Secrets About Creating Wealth

Eight Little-Known Secrets About Creating Wealth—
And How They Practically Guarantee Your Success
Creating Raging Rivers of Profits
You’ve read the Passion Test. By now you know your top five passions and you’ve
gotten a great deal of clarity about what those mean to you.
The next question we are most often asked is, “How do I support myself living my
passions? How do I create income following my dreams?”
The first, most important point to know is that you already have all the knowledge, all the
skills, everything you need, inside of you, to achieve anything you choose to create in
your life. The only reason you might think this is not true is because you have been
conditioned to believe you are less than you really are.
You have the ability to draw to you, all the people, the places, the situations that will
allow you to fulfill whatever dreams you hold in your heart. Those dreams are there for a
reason. They are born of your passions. Healthy Wealthy nWise provides a fabulous
course called The Science of Creating Your Dreams which will help you express those
dreams so you can manifest them (www.scienceofcreatingyourdreams.com).
This report is about how to turn those dreams into realities—how to manifest them in
your world. As you read in The Passion Test, everything is created twice, once in the
mind and then again in the material world.
If you know everything you need to know, then the critical question is: “How do I tap
into that knowledge to create an abundant, fulfilled life? How do I access that wisdom
within myself to be able to manifest anything I choose to have?”
Commitment—The Key to Accessing Your Inner Wisdom
Almost all of us have been raised in an environment, a culture, a society in which we are
taught we have to be certain ways. We have to speak certain ways. We have to do things
in a certain way. Otherwise, we won’t have a successful, happy life.
Yet these lessons have been taught by people who themselves are often not fulfilled.
They pass on the failed concepts of their past, and guess what? They don’t work any
better now than they did for those who taught them to us.
These false beliefs, these false concepts, these false ideas have driven our life. We’ve
been told to “be realistic,” that we need to “get a job,” we need to “be responsible.”
While there is much to be said for being responsible or having a job, if we are denying
the stirrings of our heart in the process, then we will find ourselves miserable. In this state
the truth of who we are, the knowledge and wisdom which lies within us will lie
untapped.
So, how do we begin to access our inner wisdom? You already have. When you
identified the things which are most important to you in your life, the passions which
light that fire inside of you, then you began to go down that road to fulfilling your
dreams. Choosing consistently in favor of your passions is the first step in accessing your
inner wisdom, to living the life you were put here to live.
Your passions are your guiding light to allow you to live your purpose. When you live
your purpose, then you are aligned with God’s will for you. When you live that purpose
with a full and open heart, then the wealth, the people, all of the things required for you
to fulfill that purpose come to you automatically, sometimes in inexplicable ways.
There is a great quote by the Himalayan adventurer, W.H. Murray, you will do well to
memorize.
“Until one is committed, there is hesitancy, the chance to draw back, always
ineffectiveness. Concerning all acts of initiative and creation, there is one elementary
truth, the ignorance of which kills countless ideas and splendid plans. That the moment
one definitely commits oneself, then Providence moves too. All sorts of things occur to
help one that would never otherwise have occurred. A whole stream of events issues from
the decision, raising in one’s favor all manner of unforeseen incidents and meetings and
material assistance, which no man could have dreamt would have come his way. I have
learned a deep respect for one of Goethe’s couplets: “Whatever you can do, or dream you
can, begin it. Boldness has genius, power and magic in it.”
- W. H. Murray, The Scottish Himalayan Expedition, 1951
As you read in The Passion Test, this is the first and most important prerequisite for
creating whatever you choose to create in your life—commitment. It is commitment that
has allowed any great person, any wealthy person, any person who is truly successful in
their life, to achieve whatever they have achieved.
No matter what you do, there will always be challenges. There will always be
opportunities to give up. That’s why the first place to start in creating the life of your
dreams is to go deep into your heart and ask yourself, “Am I truly committed?”
The Eight Principles of Enlightened Wealth
Once you are committed, there are eight principles for creating Enlightened Wealth. They
are:
1. Know Yourself – “Curving back on myself, I create again and again.” All acts of
creation begin within.
2. Giving – “When people come together with the intention of giving maximum,
each receives maximum.”
3. Dreams – Dreams provide the why for every what.
4. Mentors – If you’re going to cross a mine field, it’s best to follow someone who’s
been through it before.
5. Teams – “Together everyone achieves miracles.”
6. Alliances – “The whole is more than the sum of the parts.”
7. Systems, Skills and Tools – Save yourself time energy and money
8. Freedom from the Money Game
We’ll introduce each of these principles in this report. In Healthy Wealthy nWise’s
program, The Science of Creating Your Dreams, we go deeply into each one and walk
you through them with exercises to allow you to apply them fully in your own life.
The power of these principles is in the leverage they provide. Leverage is the ability to do
less and accomplish more, to do least and accomplish most, and ultimately, to do nothing
and accomplish everything.
Think of a lever. A lever is made up of three parts: 1) an object to be moved (i.e. a goal to
be accomplished); 2) the lever itself, i.e. a long bar or rod upon which pressure is exerted
to move the object; and 3) a fulcrum on which the lever sits. When the object to be
moved is placed on one end of the lever, the fulcrum is placed closer to that object so that
a small amount of pressure on the end of the lever is all that’s needed to lift the object,
i.e. to achieve the goal.
The secret of creating raging rivers of profits in your life is the secret of applying the
principle of leverage in intelligent ways which allow you to obtain maximum results with
minimum efforts. When you learn to apply the following eight principles to leverage the
impact of any action you take, you will find there are no limits to what you can create in
your life.
When you have fully mastered the eighth principle, Freedom from the Money Game, you
will discover that you can do virtually anything with little or no effort.
Know Yourself
You’ve begun this process. That is what the Passion Test is all about. Knowing yourself
means gaining the ability to move past the beliefs, ideas and concepts which you’ve been
trained and taught all your life, but which hide your own true nature from you.
Success in any area of life is built on the ability to be authentic, the ability to be real, the
ability to express your true self. That takes practice. There are all sorts of inputs from our
environment constantly asking us, suggesting to us, encouraging us to be and act in ways
which are acceptable to others. We may even be threatened if we express those deepest
impulses of our own hearts.
Knowing yourself, getting aligned with those things which stir your soul is the key to
living your purpose. When you live your purpose, when you are aligned with your
purpose, then everything you choose to have in your life will begin to unfold.
Giving
Some people say, “Don’t you begin giving once you’ve achieved success? Once you have
wealth, then you can give. Isn’t that true?”
No. It’s not true. If you want to create raging rivers of profits flowing into your life,
doing what you love and making lots and lots of money at the same time, living a life of
true abundance, that will only come from the value you give. The greatest and truest
value YOU can provide, comes from alignment with your passions, with those things
which are most deeply important and meaningful to you.
When you are aligned with that, then you share your joy, your skills, your knowledge,
your talents with others, and you do it in a way which allows them to connect with and
fulfill what is most important to them, then you will find that wealth flows to you, that
those raging rivers of profits flow to you, in quantities beyond anything you could have
imagined.
Wealth is the result of providing value. Value is a function of understanding what is

important to others, to those you choose to serve. Wealth and profits, flow out of service.
They flow out of the ability to provide others with something which is important to them,
something they need or want.
The more important the thing you provide is to those you choose to serve, the more
deeply what you provide connects with what is deeply important to them, the greater the
profits, the greater the wealth that flows to you, and the greater the fulfillment you’ll
experience.
This principle of giving is one of the greatest secrets of a successful, fulfilled life. It’s not
about giving money, although there’s nothing wrong with that. Once you have all the
money you need, for yourself and your family, it’s natural to want to share it with others.
But giving begins now, not in some hazy future. It begins with giving what you have to
give, whatever that may be. One of our favorite quotes comes from His Holiness
Maharishi Mahesh Yogi:
“When people come together with the intention of giving maximum, each receives
maximum.”
From the first principle, knowing yourself, which means knowing what you have to give,
the second principle is to give value. Not in the way you think it should be given, but in
the way those you choose to serve are open to receive it. This requires the ability to
understand others. To understand what is important to others.
Dreams
Those dreams which live in your heart, which inspire you and excite you are there for a
reason. They are there to draw you onward to fulfill your purpose in life. They are there
to give you the inspiration and motivation to perform action.
Success is born of achievement, which in turn results from action, which has its
beginning in the world of thought which is born from knowing, from knowing your self.
The world of thought is the world of dreams. This world of mind is the world of dreams.
From that world of thought, that world of dreams, the next step on the path of fulfillment
is action. Taking action we begin the process of manifesting our dreams in the world.
It’s not necessary to know what action you need to perform. Even if the action you take is
wrong, you will receive feedback, guidance, both from within and from outside. When
you pay attention to this feedback, it will move you in the direction of realizing your
dreams.
The key is to be alert, to be conscious of that feedback. In our ebook, From Sad to Glad –
7 Steps to Facing Change with Love and Power (www.stayinginlove.com), we talk about
expansion and contraction.
Expansion and contraction are the clues, the messages you receive from inside and
outside constantly, letting you know if you are moving in the direction of your
fulfillment. Expansion is the green light, telling you it is time to pull out all the stops and
move forward along the current path of action with vigor. Contraction is the red light
telling you to stop, take stock, reflect, and go within to see what adjustments need to be
made to the path of action to return to expansion.
You know what expansion feels like. What are some words which describe what it feels
like to be expanded? Love, fullness, connectedness, excitement, being turned on,
happiness, joy, generosity, thoughtfulness, compassion, openness—all describe this
feeling of expansion.
On the other side, we’ve all had the experience of feeling contracted. What are some
words which describe the way you feel when you’re contracted? Shut down, lonely,
disconnected, unhappy, anxious, tense, irritable, worried, angry, depressed, small,
limited—none of us much likes the feelings associated with contraction.
It’s natural to want to feel expanded, and to want to avoid feeling contracted. Yet that is
true only because we have resisted contraction in the past. When we resist the feelings of
contraction, then we perpetuate them. We’ve heard that saying: What we resist persists.
The more we perpetuate contraction, the more pain and suffering we experience. The key
to the end of contraction is to let go, to allow ourselves to feel it completely. When we do
that we discover that the contraction has, at its basis, the experience of fullness.
The reality is that expansion and contraction are not good or bad any more than day and
night are good or bad. We don’t say, “Oh, it’s day, this is good,” and then, “It’s night,
that is bad.” We understand that day and night are just different phases of life. They are
the waves of life. They are natural movements of life.
In the same way, expansion and contraction are not good and bad. They are simply the
phases of life. Expansion is a signal or sign to us that this is a time to move forward with
our action. To move forward with strength and power, because at those times we feel
naturally motivated.
When we feel contracted this is a signal or sign from Nature, from the Universe, from
God, that it’s time stop, reflect, to go more deeply into ourselves. It’s the time to
understand more completely who we are, because there is something about the action
we’re in the midst of which is not aligned with our purpose, which is not aligned with
God’s will for us. It is our opportunity to look and see what is missing. Where is that
spark of inspiration which is missing.
And as we do that, as we go deep within, as we examine ourselves, what is really going

on inside of us, and as we get feedback from others, then at some point we will begin to
feel expanded again. We’ll notice there is something that begins to feel good to us again.
That’s the green light. It’s time to spring into action again. It’s time to move forward.
This internal navigation system is our GPS, our Global Positioning System, which is
guiding us to the fulfillment of our dreams. All we have to do is listen to it.
You’ll remember our discussion of Intention-Attention-No Tension from The Passion

Test. Intention is the first step in creating your dreams. The Science of Creating Your
Dreams course is a great place to start for clarifying those intentions, those dreams so
they no longer exist only in the mind, but begin to show up in your world
(www.scienceofcreatingyourdreams.com).
Mentors
One of the ways we can get guidance and direction, and find our way along the path, is
by connecting with people who have been along a similar path before us. One of our
partners is fond of saying: “If you have to traverse a mine field, wouldn’t you prefer to
have guidance from someone who has been through that mine field before you?”
That is the role of a mentor. A mentor has been through the mine field before. They know
the pitfalls. They know the dangers. They know where to step and not to step.
Finding and associating with mentors who can guide you through the mine field that lies
along the path to your dreams is the fourth fundamental principle of creating enlightened
wealth.
How do you attract mentors to you?
We say “attract” mentors to you, because finding your mentor is not about running
around in the world, going hither and thither, looking for that person or those people who
can show you the way. It’s about attracting the perfect mentor to you. The key to creating
enlightened wealth is gaining the ability to attract all the people, all the places, all the
situations you need to fulfill your destiny.
There is an ancient text, called the Bhagavad Gita which was written thousands of years
ago. Within it is the knowledge of how to gain maximum from a teacher: “Through
devotion, repeated inquiry and service, the wise, who have experienced reality will teach
you knowledge.”
What does that mean when it comes to learning from a mentor? Devotion is a quality of
the heart. The first and most fundamental principle for gaining knowledge from a mentor
is to have an open heart and mind. To come to the mentor with the willingness to set
aside one’s own ego, one’s own ideas and follow the direction provided by the mentor.
“Repeated inquiry” is the requirement of understanding, to ask those questions you need
answered in order to understand and apply the knowledge the mentor provides.
The third principle is “service.” If you do not have great accomplishments, are not well
known, do not have a reputation, how can you possibly attract a mentor who has great
accomplishments? The most effective way is to help them fulfill their goals and their
dreams.
This principle is true of anyone. If you want to gain from someone, if you want to benefit
from your association with someone, particularly if you want the guidance and direction
from a mentor, then find out what is their most important current objective, and then find
a way to help them achieve that. When you become indispensable to them because you
provide them with such valuable service, then they will automatically and immediately be
looking to give you their knowledge and their wisdom because they want you to be
successful in helping them realize their objectives.
Teams
“Together Everyone Achieves Miracles.” It’s not possible for anyone to enjoy great
success, to attract huge wealth and create raging rivers of profits without the help of a
team.
A great team is made of people who share common values and have complimentary skills
and talents. In their book, Attracting Perfect Customers, Jan Brogniez (Stringer) and
Stacy Hall provide a powerful and effective process for attracting the perfect team
members. We use this process whenever we want to attract some important partner, and
we highly recommend it.
You will discover that a team made up of all the same kinds of people will have a hard
time getting much accomplished. Some people come up with great ideas, others are best
at putting together strategies and programs for implementing those ideas, still others are
skilled at identifying the pitfalls and potential challenges which need to be addressed, and
some people love the process of putting plans into action, attending to the details. All of
these qualities are necessary and essential to accomplish anything worth doing.
Your job is to get clear on who you are. What are your passions? What are your skills?
What are your talents? What do you love and what do you love doing? Only when you
know the answers to these questions can you attract a team which is capable of
supporting you in creating the life you deserve to live.
You know from the principle of a magnet that opposites attract. Your team will be made
up of individuals with complimentary skills and talents. The clearer you are about who
you are, the more powerful your ability to attract your ideal team.
Alliances
Alliances is about creating teams on a much larger scale. We have created an entire
program which goes deeply into the precise methods we have used in Enlightened
Alliances to create alliance relationships with people like Jack Canfield, Mark Victor
Hansen, Robert Allen, Jay Abraham, T. Harv Eker, and many others
(www.alliancesecrets.com).
Alliances are among the most powerful tools you can use to gain incredible leverage. If
leverage means to do less and accomplish more, alliances allow you to do the least and
accomplish the most. With the right alliance relationships you can reach anyone in the
world.
Alliances are built on the principle of finding those individuals and organizations who
can help you fulfill your dreams, achieve your objectives, and for whom you can provide
a valuable, or even critical means to help them realize their dreams or achieve their
objectives. An alliance is a relationship. Like any relationship there has to be mutual
benefit in order for it to be successful.
When you are investigating potential alliance partners, be sure to look beyond the purely
monetary benefits you may gain from the relationship. The difference between a joint
venture and an alliance is the difference between a short-term, purely business
relationship and a long term friendship and business relationship.
When you approach alliance relationships from this framework, you will find you can
make 10, 20, 50 or even 100 times the profits which are possible from just a joint venture.
Why? Because when you select alliance partners who become friends, as well as business
partners, you create a long term relationship which will provide multiple opportunities for
mutual benefit over the life of that friendship.
Creating an alliance first requires knowing yourself (have you heard this before?). It
requires knowing what is most important to you, what you choose to create in your life,
what you enjoy doing. With this knowledge, you are in a position to locate potential
partners who are able to leverage your ability to realize your dreams.
Having located them, the next step is identifying what is critical to your potential partner.
What are the key things they are trying to achieve? When you discover how to help a
partner achieve their goals, their objectives, then it will be simple, easy and effortless to
create a relationship which will in turn help you fulfill your goals and objectives.
Systems, Skills and Tools
This principle is about “How do I do what I choose to do?” Most people think the “how”
is the most important thing to master. The truth is the “how” is the least important. The
most important element of achieving success, as you have heard us say before, is clarity.
When you are clear on what you choose to create in your life, it will begin to show up,
and only to the extent you are clear.
At the same time, once you have that clarity, it’s important, valuable and necessary to
either gain the systems, skills and tools required to realize your dreams, or to align with
those who have them.
System stands for “Save Yourself Time, Energy and Money.” Michael Gerber, author of
The E-Myth, has created powerful programs to help entrepreneurs and business people
systematize their businesses.
The most effective way to apply the principle of systems, skills and tools is to find
someone who has already been incredibly successful doing what you want to do, then
learn the systems they have created to support their success. Study with them to master
the skills they have used, and acquire the tools they have used or created.
Our partner in creating the Enlightened Millionaire Program, Robert Allen, is a master at
creating systems. He has used this gift to help thousands learn how to effectively and
profitably create wealth through real estate, through stock market investments, through
internet marketing and through what he calls “infopreneuring,” which means marketing
information.
Bob’s first #1 NY Times bestselling book, Nothing Down, provided a simple, effective
system for investing in real estate which anyone could apply, even if they had no money
of their own to invest. Is it any wonder that this book sold more than a million copies?
There is an old saying, “Why reinvent the wheel?” Why indeed, at least until you have
used all the wheels already available. Once you have mastered your area, have created
raging rivers of profits, and exhausted the tools currently available, then you may choose
to use the freedom provided by your wealth to create wheels no one has ever thought of
before. But start by mastering those which have already proven effective. When you do,
you will save yourself an awful lot of time, energy and money.
Freedom From the Money Game
In the past we thought of this principle as creating and growing ongoing, passive streams
of income. “Passive” income means income you don’t have to spend your own time
earning. Examples of passive income streams include royalties from books, software,
music, videos, etc., stock dividends, interest income, license fees and the list goes on.
Passive streams of income are a great thing to have, along with residual income, which
means income for work you’ve done in the past.
However, these ideas are still rooted in the “money game.” One of our friends, partners
and colleagues, Bob Scheinfeld, has articulated the nature of the money game exquisitely.
More importantly he can show you how to “bust loose from the money game”
permanently.
We believe this is the most useful and valuable knowledge you may ever come across.
For this reason, we have provided the transcript of our Passion interview with Bob as part
of this report. Read it, absorb it and then read Bob’s book, Busting Loose From the
Money Game. You will also want to check out his guided tour of “Busting Loose from
the Money Game” at:
http://www.healthywealthynwise.com/moneygame
Success Breakthrough Expert
Bob Scheinfeld
Chris Attwood: I’m the Features Editor for Healthy

Wealthy nWise, and co-author with
Janet of the revised edition of The
Passion Test—The Effortless Path to
Discovering Your Destiny. For those of
you who are joining us for the first time,
twice a month we interview individuals
who have been extraordinarily
successful in discovering their
passions and giving their unique gifts
to the world.
Several months ago, in January, we interviewed Dr. Wayne

Dyer, from whom many of you, I’m sure, have purchased a
copy of his latest book, Inspiration, Your Ultimate Calling. On
that call, Wayne referred to an ancient sage from the Vedic
tradition in India who has provided this quote which I think is
particularly appropriate for our interview.
Maharishi Patanjali said: “When you are inspired by some

great purpose, some extraordinary project, all your thoughts
break their bonds. Your mind transcends limitations, your
consciousness expands in every direction and you find
yourself in a new, great and wonderful world. Dormant
forces, faculties and talents become alive, and you discover
yourself to be a greater person, by far, than you ever
dreamed yourself to be.”
Our guest, Bob Scheinfeld, the best-selling author of The

Invisible Path to Success and The 11th Element, is a man
who, in his daily life, is proving that the quote from Maharishi
Patanjali is really true. For more than 20 years, Bob
Scheinfeld has been helping people create extraordinary
results in less time, with less effort, and much more fun. His
passion is helping others carve out and live what he calls
“their ultimate lifestyle.”
Bob is the grandson of Aaron Scheinfeld, who founded

Manpower, Inc., the world’s largest temporary help service.
Manpower is currently number 176 on the Fortune 500 list
and has sales of over $11 billion a year. We’ll get Bob to tell
us a little bit of the story about the time he spent with his
grandfather as he was growing up.
©2006 Healthy Wealthy nWise, LLC
http://www.HealthyWealthynWise.com
Bob Scheinfeld
Along his journey, Bob became a millionaire and a self-

proclaimed “stressed-out maniac,” plunged more than
$153,000 into debt, and then spent seven years struggling
with Murphy, of Murphy’s Law fame, before he discovered
the missing pieces, rebuilt his business empire, became a
multi-millionaire, transforming the other aspects of his life
and beginning to live what he now calls “the ultimate
lifestyle.”
Bob’s journey of triumph over failure, confusion, anger and

desperation, qualifies him as an undisputed expert in the
arena of business success and personal fulfillment. Along
the way, he helped grow Blue Ocean Software from $1
million to $44 million in less than four years, resulting in the
company being named three times to Inc. magazine’s Inc.
500 list.
He also played a key role in growing the computer store

franchise company called Connecting Point of America, from
$90 million to $350 million in sales. In addition, the
marketing model and system Bob created has been used to
pack the room at Tony Robbins’ multimedia seminars.
Bob is also a founding member of Jack Canfield’s

Transformational Leadership Counsel, and he lives in
Virginia with his beautiful wife Cecily, and their two children.
Bob, it’s a pleasure to have you with us.
Bob Scheinfeld: It’s my pleasure to be here, Chris.
Chris Attwood: I am going to plunge right in and ask if you would begin by
telling us the story of what it was like to grow up with Aaron
Scheinfeld, and what you learned from him along the way?
Bob Scheinfeld: It’s a fascinating story and ties directly into the topic. I grew
up in this family with this gigantic, international success
story. My grandfather, beyond that, was just an amazing
man. He advised two Presidents, besides building this
gigantic company. He was an amazingly accomplished man,
period.
Growing up in this gigantic success story, there was a funny

Bob Scheinfeld
dynamic I noticed. There was this rumbling within the family

that there was something very unusual behind this gigantic
success story—there was some mystery. But nobody was
talking about it, or they didn’t know what it was; it was just
this undercurrent of mystery.
I don’t know how many people have kids who are constantly
asking the question “Why?” and driving them crazy, but
that’s the kind of kid I was. When I was 12 years old, and I
became very aware of this mystery, every time I had contact
with my grandfather, I was bugging him, “What’s this secret?
What’s this mystery? What’s this undercurrent that no one is
talking about, about your success?” He kept putting me off
and putting me off.
Then the extended family was on a trip to Switzerland, in a

small town called [Crans], to celebrate his 70th birthday. On
a Sunday, in the middle of that trip, he came up to me and
asked me if I wanted to go have a cup of hot chocolate with
him. You have to understand—even his family—people
didn’t have cups of hot chocolate with this guy on a Sunday
morning, but he invited me and I, of course, was honored
and flattered and said, “Of course.”
So we went to this little café in town and he said, “You’ve

been bugging me to find out what the big secret is. Now I’m
going to start telling you.” He proceeded to share with me a
concept which will sound very familiar to most people, but
the way he took it was very different, and the way I’ve taken
it in my life has been very different.
What he started to share with me on that morning is that

there was an invisible source of power that was available to
us and we could tap, and when you understood what that
invisible power really was, and you understood how to tap
into it, you could do amazing things. This goes way beyond
what is typically talked about in terms of the subconscious
mind, visualization and all the typical things that I think all of
us have heard about.
He told me that it was from this invisible source of power

from which he got the original idea for Manpower, he got the
assistance to build it, to blow through resistance they had
Bob Scheinfeld
when they were expanding it internationally, and he credited

it with all of his success in his life, in all aspects of his life,
not just business.
So the good news is, he started to mentor me in the specific

mindset and strategies he used for understanding this
invisible source of power, and being able to tap it on a daily
basis. The bad news, which is not really bad news, but you
could look at it that way, is that he died seven months later,
before he could finish teaching me.
He really whetted my whistle, so to speak, and got me going

and introduced me to this fascinating world—what does a
12-year-old know about invisible worlds, unseen power and
all this stuff? He had started to teach me enough that I had
something I could do, and he left a ton of clues. I literally
spent 20 years following the clues he left.
Obviously, I was 12 years old, I wasn’t trying to do this kind

of stuff full time when I was still a kid, and even in my teen
years, but once I left college and started to go out on my
own, I took everything that he had said quite seriously,
applied what he taught me and followed the clues he left—
sometimes desperately, sometimes just excitedly, trying to
assemble the complete system I believe he would have
taught me had he lived.
At the time, that was frustrating, but as I look back on it, it

was the biggest gift I could have given myself not to have
had the whole thing handed to me on a silver platter. As you
know, Chris, this is a big part of my work now, in terms of
enjoyment and joyfulness. Nobody enjoys anything as much
if it comes too easily as when they really work for it.
If somebody starts you on a path, you have to follow the

path and follow ups and downs, and I went through some
wild ones. With blood, sweat and tears, I assembled
tremendous breakthroughs in systems that I shared with
others, used myself, and continued to evolve them.
It’s like if somebody was an Olympic athlete and just

stepped on the court, the mat or the ice, had never
practiced, and just won the gold medal on pure, natural
Bob Scheinfeld
talent (this is not a perfect metaphor), it’s not as enjoyable or

as satisfying as if they trained for years, didn’t know if they
were going to make it, had ups and downs, and then
ultimately, won the gold medal.
It was a perfect creation to support me on my journey, to be

teased like that and left a bunch of clues, having to do all the
work myself. What that set into motion was twin passions.
One was a passion for understanding and mapping out the
invisible world and these sources of power that he
introduced me to, and the second passion was tying that in
to business.
Like him, I had a passion for starting and building

businesses, although I never had the interest in the
complexity of a company as big as he built. That started me
on a road, from a very young age, to “spiritual
entrepreneurship,” for lack of a better term.
“Spiritual” is the label to describe the invisible world for me.

Pretty much everything I have done in my adult life since
leaving college has been in pursuit of those twin passions,
with the invisible world being a much stronger one, but both
of them being strong.
Chris Attwood: Wonderful. Tell us how these passions led you into the
business realm. You mentioned that you went through some
ups and downs, and it was a journey. Would you share the
story of how that unfolded and what role your passions
played along the way? Bring us up to just before the work
you’re doing today.
Bob Scheinfeld: The work I’m doing today was the result of a series of
breakthroughs. I needed to go through a whole bunch of
things before I was ready, so to speak, to be able to have a
breakthrough like that. So to me, my whole life, everything
that has happened up until about two years ago, was
specifically designed to support me in having that
breakthrough, so that was job number one, the top priority.
Chris Attwood: Do you think that’s true for everyone? Do you think that what
people have been living through has prepared them for
what’s coming up?
Bob Scheinfeld
Bob Scheinfeld: Absolutely. I believe everybody comes into this life with a
mission and a purpose—there’s something specific—and it’s
not “one” thing; it’s a complex thing, but there’s something
specific that we all wanted to do or experience. In everything
I have taught, that is one of the things I have not deleted by
some of my recent breakthroughs.
Whatever your mission or purpose is, is the filter that

everything else goes through, and it’s the determining factor
of what’s going to happen or not happen in your life, no
mater what kind of results you try to produce. It’s like if you
remember the Star Trek series, they had a prime directive
that guided all of their activities.
Our mission and purpose is the prime directive in our life.

Everything that happens in our lives, as I see it, from
childhood—there’s even research coming out now that the
programming process, the conditioning process, even starts
when the babies are in the womb—from as early as you
want to say it starts, throughout your life, everything is part
of unfolding the mission and purpose you came here for.
Chris Attwood: One of the things Janet and I talk about is that your
passions, the things that are most deeply important to you in
you life, we feel are some of the clues to that mission or
purpose. Would you agree with that?
Bob Scheinfeld: Yes. One of the other things I’ve discovered is that you don’t
necessarily need to consciously know what your mission or
purpose is. In some cases, I think it hurts to know too much
too soon. A lot of people think they have to know what it is in
order to be able to fulfill it. You don’t need to know
consciously, and as much as you need to know, you’ll know.
There are all kinds of examples of people who knew at a

young age or in their 20s, they were accurate, and there are
stories of people who thought for sure this was what their life
was going to be about and it wasn’t. There are people who
had no idea what their mission and purpose was until they
were much older.
I believe there are some people who died, having completely

Bob Scheinfeld
fulfilled it, but never consciously knew what it was. The

conscious awareness isn’t necessary, but it’s still what’s
driving your life.
Chris Attwood: So wherever we are, it’s okay to feel comfortable whether

we know or not, or are in some state in between, right?
Bob Scheinfeld: Absolutely! We all have our judgments. We all have our
beliefs—this stinks, this is good, I’d like more of this and less
of that, or I’d like to change this or improve that—and most
of it’s nonsense and most of it comes from a distorted,
limited perspective, but we all have that. I’ve had it, I still
have it about some things now, although as a result of the
new work we’ll be talking about, most of that has gone by
the wayside. That’s part of life.
Chris Attwood: You’ve had an extraordinary adventure as you followed your

passions. Tell us the story. You made millions, lost them,
made them again—how did that happen and what did you
learn, coming out of it?
Bob Scheinfeld: I had a pretty ordinary career, I would say, in my 20s and
early 30s. As I was hitting my stride, both with “invisible
world skills,” tying back to the journey my grandfather started
me on, and business-building skills, I always and a knack for
certain things.
Once I hit my 30s, I had a lot of power going with the

invisible world stuff he had started me on, and on what I
would call “direct marketing skill.” I got involved with a
number of businesses that were not my own, and helped
them to grow dramatically and quickly. As a result of that, I
was rewarded quite well and I also did very well with a
number of investments.
I took some of the wealth I had developed through those

entrepreneurial projects and was able to parlay it in the stock
market and some other things. I was really riding high when I
hit 31, 32. That’s, as you referred to, when Murphy came to
visit.
Chris Attwood: You said that as you were building up to this, you had
developed some power and skill in the invisible world. I’m
Bob Scheinfeld
not sure that everyone will understand what that means. Can
you give some examples of what it means to have skill or
power in this area of the invisible world?
Bob Scheinfeld: When my grandfather started teaching me about the

invisible world and the invisible power source and how he
had tapped it, it essentially came down to the fact that no
matter what result you want to produce, no matter what
answer you need, no matter what help you may want to do
what you need to do, there is an answer somewhere.
I don’t want to spend too much time on this because it’s not
where I am anymore, but essentially, it was a system for
asking for help, for being able to tap this invisible power
source for guidance, assistance, or bringing people into your
life. I understand this sounds very similar to many common
self-help things, except it’s not, when you really dive into it.
Chris Attwood: So you had developed the skill for being able to ask for what
you needed and it showed up?
Bob Scheinfeld: Yes, it’s a twin skill. One is knowing how to ask for the help
you want, not of other people, but by tapping into this
invisible source of power, and then being able to receive it.
Interestingly enough, being able to notice it and receive the
help back is much trickier than asking for it because it
generally doesn’t come in the way you’d expect it.
I think with most people who have had amazing things

happen—it’s almost always come in very unexpected ways.
That’s the way it works in the universe, in my opinion. I had
gotten very good at applying the system I had developed to
get help on whatever I was working on.
If somebody came to me and said they wanted me to help

them start or build a business—and usually, my role was
developing a marketing machine that would drive customers,
sales and the whole deal—they never knew I was tapping
into the invisible world to get help with my part of it, but I
was.
So every aspect of what I had to do, no matter what it was—

if it was writing a sales letter, building a website, solving a
Bob Scheinfeld
problem—I would use this system to ask for help, I’d get the
help I needed, and I soared in whatever I was doing. It was
amazing.
Chris Attwood: Here you were, riding high in your early 30s, made a ton of
money and then what happened?
Bob Scheinfeld: My father used to call me “Lucky Pierre” because I just

seemed to have this magic, Midas touch. I piled up a lot of
money from having done that. Then I left the corporate
world, and at this point, I had perfected my invisible world
system enough, and I was on fire about it, so I wanted to
teach other people.
I left the corporate world after three and a half years. One of
the things I discovered along the way was that I’d also had
this gigantic passion for personal growth, expanding myself
and teaching and helping other people, but I had said, “Not
this life. I seem to be doing business in other stuff,” and I put
that on the wayside.
When I left the corporate arena, I actually bought a Tony

Robbins franchise and spent three and a half years building
that up and teaching Tony’s work, where I was a facilitator of
his seminars and my own. There were also multimedia
seminars where it was part him on a gigantic screen on
video and part us as live facilitators. I spend three and a half
years doing that before I launched my own body of work and
started sharing my own methodologies.
That was a great experience too, and it also gave me an

opportunity to fine tune my marketing skills. Then, at age 32,
I hit this wall, where it was like somebody had flipped a
switch and Lucky Pierre turned into Murphy. I could do
nothing right. Everything I tried to do failed, got messed up,
got complicated and stressful.
I was hemorrhaging money for years until millions of dollars

disappeared and I ended up $153,000 in debt. No matter
what I tried to do, I could not right the ship that was sinking.
Ultimately, in a major deal for me, I had to humble myself
and ask my father to co-sign on a loan at a bank to get that
$153,000. Most of that debt was on credit cards.
Bob Scheinfeld
[I needed that] to help me stabilize the ship because I

couldn’t seem to stop it from sinking. It didn’t make any
sense to me because I’d been riding so high, and I thought
I’d figured out enough of what my grandfather had left as a
mystery. I knew what I was doing and I knew how to tap this
power source. It was like, “So what the heck is this?”
I didn’t all of a sudden have all this success and then get
stupid, careless and not follow what I had learned and had
become masterful at, which some people do. They get really
successful and then get sloppy, but I hadn’t done that and it
was like, “What is going on here?”
I got desperate and thought, “Obviously, there are puzzle

pieces here that I don’t have.” There’s something I thought I
understood, I thought I had the complete picture, and
obviously I don’t.
Chris Attwood: What do you mean by puzzle pieces?
Bob Scheinfeld: There are a lot of people at various points on my journey

who have come to me—originally with The Invisible Path to
Success work, with The 11th Element, and now with the
Busting Loose work—and said, “This is really different stuff.
This is not what you normally get on the street, so where did
you get this stuff?”
The only way I’ve ever been able to answer the question is
to compare it to putting together a jigsaw puzzle. When you
put a jigsaw puzzle together, you dump all these pieces on
the table, they don’t look like much, you start assembling
them and it still doesn’t look like much. But after you
assemble enough of them, you start to get an idea what the
picture is.
You know what the picture is when you do a jigsaw puzzle,

but suppose you didn’t or somebody just dumped the pieces
and didn’t show you the final picture. It starts to get clear,
and then you add the final pieces and all of a sudden, this
picture pops into view.
On my journey, I got puzzle pieces from all over the place—

Bob Scheinfeld
from my grandfather, books, individuals, in meditations or

insights when I was in the shower or driving, or sitting in a
movie or doing something else—and all of a sudden, these
pieces assemble themselves and a picture pops into my
view. Then I start refining it and working with it.
That’s how it’s always worked for me—puzzle here, puzzle

there—and sometimes you don’t even know you’re getting
pieces, but you are. Then they assemble themselves. That’s
how my life has always worked with all of these things,
including the most recent breakthroughs.
Chris Attwood: So you figured there must have been some puzzle pieces
missing. What did you do then?
Bob Scheinfeld: I still believed in the core value of the system, even though I
knew I was missing something, so I used the system and
said, “Look, there’s obviously something I’m missing here,
so please guide me to finding whatever these missing pieces
are.” Again, this is over-simplistic, but that’s basically what I
did.
I used the system and it just kept failing for a lot of the
results I was trying to produce. Then I asked for the help to
find out what I was missing, and I was led to more puzzle
pieces. I thought to myself, “Okay, now I’ve got this and I’m
not going to have issues anymore. Now I’m just going to
soar for the rest of my life because I have the magic.”
I then got involved, as you mentioned, with Blue Ocean

Software. It was a small software company in Tampa,
Florida. They had just done $1.2 million in sales the year
before and they had great “raw material,” but they had no
marketing machine, which together with the invisible world
skills, was my gift to launch them.
In exchange for my contributions, I received a chunk of the

company, and over the next four and a half years, we grew it
from $1 million a year in sales to $44.5 million a year in
sales with outrageous profitability. Then software giant Intuit,
which most people have probably heard of from
QuickBooks, Quicken and their tax programs—a billion-
dollar company—bought us for $177 million cash.
Bob Scheinfeld
Chris Attwood: Wow—every entrepreneur’s dream.
Bob Scheinfeld: Yes. I did very well from that, as you might guess. I didn’t
really get cocky, but I thought I had my act together. It
wasn’t, “Boy, aren’t I great. I’m this genius,” or anything, but
it was just, “I think I finally got the system.” It was the system
that was important, it was not me.
So I was feeling pretty good at that point. After we sold the

company, I stayed on for a little while, then I left, went on my
own and took some time off. Then I decided that because of
the demands of building Blue Ocean, sharing my own
work—which at that point were The Invisible Path to
th
Success and The 11 Element, both debriefs of what I had
learned until that point on my journey—I was just going to
start promoting and growing that full time and expand what
I’ve been doing.
In the Blue Ocean years, I couldn’t travel around and speak,

so everything I did was remote with home-study courses. I
said, “I’m going to do some other things now.” I was pretty
excited about that. Murphy did not come to visit me again,
but the Midas touch had clearly disappeared. So many
things I got involved with, projects related to my work in
some ways, and in other ways, some parts thrived, some
didn’t.
In some other projects I got involved with, I started

hemorrhaging money again. I wasn’t in any danger like on
my crash and burn that I described before, but at this point, I
had a wife and two kids. We had a lifestyle that we really
liked and there were “expensive” things that were part of our
lifestyle that we really enjoyed.
When I crashed and burned before, it was just me. Then

toward the end of it, my wife was part of it. I could handle
that pain and she didn’t know any different, so she had
some struggles but she could handle it. But now the kids
would have to pay the price and she would have to pay the
price.
So I said to myself: “I can’t do that again,” and I realized—

Bob Scheinfeld
and I don’t know why it was such a shock to me because

you see it in the news all the time—that it doesn’t matter how
much money you pile up, you can always lose it and go into
debt. You can screen way beyond zero and go into debt.
I thought, “It doesn’t matter how much I’ve piled up this

time,” from Blue Ocean and other ventures that had been
very successful on my second rise, if you will. Obviously, I
thought I had my act together this time. I thought I had the
whole picture, but clearly I don’t because here we go again. I
started to panic.
I thought this was going to repeat itself and all this money
was going to disappear, I was going to end up in debt,
having to sell my house, yank my kids out of private school
and undo all this stuff we had done and that we were living
and sell the dream house that I live in and love so much. I
was really panicked about it.
Chris Attwood: So what you’re saying—and for some people who haven’t
been through your experience, this may be a bit
disconcerting—is that even having acquired, saved up and
earned some millions of dollars, you still didn’t have
security?
Bob Scheinfeld: No, nobody ever has security.
Chris Attwood: Let’s talk about that because there are a lot of people who
think that if they just get enough money, then they’ll be
secure.
Bob Scheinfeld: That’s a gigantic myth and we’ll get into some of this later,
as much as we have time for, but there are so many myths
running about what I call the money game. That’s one of
them.
Chris Attwood: What is the money game?
Bob Scheinfeld: I’ll finish the one thought that ties in first. If you study history
and pay attention to the media, you see billionaires,
hundred-millionaires, and other millionaires who lose
everything they have. You see people thinking that their
money was safe in the bank, but then there are bank failures
Bob Scheinfeld
and the Depression in the United States in 1929.
There have been bank failures at other points in the world.

Your money is not safe in the stock market, it’s not safe in
commodities—it’s not safe anywhere. You could say, “Well,
I’ll put it under my mattress or in a safe in my house,” well,
it’s not safe there either! It’s a gigantic myth.
I have these two experiences of crash and burn—this is one

of the things that started to incubate within my
consciousness—the fact that this whole thing you’re taught
about this money game was nonsense. All of the rules and
regulations behind it were nonsense.
Not only did I have to assemble some additional puzzle

pieces in terms of the invisible world power that my
grandfather had talked about, but there was an opportunity
to bust loose from that game and create a completely new
game that really did work, when it was very clear that the
money game, as we’ve been taught and as it’s traditionally
structured, doesn’t work at all.
Chris Attwood: In a moment, I’d like you to talk about the money game. I
had the opportunity to go through 13 hours of Bob’s course
on Busting Loose from the Money Game. It’s absolutely one
of the most remarkable programs that I’ve ever participated
in. It’s a view of life which is very different than almost
anything else we see in the Western world.
For anyone who would like to check it out, go to:

www.HealthyWealthynWise.com/moneygame and you can
read more about this. Bob, can you explain what you mean
by the money game per se, and then we can get into busting
loose from it.
Bob Scheinfeld: The money game has three words in it. The last word is
“game” and the middle word is “money,” so let’s take a look
at game first. Any game you play, whether it’s a sport, a
board game, chess, Monopoly—all games have certain
things on common. They have rules, regulations and
structure.
If you’re going to play the game and it’s going to work, all the
Bob Scheinfeld
players have to follow the rules, the regulations and stay

within the structure of the game. If they don’t, they get
kicked out, penalized, or whatever it is. Interestingly, the
rules, regulations and structure, of all these games we play
and we take for granted, are completely arbitrary.
If you look at them from an objective perspective, they’re all

somewhat crazy. If you look at baseball, for example, like
somebody from another planet might—you take a piece of
wood and whack this thing that’s made of rubber and
leather, and these other people have big chunks of leather
on their hands and try to catch it, you run around and try and
touch these cloth squares.
Players have to be in certain positions and if you touch all

four of the cloth squares, you get something called a run. Do
that to any sport, take it down to that level, look at the rules
and they’re all very arbitrary and actually crazy if you think
about them.
But everybody who plays the game agrees to follow those

rules and regulations. They never ask, “Where did they
come from? Who thought of them? Do I really need to follow
them?” In the course of professional and college sports, you
absolutely have to follow them or you’re going to get kicked
out.
Chris Attwood: You can’t play the game if you don’t follow them.
Bob Scheinfeld: Right. That’s where the money game is different because
when we’re growing up, we’re taught that there’s this money
game and we’re taught what the rules and regulations are.
There really aren’t any and we don’t have time to go into
that; we’re going to give you a resource where you can get
more detail on some of the rules, regulations and confusion
there.
But some of the most common rules of the money game that
we all just accept as real and that you have to live by them,
they’re etched in stone, just like the rules in sports—there’s
a limited supply of money that’s available to you, so every
time you spend, that limited supply decreases. You can lose
the money. As I mentioned before, you can go beyond zero
Bob Scheinfeld
into debt.
If you want to have more money, you somehow have to work

harder or smarter, or deliver more value somewhere. You
have to have a plan, save and invest wisely and build wealth
over time so you can have a comfortable retirement. If you
have a lot of it, you better protect it from attack because
other people are going to try and take it from you.
You have to be prudent and responsible and save for a rainy

day. The core of it is the first one, which is that there’s a
limited supply of money available to you, and somehow
money is outside of you, and you have to do something to
go outside of you and bring it back into your life so you can
spend it and do stuff in your life.
Again, because you have a limited supply, every time you

spend, you have less and somebody else has more. So
many people are struggling, no matter how much they have,
to play this game. There are a lot of other rules and
regulations and there’s a lot more confusion. When I said all
this stuff, most people probably said, “That’s true—there is a
limited supply available to me.”
And, “Yes, every time I spend, my limited supply does

decrease. Yes, I can lose it. Yes, I should be prudent. I
shouldn’t spend thousands of dollars on ‘frivolous’ things. I
should be smart about it, socking money away, saving for a
rainy day.” It all seems perfectly reasonable, but I’m here to
tell you that it’s all crap!
It’s not true. It is just rules and regulations that were

completely made up to play this thing called the money
game. You do not have to follow those rules or regulations
and you do not have to respect the structure of it. I’m not
talking about doing anything illegal or opting out of the
system or other kinds of crazy strategies that have come out
over time to try and buck the status quo.
This gets into something else we have to talk about, but for
now, the seed that I want to plant is: everything you thought
was true about money and everything you thought was true
about the money game, how you have to play it and how it
Bob Scheinfeld
works is not true or real. It is an illusion.
You can choose to bust loose from that game and play a
completely different game, where there is not a limited
supply of money, your supply does not decrease when you
spend, you cannot lose it, you cannot go into debt, you don’t
have to work harder or smarter, or deliver more value to
have more.
I recognize that this may sound like wild and crazy stuff, but I
want to tell you—it’s something that’s absolutely doable,
very practical, and I have done it. It comes back to when I
was telling the story of what happened to me. I realized it
doesn’t matter how many millions of dollars I piled up this
time, I can lose it again.
It’s not a question of learning how to master this unseen

power source to be able to pile up more. Piling up more in
your accounts is not the solution. It’s tapping into a different
source of abundance, if you will, that has no limit, does not
run out, that you can tap into and have a steady flow of it. I
know we have international listeners, I think what I’m about
to say is common throughout the world, but if it’s not, I’ll
explain it enough so it’ll make sense.
Here’s how I like to express it. In the United States, there is

a concept on checking accounts called overdraft protection.
It means that you tie some other source of money to your
checking account. If you ever write a check and there isn’t
enough money in your account to cover the check, there is
an automatic debit from this other account that’s linked to
your checking account, your check is always made good,
and you never bounce a check.
I call this other source of abundance, just for a fun and sexy
term, “cosmic overdraft protection.” I discovered it was
actually possible to do. I understand this may sound nuts to
everybody listening. But as you know, Chris, it’s very real,
I’m living proof of it, I can document it and document the
path to get there.
The way I learned you can actually create the game is to tie
this cosmic overdraft protection—which is another source of
Bob Scheinfeld
abundance, which you could say is in the invisible world and

I think my grandfather knew this, although I don’t know for
sure because he never got there with me—to your checking
account and get to the point in your life where you simply
write checks for the things you truthfully want to do, with
absolute certainty and confidence that the money is going to
be there to take care of what you do.
No matter how crazy that may seem to you, just for a

minute, think about what life would be like if you had a
cosmic overdraft protection like that.
Chris Attwood: It would be pretty awesome.
Bob Scheinfeld: What would it be like in terms of what you might or might not
do with what you do for a living right now? What might it do
in terms of investments you’re dealing with, worrying about
retirement or things with your kids? What kinds of limitations,
that you’re currently experiencing, would go away in that
kind of scenario?
I discovered that you can actually open up to that. That’s

how Busting Loose from the Money Game and the
breakthrough I made started a couple years ago. The actual
breakthrough came about a year ago. So now that’s what
I’m on fire about, is continuing to move more deeply on that
journey and help other people do it.
Chris Attwood: So you have been telling us that there is a money game
which all of us have been trained to play from the time we
were young kids? Is that true for almost all of us?
Bob Scheinfeld: Absolutely.
Chris Attwood: We’ve been trained to play the game with the rules and
regulations, some of us have gotten good at it and some of
us have not been very successful at it. You’re saying that
this is a game we have a choice to step out of, unlike if we
want to keep playing a sport, we can’t step out of it.
We have a choice to step out of this game and go into a new

situation that’s not going to be a situation of suffering. We’re
not going to step out of the game and die. You’re saying it’s
Bob Scheinfeld
possible to step out of the game and actually enjoy this

cosmic overdraft protection?
Bob Scheinfeld: And prosper in the way that everybody would like to prosper.
The other piece of the puzzle is you cannot win the money
game according to the rules, regulations and structure that
we’re taught. Everyone has experienced this, but most
people probably think, “If you just pile up enough,” then what
I’m about to say doesn’t happen anymore.
I’m here to tell you, from having become extremely wealthy

myself and being able, through my father, grandfather and
other business associations with some of the wealthiest
people in the world, that it never goes away. If you play the
money game according to the standard rules, regulations
and structure that you’re taught growing up and that gets
beaten into us to the point that we never question it, it
always leads to some form of stress, pain, loss,
dissatisfaction.
It doesn’t matter how much you pile up. There’s always

some cost and some loss. You pile it up at the expense of
your relationships or your health. You pile up a whole bunch
of it and then find yourself in an extremely stressful situation,
trying to hold onto it or manage it.
I’ll give you an example. Don’t take this 100% literally,

because there are other pieces to the puzzle. I know a man
who became a billionaire, and to manage the money, he has
a staff of 60 people. He has to manage those people and it’s
extremely complex. A lot of people might say, “I would love
to have that problem.”
But this person is not a happy camper. You see this all over.
There are people who look at the super-wealthy and think,
“Those people have private jets, mansions, fancy lifestyles
and they’re happy and enjoying everything.” Deep down, we
all know that’s not true, because we’ve seen enough stories
of people who have hit those pinnacles, and have become
drug addicts and such.
We know it’s not true, but it’s such a sexy dream that
nobody wants to let go of it. So we all blind ourselves to the
Bob Scheinfeld
fact that there isn’t gold at the end of the rainbow when you
play the money game. But there is gold at the end of the
rainbow, and all the fantasies can come true, if you bust
loose and start playing a new game with a different set of
rules, which I discovered on this amazing journey that my
grandfather started me on.
Chris Attwood: I know from your work that you refer to these two games as
the “phase one game” and the “phase two game.” Can you
talk about that and the differences between them?
Bob Scheinfeld: Yes. I think probably most people, in one way, shape or
form, have heard a saying that goes something like this: “We
are spiritual beings having a physical experience.” That
means we are very powerful beings, much more powerful
than we think or have been taught, and we’ve come into this
physical experience sometimes to play or grow and learn.
The implication, which if you study the spiritual literature, is

almost consistent across all spiritual and religious literature,
is that who we really are is these amazingly powerful, wise,
abundant beings who left that state, if you will, to come here.
Part of that story, I agree with, and I call doing that “playing
the human game,” which is the superstructure that the
money game is a subset of.
Before I go more in depth on this, I want to tell you that

everything I say to you here, and everything I would say to
you if you choose to find out more about this—none of it do
you have to accept my word on. You will have the ability to
prove it all to yourself, so this is not anything that has to be
accepted on faith.
In the human game, we start out as these infinitely powerful,

you could even say, godlike beings, who decided, just like
somebody somewhere came up with the idea of baseball,
football, golf, Monopoly and chess and everything else. Why
and how they came up with it, I don’t know. The story is
probably there somewhere.
A bunch of infinite beings, if you will, decided that they

wanted to create a game and play it. I call it the human
game and it has two phases. Understand, when I tell you
Bob Scheinfeld
what phase one is, it may sound crazy and wild. You may
think to yourself, “Why would anybody want to play a game
like that?” I want to remind you of our discussion before
about how crazy basketball, baseball, football, soccer and
chess would seem to somebody from another planet if they
looked at them objectively.
Phase one of the human game is: convincing yourself that

you are the exact opposite of who you really are. So if you
start out being infinitely powerful, wise and abundant, phase
one of the human game is convincing yourself that you’re
the exact opposite. It relates to exploring what happens
when you limit unlimited power.
In phase one, we create this illusion, this alternate reality.

I’m going to speak bluntly and be overly dramatic just for
effect. I’m not being disrespectful to anyone. The goal is to
convince these infinite beings that we’re dumb, stupid, weak,
powerless and poor. That’s quite a task!
If you start out as an infinite being, you can snap your finger
and create anything, which is who I believe we all really are,
and you convince yourself that you’ve got no power, wisdom
or abundance, and all the power is outside of you, as is the
money, it’s quite a challenge.
You could say, “Why would somebody come up with a game

like that?” but to me, that’s what happened. In phase one,
we use all of our power, creativity, cleverness and trickiness
to create this alternative reality that we call the three-
dimensional world, the earth or the universe—whatever you
want to call it—which is a complete illusion, convince
ourselves it’s real and that we’re stupid, powerless and poor
within it.
We play this game for a while, just like we play the money
game for a while. Ultimately, you can imagine that if you’re
an infinite being and you convince yourself that you’re the
exact opposite of that, you’re going to hit a point of massive
pain and start to think, “Wait a minute. There’s something
that just doesn’t make sense about this.
There’s got to be something else going on here. I want to

Bob Scheinfeld
find out what that something else is.” When that happens,
it’s a signal that you’re getting ready to more into phase two
of the human game, in which you reclaim all the power and
wisdom that you hid in phase one. You remember who you
are, expand back into the infiniteness that’s who you really
are, but you still say here within the illusion.
You stay within this alternative world and reality that we

created, but you can start to play the human game without
any limits or restrictions at all, which means you can create
any kind of scenario within the illusion, just like Hollywood
movie makers can make any story or environment appear
real. You can create any reality and play with it for the sheer
pleasure without any limits or restrictions at all.
Chris Attwood: I think what you said is very interesting. It does make it
clear—when you think about all the games that we, as
humans, have created—they all have arbitrary rules and
regulations that we created so we can have fun together.
You’re saying that, as infinite beings, we have created such
a game, but in much greater complexity and depth.
What you call phase one is almost a downward spiral (even

though it probably isn’t really downward) from being infinite,
down to complete, finite limitation—tininess, if you will—
convincing ourselves that we are tiny, small and unworthy,
having, in reality, been infinite. That’s the process of phase
one.
Then you’re saying that phase two is recognizing there’s

something that’s not right about that, opening up, expanding;
and what I hear you saying is fully realizing the phase two
creates the ability to have almost unlimited possibilities in
our lives. Is that right?
Bob Scheinfeld: Absolutely. There’s a lot that’s taught in the typical self-help
literature that suggests something which sounds very similar,
except it doesn’t work. I have learned from personal
experience, from doing it, teaching it, and trying it again
when I was desperate, trying to stop my falls at various
points.
Chris Attwood: How is what you teach different then?

Bob Scheinfeld
Bob Scheinfeld: If you take a look at football, soccer or any of the games
we’re playing from an objective perspective, the rules,
regulations and structures seem crazy. It’s not just games;
everybody has looked around at this world we live in—at the
entire globe—at various things going on or that went on in
history, and has said, “That makes absolutely no sense.
That is crazy. How could anybody ever do something like

that? How could that be?” I did this all the time when I was in
phase one. I would look around at stuff and say, “I just don’t
get how that could possibly be.”
Chris Attwood: Do you mean like the woman picking up a car off of her child
or something?
Bob Scheinfeld: Not that kind of stuff; stuff like Hitler. Also, I don’t know if
anyone is in this business, but one of my big pet peeves has
been the cigarette industry, and all this stuff has come out
about these people at board meetings, planning how to get
young kids addicted to cigarettes so they can make more
money. I used to look at that and think: how can a bunch of
grown adults, who have kids, sit in a board meeting and
make a decision like that? It makes absolutely no sense.
Or you look at some of the stuff with people, who were

already struggling around the world, who got hit by tidal
waves and the little that they had was wiped out. All over the
place, if you really look at this “earth amusement park,” it’s
insane! If you really look at it, it’s crazy and makes as little
sense and is as arbitrary and crazy as the games in the
context that I talked about. It has to be because of what
you’re trying to do.
I believe, when this human game first started, it was

because a bunch of infinite beings were saying, “I wonder if
we could convince ourselves that we are the exact opposite
of who we are,” and it just started out as an experiment.
Then it became so fun, go more and more complex like most
of the games we play—not all, but most—over time, and
mushroomed into this gigantically complex thing we call
three-dimensional reality with all the sciences, where we try
to dissect it and take it apart.
Bob Scheinfeld
To me, that’s what the whole deal is about. To me, the entire
human game is created by and played in consciousness.
None of it’s real, it’s all an illusion, just like when you’re
sitting in a movie theater and looking at the stuff on the
screen. It looks real, feels real—convinces you it’s real, even
though you know it’s not—and you get sucked into it.
Suppose you’re in a movie theater, the movie starts playing,

there are characters on the screen, an environment, and a
bunch of stuff going on. The equivalent in my model is if you
stepped out of your seat, walked through the screen,
became one of the characters in the movie, and were
absolutely convinced that you were that character, having
forgotten who you were sitting in the seat.
You became convinced that everything in the environment

within the movie was real. You then allowed it to play out,
assuming that all of it was real. It’s a game created by, and
played in, consciousness. The interesting this is if you look
at some of the breakthroughs coming out on quantum
physics, most of which I don’t understand, but enough of
which I do, they’re confirming this in their scientific research,
that the whole thing is an illusion and it isn’t real.
Chris Attwood: I’d love it if you would share what it’s like for someone who’s
playing the phase two game. You’ve talked about the phase
one game and how we’ve convinced ourselves that we’re
stupid, dumb, worthless and limited. When someone fully
steps into the phase two game, what’s that like?
Bob Scheinfeld: There is not a rule or a formula for what it looks like because
we’re all infinite beings with infinite potential, and just like we
are on this planet in human form, we all have different
interests. So there is no common rule or formula for what it
looks like because we all want to play with different things.
You started out as an infinitely powerful, wise and abundant

being who had the ability to have and be anything. You
created this alternative universe which we call the three-
dimensional world, and convinced yourself you were limited.
In phase one, there’s an aspect of your consciousness that
is who you really are, and for lack of a better term, I call it
Bob Scheinfeld
your “expanded self.” It’s the real you, the infinite being, who
you really are.
This part’s job is to keep you away from your power, wisdom
and abundance and convince you that you’re the exact
opposite of who you are. When you move into phase two,
this other aspect of yourself—there’s no separation here; it’s
all one, gigantic, infinite being, but we have to talk about it as
if it’s separate—completely shifts gears. Twenty-four hours,
seven days a week, when it used to be about limiting you
and keeping you away from the truth and your power, it
becomes the exact opposite.
What happens in the beginning of your experience in phase

two is that your expanded self takes you on what I call the
“treasure hunt of the century” and leads you to where you
have hidden your power, wisdom and abundance, and
supports you in taking it back. As you take it back, you and
your consciousness expand, and therefore, what becomes
possible for you, from an effortless perspective, increases.
As you move more deeply into phase two, reclaim more and
more of your power, wisdom and abundance or access to
your cosmic overdraft account, literal things that you would
call miracles become commonplace for you because you’re
creating the whole thing out of your consciousness.
It’s like if somebody decides to make a movie, they create

the entire environment. They create the special effects that
make things appear real—they’re “gods” in the environment
and can do anything they want with what’s going on in that
movie.
The more deeply you move into phase two, the more power
and ability you have to do that in what’s going on with you.
What is that going to look like if you actually had more
power? What is it going to look like if you actually tapped
into this cosmic overdraft? It can look any way you want,
because you’re an infinite being and you can create
whatever you want.
This is a way-out example, but it’s real. I’ve experienced it,

as well as clients of mine. You could look at your bank
Bob Scheinfeld
account on a Tuesday afternoon and it could appear to have

$10,000 in it. You could look at your checking account on
Wednesday morning and it could have $110,000 in it with no
apparent source of where the extra $100,000 came from.
Or you could receive a check in the mail for $1 million from

somebody who said, “Hey, I benefited from something you
did, and I wanted to thank you. Here, go on and help a
bunch more people.” It can be the most wild and crazy thing
you can imagine because your consciousness is creating the
entire illusion of what you’re experiencing.
You have total control over all of it. Since the game is not
about limiting you and convincing yourself you’re stupid and
poor anymore, it’s about showing you how magnificent and
amazing you are, you start to feel and act and be more
magnificent and more infinite. The way people treat you
changes.
The whole game changes as you do the phase two work,

which is reclaiming your power, remembering who you are,
seeing the truth of what’s really going on, and expanding
evermore, every day, into who you really are until you get to
the point where you can create absolutely anything, no
matter how “unrealistic” it may seem, for the sheer pleasure
of playing with it.
Ultimately, this whole thing is about fun—it’s a game. A lot of

people would say, “A lot of stuff that has happened to me or
is happening to me now sure isn’t a lot of fun.” I will tell you
that, from the infinite being you really are, from that
perspective, you’re having a blast.
Again, I’ll take you back to the metaphor of a movie. If you’re

watching a horror story and awful things are happening in
the movie, the movie makers had a blast making it. The
actual story had a lot of scary, “evil” things in it, but the
movie makers had a blast making it.
Who you really are has had a blast the whole time you’ve
been playing this human game, even though from your and
my limited perspectives, we could have judged a lot of it as
being awful, terrible, struggle, pain or hardship. The truth is,
Bob Scheinfeld
the infinite being you are, is and has always been having a
blast.
I know that’s hard to believe, but it’s another one of those

things that will become very real to you if this is a journey
you choose to take, you do the work and expand. You will
see that all of this is true and you will experience all of these
things for yourself. Again, there’s no need to take my word
on anything.
Chris Attwood: Can anybody make this shift to phase two? Is there a
special requirement or anything?
Bob Scheinfeld: No, anybody can do it. It takes an enormous amount of

commitment, persistence, stick-to-itiveness and such. If you
can buy what I’m saying, that everything you think is real in
the world around you, that you have thought is solid and real
is not, and that all of it is morphable as a result of shifts in
consciousness, then in order to show yourself it’s true, in the
phase two game, a lot of weird stuff has to happen that
shakes you up, maybe scares you or makes you
uncomfortable.
This is not a game for the meek or lighthearted. It takes an

enormous amount of discipline, commitment and
persistence, because your whole world and life is going to
get turned on its ear in order to open you up to who you
really are and allow you to tap the power that’s available to
you. It’s not always easy.
[In 2006], I’ll be 49, and I first discovered this whole phase
two deal and started my journey of expansion two years ago.
So for 47 years, I tried to make it all work from a phase one
perspective and failed. That’s 47 years, 24 hours a day,
seven days a week, trying to make it work in a phase one
world and realizing that it didn’t.
In the phase two world, it doesn’t take that long. If I spent 47

years convincing myself I was the opposite of who I am, I
don’t have to spend 47 years expanding again; the
expansion is a much more accelerated deal. I’ve created
literal miracles in my life in just two years. If it had to be 8, 10
or 15 years, I wouldn’t care.
Bob Scheinfeld
If you look at the treasure at the end of the rainbow in the

phase two game, from my perspective (and this is a
judgment), what could be more worth spending your time
on? So to me, no mater how difficulty or crazy it gets, it’s
worth it and that’s why I kept at it even when I felt like giving
up, it was too much or I wasn’t sure it was all real—it may
have just been a crock. I just kept at it.
Ultimately, I moved into this space where I busted loose

from the money game and so many other things that are
totally wild, amazing things that I never would have imagined
would be possible for me in this lifetime, are daily realities
for me. It’s the most amazing game I’ve ever seen. It’s the
most amazing creation.
Chris Attwood: Would you share one example with us?
Bob Scheinfeld: I could tell you all kinds of little stories and most of them
would take longer, but the biggest, sexiest story I would
explain is busting loose from the money game. I live in a
situation right now where I do not watch the balances in my
checking account, for my businesses or my personal life, I
don’t track the numbers.
I do whatever I want to do, write checks—which in the model

of the phase two game is expressing appreciation, which
you’ll learn about if you decide to do this—with absolute trust
and certainty that the money is going to be there for
whatever I choose to do, create and experience, and it
always is.
There are no bounced checks, no tracking the numbers, no

worrying about my retirement, no anything, and I’m living
with this cosmic overdraft protection, that I mentioned
before, as being a total reality. You look at the ripple effect
of that kind of dynamic in your life—it affects everything. All
of a sudden, everything in your life becomes about what
brings you joyfulness and fun, what floats your boat, what
you’re passionate about.
You follow that without money being an issue, and when you
start having the ability to do that, your joyfulness,
Bob Scheinfeld
peacefulness and fulfillment—and all the things we’re after

but can’t get in phase one—become real and practical. Then
they keep deepening and everything keeps getting better
and better and better.
For me, it all opened up by the illusion of the money game

cracking and dissolving and in the process of doing that,
opening up to other aspects of what’s possible. That, to me,
was the gigantic breakthrough, and that is truthfully how I
live every day.
It’s not because I still have millions of dollars left from selling
the software company, it’s because I opened up to this
infinite abundance that’s who I really am, and have
expanded my consciousness through a process that I can
teach you, to open up to this infinite aspect of who we really
are and to be able to live with it in a day-to-day world.
Chris Attwood: Bob, I could go on talking to you all night and part of me
wishes we could, but we need to draw to a close now. At
Healthy Wealthy nWise, we believe strongly in the power of
intention to manifest outcome. What is your current, most
important project, and what intention would you like all of us
to hold for you?
Bob Scheinfeld: My passion right now is getting this work out to the world. I’m
going to have a whole series of “Busting Loose” from
different games. The Money Game was the first one.
There’s going to be Emotions Game, Relationship Game
and Business Game and other things, but this is what I
started with.
I don’t know anybody at any level of “financial success” who

does not have stress, challenges and problems related to
playing the money game as it’s taught. So much
transformation can take place by busting loose from it that to
me, that’s my most important project and the greatest gift I
can share is the pathway to doing that.
Chris Attwood: Great, thank you. We will hold the intention that the wisdom
you shared tonight and that you are sharing does go out to
everyone in the world. I don’t know anyone who wouldn’t
welcome the opportunity to bust loose from the money
Bob Scheinfeld
game, as well as busting loose from the others. What single

idea would you like to leave us with?
Bob Scheinfeld: From my personal experience, I’m guessing that there are
people who think I’m nuts or on drugs. They may think, “This
guy sure seems serious and passionate about this. Maybe
there is something here.” Maybe you’re thinking, “A little
voice inside of me tells me he’s speaking the truth,” no
matter how outlandish it is. Maybe your thoughts are
somewhere in between.
Wherever you ware on that continuum, as you go back to

your life tomorrow, I would just ask you to look at everything
around you, particularly anything related to money, numbers
or the money game, and ask yourself some questions.
“What if what he said is true? What if I really am an infinite
being?
What if I really have access to an infinite supply of

abundance and money, and by simply making some shifts
and expansion in my consciousness, I could dramatically
shift what I experience? What if I really am creating
everything that’s happening around me, out of my
consciousness, and I have the ability to expand to the point
where I can really create anything I want for pure pleasure?”
Let your imagination swim a little bit with what might be

possible in your life if that were true. That’s a good place to
start. I also suggest you follow the link Chris mentioned
earlier. There’s a guided tour of Busting Loose from the
Money Game available. If this is something that resonates
with you, I suggest that you take the next step and perhaps
participate in that experience and join me on this journey.
The other thing I would ask you to think about is: are you
feeling something, even if there’s some noise in your head,
a feeling, a pull or a tug that says, “There might be some
truth to this”? If you are, that is a sign that perhaps you’re
getting ready to jump into the phase two game. They call it
the still, small voice.
See if there’s a voice inside you that’s resonating with what

I’ve said and is thinking that there really might be some truth
Bob Scheinfeld
to this. If you’re hearing that voice or feeling a tug, you’ve

got some pretty exciting things in store for you, whether you
join me on this particular journey or not. That’s a sign that
you’re waking up to the phase two aspect of the game, and
that’s where the amazing fun starts.
Chris Attwood: Fabulous, Bob, thank you so much. What an exciting

possibility. That link for the guided tour of Busting Loose
from the Money Game is:
www.HealthyWealthynWise.com/moneygame.
Having gone through the program, I will tell you that it’s
absolutely remarkable and amazing. It’s something definitely
worth your time to check out. Bob, thank you so much for
being with us.
Bob Scheinfeld: Thank you for the opportunity.
Chris Attwood: Our next Passions Series call is on April 4th with Robert
Kiyosaki, the author of Rich Dad, Poor Dad. We look forward
to being with you then.


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Eight Little-Known Secrets About Creating Wealth—

And How They Practically Guarantee Your Success

Creating Raging Rivers of Profits

Commitment—The Key to Accessing Your Inner Wisdom

- W. H. Murray, The Scottish Himalayan Expedition, 1951

The Eight Principles of Enlightened Wealth

Wealth is the result of providing value. Value is a function of understanding what is

And as we do that, as we go deep within, as we examine ourselves, what is really going

You’ll remember our discussion of Intention-Attention-No Tension from The Passion

How do you attract mentors to you?

Systems, Skills and Tools

Freedom From the Money Game

Chris Attwood: I’m the Features Editor for Healthy

Several months ago, in January, we interviewed Dr. Wayne

Maharishi Patanjali said: “When you are inspired by some

Our guest, Bob Scheinfeld, the best-selling author of The

Bob is the grandson of Aaron Scheinfeld, who founded

Along his journey, Bob became a millionaire and a self-

Bob’s journey of triumph over failure, confusion, anger and

He also played a key role in growing the computer store

Bob is also a founding member of Jack Canfield’s

Bob Scheinfeld: It’s my pleasure to be here, Chris.

Growing up in this gigantic success story, there was a funny

dynamic I noticed. There was this rumbling within the family

Then the extended family was on a trip to Switzerland, in a

So we went to this little café in town and he said, “You’ve

What he started to share with me on that morning is that

He told me that it was from this invisible source of power

when they were expanding it internationally, and he credited

So the good news is, he started to mentor me in the specific

He really whetted my whistle, so to speak, and got me going

Obviously, I was 12 years old, I wasn’t trying to do this kind

At the time, that was frustrating, but as I look back on it, it

If somebody starts you on a path, you have to follow the

It’s like if somebody was an Olympic athlete and just

talent (this is not a perfect metaphor), it’s not as enjoyable or

It was a perfect creation to support me on my journey, to be

Like him, I had a passion for starting and building

“Spiritual” is the label to describe the invisible world for me.

Whatever your mission or purpose is, is the filter that

Our mission and purpose is the prime directive in our life.

There are all kinds of examples of people who knew at a

I believe there are some people who died, having completely

fulfilled it, but never consciously knew what it was. The

Chris Attwood: So wherever we are, it’s okay to feel comfortable whether

Chris Attwood: You’ve had an extraordinary adventure as you followed your

Once I hit my 30s, I had a lot of power going with the

I took some of the wealth I had developed through those

Bob Scheinfeld: When my grandfather started teaching me about the

I think with most people who have had amazing things

If somebody came to me and said they wanted me to help

So every aspect of what I had to do, no matter what it was—

Bob Scheinfeld: My father used to call me “Lucky Pierre” because I just

When I left the corporate arena, I actually bought a Tony

That was a great experience too, and it also gave me an

I was hemorrhaging money for years until millions of dollars

[I needed that] to help me stabilize the ship because I

I got desperate and thought, “Obviously, there are puzzle

Chris Attwood: What do you mean by puzzle pieces?

Bob Scheinfeld: There are a lot of people at various points on my journey

You know what the picture is when you do a jigsaw puzzle,

On my journey, I got puzzle pieces from all over the place—

from my grandfather, books, individuals, in meditations or

That’s how it’s always worked for me—puzzle here, puzzle