Personal development is meant for ANYONE, the reason people are poor is because of their beliefs, not because of personal development, also, who needs seminars? There is tonnes of free online articles that can have much the same effect.
Due to the impact that the following piece of writing had on my belief's of this whole situation (yes I've read all kinds of things from 'Think and Grow Rich to online money blogs).
But this piece.. being spiritual in nature, has really hit the spot, because I feel that all physical things, have a spiritual side to them - and the spiritual side applies to MANY different physical things.
Read with an open mind:
9D Nibiruan Council's Money Perspective