A recent caller to my radio show shared how frustrated she and her husband were because the home they purchased after renting for twenty years continues to decrease in value. Are you planning on selling your house in the very near future I asked? No, they replied. Then what does it matter?  Listen up-----I don’t mean to sound cold or indifferent but the fact is that the value of anything is based on what a buyer will pay at the time you sell! I applauded the caller for finally taking the steps to secure their financial future by purchasing a home. Far too many people allow current circumstances and other people to influence and prevent them from moving toward achieving their dreams. You know who and what I’m talking about---those people sitting on the sidelines out of the game telling everyone who will listen why they shouldn’t make a move because of everything that can and will go wrong. These people are dream killers who wouldn’t see an opportunity if it fell on them. How do you prevent yourself and others around you from adopting this unwealthy mindset?  Acquire the habit of seeing every problem you encounter as a potential opportunity.

Wealthy Mindset Tip #1 Magic Johnson ventured into Urban America where the headlines said there was only crime and poverty.  He on the other hand saw an oasis of opportunity for providing his community with movie theatres and coffee houses.  Are there other products and services that could add value to the people in your community that no one else has discovered yet?

Wealthy Mindset Tip #2 Baby boomers make up the largest segment of the U.S. population and are turning age sixty every 7 seconds.  That’s a startling statistic and you should be thinking about what product or service you could create to address an aging population. Perhaps it’s eldercare or a concierge business focusing on running errands like grocery shopping or chauffeuring.  Statistics can help you identify certain trends and more importantly opportunities.

Wealthy Mindset #3 “I keep bouncing checks and can’t seem to get a handle on my finances.” This is the complaint that I hear most often from the callers to my radio program.  Well did you know there are people called Daily Money Managers (www.aaddmm.com) that organize bills and create budgets for people who don’t or never learned how to manage their money?  Listen to common complaints and if you can come up with a solution you are on your way to a wealthy future.

So the next time someone comes to you complaining about some problem or telling you why something can’t or won’t happen simply flip the script.  Determine if lots of other people are encountering the same problem and create a product or service as the solution. Adding value to others is the real secret to building wealth.

Deborah Owens is a Wealth Coach on My Genration TV and is on a mission to financially empower one million women through the http://apurseofyourown.com campaign. She has toured nationally with Bishop T.D. Jakes God's Leading Ladies, The Department of Defense Financial Readiness Challenge. Visit her website at http://deboraowens.com