in many situationsand yours may be one ofthema person can bee wealthy； even if he or shenever earns any more money than they are earningcurrently。 That thought alone should give you theencouragement you need to continue reading。
By now you should have pleted your list andarrived at a figure； so take pen to paper and write thatnumber down in big bold figures。 Now； clear your mindof that idea and move on with me to another veryimportant idea。 Realize that although this idea might notapply specifically to youat least at the present timeitcertainly will apply to many readers。 Moreover； even if itdoes not apply to your particular situation； it is worththinking through anyway； because you certainly havemany friends and associates it does apply to and you willbe able to share it with them。
I am going to explain this idea to you as if you werea married person with a family to support and you areeither the sole breadwinner or an important contributor。
Now one of the principal reasons for wanting theamount of money you desire is to provide for your family；
and not just in an adequate manner。 After all； you wantthem to live life to its fullest。 Realize； therefore； that aslong as you live and are able to follow the plan outlinedin this book； you will be able to do as you want withrespect to your family。 However； if you really stop andthink about it； you will very likely agree that you wouldwant your family to live 〃the good life；〃 even if you weresuddenly removed from the picturewouldn't you？
Jokingly you might say； 〃No； who cares if I'm gone。〃 Butthis is not a joking matter。 This is a very serious matter。
Of course you careI know it and so do you！
Now； if you're alive and healthy； you will create thiswealth for your estate。 But what if you die or arepermanently disabled？ Well； our society has taken careof that situation as well； we have 〃Life Insurance〃 and wehave 〃Disability Insurance。〃
But； let's get back to your thinking againyou mightbe saying to yourself； 〃Life insurance； what a ripoff。 Thisguy Bob Proctor really doesn't know where he is ingfrom。〃 Well； let me tell you； that when it es to lifeinsurance； I believe I can claim to be an authority ofsortsfor I have conducted seminars for the insuranceindustry for almost ten years； and I have had close to50；000 people from that industry 〃go through〃 myseminars。 Therefore； I can assure you； that when I sayapproximately 95％ of the people whom you talk to arealmost pletely ignorant when it es to the subjectof insurance； I am not 〃talking through my hat。〃
Granted； many of these people hold important positionsin business and industry； in government； or in theprofessions； and because of their positions； it would bevery easy to just assume they know 〃of whence theyspeak。〃 But the sad fact of the matter is； many of themare either badly misinformed or pletely uninformedwhen it es to the important subject of life insurance。
Understand this there is no way to replace yourine and create a certain and instant estate otherthan life insurance； and statistics indicate that althoughmost people are insured； the vast majority of people （atleast 90％）； are dangerously underinsured。 That is tosay； when they die； most people leave behind onlyenough money to pay for their funeral and possiblyenough money to cover their family's living expenses forone year！ The unfortunate part is； that for a relativelysmall sum of money； these people could have had theirfinancial affairs set up in such a way that if something
did happen to them； their financial goals would bereached by their families automatically。
Since this book is designed to help you reach asubstantial； financial goal； I felt dutybound to includethe information on life insurance。 The book could not beplete without it。
（Keep in mind there are only two ways to earnmoney： people at work； or money at work。）
You will be happy to know the remainder of thisbook is designed for the person who is going to LIVE。
Bloom Where You Are PlantedStart Now！
When do you start to live this good life？ Is that thequestion you are beginning to ask yourself？ You startnow。
Start by answering the following questions：
How often do you pay your phone bill？
How often do you pay your rent or mortgage？
How often do you pay your grocery store？
How often do you pay for gas for your car？
How often do you pay your doctor？
How often do you pay yourself？
That last question seems like a strange one； doesn'tit？ But do you realize that less than 5 people in every100 ever pay themselves。 And； if you were to ask theother 95 why they don't； they would probably tell youthat by the time they pay everyone else； there is nothingleft for themselves！
Clearly； those 4 or 5 people in every 100 who do〃pay themselves；〃 have found a way around this problem。
Although the idea which they are employing has beenaround for centuries； hardly anyone today is aware of it。
What is that idea； you ask？ Simply put it is this：
〃They pay themselves FIRST！〃
（This is better known as the Babylonian law offinancial success。）
A Part Of All You Earn Is Yours To Keep
If you think about it； you must admit this 〃law；〃 orprinciple； makes a lot of good sense。 Therefore； let merepeat it 〃A part of all you earn is yours to keep！〃 Morespecifically； what you earn Monday morning is yours tokeep； so it should go directly into a special account thatyou do not have easy access to。
Your Financial Independence Account
What you earn on Monday morning probablyrepresents ten percent of your ine。 Therefore； youshould pay yourself at least that ten percent； right off thetop （i。e。 not after everyone else has been paid）。
From your 〃Financial Independence Account；〃 youfirst pay your insurance premium； because thatinstrument creates your 〃Instant Estate。〃 The remainderof the money then goes into savings； until such time asyou have accumulated enough capital to make a wiseinvestment。 Remember； you do not 〃touch〃 this accountor the interest it will yield。 Therefore； within a very shortperiod of time； you will witness sufficient progress to gainthe motivation and inspiration which you need tocontinue。 Moreover； the knowledge that you have an〃Instant Estate；〃 if anything should happen to you； willgive you additional serenity of mind。
Orderly Debt Repayment Program
You could already have debts that seem to be eatingup your entire paycheck； leaving nothing for yourself。
But understand thisthese debts can be retired。
（Although the amount of debt you have incurred will； ofcourse； determine the length of time it will take you toclear the slate。） And； for the purposes of the followingdiscussion； you must consider your mortgage or housepayment （probably one of your largest monthlypayments）； as an investment； NOT a debt。
Debt Clearance Account
Whatever money you earn Monday afternoon andTuesday morning； should go directly into your DebtClearance Account。 This represents twenty percent ofyour ine。 You should also sit down and draft a letterwhich you will send to all of your creditors； advisingthem of your plan。
However； before you mail the letter； you should firstdraw up a list of your creditors to determine whatproportion of this twenty percent each of them wouldreceive。 It could conceivably be more money than theyare presently receiving； or it could be less； but whicheverway it works out； that will be the sum of money they willeach receive。 Nevertheless； whatever sum they do receive；
they will receive it regularly； on the stipulated dates。
The following is a sample letter you could use as aguide in drafting your own letter：
Dear Whomever：
As you know； I am in debt to you for
________； and I intend to pay you in full； plus
interest。 In order to achieve this goal； I have
been devising a plan during the past few days
to put myself in a stable financial position。 To
this end； I have opened a 〃Debt Clearance
Account〃 （DCA）； and twenty percent of my
ine is going directly into that account。
That will enable me to have sufficient
resources to live on； without worry or stress；
and it will prevent me from falling further into
debt。
Each week （or month） you will receive a
check for _____ from my 〃DCA；〃 until my
account with you is clear。 I am aware that this
is not the figure I had previously agreed to pay
you； but I'm sure you will be understanding；
and appreciate what I am doing。
If you have any questions； please feel free
to contact me。 I am quite excited about my
new plans and if you would like to have me
review them with you so that you might help
others who are in your debt； I would be
pleased to do so。 Thank you in advance for
your kind cooperation。
Have a wonderful day！
Sincerely
John Doe
Understand that your letter to your creditor is astatement of fact and not a requestit is you who is incharge of your finances； not your creditors！
Be sure to have your letters neatly typed andenclose your first new payment with your covering letter。
Realize there is an 〃outside chance〃 that someunreasonable person will not want to cooperate with you。
They might even go so far as to phone you and attemptto intimidate you with threats of taking you to court； etc。
But please hold your ground； because there is no courtin the country that would not congratulate you； whenyou explained your entire plan for FinancialIndependence。 Moreover； you will find that 95％ of the
people； to whom you write； will be most cooperative。
Now give yourself a good 〃pat on the back；〃 becauseas of this moment； you are well on your way to starting apletely new way of life！
Let's briefly review what you have acplishedthus far：
1。 You have an instant estate if
anything should happen to you。
2。 You have a savings account。
3。 You are paying yourself。
4。 You have an orderly debt
repayment program。
5。 You have 70％ of your ine
to live on； to run the house and for
entertainment。
6。 Your mind is clear to carry on
with the big ideas ing your way in the
remainder of this book。
From this moment on； never think 〃debt〃 again。
Remember； that has all been taken care ofso just focuson your savings account； and watch it grow。 RepeatI