In our book "think and grow rich" by napoleon hill it talks about financial circumstances that may positively benefit you or hurt you. He has six steps to grow rich. first find the exact amount of money you desire. second find out how to make the money because there is no such thing as something for nothing. third set a date when you will have the money. fourth create a plan within reason. fifth write it out on paper and hold your self to it. Finally read this aloud twice a day to remind yourself of it and do it.