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How to build a money blueprint 

August 7, 2017

Lifestyle Upgrade 101

Cover art Erka Capili Inciong

Starting May 29, we will be running a column by the bestselling authors of I Wish They Taught Money in School, Sharon W. Que and Clarissa Seriña‑de la Paz. The column will come out every Money Monday.

Money can’t make you something you already are.”

This line came from the book “The Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth” by T. Harv Eker, one of the inspirations for our second book, “Money Grows on Trees.” Mr. Eker believes that each one of us has a money blueprint: an inner programming that has been shaped by our experiences while we were growing up. He stressed that the person we are today are products of what we have repeatedly heard (verbal programming), seen or observed (modeling), and experienced (specific incidents) in our formative years. This blueprint is mostly influenced by the people we’ve spent most of our childhood with—our parents most likely—because they directed us towards the money patterns we would later on adopt. Thus, everything we had learned about money growing up stayed in our subconscious mind as part of a “blueprint” that will eventually hone how we will manage our money.

But now that we’re a little older, and supposedly wiser, how can we build our money blueprints moving forward?

1. Watch yourself

It all starts with self‑awareness. How will you set targets for yourself if you don’t know what your starting point is? Getting to point B will only be possible if you know exactly where point A is. So, watch yourself. Be more deliberate in knowing what your fears, beliefs, habits, actions and inactions are. It is only in being self‑aware of your money blueprint that you will be able to draft how the building blocks would fall later on.

2. Follow through

Do not stop at merely knowing what your blueprint is. Plot the next steps and keep working on them. Find the tools that will help you become better and wiser with managing your finances. But, at the same time, do not settle with just the tools. Learn and master how to use them because these tools are only as good as how you utilize them. Read books, attend seminars, then practice, practice, practice. Always be open and be willing to learn. “Let go of some of your old ways of thinking and being, and adopt new ones,” Mr. Erker wrote, if the situation calls for it. The important thing is that the blueprint does not remain a stagnant plan, but one that you follow through in all your decisions and actions.

3. Commit

Of course, continuously working on yourself will never be an easy task. Mr. Eker wrote: “If you are not fully, totally, and truly committed to creating wealth, chances are you won’t.” Your commitment is as big a part of earning money as the blueprint you started with. “Your income can grow only to the extent that you do,” he also wrote. So, keep pushing yourself to grow. Let your blueprint be the sails and let your commitment be the rudder.

Similar to how houses are built, the money blueprint we all have plays a big role in how the final product will turn out. But while the blueprint sets out a plan, it really is up to us to make every plan happen. The inner programming we work with should be kept in check regularly, cleansed from time to time if necessary, and followed through religiously, in order for us to eventually achieve our full potentials. 


Clarissa Seriña‑de la Paz and Sharon W. Que are financial literacy advocates and the bestselling authors of “I Wish They Taught Money in School” and “Money Grows on Trees” Check out their books at www.lifestyleupgrade101.com. Get 10% off, plus a free notepad and bookmark, by sharing this story with the hashtags #MoneyMonday and #SparkUp. Remember to make your post public!