Eker is specific about how the financial blueprint is formed. He identifies three channels. Verbal programming: the specific things you were told about money during childhood. 'Money does not grow on trees.' 'Rich people are greedy.' 'We cannot afford that.' 'Money is not important.' 'It is better to give than to receive.' Each statement, repeated often enough, installs a belief that becomes part of the blueprint. Most people have never examined these statements to ask whether they are actually true or whether they are serving them. Modelling: the financial behaviour you observed in the people closest to you. Children learn by watching. If you grew up watching someone handle money anxiously, recklessly, or with shame, you absorbed those patterns even without being told to. If you watched someone discuss money openly, invest confidently, and treat wealth as a natural and welcome thing, you absorbed that instead. Specific incidents: emotionally significant events around money that left a lasting impression. The experience of sudden financial loss. A public embarrassment related to money. A moment of exceptional generosity that changed how money felt. These incidents punch through the general background of verbal and observed programming and create specific, vivid beliefs. Understanding which channel produced which belief is useful because different beliefs require different approaches to change. Verbally programmed beliefs respond well to new statements deliberately installed. Modelled patterns often require observing different models. Incident-based beliefs sometimes require specific emotional processing.