Napoleon Hills' Cosmic Habit Force: the Power of Consistent Habits in Personal Achievement

We explore Napoleon Hill's law of Cosmic Habit Force, and his specific moneymaking habits to turn financial dreams into reality.

Napoleon Hill, the author of the classic, Think and Grow Rich, introduced the principal of "Cosmic Habit Force," which he called the climax of his entire philosophy about personal achievement.    To tap into the transformative power of Cosmic Habit Force, we'll take a look at what Hill says about moneymaking habits. 

Understanding Cosmic Habit Force

You might be thinking, "Cosmic Habit Force?"  What the heck is that?  It's a little cryptic in nature and not immediately understood by the title itself.  Think of Cosmic Habit Force as the universe's way of orchestrating cause and effect and establishing patterns.  You see evidence of those patterns in the natural world every day - in weather cycles, the ebb and flow of tides and even the celestial dance of the stars. 

Hill suggests that when it comes to humans, the patterns of our thoughts, beliefs, and actions shape the path we walk- whether those patterns lean towards the negative or positive.   What makes us uniquely powerful is our capacity for conscientious choice.  You have the incredible ability to shape your journey in either a positive or negative direction. This means that by nurturing positive habits and cultivating a growth mindset, you can steer your journey towards personal well-being and success.  

Regardless of how many success lessons, tips and secrets you get from gurus, none of it really matter if you don't develop good habits. More recent thought leaders have continued the exploration of the impact of habits in our lives.  Stephen Covey's The 7 Habits of Highly Effective People, and James Clear's Atomic Habits are two at the top of the list.

Unlocking the Power of Moneymaking Habits

Napolean Hill's insights into moneymaking habits offer a practical roadmap to turn your financial dreams into reality.  Here are the steps he outlined:

Step One:  Define Your Financial Target

Begin by creating a crystal-clear mental image of exactly how much money you aim to make.  Vague aspirations won't cut it.  Identify a concrete financial figure or a specific percentage above your current income to anchor your goal.  For a guide in writing clear and specific goals, see: Setting the Stage for Success:  The Power of SMART Goals

Step Two: Envision the Benefits

Imagine the tangible outcomes of having that money - a new home, funding your child's education, or a fulfilling retirement.  This exercise helps identify the driving forces behind your goal, aligning them with the motives that underpin your motivation.   Wondering about the science behind this concept?  Check out our blog, Is Visualizing a Bogus Practice?  Check the Science.

Step Three:  Formulate Your Earning Strategy

Remember, there's no free lunch.  Decide on a plan to earn the extra money you desire.  Having a well-thought-out strategy is essential for success.

Step Four: Put It in Writing

Document your goal and your plan.  Include the motives fueling your desire for more income.  Instead of vague statements, be specific about your aspirations, such as owning a debt-free home or traveling to a specific destination with a date in mind and the people you will be traveling with.  Set clear start and achievement dates, and treat this as a personal contract.

Step Five:  Identify Action Steps

Highlight the actions you must take to realize your goals, actions you're not currently doing.  Create a separate list of these steps, as they'll be critical in your journey.

 Step Six: Take Consistent Action

Start executing the tasks on your action list.  Some will be daily, like making a certain number of phone calls or evaluating a specific number of properties.  Others will be more long-term but require daily progress, such as going the extra mile in your work.  Dedicate your efforts and thoughts to your actions.

Step Seven: Affirm Your Goals Daily

Reinforce your goal by reading it aloud until it's imprinted in your memory.  Envision how your life will look and feel when you have accomplished your goals.  Repeat them when you wake up, start your workday, take breaks, finish your workday, and before your sleep.  This continuous repetition aligns your mind with your objective.

Harness the Power of an Accountability Team for Habit Mastery and Goal Achievement

Napolean Hill also introduced the concept of the "Mastermind."  He described it as a third mind created when two or more individuals join forces with a common purpose and a commitment to achieving their goals.  It's the secret sauce that propels success habits.  Accountability becomes the driving force, pushing each member to maintain consistency and dedication in pursuit of their dreams.  

The Investors Network Community (INC) Mastermind Program is where your own personal "Board of Directors" will help you change your habits and reach your goals. Each group of 5-7 members meets consistently to support one another’s dreams and plans, brainstorm new ideas, share resources and most importantly, provide accountability so you stay on track. Being a member of this tight-knit group is a great way to make good investment decisions and continue to grow as an investor as well as become more personally fulfilled. The brain sparks fly when the “third mind” forms as everyone comes together to explore ideas.

If you would like to learn more about the INC Mastermind Program, feel free to contact Katy who can answer your questions so you can see if it's a good fit for you.

A Mastermind group is one of the most valuable additions for your toolbox to help you achieve the life of your dreams.

Katy Fleming, Director can be reached by email at


Categories: Accountability, financial success, Goal attainment, Habits, masterminds, Personal Growth, Visioning