Jane Herron looks at how to overcome your FEARS of financial loss by quoting Napoleon Hills Think N Grow Rich

THE FEAR OF POVERTY from Think & Grow Rich by Napoleon Hill

p. 331 There can be no compromise between POVERTY and RICHES!

The two roads that lead to poverty and riches travel in opposite directions.

• If you want riches, you must refuse to accept any circumstance that leads toward poverty. (The word "riches" is here used in its broadest sense, meaning financial, spiritual, mental and material estates).
• The starting point of the path that leads to riches is DESIRE. In chapter one, you received full instructions for the proper use of DESIRE. In this chapter, on FEAR, you have complete instructions for preparing your mind to make practical use of DESIRE.

Here, then, is the place to give yourself a challenge which will definitely determine how much of this philosophy you have absorbed. Here is the point at which you can turn prophet and foretell, accurately, what the future holds in store for you. If, after reading this chapter, you are willing to accept poverty, you may as well make up your mind to receive poverty. This is one decision you cannot avoid.

If you demand riches:

1. determine what form, and
2. how much will be required to satisfy you.
3. You know the road that leads to riches.
4. You have been given a road map which, if followed, will keep you on that road.
5. If you neglect to start your journey, or you stop before you arrive, no one will be to blame, but YOU. This responsibility is yours.

ALL EXCUSES ARE EQUAL

No alibi will save you from accepting the responsibility if you now fail or refuse to demand riches of Life, because the acceptance calls for but one thing--incidentally, the only thing you can control--and that is a STATE OF MIND.

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A state of mind is something that one assumes. It cannot be purchased, it must be created.

Fear of poverty is a state of mind, nothing else! People create this state of mind, and it is sufficient to destroy one's chances of achievement in any undertaking . . . a truth which became painfully evident during the depression.

This fear of poverty:

• paralyzes the faculty of reason,
• destroys the faculty of imagination,
• kills off self-reliance,
• undermines enthusiasm,
• discourages initiative,
• leads to uncertainty of purpose,
• encourages procrastination,
• wipes out enthusiasm and
• makes self-control an impossibility.

The Fear of Poverty:

• takes the charm from one's personality,
• destroys the possibility of accurate thinking,
• diverts concentration of effort,
• it masters persistence,
• turns your will-power into nothingness,
• destroys ambition,
• beclouds your memory,
• invites failure in every conceivable form;
• it kills love and assassinates the finer emotions of the heart,
• discourages friendship and invites disaster in a hundred forms,
• leads to sleeplessness, misery and unhappiness

All this despite the obvious truth that we live in a world of over-abundance of everything the heart could desire, with nothing standing between us and our desires, excepting lack of a definite purpose.

The Fear of Poverty is, without doubt, the most destructive of the six basic fears.

p. 333 It has been placed at the head of the list, because it is the most difficult to master. Considerable courage is required to state the truth about the origin of this fear, and still greater courage to accept the truth after it has been stated. The fear of poverty grew out of man's inherited tendency to PREY UPON HIS FELLOW-MAN ECONOMICALLY. (Think of AIG today)

Nearly all animals lower than man are motivated by instinct, but their capacity to "think" is limited, therefore, they prey upon one another physically. Man, with his superior sense of intuition, with the capacity to think and to reason, does not eat his fellowman bodily, he gets more satisfaction out of "eating" him FINANCIALLY. Man is so avaricious that every conceivable law has been passed to safeguard him from his fellowman.

Of all the ages of the world, of which we know anything, the age in which we live seems to be one that is outstanding because of man's money-madness. A man is considered less than the dust of the earth, unless he can display a fat bank account; but if he has money--NEVER MIND HOW HE ACQUIRED IT--he is a "king" or a "big shot"; he is above the law, he rules in politics, he dominates in business, and the whole world about him bows in respect when he passes. (Bernie Maddoff)

Nothing brings man so much suffering and humility as POVERTY! Only those who have experienced poverty understand the full meaning of this.

It is no wonder that man fears poverty. Through a long line of inherited experiences man has learned, for sure, that some men cannot be trusted, where matters of money and earthly possessions are concerned. This is a rather stinging indictment, the worst part of it being that it is TRUE.

p. 334

The majority of marriages are motivated by the wealth possessed by one, or both of the contracting parties. It is no wonder, therefore, that the divorce courts are busy.

So eager is man to possess wealth that he will acquire it in whatever manner he can--through legal methods if possible--through other methods if necessary or expedient.

Self-analysis may disclose weaknesses which one does not like to acknowledge. This form of examination is essential to all who demand of Life more than mediocrity and poverty. Remember, as you check yourself point by point, that you are both the court and the jury, the prosecuting attorney and the attorney for the defense, and that you are the plaintiff and the defendant, also, that you are on trial.

• Face the facts squarely.
• Ask yourself definite questions and demand direct replies.
• When the examination is over, you will know more about yourself.
• If you do not feel that you can be an impartial judge in this self-examination, call upon someone who knows you well to serve as judge while you cross-examine yourself.
• You are after the truth. Get it, no matter at what cost even, though it may temporarily embarrass you!

The majority of people, if asked what they fear most, would reply, "I fear nothing." The reply would be inaccurate, because few people realize that they are bound, handicapped, whipped spiritually and physically through some form of fear.

So subtle and deeply seated is the emotion of fear that one may go through life burdened with it, never recognizing its presence. Only a courageous analysis will disclose the presence of this universal enemy. When you begin such an analysis, search deeply into your character. Here is a list of the symptoms for which you should look:

p. 335
SYMPTOMS OF THE FEAR OF POVERTY

INDIFFERENCE.
Commonly expressed through lack of ambition; willingness to tolerate poverty; acceptance of whatever compensation life may offer without protest; mental and physical laziness; lack of initiative, imagination, enthusiasm and self-control

INDECISION.
The habit of permitting others to do one's thinking. Staying "on the fence."

DOUBT.
Generally expressed through alibis and excuses designed to cover up, explain away, or apologize for one's failures, sometimes expressed in the form of envy of those who are successful, or by criticising them.

WORRY.
Usually expressed by finding fault with others, a tendency to spend beyond one's income, neglect of personal appearance, scowling and frowning; intemperance in the use of alcoholic drink, sometimes through the use of narcotics; nervousness, lack of poise, self-consciousness and lack of self-reliance.

OVER-CAUTION.
The habit of looking for the negative side of every circumstance, thinking and talking of possible failure instead of concentrating upon the means of succeeding. Knowing all the roads to disaster, but never searching for the plans to avoid failure. Waiting for "the right time" to begin putting ideas and plans into action, until the waiting becomes a permanent habit. Remembering those who have failed, and forgetting those who have succeeded. Seeing the hole in the doughnut, but overlooking the doughnut.

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Pessimism, leading to indigestion, poor elimination, autointoxication, bad breath and a bad disposition.

PROCRASTINATION.
The habit of putting off until tomorrow that which should have been done last year. Spending enough time in creating alibis and excuses to have done the job. This symptom is closely related to over-caution, doubt and worry.

• Refusal to accept responsibility when it can be avoided.
• Willingness to compromise rather than put up a stiff fight.
• Compromising with difficulties instead of harnessing and using them as stepping stones to advancement.
• Bargaining with Life for a penny, instead of demanding prosperity, opulence, riches, contentment and happiness.
• Planning what to do IF AND WHEN OVERTAKEN BY FAILURE, INSTEAD OF BURNING ALL BRIDGES AND MAKING RETREAT IMPOSSIBLE.
• Weakness of, and often total lack of self-confidence, definiteness of purpose, self-control, initiative, enthusiasm, ambition, thrift and sound reasoning ability.
• EXPECTING POVERTY INSTEAD OF DEMANDING RICHES.
• Association with those who accept poverty instead of seeking the company of those who demand and receive riches.

p. 337

MONEY TALKS!

Some will ask, "why did you write a book about money? Why measure riches in dollars, alone?" Some will believe, and rightly so, that there are other forms of riches more desirable than money. Yes, there are riches which cannot be measured in terms of dollars, but there are millions of people who will say, "Give me all the money I need, and I will find everything else I want."

The major reason why I wrote this book on how to get money is the fact that the world has but lately passed through an experience that left millions of men and women paralyzed with the FEAR OF POVERTY.

What this sort of fear does to one was well described by Westbrook Pegler, in the New York World-Telegram, viz:

"Money is only clam shells or metal discs or scraps of paper, and there are treasures of the heart and soul which money cannot buy, but most people, being broke, are unable to keep this in mind and sustain their spirits. When a man is down and out and on the street, unable to get any job at all, something happens to his spirit which can be observed in the droop of his shoulders, the set of his hat, his walk and his gaze. He cannot escape a feeling of inferiority among people with regular employment, even though he knows they are definitely not his equals in character, intelligence or ability.

"These people--even his friends--feel, on the other hand, a sense of superiority and regard him, perhaps unconsciously, as a casualty. He may borrow for a time, but not enough to carry on in his accustomed way, and he cannot continue to borrow very long. But borrowing in itself, when a man is borrowing merely to live, is a depressing experience, and the money lacks the power of earned money to revive his spirits. Of course, none of this applies to bums or habitual ne’er-do-wells, but only to men of normal ambitions and self-respect.

Think and Grow Rich was published in 1937 at the end of the Great Depression.