How to Eliminate Beliefs That Are Keeping You Poor

Tom Corley boats - crop

We all have negative and limiting beliefs that hold us back in life. Most of these beliefs came from our parents and were forged during our early childhood years, prior to the age of nine. These negative and limiting beliefs cause us to develop habits that hold us back in our adult lives. Most are not even aware of the negative and limiting beliefs they have. These beliefs prevent us from becoming successful in life and in many cases they act like an anchor dragging us down into failure, poverty and a life of misery. If you want to be wealthy and successful in life you need to remove and replace these negative and limiting beliefs. Here’s how:

Step #1 List Your Beliefs – For one week, write down everything you believe. Be 100% honest with yourself about every one of your beliefs. Here’s some examples:

  • I believe I am smart (stupid or average)
  • I believe I am ugly (good looking or average looking)
  • I believe I am hard working (lazy or in the middle)
  • Money is good (or evil)
  • Rich people are generous (or greedy)

Keep a pad with you and as your beliefs pop into your head while walking, watching TV, reading, eating, or whenever, write them down.

Step #2 Identify Each Negative or Limiting Belief – Take a look at each of your beliefs. Which ones are negative? Which ones are limiting beliefs?

Step #3 Select 1 Negative or Limiting Belief You Want to Change.

Step #4 Create Affirmations Around the 1 Belief You Want to Change.

Step #5 Create a Script of the Future You With Your New Belief.

Step #6 100 Day Challenge – For 100 consecutive days, in the morning and at night, read your script and repeat the affirmations.

Beliefs are habits, or more precisely, habitual thoughts. It takes anywhere from 18 days to 256 days to change a habit. The 100 Day Challenge helps build the new habit neurological infrastructure inside your brain. After 100 consecutive days your new belief should take hold. After 100 days, select a new negative or limiting belief you would like to change and repeat Steps 4-6, In one year’s time you will have eliminated at least 3 negative or limiting beliefs that have been holding your back.

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Thomas C. Corley About Thomas C. Corley

Tom Corley understands the difference between being rich and poor: at age nine, his family went from being multi-millionaires to broke in just one night, due to a catastrophic fire that destroyed his Dad's thriving business. For fourteen years they struggled with poverty. There were eleven in Tom's family, and they lived in constant fear of losing their home.

Driven by the desire to unlock the secrets to success and failure, Tom spent five years studying the daily activities of 233 rich people and 128 poor people. He discovered there was an immense difference between the habits of the rich and the poor. During his research he identified over 300 daily activities that separated the “haves” from the “have nots.” Tom decided to write a book to share what he learned. That book, Rich Habits: The Daily Success Habits of Wealthy Individuals (1st Edition), went on to become an Amazon Bestseller in the United States forty times over a three year period. To give you some perspective, in order to be a true Amazon Bestseller in the United States, where you actually receive a specific Bestseller designation from Amazon, you need to be in the top 100 of all books sold by Amazon in the United States in a given day. Rich Habits did that for nearly thirty straight days, rising as high as #7, eclipsing such Bestselling authors such as Stephen Covey, Robert Kiyosaki and J.K. Rowlings. Imagine that - an unknown, first-time, self-published author selling more books than J.K. Rowlings!

Tom now travels the world, sharing his Rich Habits and motivating audiences at industry conferences, corporate events, universities, multi-level marketing group events, and global sales organizations’ presentations and finance conferences. He has even spoken on the same stage with famous entrepreneurs and personal development experts, such as Sir Richard Branson, Robin Sharma, Dr. Daniel Amen, and many others.

Tom has shared his insights on various national and international network, cable, and Internet television programs such as CBS Evening News, NBC News, Yahoo Financially Fit,, India TV, Australia, and a host of others. He has been interviewed on many prestigious nationally syndicated radio shows, including the Dave Ramsey Show, Marketplace Money, and WABC.

Tom has been featured in numerous print magazines—such as Money magazine, Inc. Magazine, SUCCESS Magazine, Entrepreneur magazine, Fast Company magazine, More magazine, Epoca Magazine (Brazil’s largest weekly) and Kiplinger’s Personal Finance magazine—and various online publications, including USA Today, CNN, MSN Money,,, and the Huffington Post. Tom is a frequent contributor to Business Insider,, and a few other media outlets.

National publicity has garnered international media attention for Tom and his Rich Habits research spanning 23 countries. Broadcast media, online publications, and television throughout Asia, the South Pacific, Europe, the United Kingdom, and Central and South America have shared his powerful message.

In an effort to help parents, grandparents, teachers and adults become success mentors to the younger generation, Tom released his second book, Rich Kids: How to Raise Our Children to be Happy and Successful in Life in 2014. This book was the self-help category winner of the 2015 New York Book Festival and Runner-up in the prestigious 2015 Writer’s Digest Self-Published Book Awards Contest. In 2016 Tom released his third book, Change Your Habits, Change Your Life. This book provides the latest science on habit change as well as more of Tom's unique research on the specific habits that helped transform 177 ordinary individuals into self-made millionaires.

Besides being an author, Tom is also a CPA, CFP, and hold a master’s degree in taxation. As president of Cerefice and Company, CPAs, Tom heads one of the premier financial firms in New Jersey.
Phone Number: 732-382-3800 Ext. 103.
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  1. Muhammad Shafqat Rasool says:

    Very Helpful

  2. Hi Thomas, the steps you advise in your article are simple and doable. I’ve never thought about writing every negative belief I have and then systematically eliminating one by one.

    You mention people should write affirmations and create a future script to change these negative beliefs. Do you have an example of how to write affirmations or future scripts? I’d like to see one 🙂

  3. I think another of the myths poor people believe is that frugality is not a habit of the wealthy. That’s not true! Frugality is a characteristic of the truly wealthy, those who don’t spend on short-term indulgences. Affluent-looking people are so often totally broke. So people avoid frugality as “poor people” behavior, when in fact being frugal could change their financial life for the better, even if only practiced temporarily to meet some important goal (getting out of debt, saving for an emergency fund or down payment on a home, etc).

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