What you need to do to become rich. Invest in your development

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Conversations on "how to get rich" are a hot topic of discussion in society. This is a really broad and quivering question that you can write a whole book about and still not tell everything. In this article, we will highlight the highlights and answer the following questions:

How successful people came to their wealth
How to start your journey to millions
Why you can't get rich

For those who are just starting to face such questions, some points will cause disagreement. All of the tips below work together. I advise you to start at least to think about the material you have read.

If you are reading this article, then most likely you are not rich enough yet, which means you need to change something in your life. And you must first of all change yourself, your way of life and thinking. Read this article more than once to consolidate all the thoughts stated.

Many books have been written about money and wealth. It makes no sense to read everything, since in almost each of them the same ideas are pursued, which are simply told in different words... I have read a lot of such literature in my life and I can say with confidence that most of these tips really work.

Unfortunately, not all of us are destined to be rich. Many people just say: “I want to be rich,” but in his heart he is afraid to start changing and he in every possible way misses opportunity after opportunity, because he is comfortable complaining about life and others. He's just used to it and he's scared to step out of his comfort zone. But on the other hand, it is good that there are such people, because in this case you will have less competition on your way.

The best books on this topic will be listed at the end of this article. In the meantime, I want to give you working advice for achieving wealth.

The main question that you should get an answer to in this chapter is "how can a poor person get rich". The path to wealth lies in changing your outlook and routine. Let's consider the most basic concepts for achieving wealth.

To become a wealthy person, you need to change yourself, change your habits to the habits of the rich. The results will not be visible immediately, so you need to follow them constantly, otherwise the habits of the poor will again drag down.

Check out the list of the habits of rich people. Surely, you have never done more than half.

What the rich do and the poor do not:

Are engaged in reading and self-development (read one book per week)
Have the correct daily routine (go to bed and get up at the same time)
Play sports and eat right
Do not drink alcohol (or in minimal doses)
Learn new things (always in trend of the current situation and trends)
Do not watch TV, do not sit on social networks, and even more so do not play computer games

Do you think this list is "bullshit"? So you are just subconsciously looking for reasons to justify your "poverty". Anyone has a chance to change themselves. Every person who has achieved outstanding results has given up many things that the poor always chase and dream about.

Wealth does not mean drinking beer and pizza and watching TV. This way of life will kill anyone in a couple of years.

If you give a poor man a million dollars, then, most likely, he will "squander" them rather quickly on useless purchases. The point here is poor financial literacy.

You don't have to go far for examples. How many times have an ordinary US resident won the jackpot in the lottery (this is an amount of tens of millions of dollars). It would seem, what could be better? Now his life was supposed to be a fairy tale. Many poor people dream about it. However, after this gift, in the life of the lottery winner, on the contrary, some problems began that led to the complete collapse of the personality. At the same time, the problems are not related to the fact that the amount of money is not enough for happiness. After all, no matter how much money they give him, he will still lose it and at the same time remain unhappy.

A financially literate person, even with a much smaller amount (for example, $ 1 million), will be able to live comfortably for the rest of his life only because he can correctly invest them in assets that will bring him income. And he will live on interest from this money. Yes, even if it will not be huge amounts (for example, $ 2-5 thousand per month), but it will be stable until the end of your days.

This is one of the most important rules of wealth:

Money makes more money, so the rich get richer

The poor, on the other hand, spend money only on passive purchases. "Passive" means that they buy only what needs to be kept in the future and only spend money (yachts, expensive palaces, cars).

Rich people accumulate assets and reduce liabilities. The poor never accumulate assets, but on the contrary spend their last money on liabilities.

For more information about the concepts of assets and liabilities, read:

Anyone can become rich and live only on the interest of the investment. Successful and famous billionaires such as Warren Buffett, Bill Gates, Robert Kiyosaki have proved this by their personal example.

If you constantly invest part of your income in assets, then over time this money will turn into millions. Any of us can have $ 1 million in his account in 10 years if he starts saving at least 10% of his income right now. With this money, you need to buy financial assets such as stocks, bonds, cryptocurrency.

With this simple approach, the fortune will grow exponentially. And all thanks to compound interest (we get a profit on investments, then we get even more profit with this money simply by reinvesting the interest).

If you do not have a large start-up capital, then the following rule is for you:

Wealth comes with time (10-20 years). At the same time, your condition will grow faster every day.

Let's highlight the main concepts: where to start your path to financial wealth:

Save
Put off
Invest (read: what to invest in, investing in securities)
Look for new sources of income

You have to be the best in any business. And you can start to be the best right now at your current job.

You must work harder than others and do your job perfectly. Stay at work longer to complete all tasks to the end and with high quality... Such an impulse will not go unnoticed. In a short time you will be promoted and paid more.

Many will argue that "this approach does not work for their work." However, few people are able to communicate their ambitions to their immediate supervisor. If he does not offer anything in return for your hard work, then this is a reason to look for another job where your aspiration will be noticed and duly rewarded. Not all employers stick to their key employees. Therefore, you shouldn't worry too much about such businessmen. They can never develop because of the wrong attitude towards their workers.

However, in a regular job, you will hardly be able to earn as much money as you would like. And there are many important reasons for this: you initially work for another person (company owner). Therefore, always strive for leadership positions, or start your own business (for example, a franchise).

Don't sell your time cheap!

Time is the only resource that we use exclusively at our discretion. The amount of time given to us from above is the same for the rich and the poor. Dispose of them wisely, with maximum benefit.

Do not forget about regularly saving part of your earnings for trading on the stock exchange and other investments. This is the path to financial independence.

There is a famous phrase from Rockefeller

Those who work constantly have no time to earn money

Therefore, in addition to work, look for other ways to increase your capital. I recommend looking for your chance in trading stocks, currencies and bonds.

Each of us periodically has problems both in life and at work. But are they so scary? Or can you still strain and solve them?

Most of the problems are solvable (you must agree), but because of our brain laziness, we are trying in every possible way to simplify everything so as not to strain again. In the process of evolution, nature has made it so that a person does not strain his brains just like that, because he "eats" a lot of energy. Most of us are not Einsteins. That is why we are so lazy by nature and always seek and will seek only easy ways.

Personal development only happens when you leave your comfort zone, so an important rule for successful people is:

Don't run away from problems. Solve them!

Risks can arise in many areas of life for each of us. For example:

Investment (we invest our money to eventually get more, but no one guarantees success)
Change of occupation. Many are afraid to take risks - what if it gets worse, etc. This insecurity slows you down. There is only one life, so we must act now.

To achieve your dreams, you need to take risks. There is a wonderful saying:

Take risks or dreams will remain dreams

Note

Most likely, 20% of your efforts give 80% of your income. Think, maybe you can improve this 20% and get more? In any business there is something to improve and optimize.

Look for new sources of income. The thinking person will always have ways, and the whiner will always have excuses.

The rich never stop looking for new sources of income. They regularly increase their number. The poor tend to spend a lot.

Also one more rule:

The rich calculate how much their hour of work costs. The poor are guided only by the monthly salary.

1.11. Develop throughout your life

Development should take place in all areas of activity: sports, education, communication, the acquisition of new skills. Successful people constantly evolving and never stop.

At the same time, it is important to regularly change the field of activity. A person cannot constantly read, play sports, work, travel. He needs pauses, a change of scenery. The best life is the harmony of not much.

1.12. Set big goals

Set goals that are greater than your desires, because there must be some margin.

As you know, the higher your goals, the more results you can achieve.

If you want to earn 1 million rubles a month, then set the bar for 1.5 million rubles. Always have a margin.

1.13. Find a financial mentor

Finding a financial mentor is not easy. How and where is it worth looking for? Everyone has their own situations in life. Perhaps you are surrounded by some "rich", and maybe vice versa.

Either way, try to take a closer look at your surroundings. Which of your friends and acquaintances is the richest? Ask him to talk about his success. Most likely it will be simple story... It is important not to copy his activities, but psychologically for himself to understand how easily he was able to achieve such results. After all, everything in the world is not so difficult.

Over time, you can become a mentor yourself if you follow the principles described in this article.

1.14. Work for yourself

Working for someone else's uncle - you can never become rich.

You say: "What should I do if there is no start-up capital and in general what field of activity should I go to?" There is no one size fits all answer for all of us. For example, if you are a programmer, designer, lawyer, you can find yourself a freelance job on the Internet and work for yourself. If you are a forward-looking person, you will immediately understand how you can expand your activities and already hire people to work for you.

The same is true in the offline sphere. What can you do? Are you a builder? Then start making repairs yourself. Over time, assistants will appear, so you can become a foreman. You will be looking for work for your workers. Going even further, you can even open a repair company.

Can you do something with your hands? Great, start making it and selling it. On the Internet, interesting things are sold out instantly. Even trivial things like cake making, decorators, hairstyles, makeup artists are in demand!

And if you do nothing, do not strive and only find excuses that everything is wrong with you, then do not expect anything. All successful people started somewhere and never looked for excuses. They were looking for solutions.

1.15. Improve your communication skills

This advice follows from the previous recommendation. Successful people often have to communicate. The ultimate success depends on how effectively you can find a common language with different categories of people, both by age and status. Sociable people, according to statistics, achieve much more in life: they have many connections and clients. Therefore:

Develop communication skills, smile, be friendly and then clients will reach out to you.

To do this, buy books on the psychology of communication, NLP, marketing. This knowledge is essential for successful and wealthy people.

1.16. Surround yourself with ambitious and successful people

The environment strongly affects us. Therefore, in order to achieve more, we must be surrounded by only the best in what we do.

Whiners and critics never succeed. Just because they don't want to. It is most beneficial for them to simply condemn everyone. They grind all interesting ideas to smithereens. They love to discuss strangers, other people's opinions, and especially politics. Shifting the blame on other people for being guilty of their poverty.

2. The psychology of wealth - how the most successful people think

For some reason, in the understanding of many of us, the concept of "wealth" means only a lot of money. Is it so? In fact, wealth is something big. There are many definitions of this concept. I would rather call it an improvement in personality in all aspects, success in everything. A lot of money won't solve all problems. At least for happiness you need: family, health, friends, a hobby, new impressions, but many forget about it.

Wealth is a means, not an end in life. Henry Ward Beecher

In order to become financially independent, it is enough to have financial literacy or, more simply, to be able to handle money professionally. In 10-20 years of simple investing in the stock market, you will become completely independent of money, but will you be rich? As Robert Kiyosaki said:

Wealth is the amount of time you can not work, maintaining a comfortable standard of living

Think about this phrase. She will be able to discover something more in the understanding of wealth.

If in your view wealth means throwing money left and right, then you are deeply mistaken. Wealthy people never make unnecessary purchases. I agree that many of them spend relatively big money, because they buy expensive and high-quality things that they need. They make expensive gifts not because they have a lot of money, but because they respect themselves and the person to whom they are given.

Rich people don't just waste their money. They are very selective in their choice, because they know the price of every ruble / dollar they get and will never throw them around.

Money only gives opportunities to each of us. However, if a person who is uneducated, overly emotional, cannot control himself, then the big money that has suddenly appeared in him can completely kill him.

Money will not make you happy. Happiness requires other fundamental principles that each of us can develop in ourselves, and for free and rather quickly.

In general, having a lot of money only makes the owner worry about it. After all, no one wants to lose all or even part of their fortune. Therefore, you have to almost constantly think about what to do next. Many people worry all their lives about their "financial condition".

Each of us has our own comfort zone. If you leave it anywhere, then you have a feeling of anxiety.

Big money is a big responsibility. An ordinary person is not ready to drastically change his psychological thinking, so subconsciously he will do everything to get rid of a large amount of money.

Therefore, it is necessary to gradually go to it, to tune yourself psychologically that you should have it. Imagine that you are the owners of things that you could not afford at the moment. I know this sounds like gibberish to someone new to this topic, but it really works. The brain needs to be fooled at the first stages, and then it will look for solutions itself in order to achieve goals.

Adjust your mindset that "being rich is good." As a child, parents often teach their children that wealth is evil. They give examples of "evil rich people" that they are all deceivers, thieves. However, this is just a stereotype.

This thought negatively affects our self-development and achievement. Parents initially set their children up to avoid money in the future.

As we mature, we can rid our subconscious mind of this concept. Do it now.

The majority of wealthy people are the elite of society for a reason. They are healthy, smart, athletic. They do not drink, do not go to bars and clubs at night. Their circle of entourage is an intelligent and business world. They are good people in many ways.

Note

Yes, there are bad people with large sums, but this is the exception, not the rule. There are many more mediocre individuals among the poor than among the rich.

It's good to have a lot of money, but it's not the end goal. Imagine that you have so much money that you can afford anything you want. What will you do? Going on vacation? Buy a new car? An apartment? And then what?

Take a trip to rest, drive a new car, make expensive gifts to your loved ones. But you quickly get used to everything. A couple of months will pass and life will be the same again. You will understand that money is not the goal of life at all.

No one argues that each of us needs funds, but only in the amount that makes it comfortable for you to do things that are really important to you.

Think about your dreams. After all, as psychologists say, we attract everything we think about. Don't believe me? Remember what you were thinking 5 years ago? 1 year ago? All we have are the results of yesterday's thoughts and actions.

People who don't believe in themselves never succeed. Attract success and luck to you.

Therefore, feel free to dream about your desires. You attract them into your life. The brain will direct your actions in such a way as to carry them out. Those who read this for the first time may not believe it. Try it and see the results in a year. Just dream sincerely and, most importantly, believe in it yourself.

If something did not work out for you at work, in business, in investments, then you should not look for someone to blame. Even if someone is really to blame, it no longer matters. History cannot be changed. The main thing is how you react to this and what conclusions you will draw.

It takes too much energy to blame and justify. We all love to be pitied, sympathized, supported. However, this approach will lead to perpetual dissatisfaction with their position. Winners never complain, but draw conclusions and move on. No matter how many times they stumble and fall, they will still rise and will achieve results.

This is a psychological moment that must be developed in oneself. To do this, read more biographies of successful people and listen to motivational speeches.

Taking responsibility is a trait of strong people, true leaders. Responsibility is always rewarded according to merit.

Successful people always take matters into their own hands and never give up responsibility. I am sure that this feature will be useful to you.

3. Books on the path to wealth

There are several bestsellers on the subject of wealth. All these books have become legends, so I recommend reading them.

Rich Dad Poor Dad by Robert Kiyosaki
Think and Grow Rich by Napoleon Hill
Carl Richards "The Psychology of Investment"

Related entries:

Reading time: 3 minutes

Our world remains material, no matter how important the human soul and its aspirations are, so the question of how to become rich from scratch is of concern not only to students, but to people of all ages. Young people who start an independent life without parental capital and passive income, as well as people of the older generation who have worked quite hard, but have not accumulated sufficient fortune - everyone is united by the need not to advance the existing level, but to create at least some.

Significant influence the level of the state is rendered by the psychological attitude of a person to money, the presence of certain attitudes and even generic programs. The attitude can be completely different, but still lead to pathological conditions. So those who attach too much importance to money, consider it the only important category in the world, create an excessive amount of attention in one area, not noticing the rest.

Others may despise big money (those who were taught that it is life-threatening or vicious), or be afraid of it (due to the stories of grandmothers about how they took the latter, and could be sent to hard labor for large savings). Either way, money is overemphasized, while other areas fade. The problem is that wealth is only energy and the equivalent of freedom, it is necessary in order to realize other aspects of life that are absent with excessive attention to the topic of money.

To understand how a poor person can become rich, it is necessary to learn how to balance his own needs and expectations with reality. So many people do not make attempts and actions in the direction of making small profits or simply additional earnings for a constant fee, expecting exceptionally large offers or looking for ways to get rich right away. Psychological readiness to receive large sums is necessary, because otherwise a person lacks the skills to keep them, and large sums that have fallen sharply were spent by them in nowhere.

How did the rich get rich? A gradual increase in income is the main principle of wealth formation, and it is also useless to start looking for passive income right away, because there is no understanding of how everything works inside, you can switch to it only after reaching a certain stable level of financial independence.

Many exclude the principle of economy, guided by the advice of the rich about the need to buy expensive products and please themselves. Expensive products should be such not due to their VIP status, but due to the quality, and then this is an economy (for example, boots that are half the price will last eight years less). The question of pleasing oneself, especially for success, is often understood as material incentives, but it is precisely working on the topic of increasing one's own level of wealth that it is important to find incentives from the non-material sphere in order to expand your life platform. It could very well be walking or helping at the shelter, reading a book, or sleeping at lunchtime.

Becoming rich and successful from scratch is the dream of many, which is why people read biographies, interviews and advice from those who are an example for them, either financially or as a successful person. Always worth evaluating first level and development conditions. Everyone remembers that Bill Gates dropped out of college and started earning differently, he dropped out of an extremely prestigious institution, having previously proved his extraordinary abilities in the selection. Accordingly, if you are in a place where there is only one educational institution - it is stupid to leave it, on the contrary, you should enroll in many additional courses and improve your level of knowledge tirelessly.

Instructions

Any path directed to a specific goal can be decomposed into components, and since many people have already achieved wealth, there is a certain universal instruction on how to become rich from scratch. It is rather arbitrary and involves creative processing, but it carries the fundamental principles of how to become rich. Before starting the movement, it is worth determining your own parameters of wealth.

There are approaches to personal understanding of this state, and everyone can choose the appropriate one or synthesize their own, starting from the proposed ones. Wealth can be a static category and represent a certain amount, the availability of which in the public domain is necessary for a person.

In this context, the strategy of achievement will be reduced to the accumulation of capital. If, in the understanding of a person, material wealth is a more dynamic category and is measured in monthly or annual income, then the main emphasis in development should be placed on the organization of new passive sources.

There is another category where there are no designated amounts, but there are elements that determine life - a circle of acquaintances, trips, a type of transport. That is, it is not the amount of money that cares, but a person needs a rich lifestyle - this is most of all about freedom and you can get such a feeling using many creative approaches, up to the point that you do not work yourself, but get everything you need.

After defining the concept and goals, you need to draw up daily achievement plans. It can be a personal diary of success, where the goals achieved are entered, as well as a program for changing your personality and reorganizing the financial sphere. Ideas for change can be taken by analyzing the lives and activities of richer people, listening to the advice of economists about the prospects in the market.

All their professional changes it is necessary to correlate not only with impending trends, but also taking into account the uniqueness - remember that people give money for something new, individual.

Regarding your own personality, how to become rich, you need to develop a plan for developing the habits of wealth and saving - this is a difficult process that requires personal correction. Any of these changes take a long time, so don't be in a rush to reap the rewards, but do careful analytics on which strategies are profitable, which habits are easier to form, and which sinks.

Use the systems to adjust your own budget and start saving and saving money. Make it a rule to plan all expenses, draw up lists of expenses and think over where you can reduce them (even if it is installing meters and buying a travel card - in the end, such actions can lead to the possibility of investing money).

Savings should be based on the principles of reasonable distribution and control of spending. The moment of saving money is an interesting psychological factor from two perspectives. Initially, the desire to spend the amount received is so strong that it goes to all sorts of insignificant things that may even be thrown out, but if you take a break, then many purchases can be avoided. And the second point - regularly saving a small amount of money from each income allows you to collect good start-up capital or make a significant purchase.

How to get rich? Control your own spending and minimize unnecessary. Excess food, which is subsequently thrown into the trash bin or yourself, bad habits that make up a large item of expenditure and increase the cost of medicines, meals in restaurants instead of cooking yourself. All these moments in the end of the month can make a rather tangible difference in the budget.

Give up loans and borrowings and invest in any kind. This can be stocks, real estate, own business or education. Any investment of money working for you is the basis of wealth in the future, since they create a platform for independent income - in some cases it is additional opportunities or insurance, in others it can already become an independent main source in which direct work can be done out of pleasure or only in selected projects.

Success does not lie in the amount of money received, because receiving a high regular salary, people continue to consider themselves, and for another, such amounts would be enough for a comfortable organization of their whole life. Successful people become rich easily, but not all rich people are guaranteed success. And it's not only about understanding how to handle cash flows, but also about the perception of your position and aspirations.

It is important to develop your own personal strategy for success, rather than following generic messages. Naturally, if all your grandparents were good at making money, then their parting words should be heeded, but if the family lives beyond the threshold of the average level, but at the same time carefully honors the precepts of the grandfathers, then it is worth becoming the first to break them and finally, go to a new one level. There is no point in repeating something that did not work several times - it will not start working, you just need to look for other options.

Having chosen your path, stay calm and do not expect instant results - in most cases, it is haste that makes people make mistakes and rash actions leading to collapse. Start by paying off your debts and building your capital incrementally - this is the wealth base. It is impossible to consider yourself free and successful if the entire amount you owe is not your money. It is also impossible to talk about financial independence constantly working for someone, because you are completely dependent on a person or a company and cannot raise your material level in relation to your own needs or existing desires.

For typical mistakes or choosing the wrong strategy, your own mentor can help. Regarding your psychological blocks, you should work with a psychologist, the coach will help you draw up an effective strategy and motivation along the way. It is better to discuss the formation of a new economy with economists, and consult with accountants about calculating the budget. You cannot be good in all directions at once, this ability to ask for help and surround yourself with specialists will help you to move quickly, making minimal amount mistakes.

Change your environment not only professionally, but also personally. Examples of wealth from books and screens are good, but the presence of real acquaintances with a high level of wealth can change the system of perception of oneself and the whole approach to earning. Especially if these people sympathize with you, then you can get a lot (no, they will not shower you with gold and even will not give you loans) - advice, indication of mistakes, inspiration and criticism.

Exclude those who complain and do nothing - everyone has a hard life, everyone is in the same country with the same laws, only some prefer to get up and do business, while others waste their time resources on listing troubles. Such a pastime is addictive, but it does not lead to anything other than depression, so surround yourself with acting and aspiring people - they will be your inspiration.

Look for ways to generate additional income - from investing money and starting your own business to additional freelancing work. Try to translate all your activities into a pay that depends on your time and effort, rather than a rate that does not change with the results. By the way, an official job with a low salary and low requirements can be used not as a place for drinking tea, but as an organized space for completing additional orders on the Internet.

Remember that the money earned is needed for further development, and not to provide a luxurious life for a couple of years. This means that for the first million you buy not an airplane, but a small business. You don't celebrate your first good deal with carnage and car and stock investment. Even a few hundred saved in a month, do not spend on red lipstick, but on paying off a debt or setting up a meter to increase savings in the future.

How the rich think

It is not the connections, the start given by the parents or the education received that help a person become rich, but a certain style of thinking and building his behavior. Such people have a very developed sense of healthy egoism, when there is no desire to save everyone and help everyone in need (to give money for alms to all those who ask, for example), and everything is focused on improving their lives.

Some begin to condemn this approach, without reaching the deep essence of the fact that you can really help others only by being in order. By giving your last money, you doom yourself to hunger and do not greatly improve the life of the one to whom you gave the penny, but if you save this money several times, then in the end you can invest it in going to a conference that gives you development as a professional and then you can organize a shelter for the homeless. But this is possible only on condition that everything is more than good with you.

The expectation of random big money, unexpected winnings and other things, where material goods get to a person without difficulty and in large quantities, is an element of an immature psyche.

All rich people think in terms of action, not expectations and hopes for a chance, although they rejoice at such a coincidence of what is happening. At the same time, people who achieve success are used to spending their actions on very specific things that bring benefit. They are devoid of stereotypes that education will somehow help them in life, so they often do not have university degrees. Instead, they invest their money in paid highly specialized courses, where they really acquire specific skills, unique and useful. This is contrary to the concept of a poor man wasting his time getting unnecessary and formal certifications or doing meaningless work that does not promote him as a professional.

The rich have always had an emotional attitude to money. So if poor people dream of money, imagining their material dreams come true, plunging into fantasizing the desired benefits, then successful people look at money exclusively as a tool. At the same time, there are practically no emotions, dry logic and how best to use the existing tool (you do not think about the red hammer when nailing a picture, you think about the composition of the whole room and about where it is better to place the masterpiece of art).

The absence of such an obsession with the material manifests itself in other areas, as rich people are always busy with their hobbies, and they develop them at a fairly high, and even professional level of development. Getting a new level of income, the first thing a successful person thinks about is options for a profitable investment or redistribution of assets to create a new direction.

The focus on action and development makes the life of truly successful people sometimes surprising for ordinary people - they do not swim in gold pools and use public transport, in a word, they lead a more modest lifestyle than they can really afford. This is another feature that distinguishes a successful person - the main thing for him is inner development and aspiration, and not outwardly ostentatious success. They also enjoy their activities, even if they were not paid for it. It is this inspired passion that makes a person uniquely a specialist, an innovator and leads, since in modern society, progress is valued above all else.

Speaker of the Medical and Psychological Center "PsychoMed"

How changing his attitude to money helped him achieve financial stability. Growing up in a poor family, he often did not know if they would be able to pay their rent or if they would stay on the street at the end of the month. He had to watch relatives and friends quarreling over money.

He now owns his own business and no longer lives paycheck to paycheck. He did not become a millionaire, but he reached the point where he does not need to constantly think about finances. Kim shared tips that he would give to himself at 18. Perhaps they will be useful to you.

Money is a tool that allows me to do what I love. I do not consider them an end in themselves. Now I don't need any more money. But I continue to work and earn money to help my family and loved ones.

1. If you convince yourself that you need a thing, do not buy it

One of the biggest financial mistakes is buying things unnecessarily. We often do this: buy new clothes, a phone or a computer, just to keep up with others and to feel fashionable. But most of these things are us.

When something is really needed, you know it right away. If you have to convince yourself before buying, do not take this thing.

2. Don't buy the first models

When you see a new model of a car, camera or smartphone, do not rush to buy it. Wait for the next version: it will not have the bugs and flaws that the first versions have. You will save yourself from unnecessary headaches.

3. Do not skimp on what makes you happy

Money can buy happiness by spending it on experiences and things that matter to you. If they delight, inspire, and motivate, they are a necessary investment in your well-being.

Just remember that the pleasure of things is faster than the experience.

Within two weeks we get used to new things and stop noticing them. Impressions delight much longer. They can be mentally relived. They also help us grow and develop new skills.

4. Earn more and spend less

Many people start spending more after the salary increases. They buy an expensive car, travel more often and eat in a cafe. As a result, they do not become richer, but remain at about the same level of wealth. But if you earn more and spend less, there will be free funds. They can be deposited or invested.

Think about how you could earn more: take on additional responsibilities at your current job, find a part-time job, and get busy. Then think about how to spend less. For example, cook at home and go to the cafe less often. Spend less on clothing. Sell \u200b\u200byour car and use public transport. Do not chase fashion news. Use the remaining funds to pay off debts or save for something.

5. Never go into debt.

No matter how rich you are, if you are in debt, you are a slave to the banking system. You will have to work to pay them and maintain the required standard of living. Perhaps at a job that you don't like.

Therefore, never borrow. If you are thinking of starting your own business or creating some kind of project, but for this you need to get into debt - postpone this venture. Only start when you can pay all the costs yourself. This way you risk less. And also the lack of funds forces us to seek a creative approach to problems.

6. Learn not to want more of what you already have

Being rich doesn't mean having everything you can. Real wealth is when you don't need anything other than what you already have.

And a billionaire can be poor if he constantly needs more and more. He may own real estate all over the world, but if his friend has a private spaceship, he will still be jealous.

We feel that we are missing something when we compare ourselves to the people of us. Instead, compare yourself to those who are poorer. Then your current lifestyle will seem sufficient to you.

7. Look not perfect, but good enough

We always strive for the ideal, we want to have all the best. But think, do you really need the best car, the most powerful smartphone or an apartment in the most respectable area? Maybe what you have now is enough?

Try not to use the phrase "best" for a month. See how your shopping habits change and how much money you save.

8. Don't buy many things from one category

Life is much easier if you have one phone, one computer, one pair of everyday shoes. In clothes, you can limit yourself to one type of trousers, shirts, socks. You will make fewer decisions, be less nervous, and spend less money.

Look at your stuff and think, what 10% of them are you using 90% of the time? Try it. Sell, donate, or throw away your unwanted items. You will feel relieved, will be able to pay more attention and energy to important matters.

9. When choosing a product, focus on a lower price

The brain clings to the first price you see. Then you select a product in comparison with this price. If at first you were offered a camera for 50 thousand, and then - for 30, the second one will seem to you a bargain. Although, perhaps, a camera for 15 thousand would suit you.

To spend less, look for lower value items first. Compared to them, the rest will seem more expensive. As a result, you will settle on an acceptable option and not spend too much.

10. Change your environment to consume less

The environment affects how much we consume. When everyone around you is changing gadgets and cars often, buying new clothes and dining in a restaurant, it will be difficult for you to resist. If you want to spend less and live more modestly, try changing your environment. Naturally, it is not always possible to move to another area or city. But you can change your lifestyle. Go to the malls less and avoid anything that makes you want to buy something.

11. Block out ads

We don't even notice how advertising changes our idea of \u200b\u200ba product, making us want it. Avoid it by all means. Don't watch TV, don't read magazines, turn on your browser's ad blocker. Unsubscribe from mailings. Buy paid versions of apps to disable ads.

12. Remember: the more money, the more problems

Money is desirable until a certain point. When there are enough of them to pay the rent, save some money and not worry, more income will no longer make you happier. As income rises, so does stress. You need to worry about the tax authorities, about unsuccessful investments, about greedy relatives who ask for money and secretly await your death.

The same applies to things. For example, the larger your house, the more worries you have: you need to clean a large area, buy more furniture, repair and change the most. Therefore, when considering a purchase, consider these hidden disadvantages of owning a new thing.

13. Invest in your development

The most important thing is to invest not in the stock market, but in yourself. This will help. Most often, a book is a squeeze of the author's ideas over several years or even over a lifetime. This is an opportunity to learn about the lessons the other person has learned and apply them to your advantage.

The more you invest in expanding knowledge, finding new ideas, and developing creativity, the more you reap the benefits.

If you get even one new idea from the book that inspires you, then you have not wasted your money.

14. Ensure your own financial stability before helping others.

If you are having difficulty with money, do not lend it to someone - even a family member. You will worsen your position and, in addition, ruin the relationship.

Better not to lend money to friends and family at all. If you want to help, give them free of charge. This is the only way to maintain a good relationship. But help when your own financial situation is stable.

15. Don't invest in stocks

You can't get rich on them. Professional traders often act at random. But it's not only that. Even if the value of your shares rises by 30%, the profit from this does not match the profit from. After gaining new skills, after a while you will earn more.

Consider how such an investment will help you get rich. Maybe you should take some courses, sign up for a seminar or start your own business.

16. Don't risk in vain

It is believed that entrepreneurs like to take risks just for the sake of risk, but this is not the case. Good businessmen think carefully about their actions and do not allow situations in which you can lose all your capital.

If you are looking to start a business or invest in something, remember that you can always fail. Prepare for this and make sure you don't waste all your funds.

17. Strive not for wealth, but not to go broke

If you are a business owner, focus not on how to increase your profits, but on how not to go bankrupt. If you are an employee of a company, consider how to stay relevant. For example, you can learn new skills or expand your responsibilities.

18. Mentally exaggerate your spending and underestimate your income

Very easy. We often look at the world through rose-colored glasses, overestimate ourselves and underestimate problems. Imagine that you are poorer than you are and cut costs. This will help you spend less and gradually accumulate funds.

19. Don't buy the most expensive items.

An item for 1,000 rubles will not make you ten times happier than an item for 100 rubles. It seems that expensive goods bring more happiness, but it does not depend on the amount of money spent. There is a certain amount after which the pleasure of shopping no longer grows. It is different for everyone. Find this golden mean for yourself and do not spend more.

Don't forget that pleasures are boring too. Especially the joys of food, sex, travel and shopping. Over time, they become less intense, no matter how much you pay for them. Therefore, there is simply no point in spending more and more money on things.

20. "Think Rich, Dress Poor"

Andy Warhol said so. Wear basic clothing, drive a regular car, and choose things that are practical. Those who wear expensive brands for show often, on the contrary, have no money and live in debt. They are simply not confident in themselves and want to attract attention through expensive items.

Be rich inwardly. Remember that you have everything you need. Think less about shopping. Spend more time and energy creating something important.

21. Live more modestly than income allows

We get used to new things in two weeks. No matter how expensive they are, they no longer make us happy, because they are becoming commonplace. Try to get used to a more modest lifestyle as well.

Buy a cheaper item, even if you have enough for an expensive one. Buy - Inexpensive Equivalent to Brand Names. In a cafe, choose the cheapest coffee or the simplest dish. Over time, this will become a habit.

22. Don't get hung up on brands

When you look at a thing, think not about the brand or the price, but what it really is. Lexus is just an expensive Toyota Camry. Filet mignon is just a fraction of a cow's carcass, and expensive wine is fermented grape juice. The new smartphone is just a piece of metal with a touchscreen. A branded suit is a piece of fabric sewn by some worker with a minimum wage.

Constantly reduce the value of such things in your eyes. Then they will become less attractive to you.

23. Don't spend all your money on investments

If 99% of your funds are invested in real estate, you are deprived of financial freedom. In an unforeseen situation, you will not be able to pay off and will have to borrow. Always try to have free funds that can be quickly withdrawn from your account. This is also useful in case there is a profitable opportunity to invest them.

24. Do not buy anything that you cannot pay without loans

We are too optimistic about our capabilities. We think we can pay quickly. But debt piles up like a snowball. The more there are, the more firmly you fall into slavery to the banking system. If you still want to use your credit card to receive bonuses, buy only what you can pay without loans.

25. Don't be cheap when you charge for your services

Appreciate yourself. If you're an entrepreneur or freelancer, charge a little more for your services than you think you deserve. You may lose a few clients, but in the long run you will get more profit.

Of course, when you are just starting out, you cannot ask too much. To gain experience, work for a while for free. But then charge for the services above average. If you settle for an average pay, you always have to somehow make ends meet.

26. Work on what you love in your free time

Many people want to quit their office jobs and do what their heart is about: becoming a photographer, traveler or writer. Don't do this until you have financial stability. Live on income from your main job and do your free time.

Get up an hour earlier, use your lunch break, do something useful in the evening instead of watching TV shows. When the money from the extra work is enough to pay the bills, you can leave the annoying company. But always have emergency funds and a contingency plan ready. You may have to live with your parents again or return to your old job.

27. Think about what else you can buy with the money you are going to spend

Usually, when buying, we compare only items of the same category. For example, smartphones from different manufacturers. But maybe instead of a cool new phone, it's better to go on an interesting journey? Or invest in your education? Or pay off part of the debt?

28. Imagine how you will react to the purchase in 5-10 years

See things realistically. Any purchase in 5-10 years will lose its presentable appearance. This is especially true for cars. Better not chase fashion, but count on the long term.

29. Remember that money itself has no value

Fundamentally, money is just paper. Even precious metals are nothing special - they are just shiny stones. Think about why they are important to you. Perhaps they give you a sense of stability or symbolize success. Determine what money means to you. For example, strength, no pain, the ability to do what you want.

Don't take money too seriously. And don't forget about the really valuable things: relationships with loved ones, important work, gratitude.

30. Don't become a slave to money

Money is neither good nor bad - it's just a tool. We ourselves decide what to use them for. Think about how they affect your life. What is money for you? What joy and anxiety can they bring? How can money help you and others? And can they ruin your life?

Provide yourself with everything you need to live. As soon as you have enough money for this, spend time and energy on your development. Then do something useful and help others.

Wealth: Many people crave it, but few know what to do to get rich. Wealth is a combination of luck, skill, and patience. You need a little luck; relying on your luck, you will make a decision, and then you will have to go through a difficult period as your wealth grows. Let's not lie to you - getting rich is not so easy - you need a little patience and the right information, and everything will work out!

Steps

Investments

Invest in the stock market. Invest in stocks, bonds, or other financial instruments that will give you an annual return on deposits. For example, if you invest $ 1,000,000 and get 7% per annum, then excluding inflation, this is $ 70,000 per year.

Don't be lured by brokers who talk you into getting quick income. Buying and selling dozens of stocks a day is a risky game. If you are caught off guard - which can very easily happen - you will lose a lot of money. This is not the best way to get rich.
Instead, opt for a long term investment. Look for good stocks, well backed stocks of growing and developing companies. Then leave your shareholding alone. Don't do anything with it. Let him go through ups and downs. If you invest wisely, you will make good money from it.

Save money for retirement. Fewer and fewer people are saving for retirement. It doesn't matter if you are far from retirement or not, you should try to set aside some money for your future well-being. Retirement accounts are usually tax-free or have a small tax base. If you can save enough money in your retirement account, you can enjoy that money in old age.

Invest in real estate. The most stable assets such as rental housing or land rising in value are good examples. They will grow in value over time, but not with 100% probability.For example, many people believe that an apartment in Manhattan will definitely rise in price in 5 years.

Invest on time. For example, every day you give yourself some time to rest, and for you rest is doing nothing. But if you were to spend those few hours pursuing your goal of becoming rich, you could probably earn yourself 20 years off (24 hours a day!) By retiring early! What are you willing to sacrifice in order to be rich in the future?

Don't buy things if you know for sure that their value decreases over time. Spending 1.5 million rubles on a car is not rational, because after 5 years the cost of the same car will be much lower, no matter how carefully you handled it. As soon as you get behind the wheel, its value will immediately begin to fall by 20% -25% per year. This makes buying a car an important financial decision.

Don't waste your money on all sorts of nonsense. It's hard enough to make a living. And so it is very difficult and painful to realize that the things you spend your hard-earned money on are just black holes. Evaluate the things you buy. Try to learn how to determine “are they worth it”. Here are some things you shouldn't spend your money on if you're planning to get rich:
- Casino and lottery tickets. Rare lucky people make money on this. The rest lose money.
- Bad habits, such as cigarettes.
- Domestic goods such as candy in the cinema and drinks in clubs.
- Tanning salons and plastic surgery. You can get skin cancer. Do Botex injections and plastic surgeries look as good as promised? Learn to grow old with dignity!
- First class plane tickets. What are you overpaying that extra $ 1,000 for? For hot towels and an extra few meters of legroom? Invest that money instead of throwing it away and learn to sit with other people.
Stay rich. Getting rich is hard, but it’s even harder to stay rich. Your condition will always depend on the market, and the market has its ups and downs. If you can easily make money in good times, then it does not guarantee profit if the market enters a phase of recession. If you have earned more than you expected, or the income on deposits has increased, do not rush to spend "extra" profit. Save it for a time when the market is in a downturn and your return on investment drops by two percentage points.

Get rich through your career
1. Learn. Whether it's 4 years of college or a vacation internship, many successful people continue their studies after school. In the early stages of your career, your employers will require little from you beyond your basic education. The higher the education, the higher the salary, although not always.
  
  Choose the right profession. Look at the studies that show the average salaries for each profession. Your prospects for getting rich are diminished if you choose a teaching profession rather than a financial profession. For example, here are some of the highest paid jobs in America:
  
  Choose the right place. Go where it is good job... If you want to work in finance, there are more opportunities in big cities than in rural or sparsely populated areas. If you are looking to start your own business, then you probably want to head to Silicon Valley. If you want to be successful in Hollywood, go to Los Angeles.
  
  Start low and work your way up the career ladder. Play on quantity. Apply for many jobs and go through many interviews. When you get a job, focus on the experience you need for it.
  
  Change jobs and employers. By changing the environment, you can increase your paycheck, try different corporate cultures, and reduce your risk. Don't be afraid to do this multiple times. If you are a valued employee, it is also likely that your company can offer you a promotion or other opportunities if they know you are looking to change jobs.
Reduce your daily expenses
1. Learn to preserve food. Almost 40% of America's food is thrown away without even being opened. Juicy peaches, berries and even meat can be preserved and stored for a long time. Think about what you are buying and whether you can eat it. Discarded food is discarded money.
  
  Reduce utility bills. A significant portion of the monthly budget is spent on electricity, gas and air conditioning. But you don't want to spend that much money, do you? You can think of a smart way to cool your home in the summer and keep it warm in the winter. You can purchase solar panels that will convert solar energy into electricity. Try to turn off electrical appliances and keep track of how much money you save, as this will help you get rich.
  
  Install an energy monitoring system at home. It will help you determine how much money is leaving your home in the form of energy. If it is cold air in summer and warm in winter, then this is very bad.
  
  Go hunting or pick mushrooms. You will have to spend money on a gun and other gadgets, but if you already have all this, then this is an easy way to get food. If you are totally against the killing of animals, then you can engage in gathering, depending on where you live. Collect only those plants of the origin and properties of which you are sure. Poisoning or sickness isn't fun.
  - Hunt deer, ducks or turkeys.
  - Go fishing
  - Choose edible plants, pick mushrooms or harvest in the fall
  - Go for clandestine gardening or build your own greenhouse
Save money
1. Save money. Before you go out and squander your salary on new shoes or getting a golf pass that you can do without, put your money in a savings account with a bank. Do this with every salary you receive and watch your account grow.
  
  Make a budget. Create a monthly budget that will include your basic expenses and leave a small amount of money for "pleasure." And try not to go beyond what you planned. Sticking to a budget and saving some money each month is a surefire way to get rich.

Publication date: 22-02-2019 2372

Everyone wants to become rich, but only a few become really successful. Wealth is available to few and few who are able to rise from scratch, without money and a good inheritance. The good news is that absolutely everyone can change their lives! And this is what will be discussed now.

We will share our vision of this issue and tell you what exactly we do in order not to work for hire, but to run a business, create passive income and live the life of our dreams.

In this article, you will learn how rich people think, and what beliefs are blocking the path to wealth? How to get rich a person from scratch, and what path did people like Steve Jobs and George Soros go to achieve financial freedom? What books and videos do you need to study to change your mindset and start making a lot in the very near future? What could be rules of success? Read - and find out! But most importantly, it is worth understanding that wealth and poverty are not at all innate human qualities.

How to get rich

First, let's answer the main question, what is wealth and who is a rich person. After all, everyone understands this in their own way. For some, wealth is their own apartment, car and the opportunity to have a rest abroad twice a year, while for others a million dollars a month will not be enough.

Perhaps the most accurate definition of wealth comes from Robert Kiyosaki, an American millionaire and writer. In his opinion, wealth is the amount of time that you can not work, maintaining a comfortable standard of living for yourself. A rich person is a citizen who has the opportunity not to work for money, but owns assets and receives passive income from them in sufficient quantity. That is, an income that does not depend on his labor efforts. Such people are also called "rentier" - a person who lives on interest from his capital.

It turns out that wealth is measured not by money, but by TIME, since all people need a different amount of money, but life time is limited and it is not advisable to spend it on something that does not bring pleasure. Most people are constantly taken away by their unloved work, but it is important to do what you love, because this is the only way to understand how to become rich and free from external circumstances.

Consider the following questions:

Why do some people make money, while others do not?
Why do some people work from morning till night and get pennies, while others manage not only to work, doing what they love, but also to have an active rest?
Why do some manage to lure money luck, while others live from paycheck to paycheck or even in debt?

These questions are of interest to every person, but most seem rhetorical. However, psychologists will say that there is practically no such rhetoric in these issues. Poverty and wealth are not so much questions of luck as of approach to life and way of thinking.

This does not mean that changing your thoughts will immediately become a millionaire, but it will definitely help you start taking the right steps in this direction. One desire "I want" is, of course, not enough. Even the laziest people want to get rich. You need to not only want, but also try to translate your desires into practice. And if the cherished million no longer seems unattainable for you, then read this article on how to earn it and become a millionaire.

As you can see, any wealth aids insist on a mindset change. Think like rich people and you will definitely become them. But what does this mean in practice? Changing the way of thinking is not easy - not enough, just changing thoughts, you also need to transform your own behavior. But still, there is a difference between the mindset of the rich and the poor. Let's try to express this difference clearly.

13 differences in thinking between rich and poor people:

Rich and wealthy people are sure that they are the creators of their destiny, while poor people believe that they are destined to be poor. Such people continue to go with the flow without even trying to change anything.
Tip: stop going with the flow - it's time to get out of the river to the shore!
Rich people work to increase income, poor people work to make ends meet.
Rich people dream less and do more, although positive and well-defined goals are not alien to wealthy people.
Rich people are always open to new ideas and opportunities, while poor people are fixated on their problems and their environment.
If you are not satisfied with the circumstances of your life - change them!
The rich learn from successful people by adopting patterns of behavior and communicating with them. Poor people are more likely to interact with losers and even poorer people to increase their own self-esteem. We have already talked about how to increase self-esteem earlier.
The wealthy and successful do not envy others' successes, but try to draw useful experience from other people's achievements, the poor resent the successes of others.
Wealthy people are confident and open about their success.
The rich are not afraid of temporary difficulties, preferring not to panic in difficult situations, but to solve the problem pragmatically.
The rich view their income as the result of their own labor, the poor count the number of hours spent working.
The rich can quickly change tactics, strategy, even the general direction of activity and life. The poor complain, but continue to follow the path that is often chosen not even by them, but by life's circumstances.
Wealthy and successful people continue to learn all their lives, developing and improving, the poor believe that they are already smart enough, "they just were not lucky."
Successful businessmen never stop when they reach a specific level - they continue to develop and improve, making the most daring plans and dreams come true.
Rich people think about money pragmatically and logically, not emotionally. The average person continues to have a low income, thinking about money and wealth on the level of emotions, while a successful businessman looks at finance as a tool that opens up certain prospects for him.

And most importantly, the rich always work for themselves. Even if they are not the owners of a firm or company, they always hold a position that allows them to act independently and make their own decisions, and not engage in the implementation of other people's ideas.

What matters is not where you are, but where you go! Thinking that you are working for someone else is a big mistake. Be independent in everything, especially your own finances. Don't let other people control your time and money. The best way to get paid on time is to pay it to yourself. However, if you are reading this article, then you are already taking the first steps towards achieving a pronounced and explicit material independence.

How to become successful

The main principles of wealth overlap in many respects with the points concerning the peculiarities of thinking. The foundations of the behavior of successful and wealthy people are not so much instructions as recommendations. Every wealthy person knows an individual recipe for success that does not always suit others, but almost all successful people intuitively or consciously use identical behaviors in most life situations.

Rich people never blindly rely on the opinion of the majority: what the average individual would do in a given situation, they do not. Successful people always have a non-trivial move in store - this is what makes them successful.

Where the majority loses, the lucky person with positive thinking and creativity wins. The secrets of rich people lie on the surface: the main thing is to use them correctly.

Rich people's habits

Consider some of the habits most wealthy people have:

Rich people always know what they are going to do today. Even if millionaires do not go to work, they use various services to plan their own day, which helps to more efficiently allocate time, and hence finances.
Rich people rarely waste time on useless entertainment. They do not watch TV, and if they read, then not fiction, but the literature that helps them become even more developed, make millions and become millionaires.
Wealthy people are able to fully devote themselves to work.
Successful people surround themselves with like-minded people - positive and successful businessmen, representatives of independent and creative professions.
The rich look after their health and nutrition: it is important for them how they look and feel.
Wealthy citizens believe more in their own strength than in abstract luck: for this reason, the rich rarely play the lottery. If they are engaged in gambling, it is exclusively on a professional level.

Don't think that becoming a millionaire is easy or that being rich is easy and fun. The life of a wealthy person is daily work and an impressive amount of time spent. Another thing is that most of the rich people do their favorite thing. In this respect, the life of representatives of creative professions looks especially attractive: they do what they like and others like.

But not everyone can become sought-after and successful actors, writers and artists. But, if you have talents and abilities, in no case ignore them, do not “bury them in the ground”, but continue to develop, even if at first it does not bring a lot of income. Creativity can be shown in almost all areas of human activity.

The first rule for success is to learn to love and appreciate your own work. If you perceive work as a necessary evil, and you are used to spending the weekend on the couch in front of the TV, then the path to wealth is not for you. For results to appear, you need not only a creative, but also an active approach. In this case, activities must also be done not just like that, but with a specific purpose. In this case, our goal is to achieve well-being, prosperity and wealth.

Remember that greed and stinginess are human qualities that block the path to wealth. If you want to receive a lot, you must be able to give a lot. The generosity of the soul is a quality that every truly rich person possesses. At the same time, you need to be able to give not only money, but also time.

How to become rich and successful from scratch

Let's move on to practice and start getting rich from today. Take a close look at these seven golden rules of step success that will help you achieve wealth not in the distant vague perspective, but in the very near future. However, be warned that we are not talking about next week: it takes years to become truly financially independent.

Step 1. Make the decision to get rich and set a goal

When you decide to become rich, you choose a different lifestyle and a different way of thinking. From now on, you do not have to waste time: your every step will be subordinated to a specific goal. This does not mean that your life will turn into hard labor: on the contrary, it will become full of creativity and original ways of behaving. Attracting money to yourself means becoming a professional in several areas of human activity at once, such as: finance, marketing and interpersonal relations.

Having made the decision to become a wealthy and successful person, you make a choice of your future life path - now you will no longer have time to complain about fate and look for the reasons for failure in the people around you. Now you have to rely only on yourself and learn exclusively from your own mistakes. But your well-being will depend not on the whims of your bosses, but on your own skills and abilities.

Successful people think a lot and productively about their own goals. Thus, they participate in the process of continuous movement towards these goals: at the same time, the goals themselves begin to gradually move towards them. If you visualize your dreams and talk about them more often, the likelihood that you will achieve more in life than the average person will increase.

Interesting experiment

Billionaire business and personal performance coach Brian Tracy did some research on what rich people think and found out what they think about the following two things:

What they want (that is, their goals);
How to achieve this (that is, what to do to achieve these goals).

If you want to get rich, become a millionaire and live the life of your dreams, you should ask yourself these two questions as often as possible. In the end, talking about concrete plans is more pleasant than complaining about low wages and debts.

Step 2. Find a mentor

Find a mentor. Going to the goal on your own is noble, but sometimes very tiring and time-consuming. After all, every outstanding athlete has a coach, so you should find such a coach. A knowledgeable person will help you avoid typical mistakes newcomers and reduce their number. Making mistakes, of course, is useful, but it is better to do it at the very beginning of your "creative" path, when their consequences will not be as destructive as they may be in the future.

Step 3. Get rich people's habits

For example: Stop watching TV entertainment from today or playing computer games. Start investing time in education, but not in that which is given in schools and institutes. After all, it was this kind of education that led most people to work until retirement for "pennies". Read, watch videos and explore authors such as Napolene Hill, Brian Tracy, Robert Kiyosaki, Vladimir Dovgan, Alex Yanovsky, Bodo Schaefer, Anthony Robbins, Jim Rohn, Robin Sharma, Donald Trump.

Remember, age does not matter: today you can earn money and start your path to wealth without even leaving your home. If you receive new knowledge and develop professional skills that are in demand in the modern "market", it does not matter how old you are - the only important thing is how you can apply this knowledge in practice.

Step 4. Change your environment and lifestyle

By creating your environment, you are creating yourself. Start connecting with successful and financially independent people, change your social circle. After all, we turn into those with whom we communicate. Stop complaining about life and talking to friends about bad luck, crises of all ages, and credit problems. Communicate more: the wider the circle of your acquaintances, the more chances of achieving financial and life well-being. Of course, every rich person always has a bunch of poor relatives and friends who urgently need help or "help out". You need to be able to fend off such acquaintances now, otherwise in the future they will deprive you of your money.

Step 5. Become financially literate

Start reading books on finance and make a personal financial plan. A personal financial plan is a financial strategy for your life, including your financial goals, for example, saving for a certain major purchase - an apartment, a car. Also, the financial plan necessarily includes an assessment of your current financial situation: the amount of earnings, loans, assets and liabilities. A personal financial advisor will help you draw up a financial plan. This is a person who has already been able to independently achieve his financial goals through competent planning and systematic movement towards them. And on this you can read about financial literacy.

Attention! If you spend more than you get, you are on the road to bankruptcy. As you start the journey of a successful businessman, mobilize your energy and get rid of debt - especially those with high interest rates.
It is also necessary to borrow money for successful projects wisely: a lot of novice businessmen went bankrupt due to excessive craving for loans. Every businessman has a budget: you also need to create a budget, but this must be done competently.
Keep track of income and expenses. The real budget is created on the basis of spending statistics for a certain time period.

Step 6. Start investing

If you don't have money, time is a great resource for your first investment. Invest time in knowledge that will help you figure out how to get rich. So from scratch, after a while, you can earn more every year and ultimately gain financial freedom. Having earned the initial capital, try to dispose of it wisely - start investing in successful projects, preferably your own. When investing in the future, do not forget about the present: remember that stinginess, greed and saving on your own health are unacceptable things.

Step 7. Be patient

Don't try to get "everything at once" in an instant. Learn to spend in line with your income today, but do not forget to set yourself more promising in terms of money goals. The path to freedom is not an easy thing, which is why less than 3% of the world's population achieve the desired prosperity.

Golden rules for success

There are a huge number of stories of achieving wealth and real financial independence. Every wealthy person has found his own original way to achieve success. However, there are several working schemes that can bring guaranteed income to anyone with the desire and ability to work for themselves.

Method 1. Create passive income

Typical examples of passive income:

Renting out an apartment;
Bank deposit (receiving interest);
Dealing with securities (receiving dividends);
Creating a website and using it as a platform for advertising (this method is suitable for people who have a good idea of \u200b\u200bhow Internet technologies work);
Work as a distributor in the field of network marketing (this option is preferable for sociable and sociable people).

Passive income allows you to make a profit regardless of your main activity - in theory, you can continue to go to work and get paid. Agree, such income will never be superfluous, even if it is only a few thousand rubles.

Method 2. Open your business

Starting your own business is easy.

Of course, to create a real business, financial investments are required, but some types of ways of earning allow you to start making a profit literally from scratch. For example, you can start selling, or rather, realizing, your own knowledge and skills via the Internet. Thousands of people are already doing this right now.

Method 3. Engage in mediation in large transactions

To become an intermediary in large financial transactions means to receive a certain percentage from each transaction performed, which, given substantial sums of money, can be very, very good. For example, by becoming a good real estate seller (realtor), you can earn from $ 5,000 per month.

Method 4. Create your profitable website

Website creation is what an increasing number of people of all ages earn. It is not even necessary to create an expensive website from scratch. So, for example, using, you can create your own website for free.

Method 5. Start making money online

Working over the Internet is an activity in which thousands of people are participating right now. There are a great many ways to make money online: on our resource, we consider in detail the most effective and affordable options - from remote work and freelancing to information business.

There are a lot of stories of people who became financially successful on their own and from scratch without the help of parents, wealthy relatives. The most famous and illustrative are the stories of Steve Jobs, George Soros, Oprah Winfrey.

Steve Jobs is the man who pioneered the IT era. We can say that Jobs created the information and digital world in which we live now. Steve was the adopted child of parents with a very average annual income. When Jobs went to university, he went hungry, lived with friends, and often ate in the temple because of the lack of money. After leaving school, Steve became interested in creating computers and their subsequent sale, founding the legendary company Apple with partner Siv Wozniak.
George Soros is an American entrepreneur and financier who has created a network of charitable organizations. Born into a middle-income Jewish family. He began his career working at a haberdashery factory, then worked as a traveling salesman. But his passion for finance and banking took their toll, and after a while Soros got a job at a bank and was actively involved in stock exchange activities. So in one night on the stock exchange he managed to earn about $ 2 billion. He achieved his existing position in society and financial security exclusively with his own mind and dedication.
Oprah Winfrey is a TV presenter, actress, and producer. She was born into a poor African American family. Became the first black woman billionaire in history. Forbes magazine has named her the most powerful woman on the planet several times. Life difficulties on the way to success in the field of mass media only tempered the character of this strong woman. Oprah Winfrey often hosts the most famous American programs and is rumored to be one of the personal advisers to the President of the United States.

As you can see, in our time a woman can achieve overwhelming success. If you are a woman and you are not afraid of competition with men on the way to wealth and career, we recommend that you study the article "Business for Women".

How to get rich

Channel 1, film "10 laws of wealth"

In the video from Channel One, you can familiarize yourself with the ten laws of wealth that will help you start getting rich right now and acquire the habits necessary for every wealthy and independent person.

Video by Robert Kiyosaki "How to Become Rich in 60 Minutes"

In the instructional video from Robert Kiyosaki "How to become rich in 60 minutes" there are real tips and advice on getting rich from an American entrepreneur, investor and writer.

Books to help you get rich

There is a lot of useful literature on gaining financial well-being. But the most indicative and interesting in this matter are, in our opinion, the following books:

1) Robert Kiyosaki, "Rich Dad Poor Dad"

Kiyosaki's books have sold around the world with a total circulation of 26 million copies. Rich Dad Poor Dad is a real study guide for those who want to achieve wealth and financial success. The piece will help everyone to awaken the entrepreneur within themselves.

2) Napoleon Hill, "Think and Grow Rich"

Think and Grow Rich is one of the world's best-selling books. This text teaches not only entrepreneurship, but the achievement of success in all areas of human activity, be it art, invention, teaching.

3) Bodo Schaefer, "Mani, or the ABC of money"

"Money, or the ABC of Money" is a book by a successful businessman, speaker, consultant, writer Bodo Schaefer. The works of this author have allowed many people to find financial freedom, learn how to manage their time and realize their inner potential.

Conclusion

Now you understand that you can become rich not only by being born into a billionaire family. Anyone can achieve real financial well-being if they make enough efforts and spend a certain amount of time on making their dreams come true. Remember that all rich people insist on gaining independent thinking and the ability to make their own decisions. The most important thing is to start moving in the right direction right now, stop complaining about life and start thinking creatively and positively.

We believe that our articles will help you learn not only how to become rich, but also how to properly manage your own potential in life. We wish you success in any financial endeavors! Leave your comments below, ask your questions, share your opinion on the article, and of course, don't forget to like it!

P.S. What do you think, is it possible to become rich from scratch? Share your opinions in the comments.

Tell friends:

What you need to do to become rich. Invest in your development

1.11. Develop throughout your life

1.12. Set big goals

1.13. Find a financial mentor

1.14. Work for yourself

1.15. Improve your communication skills

1.16. Surround yourself with ambitious and successful people

2. The psychology of wealth - how the most successful people think

3. Books on the path to wealth

Instructions

How the rich think

1. If you convince yourself that you need a thing, do not buy it

2. Don't buy the first models

3. Do not skimp on what makes you happy

4. Earn more and spend less

5. Never go into debt.

6. Learn not to want more of what you already have

7. Look not perfect, but good enough

8. Don't buy many things from one category

9. When choosing a product, focus on a lower price

10. Change your environment to consume less

11. Block out ads

12. Remember: the more money, the more problems

13. Invest in your development

14. Ensure your own financial stability before helping others.

15. Don't invest in stocks

16. Don't risk in vain

17. Strive not for wealth, but not to go broke

18. Mentally exaggerate your spending and underestimate your income

19. Don't buy the most expensive items.

20. "Think Rich, Dress Poor"

21. Live more modestly than income allows

22. Don't get hung up on brands

23. Don't spend all your money on investments

24. Do not buy anything that you cannot pay without loans

25. Don't be cheap when you charge for your services

26. Work on what you love in your free time

27. Think about what else you can buy with the money you are going to spend

28. Imagine how you will react to the purchase in 5-10 years

29. Remember that money itself has no value

30. Don't become a slave to money

Steps

Investments

Get rich through your career

Reduce your daily expenses

Save money

How to get rich

How to become successful

How to become rich and successful from scratch

Golden rules for success

How to get rich

1) Robert Kiyosaki, "Rich Dad Poor Dad"

2) Napoleon Hill, "Think and Grow Rich"

3) Bodo Schaefer, "Mani, or the ABC of money"

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