If you are 55 and not rich yet then you have beliefs around money that you need to change. People tend to get what they expect and believe in, so it is time that you asked yourself which of your beliefs on money and wealth are no longer serving you and then do something to change them.

Just because you believe something it doesn't make it true. For thousands of years most people believed that the world was flat but then science proved that to be wrong. When it comes to emotional issues our beliefs tend to be far more influenced by our upbringing and our social set than they are by any scientific evidence.

For most people beliefs about money fall into the emotional category. Poor people tend to see rich people as evil exploiters and rich people tend to see poor people as lazy and ignorant. These beliefs have been instilled by family and social upbringing and perhaps by some amount of personal experience.

Your beliefs about money are reinforced by the expressions that you use and by the type of conversations that you have. Poor people tend to have poor friends and talk about money as if it were a problem or a curse. Middle class people tend to have middle class friends with middle class views on money. Rich entrepreneurs tend to mix with other rich entrepreneurs and talk about money as if it were the scoreboard for an exciting game.

These different belief systems will determine the financial opportunities and difficulties that you see in life.

The world is so full of stimuli bombarding us at every instant that it is impossible to take everything in. In order to function in the world we have each developed filters to keep out unwanted information and let in desirable information. One of those filters is your system of beliefs.

Your belief system filters out information that contradicts your beliefs and lets in information that reinforces your beliefs. Because of this your beliefs become stronger and stronger and until you see them as a fact of the world rather than what they really are; your model of the world.

In order to change those beliefs you need to accept that they are only your personal model and are no more real than anyone else's personal model. The purpose of a model of the world is to help you survive. If you find that your model is not helping you survive in the lifestyle that you want then you should give it a good shake up and develop a new model.

If you are going to become rich then you need to see money as a good thing. You need to believe that your world is full of financial opportunity. You need to believe that you can capitalize on that opportunity. And you need to believe that capitalizing on financial opportunity is a good thing to do. If you don't believe these things then your brain will filter out the opportunities to become rich so that you don't even see them!

Take a pen and paper and start taking stock of your beliefs around money and wealth. Not the logical intellectual beliefs but the deep down emotional beliefs. When you have written down all of your financial beliefs make a decision on which ones will help you become rich and which ones you need to replace. Then write down some new beliefs and start gathering evidence to support them.