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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