How does cosmic habitforce convert a positive emotion or desire created in the mind of man into its physical equivalent? It intensifies that emotion or desire until it induces the state of mind known as faith. In this state the mind becomes receptive to the inflow of Infinite Intelligence from whence are derived perfect plans to be followed by the individual for the attainment of his desired objective. These plans are always carried out by natural means.
Cosmic habitforce does not directly transmute desires for money into the coin of the realm, but it does activate the imagination to reveal to the individual a way to make the conversion through accepted procedure. This force works no miracles, makes no attempt to create something out of nothing. It helps, or rather — compels, the creator of a strong desire to carry his thoughts to completion through all possible and available natural media.
Often a person is awed by what appears to be coincidental combinations of favorable circumstances as he carries out his plans, but these strange and unexplained things happen in a perfectly natural way. Cosmic habitforce impacts a peculiar quality to your thought habits which gives you power to surmount all difficulties, remove all obstacles, overcome all resistances. Just what this power is, is a secret as profound as the secret which causes a seed of wheat to germinate, grow and reproduce itself, handing back to the farmer a hundredfold measure for his intelligent effort. You do not need to know how it works to follow the simple rules given to you for utilizing it in your affairs of life.
Source: PMA Science of Success. Educational Edition. The Napoleon Hill Foundation. 1961. Pgs. 492-493.