Steve Siebold! How rich people think?
Chapter 36 : The middle-class people think money is related to status…
The Rich people think money is related to freedom
A wise person should have money in their head,
but not in their heart. — Jonathan Swift
One of the misconceptions of the majority is
that money is primarily used to show off,
not create options.
In fact, money does bring status,
but mainly for freedom.
There can be no real freedom without money.
The middle class is controlled by business owners,
and other entities with more financial resources about
what they can or can’t do.
It’s hard to have freedom
when you still have to worry about making every penny to pay off your mortgage.
The rich can afford to stand up and resist oppression.
They can afford to escape toxic work environments,
and other unpleasant situations.
They can afford to hire the best doctors
when they are sick and can live comfortably
while they are healthy.
When the rich want to raise capital
raise money for politics or charity,
they just need to make a few calls to their rich friends.
If they need more money,
they just organize a party
or auction with high fees.
There are many examples of advancement that can buy freedom.
The middle class and the rich may live under the same roof,
but not the same degree of freedom.
While this angers the majority,
it encourages ambitious people to get rich.
I’m not saying this is right or the way society should be.
I just want to say it’s true.
Instead of wasting mental energy on getting mad,
channel that energy into getting rich.
“Freedom is the only thing money gives you
because you don’t have to worry about it anymore.”- Johnny Carson
Act : Make a list of the freedoms you get when you’re rich.
We can do what we like
We can go where we like
We can live as we want
We can stay with who we want
We can do anything by our ways
It doesn’t matter where you are coming from.
All that matters is where you are going. — Brian Tracy
Chapter 37 : The middle-class spends above their income…
The rich spend below their income
A lower interest rate doesn’t make a debt go away. — Dave Ramsey
Ordinary people spend more than they earn
because they earn so little.
How can a family live on an average income and still save?
Even genius financial management can’t do it!
Instead of being creative, most people try to do
as much with limited income,
and lose sleep at night worrying about the future.
The middle class is the rich group of the working poor
and most spends more than they earn
because they earn so little.
These people are by no means inferior;
on the contrary,
some are even more intelligent
and highly educated than many rich people.
The difference lies in their point of focus.
The middle class focuses on everything but getting rich,
because they have so many limited thoughts about money
and what it means to be rich,
that will be the last thing they think about.
Then they are scolded by their financial advisors
for spending frivolously on frivolous things.
The rich spend below their income not because they are smart,
but because they earn more than the royal family needs
while still having money in reserve for the future.
When you make more money in a day
than most people make in a year,
it’s not difficult to spend below your income.
Not to mention
that the rich make money mainly by leverage,
not by hard work.
It is hard work that leads to psychological and physical stress,
killing countless poor people.
Here’s how to spend less than you can afford,
and apply the secret that rich people have been doing for centuries:
be rich to be financially strong.
“There is no quality as impressive
and important as spending within one’s income.”- Calvin Coolidge
Act : Decide how much you want to spend, save,
and invest each year, and create a plan
and deadline for doing so.
How much you want to spend per year? 20% total incomes
How much you want to deposit per year? 80% total incomes
How much you want to invest per year? Buy gold as soon as
Total end Jan 20th 2023 deposit is 50.000 ringgit or we have 50c 24k 9999
You cannot control what happens to you,
but you can control your attitude toward what happens to you,
and in that,
you will be mastering change rather
than allowing it to master you.— Brian Tracy
Chapter 38 : The middle-class equates money with pressure…
The rich people equate money with peace of mind
If you think nobody cares if you’re alive,
try missing a couple of car payments. — Earl Wilson
The average person will think of anything but progress.
They see money as an evil that they have to endure as part of life.
Rich people see money as a great liberator
and when they have enough money they can buy financial peace of mind.
They know money doesn’t solve all problems or eliminate worries,
but it can ease pressure in difficult times
and provide opportunities in good times.
Rich people think that
if you can pay to fix your problem,
you won’t have any more problems.
Money makes trouble go away.
Most people worry about money in the first place
and they will continue to worry.
It’s not that they can’t get rich,
but because they think based on fear,
they are always poor.
It is this limitation that makes the poor struggle
to think about how to earn every penny.
Meanwhile, the rich think about what to do to earn more,
invest more effectively and increase their assets.
See what top retailers and luxury brands have when they’re on sale.
Not because the rich don’t like discounts,
but because they like to make a lot of money at once,
not every penny.
The secret that the rich know
and the majority don’t is that wealth is related to perception,
Most people don’t smash the mediocrity of the middle class
because they believe that the mindset that got them
where they are today will also get them where they want to be.
If you want to get rich,
you must first think about wealth.
It’s about what goes on in your head,
but most people are too scared and skeptical to realize this truth.
“Wealth is a great comforter.”– Plato
Act : Write down in detail
what you need to do to achieve peace of mind.
For example: paying off debt,
supporting children for college,
emergency cash, etc.
When your desires are strong enough,
you will appear to possess superhuman powers to achieve. — Napoleon Hill
Chapter 39 : The middle- class think small… The rich people think big
Interest works night and day;
in fair weather and in foul.
It gnaws at a man’s substance with invisible teeth. — Henry Ward Beecher
The thinking level of the poor makes them pay attention
to the little details and the minutiae.
They prefer to chat,
and care more about other people’s problems than their own success.
This level of thinking consumes mental energy
and at the end of the day very little is left
for creative thinking and problem solving.
The rich ignore the narrow thinking,
the petty problems that the middle class often has.
They just know how to devote all their mental energy every day
to thinking big.
They are willing to exchange their day-to-day lifestyle
for a prosperous life,
giving up anger, jealousy
and pettiness caused by fear to others.
The rich work at the conscious level with no room for fear.
It is the level of thinking
that allows them to focus on the ultimate perspective,
at this level of thinking anything is possible.
Dreams that seem crazy to most people are doable to them.
Rich people occupy this psychological space
because they know the key to success in anything is
to attain a higher level of awareness.
In other words, the majority earn a fair amount each year
because they want to;
and only earn so much every year
because I don’t know how to make a lot of money.
Professional athletes are better than amateur athletes
because they train at a higher level of consciousness.
The same is true for students who get A’s and the best artists.
It all involves raising awareness
and starts with eliminating any thoughts
that are rooted in fear and the narrow mindset of the masses.
“You will achieve it all if you work not for the money.”– Walt Disney
Act : Today, think bigger than you ever thought before.
Read books, listen to CDs, attend big thinkers seminars.
Remember: awareness is contagious.
Read books together as husband and wife
No matter how many mistakes you make or how slow you progress,
you are still way ahead of everyone who isn’t trying.— Tony Robbins
Chapter 40 : The middle-class thinks people are plotting to rob them…
The rich people think people are willing to help them
Debts are like children begot with pleasure,
but brought forth in pain. — Moliere
Most people think that the world is a harsh place
and if you are not careful,
people will rob you of your fortune.
This belief is rooted in fear,
so they see life through the eyes of fear and need.
This belief is also partly true.
The world is a harsh place
and some people are just waiting to trick you.
I do not deny objective reality.
The problem is not with understanding this
but with the cognitive level rooted in fear-based thinking.
Fear is the strongest emotion.
Fear-based thinkers see the world through the lens of fear
and deprivation, which makes them pessimistic and paranoid.
Rich people also live in the same environment as ordinary people,
but their thinking is completely different.
This is not a gift they were given from birth
but a choice they made
when they realized the benefits of mind control.
The rich decide to see the world
as it is and what it can be.
And they also see other people this way.
They see the beauty that many people miss.
They see the childish soul inside the adult.
They see potential in everyone they meet.
And they choose to look that way because they can.
Rich people always believe that humanity,
God or a powerful being is always with them,
ready to guide them on the journey to the ultimate perspective.
They race towards their goals and dreams,
believing that every turn they are supported.
While the middle class thinks everyone out
there is always cornering them,
the rich believe that the world is cheering them on
and helping them along the way.
Same world, same reality; only’ other perception.
“God wants us to have a prosperous life,
and complete the mission that He has given us.”– Joel Osteen
Act : Start telling yourself and others
that you believe people are on your side,
supporting you towards your goals and dreams.
Programming a positive mindset like this will gradually form a strong belief
that will give you a strategic advantage in the game.
We are ready there
What others think about you is none of your business.— Jack Canfield
Chapter 41 : The middle-class thinks that thinking is not related to wealth…
The rich people know thinking is the key to a fortune
Rich people plan for four generations.
Poor people plan for Saturday night. — Gloria Steinem
The average person assumes that work,
and money are correlated.
They are taught that the more they do,
the more they earn.
And since there are only 24 hours in a day,
the only way out is a promotion.
Most people only grasp linear thinking.
If an employee wants to earn extra money,
the first thing they think about is going to school to get a master’s degree.
In the linear world,
the more you learn,
the more money you earn.
This is the key to making money,
and also the least effective way.
The rich know money comes from a non-linear world where very few people live.
It’s not because it’s too complicated for the average person,
but it requires them to let go of the idea
that they know how to make money
and make room for a higher level of thinking.
Rich people are masters of inventing
and developing ideas in a variety of ways.
For example, the majority calculate how much
they will be paid for the job while the rich calculate
what they like to do and find a way to do it.
The goal of making money is the same
but the path to making money is completely different.
One side follows the linear path,
the other side follows the non-linear path.
One side is only focused on money,
the other side is always filled with enthusiasm, joy and passion.
Which side will you bet on to make more money?
Linear thinking tells the masses
that thinking has nothing to do with making money.
Non-linear thinking tells the rich
that thinking is the key to unlocking a great fortune.
“I discovered that wealth is a kind of perception
and that anyone can perceive it by thinking like a rich person.”– Andrew Young
Act : Establish the habit of non-linear thinking
by using it every day in different situations.
Do better yesterday
If you don’t design your own life plan,
chances are you’ll fall into someone else’s plan.
And guess what they have planed for you?
Not much.— Jim Rohn
Chapter 42 : The middle class enjoys wealth and takes it for lucky…
The rich people enjoy wealth and take it for the natural laws of life
The impulse dances inside the debt. — Jareb Teague
The majority always believe that wealth,
prosperity and great success are only for a few people
and those are those with outstanding talent,
high education or just plain luck.
When they achieve extraordinary success
or get something unexpected,
they believe it’s just luck and that luck won’t last.
This wrong view followed them to the end of their lives.
Rich people believe the opposite.
They believe that success,
and happiness are the natural laws of life.
Beliefs motivate them to take actions
that help them achieve success.
While most people play video games,
watch TV and surf the internet,
champions set goals
and devise strategies to make these pastimes a reality.
why do I dream of being rich when I think I can’t be?
So while the rich may seem more ambitious,
it is actually their beliefs that lead them to success
and the more successful they are,
the greater that belief.
Their belief is an upward spiral of success
while the majority’s is a downward spiral.
Both sexes think their beliefs are right,
but only one group’s beliefs lead them to success
and the other group directs them to a normal life.
In fact, there are only a few people
who don’t aspire to become millionaires,
but the problem is that most of them don’t realize it.
While the rich continue to carry out one dream after another,
the poor stand on the sidelines,
denigrating success and thinking it is just luck.
“A half-liter bottle cannot hold a liter.
If a half-liter can hold a liter,
it’s overdoing it.” – Margaret Deland
Act : Raise your expectations in life
and don’t be surprised when good things come your way.
We can create a famous retail chain
all earned riches,
have their beginning in an idea.— Napoleon Hill
Chapter 43 : The middle class believes that the more money you earn,
the more pressure you have…
The rich believe that the more money you make,
the less pressure you have
Empty pockets never held anyone back.
Only empty heads and empty hearts can do that. — Norman Vincent Peale
Ordinary people equate high income with a lot of pressure.
And those who want to be successful have to sweat
and cry ten thousand times more than people other.
Rich people believe that the more money you make,
the less pressure you have
because most problems can be solved with money.
Almost any pressure both in business
and in relationships stem from a lack of money,
so the more money there is,
the less pressure there is to have.
Rich people often say that
if you want to take the pressure off
and spend more time with your family,
the fastest way is to earn enough money
so you can quit your job.
Many employees who earn six-digit salaries
and a range of bonuses are actually still among the working poor
because they spend more than they earn while
still not having enough time to spend with their families.
These smart people barely realize
that with just a little adjustment in beliefs and behaviors,
they can make more money in a week than they currently make in a year.
It is this limited view that makes them think
that the only way to make a lot of money is to work overtime or get a promotion.
Non-linear rich people hold the world in their hands.
They can control their money and pressure.
The secret to getting to this level is realizing the need
for a different set of beliefs and philosophies.
“Money can only be used for two things.
One is to make you comfortable,
the more comfortable you are,
the more creative you are.
The second is to help expand
and enhance your services.”– Bob Proctor
Act: Imagine the extra mental energy you will spend on realizing your dreams
without worrying about money.
Welcome challenge and play games daily to earn customer’s tips
Remember, it’s not conditions
but decisions that determine our lives.— Tony Robbins
Chapter 44 : The middle-class people believe that more money is more of a problem…
The rich people believe that more money is less of a problem
When you get in debt you become a slave. — Andrew Jackson
Another misconception of the majority is that millionaires are workaholics
who do not have time to enjoy life.
This is also an excuse most people use
to justify their empty pockets.
It’s like they find excuses to avoid success
by making it seem unattractive.
In fact, there are many millionaires
who appear to be workaholics,
but mostly because they enjoy it
and don’t see it as work.
There is a line between work and play for the self-made rich,
and it is often difficult for them
to draw a clear line.
These people love to solve problems
because they enjoy the work
and are captivated by its dynamics.
When you’re a millionaire and you’re tired of solving problems,
you pay someone else to do it for you.
The majority do not have this option,
so they have to deal with more problems on their own than those of the Rich.
Just being able to pay others to solve their problems gives them the freedom
to focus on their important,
Money helps the rich to control all aspects of business and life.
The more money they have,
the less they have to deal with the problem themselves.
While the majority have to stay up all night
because of trouble,
millionaires sleep well knowing
that everything will be resolved smoothly.
The paradox is that the middle class is always worried
and barely earns enough to live on,
while the millionaires do not have to worry about anything and still earn a fortune.
“Success is when you worry about everything in the world but money.” – Johnny Cash
Act : Make a list of the main problems and divide them into two categories:
problems that can be solved with money
and problems that cannot be solved with money.
90 % matter can be solved with money,
10% rest matter cannot be solved with money
Successful people maintain a positive focus in life no matter
what is going on around them.— Jack Canfield
Chapter 45 : The middle-class people believe rich people are obsessed with money…
The rich people believe they are obsessed with success
A man in debt is so far a slave. — Ralph Waldo Emerson
Ordinary people think that “obsessed” is a word with a negative connotation.
In fact, the rich have an active obsession
with getting what they want, including money.
Materialism is only part of their motivation,
the strongest part for most is the freedom to do
what they want, when they want.
They treat business and life like games
and that’s the game they want to win.
This is why millionaires still chase success every day.
Money for these people is just a measure of
when they reach their ultimate goal.
Most of the money the rich earn will be left to the next generation
or given to charity.
It’s hard for the rich to become obsessed with money
when they’re not going to spend it.
They are more obsessed with success and fulfillment.
There’s nothing wrong with obsessing about wealth,
but it’s not the main motivator for most millionaires
once they’ve achieved a certain amount of wealth.
The amount is different from person to person
but the phenomenon is the same.
Winners love to win and the joy they experience
after winning remains intact.
Most people don’t understand this
because they’ve never had enough progress to make it a second priority in life.
They can’t see life as a game
when the money is not enough to pay the phone bill.
The rich are masters at getting what they want,
and their primary goal is to build a fortune enough
for them to move on to higher goals like fulfillment,
time freedom, and philanthropy.
This enables them to live the lifestyle most people dream of
and experience recreational activities that many cannot imagine.
“Life is a game.
Money is how we score.” – Ted Timer
Act : Think about what you want
and what you are willing to sacrifice to get it.
Your discipline and dedication must match your desires.
Focus on our goals: total money have 50.000 ringgit at 19th Jan 2023
max deposit money,
max wise investment
Influence is the single most important skill you can master in your lifetime.— Tony Robbins
Chapter 46 : The middle class believes the rich are selfish
and only care about themselves…
The rich also believe the rich are selfish
and only care about themselves.
I say to you never involve yourself in debt,
and become no man’s surety. — Andrew Jackson
Both the middle class and the rich believe
that the rich are selfish
and only care about themselves.
The difference is that the middle class thinks it’s wrong,
while the rich think it’s the right thing to do.
Most people are programmed to believe from an early age
that they should put the interests of others before their own.
It sounds philosophical,
but this is the worst advice.
the first thing a flight attendant tells a passenger is “In an emergency,
the oxygen mask will be dropped
from the top right in front of you.
Put on a mask for yourself
and let the gas out before helping others.”
That selfish strategy has saved many lives,
and it’s a simple premise:
If you don’t care about yourself,
you can’t help others.
You can’t give away what you don’t have
and if you’re always trying to pay the bills,
and volunteering four nights a week,
you’re doing them harm,
not helping them.
The philosophy of the rich is to become rich,
get what you want,
and help others the way you want.
Any millionaire will say that in the early stages
of building a business
you have to focus on yourself
and your business to be successful.
Although this is not the highest level of thinking,
they know that it is necessary to create great success.
When their assets are solid,
they can only think of helping others.
Meanwhile, the majority work hard with a lot of intentions
but can’t give much to themselves and others.
They master all that the rich think and do,
but very few of them dare to open up
because their beliefs are so deeply embedded in their minds
that they don’t see a higher level of thinking.
“Selfish can be a virtue.
Selfishness is essential to existence,
and without it we could not protect
those we love more than ourselves.”- Duke Ellington
Act : Today, let go of the limiting beliefs of the middle class
and start practicing thinking like the rich.
Chapter 47 : The middle class dreams of having enough money to retire…
The rich dream of having enough money to make an impact in the world
Creditors have better memories than debtors. — Benjamin Franklin
When I studied the super-successful and super-rich in 1984,
I thought they were more ambitious than the average person.
After hundreds of interviews,
I realized that it was not a lack of aspiration
but a lack of belief in one’s ability that most people were not rich.
The average person has too many limiting beliefs about money.
Without this intervention,
people have little or no chance of becoming rich.
The sad thing is,
they have everything they need to make more money
and if they weren’t bogged down in limiting beliefs they could have done it.
The problem is that most people are never taught about the power of beliefs
that can influence their behavior and performance.
They often forget that beliefs control everything we do.
Fear-based thinking causes them to see things through a filter of doubt
This prevents them from accessing life-changing books
and faith-changing seminars conducted by leading experts in the field.
It is this limited mindset that makes
the majority of people’s money-making goal often stop at the age of 65
and hope to have enough money to live for the rest of their lives.
Rich people aim to have world influence with their wealth.
Some people do this through charitable causes,
others through business or other financial instruments.
They work while living fully material lives and enjoying peace of mind.
“Wealth is power.
When you’re rich,
anything is possible.”– George Clason
Act : Make a list of 5 ways to make a difference if you have money,
and how much do you expect it to cost?
Think and deposit first 80% total incomes
Spend the rest of the money 80% total incomes
Look for investment opportunities
People who don’t have goals work for people who do. — Jack Canfield
Chapter 48 : The middle class believes it’s wise to be skeptical…
The rich believe it’s wise to be optimistic
The best investment on Earth is earth. — Louis Glickman
Most people work with the limited belief that skepticism is the safest bet.
fear tells them not to hope so they won’t be disappointed.
Big thinkers rise through business and stay positive.
They believe that everything they touch turns to gold,
and if it hasn’t turned into gold,
they believe the following idea will.
Optimism keeps people moving forward no matter how often they fail.
Make no mistake: successful people have failed.
In fact, they fail so much that you could call them ‘professional losers’.
The difference is that when the majority fail,
they get frustrated and never try again.
When millionaires fail, they shrug their shoulders
and move on with their ideas.
They understand what failure is,
but to them it’s like a ladder to success.
And because they don’t suffer like most when they fail,
they keep coming up with new ideas until they get rich.
The real strength lies in optimism.
They dare to ignore their self-esteem and stand up when they fall.
At the beginning of their career,
they were laughed at by friends and family when they failed,
and were seen as fools.
When they finally got ahead and built a fortune,
it was these same people who said they were lucky.
While skeptics find ways to justify the sudden success of friends or relatives,
the rich move on with their next project
that promises to bring them even more profits.
They ignore the critical people who sit on the sidelines and scorn their success,
and are always optimistic that one day they will see the light.
“Pessimism leads to weakness,
optimism leads to strength.” – William James
Act : Decide to be an optimist like the rich today.
Read book of rich man daily
The best way to sell yourself to others is first
to sell the others to yourself. — Napoleon Hill
Chapter 49 : The middle-class thinks that the rich should help the poor…
The rich think that the poor should act on their own
The best time to plant a tree was 20 years ago.
The second best time is today. ― Ancient Chinese Proverb
Since the majority believe that people get rich by luck or social advantage,
it is fair to the rich to share a portion of their money with those who have less.
The rich believe that every citizen in a market economy
It has a chance to become rich.
They believe that becoming rich is a choice.
While the rich have a lot to give
and are the biggest philanthropists,
they do it out of will,
not out of moral code or social pressure.
Many wealthy families make the mistake of letting their children spend lavishly
and pay dearly for it.
Self-made millionaires believe
that self-advocacy is the guide to their lives.
At the same time,
the middle class tends to blame others
and expect others to take care of them.
Society also relies on this philosophy calling on the rich to fund the less successful.
Under the lens of love and abundance,
this type of sponsorship inevitably leads people to believe
that they cannot take care of themselves
and have no hope of accomplishing tasks on their own.
Some powerful people grasp this
and use it as a tool to control the majority.
The poor who receive assistance will believe
that they have no control over their lives,
and become so engulfed in fear that they do not realize
that they are being systematically destroyed from the inside out,
do not believe that self-advocacy will bring success.
“Self-advocacy is the only path to true freedom,
being yourself is the ultimate reward.”– Patricia Sampson
Act : Decide to increase self-motivation in all areas of your life.
We can earn incomes by our quality service
Happy, pleasure and healthy
The reason man may become the master of his own destiny is
because he has the power to influence
his own subconscious mind. — Napoleon Hill
Chapter 50 : The middle class sees the rich as oppressors…
The rich see themselves as social liberators
Formal education will make you a living self education will make you a fortune. ― Jim Rohn
The middle class has been serving the rich.
This reality combined with a fear-based perception
It makes the majority feel jealous of the rich and the powerful.
Rich people hire employees to work for them
and this makes the average person think that the boss is an oppressor.
In fact, the rich are great social liberators
because they pay most of their taxes,
give most of their money to charity,
and create products and services…
Another reason the rich are social liberators is
because they have the ability to make choices and execute ideas.
The average person has almost no financial power.
Even in the richest country in the world,
most of the population still lives on wages.
This keeps them in a constant state of fear,
causing them to hold onto their beliefs, philosophies,
and behaviors that were formed from scratch.
Meanwhile, rich people think in the direction of tolerance, gratitude
and continue to get richer day by day.
This is repeated until they believe they are capable
of achieving whatever goal they have set.
While both groups live in the same world,
the inner world is quite different.
As time goes by,
the gap between rich and poor widens.
“Don’t criticize the rich.
When will the poor bring you jobs? – Laurence J. Peter
Act : Make a list of 10 reasons the rich have a positive impact on society.
Create jobs for others
Research and Develop
Be proud of human
Make money serves them
When you close the door of your mind to negative thoughts,
the door of opportunity opens to you.— Napoleon Hill
Chapter 51 : The middle- class believes that getting rich is out of control…
The rich people know that getting rich is within reach
Buy land, they’re not making it anymore. — Mark Twain
The majority don’t understand the essence of property building,
that’s why from generation to generation,
they approach building a fortune the same and always fail.
The school teaches basic financial balancing principles,
and basic math.
This guide directs students and young adults to thinking linearly about money.
If they don’t know the truth about
how to build a fortune through a book like this, the game is over before it even begins.
The truth is: getting rich starts with your mindset
and your beliefs about making money.
If your parents were broke,
you will be too if you adopt their beliefs
and philosophies about money.
Critical thinking says that the only reason people settle for mediocrity is
because they don’t know how to get over it.
The secret is always the same: thinking.
Every action we take comes from the way we think and what we believe.
While the majority believe that becoming rich is beyond their control;
Rich people believe that making money
and accumulating wealth have a causal relationship.
The cause of our behavior is our belief system;
and we will get the result of the behavior.
Change your beliefs, and you automatically change your behavior
and bottom line.
With this in mind, big thinkers always advance their beliefs a
nd philosophies about money by studying richer people.
“Wealth is largely the result of habit.”- John Jacob Astor
Act : Based on what you’ve learned from this book,
make a list of five rich people’s beliefs about money
and start telling yourself that you believe these things too.
Money has anywhere,
money has no limit, we can attract money.
It’s not what we do once in a while that counts,
but our habitual actions.
What ultimately determines
who we become and where we go in life are our decisions.
These decisions shape our destiny.— Tony Robbins
Chapter 52 : The middle-class thinks that the rich believe they are smarter…
The rich know that intelligence has little to do with wealth.
Every person who invests in well-selected real estate in a growing section
of a prosperous community adopts the surest
and safest method of becoming independent,
for real estate is the basis of wealth. — Heodore Roosevelt
The majority consider the rich to be the elite of society,
who consider themselves the best.
This misconception is shared by those
who are frustrated by their lack of success
and who are jealous of those who are successful.
The truth is that the rich don’t think they’re smarter or better,
and they admire those who have the courage
and work to spend a lifetime earning a meager salary.
It is impossible not to admire the miners
or bricklayers who worked hard every day for 40 years
and only earned very little.
Hard workers are not a good strategy for making money
but they deserve respect.
Self-made billionaires know that getting rich is not about intelligence
but about focus and consistency.
They know the average person is more focused on video games,
surfing the internet,
and watching TV than building a portfolio.
That’s why many millionaires are high school students and college dropouts.
They leave school
because they do not find purpose in what they are learning.
Many school programs are too spread out,
outdated and lack the necessary database
to teach students how to get rich.
Most teachers don’t know how to make a fortune.
While the rich believe in education,
very few of them attribute their financial empires to their schooling.
Getting rich doesn’t mean getting smarter,
learning more, but knowing
what you want and putting all your heart into getting it no matter
how long or hard it takes.
It’s simple but not easy.
The problem is that so many people are so fixated on their limited beliefs about money
that they never try to internalize the goals of the rich.
“Never forget: the secret to creating wealth for yourself is
to create wealth for others.”- Sir John Templeton
Act : Tell yourself every day that you have everything it takes
to be as rich as you want to be.
What we need to have commission, give others your solutions.
Knowledge is only potential power.— Napoleon Hill
Chapter 53 : The middle-class deals with everyone…
The rich people carefully control their relationships
Buy on the fringe and wait.
Buy land near a growing city!
Buy real estate when other people want to sell.
Hold what you buy! — John Jacob Astor
Highly educated people like to associate with learned people.
People with a slim body like to spend time with people who are fit.
Religious people like to associate with religious people.
And rich people like to associate with rich people.
Like-minded people often attract each other,
so the rich are often criticized for having a tight circle of communication
that makes it difficult for others to come in unless that person is rich.
Successful people generally agree that awareness is contagious
and that being around successful people helps you
to broaden your mindset and amplify your income.
We will be like the people we associate with
and that’s why winners attract winners,
in other sections of society this is acceptable
but rich people are often criticized
for their tendency
to only socialize with people of the same level.
Millionaires have a different way of thinking about money
than the middle class.
It follows from this concept
that millionaires don’t know how to become a billionaire.
After all, why would someone only make millions
when they can potentially make billions?
That is why millionaires are always trying to find a way
to join the richest group of people in the world.
Ordinary people want to meet millionaires to tell their friends;
Millionaires want to socialize
with billionaires to learn how to think.
The group watched the game and the other group participated in the game.
The important question is which group do you belong to?
“People learn only in two ways,
the most enjoyable way is by reading
and the second is by communicating with smarter people.”– Will Rogers
Act : Make it a goal to double your time with people richer than you.
Focus on 80% our time make customers comfortable,
friendly and pleasure. 80% time for 80% incomes,
Discover jobs increase your incomes.
No man achieves great success who is unwilling to make personal sacrifices. — Napoleon Hill
Chapter 54 : The middle class study for a degree…
The rich choose any form of training that makes them rich
Don’t wait to buy real estate.
Buy real estate and wait. — Will Rogers
The majority believe that formal education is the only form of education
that will make you successful.
When they want to make more money,
the company will encourage them to study further and get a master’s or doctorate degree.
Employers are usually willing to pay for this.
This is one of the least effective ways to increase income.
The most effective and profitable way is to solve a problem
that no one else can solve and sell it.
The bigger the problem, the more money.
That is the basic thing to make a lot of money.
Sometimes higher education is needed,
and that’s when big thinkers turn to an education
that can provide the knowledge
they find necessary to get what they want.
Sometimes they find it in college,
but more often they go to people
who have done the work they want to do.
This is why career and personal development seminars have become so popular over the years.
Speakers are often extremely successful in their fields
and come back to share their secrets with others who want similar success.
Some ambitious rich people join multi-level marketing organizations
to earn money while learning the business process.
This is another extremely effective method of learning from the rich.
The rich and the ambitious are avid fans
of self-education by reading books,
listening to radio shows,
and other educational materials.
They will educate themselves
by interviewing successful people in their field.
They will hire their own coach or mentor.
They will study in any form to make their dreams come true,
and don’t need a degree to secure their investment.
So while the middle class limits themselves to education,
the rich are willing to accept any form of help that brings them closer to their goals.
“Knowing how to study is enough to prove you are wise.”– Henry Adams
Act : Join multi-level selling with different monetization plans to learn
how to sell products,
recruit more people and build a sales team.
You will learn about how rich people think and act.
My husband focus on sell products,
I focus on finance and investment
The person who doesn’t know where his next dollar is coming
from usually doesn’t know where his last dollar went. — Grant Cardone
Chapter 55 : The middle- class does not have a clear goal…
The rich people always think with a goal
Gold opens all locks.
No lock will hold against the power of gold. — George Herbert
Ordinary people want a lot of things but half-heartedly.
Great people wholeheartedly focus on one goal.
I’ve studied thousands of people to find out what their goals are,
and only 3% of them give a specific amount of mental energy needed to succeed.
Big thinkers focus on the most important goal
and set deadlines for achieving it.
This is how self-made millionaires are born.
While most people waste their mental energy
and creativity on different goals,
the rich just focus on making money.
If what they are doing is not profitable, they will stop.
Once they have earned the desired amount,
they will shift their focus to another goal.
It is their commitment to building a financial empire that either works
or dies that guarantees their success.
The middle class has a similar focus
but lacks the confidence needed to put themselves
and their goals on the same path.
There is no magic in this process
but you have to believe that either you can succeed
or you are not persistent enough until you succeed.
Again, trust is the star of the show.
It’s not an exaggeration to say
that belief can make you rich
as long as it’s accompanied by action.
Rich people know this and use it to get what they want in life.
“You have to get into the habit of thinking with specific goals.”- John Henry Patterson
Act : List a specific amount of money you want to earn over the next 12 months.
5.000 Ringgit per months
Your salary is the bribe they give you to forget your dream. ― WarrenBuffett
Chapter 56 : The middle-class do as little as possible…
The rich do as smart as possible
Where gold speaks,
every tongue is silent. — Italian Proverb
The most popular strategy of getting rich is buying lottery tickets.
Even when the probability of losing is very high,
millions of people still rush to buy lottery tickets every day
in the hope of getting rich quickly
without respecting much effort.
It doesn’t sound like much until you dive into this trend,
which reveals the sad truth:
most people subconsciously believ
e this is their only chance to get rich.
People come to Las Vegas for one reason only:
to win big on a gamble to never have
to worry about money again.
Instead of betting on themselves,
they think they have a better chance of putting their full capital into the game.
Of course the only one who makes a profit is the casino owner.
Middle-class people go to work every day wondering
why to live in financial anxiety.
They look down on their bosses and company leaders,
who they consider greedy,
and wonder why life is so unfair to them.
Whereas people with a big mindset
instead of betting on lottery tickets
and gambling, they bet on themselves.
They always give their best every day and believe
that with each action they are getting very close
to their goals and dreams.
Because 95% of their opponents are common-sense people,
they easily rise up and focus all their efforts
to overcome the remaining 5%.
When they get to this level,
they make more money in 1 year than most people make in 5 years.
They made a huge fortune
because they realized that the top 5% of people
in each field work beyond themselves
and into the world of creative thinking.
This helps them channel their mental energy into solving problems
that the rest of the 95% can’t think of.
How much money is earned
when one starts thinking at the highest level,
where fear and lack are replaced by love,
This level of awareness not only makes them materially rich,
but also spiritually rich,
a feeling of complete happiness.
“A happy person is one who finds a job
and does not ask for more happiness.”– Thomas Carlyle
Act : Invest in yourself today by buying a book,
hosting a training or personal development event,
or listening to a how to get rich CD.
Sure, we are write books for us
Your most valuable asset can be your willingness
to persist longer than anyone else.— Brian Tracy
Chapter 57 : The middle- class likes to be comfortable…
The rich people feel comfortable even in uncomfortable circumstances
When Gold argues the cause, eloquence is impotent. — Publilius Syrus
After more than two decades of surveys,
I have found that everyone wants to be comfortable.
and sensory comfort is the primary goal
of the middle class.
Pleasant comfort in health,
money and other aspects of life;
and many people achieve this feeling.
Big thinkers realize early on
that becoming a millionaire is not easy
and that the need for comfort can disappear.
They learn to feel comfortable even
when working in uncomfortable circumstances.
Rich people know they have to pay for their wealth,
and if they are persistent enough to overcome the momentary pain,
they will reap abundant rewards.
Most people avoid things they don’t like when that is
where the most opportunities are in the early stages of getting rich.
Millionaires also don’t like to do these things,
but they do it anyway
because they believe it will help them have a better life.
These people have a very optimistic mindset.
They do not accept the skepticism of the middle class.
It’s not because these people are skeptical
when they can’t come up with a logical argument,
but it’s because that mindset doesn’t make them rich.
While everyone around is negative,
the rich move forward
and their reward is wealth for the rest of their lives.
“The best things that always shine and bring me joy are:
kindness, beauty and truth.
The goal of comfort or happiness has never appealed to me;
The ethical system established on this basis
is only suitable for the herd.” – Albert Einstein
Act : Make a list of 5 things you have to do today
that make you uncomfortable but will help you build a business.
Min cost, take time to think
Min go out for party, make friends,
Min time for entertainment
Min time contact, listen others
Successful people spend 10% of their time focused on the problems
and 90% of the rest,
focused on the solution.— Tony Robbins
Chapter 58 : The middle-class is shy and easily frightened…
The rich are aggressive and bold
He fishes well who uses a golden hook. — Latin Proverb
Ordinary people are taught from childhood to be quiet, stay out of trouble,
and not cause trouble.
College students are encouraged to have ‘realistic’ goals.
Of course the practice is based on the subjective perception of the professor
or leading advisor at the school
and their level of perception of money.
Most people think life is dangerous and scary,
and to live with the least amount of damage
it is best to work within safety
and avoid unnecessary risks.
It is this mindset that makes people only dare
to choose the least risky occupations
and ensure the longest working time.
Big thinkers get the same advice,
but then they realize
that it’s only by thinking differently
that they stand a chance of getting rich.
They learn to be bold, aggressive,
and fearless in their pursuit of wealth.
More mistakes they make in a year than most people make in a lifetime.
They lose money,
make bad decisions,
and worry about paying bills all day long,
while the people around them move forward working in safety
and adding to their retirement funds every week.
They see friends buying houses,
While they spend more and more with credit cards
and never know when to pay back.
The family thought they were crazy
and begged them to get a job.
But once big thinkers know the secret to getting rich,
they never go back to the mainstream.
They do not allow themselves to settle down
with poor financial resources,
while the world is full of money,
only someone strong enough can get it.
The ending of the story is predictable:
They fight and resist vigorously with nothing to prove
and then one day their efforts pay off a little.
Then a lot.
And then so much that it stunned others.
Suddenly a daring,
crazy-looking “dreamer” is rich beyond imagination.
One day dreams come true.
The truth, of course,
is that it took them years of persistence
and total effort to get to the level of thinking
that could make a lot of money.
“Both wealth and love support the enterprising.”– Ovid
Act : Prepare yourself for the wave of criticism
you may experience in the process of getting rich.
Don’t be surprised when the masses attack you.
We don’t care them, we ignore them
Yesterday does not equal tomorrow.
Forget the past and move towards your goals.— Tony Robbins
Chapter 59 : The middle class forever nostalgic for the past…
The rich look to the good future
Profit are better than wages. ― Jim Rohn
Most of us have heard stories about the good old days.
At that time,
the world was a nice and peaceful place:
peaceful life, honest people.
The poor keep telling the story from generation to generation
without realizing how devastating it is.
Those who think that the best days are
over have hardly any wealth
and are faced with unhappiness and sadness all day long.
Big thinkers are future-oriented and optimistic about what’s to come.
Their fascinating lives are created twice:
first in their heads and second in reality.
This habit helps them to foresee the future,
where love and prosperity reign, and money flows in abundance.
They acknowledge and learn from the past
while living in the present and dreaming of the future.
The majority justify not having achieved success by clinging to the belief
that the past is where the best opportunities are
and there won’t be any good opportunities in the future.
This belief helps them feel comfortable but limits their success.
Self-made millionaires are getting richer
because they are willing to bet on themselves
and make plans to fulfill their dreams, goals, and ideas.
Most of their planning time is spent defining goals
that may not be realized for many years,
but they are patient and diligent in planning and visualizing the future.
When it comes to building a fortune,
they focus on the assets they want to have
and then connect emotionally with the goal.
Great people know money can’t control them;
On the contrary, they charge for their service.
Whatever they do is connected to the emotion they want to experience.
Once the emotion is connected to the goal,
the level of commitment to the goal also increases.
“The empire of the future is the empire of the mind.”- Winston Churchill
Act : Decide to be ‘future-oriented’ by focusing on the present
and dreaming about the future.
80% our time for this
Riches begin in the form of thought.— Napoleon Hill
Chapter 60 : The middle class likes to play it safe…
The rich people always take risks to win
Do not take yearly results too seriously.
Instead, focus on four or five-year averages. — Warren Buffett
Because feeling comfortable
and safe is a top priority for the middle class,
subconsciously they always want to live
in their comfort zone and avoid risk at all costs.
Rich people work in the spirit of being prepared for death.
They always plan at night and execute it during the day.
They are critical thinkers.
They know they don’t have many days left to live
and the clock is always ticking.
Because death is always near,
they have nothing to lose.
They courageously take advantage of opportunities
and they succeed and fail more times in a year
than most people succeed
and fail in a lifetime.
Their failure was great,
but their success was even greater.
They live in luxury and wake up each morning feeling excited and full of hope.
They know they will be richer tomorrow than they are today,
and today’s assets both help them gain greater opportunity
and reduce their risk.
Each success increases their confidence level,
encouraging them to take greater risks
with the realization that if they fail,
they still have the skills and knowledge to take back.
So while most people struggle
with life and dream of living in comfort,
the rich live in prosperity and dream of a higher standard of living.
“The fact that someone should become rich shows
that people can become rich,
and so it is the driving force for industries and businesses.”- Abraham Lincoln
Act : Decide to follow your dream while you still have the chance.
Remember that one day your time will run out.
We follow our dreams daily
The only real limitation on your abilities is the level of your desires.
If you want it badly enough,
there are no limits on what you can achieve. — Brian Tracy
Chapter 61 : The middle-class people expect little to not be disappointed…
The rich people expect big to be successful
The best education you can get is investing in yourself,
and that doesn’t mean college or university. — Warren Buffett
The middle class does not want to expect too much from life
and they are supported by many experts.
Psychologists and mental health professionals often see little to no disappointment.
College psychology professors also recommend the same to students.
A person rich in advice is no different from committing a crime.
No one can fulfill his dream without hope.
The sages used to say to expect to get what you expect,
but many people limit themselves to the normal
so as not to make mistakes.
The rich people I interviewed in 26 years have failed many times.
Most of them used to lose a lot of money.
What they don’t know is the prerequisite for great success.
Great wealth is derived from the vain hopes of unreasonable people.
who have searched for super-successful people have concluded
that they are exceptional
and extremely intelligent people thus suggesting
that they are back unfit for the masses.
In our research,
I showed that the difference
between the intermediate limit
and the self-made millionaire is the way of thinking.
The group sees life as a constant battle,
the other group sees life as a game.
Rich people are constantly increasing their hopes
because they like the excitement of playing the game.
The more they strive,
the more they work and the more successful they become.
Meanwhile the majority continued to fight
and live a life of despair in silence.
“No one succeeds with the wildest hope
unless he begins with the wildest hope.”- Ralph Charell
Commentary thinking questions :
You was set the period of the main resources to not?
Act : Review your own goals and increase them by at least 50%
even if you don’t know how to achieve them.
This thing will be but you must be open the private nd increase hope.
We can earn average 150 Ringgit in day shift or 250 Ringgit in night shift by customer tips.
But sometime we can gain 440 Ringgit, even top is 670 Ringgit on special day.
The one and only thing over which you have complete
and total control is how you focus your own mind.
Luckily, this determines everything else.— Napoleon Hill
Chapter 62 : The middle class gets lucky and is afraid of losing…
The rich people get lucky and find a way to develop it
Making money is common sense.
It’s not rocket science.
when it comes to money,
common sense is uncommon. — Robert Kiyosaki
The middle class believes that life is harsh and that great things only come to the rich.
Rich people believe that success,
fulfillment and happiness come to them for sure.
When great things happen to the middle class,
most of them wait for the bad to happen.
After all, what kind of person must they be to experience great success?
This belief causes the average person to find a way to destroy success
in order to return to a comfortable state.
Just as water finds its own level,
so do expectations and beliefs return to its own level.
This is why people at the same level of success play with each other,
here money is not an issue
but a matter of perception that has represented different economic levels.
Middle-income people have the same mindset.
Likewise, millionaires think alike,
and that’s why they like to socialize.
The fastest way to get rich is to hang out
with rich people and see how they think.
Then, after mimicking their core beliefs and philosophies,
you’ll see your behavior begin to change.
Remember that perception is contagious and we tend to follow the beliefs
and philosophies of the people we spend most of our time with.
While how to make money is common knowledge,
upgrading the beliefs a
nd philosophies of millionaires is little known.
Because behavior reveals beliefs,
exploring the beliefs of super-successful people to upgrade the habits
that create success is a smart strategy.
The secret is, you have to believe it’s possible
for you to make the effort,
and most people don’t believe
that something so powerful can be so simple.
They have nothing to lose by trying this,
but fear-based thinking tells them it will be a waste of time.
Meanwhile, the rich continue to collect money quietly.
“Making money is an art and good business is the best art.”– Andy Warhol
Act : Make a list of things you can raise to build a business.
Build market in Bangladesh
Build schools in countryside of Bangladesh
Build hospitals in countryside of Bangladesh
Create Grocery system chain in the world
Buy real estate in Viet Nam
Buy house in Malaysia
The ultimate reason for setting goals is to entice you to become the person
it takes to achieve them.— Jim Rohn
Chapter 63 : The middle-class people are encouraged to make money from outside influences…
The rich people are encouraged to make money from internal motivation
The philosophy of the rich and the poor is this:
the rich invest their money and spend what is left.
The poor spend their money and invest what is left. — Robert Kiyosaki
Ordinary people work for money.
If the employer stops paying,
they won’t come to work anymore.
Rich people work because they love what they do,
and work is one of the most enjoyable things in life.
They choose their jobs as carefully as they choose their life partner.
Once they know their passion
and figure out how to make money from it,
their work is always tied to their thoughts.
It’s not because they’re too prescriptive,
but because they really like the job they’ve chosen.
So while the majority left the office at 5 o’clock
and thought nothing of the work,
the leaders continued to come up
with strategies and fantasize about new ideas.
The reason for that difference is not because of intelligence or education
but because of motivation.
While the middle class makes money from outside influences,
the rich make money from within.
When work becomes difficult and anger increases,
the average person avoids it by participating in social activities,
taking weekends off,
When super-successful people get angry,
they study hard
and persist until they solve the problem because they love a challenge.
Motivation from within drives them to get rich.
This dynamic is what the middle class calls ‘luck’.
In fact, luck has little to do with motivation except
that they are lucky to know what they want to do,
but this is often the result of tremendous effort.
Most people prefer to call it ‘lucky’
or attribute the success of brilliant people to something rather
than their efforts to justify not being as dedicated
to their work as they are.
So great people become millionaires and live their dreams.
“If you do the right thing,
the money will flow into your pocket.”– Jose Silva
Act : Describe your job, career or business on paper.
We provide best quality service to customers
The successful man or woman always looks for the advantage
or benefit in every situation
and lo and behold, they always find it.— Napoleon Hill
Chapter 64 : The middle-class people believe that money makes them happier…
The rich people know that money has little to do with happiness
The ability to sell is the number one skill in business.
If you cannot sell,
don’t bother thinking about becoming a business owner. — Robert Kiyosaki
Most people always misunderstand money.
From the non-linear nature to how and why money flows.
Ordinary people do not understand and will never understand.
The most common misconception about money
is that the more money the happier.
Many famous people say that ‘money doesn’t make you happy’,
but at the same time try to convince themselves
that money does make them happy.
Since they have never had much money
and always have to live in a difficult way,
it is very difficult to convince them
that moving forward will not make them happier.
But they keep repeating that chorus for their
because it was programmed from childhood.
Most people who impose this limiting belief on them are empty-handed
and repeat the program
that has been set up in their heads over and over.
So most people struggle with this belief
because they are desperate for money.
Ironically, this belief is true.
Once your basic needs are met, extra money won’t make you happier,
and the rich know this all too well.
You don’t get richer to be happier;
You get rich because of the freedom that money gives.
People who control most aspects of their lives control their time.
This allows you to live the life you want,
but it doesn’t mean it will make you happier.
It’s like being hungry every day
because there’s barely enough food,
and then suddenly waking up one morning with a table full of food.
That may seem to make you happy for a few weeks,
but over time you will adjust to this abundant food source.
Do you feel happier? Yes, but only temporarily.
So most people come up with this belief
to make them feel more comfortable with poverty,
but this is absolutely true.
It’s funny that while they say that, they don’t believe it.
The best solution is to get rich and prove it to yourself.
“Money doesn’t make you happy.
I have $50 million now,
but I’m just as happy as
when I had $48 million.” – Arnold Schwarzenegger
Act : Make a list of 10 things you can do like a millionaire that you can’t do now.
Build market in Bangladesh
Build schools in countryside of Bangladesh
Build hospitals in countryside of Bangladesh
Create Grocery system chain in the world
Support son opens the notary offices
Stay in Singapore
Buy house in Malaysia
Travel China, America and Dubai
Invest real estate in Ho Chi Ming city
Teach people finance and invest knowledge
The only reason we don’t have what we want in life is the reasons
we create why we can’t have them.— Tony Robbins
Chapter 65 : The middle class believes that people earn money to have power…
The rich people believe that people make money to have control over their lives.
I am concerned that too many people are focused too much on money
and not on their greatest wealth,
which is their education.
If people are prepared to be flexible,
keep an open mind and learn,
they will grow richer
and richer through the changes.
If they think money will solve the problems,
I am afraid those people will have a rough ride. — Robert Kiyosaki
The majority view the rich
as capitalists hungry for power.
They believe that people build their fortunes
to gain influence in business,
politics, and other areas of life.
Hollywood repeats this belief in movies and TV shows
that portray the rich as scoundrels
who take advantage of the less fortunate to gain power.
This is most clearly shown in entertainment programs,
but in reality it is not true.
Successful people make money for the personal freedom
and control that money offers.
This freedom encourages them to quit jobs they don’t like
but still be able to provide for their families.
The list of motivators is endless,
but personal freedom and control are common denominators.
In a market economy,
freedom can not only buy economic freedom,
but it can also help ordinary people upgrade their beliefs
Most people have never raised their consciousness to get rich,
but that doesn’t affect their beliefs.
The biggest barrier most people face is spending time
with common-sense people
who are constantly building on their limited beliefs.
Because the rich only associate with the rich,
the poor associate with the poor,
and both groups always strengthen their group’s beliefs.
As both sexes strengthen their beliefs,
they increasingly believe that they are right.
The majority see more poverty
and the rich see more abundance.
Can you guess which group is richer?
Now you know why.
“Money is one of the most important topics in your life.
The most exciting or disappointing things in life all stem
from the decisions you make about money.
Whether you are always calm or constantly worried,
you will still depend on taking control of your finances.”- Robert Alien
Act : Make a list of 10 middle-class beliefs about money
and move from there to the 10 beliefs of the rich.
|Rich mindset||Poor mindset|
|We can create life as we wish||Follow other life|
|We can make rich||We can’t make rich|
|Rich is by focusing on, disciplining, and passion||Give up|
|Believe you can||Don’t believe yourself|
|Have big goals||Don’t have any goal|
|Have detail plans for actions daily||Don’t any plan for life|
|Good communication||Negative mindset|
|Be the best professional in your career field||Normal|
|Good at finance knowledge||Don’t know finance knowledge|
|Have best friends, read business books daily||Don’t have best friends|