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Blogs about how the poor became rich. Take care of your financial literacy

Hello, dear readers, you are greeted by the authors of the business magazine HiterBober.ru Alexander Berezhnov and Vitaly Tsyganok.

Everyone wants to know how to become rich, but only a few become truly successful. Wealth is available to few and few are able to rise from scratch, without money and a good inheritance. Good news is that absolutely every person can change their life! And this is exactly what this article will discuss.

In it 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.

From the article you will learn:

How do rich people think and what beliefs block the path to prosperity?
How to become a rich person from scratch and what path people have taken, such as Steve Jobs and George Soros to achieve financial freedom?
What books and videos should you definitely study to change your way of thinking and start earning a lot in the very near future?

The most important thing is to understand that wealth and poverty are by no means innate human qualities.

Content

How the rich think - basic psychology
Iron principles of wealth
How to become rich and successful from scratch - 7 steps to wealth and prosperity
- Step 2: Find a mentor
- Step 6: Start Investing
- Step 7: Be patient
Workable Wealth Blueprints - 5 Proven Ways to Find Financial Freedom
Real stories of people who became rich on their own
How to start getting rich right now - useful videos and books
Conclusion

1. How the rich think - basic psychology

Let's answer first 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 vacation abroad 2 times a year, but for others, even a million dollars a month will not be enough.

Let's continue.

Probably the most precise definition wealth was given by Robert Kiyosaki, an American millionaire and writer. In his opinion:

Wealth is the amount of time you can spend not working while maintaining a comfortable standard of living.

A rich person is a citizen who has the opportunity not to work for money, but owns assets and receives enough passive income from them for himself. That is, income that does not depend on his labor efforts. Such people are also called “rentiers” - this is 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 different quantities money, but life time is limited and it is not advisable to spend it on something that does not bring pleasure. Most people have a job they don’t like all the time, but it’s 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 are some people able to make money and others not?
Why do some people work from morning to night and receive pennies, while others manage not only to work, doing what they love, but also to actively relax?
Why do some manage to attract financial luck, while others live from paycheck to paycheck or even in debt?

These questions are of interest to every person, but to most they seem rhetorical.

However, psychology experts will say that there is practically no rhetoric in these issues.

Poverty and wealth are not so much a matter of luck as of an approach to life and a way of thinking.

This doesn't mean that changing your thoughts will instantly make you a millionaire, but it will definitely help you start taking the right steps in that direction. One desire “I want” is, of course, not enough. Even the laziest people want to get rich. It is important not only to want, but also to try to put your desires into practice.

And if the treasured million no longer seems unattainable for you, then read this article about how to earn it and become a millionaire.

As you can see, any wealth guide insists on a change in thinking. Think like rich people and you will definitely become one. But what does this mean in practice? Changing your way of thinking is not easy - it’s not enough just to change your thoughts, you also need to transform your own behavior.

However, there is a difference between the thinking of the rich and the poor. Let's try to express this difference clearly.

13 differences in the thinking of rich and poor people:

Rich and wealthy people are confident that they are the creators of their own destiny, while poor people believe that they were destined to be poor. Such people continue to go with the flow, without even trying to change anything.

Advice: stop going with the flow - it's time to get out of the river and onto the shore!
Rich people work to increase their income, poor people work to make ends meet.
Rich people dream less and do more, although positive and clearly defined goals are not at all alien to wealthy people.
Rich people are always open to new ideas and opportunities, while poor people are fixated on their problems and surrounding circumstances.

If you are not satisfied with the circumstances of your life, change them!
Rich people learn from successful people by adopting their behavior patterns and interacting with them. Poor people are more likely to associate with losers and even poorer people to increase their self-esteem. We have already written about how to increase self-esteem.
The wealthy and successful do not envy other people's successes, but try to extract useful experience from other people's achievements; the poor are outraged by the successes of others.
Rich people are confident and open about their successes.
The rich are not afraid of temporary difficulties, preferring to difficult situations do not panic, but solve the problem pragmatically.
The rich view their income as the result of their own labor, the poor count the number of hours spent on work.
The rich can quickly change tactics, strategy, even the general direction of their activities and their entire lives. The poor complain, but continue to follow a path that is often chosen not even by them, but by life circumstances.
Wealthy and successful people continue to learn throughout their lives, developing and improving, the poor believe that they are already smart enough, “they were just unlucky.”
Successful businessmen never stop once they reach a specific level - they continue to develop and improve, bringing their wildest plans and dreams to life.
Rich people think about money pragmatically and logically, not emotionally. The average person continues to have low level income, thinking about money and wealth at the emotional level, and 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 do not own a firm or company, they always occupy a position that allows them to act independently and make their own decisions, rather than implementing someone else's ideas.

What matters is not where you are, but where you are going!

Thinking that you are working for someone else is a big mistake. Be independent in everything, especially in your own finances. Don't let other people manage your time and money. The best way Getting paid on time means paying yourself.

However, if you are reading this article, it means that you are already taking the first steps towards achieving expressed and obvious material independence.

2. Iron principles of wealth

The main principles of wealth have many similarities with points regarding the characteristics of thinking. The basics of behavior for successful and rich people are not so much instructions as recommendations. Every wealthy person knows an individual recipe for success that will not always suit others, but almost all successful people intuitively or consciously use most life situations identical behavior patterns.

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

Where most lose lucky man with positive thinking and creative approach wins. The secrets of rich people lie, however, on the surface: the main thing is to use them correctly.

Habits of rich people

Pay attention to some habits common to most rich people:

Rich people always know what they will do today. Even if millionaires do not go to work, they use various services to plan their day, which helps to allocate time, and therefore finances, more efficiently.
Rich people rarely waste time on useless entertainment. They don’t watch TV, and if they read, it’s not fiction, but literature that helps them become even more developed, earn millions and become millionaires.
Wealthy people are able to devote themselves completely to work.
Successful people surround themselves with like-minded people - positive and successful businessmen, representatives of independent and creative professions.
The rich take care of their health and nutrition: they care about how they look and feel.
Wealthy citizens believe more in own strength than abstract luck: for this reason, rich people rarely play the lottery. If they do gambling, then 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 rich people do what they love.

Find something you love and you'll never have to work

Confucius

In this regard, the life of representatives of creative professions looks especially attractive: they do what they like and what others like.

But not everyone can become popular and successful actors, writers and artists. Nevertheless, if you have talents and abilities, under no circumstances ignore them, do not “bury them in the ground,” but continue to develop them, even if at first it does not bring much income.

Creativity can be demonstrated in almost all areas human activity.

The first rule for achieving success is to learn to love and appreciate your own work. If you perceive work as a necessary evil, and are used to spending weekends on the couch in front of the TV, then the path of wealth is not for you.

For results to appear, you need not only a creative, but also an active approach. At the same time, activities must also be done for a reason, but with a specific purpose. IN in this case our goal is to achieve prosperity, 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.

Generosity of 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.

3. How to become rich and successful from scratch - 7 steps to wealth and prosperity

Now let’s move on to practice and start getting rich from today. Carefully study the 7 steps that will help you achieve wealth not in the distant, vague future, but in the very near future. However, we warn you that this is not about next week: To become a truly financially independent person, you need to spend years.

Step 1. Decide to become rich and set a goal.

When you decide to become rich, you choose a different way of life and special way thinking.

From now on, you should not waste time: every step you take 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 behavior. Attracting money to yourself means becoming a professional in several areas of human activity at once, such as finance, marketing and interpersonal relationships.

Having decided to become a wealthy and successful person, you make a choice about 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. From now on, you will have to rely only on yourself and learn solely from your own mistakes. But your well-being will depend not on the whims of your superiors, but on your own skills.

Successful people think a lot and productively about their own goals. Thus, they participate in a 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, you will be more likely to achieve more in life than the average person.

Billionaire business and personal performance coach Brian Tracy conducted a study on what rich people think about and found out what they think about the following two things:

What they want (i.e. their goals);

How to achieve this (that is, what to do to realize these goals).

If you want to get rich, become a millionaire and live the life of your dreams, you should ask yourself these 2 questions as often as possible. After all, talking about specific plans is more pleasant than complaining about a low salary and debts.

Step 2: Find a mentor

The second step is to find a mentor. Going towards a 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 this 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. Acquire the Habits of Rich People

We have already written above about the habits and behavior of rich people. Now you need to start following these tips to the letter. You can simply write down recommendations point by point and try to implement them at every opportunity.

For example: stop watching entertainment programs on TV from today or playing video games. computer games. Start investing time in education, but not the kind that is given in schools and institutes. After all, it was precisely this type of education that led most people to work until retirement for “pennies.”

Here we're talking about It's more about self-education.

Read, watch videos and study such authors as Napoleon Hill, Brian Tracy, Robert Kiyosaki, Vladimir Dovgan, Alex Yanovsky, Bodo Schaefer, Anthony Robbins, Jim Rohn, Robin Sharma, Donald Trump.

At the same time, age does not play a role: today you can earn money and start your path to wealth without even leaving home (via the World Wide Web).

If you gain new knowledge and develop professional skills that are in demand in the modern “market”, then 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 create yourself. Start communicating with successful and financially independent people, change your social circle.

After all, we turn into those with whom we communicate.

Tell me who your friend is and I will tell you who you are.

Folk wisdom

Stop complaining about life and talking with friends about bad luck, crises of all ages and problems with loans.

Communicate more: the wider the circle of your acquaintances, the greater the chances of achieving financial and life well-being.

Of course, every rich person always has a bunch of poor relatives and acquaintances who urgently need help or “help out”: you need to be able to fight off such acquaintances now, otherwise in the future they will deprive you of your money.

Step 5: Become financially literate

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 create 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.

Attention!

If you spend more than you receive, you are on your way to bankruptcy. Starting the path of a successful businessman, mobilize your strength and get rid of debts - especially those that have high interest rates. You also need to borrow money for successful projects wisely: many beginning businessmen went bankrupt due to excessive craving for loans.

Every businessman has a budget: you also need to create a budget, but you need to do it wisely. Keep records of income and expenses.

A real budget is created based on spending statistics for a certain time period.

Step 6: Start Investing

If you don't have money, time is an excellent resource for your first investment.

Invest time in knowledge that will help you understand how to become rich. So, from scratch, after a while you will be able to earn more every year and eventually gain financial freedom.

Having earned initial capital, try to use 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" right now. Learn to spend according to your income today, but don’t forget to set yourself more promising financial goals.

The path to freedom is not an easy thing, which is why less than 3% of the world's population achieve the desired well-being.

4. Working wealth schemes - 5 proven ways to achieve financial freedom

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

Method 1: Create passive income

If you are unfamiliar with the concept of “passive income,” then it is too early for you to start an independent business. We give a definition: passive income is something that brings profit regardless of your daily participation in the project. Passive income – the most important part financial independence.

About this type of income, its sources with real examples, read our article “How to create passive income”.

Typical examples of passive income:

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

Passive income allows you to earn income regardless of your main activity - theoretically, you can continue to go to work and receive a salary. Agree, such income will never be superfluous, even if it is only a few thousand rubles.

Method 2. Open your own business

Open yours own business easier than it seems.

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

Method 3. Engage in mediation in large transactions

Becoming an intermediary in large financial transactions means receiving a certain percentage from each transaction performed, which, if there are solid 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 own profitable website

Creating a website is how everyone makes money more people of all ages. In this case, it is not even necessary to create an expensive website from scratch. For example, the site HeatherBober.ru, which you are currently on, brings in more than $3,000 in passive income and is for us, its creators, an online business.

Method 5. Start making money online

Working via the Internet is an activity in which thousands of people participate right at this moment. 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.

5. Real stories of people who became rich on their own

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

Steve Jobs is a man who became a pioneer of the era of IT technologies. 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 entered university, he was hungry, lived with friends and often ate at the temple, since there was not enough money. Having dropped out of school, Steve became interested in creating computers and then selling them, founding the legendary Apple company with his 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 by working in a haberdashery factory, then worked as a traveling salesman. But his passion for finance and banking took its toll and after some time Soros got a job at a bank and became actively involved in stock exchange activities.

So in one night on the stock exchange he managed to earn about 2 billion dollars. He achieved his current position in society and financial security solely through his own intelligence and determination.

Oprah Winfrey is a television presenter, actress and producer. She was born into a poor African-American family. Became the first black female billionaire in history. Forbes magazine several times named her the most powerful woman on the planet. Life's difficulties on the path to success in the field of mass media only strengthened the character of this strong woman.

Oprah Winfrey often hosts the most famous American programs and is rumored to be one of the personal consultants of the US President.

As you can see, even a woman can achieve stunning success. If you are a woman and you are not afraid of competition with men on the path to wealth and career, we recommend studying the article “Business for Women.”

6. How to start getting rich right now - useful videos and books

Video from Channel 1 “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”

The video instructions from Robert Kiyosaki “How to become rich in 60 minutes” include real advice and recommendations for getting rich from an American entrepreneur, investor and writer:

Books that will help you get rich

There is a lot of useful literature on the issues of achieving financial well-being. However, the most revealing and interesting in this matter are, in our opinion, the following books:

1) Robert Kiyosaki “Rich Dad Poor Dad”

R. Kiyosaki's books have sold around the world with a total circulation of 26 million copies. Book "Rich Dad Poor Dad" - present training manual for those who want to achieve wealth and financial success. The work will help everyone awaken the entrepreneur within themselves.

2) Napoleon Hill “Think and Grow Rich”

Think and Grow Rich is one of the best-selling books in the world. This text teaches not only entrepreneurship, but how to achieve success in any area of human activity, be it art, invention, teaching.

3) Bodo Schaefer “Mani, or the ABC of money.”

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

7. Conclusion

So, now you know that you can become rich not only by being born into a billionaire family. Anyone who puts enough effort into it and spends on making their dreams come true can achieve true financial well-being. a certain amount time.

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 hope 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!

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

“Peculiarities of thinking of the rich”

First you need to decide who you consider a rich person and what should be called wealth. Despite the primitiveness of these questions, the answers will be very different.

Someone considers wealth to be the presence of decent housing, a car, or the opportunity to spend a vacation at a foreign resort. For some, capital of several million dollars seems insufficient.

According to writer and millionaire Robert Kiyosaki, wealth is measured by the amount of time a person can maintain a comfortable lifestyle without working. Kiyosaki is an active proponent of the formation of assets from which one can receive passive income (interest on capital).

It turns out that wealth is measured not by money, but by TIME, since all people need different amounts of money, but life time is limited and it is not advisable to spend it on something that does not bring pleasure. Most people have a job they don’t like all the time, but it’s important to do what you love, because this is the only way to understand how to become rich and free from external circumstances.

Try to answer the questions:

Why do some people manage to get rich and others don’t?
Why is someone forced to work day and night, but cannot get rid of poverty, while someone easily earns comfortable life, has time for hobbies and active recreation?
Why does money come to some people on its own, while others don’t get out of debt?

In every great fortune there is only a portion of luck, and it is attracted by a certain way of thinking.

There is no guarantee that by changing the attitude towards wealth, a person will become a millionaire. But the right approach will be a starting point and will allow you to take steps in the right direction.

All manuals that offer information on methods for achieving financial success recommend starting with fundamental changes in the way you think. It's complicated. And launching a transformation on a practical level and changing behavioral stereotypes is even more difficult. But there is a difference between the perception of the world of the rich and the poor, and it is this that is primary.

13 main differences

Wealthy people are confident that they create their own destiny. The poor believe that their lives are shaped by circumstances and too rarely try to influence the course of events.
The rich work to increase their capital. The poor - to provide the necessary minimum.
Both rich and poor dream, but the former actively act to realize their plans.
The rich are open to bold ideas and look for opportunities in everything. The poor are fixated on failures and problems.
Rich people seek to meet more successful people and learn from them. The poor watch from the sidelines with envy and prefer to communicate with people from “their” circle.
The rich, if they envy the successes of others, do so with admiration; they look for opportunities to also use this experience. The poor persistently look for flaws in other people's success.
Rich people are extremely self-confident and love to brag about their successes.
The rich do not panic if difficulties overtake them, and take active measures to solve problems.
The rich believe that their income depends on effort and knowledge, the poor count the hours they work.
The rich easily change strategies, techniques, and even areas of activity. The poor see the hopelessness of the path, but continue to go with the flow. They are more comfortable complaining about the injustice of the world.
Successful people never stop learning new things and developing. The poor are lazy to learn and often think they know enough or talk about their inability to learn.
Successful businessmen, having achieved their goals, draw new guidelines and continue development.
Rich people rarely perceive money emotionally. They think rationally. Businessmen see them as a tool to make their dreams come true.

“The Main Principles of Wealth”

Every wealthy person has his own secret to success. But numerous studies have proven that all rich people intuitively choose typical behavior patterns. They do not rely on generally accepted opinions and very often use non-trivial techniques.

Where most see obstacles and losses, successful people find new opportunities and win.

Typical habits of the rich

They always know what they will do today. Even without working, they plan their day and clearly allocate time.
- Rarely indulge in idle entertainment. TV is used to receive news. If they read, then educational books.
- They have the ability to devote themselves to work and do what they love.
- Surround yourself with positive people creative people and successful businessmen.
- Monitor health and appearance.
- They trust themselves more and do not rely on blind chance.

The most important habit to acquire when starting your path to success is to value your work. No matter what you do, love what you do.

Creativity is important, but it can't be done without active actions and a clearly presented goal is also impossible.

Do not confuse frugality with stinginess and greed. Learn to give. Successful companies and rich people spend huge amounts of money on charity. Generosity is another one common feature millionaires.

“7 stages on the path from poverty to prosperity”

These tips will help you make a powerful leap in practice and achieve a dramatic improvement in your well-being in the foreseeable future.

1. Allow yourself to be rich and create a clear goal

Come up with and perform a beautiful ritual and allow yourself to become rich. This is extremely important point. You give up poverty and radically change your life.

From now on every step will be subordinated main goal. Don't think that you will turn into a soulless miser. On the contrary, your life will sparkle with new colors, courage and creativity will appear in it. You will begin to develop and improve in relationships with others, finance and marketing, because without these components it is impossible to achieve prosperity.

You will not have time to complain, look for excuses and reasons for failure. From now on, you rely only on your own strengths and learn from mistakes. Your well-being depends on only one person.

You will constantly look for opportunities to speed up your goal. In an incomprehensible way, she will definitely begin to move towards you, throwing up successful opportunities.

2. Find a teacher

Common mistakes can be avoided. Take advantage of the experience and knowledge of those who have already achieved success. You don’t have to become a shadow of one of the rich people or blindly copy recommendations. Look for any opportunity to expand your knowledge and meet those who have achieved success in a certain field. These people willingly share their secrets with young entrepreneurs. Any experience of communicating with rich people will be useful.

3. Develop the habits of rich people

We wrote about them above. Make a plan based on 13 points and follow it to the letter. Do not allow the habits of the poor to return, constantly control yourself.

Example. Stop wasting time on useless entertainment and replace it with self-development. Invest time in reading books in your field, studying self-development literature from the best business researchers and success coaches. Learn to communicate correctly, develop financial literacy.

It doesn't matter how old you are or where you live. Thanks to the Internet, everyone has access to knowledge. Ability to comprehend new information depends only on desire. Immediately put into practice everything you learn.

4. Drastically change your lifestyle and environment

Start communicating with those who are richer and more successful than you. Stop complaining and generally mentioning bad luck and problems. Expand your circle of acquaintances. It is very difficult to distance yourself from some especially close people. If they don't support you and pull you back, say goodbye without any regrets.

5. Financial literacy is everything

Study books on finance intensively. It will be difficult at first, but gradually you will understand all the terms and concepts. This is extremely important.

Create a personal financial plan. It will become a strategy for acquiring capital, but must be based on a full assessment of the current situation.

Contact a financial advisor for help. All millionaires have consultants who thoroughly understand financial sector and give good advice. Stick to your plan and don't allow yourself to spend impulsively. Every penny saved and invested will bring stable income in the future. Don't forget this.

Are you spending more than you earn? Either change the situation, or prepare for bankruptcy. Debts, especially with high percentages– evil. Loans for business development should be taken extremely carefully, after conducting a thorough analysis of the prospects.

Keep painstaking and as detailed records of expenses and income as possible. Compile and analyze statistics financial situation for different periods of time. Eliminate everything that brings unnecessary costs.

6. Invest

Even minimal savings should be invested. You can invest in your own projects or look for profitable options on the side. Consult trusted experts and learn everything you can about investing.

7. Stay calm

Don't rush and don't use dubious ways to get rich. Adventures will lead to collapse. Succumbing to the temptation to spend the first large profits, many people leave the race. Passion is appropriate in work, but money loves cold calculation.

“4 Proven Plans for Achieving Financial Freedom”

Create sources of passive income

Passive income is successfully invested capital that multiplies without your active participation:

Bank deposits;
investments;
dividends from the purchase of securities;
rental of real estate;
building a network in distribution activities;
referrals on Internet resources.

Several sources of passive income allow you to quit your job at any time and continue a comfortable life.

Create your own business

Large financial investments are not necessary for all types of activities. Many successful businesses were created with minimal capital or no money at all. It is more important to have a product or service that is in demand. Everyone has unique knowledge or skills. You too have some talent or a bold business idea. If it is impossible to find an investor, start with a minimum and gradually expand.

Become a mediator

If your talent is communication, offer mediation services. You do not invest or sell anything, but from each transaction you receive income in the amount of a certain percentage. Many people do not have time to search for services and goods and need the help of an intermediary during difficult negotiations. This is a very popular service where you can make a lot of money without investing anything. But in this matter, an impeccable reputation and the ability to fulfill promises are extremely important.

Create an online business

Your own website will definitely generate income if you invest time in it. It is not necessary to spend a lot of money on creation and promotion. There are a lot of educational materials. Offer popular topics or content that is close and interesting to you. With a little work, you will get your visitors and be able to earn passive income through advertising and other monetization methods.

There are many opportunities on the Internet to earn extra money. Even without having special knowledge or skills, you will be able to earn a certain income. By constantly improving or mastering new professions that are in demand online, you can significantly increase your profit and quit your job.

Products and services presented on the Internet receive a huge audience. The number of potential clients increases incredibly. It is very likely that the online store will bring significantly more profit than outlet in the city center.

Good afternoon In this article we will talk about how to become rich if you have been poor all your life.

For people born into wealth, wealth is theirs. natural state. For them, being poor is unusual and strange; it is difficult for them to imagine themselves poor. It's the same with those born into poverty. It is very difficult for the poor to imagine themselves being rich.

Please do not confuse your dreams of wealth with the actual feeling of your wealth. The dream of wealth and real wealth are completely different, incompatible concepts. And now the main question: how to become rich if you have been poor all your life?

There is a complete analogy here with how to become an artist if you cannot draw from birth.

While reading this article, please forget about Kiyosaki, the movie "The Secret", and the like. What I will say is very different from these tales for MLM sectarians.

I'm not saying that Kiyosaki is 100% delusional. I want to say that in addition to Kiyosaki’s opinion, there is a fundamentally different outlook on life, a completely different understanding of how to become rich. Unlike Kiyosaki, everything I’m going to say now is scientifically substantiated, and there is evidence that this system works in the conditions of Russia, Ukraine, Belarus, Kazakhstan and everything else. You yourself, the hard way, can easily check and make sure that everything said here corresponds to reality.

Richness and originality are interconnected things. Being like everyone else is a guarantee of poverty.

Why? Yes, because most people live in poverty. And if you are like the majority, then it is your nature to be poor. And even if you manage to miraculously get your hands on some easy money, it will be fleeting. People who win the lottery usually lose everything quickly.

All sorts of Kiyosakis say that in order to become rich, you need to think like a rich one. But cause and effect are clearly confused here. How can you think like a rich person if you are now poor? How can you think like huge dinosaur if you are a little ant?

To think like a rich person, you must first become rich, and you need to become consistently rich, not accidentally rich. People who win the lottery continue to think like poor people and quickly lose everything. So, pay attention! In order to become rich, you need to think like the poor striving for wealth.

The ability to control big money is as rare a talent as the ability to draw. The first thing to start with is to check whether you have such talent. A sign of talent is an incredible craving for a specific profession being studied. In our case, the profession is called financial engineering, plus the art of managing financial flows.

Even when at first everything is bad and nothing works out, at least sometimes there should be glimpses of talent. Very rarely, but something must work out. It's like with a barbell, where you develop the talent to lift weights. Yes, you cannot lift 200 kg from the start, but you have to start somewhere. Start with, for example, 10 kg. If you can’t lift 10 kg, try starting with lifting 3 kg. If you can't even lift one gram, how will you train with your starting position zero?

It's the same with money. Earn on your own at least one kopeck, then 10 rubles, then 1,000 rubles, and so, gradually, you will reach a billion. Moreover, if you stupidly work at work for a salary, this is not good, it does not develop you. You must become your own director and realize that all responsibility for how much you earn lies solely with you.

You must not only receive money, you must control the receipt of money. You should try to understand exactly where your money comes from and constantly think and do everything possible to increase your capital.

Please do not confuse it with financial flow, because a huge amount can pass through your hands. financial flow. What matters here is not how much money has passed through your hands, but how much money remains in your hands after all the financial maneuvers.

Bill Gates said it was cool to earn a million for one dollar. Yes, that's cool. But if your goal is to earn 100 billion, this scheme will not work. Even if the entire population of the Earth chips in one dollar each, you still won’t get 100 billion. So, the profit you get from one person-unit should also be as large as possible.

How to start earning money? Let me ask a simpler question: how to start lifting weights? You just need to pick it up and lift it, gradually increasing the weight. It's the same with money. You need to earn as much as you can right now.

And don’t be embarrassed by the fact that today you can earn only $8 a week, because the vast majority of people cannot earn even $1 a week through independent work. $8 a week is a good start for a novice financier. From such, one might say, minimalist positions, you can increase your earnings.

Let's get back to the weights. When you lift weights, it's natural for you to learn how to lift heavier weights as you train. So in the process of making money, you will come to an understanding of how to earn more.

How to lift a heavier weight, how to make money more money- no one will ever explain this to you.

You must feel the weight of the weight or the weight of money on yourself, in your own skin. Until you feel the weight of a mountain of money yourself, all sorts of lectures, briefings and seminars will be of little help to you.

I'm not saying you shouldn't listen to lectures. Of course it is necessary, but practical exercises– this is a must. On theory alone, it’s not that you won’t get far, but you won’t even get off the ground. But practice, even without listening to theoretical lectures, is quite effective. In this case, you will create your own theoretical base.

Another feature of any theory. Each of you is a unique person, so you must independently, I emphasize again, independently adapt the general theory to suit yourself. No one but you can create your personal adapted version for you. general theory“scraping money with an excavator.” An adapted version of the theory is created during independent reflection and during practical actions.

Another very important point. If there is a grain of talent, it must be developed. Moreover, if at the start things are going very poorly for you and with difficulty, then you are the owner of enormous talent. This is a sure sign of him.

A major talent greatly drains your energy resources into naturally maintaining yourself in autopilot mode, and you have very little energy left for conscious adaptation. Therefore, it is difficult for very talented people to develop their talent.

In general, if you are completely poor and it is very difficult for you to earn money, then your billionaire potential is enormous. As they say, last will be first.

What exactly should you do? I will repeat what is said many times on the Internet. Even if you are hired, you should perceive the situation as that you are the director of a company providing your own services. You are a director and an employee rolled into one.

But the most important thing is that in this way you give yourself the status of a director, and in practice you begin to learn to behave like a director. You develop as a director, as an independent social unit, and not as a simple dependent worker.

If you have the status of a director, you will no longer allow the plant director to talk down to you. Either he agrees to accept you in your status and speak to you as an equal, or you stop collaborating with such an arrogant director. The main thing here is status.

The Duke of Luxembourg has the same status as the leader of the nation, the same king as the British monarch, as well as the President of the United States of America. The status is the same, despite the huge difference in the size and power of the states.

It seems that the answer lies on the surface: people are either born rich or work long and hard to make a decent fortune. Of course, all this is partly true, but not every hard worker is capable of becoming a millionaire.

The fact is that a lot depends on a person’s thinking, on who he sees himself as - rich or poor. Let's figure out what the psychology of wealth is and what you should never do if you want to be in the same crowd as the Rockefellers.

In her interviews, Madonna compared herself to Cinderella. Her family was poor and she started her career in poverty. Photo: Globallookpress.com

What is the difference between rich and poor?

No, not the state of the bank account, although that too, but the main difference is in thinking. Rich (or potentially rich) and poor people have different attitudes not only to the world of money, but also to the world in general. You will be surprised to learn that some of your attitudes, so firmly ingrained in your head, do not allow you to find a new one. high paying job or invest in a profitable business and finally become what you dream of becoming.

1. Obstacles. Poor people tend to see obstacles in front of them and give up without even trying to overcome them. The rich, on the contrary, treat obstacles philosophically - if there are problems, then they can be solved. Purpose is what attracts a rich or potentially rich person.

2. Help. Poor people are looking for help and support everywhere. Moreover, not only financially, but also emotionally. They are accustomed to the role of the victim and do not even think about changing their role.

The rich try to help others. With a good deed, a word, money - they feel the power to make someone else happy.

3. Shopping. Shopping for a poor person is a real disaster. And not at all because after going to the store he will have to starve. No, sometimes “poor” people objectively do not need anything. Just buying new thing, they are not happy with the purchase, but are upset because they gave money to the seller. The rich, on the contrary, enjoy the buying process, look forward to putting on a new thing and moving mountains in it.

123RF/ dolgachov

4. Earnings. Poor people believe that money is hard to come by. The very idea of earning money reminds them of hard labor: you have to get up at 7 in the morning, come to work by 8, work where no one values you, and get pennies for it. A rich person sincerely believes that the money itself comes into his hands. And what’s surprising is that it is so. Either the friend will return the forgotten debt, or the salary will be increased.

5. Welfare. Poor people consider wealth to be something unattainable, fantastic, and the lot of a few. But the rich look at things realistically and understand that everyone can achieve financial well-being; there are no chosen ones in this matter, there are only those who believe in their success and persistently pursue their goal.

6. Goals. Poor people live from paycheck to paycheck, spending what they earn in a month. They don’t even think that with their modest income they can set big goals for themselves (for example, think about buying an apartment or a car), much less achieve them. The rich, on the contrary, will look for any opportunity to bring their plans to life, even if their salary is still far from what they want.

123RF/Viacheslav Iakobchuk

7. Speech. In the speech of a poor person, “I’m not worthy”, “I can’t do it”, “this is not for me”, “I can’t afford it” often slips through. A rich person does not push himself into limits. His self-esteem simply does not allow him to give up on himself.

Think like a rich man

In order to bring yourself closer to your cherished goal, you need to imagine that you have already achieved it. Just don’t think that we are talking about the first million or a villa in the Canaries, everyone has their own idea of wealth. For some, an indicator of well-being is new job with a decent salary, a trip abroad and a holiday in a three-star hotel will be enough for some, while others will be happy about buying a new gadget. Understand what exactly wealth represents for you here and now, and imagine that everything has already happened: a job has been found, a trip has been bought, a brand new gadget is in your pocket.

123RF/ Alena Ozerova

Introduced? Now return to the “now”, maintaining the mood successful person. How does he behave? Does he complain about life? Does he really think that “everything has been bought and he can’t get anywhere”? No, everything is much simpler for him.

You will say: “Okay, I imagined that I was rich, but in reality I am not. Why play these games? And just to make the game a reality. Everything is very simple: successful and rich people achieve even greater success and wealth because they do not waste their time complaining and worrying about their own inadequacy. They focus on achieving goals and eventually achieve them. So, maybe you should at least pretend to be rich in order to become rich later?

Note

An interesting fact is that two years ago, employees from the University of Wark conducted a study that showed that people whose childhood was happy earn much more than others. Moreover, almost all of them had parents who were not rich. More than 90 thousand children took part in the study. Many years later, experts analyzed the income level of adults and came to the conclusion that those who were happy in childhood are wealthier in life. financially. Scientists also noted that happy people work much more productively and advance in career ladder faster than their pessimistic colleagues.

Correct thinking gives these very skills. For some people, this is inherent from birth, while others need to learn and develop it in themselves. After all, at the moment of birth, everyone has the same physique and breathes the same air. It is only later, as you grow older, that you begin to think about whether a person is rich or poor and what he looks like.

There are many cases where children from very rich families had everything and were famous, and then they spent all their property on casinos or on drugs and alcohol. They sank and turned into homeless people, not knowing how to properly manage their money.

And at the same time, other children, from very poor families, who did not even go to school, since the family could not afford it, became rich. They read for free in libraries, talked to the people they worked for, and thought right. As a result, such a person turns from a poor person into a millionaire, having previously had no chance, according to society.

It would be logical if it were the other way around. All this can be explained very simply. All people, because of, are divided into two categories: the poor and the rich. This is not calculated by the amount of money, but by thinking, which in the future will lead to certain results. The way a person thinks today is how he will live tomorrow. Because thoughts attract into life what people think about.

Below, you can familiarize yourself with ten habits of poor people that are best to get rid of as soon as possible. This will lead to nothing but poverty. All of them are characteristic only of those who have a poor peasant's mindset. They are the ones who do not allow a person to get rich, no matter how much effort he makes.

1. A constant feeling of self-pity.

Surely, everyone will remember at least one person they have met in life who complains about everything. He constantly talks about how unlucky he is in life. He was not born there, and his appearance is not what it should be, he is not the right height, the country is not suitable, and so on. Some women work in the lowest paid jobs and wish they were born male.

And men, on the contrary, working in bad positions, blame fate for not being born women, because women have it easier in everything in life. And someone else thinks that his height is too short for him to find himself good job and the one who will love him. These are just a couple of examples for clarity.

The worst thing that all of them do not have the opportunity to take care of themselves or search for a better position, place of residence, profession. All of them free time and energy is wasted on feeling sorry for yourself and telling everyone about your failures. The people around them listen carefully to these pitiful stories and it is in their heads that this person is a complete loser and they need to treat him accordingly.

And those people who think richly are sure to receive recognition. No one bothers them social factors or features of their appearance. Rich people accept themselves with all their flaws. And the most enterprising people turn their disadvantages into advantages, which only add to their popularity.

2. Greed and stinginess.

Everyone knows the Disney character Scrooge McDuck, obsessed with his capital. So, these people are similar to him in many ways. They make all their purchases only at sales.

And only those products that have at least a minimal discount are purchased. This is not done to save money or because of shortages. cash in the wallet. It's just a poor man's habit—his thinking. Such a person is looking for somewhere to grab something cheaper and will never refuse to get something for free, even if he doesn’t really need it.

But, if he needs to sell something of his own, then the item will be valued at the maximum and bargaining is unlikely to be appropriate. On leadership positions Typically, such Mac Ducks behave in such a way that they demand that their subordinates fulfill the plan to the fullest 200 percent, but pay for labor at the minimum rate.

Anyone who has the mentality of a rich man does not try to get everything cheap. He is objective in assessing something. Such a person is ready to pay the real cost of things. But he will also expect the same attitude towards himself from those around him. And he saves not on quality, but due to the fact that he can refuse unnecessary purchases.

3. Engaging in activities that cause nausea.

Day in and day out, most people force themselves to do things they hate doing. For example, a woman constantly comes home from work tired and begins to wash the dishes for the whole family. She hates to do this, but who else will do it besides her. Or, the head of the enterprise himself makes all the necessary reports, because he is too lazy to teach all this to his new deputy. Or a guy goes to work six days a week and hates what he does, but they pay above average wages.

All these people from different worlds, but they are similar to each other in their thinking. They all continue to do what they hate, but don't even try to change anything. Continuing to once again do their job, they grumble about life, about those around them, about the goat boss and the president. But never on yourself.

Rich people never do anything they don't want to do. They understand that it will not bring them any joy, which means it is not necessary. You need to do only what is pleasant and interesting. To achieve financial reward for your work, you need to do more than just do what you get paid for. And you also have to do what you like, even if it’s not very profitable. Then it will make sense.

4. Money cult.

Absolutely all insolvent people agree that all their misfortunes are due to lack of money. Most of them can even name the exact amount that would make them happy. Almost every poor person thinks that if he had an account in the world's best bank and could live on interest that would allow him to eat in a restaurant and dress in boutiques, then happiness would come.

In reality, money cannot give happiness; it has never made anyone happy. All wealthy people measure happiness in other units, not in money.. There are things that cannot be bought or sold. This is the most valuable thing in the world.

5. Living beyond your means.

Bank loans and credit cards have become a real discovery for those who like to spend more than they earn. Employees of credit departments are specially trained to always smile and meet the client. They will never criticize, for example, a student’s desire to take out a loan for a car. And it’s okay that there is only one glass there that costs as much as his annual stipend. After all, he works as a promoter in his spare time from studying.

Cards are a good trick for those who are afraid of loans and large sums. The limit is not large, but it is quite enough for new shoes, cosmetics or a branded spinning rod. This often attracts people with a poor mindset and they buy themselves things for which they will then have to pay for at least the next couple of months.

Under no circumstances do they take out money on credit to purchase household items or clothing. They always spend only the amount they can afford. But never more than they earn. Rich people sometimes use loans, but only if they open a new profitable business. Which will very soon make a profit, and the loan will be repaid ahead of schedule. And then there will be net income.

6. Search for benefits here and now.

All poor-minded people always want to get everything at once, without waiting. When looking for a job, they choose the vacancy where the first month's pay is highest, even if there is no prospect for the future. Slightly lower pay in a decent company, with an increase in salary after a couple of months, after an internship, is not suitable. In the case of investing free money, a poor person would rather bury his money under a tree than entrust it to someone in order to receive five times more in a year.

They look ahead, looking for the maximum benefit for themselves in the future. They are ready to work now in a lower position, but with the opportunity to develop and move to a better position later. And they boldly invest their savings in order to get more of them later. Because money brings money.

7. Constant whining.

You can often hear acquaintances gathered somewhere together exchanging complaints about life. While one says that the president is a bandit, officials are corrupt, and businessmen are thieves and bandits, everyone else agrees with him and nods. It turns out that everything is bad everywhere and everyone around is bad, but here they are, so honest and offended, gathered here and whining.

At the same time, other people who are doomed are busy with themselves. They simply have no time to whine and complain. They improve themselves, learn new things and look for opportunities to realize their potential. And this is in the same country, with the same president and with the same dollar exchange rate.

8. Eternally comparing yourself to others.

The boy considers himself better than others because he has the coolest phone in the class and the most fashion sneakers. And he doesn't care what kind of person he really is. And the girl considers herself worse than others, because she wrote the math test worse than everyone else, she doesn’t even think that she copes with language and literature better than everyone else.

And another girl constantly worries that she is worse than the rest, because she is the fattest in the class. She is sure that no one will ever fall in love with her because of this. They all do a great job of comparing themselves and everyone around them. Therefore, they have no time to look at the situation realistically and they begin to label themselves.

If people, instead of considering themselves failures, took care of themselves, they would achieve a lot. People with a rich mindset always take care of themselves, both physically and mentally. And they compare themselves only with themselves yesterday. If today's self is better than yesterday's, great.

9. Understanding the concepts of “wealth” and “money”.

As already described in paragraph 4, rich people never make a cult out of money. They know how to separate two concepts such as “wealth” and “money”, since these are two completely different words in meaning. They are so different that they cannot be compared with each other. Money is pieces of paper that circulate in a country or the world. Wealth is nothing more than the ability to attract finances into your life and constantly increase their amount. This skill cannot be measured in numbers or denominations of banknotes.

Capable of making money from everything. He will find opportunities and ways to get wealth from things that at first glance do not attract attention. And in the event of losing all his savings, a person with such a mindset will become rich again after some time. He just doesn't know how to do it any other way.

10. No desire to maintain contact with family and relatives.

Isolating oneself from all relatives and friends is the last but very important habit that makes a person poor. The family cannot always understand everything and is not always ready to support in some way. But this does not mean at all that you no longer need to communicate with any of them. Material assets they are temporary - they come and go. What will happen to the one who loses everything? He will have nothing left except his family.

Therefore, there is no need to break the connecting thread. After all, it’s good to have somewhere and someone to come to in case of victory or defeat. They will support you there, even if they cannot fully understand and help you financially.