"Building generational wealth that will allow you and your family to live off dividends and interest isn't impossible. In fact, more than 90% of the super-rich in America (the top 0.9% of wealth), didn't inherit any money!"
How to Become Wealthy
Nine Truths That Can Set You on the Path to Financial Freedom
1. Ubah cara anda berfikir tentang duit
thinking of moneySecara umumnya, masyarakat ada yang sangat menyukai kemewahan dan ada yang sangat membenci kemewahan. Mereka membenci orang-orang yang memilikinya, tetapi menghabiskan keseluruhan hidup mereka cuba untuk mendapatkannya untuk diri mereka sendiri. Kerana majoriti orang tidak pernah mengumpul sejumlah sarang burung bertelur emas, oleh kerana itu mereka tidak memahami sifat wang atau bagaimana ia berfungsi.
Wang Tunai (cash), adalah seperti satu nyawa, sesuatu yang hidup. Apabila anda bangun pada awal pagi dan pergi ke tempat kerja, anda menjual produk - diri anda (atau lebih khusus, tenaga anda). Apabila anda mula sedar bahawa setiap pagi aset anda juga bangun dan mempunya potensi yang sama untuk bekerja seperti yang anda lakukan setiap hari, anda telah membuka kunci utama dalam hidup anda. Setiap ringgit yang anda simpan adalah seperti seorang pekerja. Sepanjang masa, matlamat anda (majikan) adalah untuk menjadikan pekerja anda bekerja lebih keras, dan akhirnya, mereka akan membuat wang yang secukupnya untuk mengupah lebih ramai pekerja (cash). dan apabila anda telah menjadi benar-benar berjaya, anda tidak perlu lagi untuk menjual tenaga sendiri, tetapi boleh hidup di atas hasil kerja kuat aset anda.
#2: Cuba memahami kuasa luar biasa sejumlah wang yang kecil
just RM 1Satu kesilapan besar yang kebanyakan orang buat adalah dengan berfikir mereka perlu memulakan sesuatu dengan melibatkan seluruh tentera Napoleon seperti seangkatan bala tentera. Mereka mengalami mentaliti "tidak cukup", iaitu bahawa jika mereka tidak membuat RM 1,000 atau RM 5,000 pelaburan pada satu-satu masa, mereka tidak akan menjadi kaya. Apa yang orang-orang ini tidak sedar adalah seangkatan tentera dibina dengan melatih seorang demi seorang askar pada satu-satu masa, begitu juga dengan senjata kewangan anda!!
Seorang rakan saya pernah mengenali seorang wanita yang bekerja sebagai pencuci pinggan mangkuk dan membuat dompetnya daripada kepingan botol-botol detergen yang digunakan. Wanita ini melabur dan menyelamatkan kesemuanya walaupun dalam keadaan sangat terpaksa walaupun sejumlah wang yang sangat kecil. Sekarang, portfolio beliau bernilai berjuta-juta dollar, semua yang telah dibina di atas pelaburan kecil. Saya tidak mencadangkan anda menjadi sejimat ini, tetapi pengajaran dari kisah ini sangat bernilai. Janganlah menghina hari yang permulaannya sangat kecil!
Seorang rakan saya pernah mengenali seorang wanita yang bekerja sebagai pencuci pinggan mangkuk dan membuat dompetnya daripada kepingan botol-botol detergen yang digunakan. Wanita ini melabur dan menyelamatkan kesemuanya walaupun dalam keadaan sangat terpaksa walaupun sejumlah wang yang sangat kecil. Sekarang, portfolio beliau bernilai berjuta-juta dollar, semua yang telah dibina di atas pelaburan kecil. Saya tidak mencadangkan anda menjadi sejimat ini, tetapi pengajaran dari kisah ini sangat bernilai. Janganlah menghina hari yang permulaannya sangat kecil!
#3: Dengan setiap sen yang anda simpan, sebenarnya anda membeli kebebasan untuk diri anda
freedomsambung in english pulak..hehee....tak sempat nak translate..
#4: You Are Responsible for Where You Are in Your Life
sleep on moneyYears ago, a friend told me she didn't want to invest in stocks because she "didn't want to wait ten years to be rich..." she would rather enjoy her money now. The folly with this school of thinking is that the odds are, you are going to be alive in ten years. The question is whether or not you will be better off when you arrive there. Where you are right now is the sum total of the decisions you have made in the past. Why not set the stage for your life in the future right now?
#5: Instead of Buying the Product... Buy the Stock!
Someone once asked me why they weren't wealthy. They always felt like they were putting money aside, yet never seemed to get any further ahead. The answer is simple. I told them to stop buying the products companies sell and start buying the company itself! A survey of America's affluent (those who make over $225,000 a year or own $3,000,000 in assets) revealed that 27-30% of all the income the wealthy earned went into investments and savings. That isn't a result of being rich, that is why they are rich. When the pain of getting out of the bondage of financial slavery is greater than the pain of changing your spending habits, you will become rich. Either change, or be content to live as you are.
#6: Study and Admire Success and Those Who Have Achieved It... Then Emulate It
owner facebookA very wise investor once said to pick the traits you admire and dislike the most about your heroes, then do everything in your power to develop the traits you like and reject the ones you don't. Mold yourself into who you want to become. You'll find that by investing in yourself first, money will begin to flow into your life. Success and wealth beget success and wealth. You have to purchase your way into that cycle, and you do so by building your army one soldier at a time and putting your money to work for you.
#7: Realize that More Money is Not the Answer
More money is not going to solve your problem. Money is a magnifying glass; it will accelerate and bring to light your true habits. If you are not capable of handling a job paying $18,000 a year, the worst possible thing that could happen to you is for you to earn six figures. It would destroy you. I have met too many people earning $100,000 a year who are living from paycheck to paycheck and don't understand why it is happening. The problem isn't the size of their checkbook, it is the way in which they were taught to use money.
#8: Unless Your Parents Were Wealthy, Don't Do What They Did
The definition of insanity is doing the same thing over and over again and expecting a different result. If your parents were not living the life you want to live then don't do what they did! You must break away from the mentality of past generations if you want to have a different lifestyle than they had.
To achieve the financial freedom and success that your family may or may not have had, you have to do two things. First, make a firm commitment to get out of debt. To find out which debts should be paid off before you invest and those that are acceptable, read Pay Off Your Debt or Invest?. Second, make saving and investing the highest financial priority in your life; one technique is to pay yourself first.
Purchasing equity is vital to your financial success as an individual whether you are in need of cash income or desire long-term appreciation in stock value. Nowhere else can your money do as much for you Nine Truths That Can Set You on the Path to Financial Freedom
#9: Don't Worry
The miracle of life is that it doesn't matter so much where you are, it matters where you are going. Once you have made the choice to take control back of your life by building up your net worth, don't give a second thought to the "what ifs". Every moment that goes by, you are growing closer and closer to your ultimate goal - control and freedom.
Every dollar that passes through your hands is a seed to your financial future. Rest assured, if you are diligent and responsible, financial prosperity is an inevitability. The day will come when you make your last payment on your Icar, your house, or whatever else it is you owe. Until then, enjoy the process.
when you use it to invest in a business that has wonderful long-term prospects.,...
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