Shows how permanently improved financial circumstances arise naturally from changing how people treat themselves and others and from acquiring practical money skills. This takes new muscles that must be developed gradually, just as getting in shape physically requires steady body conditioning. To assist, each of the book's nine exercises concludes with a series of actions to help readers build the stamina necessary for achieving lasting wealth. Among them are hands-on instructions for keeping close track of spending, recording progress in a prosperity journal, and examining entrenched behaviors established in childhood. Success, while not immediate, is almost guaranteed.