I agree with Shamou and Akashic_Librarian.
Instead of thinking "I am a millionaire" for example, I instead think "I am making my first million." That avoids the problem of self-delusion, and it's in present tense. Plus, it feels much more doable.
Also, people who don't believe in themselves won't believe in their positive affirmations. It doesn't matter how much I believe I am making my first million if I don't believe in myself in the first place. So, I think a lot of this is a self-esteem issue that should be addressed first.
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