Jerry Gillies says some of the most outrageous things about money. But if you want to get rich, he argues, you've got to become a believer.

Such as:

Loafing is one of the most creative, money-producing things you can do.

Making a million dollars is the simplest thing in the world.

Why deny yourself the most expensive item on a restaurant menu? Spend the extra bucks. You deserve it.

Shopping around for bargains can be a waste of your valuable time.

Putting away money for old age will gurantee that you'll get old.

Hard work won't make you rich or financially secure.

Gillies, it's obvious, is not your ordinary gray pin-striped financial adviser perched protectively in front of the bank's vaults. He is the proponent of the "prosperity-consciousness" philosophy that you can think your way to riches. He details this in his book, appropriately titled "Moneylove" (Warner paperback, $2.50, 207 pages), and in seminars he gives around the country.

"Thinking poor will keep you poor; thinking rich will make you rich," he says. Well on his way to a million bucks, he (at 39), lives comfortably on a houseboat at snug Harbor, North Miami Beach, with a woman friend and their Persian cat.

The cat was an impulse purchase, the kind you ought to make once in a while to convince yourself you're in the money. It was "ridiculously expensive -- $300," he says, "but it has given me 10 times the pleasure."

Too many people won't strike it big because they are locked into negative thinking about money, he claims. Often they learn about spending and saving from their parents who experienced the Depression and never got over it. "The more you do contrary to what your parents told you (about money), the better off you'll be," he says, perhaps not entirely seriously.

You're thinking poverty, he says, when:

You deny yourself a small pleasure such as the top-priced item on a menu "because I can't afford it." That is "like swallowing poison in terms of what it is doing to your subconscious. . ." No matter what his family's financial situation was, he recalls, they always ate out at a restaurant on weekends and took an out-of-town vacation every year.

Or when you "feel you have to rush in and buy gold, stocks or real estate because they'll diappear if you don't." There will always, he says, be opportunities.

So far as a lament such as, "If only I had bought that house 20 years ago, think of the money I could have made," Gillies calls that poverty thinking, too. You probably couldn't have afforded it then, he says. "But you may be able to now. So buy now."

To think positively about prosperity, according to Gillies, you should tell yourself such things as:

A lot more money is flowing into my life. I deserve it and will use it for my good and that of others.

No matter what I do, my financial worth increases every day.

I have an unlimited number of valuable ideas in my consciousness.

Ideas, not hard work, are the key to making good money.

"Most people end up, after working 40 hours a week, barely surviving on a retirement pension or Social Security payments. The only way to get ahead financially, and be able to enjoy it, is to come up with services and products and ideas worth money." That's the road to your first million.

To come up with ideas you should take time off to think. That's creative loafing," says Gillies. Give yourself a day or a week or more.

"I can come up with brilliant ideas, and some even seem brilliant the next day." An idea for a TV series on psychology ("Doctorlove") that took him only a couple of hours to develop earned him $10,000, he says, and might eventually bring more.

Gillies points to the people who bought up the airline-discount tickets and resold them at a profit as a recent example of a good money-making idea. "That took organizational skills and paying attention to what's going on," qualities of value in any work. The gas crisis generated other money-producing ideas for others.

Another important aspect of prosperity-conciousness is liking what you are doing. "Then it's not work." To Gillies, hard work connotes "doing drudgery with your nose to the grindstone." If you don't like your work, he suggests doing something additionally that you do like that will bring in money.

When you save money, and he believes it is important that you do, don't put it away for something negative like old age or sickness or disaster. "This associates money with pain in your subconscious." Save it for something attractive, such as a major purchase, a trip or financial independence.

One more controversial piece of advice. If you want to avoid instilling poverty-consciousness in your children, "Don't send them through college," says Gillies. "Let them pay their own way. It's a disservice to them that perpetuates the myth that you have to take care of them."

And an observation. "The more you are willing to share your prosperity the more money will come to you."