If you are new to personal development programs, I suggest that you read some of the suggested books in this website. Specially I like the book written by Jack Canfield called SUCCSS PRINCIPLES and the book by John Assaraf called THE STREET KIDS GUIDE TO HAVING IT ALL. I would also suggest you to read SECRETS OF THE MILLIONAIRE MIND by T. Harv Eker.
I am not promoting any of these books, but based on what you have written I thought you are new to these types of concepts.
best regards
