vi ct i m
deeper and deeper i nt o t he mi re.
The Fear oI Povert y i s one oI t he most dest ruct i ve
oI t he si x basi c Iears descri bed i n Lesson Three. The
man who becomes hopel essl y i n debt i s sei zed wi t h
t hi s povert y Iear, hi s ambi t i on and sel I-conIi dence
become paral yzed, and he si nks gradual l y i nt o
obl i vi on.
There are t wo cl asses oI debt s, and t hese are so
di IIerent i n nat ure t hat t hey deserve t o be here
descri bed, as Iol l ows:
1. There are debt s i ncurred Ior l uxuri es whi ch
become a dead l oss.
2. There are debt s i ncurred i n t he course oI
proIessi onal or busi ness t radi ng whi ch represent
servi ce or merchandi se t hat can be convert ed back i nt o
asset s.
The Ii rst cl ass oI debt s i s t he one t o be avoi ded.
The second cl ass may be i ndul ged i n, provi di ng t he
one i ncurri ng t he debt s uses j udgment and does not go
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beyond t he bounds oI reasonabl e l i mi t at i on. The
moment one buys beyond hi s l i mi t at i ons he ent ers t he
real m oI specul at i on, and specul at i on swal l ows more
oI i t s vi ct i ms t han i t enri ches.
Pract i cal l y al l peopl e who l i ve beyond t hei r
means are t empt ed t o specul at e wi t h t he hope t hat t hey
may recoup, at a si ngl e t urn oI t he wheel oI Iort une,
so t o speak, t hei r ent i re i ndebt edness. The wheel
general l y st ops at t he wrong pl ace and, Iar Irom
Ii ndi ng t hemsel ves out oI debt , such peopl e as i ndul ge
i n specul at i on are bound more cl osel y as sl aves oI
debt .
The Fear oI Povert y breaks down t he wi l l -power
oI i t s vi ct i ms, and t hey t hen Ii nd t hemsel ves unabl e t o
rest ore t hei r l ost Iort unes, and, what i s st i l l more sad,
t hey l ose al l ambi t i on t o ext ri cat e t hemsel ves Irom.
t he sl avery oI debt .
Hardl y a day passes t hat one may not see an
account i n t he newspapers oI at l east one sui ci de as
t he resul t oI worry over debt s. The sl avery oI debt
causes more sui ci des every year t han al l ot her causes
combi ned, whi ch i s a sl i ght i ndi cat i on oI t he cruel t y
oI t he povert y Iear.
Duri ng t he war mi l l i ons oI men Iaced t he Iront -
l i ne t renches wi t hout Il i nchi ng, knowi ng t hat deat h
mi ght overt ake t hem any moment . Those same men,
when Iaci ng t he Fear oI Povert y, oIt en cri nge and out
oI sheer desperat i on, whi ch paral yzes t hei r reason,
somet i mes commi t sui ci de.
The person who i s Iree Irom debt may whi p
povert y and achi eve out st andi ng Ii nanci al success,
but , i I he i s bound by debt , such achi evement i s but a
remot e possi bi l i t y, and never a probabi l i t y.
Fear oI Povert y i s a negat i ve, dest ruct i ve st at e oI
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mi nd. Moreover, one negat i ve st at e oI mi nd has a
t endency t o at t ract ot her si mi l ar st at es oI mi nd. For
exampl e, t he Fear oI Povert y may at t ract t he Iear oI
Il l Heal t h, and t hese t wo may at t ract t he Fear oI Ol d
Age, so t hat t he vi ct i m Ii nds hi msel I povert y-st ri cken,
i n i l l heal t h and act ual l y growi ng ol d l ong beIore t he
t i me when he shoul d begi n t o show t he si gns oI ol d
age.
Mi l l i ons oI unt i mel y, namel ess graves have been
Ii l l ed by t hi s cruel st at e oI mi nd known as t he Fear oI
Povert y!
Less t han a dozen years ago a young man hel d a
responsi bl e posi t i on wi t h t he Ci t y Nat i onal Bank, oI
New York Ci t y. Through l i vi ng beyond hi s i ncome he
cont ract ed a l arge amount oI debt s whi ch caused hi m
t o worry unt i l t hi s dest ruct i ve habi t began t o show up
i n hi s work and he was di smi ssed Irom t he bank' s
servi ce.
He secured anot her posi t i on, at l ess money, but
hi s credi t ors embarrassed hi m so t hat he deci ded t o
resi gn and go away i nt o anot her ci t y, where he hoped
t o escape t hem unt i l he had accumul at ed enough
money t o pay oII hi s i ndebt edness. Credi t ors have a
way oI t raci ng debt ors, so very soon t hey were cl ose
on t he heel s oI t hi s young man, whose empl oyer Iound
out about hi s i ndebt edness and di smi ssed hi m Irom hi s
posi t i on.
He t hen searched i n vai n Ior empl oyment Ior t wo
mont hs. One col d ni ght he went t o t he t op oI one oI
t he t al l bui l di ngs on Broadway and j umped oII. Debt
had cl ai med anot her vi ct i m.
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WHO loId you il
couIdn'l le done` and,
vhal gieal achievenenl
has he lo his ciedil lhal
enlilIes hin lo use lhe
void "inpossilIe" so
fieeIy`

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HOW TO MASTER THE FEAR OF POVERTY

To whi p t he Fear oI Povert y one must t ake t wo
very deIi ni t e st eps, provi di ng one i s i n debt . Fi rst ,
qui t t he habi t oI buyi ng on credi t , and Iol l ow t hi s by
gradual l y payi ng oII t he debt s t hat you have al ready
i ncurred.
Bei ng Iree Irom t he worry oI i ndebt edness you
are ready t o revamp t he habi t s oI your mi nd and re-
di rect your course t oward prosperi t y. Adopt , as a part
oI your DeIi ni t e Chi eI Ai m, t he habi t oI savi ng a
regul ar proport i on oI your i ncome, even i I t hi s be no
more t han a penny a day. Very soon t hi s habi t wi l l
begi n t o l ay hol d oI your mi nd and you wi l l act ual l y
get j oy out oI savi ng.
Any habi t may be di scont i nued by bui l di ng i n i t s
pl ace some ot her and more desi rabl e habi t . The
"spendi ng" habi t must be repl aced by t he "savi ng"
habi t by al l who at t ai n Ii nanci al i ndependence.
Merel y t o di scont i nue an undesi rabl e habi t i s not
enough, as such habi t s have a t endency t o reappear
unl ess t he pl ace t hey Iormerl y occupi ed i n t he mi nd i s
Ii l l ed by some ot her habi t oI a di IIerent nat ure.
The di scont i nuance oI a habi t l eaves a "hol e" i n
t he mi nd, and t hi s hol e must be Ii l l ed up wi t h some
ot her Iorm oI habi t or t he ol d one wi l l ret urn and
cl ai m i t s pl ace.
Throughout t hi s course many psychol ogi cal
Iormul as, whi ch t he st udent has been request ed t o
memori ze and pract i ce, have been descri bed. You wi l l
Ii nd such a Iormul a i n Lesson Three, t he obj ect oI
whi ch i s t o devel op Sel I-conIi dence.
- 37 -
These Iormul as may be assi mi l at ed so t hey
become a part oI your ment al machi nery, t hrough t he
Law oI Habi t , i I you wi l l Iol l ow t he i nst ruct i ons Ior
t hei r use whi ch accompany each oI t hem.
It i s assumed t hat you are st ri vi ng t o at t ai n
Ii nanci al i ndependence. The accumul at i on oI money i s
not di IIi cul t aIt er you have once mast ered t he Fear oI
Povert y and devel oped i n i t s pl ace t he Habi t oI
Savi ng.
The aut hor oI t hi s course woul d be great l y
di sappoi nt ed t o know t hat any st udent oI t he course
got t he i mpressi on Irom anyt hi ng i n t hi s or any oI t he
ot her: l essons t hat Success i s measured by dol l ars
al one.
However, money does represent an i mport ant
Iact or i n success, and i t must be gi ven i t s proper val ue
i n any phi l osophy i nt ended t o hel p peopl e i n becomi ng
useIul , happy and prosperous.
The col d, cruel , rel ent l ess t rut h i s t hat i n t hi s
age, oI mat eri al i sm a man i s no more t han so many
grai ns oI sand, whi ch may be bl own hel t er-skel t er by
every` st ray wi nd oI ci rcumst ance, unl ess he i s
ent renched behi nd t he power oI money!
Geni us may oIIer many rewards t o t hose who
possess i t , but t he Iact st i l l remai ns t hat geni us
wi t hout money wi t h whi ch t o gi ve i t expressi on i s but
an empt y, skel et on-l i ke honor.
The man wi t hout money i s at t he mercy oI t he
man who has i t !
And t hi s goes, regardl ess oI t he amount oI abi l i t y
he may possess, t he t rai ni ng he has had or t he nat i ve
geni us wi t h whi ch he was gi It ed by nat ure.
There i s no escape Irom t he Iact t hat peopl e wi l l
wei gh you very l argel y i n t he l i ght oI bank bal ances,
- 38 -
no mat t er who you are or what you can do. The Ii rst
quest i on t hat ari ses, i n t he mi nds oI most peopl e,
when t hey meet a st ranger, i s, "How much money has
he?" II he has money he i s wel comed i nt o homes and
busi ness opport uni t i es are t hrown hi s way. Al l sort s oI
at t ent i on are l avi shed upon hi m. He i s a pri nce, and as
such i s ent i t l ed t o t he best oI t he l and.
But i I hi s shoes are run down at t he heel s, hi s
cl ot hes are not pressed, hi s col l ar i s di rt y, and he
shows pl ai nl y t he si gns oI i mpoveri shed Ii nances, woe
be hi s l ot , Ior t he passi ng crowd wi l l st ep on hi s t oes
and bl ow t he smoke oI di srespect i n hi s Iace.
These are not pret t y st at ement s, but t hey have one
vi rt ue - THEY ARE TRUE!
Thi s t endency t o j udge peopl e by t he money t hey
have, or t hei r power t o cont rol money, i s not conIi ned
t o any one cl ass oI peopl e. We al l have a t ouch oI i t ,
whet her we recogni ze t he Iact or not .
Thomas A. Edi son i s one oI t he best known and
most respect ed i nvent ors i n t he worl d, yet i t i s no
mi sst at ement oI Iact s t o say t hat he woul d have
remai ned a pract i cal l y unknown, obscure personage
had he not Iol l owed t he habi t oI conservi ng hi s
resources and shown hi s abi l i t y t o save money.
Henry Ford never woul d have got t o Ii rst base
wi t h hi s "horsel ess carri age" had he not devel oped,
qui t e earl y i n l i Ie, t he habi t oI savi ng. Moreover, had
Mr. Ford not conserved hi s resources and hedged
hi msel I behi nd t hei r power he woul d have been
"swal l owed up" by hi s compet i t ors or t hose who
covet ousl y desi red t o t ake hi s busi ness away Irom
hi m, l ong, l ong years ago.
Many a man has gone a very l ong way t oward
- 39 -
success, onl y t o st umbl e and Ial l , never agai n t o ri se,
because oI l ack oI money i n t i mes oI emergency. The
mort al i t y rat e i n busi ness each year, due t o l ack oI
reserve capi t al Ior emergenci es, i s st upendous. To t hi s
one cause are due more oI t he busi ness Iai l ures t han t o
al l ot her causes combi ned!
Reserve Funds are essent i al i n t he successIul
operat i on oI busi ness!
Li kewi se, Savi ngs Account s are essent i al t o
success on t he part oI i ndi vi dual s. Wi t hout a savi ngs
Iund t he i ndi vi dual suIIers i n t wo ways: Ii rst , by
i nabi l i t y t o sei ze opport uni t i es t hat come onl y t o t he
person wi t h some ready cash, and, second, by
embarrassment due t o some unexpect ed emergency
cal l i ng Ior cash.
It mi ght be sai d, al so, t hat t he i ndi vi dual suIIers
i n st i l l a t hi rd respect by not devel opi ng t he Habi t oI
Savi ng, t hrough l ack oI cert ai n ot her qual i t i es
essent i al Ior success whi ch grow out oI t he pract i ce oI
t he Habi t oI Savi ng.
The ni ckel s, di mes and penni es whi ch t he average
person al l ows t o sl i p t hrough hi s Ii ngers woul d, i I
syst emat i cal l y saved and properl y put t o work,
event ual l y bri ng Ii nanci al i ndependence.
- 4O -

Note From Gary Vurnum
Hi, I hope that you are as excited as I am about this brand new ebook release of the amazing “The Law of Success in Sixteen Lessons”, written by Napoleon Hill, the author of the world-famous “Think & Grow Rich”. I literally stumbled upon it by accident…and boy, am I certainly glad that I did! If you have never read “Think & Grow Rich”…then you will be amazed at how Napoleon Hill manages to write so clearly, and with such obvious enthusiasm, that you cannot help yourself from getting caught up in how you CAN make more of your life. If you have already read “Think & Grow Rich”…then you will understand what makes Napoleon Hill’s writing so special. “The Law of Success” has for many years been hidden behind “Think & Grow Rich”, yet almost every successful person I have ever spoken to has a copy of it somewhere on their bookshelf. Because I had to go through the entire 1,170 page book at least ten times…I can honestly say that “The Law of Success” is THE most important book that you have probably never read! This ebook is a sample of excerpts from the first four Lessons from the main course…and will give you a flavor of the wonderful and useful content that is contained inside. All sixteen Lessons are available from http://www.law-of-success.com for an investment of only $97…which also includes over 20 amazing additional tools and resources that complete what has been called the “Holy Grail of Self-Improvement”. Enjoy this sample…and remember…you can only achieve success by putting into action what you have learned…and “The Law of Success” course will certainly help you do just that. To Our Success! Gary Vurnum, gary@law-of-success.com
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Excerpts from the first Four Lessons of the

LAW OF SUCCESS
COURSE
By Napoleon Hill

-3-

A PERSONAL STATEMENT BY THE AUTHOR
Some thirty years ago a young clergyman by the name of Gunsaulus announced in the newspapers of Chicago that he would preach a sermon the following Sunday morning entitled: "WHAT I WOULD DO IF I HAD A MILLION DOLLARS!" The announcement caught the eye of Philip D. Armour, the wealthy packing-house king, who decided to hear the sermon. In his sermon Dr. Gunsaulus pictured a great school of technology where young men and young women could be taught how to succeed in life by developing the ability to THINK in practical rather than in theoretical terms; where they would be taught to "learn by doing." "If I had a million dollars," said the young preacher, "I would start such a school." After the sermon was over Mr. Armour walked down the aisle to the pulpit, introduced himself, and said, "Young man, I believe you could do all you said you could, and if you will come down to my office tomorrow morning I will give you the million dollars you need." There is always plenty of capital for those who can create practical plans for using it. That was the beginning of the Armour Institute of Technology, one of the very practical schools of the country. The school was born in the "imagination" of a young man who never would have been heard of outside of the community in which he preached had it not been for the "imagination," plus the capital, of Philip D. Armour. Every great railroad, and every outstanding financial institution and every mammoth business

-4-

grieving over their loss. in his own "imagination. Edison created the talking machine and the moving picture machine and the incandescent electric light bulb and scores of other useful inventions. extended and broadened by use. by developing and using your "imagination. and every great invention. During the Chicago fire scores of merchants whose stores went up in smoke stood near the smoldering embers of their former places of business. Woolworth created the Five and Ten Cent Store Plan in his "imagination" before it became a reality and made him a multimillionaire. Thomas A. there is room for you to make yourself more useful. yet you will only be deceiving yourself if you believe that you can succeed without -5- . In the group was Marshall Field. That store became a reality. began in the imagination of some one person. Fortunate is the young man or young woman who learns. to use imagination. F." the world's greatest retail store. and doubly so in this age of greater opportunity. whoever you are. Wherever you are. early in life. whatever you may be following as an occupation. Imagination is a faculty of the mind which can be cultivated. which was then but a ruined mass of smoking timbers. developed. standing on the selfsame spot where his former store had stood. who saw." before they became a reality. Many of them decided to go away into other cities and start over again. W.enterprise. If this were not true." Success in this world is always a matter of individual effort. because it was first conceived in the author's "imagination." from the mere seed of an idea which was sown by a chance remark of the late Andrew Carnegie. this course on the Fifteen Laws of Success never would have been created. in his own "imagination. and in that manner more productive.

Then. To this end you will be analyzed and all of your qualities classified so you may organize them and make the best possible use of them. Study. The law upon which this lesson is based. Of the ten men analyzed eight are known to be successful. achieving success is a matter of skillfully and tactfully inducing others to cooperate. at the end of the course rate yourself again and observe the improvements you have made. in his or her own mind. the reason why these two men failed. In the two columns which have been left blank for that purpose. For this reason the eighth lesson of this course. is one which should have your serious and thoughtful attention. before you have the right to ask for or expect co-operation from other people.the co-operation of other people. study yourself. would. of itself. The purpose of the Law of Success course is to enable you to find out how you may become more capable in your chosen field of work. what is wanted. practically insure success to all who practice it in all they do. You may not like the work in which you are now engaged. This involves the use of "imagination. Observe this chart carefully and note the "danger points" which mean failure to those who do not observe these signals. THE HABIT OF DOING MORE THAN PAID FOR. In the back pages of this Introduction you will observe a Personal Analysis Chart in which ten well known men have been analyzed for your study and comparison. -6- ." From this point on. give yourself a rating on each of the Fifteen Laws of Success at the beginning of this course. nay. Success is a matter of individual effort only to the extent that each person must decide. while two may be considered failures. carefully. you must first show a willingness to co-operate with them. Before you can secure co-operation from others.

at one time or another. One way is to take but little interest in what you are doing. that we may find it right where we stand! THIS IS A TRUTH WELL WORTH REMEMBERING! NAPOLEON HILL. and discovered the richest copper deposit on earth." Very soon you will find a way out. The other and better way is by making yourself so useful and efficient in what you are now doing that you will attract the favorable attention of those who have the power to promote you into more responsible work that is more to your liking. investigated. over your "Calumet Mine. It is your privilege to take your choice as to which way you will proceed. Thousands of people walked over the great Calumet Copper Mine without discovering it. You and every other person walk.There are two ways of getting out of that work. -7- . through the aid of which you may avail yourself of this "better way" of promoting yourself. Again you are reminded of the importance of Lesson Nine of this course. Just one lone man used his "imagination. in the work in which you are now engaged. because the demand for your services will cease. Author of the Law of Success." and you may be surprised when you discover that you were standing right over this rich mine. In his lecture on "Acres of Diamonds. aiming merely to do enough with which to "get by." Russell Conwell tells us that we need not seek opportunity in the distance." dug down into the earth a few feet." Discovery is a matter of investigation and use of "imagination." This course on the Fifteen Laws of Success may lead the way to your "Calumet.

THE LAW OF SUCCESS Excerpt from Lesson One THE MASTER MIND "You Can Do It if You Believe You Can!" THIS is a course on the fundamentals of Success. therefore. because it helps the student to interpret. Before you begin reading the Law of Success lessons you should know something of the history of the course. this course is in reality a blueprint that may be followed straight to success. Success is very largely a matter of adjusting one's self to the ever-varying and changing environments of life. Harmony is based upon understanding of the forces constituting one's environment. understand and make the most of these environmental forces of life. You should know exactly what the course promises to those who follow it until they have assimilated the laws and principles upon which it is based. You should know its limitations as well as its possibilities as an aid in your fight for a place in the world. in a spirit of harmony and poise. From the viewpoint of entertainment the Law of Success course would be a poor second for most any -8- .

REVENGE. The author's aim. in preparing this course. and. The most outstanding of these weaknesses which stand between men and women and success are INTOLERANCE. that it already has to its credit a record of achievement that is worthy of serious -9- . The most successful men and women on earth have had to correct certain weak spots in their personalities before they began to succeed. You should know. secondly-to help create a DEFINITE PLAN for bridging those weaknesses. The course has been created for the seriousminded person who devotes at least a portion of his or her time to the business of succeeding in life. JEALOUSY. SUSPICION. namely. that the Law of Success course has long since passed through the experimental state. are covered by the Law of Success course in such a manner that any person of reasonable intelligence may master them with but little effort or inconvenience. GREED. first-to help the earnest student find out what are his or her weaknesses. and many more not here mentioned. All of these common enemies of mankind. at the very outset. CONCEIT. The author of the Law of Success course has not intended to compete with those who write purely for the purpose of entertaining. EGOTISM.of the monthly periodicals of the "Snappy Story" variety which may be found upon the news stands of today. CUPIDITY. and the HABIT OF SPENDING MORE THAN THEY EARN. has been of a two-fold nature. THE TENDENCY TO REAP WHERE THEY HAVE NOT SOWN.

The first big victory was gained for the Law of Success philosophy when it was used by the author as the basis of a course with which 3.000 men and women were trained as a sales army. The majority of these people were without previous experience. also. of any sort. throughout the United States. The individuals and small groups of salespeople who have found success through the aid of this course are too numerous to be mentioned in this Introduction. The Law of Success course was first used as a lecture. but the number is large and the benefits they derived from the course were definite.000.10 - . You should know. covering a period of approximately six months. over a period of more than seven years.thought and analysis.00 for his services. During these lectures the author had assistants located in the audiences for the purpose of interpreting the reaction of those who heard the lecture.000. and in this manner he learned exactly what effect it had upon people.000. As a result of this study and analysis many changes were made.00) for themselves and paid the author $30. The Law of Success philosophy was brought to . and was delivered by its author in practically every city and in many of the smaller localities. Through this training they were enabled to earn more than One Million Dollars ($1. Perhaps you were one of the many hundreds of thousands of people who heard this lecture. that the Law of Success course has been examined and endorsed by some of the most practical minds of this generation. in the field of selling.

to present the Law of Success course to every employee of the Steel Corporation. Do not allow this to bother you. They will be plain to you after you read the remainder of the course. You will observe. and the fact that he analyzed the Law of Success philosophy and was preparing to invest the huge sum of $150. but it proves that the author of the Law of Success has produced an educational plan of an enduring nature. Prior to his death Mr. Mellett. and you should read it as such.00.000. Gary. This plan was halted because of judge Gary's death. a few technical terms which may not be plain to you. Judge Gary was eminently prepared to judge the value of such a course. who was then Chairman of the Board of the United States Steel Corporation.the attention of the late Don R.000. 1926.00 in it is proof of the soundness of all that is said in behalf of the course. You will not be examined on this Introduction. . This entire Introduction is intended only as a background for the other fifteen lessons of the course. who formed a partnership with the author of the course and was preparing to resign as publisher of the Canton Daily News and take up the business management of the author's affairs when he was assassinated on July 16. at a total cost of something like $150. former publisher of the Canton (Ohio) Daily News. as you will get from it at each reading a thought or an idea which you did not get on previous readings. Mellett had made arrangements with judge Elbert H. but you should read it many times. Make no attempt at first reading to understand these terms.11 - . in this General Introduction to the course.

12 - .In this Introduction you will find a description of a newly discovered law of psychology which is the very foundation stone of all outstanding personal achievements." with the result that every man in the group wrote more insurance during the first three months of the experiment than he had ever written in an entire year before. This law has been referred to by the author as the "Master Mind. a small group of men working for the Prudential Life Insurance Company. whose sales are mostly small policies. with an established necessity such as life insurance. formed a little friendly group for the purpose of experimenting with the law of the "Master Mind. This ought not to be true. Despite this fact. Life Insurance is supposed to be the hardest thing on earth to sell. by any small group of intelligent lifeinsurance salesmen who have learned how to apply the law of the "Master Mind" will stagger the imagination of the most highly optimistic and imaginative person. The same may be said of other groups of salespeople who are engaged in selling merchandise . It has been found that a group of six or seven salespeople may use the law so effectively that their sales may be increased to unbelievable proportions." meaning a mind that is developed through the harmonious co-operation of two or more people who ally themselves for the purpose of accomplishing any given task. but it is. What may be accomplished through the aid of this principle. If you are engaged in the business of selling you may profitably experiment with this law of the "Master Mind" in your daily work.

. - Napoleon Hill.13 - .NO MAN TO HAS A CHANCE ENJOY PERMANENT SUCCESS UNTIL HE BEGINS TO LOOK IN A MIRROR FOR THE REAL CAUSE OF ALL HIS MISTAKES.

who has attended to the personalities of those who come in contact with the public. Why? Personalities! Ninety-nine people out of every hundred who purchase life insurance policies do not know what is in their policies and. regardless of the company from which one purchases it. yet you will find there is always one outstanding store which does more business than any of the others. Life insurance has been reduced to such a scientific basis that the cost of insurance does not vary to any great extent. In any of the great cities of the United States one may purchase merchandise of similar nature and price in scores of stores. alone. may give you sufficient understanding of the law to change the entire course of your life. Bear this in mind as you read this Introduction to the Law of Success course and it is not unreasonable to expect that this Introduction. do not seem to care. yet out of the hundreds of life insurance companies doing business less than a dozen companies do the bulk of the business of the United States. or men. Modify those personalities so they are more pleasing and more attractive to the patrons of the business and the business will thrive. It is the personalities back of a business which determine the measure of success the business will enjoy. What they really . and the reason for this is that back of that store is a man. and it is a question if they are not influenced more by the personalities with which they come in contact than they are by the merchandise.and other more tangible forms of service than life insurance. what seems more startling. People buy personalities as much as merchandise.14 - .

in fact. if not. This course was created for the purpose of teaching people how to negotiate their way through life with harmony and poise. Success. Your business in life. One of the greatest problems of life.purchase is the pleasing personality of some man or woman who knows the value of cultivating such a personality. . and you can never enjoy power without sufficient personality to influence other people to cooperate with you in a spirit of harmony. is to achieve success.15 - . or at least the most important part of it. This course shows you step by step how to develop such a personality. within the meaning of that term as covered by this course on the Fifteen Laws of Success. With this statement of the purpose of the course you should be able to approach the lessons with the feeling that a complete transformation is about to take place in your personality. want and failure every year. is that of learning the art of harmonious negotiation with others." Regardless of what your major aim in life may be. You cannot enjoy outstanding success in life without power. free from the destructive effects of disagreement and friction which bring millions of people to misery. is "the attainment of your Definite Chief Aim without violating the rights of other people. you will attain it with much less difficulty after you learn how to cultivate a pleasing personality and after you have learned the delicate art of allying yourself with others in a given undertaking without friction or envy. the greatest.

and with no conception whatsoever of even the need of such a thing as a definite objective toward which to strive. Your definite chief aim in life should be selected with deliberate care. . There is a psychological as well as an economic reason for the selection of a definite chief aim in life. with the determination to realize it.THE LAW OF SUCCESS Excerpt from Lesson Two A Definite Chief Aim The key-note of this entire lesson may be found in the word "definite. the psychological effect of which is to impress this purpose upon your subconscious mind so strongly that it accepts that purpose as a pattern or blueprint that will eventually dominate your activities in life and lead you. toward the attainment of the object back of that purpose.16 - . without the slightest conception of the work for which they are best fitted. Any definite chief aim that is deliberately fixed in the mind and held there. and after it has been selected it should be written out and placed where you will see it at least once a day. finally saturates the entire subconscious mind until it automatically influences the physical action of the body toward the attainment of that purpose. step by step." It is most appalling to know that ninety-five per cent of the people of the world are drifting aimlessly through life.

but do not be afraid of it on that account. It was through the aid of this same principle that Theodore Roosevelt became one of the most aggressive leaders that ever reached the presidency of the United States. then apply. that it will bring you peace and prosperity. for it was this same principle through the aid of which Napoleon lifted himself from the lowly station of poverty-stricken Corsican to the dictatorship of France. that its attainment will bring hardship and misery to no one. in a log cabin in the mountains of Kentucky. He is busy every minute. and the presidency of the greatest nation on earth. It was through the aid of this same principle that Lincoln bridged the mighty chasm between his lowly birth. to the limit of your understanding. Be sure that your definite purpose is constructive. On the street corner. I see a man who stands there all day long and sells peanuts. or suggestion which you repeatedly make to yourself.The principle of psychology through which you can impress your definite chief aim upon your subconscious mind is called Auto-suggestion. He is . It is a degree of self-hypnotism.17 - . It was through the aid of this same principle that Thomas A. the principle of self-suggestion for the speedy attainment of this purpose. When not actually engaged in making a sale he is roasting and packing the peanuts in little bags. You need have no fear of the principle of Autosuggestion as long as you are sure that the objective for which you are striving is one that will bring you happiness of an enduring nature. just opposite the room in which I am writing. Edison has risen from the lowly beginning of a news butcher to where he is accepted as the leading inventor of the world.

would bring him much greater returns. but because he never sat down and thought out a definite purpose that would bring him greater returns for his labor. He puts sufficient labor into his work to bring him a substantial return if that labor were directed toward the attainment of a definite purpose that offered bigger returns.18 - . some little paper bags and a crowd of people buying peanuts. About ten years ago he caught sight of the possibilities of this principle of self-suggestion and began. if directed along other lines. Another one of the tragedies of this man's work is the fact that he is unconsciously making use of the principle of self-suggestion. if a picture could be made of his thoughts.one of that great army constituting the ninety-five per cent who have no definite purpose in life. but he is doing it to his own disadvantage. and the perseverance to hold that picture before his mind until it influenced him to take the necessary steps to enter a more profitable calling. to harness it and put it to work. One of my closest personal friends is one of the best known writers and public speakers of this country. No doubt. This man could get out of the peanut business if he had the vision and the ambition first to imagine himself in a more profitable calling. He is selling peanuts because he is a drifter on the sea of life. He worked out a plan for its application that proved to . He is selling peanuts. immediately. not because he likes that work better than anything else he might do. and one of the tragedies of his work is the fact that the same amount of effort that he puts into it. there would be nothing in that picture except a peanut roaster.

Emerson: I desire to build in my own character those qualities of vision and the ability to interpret the laws of Nature as written in the rocks of prison walls and growing trees and flowing brooks and growing flowers and the faces of little children. At that time he was neither a writer nor a speaker. Washington. a long council table at which he placed (in his imagination) certain well known men whose characteristics he wished to absorb into his own personality. something after this manner: Mr. Washington: I desire to build in my own character those qualities of patriotism and selfsacrifice and leadership which were your outstanding characteristics. . Mr. I need these qualities and I shall not be contented until I have developed them. Napoleon: I desire to build in my own character those qualities of self-reliance and the strategic ability to master obstacles and profit by mistakes and develop strength out of defeat.19 - . Mr. just before going to sleep. he would shut his eyes and see. which were your outstanding characteristics. He then proceeded to talk to these imaginary figures that he had seated at his imaginary council table. and on either side of the table he placed Napoleon. in his imagination. Emerson and Elbert Hubbard.be very effective. At the end of the table he placed Lincoln. which were your outstanding characteristics. Each night. Lincoln: I desire to build in my own character those qualities of patience and fairness toward all mankind and the keen sense of humor which were your outstanding characteristics.

concise and forceful language. and you may see evidence of this law in every blade of grass and every growing tree.20 - . The subconscious mind may be likened to a magnet. for many months.Mr. Go into any cheap boarding house district in any city and there you will find people of the same general trend of mind associated together. Hubbard: I desire to develop the ability to equal and even to excel the ability that you possessed with which to express yourself in clear. On the other hand. Like attracts like. to this same Law of Attraction. this man saw these men seated around that imaginary council table until finally he had imprinted their outstanding characteristics upon his own subconscious mind so clearly that he began to develop a personality which was a composite of their personalities. And men are subject. It never makes a mistake and grows both oats and wheat on the same stalk. also. Every grain of wheat that is planted in the soil attracts the materials out of which to grow a stalk of wheat. The acorn attracts from the soil and the air the necessary materials out of which to grow an oak tree. go into any prosperous community and there you will find people of the same general tendencies associated together. It never grows a tree that is part oak and part poplar. and when it has been vitalized and thoroughly saturated with any definite purpose it has a decided tendency to attract all that is necessary for the fulfillment of that purpose. Men who are successful always seek the company of others who are successful. while men who are on the ragged side of . Night after night.

21 - .DO NOT “TELL” THE WORLD WHAT YOU CAN DO – “SHOW” IT! .

They would be miserable if thrown together for any great length of time. your DUTY. can you not see the importance of vitalizing your mind with a definite chief aim that will attract to you people who will be of help to you and not a hindrance? Suppose your definite chief aim is far above your present station in life. You owe it to yourself and to the community in which you live to set a high standard for yourself. This being true. to aim high in life. "Misery loves company. What of it? It is your privilege . Some years ago Louis Victor Eytinge was given a life sentence in the Arizona penitentiary.nay. Public feeling against him was intense and .22 - .life always seek the company of those who are in similar circumstances. At the time of his imprisonment he was an all-around "bad man. Eytinge had reason to feel discouraged. In addition to this it was believed that he would die of tuberculosis within a year. Oil and water will mix as readily as will men who have nothing in common. whether you wish it or not. if anyone ever had. A professor of Yale University and an illiterate hobo have nothing in common." according to his own admissions. All of which leads up to this statement: That you will attract to you people who harmonize with your own philosophy of life. There is much evidence to justify the belief that nothing within reason is beyond the possibility of attainment by the man whose definite chief aim has been well developed." Water seeks its level with no finer certainty than man seeks the company of those who occupy his own general status financially and mentally.

When a man with a definite chief aim starts through a crowd everybody stands aside and makes a way for him. rise from a lowly station in life to power and plenty. In less than a year from the time the decision was made he had won. Followers are willing followers when they know that their leader is a person with a definite chief aim who has the courage to back up that purpose with action.23 - . All great leaders base their leadership upon a definite chief aim. What was that "something"? Just this: He made up his mind to whip the white plague and regain his health. put the dreaded "white plague" to rout and finally unlocked the prison gates and gave him his freedom. . destroy the most deadly disease germs. That was a very definite chief aim. Then something happened in his own mind that gave him back his health. No undesirable environment is strong enough to hold the man or woman who understands how to apply the principle of Auto-suggestion in the creation of a definite chief aim. Soon the prison walls melted from around him. Then he extended that definite chief aim by making up his mind to gain his freedom.he did not have a single friend in the world who came forth and offered him encouragement or help. Even a balky horse knows when a driver with a definite chief aim takes hold of the reins. but let a man hesitate and show by his actions that he is not sure which way he wants to go and the crowd will step all over his toes and refuse to budge an inch out of his way. Such a person can throw off the shackles of poverty. and yields to that driver.

and study them. but you will never get that cooperation unless you vitalize your mind with the positive attitude of self-confidence.THE LAW OF SUCCESS Excerpt from Lesson Three SELF-CONFIDENCE You learned in Lesson Two that any idea you firmly fix in your subconscious mind. Of course you will need the co-operation of others if you aim to attain success of a far-reaching nature. You might well remember that Nothing can bring you success but yourself. aggressive action that he lets others know that he believes in himself. which simply means a suggestion that you give to your own mind.24 - . You will find that he backs this belief with such dynamic.in the plan. do not get ahead. You have also learned that the principle through which you may fix any idea you choose in your mind is called Auto-suggestion. Select any two people of these two types that you choose. Perhaps you have wondered why a few men advance to highly paid positions while others all around them. and the reason why one advances and the other stands still will be quite obvious to you. . You will find that the one who advances believes in himself. who have as much training and who seemingly perform as much work. automatically becomes a plan or blueprint which an unseen power uses in directing your efforts toward the attainment of the objective named . by repeated affirmation.

.25 - . Busy people are generally painstaking the most and thorough in all they do.IF you want a thing done well. call on some busy person to do it.

aggressive and continuous action toward its attainment. and gradually transform themselves into physical reality. No one is going to pay much attention to the person who has no confidence in himself. You are instructed to copy the following formula. bodily action. He inspires you with confidence in him and in the goods he is selling the moment he speaks. He does not attract others because his mind is a negative force that repels rather than attracts. therefore I will concentrate . and you do not need to be a character analyst to determine. Second: I realize that the dominating thoughts of my mind eventually reproduce themselves in outward. sign it and commit it to memory: SELF-CONFIDENCE FORMULA First: I know that I have the ability to achieve the object of my definite purpose. therefore I demand of myself persistent. by the uncertainty with which he speaks. the moment you meet him. to the point at. by the posture of his body. whether a salesman possesses this quality of Self-confidence. now. that he lacks Self-confidence. If he has it the signs of its influence are written all over him.26 - . We come. In no other field of endeavor does Selfconfidence or the lack of it play such an important part as in the field of salesmanship. by the lack of briskness in his step. which you are ready to take hold of the principle of Auto-suggestion and make direct use of it in developing yourself into a positive and dynamic and self-reliant person. by the look on his face.You will also find that the one who does not advance shows clearly.

jealousy. . satisfactory service which I will render in advance. therefore I shall devote ten minutes daily to demanding of myself the development of the factors named in the sixteen lessons of this Reading Course on the Law of Success. because I know that a negative attitude toward others can never bring me success. I have set a price on my services for each of these five years. 1 will succeed by attracting to me the forces I wish to use. I will eliminate hatred. I will induce others to serve me because I will first serve them. I will cause others to believe in me because I will believe in them and in myself. by creating a mental picture of this person and then transforming that picture into reality through practical service. therefore I will engage in no transaction which does not benefit all whom it affects. any desire that I persistently hold in my mind will eventually seek expression through some practical means of realizing it. through strict application of the principle of efficient. a price that I intend to earn and receive. Fourth: I have clearly mapped out and written down a description of my definite purpose in life. envy. and the co-operation of other people. for the coming five years. Fifth: I fully realize that no wealth or position can long endure unless built upon truth and justice.27 - . Third: I know that through the principle of Auto suggestion.My mind for thirty minutes daily upon the task of thinking of the person I intend to be. selfishness and cynicism by developing love for all humanity.

. The psychologists refer to this law as Auto-suggestion and let it go at that. commit it to memory and repeat it aloud once a day with full faith that it will gradually influence my entire life so that I will become a successful and happy worker in my chosen field of endeavor. If you fill your mind with doubt and unbelief in your ability to achieve. and that is the fact that whatever this law is it actually works! Another point to be kept in mind is the fact that. according to the application you make of it. but you should bear in mind one point about which there is no uncertainty. just as electricity will turn the wheels of industry and serve mankind in a million other ways. the principle of Auto-suggestion takes this belief and sets it up as your dominating thought and helps you master the obstacles that fall in your way until you reach the mountain-top of success.28 - . Signed………………………………………. But. so will this principle of Autosuggestion lead you up the mountain-side of peace and prosperity. then the principle of Autosuggestion takes this spirit of unbelief and sets it up in your subconscious mind as your dominating thought and slowly but surely draws you into the whirlpool of failure.I will sign my name to this formula. Back of this formula lies a law that no man can explain. or down into the valley of misery and poverty. or snuff out life if wrongly applied. if you fill your mind with radiant Selfconfidence. Before you sign your name to this formula make sure that you intend to carry out its instructions.

no matter who we are or what may be our life-calling. Don't be this type of man or woman. Like attracts like! If you are in business and have formed the habit of talking and thinking about "business being bad" business will be bad. Any idea that is deliberately fixed in the mind. or any idea that is permitted to set itself up in the mind.29 - . as the result of suggestion. providing he is permitted to continue his destructive influence long enough. One pessimist. can destroy the work of half a dozen competent men. the influence of associates. and he will do it by setting adrift in the minds of his associates the thought of poverty and failure. is sure to cause us to indulge in acts which conform to the nature of the idea. One of the most successful bankers in the state of Illinois has this sign hanging in his private office: . etc. and very soon material evidence of these will begin to manifest itself in the nature of wider opportunity and new and unexpected opportunity. environment.THE LAW OF SUCCESS Excerpt from Lesson Four THE HABIT OF SAVING We are the victims of our habits. Form the habit of thinking and talking of prosperity and abundance..

30 - . .YOU magnet are and a human you are constantly attracting to you people whose characters harmonize with your own.

destroy self-confidence and destroy hope. "Lo! the thing I had feared has come upon me. no man can either create or carry out a definite purpose in life. they accept poverty as their lot in life. alone. but add to it the burden of debt and all who are victims of these two cruel task-masters are practically doomed to failure.31 - . and that is just what they are getting." THE SLAVERY OF DEBT Debt is a merciless master. AS WE DO NOT WANT IT. is sufficient to kill off ambition. no man can express himself in terms that command respect. No man can do his best work." No business firm wants the services of a pessimist. must remain poor. a fatal enemy of the savings habit. The man who is bound in the slavery of debt is just as helpless as . they talk of poverty. Poverty. for the reason that one such person will destroy the usefulness of those around him. IF YOU HAVE A TALE OF WOE PLEASE KEEP IT. The poverty consciousness is formed as the result of the habit of thinking of and fearing poverty. and those who understand the Law of Attraction and the Law of Habit will no more tolerate the pessimist than they would permit a burglar to roam around their place of business. They reason that because their ancestors were poor before them they."WE TALK AND THINK ONLY OF ABUNDANCE HERE. In tens of thousands of homes the general topic of conversation is poverty and want. with heavy debt hanging over his head. also. They think of poverty.

with the result that he drifts downward with time until he eventually begins to set up limitations in his own mind. The accumulation of debts is a habit. and this feeling grows until it leads. but this is impossible because of the father's debts. Thousands of young men start their married lives with unnecessary debts hanging over their heads and never manage to get out from under the load. It starts in a small way and grows to enormous proportions slowly. A man who is bound by the slavery of debt has no time or inclination to set up or work out ideals.000 income. and eventually to the divorce court. to open dissatisfaction with one another. The children.000 in debt. After the novelty of marriage begins to wear off (as it usually does) the married couple begin to feel the embarrassment of want. are now of the age when they are thinking of going to college. bound down and owned by somebody else on account of debts. until finally it takes charge of one's very soul. with the result that this poor fellow is usually about $8. The result is dissension between the father and his children which makes the entire family unhappy and miserable. It is a terrible thing even to think of going through life like a prisoner in chains. and by these he hedges himself behind prison . His wife loves "society" and tries to make a $20. oftentimes. or by actual chains. The author has a very close friend whose income is $1.000 showing on a $12. two girls and one boy." having acquired this from the mother.the slave who is bound by ignorance. Every member of his family has the "spending habit. step by step.32 - .000 a month.

his ambition and self-confidence become paralyzed. Most men who develop the habit of debt will not be so fortunate as to come to their senses in time to save themselves. because debt is something like quicksand in that it has a tendency to draw its victim deeper and deeper into the mire. The first class of debts is the one to be avoided.33 - . The man who becomes hopelessly in debt is seized with this poverty fear.walls of FEAR and doubt from which he never escapes. The Fear of Poverty is one of the most destructive of the six basic fears described in Lesson Three. providing the one incurring the debts uses judgment and does not go . No sacrifice is too great to avoid the misery of debt! "Think of what you owe yourself and those who are dependent upon you and resolve to be no man's debtor. and these are so different in nature that they deserve to be here described. There are debts incurred for luxuries which become a dead loss. 2." is the advice of one very successful man whose early chances were destroyed by debt. This man came to himself soon enough to throw off the habit of buying that which he did not need and eventually worked his way out of slavery. as follows: 1. The second class may be indulged in. There are two classes of debts. There are debts incurred in the course of professional or business trading which represent service or merchandise that can be converted back into assets. and he sinks gradually into oblivion.

they lose all ambition to extricate themselves from.34 - . Practically all people who live beyond their means are tempted to speculate with the hope that they may recoup. knowing that death might overtake them any moment. destructive state of . such achievement is but a remote possibility. which paralyzes their reason. and they then find themselves unable to restore their lost fortunes. During the war millions of men faced the frontline trenches without flinching. The moment one buys beyond his limitations he enters the realm of speculation. The wheel generally stops at the wrong place and.beyond the bounds of reasonable limitation. at a single turn of the wheel of fortune. and. so to speak. such people as indulge in speculation are bound more closely as slaves of debt. and speculation swallows more of its victims than it enriches. Those same men. often cringe and out of sheer desperation. when facing the Fear of Poverty. what is still more sad. far from finding themselves out of debt. The person who is free from debt may whip poverty and achieve outstanding financial success. The slavery of debt causes more suicides every year than all other causes combined. if he is bound by debt. Hardly a day passes that one may not see an account in the newspapers of at least one suicide as the result of worry over debts. their entire indebtedness. and never a probability. The Fear of Poverty breaks down the will-power of its victims. which is a slight indication of the cruelty of the poverty fear. but. the slavery of debt. Fear of Poverty is a negative. sometimes commit suicide.

Debt had claimed another victim. the Fear of Poverty may attract the fear of Ill Health. One cold night he went to the top of one of the tall buildings on Broadway and jumped off. He secured another position. . so that the victim finds himself poverty-stricken. Creditors have a way of tracing debtors. one negative state of mind has a tendency to attract other similar states of mind. nameless graves have been filled by this cruel state of mind known as the Fear of Poverty! Less than a dozen years ago a young man held a responsible position with the City National Bank. where he hoped to escape them until he had accumulated enough money to pay off his indebtedness. of New York City. Moreover.mind. and these two may attract the Fear of Old Age.35 - . so very soon they were close on the heels of this young man. whose employer found out about his indebtedness and dismissed him from his position. For example. Through living beyond his income he contracted a large amount of debts which caused him to worry until this destructive habit began to show up in his work and he was dismissed from the bank's service. He then searched in vain for employment for two months. at less money. Millions of untimely. but his creditors embarrassed him so that he decided to resign and go away into another city. in ill health and actually growing old long before the time when he should begin to show the signs of old age.

36 - . what great achievement has he to his credit that entitles him to use the word freely? "impossible" so .WHO told you it couldn't be done? and.

.HOW TO MASTER THE FEAR OF POVERTY To whip the Fear of Poverty one must take two very definite steps.37 - . Adopt. as such habits have a tendency to reappear unless the place they formerly occupied in the mind is filled by some other habit of a different nature. Throughout this course many psychological formulas. Very soon this habit will begin to lay hold of your mind and you will actually get joy out of saving. as a part of your Definite Chief Aim. You will find such a formula in Lesson Three. the habit of saving a regular proportion of your income. which the student has been requested to memorize and practice. Any habit may be discontinued by building in its place some other and more desirable habit. and this hole must be filled up with some other form of habit or the old one will return and claim its place. providing one is in debt. even if this be no more than a penny a day. quit the habit of buying on credit. Being free from the worry of indebtedness you are ready to revamp the habits of your mind and redirect your course toward prosperity. the object of which is to develop Self-confidence. Merely to discontinue an undesirable habit is not enough. First. The "spending" habit must be replaced by the "saving" habit by all who attain financial independence. have been described. The discontinuance of a habit leaves a "hole" in the mind. and follow this by gradually paying off the debts that you have already incurred.

of materialism a man is no more than so many grains of sand. if you will follow the instructions for their use which accompany each of them. money does represent an important factor in success. cruel. The accumulation of money is not difficult after you have once mastered the Fear of Poverty and developed in its place the Habit of Saving. There is no escape from the fact that people will weigh you very largely in the light of bank balances. the training he has had or the native genius with which he was gifted by nature. skeleton-like honor. The cold. However. relentless truth is that in this age. The man without money is at the mercy of the man who has it! And this goes. happy and prosperous. It is assumed that you are striving to attain financial independence. through the Law of Habit. unless he is entrenched behind the power of money! Genius may offer many rewards to those who possess it. and it must be given its proper value in any philosophy intended to help people in becoming useful.38 - . but the fact still remains that genius without money with which to give it expression is but an empty.These formulas may be assimilated so they become a part of your mental machinery. The author of this course would be greatly disappointed to know that any student of the course got the impression from anything in this or any of the other: lessons that Success is measured by dollars alone. . regardless of the amount of ability he may possess. which may be blown helter-skelter by every^ stray wind of circumstance.

or their power to control money. woe be his lot. quite early in life. and he shows plainly the signs of impoverished finances. his clothes are not pressed. had Mr. when they meet a stranger. long years ago. Ford not conserved his resources and hedged himself behind their power he would have been "swallowed up" by his competitors or those who covetously desired to take his business away from him. But if his shoes are run down at the heels. We all have a touch of it. Henry Ford never would have got to first base with his "horseless carriage" had he not developed. whether we recognize the fact or not. in the minds of most people. The first question that arises. yet it is no misstatement of facts to say that he would have remained a practically unknown. All sorts of attention are lavished upon him. his collar is dirty. and as such is entitled to the best of the land. the habit of saving. Thomas A. Moreover. Edison is one of the best known and most respected inventors in the world.THEY ARE TRUE! This tendency to judge people by the money they have. is not confined to any one class of people. is. long. obscure personage had he not followed the habit of conserving his resources and shown his ability to save money. These are not pretty statements.39 - . He is a prince. Many a man has gone a very long way toward .no matter who you are or what you can do. for the passing crowd will step on his toes and blow the smoke of disrespect in his face. but they have one virtue . "How much money has he?" If he has money he is welcomed into homes and business opportunities are thrown his way.

The nickels. Without a savings fund the individual suffers in two ways: first. dimes and pennies which the average person allows to slip through his fingers would. only to stumble and fall. The mortality rate in business each year. that the individual suffers in still a third respect by not developing the Habit of Saving. never again to rise. by embarrassment due to some unexpected emergency calling for cash.success. To this one cause are due more of the business failures than to all other causes combined! Reserve Funds are essential in the successful operation of business! Likewise. also. is stupendous. because of lack of money in times of emergency. second. through lack of certain other qualities essential for success which grow out of the practice of the Habit of Saving. and. by inability to seize opportunities that come only to the person with some ready cash. eventually bring financial independence.40 - . if systematically saved and properly put to work. It might be said. due to lack of reserve capital for emergencies. . Savings Accounts are essential to success on the part of individuals.

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