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McCrary Group)。 Today the company has almost fivethousand happy clients; who are well on their way tofinancial independence。 The McCrary Group makes all ofits clients very aware of an interesting financial fact;
which I would like to share with you at this time。 

This fact is; people fall into three distinct categorieswith respect to 〃finances〃: 

1。 Deficit position (in debt); 
2。 Break…even position (just 
getting by; but debt…free); 
3。 Surplus position。 


It would be very easy to 〃trick〃 oneself intobelieving; that if one were in category one or two; all onemust do is earn more money; and then one wouldautomatically graduate into the third category。 But ofcourse; this is not necessarily true。 For if a person is in adeficit financial position; it means they are in the 〃habit〃
of spending more money than they earn。 Similarly; if theyare in a break…even position; they are in the habit ofspending everything they earn。 Since we are all〃creatures of habit;〃 it follows that earning more moneywould not necessarily change our overall financialposition。 It is vitally important; that when you decide〃how much is enough;〃 you also design a new financialplan or have one designed for you which will force you todiscipline yourself…at least for a month or two…until youform the new habit of living by that new plan。 

The next chapter; 〃The Image Maker;〃 will help youto understand how and why you must begin to seeyourself already earning that new figure。 But for the timebeing; just bear in mind that as your income increases;
the ten percent you are saving increases and the twentypercent that is going into your DCA increases; whichmeans that you will be able to retire your debts faster。
Furthermore; you will then be left with 90% of your




income on which to live。 (I can see you getting excitedabout this idea already!) 

 



 


The Image…Maker 

The ideas contained in this chapter could very well be the 
breakthrough for you; because Image…Making; once we get a 
firm grip on it; is a truly dynamic idea。 

I was speaking in Ohio a number of years ago; to a large 
group of business people; when an elderly gentleman in the 
audience suddenly stopped me as I was explaining the Image…
Making concept。 He stood up and informed the audience that 
he was sixty…five years of age; before he understood this idea。 
He mentioned that he had read about it; thought about it; and 
even talked about it; but he never really understood it until he 
was sixty…five years old。 

I want to suggest; right at this moment; that you read 
this chapter over a few times; because most people live and die 
and never fully understand the power of Image…Making。 
Understand that we are relating this idea to 〃money〃 in this 
book; but I want you to know that once you fully understand 
the Image…Making concept; you can effectively use it for 
whatever good you desire。 

I am not able to tell you the exact date on which I myself 
gained an understanding of Image…Making; but I can tell you it 
has had as great an impact on my life as any idea I have ever 
learned。 

The knowledge of Image…Making eliminates competition 
from your life; by moving you from the competitive plane to the 
creative plane。 You will soon understand therefore; that in 
truth; the only competition you will ever have is with your own 
ignorance。 

This idea truly excites me。 To be more accurate; I should 
probably say sharing this idea with you excites me; because I 
know how it can improve every aspect of your life。 I honestly 
love watching people grow or unfold as new ideas register in 
their consciousness。 


But before I delve into this idea; please understand that 
everyone is using the Image…Making concept and everyone 
always has。 In fact; everything that has ever come into your 
life has come as a direct result of the Image…Making process。 
Therefore; if you will only become aware of the results which 
you have obtained; you will realize you have already employed 
this great mental tool。 Just take a look at the results most 
people obtain。 Generally speaking; you could say it is quite 
obvious that when they make use of their Image…Making 
ability; they almost always use it the wrong way。 

You Are An Image…Maker 

Most religions teach that God is responsible for 
everything made in this world and I would fully subscribe to 
this proposition。 However; as co…creators; human beings must 
bear responsibility for WHAT God makes in their lives。 

The Minister And The Farmer 

A story I once heard illustrates this point exceedingly 
well。 Many years ago; a minister was driving along a remote 
country road; when he happened upon a very beautiful farm。 
The farm was kept in absolutely magnificent condition。 The 
fences were well cared for; the crops were a radiant green and 
although the house was set back some distance from the road; 
it was abundantly clear that it had a clean; fresh coat of white 
paint on it。 Well…cultivated flower beds encircled the house 
and stretched all along both sides of the long; wide driveway; 
leading to it from the road。 In a neat row along both sides of 
the drive as well; were straight lines of tall green poplar trees 
reaching up to a picturesque pale blue sky。 The lawns 
surrounding the house were a deep rich green; and as well 
manicured as any putting green ever was。 Indeed; the entire 
picture would have fit well on a post card; since it was 
absolutely breathtaking in its splendor。 

Then the minister looked off to his right; to the other side 
of the road。 Here the fields were ploughed; the earth was the 
deepest black the minister had ever seen and he was amazed 


at how the furrows had been plowed in such a way that they 
stretched out in rows 〃as straight as clothes lines。〃 Far off in 
the distance; the minister could see the farmer sitting up on 
his tractor; with a straw hat on the back of his head and clad 
in an old; light blue pair of overalls。 It appeared that the 
farmer was moving toward the road as he was plowing。 Since 
the minister was in no particular hurry; he pulled his car over 
to the side of the road; got out of it; and walked toward the 
fence。 When he reached it; he just stood still; enjoying the 
light breeze; the warm sunlight and admiring the beauty of the 
farm and the farmer's ability to plough such straight furrows。 

As the farmer worked his way toward the road; he 
noticed the minister leaning against the fence。 So he brought 
the tractor to a halt; climbed down from it; and slowly started 
to walk in the minister's direction。 As the farmer got closer the 
minister smiled; raised his arm; and waved saying; 〃My good 
man; God has certainly blessed you with a beautiful farm。〃 

The farmer stopped; pulled out an old red and white 
polka…dot handkerchief from his pocket with his big; scarred 
and calloused hands。 He raised his arm and wiped the sweat 
from his sun…scorched brow; still not saying a word。 Then he 
reached up with his other hand; and gently took from his 
mouth the long piece of straw that had been bouncing and 
waving as he walked。 

He stood in silence for a moment; looking at the minister; 
and then he spoke。 With a slow; steady voice be replied; 〃Yes 
Reverend; you're right。 God has blessed me with a beautiful 
farm; but I just wish you could have seen it when he had it all 
to himself!〃 

Understand that 〃images〃 are mental pictures that are 
made from thoughts; and the magnificence of the mind lies in 
the fact that it can 〃think。〃 That is to say; it can tap into 
thought and create whatever image it chooses。 

Now play with your mind for a few minutes and become 
aware of how you can flash one picture or image after another 


on the screen of your mind。 It is almost as if you were sitting 
inside your body at a great theatre; and you are the writer; 
producer and director of this movie you are watching。 

In a wonderful book I read a number of years ago titled 
The Science of Getting Rich; the author; Wallace D。 Wattles; 
referred to 〃This thinking stuff that permeates; penetrates; and 
fills the interspaces of the cosmos。〃 It's true that thoughts are 
everywhere and we can tap into this thinking stuff with our 
mind and form any image we choose。 

Now become aware of this truth。 Everything we do is 
preceded by an image。 We think first in order to form an 
image; then we do the work。 

Building The First Chair 

Consider for a moment how the first 〃chair〃 was built。 We 
did not always have chairs; you know。 I suppose many years 
ago when we first started to become civilized; someone became 
tired of sitting on the ground。 Whoever this person was; he 
probably started to think; and began to see a picture in his 
mind。 He probably saw himself sitting on a 〃thing〃 with his 
legs hanging down and his back leaning against something。 
This picture or idea appealed to him; because he imagined 
that it would be a more comfortable position in which to sit; 
certainly much more comfortable than sitting on the ground 
with his knees shoved up under his chin! 

Since this picture appealed to the person; the person 
thought of it often; until

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