The Law of Success , Volume IV & V: The Habit of Saving & Initiative and Leadership by Napoleon Hill Lesson 4 - The Habit of Saving - The Law of Habit...and how you automatically apply it. - The simple two-step process to increase your earning power. - How to think and talk your way to success. - The two classes of debt...and which one you should avoid like the plague. - Why a poverty consciousness will affect your health. - The two-step process that will get rid of poverty for good. - Why you think the wrong way around when you have some money. - How saving can lead to success in other areas of your life. - The shocking truth about the savings of 98% of people. - How to assure your financial independence. Lesson 5 - Initiative and Leadership - The three assets that all great leaders possess. - A surprising way that you can get ideas off of the ground when you don't have any money. - The three keys to banishing...

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