Perceived mindsets affect your ability to creating wealth. If you dare, give this example a try. If you own your own home, walk around the home, barefoot if weather permits this time of year. Walk slowly around the perimeter and carefully observe the property. Then take a moment and reflect how long you believe the dirt surrounding the property has been there. What’s your answer? How long do you think the dirt will be there in the future? What’s your answer now? Finally, ask yourself whether or not you own or merely possess the property? Do you see how your answers affect your perspective?

Let’s take this exercise a step further based upon some additional circumstances that may change your previous answers. Have you paid for your mortgage in full, owning the title free and clear? Are you paying on a mortgage with the hopes of obtaining a free and clear title? Now, ask yourself an entire new set of questions. Do you own the property or only possess the property?

Depending on your answers to this intriguing exercise will determine how you treat each financial decision related to how you treat money. Are you an owner of financial resources or simply a manager, trustee, or steward of someone else’s resources? Your wealth path could be written from merely looking at your checkbook. Your entries reflect your mindset between ownership or stewardship. Your goals, relationships, priorities speak volumes by those entries. Take a look now.

Spending decisions reflect your BELIEF SYSTEM! How have you handled financial resources? What is your sole objective for creating wealth? Are they to provide for you, benefit you, or for others?

We are constantly in a growth process. Learning to create wealth is no different from any other life lesson we experience. In my opinion, those successful individuals creating wealth use their financial resources as a tool, a test, and for a testimonial. Money and material possessions are effective tools to help you grow personally. What are you to learn from the process? This is a question I personally ask myself all the time. Financial decisions test your belief systems every single day. Look at your checkbook entries again to see what I am talking about, yet how we use our current financial resources relays our personal testimonial of our growth process. For example, have you considered why some wealthy people continue to be wealthy vs. a struggling person may continue to struggle and live hand to mouth?

To close this month’s series, I’d like to pose another thought until next time. Creating wealth has little to do with the amount of financial resources you start out from. This is not important. It’s what we do with it from this point forward that does.

Next month we’ll take a look at what a good steward looks like including a discussion test. Until then….

About the Author:

Dr. John (“Dealey”) Carpenter Dealey is an International MasterMind expert, business mentor, entrepreneur, philanthropist, author, speaker and self-made millionaire. He is dedicated to helping people solve problems, reach goals and soar to new heights of success using the marvelous powers of mastermind and laughter. To learn how mastermind can help you create a life you love, go to: or:

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