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Conversations on the topic “how to become rich” is a hot topic of discussion in society. This is truly a vast and sensitive question, on which you could write a whole book and still not tell everything. In this article we will highlight the main points and answer the following questions:

• How successful people came to their wealth
• Where to start on your journey to millions
• Why can't you become rich?

For those who are just beginning to face such issues, some points will cause disagreement. All of the tips listed below work together. I advise you to start by at least thinking about the material you read.

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

Many books have been written about money and wealth. There is no point in reading them all, since almost all of them have the same ideas, which are simply told in different words. I have read a lot of similar literature in my life and I can say with confidence that most of these tips really work.

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

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

The main question that you should get an answer to in this chapter is: “how can a poor person become rich.” The path to wealth lies in changing your worldview and routine. Let's look at the most basic concepts for achieving wealth.

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

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

What the rich do that the poor don't:

• Engage in reading and self-development (read one book a week)
• Have a proper daily routine (go to bed and get up at the same time)
• Exercise and eat right
• Do not drink alcohol (or in minimal doses)
• Learn new things (always on top of the current situation and trends)
• They don’t watch TV, don’t sit on social networks, and especially don’t play computer games.

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

Wealth does not mean drinking beer with pizza and watching TV. This lifestyle will kill any person in a couple of years.

If you give a poor person a million dollars, then most likely he will “squander” it quite quickly on useless purchases. The issue here is poor financial literacy.

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

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

This is one of the most important rules of wealth:

Money makes more money, so the rich get richer

For the poor, money flows away only to passive purchases. “Passive” means that they buy exclusively what needs to be maintained in the future and only spend money (yachts, expensive palaces, cars).

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

Read more about the concepts of assets and liabilities:

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

If you continually invest a portion of your income in assets, over time that money will turn into millions. Any of us can have $1 million in our account in 10 years if we start saving at least 10% of our income right now. With this money you need to buy financial assets such as stocks, bonds, cryptocurrency.

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

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

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

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

1. Save
2. Put it off
3. Invest (read: what to invest money in, investing in securities)
4. Look for new sources of income

You must be the best at whatever you do. Moreover, you can start being the best right now at your current job.

You have to work harder than others and do your job perfectly. Stay longer at work to have time to complete all tasks to completion and with high quality. Such an impulse will not go unnoticed. Soon you will be promoted and paid more.

Many will argue that “this approach doesn’t work for their job.” However, few people are able to communicate their ambitions to their immediate superior. If he doesn’t offer anything in return for your hard work, then this is a reason to look for another job where your desire will be noticed and properly rewarded. Not all employers stick to their key employees. Therefore, you should not worry too much about such businessmen. They will never be able to develop due to the wrong attitude towards their employees.

However, in a regular job it is unlikely that you will be able to earn as much money as you would like. And there is a lot of important reason for this: you initially work for another person (the owner of the company). Therefore, always strive for leadership positions, or open your own business (for example, as a franchise).

Don't sell your time cheap!

Time is the only resource that we manage solely at our own discretion. The amount of time given to us from above is the same for both rich and poor. Use it wisely, with maximum benefit.

Don’t forget to regularly set aside part of your earnings for trading on the stock exchange and other investments. This is the path to financial independence.

There is a famous phrase from Rockefeller

Whoever works constantly has no time to earn money

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

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

Most problems can be solved (you’ll agree), but because of our laziness of the brain, we try in every possible way to simplify everything so as not to stress ourselves out again. In the process of evolution, nature made sure that a person does not strain his brain too much, since he “eats” a lot of energy. Most of us are not "Einsteins". That is why we are so lazy by nature and always look and will always look for only easy ways.

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

Don't run away from problems. Solve them!

Risks can arise in many areas of each of our lives. For example:

• Investments (we invest our money to get more in the end, but no one guarantees success)
• Change of type of activity. Many are afraid to take risks - what if it gets worse, etc. This uncertainty is holding you back. You only have one life, so you need to act now.

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

Take risks or your dreams will remain dreams

Note

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

Look for new sources of income. A thinking person will always find ways, but a whiner will always have excuses.

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

Also one more rule:

The rich calculate how much their work costs per hour. The poor rely only on their monthly salary.

1.11. Develop throughout your life

Development should occur in all areas of activity: sports, education, communication, acquisition of new skills. Successful people constantly develop and never stop.

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

1.12. Set big goals

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

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

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

1.13. Find a financial mentor

Finding a financial mentor is not easy. How and where should you look for it? Everyone has their own situations in life. Perhaps you are surrounded only by “rich people”, or maybe vice versa.

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

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

1.14. Work for yourself

Working for someone else's uncle will never become rich.

You say: “What should I do if I don’t have start-up capital and what field of activity should I go into?” There is no universal answer for each of us. For example, if you are a programmer, designer, lawyer, you can find a job as a freelancer on the Internet and work for yourself. If you are a far-sighted person, you will immediately understand how you can expand your activities and already hire people to work for you.

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

Maybe you know how to do something with your hands? Great, start making it and selling it. On the Internet, interesting things sell out quickly. Even banal things like cake making, decorators, hairstyles, makeup artists - all this is in demand!

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

1.15. Improve your communication skills

This tip follows on from the previous recommendation. Successful people often have to communicate. Your ultimate success depends on how effectively you can find a common language with different categories of people, both by age and status. Statistically, sociable people achieve much more in life: they have many connections and clients. That's why:

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

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

1.16. Surround yourself with goal-oriented and successful individuals

Our environment greatly influences us. Therefore, to achieve more, we must be surrounded by only the best at what we do.

Whiners and critics never succeed. Simply because they don't want it. It is most profitable for them to simply condemn everyone. They crush all interesting ideas to smithereens. They love to discuss other people, other people's opinions, and especially politics. Shifting the blame onto other people for being the cause of their poverty.

2. Psychology of wealth - how the most successful people think

For some reason, many of us understand the concept of “wealth” to mean exclusively a lot of money. Is it so? In fact, wealth is something big. There are many definitions for this concept. I would rather call it personal improvement in all aspects, success in everything. A lot of money will not solve all problems. At a minimum, happiness requires: family, health, friends, a favorite activity, new experiences, but many people forget about this.

Wealth is a means, not the goal of life. Henry Ward Beecher

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

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

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

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

Rich people don't spend money just like that. They are very selective in their choice, because they know the value of every ruble/dollar mined and will never waste it.

Money only gives opportunities to each of us. However, if a person is uneducated, overly emotional, and cannot control himself, then suddenly a lot of money appears in his possession can completely kill him.

Money won't make you happy. Happiness requires other fundamental principles that each of us can develop, free of charge and quite quickly.

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

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

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

Therefore, you need to gradually go towards it, prepare yourself psychologically that you should have it. Imagine that you are the owner of things that you currently could not afford. I know that this sounds like nonsense to those who are just starting to get acquainted with this topic, but it really works. The brain needs to be deceived in the first stages, and then it will look for solutions on its own in order to achieve goals.

Set your mindset that "being rich is good." During childhood, parents often teach children that wealth is evil. They give examples of “evil rich people”, that they are all deceivers, thieves. However, this is just a stereotype.

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

As we grow up, we can rid our subconscious of this concept. Do it now.

Most wealthy people are the elite of society for a reason. They are healthy, smart, athletic. They don't drink and don't go to bars and clubs at night. Their circle of surroundings is the intelligent and business world. They are good people in many ways.

Note

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

Having a lot of money is certainly good, but it is not the final goal. Imagine that you have so much money that you can afford anything. What will you be doing? Are you going on vacation? Buy a new car? An apartment? What next?

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

No one argues that each of us needs funds, but only in such quantities that you feel comfortable doing things that are really important to you.

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

Those people who do not believe in themselves never achieve success. Attract success and luck to yourself.

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

If something didn’t work out for you at work, in business, in investments, then you shouldn’t look for those to blame. Even if someone is really to blame, it doesn’t matter anymore. History cannot be changed. The main thing is how you react to this and what conclusions you draw.

Blaming and making excuses wastes too much energy. We all love to be pitied, sympathized, and supported. However, this approach will lead to eternal dissatisfaction with your situation. Winners never complain, but draw conclusions and move on. No matter how many times they stumble and fall, they will still rise and achieve results.

This is a psychological moment that you need to develop within yourself. To do this, read more biographies of successful people and listen to motivational speeches.

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

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

3. Books about the path to wealth

There are several best-selling books on the topic of wealth. All these books have become legends, so I recommend reading them.

1. Robert Kiyosaki's book "Rich Dad Poor Dad"
2. Napoleon Hill's book "Think and Grow Rich"
3. Carl Richards "The Psychology of Investments"

Related posts:

How changing his attitude towards money helped him achieve financial stability. He grew up in a poor family, often not knowing whether they would be able to pay the rent or whether they would be left on the street at the end of the month. He had to watch relatives and friends quarrel over money.

He now owns his own business and no longer lives paycheck to paycheck. He didn't become a millionaire, but he reached the point where he doesn't have to think about finances all the time. Kim shared the advice he would give to himself at 18. Perhaps it will be useful to you too.

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

1. If you convince yourself that you need something, don’t buy it.

One of the biggest financial mistakes is buying things you don't need. We often do this: we buy new clothes, a phone or a computer, just to keep up with others and feel fashionable. But most of these things are for us.

When something is really needed, you know it right away. If you have to convince yourself before buying, don't buy this thing.

2. Don't buy the first models

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

3. Don’t skimp on what makes you happy.

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

Just remember that pleasure from things passes faster than from impressions.

Within two weeks we get used to new things and stop noticing them. The impressions last much longer. They can be relived mentally. Plus, they help us grow and develop new skills.

4. Earn more and spend less

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

Think about how you could earn more: take on additional responsibilities at your current job, find a part-time job, do... Then think about how to spend less. For example, cook at home and go to cafes less often. Spend less on clothes. Sell ​​your car and use public transport. Don't chase fashion trends. Use the remaining funds to pay off debts or save for something.

5. Never go into debt

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

Therefore, never take on debt. If you are thinking about opening your own business or creating some kind of project, but for this you need to go into debt, put this idea aside. Start only when you can pay all the expenses yourself. This way you take less risk. And the lack of funds forces us to look for a creative approach to problems.

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

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

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

We feel like we are lacking something when we compare ourselves to people around us. Instead, compare yourself to those who are poorer. Then your current lifestyle will seem sufficient to you.

7. Look not for perfect, but for good enough.

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

Try not using the phrase “best” for a month. See how your shopping habits change and how much money you save.

8. Don't buy too many things from the same category.

Life is much easier if you have one phone, one computer, one pair of casual shoes. In clothing, you can limit yourself to one type of trousers, shirts, socks. You'll make fewer decisions, worry less, and spend less money.

Look at your things and think, what 10% of them do you use 90% of the time? Try. Sell, donate, or throw away excess items. You will feel relieved and will be able to devote more attention and energy to important things.

9. When choosing a product, be guided by a lower price

The brain clings to the first price you saw. Then you choose the product in comparison to this price. If at first you were offered a camera for 50 thousand, and then for 30, the second one will seem like a good buy to you. Although, perhaps, you would be satisfied with a camera for 15 thousand.

To spend less, look at lower-priced items first. The others will seem more expensive in comparison. As a result, you will settle on an acceptable option and not spend too much.

10. Change your environment to consume less

Our environment influences how much we consume. When everyone around you frequently changes gadgets and cars, buys new clothes and dine out, it will be difficult for you to resist. If you want to spend less and live more modestly, try changing your environment. Naturally, it is not always possible to move to another area or city. But you can change your lifestyle. Go to shopping centers less often and avoid anything that makes you want to buy something.

11. Avoid advertising

We don't even notice how advertising changes our idea of ​​a product, making us want it. Avoid it at all costs. Don't watch TV, don't read magazines, turn on an ad blocker in your browser. Unsubscribe from mailings. Buy paid versions of applications to disable advertising.

12. Remember: the more money, the more problems.

Money is desirable up to a certain point. When they have enough to pay for housing, save some money and not worry, more income will no longer make you happier. As income increases, so does stress. You have to worry about the tax authorities, about bad investments, about greedy relatives who ask for money and are secretly waiting for your death.

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

13. Invest in your development

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

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

If you get at least one new idea from the book that inspires you, then you've got your money's worth.

14. Ensure your own financial stability before helping others.

If you have difficulty with money, do not lend it to anyone - even a family member. You will worsen your situation and, in addition, ruin your relationship.

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

15. Don't invest in stocks

You won't get rich with them. Professional traders often act at random. But it's not only that. Even if the value of your shares increases by 30%, the profit from this will not compare with the benefit from. Having acquired new skills, after a while you will earn more.

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

16. Don't take unnecessary risks

It is believed that entrepreneurs like to take risks just for the sake of taking risks, but this is not true. Good businessmen carefully consider their actions and avoid situations in which they could lose all their capital.

If you're looking to start a business or invest in anything, don't forget that you can always fail. Prepare for this and make sure you don't lose all your funds.

17. Strive not for wealth, but for not going broke.

If you are a business owner, focus not on how to increase profits, but on how to avoid going bankrupt. If you are an employee of a company, think about how to remain relevant. For example, you can acquire new skills or expand your responsibilities.

18. Mentally exaggerate your expenses and underestimate your income.

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

19. Don't buy the most expensive things

A thing that costs 1,000 rubles will not make you ten times happier than a thing that costs 100. It seems that expensive goods bring more happiness, but it does not depend on the amount of money spent. There is a certain amount after which the pleasure from shopping no longer grows. It is different for everyone. Find this middle ground for yourself and don’t spend more.

Don't forget that pleasures also become boring. Especially the joys associated with food, sex, travel and shopping. Over time, they cease to create strong sensations, no matter how much you pay for them. Therefore, spending more and more money on things simply does not make sense.

20. “Think like a rich man, dress like a poor man.”

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

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

21. Live more modestly than your income allows

We get used to new things after two weeks. No matter how expensive they are, they no longer make us happy, because they become ordinary. Try to also get used to a more modest lifestyle.

Buy a cheaper item, even if you have enough for an expensive one. Buy - inexpensive ones are equivalent to original medicines. In a cafe, choose the cheapest coffee or the simplest dish. Over time, this will become a habit.

22. Don't get hung up on brands

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

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

23. Don't give all your money to investments

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

24. Don’t buy anything that you can’t pay for without loans.

We are too optimistic about our capabilities. We think we can pay it off quickly. But debts accumulate like a snowball. The more of them, the more firmly you fall into slavery to the banking system. If you still want to use a credit card to receive bonuses, buy only what you could pay for without loans.

25. Don’t sell yourself short when you charge for your services.

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

Of course, when you're just starting out, you can't ask for too much. To gain experience, work for free for a while. But then charge higher than average fees for services. If you settle for average pay, you will always have to somehow make ends meet.

26. In your free time, work on what you love.

Many people want to quit their office jobs and do what they love: becoming a photographer, traveler or writer. Don't do this unless you are financially stable. Live on income from your main job and study in your free time.

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

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

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

28. Imagine how you will feel about the purchase in 5–10 years

Look at things realistically. Any purchase will lose its presentable appearance in 5–10 years. This is especially true for cars. It’s better not to chase fashion, but to count on the long term.

29. Don’t forget that money itself has no value.

In essence, money is just paper. Even precious metals are nothing special - they're just shiny stones. Think about why they are important to you. Perhaps they give you a sense of stability or symbolize success. Define what money means to you. For example, strength, absence of pain, the ability to do what you want.

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

30. Don't become a slave to money

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

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

Reading time: 3 min

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

A person’s psychological attitude towards money, the presence of certain attitudes and even generic programs have a significant impact on the level of the condition. The attitude can be completely different, but still lead to pathological conditions. So those who attach too much importance to money, consider it the only important category in the world, create an excessive amount of attention in one area, without noticing the rest.

Others may despise big money (those who have been taught that it is life-threatening or vicious), or fear it (due to grandmothers' stories about how the latter was taken away, and for large savings they could be sent to hard labor). In either scenario, money is given excessive importance, while other areas fade away. The problem is that wealth is only energy and the equivalent of freedom; it is necessary in order to realize other aspects of life that are missing when there is excessive attention to the topic of money.

To understand how the poor can become rich, you need to learn to balance your own needs and expectations with reality. So many people do not make attempts and actions in the direction of making small profits or simply earning additional income for a constant fee, expecting exceptionally large offers or looking for ways to get rich immediately. Psychological readiness to receive large sums is necessary, because otherwise a person does not have the skills to hold onto them, and large sums that fell suddenly were spent in vain.

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

Many exclude the principle of saving, guided by the advice of the rich about the need to buy expensive products and please themselves. Expensive products should be so not because of their VIP status, but because of their quality, and then this is a saving (for example, boots that are half the price will last eight years less). The question of pleasing oneself, especially for successes, is often understood as material rewards, but when working on the topic of increasing one’s own level of wealth, it is important to find rewards from the non-material sphere in order to expand one’s life platform. This could very well be a walk or helping at a shelter, reading a book or taking a nap at lunchtime.

Becoming rich and successful from scratch is the dream of many, so people read biographies, interviews and advice from those who are an example for them either financially or as a successful person. It is always worth assessing the initial level and development conditions. Everyone remembers that Bill Gates dropped out of college and went to earn money differently; he dropped out of an extremely prestigious institution, having previously proven his extraordinary abilities during the selection process. Accordingly, if you are in a place where there is only one educational institution - it would be stupid to leave it, you should, on the contrary, sign up for many additional courses and increase your level of knowledge tirelessly.

Instructions

Any path aimed at a specific goal can be broken down into components, and since many people have already achieved wealth, there are certain universal instructions for how to become rich from scratch. It is quite conventional and involves creative processing, but it contains fundamental principles on how to become rich. Before you start moving, you should determine your own wealth parameters.

There are approaches to a personal understanding of this state, and everyone can choose the appropriate one or synthesize their own, starting from those proposed. Wealth can be a static category and represent a certain amount, the presence of which is freely available to a person.

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

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

After defining the concept and goals, it is necessary to draw up daily plans for achievement. This could be a personal success diary, where the goals set and achieved are entered, as well as a program for changing one’s personality and reorganizing the financial sphere. Ideas for change can be taken by analyzing the lives and activities of richer people, listening to the advice of economists regarding market prospects.

All your professional changes must be correlated not only with upcoming trends, but also with uniqueness in mind - remember that people give money for something new, individual.

Regarding your own personality, how to become rich, it is necessary to develop a plan for developing habits of wealth and saving - this is a difficult process that requires personal correction. Any such changes take a long time, so don’t rush to reap the benefits, but do a thorough analysis of which strategies are profitable, which habits are easier to form, and which are dragging you to the bottom.

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

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

How to become rich? Control your own spending and minimize unnecessary spending. Excess food, which is subsequently thrown into the trash or on your own, bad habits, which constitute a large expense item and increase the cost of medicine, eating in restaurants instead of cooking yourself. All these points at the end of the month can make a fairly noticeable difference in the budget.

Give up loans and borrowings and start investing of any kind. This could be shares, real estate, your own business or education. Any investment of money that works for you is the basis of wealth in the future, since it creates a platform for independent income - in some cases this is additional opportunities or insurance, in others it can already become an independent main source in which direct work can be done for pleasure or only in selected areas projects.

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

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

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

If you make common mistakes or choose the wrong strategy, your own mentor can help. Regarding your psychological blocks, you should work with a psychologist; a coach will help you create an effective strategy and motivation along this path. It is better to discuss the formation of a new economy with economists, and consult with accountants about budget calculations. You cannot be good in all areas at once, this ability to ask for help and surround yourself with specialists will help you move quickly, making a minimum number of mistakes.

Change your environment not only professionally, but also personally. Examples of wealth from books and screens are good, but having real friends with a high level of income can change the way you perceive yourself and your entire approach to earning money. Especially if these people sympathize with you, then you can get a lot (no, they won’t shower you with gold and won’t even give you loans) - advice, pointing out mistakes, inspiration and criticism.

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

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

Remember that the money you earn is needed for further development, and not to ensure a luxurious life for a couple of years. This means that with your first million you are not buying an airplane, but a small business. You don’t celebrate your first successful deal with a party and a car or investing in stocks. Even if you save a few hundred a month, spend it not on red lipstick, but on paying off debt or installing a meter to increase savings in the future.

How the rich think

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

Some begin to condemn this approach without getting to the deeper point that the only way to truly help others is to be okay. By giving your last money, you doom yourself to hunger and do not greatly improve the life of the person to whom you gave a penny, but if you save this money several times, then in the end you can invest it in going to a conference that will develop you as a professional and then you can organize a shelter for the homeless. But this is possible only on the condition that everything is more than fine with you.

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

All rich people think in terms of action, rather than waiting and hoping for chance, although they rejoice at this confluence of events. At the same time, people who achieve success are accustomed to spending their actions on very specific things that bring benefits. They are deprived of stereotypes that education will somehow help them in life, so they often do not have university degrees. But they invest their money in paid, highly specialized courses, where they actually acquire specific skills that are unique and useful. This goes against the concept of a poor person wasting time getting unnecessary and formal certifications or doing meaningless work that does nothing to advance him as a professional.

The rich have always had an emotional attitude towards money. So, if poor people dream of money, imagining their material dreams fulfilled, immersed in fantasizing the desired benefits, then successful people look at money solely as a tool. There is practically no emotion, just dry logic and how best to use the available tool (you don’t think about the red hammer when nailing a picture, you think about the composition of the entire room and where it is best to place a masterpiece of art).

The absence of such an obsession with material things is also manifested in other areas; rich people are always busy with their hobbies, and develop them at a fairly high, if not professional, level of development. When receiving a new level of income, the first thing a successful person will think about is options for profitable investments or redistribution of assets to create a new direction.

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

Speaker of the Medical and Psychological Center "PsychoMed"

It seems that the answer lies on the surface: rich people are either born, or they 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 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 a new thing, they are not happy about 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 ​​making 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 a new job with a decent salary, for some, a trip abroad and a holiday in a three-star hotel is enough, and for others, they will be delighted with the purchase of 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 of a successful person. How does he behave? Does he complain about life? Does he 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?

On a 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 more financially wealthy. Scientists also noted that happy people work much more productively and move up the career ladder faster than their pessimistic colleagues.

There are not many middle class people who actually understand the thinking and psychology of rich people. We tend to think that wealth is a lucky coincidence, that wealthy people do not play by the rules, that they are evil and selfish. But there is hardly anything else, other than the emotions themselves, behind this statement. In reality, wealthy people think and act completely differently.

5 facts about the psychology of a rich person

1. They tolerate discomfort normally. Most people, of course, prefer to live in physical, emotional and psychological comfort; this is the main goal in life from the point of view of a representative of the middle class. As for rich people, on the contrary, they understand that earning millions is very difficult, and the desire for luxury can be destructive. They also learn to live in a state of constant uncertainty. A future millionaire feels fine surrounded by cynicism and other negative factors. But those who have enough strength and patience to withstand such pressure ultimately receive the means for a rich life.

2. Rich people always think about the future. Most of the common people grew up hearing stories about the good old days, when the world was a better place, the music was more beautiful, the athletes were stronger, and the businessmen were more honest. This tradition is passed down from generation to generation. People who are fixated on the past rarely succeed in business and are often depressed and tormented by negative thoughts. The psychology of rich people is somewhat different. They always have a plan for tomorrow, they study the mistakes of the past, but their dreams are connected with the future. They become so because they are ready to put everything on the line and make their dreams, goals and ideas come true. Most of what they planned becomes reality years, or maybe decades, later, but it is these ideas that model the future.

3. Rich people are confident in themselves and their abilities. For some reason, we constantly make bad heroes out of wealthy people. The main and most common label attached to the rich is that they are very arrogant and arrogant. But in reality, they are simply successful and self-confident people who constantly take risks and are rarely disappointed. Even if they fail, they realize their mistakes and come back, but for victory. This is more arrogance than arrogance.

4. Wealthy people are accustomed to perceive money as the key to freedom. The most common misconception about wealthy people is that wealth is mostly about bragging about one's status. But, despite the fact that financial status, of course, gives a person a certain weight in society, in the psychology of rich people it is just a tool for gaining personal independence. You cannot be truly free without money.

The middle class depends on the labor market, the state, which dictates what needs to be done. It’s quite difficult to be free when you have several loans that require monthly payments. Rich people don’t have to work in bad conditions and harm their health, endure bad bosses, and so on. Moreover, they can afford to organize charity auctions and events, collecting money for good causes.

5. Rich people choose their friends and partners carefully. The psychology of rich and successful people is such that they prefer to communicate with influential people like themselves. By contacting lucky people, you will certainly experience an increase in the level of your dividends. After all, as you know, we become like those with whom we often communicate. As they say, winners attract winners.

Habits of rich people

Psychology is a complicated thing. Try to understand why one easily donates thousands and tens of thousands to good causes, while the other, also not the least beggar, by the way, trembles over every penny. It all depends on the way of thinking. Truly wealthy people are generous. If you take an excursion into history, you can see that most millionaires are philanthropists, philanthropists, and people who do charity work. Among them are such businessmen as Carlos Slim, Bill Gates, Andrew Carnegie, John Rockefeller. What do you need to know about the habits and psychology of a rich person? These are the following facts:

1. Rich people are purposeful. Any successful person always has clear goals, which are a kind of pointer that tells you what, when and how best to do. If he doesn't have a goal, he won't achieve anything. It is important to remember that you cannot accumulate capital by chance.

2. The psychology of rich people is unique. From the outside it may seem that they are spending money left and right, making thoughtless purchases, and wasting money. You might be surprised, but they spend less than they earn. This is perhaps one of the most important rules of life for the rich. Ordinary people increase their expenses in parallel with rising incomes. If your salary has become higher, it means you can buy more expensive things, food, buy a car, or simply take out a loan. In the end, all this leads to the same result. As for rich people, they regularly save part of their earnings. They do not spend all their money at once, but rather accumulate it. And then they invest, live on interest and have passive income.

3. Successful and rich people are hardworking. People who have achieved financial success on their own work tirelessly and are not lazy. A person who works for hire simply works out his working hours, without showing much enthusiasm or interest in the work, because he knows that at the end of the month he will receive a salary. But a major businessman or investor conducts his business energetically, with a sparkle in his eyes. This is the main difference in the psychology of a poor and a rich person.

4. They prefer risk. Many ordinary people fail before achieving victory because they are afraid to put everything on the line in some business. However, successful people take reasonable risks. So be brave if you want to become rich. But remember: courage and recklessness are different concepts.

Secrets of a successful business

Now let's move on to an equally important issue. How can you learn to think like a rich person? Here's what you need to remember:

• Before you achieve what you want in real life, you need to get it in your consciousness. You will never become a millionaire if you don't see yourself in this role.
• Your thoughts are your limit; they set the boundaries of possibilities.
• How do rich people think? First of all, stop thinking like a poor person.
• You need to change your thinking and lifestyle to correspond to your status.
• You need to do what will bring you success, this is what truly rich people do. The rest do what they want.
• Successful people have order everywhere: at home, at work and in their heads.
• Read more, look for the information you need to both improve your business and develop an appropriate mindset.
• Design your workplace so that it inspires you to work.

What do rich people think?

Truly rich people look at the world differently than others. The author of the book “How Rich People Think,” Steve Sebold, took a good look at this issue and found the main differences in the thinking of the rich, which we will consider below.

For the rich, selfishness is a virtue

Ordinary people sometimes have a desire, for example, to save the world or let another person go ahead of them, this just does not give them the opportunity to get rich. Wealthy people have different thoughts: “I can’t help others if I don’t help myself first.”

Wealthy people have “effective” thinking

It is unlikely that you will meet a successful person in line for the lottery (even before he gets rich). The simplest person usually waits for someone else to lend a helping hand and help him achieve prosperity (this could be the lottery, the government, a good friend or family member), and as a result remains poor. Rich people do not expect handouts; they act, purposefully, and spend their time solving complex tasks necessary to achieve their goals. Wealthy people prefer specific knowledge to the detriment of formal education. The average person is sure that the only way to achieve wealth is by getting a diploma or writing a dissertation. Wealthy people earn their capital by selling their own specific knowledge acquired in the process of doing their business.

Dreaming of a better future

Rich people devote a lot of effort, energy and time to thinking about their goals and ways to realize them. While ordinary people dwell on their past, this often causes them to become depressed and achieve nothing.

Think logically about money

An ordinary person, as a rule, thinks about money emotionally or dreaming only of a comfortable, measured life. But a successful person will look at finance from a logical point of view - as a tool that provides specific opportunities and opens up new prospects for the future.

The rich have hobbies that they follow.

Oprah Winfrey once said: “You have to follow your dreams and do what you love.” These people always find ways to make money by doing something that brings them pleasure. And ordinary people make money by doing something they absolutely don’t want to do.

Don't stop there

Ordinary people have a limit to their desires, they set a kind of bar for themselves, and it is quite low - so as to be less disappointed. Rich people expect more from fate and strive to make their wildest dreams come true. Also, successful people try to benefit from the finances of others. Ordinary people are more than confident that they need to make money by increasing their personal funds.

Rich people live more modestly than they can afford

It seems counterintuitive, but those who have earned significant wealth on their own see wealth as a chance to spend less. An ordinary person usually lives beyond his means, taking out loans and getting into debt. The rich focus on profit. Ordinary hard workers save money and miss out on huge opportunities, while the rich see the big picture and find a way to make big money.

Finally

At the end of the article I would like to add that the verbal expression “wealth” comes from the word “God”, and the concept of “poverty” comes from the word “trouble”. So we wish you to be truly rich people who have taken their personal lives into their own hands, despite the troubles and failures that one way or another happen in the lives of each of us.