Money beliefs aren’t just numbers in your bank account—they are subconscious scripts written in childhood, often shaped by significant emotional experiences. These old stories whisper in your ear as an adult, influencing how you earn, spend, save, and invest. Maybe you’ve heard sayings like “Money is the root of all evil” (a misquote by the way—the original verse in 1 Timothy 6:10 refers to greed, “the love of money is the root of all evil”). Or perhaps you grew up with classics like “Money doesn’t grow on trees” or “A penny saved is a penny earned.” These ideas, picked up from parents, teachers, and culture, can either hold you back or propel you forward.
I know this firsthand. For years, I was stuck in a limited money blueprint until I crossed paths with T. Harv Eker back in 2001. His Millionaire Mind Intensive cracked open my thinking, and his book Secrets of the Millionaire Mind (still free to read on the Internet Archive) completely reshaped how I viewed wealth. Those principles helped me rewire my financial mindset, and within a few years, I stepped into a whole new category: accredited investor.
So, what does that mean? In Canada, under National Instrument 45-106, accredited investor status is granted if you meet any one of these financial criteria:
• Financial Assets Test: You (alone or with a spouse) own financial assets worth more than $1,000,000 before taxes, excluding your primary residence.
• Income Test: Your net income before taxes exceeded $200,000 for the past two years (or $300,000 combined with a spouse) and is expected to do so again this year.
• Net Assets Test: You own net assets worth at least $5,000,000, including the equity in your home.
• Corporate Minimum: You control a company with at least $150,000 in retained earnings and majority ownership by family, friends, or close business associates.
Each of these definitions has its own nuances, but the point is this: once you qualify, the door swings wide open. Accredited investors have access to private equity deals, alternative investments, and opportunities that aren’t available to the general public—often with the potential for double-digit returns.
Shifting your money blueprint from limited thinking to accredited-level action isn’t just about wealth—it’s about choice. It’s about creating freedom for yourself and your family and playing the financial game at a higher level. It takes intention, strategy, and discipline, but the rewards are worth it. Start now, and give yourself the gift of possibility. Make becoming an accredited investor a priority today.
