"Wealth is simply a subconscious conviction on the part of the individual" — not a balance sheet, but a standing inner posture. "The feeling of wealth produces wealth." Murphy treats the subconscious as a universal bank that pays compound interest in both directions: "To him that hath the feeling of wealth, more wealth shall be added; to him that hath the feeling of lack, more lack shall be added. Your subconscious multiplies and magnifies whatever you deposit in it." Hence two prohibitions: no "blank checks" — "There is not enough to go around" is a signed order for scarcity — and no envy, because condemning someone else's wealth programs the crew to steer yours away from you. Affirmations fail when the conscious mind detects a lie ("I am wealthy" while broke creates conflict), so Murphy prescribes affirming the process instead: "By day and by night I am being prospered in all of my interests" — which no inner skeptic can argue with.

— In our words · Source: The Power of Your Subconscious Mind (Joseph Murphy)