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Sviyash Alexander
What's stopping you from being rich?

Alexander SVIYASH

WHAT'S BEHIND YOU BEING RICH?

This book is devoted to a topic that worries many: what internal attitudes and character traits of ours prevent us from achieving good material security.

The book is based on materials from consultations and trainings on attracting money into your life, restoring and strengthening your business. It contains a lot of specific examples, exercises and recommendations that can be used by a person with any level of education, financial security, position in society, etc. Many people have already gotten high-paying jobs, achieved business success, or paid off debt with the help of recommendations from this book.

Today, it can tell successful businessmen how they can avoid the mistakes that other entrepreneurs have made.

The book develops the system of views on the world set out in the book “What to do when everything is not the way you want” or the books in the “Threads of Fate” series.

INTRODUCTION

Business is the art of making money

From another man's pocket

Without resorting to violence.

M. Amsterdam

Hello, dear readers! I hope this is not the first time we meet on the pages of my books. Because this book will develop the ideas presented in our previous works (1-8).

This book is about the earthly

Unlike previous works, this book is devoted to a completely earthly problem, namely: what may prevent you from becoming a financially secure person.

In principle, this topic does not contradict the idea described in our previous works. This idea is simple: the Creator who created our world would like people to live and enjoy life. And material security, no matter how you judge it, still makes our joy from life more complete and rich. Although it is hardly possible to talk about a direct relationship between wealth and life satisfaction. Numerous “soap” series (and the fate of many “new Russians”) show that the rich have no fewer problems than the poor. And, nevertheless, if a person is offered a choice of solving one of two problems: where to invest the free hundred thousand dollars or how to spend the remaining hundred rubles before payday, then the overwhelming majority of people will prefer to solve the first problem.

So wealth somehow diversifies our lives and allows us to more fully enjoy the world created by the Creator.

But this book is not just another collection of recipes on how to become rich. Many such books have already been written. And, judging by the number of cars on the streets and mansions on the outskirts of any city, these recipes have been successfully adopted by many. But successful people most likely won't read this book. Its name suggests that it is intended for those people who have not yet managed to achieve the level of material security they need. There are many more such people, and our book is just for them.

Who needs this book

At the invitation of legendary businessman Andrew Carnegie, journalist (and later an expert on public relations for two American presidents - Woodrow Wilson and Franklin Roosevelt) Napoleon Hill spent more than 20 years researching more than 500 self-made millionaires before releasing a best-selling book in 1937 called Think and Grow Rich (Think and grow rich).

In addition to revealing 13 "secret" principles for building your wealth, he revealed 30 "root causes of failure" that prevent us from becoming rich.

We present to you 17 reasons that should be avoided by those who strive for wealth.

1. Lack of a clearly defined goal

“A person who does not have a core or clear goal to strive for has no chance of success,” Hill writes.

If you want to make a fortune, start by visualizing your savings goals, giving each a different price tag. Then create a financial plan and clearly define what you want to spend your money on.

2. Lack of ambition

You must want to strive for a better life. Hill says this: "We give no hope to anyone who is so indifferent that he doesn't want to move on with his life, and who doesn't want to pay for it."

Capital doesn't just appear. You have to work on it with patience and perseverance. A good starting point is to invest your money (the earlier you do this, the better) and let the power of compound interest build your wealth. It doesn't require a lot of time or effort, but it does require your participation. Learn to invest!

3. Misuse of your education

Higher education doesn't give you anything yet. Knowledge is only potential power, and it will not become useful and will not lead you to great capital until you organize it and apply it to real life. Hill emphasizes: “Education consists not so much of knowledge as of knowledge applied effectively and with due persistence. People pay not so much for what they learn, but rather for what they will do with what they learn.”

Don't stop with your education. Make it a priority to constantly learn new things and constantly challenge your brain. This is the very reason why many modern successful and wealthy people read a lot.

4. Weak self-motivation

“Discipline comes through self-control,” Hill writes. “This means that a person must control all his negative qualities. Before you can control the conditions around you, you must learn to control yourself... If you do not control yourself, you will be defeated by yourself.”

When it comes to wealth, a simple formula works: save more, spend less. It's a simple concept, but controlling your costs requires discipline. If you want to start building your wealth, then learn to recognize and manage the factors that encourage you to spend more than necessary.

5. Neglect of your health

“No man can enjoy spectacular success if his health fails him,” writes Hill. It's no coincidence that many millionaires fit exercise into their schedule.

If you haven't yet taken full control of your body, the good news is that many of the causes of poor health - overeating, negative thoughts and lack of exercise - are completely under your control.

If you are very pressed for time, try to find a simple 5-7 minute exercise routine that you can do at home.

6. Procrastination

Hill cites procrastination as one of the most common causes of failure: “Many of us live our lives as failures because we keep waiting for the “right time” to start working on something worthwhile. Do not wait. The “right time” will never come. Start now and work with what is available to you now, better conditions and opportunities will begin to appear as you move forward.”

If you want to make a fortune, then start taking action right now. Don't be lazy!

7. Lack of persistence

“Many of us are good at ‘starting,’ but not always getting to the ‘finish’ in everything we do,” Hill writes. “People tend to give up at the first sign of defeat.”

Don't stop until you get what you want. The most successful people deal with their failures and overcome them. “I've learned that it doesn't matter how many times you fail,” billionaire Mark Cuban tells Smart Business. “You only have to be right once. I tried to sell powdered milk. I've been an idiot many times, and every time I've learned something."

8. Negative emotions

“A person who pushes other people away because of his negative emotions has no hope of success,” Hill writes. “Success comes through the use of force, and strength comes through the combined efforts of others. A negative personality will not make you want to cooperate with her.”

Hill emphasizes that if you want to grow rich, positive emotions must dominate negative ones. And he was right: Today's research shows that positive, happy people are more likely to succeed in their jobs and are less likely to be unemployed.

9. Lack of determination

“An analysis of several hundred people who accumulated wealth well in excess of the one million dollar mark clearly points to the fact that each of them had a habit of speedy decision-making,” Hill notes.

On the other hand, “People who have failed to save money, without exception, have a habit of making decisions very slowly (if they make them at all) and subsequently changing those decisions quickly and often.”

Decisiveness is not just a characteristic of wealth, but one of the most important qualities a leader can have. After all, making bad decisions is better than making no decisions at all.

10. Choosing the wrong life partner

Hill notes this as one of the most common reasons for failure. “If a relationship is not harmonious, it will most likely lead to failure,” he writes. “Moreover, it will be the kind of failure characterized by suffering and unhappiness that destroys all ambition in the bud.”

His claims are backed up by research. One study by Brittany Solomon and Joshua Jackson of Washington University in St. Louis found that having a qualified spouse can increase your pay by $4,000 a year.

11. Risk aversion

"A person who doesn't take chances usually has to take leftovers after others have made their choices," Hill says. “Too much caution is just as bad as too little caution. Both cases are extremes that should be avoided. Life itself is filled with elements of chance.”

When it comes to managing your money, keeping your money "safe" in your bank account may seem like an attractive alternative to worrying about the next stock market crash. However, investing your money is exactly how you make more money.

12. Hanging out with the wrong people

“You should carefully choose an employer who will be an inspiration to you and who is smart and successful in their own right,” advises Hill.

This concept goes beyond choosing your boss and colleagues; It is also very important to surround yourself with talented and motivated people outside of your work. Hill calls it the creation of the band "Master Mind".

We become like the people we interact with, which is why rich people try to choose other rich people as friends.

13. Hating work

“No man can succeed in endeavors he does not enjoy,” Hill writes. “The most important step in advancing your personal skills is choosing an activity that you can immerse yourself in and give your heart to.”

There is no need to hunch your shoulders at a job that causes you stress and leaves you disappointed in life. Quitting your job under the right conditions can be incredibly rewarding and provide benefits down the road.

14. Dispersion

“Taking on everything at once is rarely helpful,” Hill writes. “Concentrate all your efforts on one main, defined goal.”

If you want to get rich, you must be obsessed with this passion. “Desire will not bring you wealth. But desiring wealth with every cell in your body, becoming an obsession, and then planning clear ways and means to achieve wealth, and backing those plans with persistence that refuses to admit failure, will lead you to wealth,” says Hill.

15. Lack of enthusiasm

“Without enthusiasm, you can't be persuasive,” Hill notes. “Moreover, enthusiasm is contagious, and the person who possesses and controls it is usually a welcome member of any group of people.”

The richest people don't find success on their own; rather, they use passion and energy to inspire others.

“Without passion you have no energy, without energy you have nothing. Nothing great in the world has been achieved without passion!” says billionaire Donald Trump.

16. Closed mind

“A person with a closed mind rarely achieves anything,” writes Hill.

You must be willing to constantly collaborate with other people, offering them new ideas and innovations. The richest and most successful people don't think like us.

To start thinking differently, do different things, meet different people, and value different ideas, says John Maxwell in his bestselling book How Successful People Think.

17. Lack of communication skills

“Many people lose their position and their great opportunities in life because of this mistake more often than from all other mistakes combined,” warns Hill.

Building an empire requires as much human skill and charisma as it requires strategy.

Mark Cuban, writing for Entrepreneur about the key skills for becoming successful in business, put it bluntly but clearly: “People hate dealing with assholes. It's always easier to be nice than to be a jerk. Don't be a jerk."

“You don’t have to chase success,

We must strive to become

Attractive personality"

Jim Rohn

Rich means one who knows God in his heart. After God created the world, he created man and became worried, fearing what he had donegreat mistake - “man will not let me live in peace. Every minute I will see him at my feet, at the doors of temples with complaints and requests. Where isShould I hide from a person? On top of a big mountain, at the bottom of the ocean, on the moon? But soon man, having created various mechanisms, can achievethese corners. And God decided to hide in the human heart. This is where people never look. In order to become richer, you needchanges do not come from outside, but from within you. Everything, including wealth, is within us.

Let's look at the 7 deadly sins that we are closely associated with:

1. "Pride" (we do not accept help). The Gospel contains clear “instructions for using the Universe.” Orthodox Russian reads "Ask and it will be done"given to you,” “If you have faith as big as a mustard seed, you can move mountains, command a tree with its roots to throw itself into the ocean.”

2. "Resentment" (we do not accept the situation). We get offended like children, reacting to situations, words, actions of people. We struggle with the feeling of “resentment.”

But you need to at least accept and observe - changes will come.

3. "Fear". This feeling blocks movement. Fear should be contrasted with Faith. Faith moves things and moves them exactly as far asshe is strong.

4. "Envy" (grief for the well-being of one's neighbor)

5. "Anger" is a way out of a state of harmony

6. "Gluttony" - food, laziness (mental thieves)

7. "Despondency" - non-acceptance of appearance and self.

All this prevents us from developing and, even more so, blocks the arrival of success, money, health, love and happiness. What is happiness? Happiness is the highest feelingunity of soul and mind. You have all spheres of life in equal proportions and receive joy, satisfaction and inspiration from this: inlove, in family, in work and in hobbies. They say when I'm rich, I'll be happy, or - I'll be healthy. But the disease does not come to us by chance, butwhen we allow “mental thieves” to control us: fears, resentments, anger, laziness, despondency, etc.

Even if happiness comes to us, it will not be for long. For example: I bought boots (convenient, comfortable) and was happy for three days. And suddenly I sawA friend has the best boots - a feeling of annoyance and depression appeared...

Man is an energy information system (what he emits is what he receives). By accepting and broadcasting negative energy, you create your own “hell”. By accepting and broadcasting

positive energy, you create your own “paradise”. Anzhelika Varum was interviewed: “Please tell me how you like it

manage to be so unusual, unique, always cheerful and happy?" She answered: “And I created my own world, my own fairy tale, put myself and my loved ones there and am happy.” All our life circumstances are a reflection of our subconscious beliefs. And they can go from “childhood” (from parents, from the environment in which we grew up)

If we did not receive “strokes” in childhood, i.e. "candy of joy", then we don’t have them “in our pocket” so that

give them to others and to yourself personally. Money is the equivalent of difference. The entire history of mankind shows thatmoney and prosperity arise only where there are “Differences” that begin to interact with each other. In order for both parties taking part in the exchange process to extract maximum benefit for themselves, to receive more than they gave themselves, they, at a minimum, must differ from each other. So, money is a measure of difference. People share their differences with each other, receiving money in return. The more you differ from other people, the more likely you are to become rich. Since all people on earth are different (outward appearance, thoughts, attitudes, abilities, talent), then every person, in principle, should be rich. The main thing is to realizeyour individuality and how to sell it more profitably. The first secret to attracting money is uniqueness. You get paid in direct proportion to your uniqueness. The more people who can do your job, the less you get paid.And the fewer people who can do your job, the more you get paid.

The 2nd secret to attracting money is added value. When you find ways to add wealth, health, happiness, love or time into people's lives, you will be rewarded for it. The 3rd secret to attracting money is leverage. When you apply leverage to a good product or service.

For example: in 1 hour a sale of a product is made to one buyer or one hundred buyers. Remember your childhood, when you really wanted something, but your parents didn’t buy it. The child remembered, from “childhood” he brought into today’s adult life that one cannot dream,” “there is no money.” Many remember vivid emotional situations and experiences. Analyze the relationship of the father and mother to money. The Soviet government had a huge influence on our attitude to wealth, in which homogenization occurred, it became a shame to be rich. You need to be “like everyone else,” not to stick your head out. The thoughts and words with which we live block the movement of money:

No money,

I can't afford it

I'm not worthy of this

Money is evil, All rich people are greedy,

I work hard and save money

Money can not buy happiness,

Money doesn't grow on trees, etc.

Let's analyze the sentence “I can't afford it.” I reinforce the idea of myself as a poor person. Change - "How can I afford this?" I have strengthened the idea of myself as a rich person. I direct my mind to search for opportunities to accumulate wealth. And the expression “I can’t afford it” blocks any attempt by the higher mind to come up with a way to achieve what I want. “there is no money”, and back the Echo of the Universe says, “There is no money” and there never will be. The words “POOR - NOT SEEKING”, “poor - BRINGING TROUBLE”,

“wealthy” - to be, stand, stable." Money + our thoughts = our reality. We aggravate our negative program and “fall.” Determine who you are in relation to money. Each person has his own personal system of life values. In in accordance with it, he sometimes even unconsciously assigns himself a certain place in this world. This system also includes an attitude towards money, the amount of wealth that he can possess, or rather, which he can “withstand”, therefore we are not always ready for big money. and we are afraid. And money is just an idea, that is, it is given as an accompanying attribute on the way to achieving a goal, that is, money is energy (invisible and very fragile). For some reason they go to some people, but to others the door is closed. You should know the laws of attracting money and how to manage these flows.

“Wealth is very good when it serves us. And very bad when it commands us,” Bacon.

The life of every person from beginning to end develops according to the divine plan. The famous German philosopher and playwright Johann Wolfgang Goethe said: “Life is a quarry in which we carve, sculpt and “finish character.” The Bible says: “I came so that they might have life and have it more abundantly” (Gospel of John 10:10) You are here to reveal your hidden talents to the world, find your true place in life, express yourself at the highest level - and then you will automatically achieve incredible success. You will find happiness, health, wealth. Humanity is all divided into four categories. depending on the hierarchy of life values;

1. Driven by need: a) fighters for survival - these are old people and people who have a philosophy of “poverty” b) fighters against need.

People of this group strive to escape from this need. They are guided by a feeling of hopelessness and depression.

2. Externally motivated. These are people who are “victims” of the environment. They are slaves of circumstances:

a) belonging to the middle class - these are people inclined to conservatism,

b) people with a desire for superiority,

c) people with the desire to reach maximum heights (they are characterized by competence and purposefulness of actions). There are many business leaders among them.

3.Driven from within. These people are guided by their own values. They are concerned with their personal growth. People in this category are divided into 3 groups:

b) people who prefer their personal experience,

c) socially conscious people, responsible, thinking on a cosmic scale.

4. Integrated people. This category includes those rare people who are able to see all phenomena and events in their entirety, and evaluate all their aspects. Such people can lead others and become true leaders. For the sake of the interest of the matter, they can remain in secondary roles, performing the necessary menial work. They are characterized by self-confidence, internal energy, and the ability to express themselves. Depending on our values, beliefs, instructions from childhood, place of residence, birth and other factors, we can decide which category of people we belong to. That is why we have such health today, such family relationships and such financial results. The amount of income rarely exceeds the level of personal development. To have more than you received, to become more than you are - Jim Rohn. First, you need to measure your abilities in the “natural state” - how much you earn, how much “your individual Universe is designed for.” First of all, you need to analyze your social circle, cut off skeptics and whiners, pessimists - they are like weights on your legs. On the contrary, try to find like-minded people who believe in success just like you. It’s always easier to get to the top in a group - this is due to the “mutual pull” factor. Income growth is planned for the next year and no more than 30%. Do not set high standards, you may fail and aggravate your doubts. After each failure, returning to the trajectory of success becomes more difficult. Desires are satisfied when the emotional side of the desire is overcome, i.e. lust. Compare your feelings in two cases: when you want to eat, you go to the kitchen and open the refrigerator (in this case, the desire to eat is present, but there is no lust, since you are calm, there are no emotions. Your feelings cannot be shared by the peoples of Africa, where in large numbers people are dying of hunger. In their case, the desire for food is mixed with frightened lust, the fear that there may be no food. The stronger this fear and doubt, the less likely it is to get what we want. As Pushkin wrote: “The less we love a woman, the more we like us. “The same can be said about money, since the principle is the same. Businessmen do not like money, they use money cynically and prudently, and the love of money would ruin them. To make a profit, you first need to invest a lot, i.e. part with. money, and the more ruthless this parting, the better the result. And it is the poor who love money (they value it, pine over it - and therefore do not receive reciprocity) Little money comes into their lives. The Universe, along with your application, through lust, receives an additional application for inaccessibility requested. If you lust, then a terrible mark has been punched on your application - “wants to receive with great difficulties.” You ordered a pie with problems, you will receive it too. To get rid of lust, from the painful fear of failure to fulfill a desire, it is necessary to shift priorities, i.e. . distract yourself, for example, by gardening. And if you start rooting for something, then things will be “bad” for them, because... there is a principle - “excitement for” provides for “complication in that.” In order to open the way for the flow of money, you should also open up to the “Spirit of change.” .To do this, you need to start with your drawer - go through your cabinets, shelves, remove the so-called “rotten jars”. Rearrange the furniture, review things and make room for new ones to arrive, and remove old things, if they have not been worn for a year, from the closet and transfer it to an orphanage or to the trash heap. Then pay attention to the wallet: it’s a beautiful house with bright colors, no business cards, comfortable, spacious. You always know how much money is in it and it’s easy to part with it. It’s also easy to open up to the influx of money. With the words “with light and love,” pick up a penny from the floor. From the earth, to accept from the hands of other people, and it doesn’t matter whether it’s morning or evening. This mini-prayer erases bad information and illuminates the path in your affairs. But affirmations perfectly open cash flows in your direction if you repeat systematically: “I am open any good. I bless money, which satisfies all my needs. The Universe is beautiful and generous for me. The Universe gives me an absolute flow of all blessings. I joyfully open myself to all the blessings of the Universe. I here and now accept with joy and gratitude and love the absolute abundance of generous Universe. Every moment there is divine justice in the world. I am always satisfied with life. Heaven always sends me money. My income is growing. I have as much money as I can accept. And I happily open up to this divine energy HURRAY! Everything works out for me!!! It follows from this that, firstly, you need to open up to all the blessings of the Universe, which means you can’t give up little, otherwise you won’t get more. Secondly, you can’t use forceful levers to “knock out” money, even if it’s earned. For example: One of the directors of a small The company was unable to pay wages for some time due to the crisis. And the worker decided to intimidate him and forced him to pay the money using violence. After that, during his trip home, he was robbed and beaten. Conclusion; money does not like aggression. The issue of debt is a separate issue: the best thing if you make a decision is not to borrow money from anyone and not to lend money to anyone. There is a very wise proverb: “If you want to lose a friend, lend him money.” And one more proverb - “Better score, longer friendship.” These wise words came to us from grandmothers. And how accurate are they... Well, if something happens to you, and you are forced to borrow money, in this case you should take full responsibility for “ "other people's money." the decision to lend “your free money” to someone, here you are also buying a “New State” and the state should be of goodwill. For example, if a large amount of money was lent, then your money will decrease, “flow” to “nowhere” , because The Universe will determine that you do not need money. There should not be so-called “links” to debts; you cannot constantly think about debts (they then persist for a long time and grow) “You cannot curse or insult the debtor, but only wish him good ways to earn this money and pay it back to you on time. If you are overdue for repayment of a debt, then you should try to forgive the debt with all your heart, then they will return it to you very quickly. There is one of the laws in life; "Give up and you will get what you gave up." What is the difference between a Rich person and a Wealthy person? Rich is a state in which you no longer know or count your income. This is confirmed by an interview with Prokhorov (the richest Russian), where he answered the question of how much money he has - “I don’t know how much money I have.” All our troubles, lack of money, relationships with loved ones, business partners are checked, oddly enough, on money. After reading the Bible, you can get answers to many questions. Why is illiteracy prevalent in Russia? It is necessary to find out the true history of our people - Rossov. Ivanov’s book “Rus from the beginning” very accurately describes the life of our ancestors. Why for a long time did books about financial literacy and achieving success not come to Russia? It was forbidden, it was very beneficial for the West for the Russian Ivan to be a fool, dark, downtrodden. It is easier to manage such people. But with the advent of the Girbalife company, good books broke into Russia, which were able to open the “veil”, a new vision and understanding came - it turns out that we do not live as happily and beautifully as they painted for us. There are laws of life that are closely related to the laws of money. In childhood, surrounded by loved ones, this knowledge is formed and becomes beliefs in life. All the negative thoughts that arise in the head, they move one step away from success. There are 7 basic laws that give you the right to be successful. And ignorance of them frees you from making a profit. There is a movie “The Secret”, listening to it every day can change your life thoughts, and then will prompt you to take those actions that will provoke this “success” of life. When you ask yourself or people how much money you would like to have, you very often hear “automatically” - the more, the better! can determine how much you really need, so the answer is no more money. You need to work with your Personal goals and formulate a figure, defining the time frame for your plans. This is how it works. In fact, we are afraid of big money. Fear of money is a normal innate state of Soviet man. The imbalance in life of the material over the spiritual and vice versa prevents us from becoming a harmonious Rich person. For example; in 1998, during the crisis, the material began to prevail over the spiritual and aggression appeared among the people. Bandit groups appeared when they attacked their brother as an enemy. And after 2000 (coming out of the crisis) - the beginning of the development of the spiritual and esoteric shops appeared, restoration of churches, people began to go into spiritual practices, and the material side began to decrease in size. In order to maintain the parity of the spiritual and material equinox, enterprises developing using the network marketing method helped. You need to think about money as a Grace. Positive good thoughts and daily affirmations help with this. Every In the morning, with the power of thought, we throw the installation into our subconscious; “Wherever I am, every minute I feel the assistance of the Lord and I know that he will meet all my needs, both material, financial, and spiritual, and will send prosperity and Divine blessing” or “I lovingly bless my income and see how it grows " or "I sincerely wish success, happiness, wealth, peace and prosperity to all my partners and all people, wherever they are; I rejoice in their promotion, success and prosperity. Now I focus on the Omnipresence and Omnipotence of God. I know that His Infinite cosmic wisdom guides the planets. I believe that the same Divine intelligence guides all my affairs. I affirm that Divine understanding is mine always and everywhere. I know that my actions, which are controlled by this cosmic Presence within me, express wisdom, truth and beauty at all times. My business is completely controlled and managed by His will. Divine Guidance is with Me Joseph Murphy. These words make it possible to give and wish to all of Humanity, the Universe, and since we are each a part of this big thing, we also receive what we wish for everyone. But this mini-prayer gives us the understanding - “Child of God” -, Every moment I I give my work to the Lord and the Universe just like that and from the Lord, from the Universe just like that, because I am His Divine child, I receive satisfaction of all my needs.” But this affirmation helps to align all areas of life; in family, in love, in work, in hobbies.” Every day, my affairs everywhere and in everything are getting better and better and better.” And for the solution to the issue to be successful, you should take Lady Luck with you” - “Lady Luck, be always with me, be ahead of all my affairs, be “My patroness” and imagine, visualize what she looks like. It really helps the flow of money when you say the following words when you open the door of your office or apartment with a key - “Whoever comes in and out here is blessed and prospers, full of inspiration and enriched with all abilities.”

In the world there are certain steps or “bars” on which each person is in terms of the amount of money they receive (from 1000 to 250,000). Everyone has their own financial status and a certain category of acquaintances. According to statistics, out of 100% with whom we communicate, 60% of them - these are the poor, 30% are the middle class and only 5-10% are rich. For example, in Europe it is considered that when the monthly income is less than 3000 USD, these are poor people. Then, comparing your income with this indicator, you can call Russians beggars. Beggars, but proud. We were the first to fly into space, albeit in “bast shoes”. We are always looking for an excuse for our “bast shoes”. How to climb the career ladder and get into a different category of people? After all, whoever earns 20,000 rubles a month will be able to talk about his experience, and if not, then, looking at our clothes, etc., a person will not come to work with us. There is a formula for how to achieve growth on the career ladder. Only through special knowledge do we grow. Then inspiration, an idea appears and we begin to act; We write down dreams, goals and calculate them. Most often, we keep goals in our heads, but it must be freed and transferred to paper, and the head must be free for ideas. From primary sources there are 3 books that can be the basis of our specialized knowledge and, by working through and reading them correctly, we can be inspired to take some action towards our success. This is the book “Think and Grow Rich” by Napoleon Hill, “See you at the top” by Zig-Ziglar,” The richest man in Babylon" by George Claisley. 1st Law - Start filling your wallet; pick up bills with the numbers 2,8,7.9, which attract the flow of money or collect banknotes with the letters: NA, NY.LI.S, dollar or 1 kopeck must be charged so that they collect money. Write a check to yourself personally for 1,000,000 rubles and also keep it in your wallet. There is a law for the distribution of the money you receive. We save 10% of the incoming money, that is, we keep this N.Z. for ourselves. – we never spend it, only exchange it for large bills. Of course, in this case you need to have great patience so as not to spend them. They say there is God nearby and there is Satan, who creates the conditions for spending this money. It is necessary to withstand this test, then the state of a rich person will be stable and constantly growing upward. And the consciousness “there is always money” will inspire you. 10% -on charity or parents. And when you give it away, you won’t regret it. 10% goes to the Positive Events Fund(fps) - unexpected expenses. It is better to put it in the bank. And 10% is for repaying loans and debts. And we live on 60% and control our expenses. The problem for Russians is to live on 120%. in debt. If a person is poor, this is a disease of consciousness. Today it is necessary to make a diagnosis of consciousness and a task-goal on how to recover. The most important thing is to learn to quickly make a decision and make a choice. And any choice in life is realized. 95% of people are somehow friends with money, but only 5% of people know how to manage it. Dear my first reader, after reading my book, you have grown a little in understanding financial flows and managing them, and I have grown with you. Be rich and happy!!!

In this article I would like to talk about how to learn to be rich and how to spend your money correctly. I have read many books on this issue.

How to become wealthy? If you do not dream about this or have not yet decided to make such changes, then this is your right. I write for those who want to become financially independent and successful. Where should you start?

Before that, we must first change ourselves. To do this, you need to admit to yourself that something was done wrong. Once we realize this, we should immediately begin to change ourselves. After all, when we feel that we are sick, we immediately begin treatment; when we realize that we are overweight, we go on a diet, etc.

Therefore, without waiting for tomorrow, tell yourself: “I will start living differently, I will start thinking correctly, and this will make me successful and rich.”

The basis of correct thinking is that you need to learn to save. To do this, do not purchase items that are not necessary, do not buy expensive things, but wait until discounts are announced on them. You must understand that it is quite easy to be frugal and it does not mean that you are stingy.

Find your place in life

Only we ourselves can understand and decide what we were created for:

whether we are employers;
do we work for “uncle”;
or maybe we work for ourselves;
or invested assets bring us dividends

The ability to create contributions that will enrich us over time is the goal of our conversation today. To put it in simpler terms, we must learn to buy the goose that will lay golden eggs for us. And you know, this scheme is quite simple.

Money Flow Quadrant

There is a certain quadrant of cash flow, here are the designations of its four sides:

R- These are workers who work at any enterprise. They have a fixed salary, unfortunately not very much, and the enterprise itself does not bring them any profit.

WITH- these are specialists. Their income is slightly higher than that of hard workers, as they have greater skills.

B- these are businessmen who independently organize their business, modernize it, if necessary, find ways to sell products and hire people who bring them profit.

AND- These are investors who invest in profitable enterprises organized by businessmen.

"Eaters" and "Sowers"

All people can be divided into two types: some eat away their finances, while rarely thinking about what will happen tomorrow. Others, on the contrary, try to save an extra penny and then invest it so that it can bring them profit.

For greater clarity, I would like to talk about Robinson Crusoe, who, having only a few grains of wheat and being very hungry, did not eat them, but sowed them. By carefully caring for the crops, he ensured that after a few years he had enough grains not only for sowing, but also for good nutrition.

What can you say about us? We go to work every day, receive a small salary, then almost immediately spend it on living expenses, sometimes we even manage to borrow money until the next salary.

Let's start a new life

To do this, we invest part of our income, then reinvest the resulting profit. Over time, some links will fall away by themselves and the following picture will emerge:

Your goal is to learn to live on investment income. It looks like this: we receive dividends from our investments, spend some, and invest some again, i.e. our hen begins to lay golden eggs.

Life card

Gradually we increase our investments, and therefore the profit increases, we become richer, we begin to fully provide for ourselves and our family. It should be noted that in this case we work only for ourselves.

However, you should understand the following rules. There are four of them:

First. Use all your strength to increase your income, get it where you can. Don't forget to constantly learn.

Second. It doesn’t matter what your income is - what matters is how much you can save. And therefore learn to save.

Third. At home, you also need to do accounting. Spend as little as possible.

Fourth. Your investment should be constant, but be careful (do not rush to invest money if you are not confident in the enterprise).

The question may immediately arise: “How and where to start investing?” After all, we don't have that much extra money. But everything is much simpler than it seems at first glance.

Let's start investing

Develop yourself. To do this, enroll in some necessary courses, purchase interesting literature or CDs, and get a second education.

Increase your self-education - learn additional skills in your specialty, learn new languages
Buy securities, become a shareholder in a company, join funds
Invest in real estate. Such investments are always relevant

Where else can you get dividends?

You can purchase real estate and later become a landlord
From stock investments
Become a shareholder of the newly created company
Buy and sell shares of successful companies

Important rules for investing

Invest only your capital, even if it is small. Do not borrow money for investment under any circumstances, since first of all you will have to pay off your debts from the profit.
Important: invest only saved funds and only personal ones.
Be prepared for any investment outcome, including the possibility of losing your assets.
If you are offered to join a project and are told that it is one hundred percent reliable, do not believe it!
Don't rush if you are being rushed into investing. Before participating in a project, you need to learn more about it, analyze your actions and only then make a decision.

In the final part of the article I would like to list the basic rules of success:

If you work, then you must always do it with perseverance and determination, only then will your work be effective;
Learn to save your income, save it, and then save it correctly
Increase your self-education: constantly read educational literature, learn and improve your skills
Think about your actions. Learn to be creative
Change your attitude towards others: more often

At the invitation of the legendary businessman Andrew Carnegie, journalist (and later an expert on public relations of two American presidents - Woodrow Wilson and Franklin Roosevelt) Napoleon Hill spent more than 20 years researching more 500 on your own became millionaires before releasing a best-selling book in 1937 called Think and Grow Rich.

In addition to revealing 13 "secret" principles for building your wealth, he revealed 30 "root causes of failure" that prevent us from becoming rich.

We present to you 17 reasons that should be avoided by those who strive for wealth.

1.Lack of a clearly defined goal

“A person who does not have a core or clear goal to strive for has no chance of success,” writes Hill.

If you want to make a fortune, start by visualizing your savings goals, giving each a different price tag. Then create a financial plan and clearly define what you want to spend your money on.

2.Lack of ambition

You must want to strive for a better life. Hill says this: "We don't give any hope to someone who is so indifferent that he doesn't want to move on with his life, and who doesn't want to pay for it."

3.Misuse of your education

Higher education doesn't give you anything yet. Knowledge is only potential power, and it will not become useful and will not lead you to great capital until you organize it and apply it to real life. Hill emphasizes:“Education consists not so much of knowledge as of knowledge applied effectively and with due persistence. People pay not so much for what they learn, but rather for what they will do with what they learn.”

4.Weak self-coercion

5.Neglect of your health

“No man can enjoy spectacular success if his health fails him,” writes Hill. It's no coincidence that many millionaires fit exercise into their schedule.

If you haven't yet taken full control of your body, the good news is that many of the causes of poor health - overeating, negative thoughts and lack of exercise - are completely under your control.

If you are very limited in time, then try to find a simple 5-7 minute set of exercises that you can do at home.

6.Procrastination

7.Lack of persistence

“Many of us are good at 'starting,' but not always 'finishing' everything we do,” Hill writes. “People tend to give up at the first sign of defeat.”

8.Negative emotions

9.Lack of determination

“An analysis of several hundred people who accumulated wealth well in excess of the one million dollar mark clearly points to the fact that each of them had a habit of making decisions quickly,” notes Hill.

On the other hand, “People who have failed to save money, without exception, have a habit of making decisions very slowly (if they make them at all), and subsequently changing these decisions quickly and often.”

Determination is not just a characteristic of wealth, but one of the most important qualities a leader can possess. After all, making bad decisions is better than making no decisions at all.

10.Choosing the wrong life partner

His claims are backed up by research. One study conducted by Brittany Solomon and Joshua Jackson from Washington University in St. Louis found that having a qualified spouse can increase your pay by $4,000 a year.

11.Risk aversion

When it comes to managing your money, keeping it "safe" in your bank account may seem like an attractive alternative to worrying about the next stock market crash. However, investing your money is exactly how you make more money. (link from conference author

12.Hanging out with the wrong people

“You should carefully choose an employer who will be an inspiration to you and who is smart and successful in their own right,” advises Hill.

This concept goes beyond choosing your boss and colleagues; It is also very important to surround yourself with talented and motivated people outside of their work. Hill calls it the creation of the band "Master Mind".

We become like the people we interact with, which is why rich people try to choose other rich people as friends.

13.Hating work

14.Dispersion

“Taking on everything at once is rarely useful,” Hill writes. “Concentrate all your efforts on one main definite goal.”

If you want to get rich, you must be obsessed with this passion. “Desire will not bring you wealth. But desiring wealth with every cell of your body, becoming an obsession, and then planning clear ways and means to achieve wealth, and backing up those plans with persistence that refuses to admit failure, will lead you to wealth,” says Hill.

15.Lack of enthusiasm

“Without enthusiasm, you can't be persuasive,” Hill notes. “Besides, enthusiasm is contagious, and the person who has it and controlling him, is usually a welcome member of any group of people."

The richest people don't find success on their own; rather, they use passion and energy to inspire others.

“Without passion you have no energy, without energy you have nothing. Nothing great in the world has been achieved without passion!” says billionaire Donald Trump.

16.Closed mind

“A person with a closed mind rarely achieves anything,” writes Hill.

You must be willing to constantly collaborate with other people, offering them new ideas and innovations. The richest and most successful people don't think like us.

To start thinking differently, do different things, meet different people, and value different ideas, says John Maxwell in his best-selling book How Successful People Think.

17.Lack of communication skills

“Many people lose their position and their great opportunities in life because of this mistake, more often than from all other mistakes combined,” warns Hill.

Building an empire requires as much human skill and charisma as it requires strategy.