To translate the different tiers of how one "thinks" about money... - if you think about money, you might have a savings account. If you have a goal, you might have a retirement account. If you plan to your goal, you'll probably have a financial plan. This is almost exactly how the population distribution works with money, regardless of income range or society. Some people break this mold, yes, but on average that's how it works out. And of course, within each category are those that have made more tangible steps - automatic withdrawals, for example... I think of those as planning since they are simply a single act that projects into the future. It's probably better than writing something down, except that most people forget about the rest of the plan they need.
Is it easy? To achieve the goal, all you have to do is sacrifice the goods and services you could have now. You may not reach "the" goal, but that's the first step towards it. That's really not that easy, and that's from someone who is probably far more uptight about money than anyone else here. And it's not that easy to take an average salary and turn it into 1 million in anything less than 25 or so years. Not without a heavy burden imposed upon your lifestyle.
But back on the secret... the secret effectively says that if you think about money, money will show up. That's like hoping you'll win the lottery. It can happen, and just by buying the lottery you may win... but it's really not that effective. But of course, not to discourage positive thinking... but really, it's better to be realistic and with a plan than optimistic and full of energy.