lesson. The major difference between those who accept the limitation of daily wages sufficient only for a bare living and me is this. I demand riches in definite terms. I have a definite plan for acquiring riches. I am engaged in carrying out my plan -- and I am giving an equivalent in useful service to the value of those riches I demand -- while others have no such definite plan or purpose. Life is paying me off on my own terms. It's doing precisely the same for the person who asks no more than their daily wages. You see, the wheel of fortune follows the mental blueprint the person has set-up in their own mind and brings back to them in physical or financial measure an exact equivalent of that blueprint. Unless you grasp the full meaning of this statement of truth, you will miss the important portion of this lesson. There is a 'Law of Compensation' through the operation of which a person may establish their own relationship with life, including the material possessions they accumulate. There is no escape from the acceptance of the reality of this law, for it is not a man-made law Napoleon Hill: I can understand your viewpoint Mr Carnegie. Stating the matter in another way, may we not say that every person is where they are because of the use they make of their own mind. Andrew Carnegie: You have stated the idea correctly. The major difficulty of most people who go