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Welcome to reThinkable – my Sunday newsletter where I share actionable money tips, strategies, and resources to help you make smarter money moves.

Read time: 3.5 minutes

Hey {{ name | friend }},

I have a controversial opinion: being rich is a choice.

I know… that sounds like something your boomer grandpa would say right before telling you to “just work harder.”

But let me explain.

I didn’t grow up with money. My parents worked multiple jobs (including the weekends) to make ends meet. I even remember watching my mom cut napkins in half so we would have “twice as many napkins.”

There was nothing about my childhood that screamed, “this kid’s going to be rich.”

Today, I run a successful media business that helps millions of people every month get on the path to financial freedom.

It’s not that I’m exceptionally smart or charismatic (but if you think I am, I always love to hear it)… it’s just that I decided I wanted more.

And I remember exactly when I made that decision.

I was 14 and coming home from school on a rainy day. I slipped and fell right outside the bus stop, and cracked my glasses.

When I told my mom, she just sighed. 

She’d been saving up to get new tires for the car. They were worn down, but she kept putting it off to stretch the budget.

Now, because of my glasses, she’d have to delay it again.

She never made me feel guilty. But at that moment, something hit me hard.

I thought, I don’t ever want us to ever have to choose between glasses or car tires. Between groceries or seeing a doctor. Between… anything we need really.

That was the moment I decided: I will be rich.

Not because I wanted fancy cars and clothes, but because I didn’t want my parents to worry about money again.

Obviously, I didn’t snap my fingers and become a millionaire 9th grader, but that decision set me on a path.

Today I’m gonna tell you why deciding to be rich matters way more than you think.

The Law of Attraction

The Law of Attraction is the belief that your thoughts and energy shape the reality you experience. Basically, what you believe has a way of showing up in your life.

When I first heard this I thought it was a bunch of woo-woo nonsense. It felt 1 step away from saying, “If you believe hard enough, you can fly.”

But the Law of Attraction isn’t magic—it’s psychology.

When you believe something is possible, your brain starts actively searching for proof.

Let’s say you believe you can land a better-paying job. If a coworker mentions they’re switching companies, instead of just nodding along, you’re genuinely curious. You ask questions about their new role, and they end up offering to put in a good word for you at their company. The opportunity was always there, but your mindset made you receptive to seeing and acting on it.

When I chose to be rich, I chose to be a little delulu.

I asked myself: What do rich people actually do?

They go to fancy schools. They network with other rich people. They get degrees that open doors I didn’t even know existed.

At the time, my grades were… okay. But I didn’t let it stop me.

I told myself, “I’m getting into a school that’ll help me get rich. Period.”

So I studied like my life depended on it.

Applied to every school and scholarship that could help me get those connections and opportunities.

But being delulu made me confident to see my goal as possible.

And I got into a great school with a full scholarship (sorry for the humble brag).

Choose to be Rich

Choosing to be rich isn’t about saying it once and hoping the universe handles the rest.

It’s about believing it’s possible and working hard to prove yourself right.

You act on what you believe. Then those actions make you believe it even more.

Here are 3 things to do if you choose to be rich today:

  1. Read The Psychology of Money: This book won’t teach you how to manifest a Ferrari, but it will help you get your head in the right place. I think this is in my all time favorites because it focuses on how your behavior is the #1 ingredient of wealth. And guess what affects our behavior the most? That’s right, our mindset.

  1. Find your Money Map Score: If you don’t know where you are, you’ll never get to where you want to go. The best way to get visibility is to find your Money Map Score which tells you how well your currently doing (financially speaking).

  1. Write it into existence: Did you know that writing down a goal makes you 42% more likely to succeed? I will make this step super easy for you— reply to this email with “I WILL BE RICH” to make that choice.

To making smarter money moves,

— Vincent Chan

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Vincent Chan

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