Who wants to be a millionaire?

Flitting between England, Dubai and Mumbai, Arfeen Khan coaches clients in the art of making, retaining and multiplying money. He is a life and financial coach rolled into one, and the author of The Secret Millionaire Blueprint. In the 17 years that he has been a coach, Khan says 80 per cent of people he has encountered have grown up believing either that money is hard to make, or that it is the root of all evil. "These thoughts are rooted deep in our subconscious, and have overtaken our thinking," he says, asking, "What's wrong with making money? Stop feeling guilty if you desire to make loads of it."

The workshop he conducted in Mumbai over the weekend saw him address corporates, young professionals, homemakers and students, sharing with them the million dollar thinker's blueprint."If fear, lack of clarity and knowledge are reversed, you are on your way to being a financial genius," he promises.

Here's the Khan's blueprint, designed for Mirror readers.

Chase clarity

Nine out of 10 people, says Khan, have no idea what they will do with their lives. "It's always, `I want to make money, enjoy time with family and go on a few holidays a year'," he shares.Interestingly, every rich and successful person you'll meet will be clear about goals to achieve.The problem, he believes, is linked to confused identity. "When you ask them, `Who are you?' they'll tell you what they do.

Very few end up describing their character."

Define your circle

People you associate yourself with have a profound impact on how you will think and behave. It's important then to choose your circle of influence judiciously. This doesn't mean you stalk those with an eight-figure bank balance. "Not every successful person has money to show for it," argues Khan. "But they are happy, contended, comfortable and good at what they do."

Your associate could be a storyteller, musician or an artist, not making pots of money, but still very successful. Learn from their skill set, and apply it to your life.

Find a compelling reason

Look at the successful Richard Branson, Nelson Mandela, Mahatma Gandhi. They didn't just have a reason; they had a `compel ling' reason, and it helped them achieve success in whatever they were seeking. "You must wake up in the morning thinking about that compelling reason to motivate you. It's what'll drive you to go to work. It has to be a reason more compelling than, `because it pays my bills'," he says.

Turn into a money manager

All monetarily successful people have great money managing skills. "But investing money is not enough", says Khan. "You have to be specific, and have clarity on what you'd like to do with the cash at hand. Rich people know exactly how and when to invest in the right assets," Khan observes. Everyone who is financially successful