The Law of Success , Volume IV & V: The Habit of Saving & Initiative and Leadership by Napoleon Hill Lesson 4 - The Habit of Saving - The Law of Habit...and how you automatically apply it. - The simple two-step process to increase your earning power. - How to think and talk your way to success. - The two classes of debt...and which one you should avoid like the plague. - Why a poverty consciousness will affect your health. - The two-step process that will get rid of poverty for good. - Why you think the wrong way around when you have some money. - How saving can lead to success in other areas of your life. - The shocking truth about the savings of 98% of people. - How to assure your financial independence. Lesson 5 - Initiative and Leadership - The three assets that all great leaders possess. - A surprising way that you can get ideas off of the ground when you don"t have any money. - The three keys to banishing procrastination from your life for good. - The secret of why you remain underpaid...no matter what you do. - The two brands of leadership...and which one leads to absolute failure. - The most important word in the English language. - How a great soldier"s amazing 17-page analysis will change your views on how to become a leader. - The only way for you to achieve lasting happiness. - The chief reason why you don"t reach decisions. - The four Laws that will allow you to build plans for anything that will guarantee their success.