I recently awoke from an odd dream, that got me thinking about how we think and its impact on our lives.

In the dream, I was walking through a train station, filled with people, as you would imagine. There was a young woman (in her 20’s I would guess) asking people for money. She asked a woman who was walking near me for money. The second woman said she didn’t have any cash. The first woman said “That’s ok, your bank is right here. Let’s go in and you can get some.”

Looking a bit bewildered, the second woman was ushered into the bank and I followed (curious to see what would happen next). The woman approached the teller and said she needed some cash from one of her accounts. The first woman, overhearing this — ‘one of her accounts’ — demanded the teller write down the balances in all of the woman’s accounts…presumably so she could determine how much money she could extract from her confused “benefactor.” The teller wrote the amounts out on a chalkboard (yes, things are sometimes strange in dreams!) and the account holder stood there silently, while the first woman decided how much money she should be given. She came up with some number, and the teller began to do what he needed to do, while the second woman looked on.

This was when I felt the need to step in and object. It was a ridiculous scenario to be sure…and it was certainly none of my business what some other person chose to do with their own money.

My objection sprang from the fact that simply giving this young woman money would not solve her problems. When you have a dysfunctional relationship with money, having more of it will not solve anything; you will simply blow through it as you usually do. It’s only when you are able to change your thinking about what money really is — a tool — and how you use it that you are able to make changes in your circumstances.

I felt compelled to explain this to the first young woman, although it would probably have fallen on deaf ears. Here is just one story of a person who came into a cash windfall, and it didn’t miraculously “fix” her life…in fact, it led to a lot of other issues and challenges, and wouldn’t you know, she is no longer a millionaire!

Here’s the bottom line. If you have the yearning to become a millionaire, great! But simply acquiring the money will not make you different. If you focus on the journey and invest in the process, the more important outcome is who you become on the way to earning the money.

It’s the same principle with anything else you desire to achieve, have, do, or be…the wisest people understand it’s not about actually accomplishing the goal, it’s about who you become on your way there. If you truly want to change your life…you must change your thinking. More specifically, you must actually ENGAGE in THINKING, not simply resorting to habitual ways of thinking or allowing others to think for you.