Secrets of the Millionaire Mindset by @AnnVertel

by Ann Vertel, Ph.D. | Featured Contributor

Over 90% of U.S. millionaires are self-made business owners – entrepreneurs who embrace the millionaire mindset. The first element of any change is awareness. Discovering where you got your “money story” and how that determined whether you think like an employee or like an entrepreneur is the first step in becoming aware of how you really think about money. In order to develop a millionaire mindset you must stop judging what you truly want.

Money does not equal bad, evil, selfish, immoral, unethical, stingy, money grubbing, selfish, lucky, or being too good for other people. Money is just a tool.

The people saying money isn’t important are not the people who have it. Wealthy people know money is important. You can think faith, family, and integrity are important AND you can think money is important. They are all important. You can be rich AND you can be good. You can be both.

As a matter of fact, having money will not change you; it will only make you more of what you already are. If you’re stingy now, you’ll be even stingier when you are richer. If you’re abundant and generous now, you’ll be even more so once you’ve achieved wealth.

We get our conditioned money imprint – our “programming” if you will – from parents, relatives, schools, coaches, and neighbors. Most of us were not taught the skills necessary for entrepreneurship – risk, making mistakes, creativity, authenticity, reinvention – we were taught to be a good employee, to not rock the boat, and to stay neatly in our box. We were taught not to think we were better than everyone else unless we could prove we were according to the values and parameters set by the organization.

Wow, think about that. We were only valued if we “fit in.” This absolutely flies in the face of entrepreneurship. Institutions value obedience, good grades, and homogeneity.

Entrepreneurs value ideas, creativity, mistakes and resilience, passion, authenticity, abundance, and a growth mindset.

Growing up, you heard specific messages about money and those who had it. These messages were both overt and covert, but you learned very quickly how you were supposed to think.

Those messages play like a song stuck your head and support, not who you are, but who you learned to be. The importance of those messages only has the meaning you give them.

Ask yourself,  “What is the recording in my head that describes my own personal relationship with money?” Start with, “When it comes to money, I am…”

It’s important to know your money story because you will always validate your conditioned imprint with your behavior and people will only pay you what you think you’re worth. But understand this, no matter what you were taught, your earning potential is only what you think it is and that means you can change it.

You don’t need permission to be wealthy and no one else is going to do it for you. Stop waiting for prince charming, the cavalry, your spouse, the lottery, or a dying relative to make you rich. You already have everything you need to be enormously successful – now go be a millionaire.

If you’d like to reinvent your life and embrace your inner rebel, I invite you to register for my FREE 7-day “Take Back Your Life!” video series right now at

If you’d like to know how to develop your Millionaire Mindset in 4 simple steps, check out

Be bold!


Ann Vertel, Ph.D.
Entrepreneur Mindset Expert

Dr. Ann Vertel is an entrepreneur mindset expert and success psychologist who helps business owners embrace the core competencies of success so they can shatter their limiting beliefs, think bigger and bolder, and transform their lives into a stroke of genius!

After a successful twenty-year career as a Naval Officer, Ann decided she wanted her second career to be one where she made the rules. Her mantra became, “My rules. My hours. My dress code.”

She teaches women to embrace who they really are, profit from their experience, and build highly lucrative online businesses. She believes women should take charge of their financial future in order to create more independence, earn what they’re worth, and have more choice in their lives and the lives of those they love.

Ann is a writer, speaker, trainer, and consultant, and is the leading academic authority on the success factors of online women entrepreneurs.

You can connect with Ann on Facebook, Twitter, LinkedIn, and Pinterest.

6 Replies to “Secrets of the Millionaire Mindset by @AnnVertel”

  1. Alicia Murphy

    I LOVE reading your posts and watching your videos. I always come away feeling inspired and ready to rock it! This article is coming at a perfect time for me today because I feeling overwhelmed and honestly, my attitude this morning was sub-par. Mindset is definitely where it’s at. Thank you for this Ann!

    1. Ann Vertel

      Hi Alicia,
      Wow, what a wonderful comment – thank you so much! I have those sub-par days too (more often than I’ll admit!) and shifting my mindset is always the key. Of course, it usually involves a good workout, a green smoothie, and some fun music to help it along 🙂 Rock your day and be bold!
      – Ann

  2. Ruth Zive

    So true. So validating. I’m bookmarking to come back to this post for affirmation when I need it!

    1. Ann Vertel

      Thanks, Ruth, glad you liked it. Great website too, by the way, I plan to peruse it further 🙂
      Rock your Monday!
      – Ann

  3. Stephanie Cooper

    Thanks for this post, Ann. You just changed my ENTIRE day!

    It’s funny because I can help other people change their lives, but get stuck on this particular issue when it comes to myself. You are absolutely correct in saying it comes down to how we were programmed to think about money (and the people who have it). I think, for me, it’s not that I necessarily think that money, or those who have it, are bad (I know many very wealthy people, and I like them, and know they are good folks), but rather, a) I’ve decided that I don’t deserve it for some strange reason (not true!), and b) I’ve spent a lifetime of having to equalize my internal playing field by telling myself that I am not worse than them because I have no money (which *is* true). However, once you make it okay to be broke, and regularly console yourself using that affirmation over many years, that just becomes who you ARE: broke. lol. I know this, yet… :-/

    So much old (dirty) psychology gunking up the place, lol… But, as they say, *you can’t coach yourself*, so no matter how much I do to help others grow, I would have to agree…

    Thank you for sharing this! I look forward to exploring all of your other posts!

    ~Stephanie Cooper

    1. Ann Vertel

      Hi Stephanie,
      Thanks for your wonderful comments 🙂

      It is ironic we can help so many other people with our wisdom, and yet still have certain areas where we just can’t get out of our own way!

      If you’re in the service business, any time you equate money with your own self worth you’re going to run into trouble. People don’t pay you for who you think you are – they pay you for the transformation they experience while working with you. From the looks of your site, it appears people may go on suffering intensely by NOT working with you. And that’s what your service is truly worth 🙂

      Wishing you the best of success!
      Be bold!

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