This short Chapter talks briefly but usefully about how you are responsible for the events in your life and how you can begin to clean up your consciousness (your thinking).  It is your thinking which is a key to a better life.  If you think true, positive thoughts you will get a return.  Your life will improve.  If you think negative thoughts which in my head occur automatically, then you will get negative returns.  You know the drill: fear, resentment, misery, self absorption (that sort of category).  The return on this kind of mentality is not only negative feelings but negative results.  The loan won't go through.  You may lose your job.  We are our own worst enemies.  This short chapter explains how you can change your life for the better..