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By saying richness is a “mindset” rather than an amount of money, and that believing you can “win” is important, Ramsey suggests that true wealth comes from feeling empowered, in control of your situation, and having a winning attitude rather than simply the dollars in your bank.
His quote implies that having confidence in yourself and living according to principles like self-reliance can lead to inner richness regardless of net worth. Overall, Ramsey appears to be promoting the idea that one’s state of mind is more important for feeling prosperous than the size of one’s assets.