HOW TO BECOME RICH FROM SCRATCH? There is probably not a single person on earth who would not want to become rich and successful person, and very quickly. This is why the TV show “Who Wants to Be a Millionaire” has become so popular today; all kinds of lotteries and free winnings have become in great demand. In addition, today many manuals and special literature have been created that describe in detail how to short time and without extra effort, become a billionaire. But it’s important not only to manage to read all this and master the basic laws of wealth, but also to be able to highlight the most important and, most importantly, apply THIS IMPORTANT in life.

What does it mean to be a rich person?

Before you start becoming rich, you need to understand and understand what it means to be rich.

Since we are all different, with our own individual psychological characteristics and needs, the understanding of “being a rich person” is also different for each person. For some it is:

have a huge bank account and a large country cottage;
your own apartment, car and the opportunity to travel;
a profitable business that generates enormous income;
or just big loving family etc..

The list could go on for a long time; it’s all purely individual. One thing remains unchanged: A rich person is considered to be a person who is simply happy and content with what he has. .

For example, American millionaire Robert Kiyosaki believes:

– this is the amount of time that a person can not work without changing his usual lifestyle;

A Rich man - a person who may not work for money, receiving income from his existing assets.

That is, he measures WEALTH by the time during which a person can not work without changing the quality of his life. And a RICH PERSON, in his understanding, is the owner of assets that bring him enough money for him.

Before starting your path to wealth, each person must answer the following questions for himself:

Why do some people manage to earn big money and others don’t?
Why does someone manage to earn big money and actively relax at the same time? And someone, working day and night, barely lives to see their salary?
Why is it that some people can afford expensive purchases with a minimum of effort, while others can barely make it to their payday? And, for the most part, they don’t survive at all?
Why is it that some people simply, as it seems to some, make money out of thin air, while others do not live, but survive?
Why does it seem that some people are constantly pursued by luck, while others cannot get out of the “debt hole”?

Many people truly consider this to be a matter of luck, and someone who has already achieved success and wealth in life will say that this is entirely an approach to life and a way of thinking. This does not mean that if you start thinking like a rich person and look at life from the other side, then wealth will immediately fall on your head. It will simply help you start your own journey to wealth in the right direction and with the right mental attitude.

How to become rich from scratch. Step-by-step guide to action

Step 1. Make a firm decision to become a rich person

Based on all of the above, you need to clearly define for yourself what exactly you want, and how much of it you need in order to feel happy, rich and successful.

To become rich, you must first decide to become rich. The decision must be firm and the intention unshakable. So that not a single relative, friend or just neighbor can change your firm decision and unshakable intention.

“Your own decision to succeed is more important than hundreds of others” - Abraham Lincoln

When making a decision, you must initially understand that you are choosing a completely different lifestyle with completely different habits and ways of thinking.

And remember:Poor is not the one who has little, but the one for whom there is always little.

Step 2. Set specific goals

I want to become a rich person - this is not a goal, but a dream that needs to be formulated correctly. It is necessary to clearly and specifically understand for yourself what lies behind the word wealth. Big house, an expensive car, a huge bank account or just a big family and a well-paid job.

Specific goals are a clear plan of action, following which in small steps you will certainly become a rich, successful and happy person.

Step 3. Developing the Habits and Mindsets of Rich People

and thinking rich people - this is precisely the main basis that And also, the answer to the question: How to become rich from scratch? This is what distinguishes them from poor and not very successful people.

To become a rich and successful person, you JUST NEED to develop the habits and thinking of rich people. You shouldn’t count on quick results, much less despair if something doesn’t work out. This is exactly what is developed over time and developed with experience. You need to start small, adding more and more useful habits and gradually changing the way you think. So, the emphasis must be on patience, patience and more patience.....

Step 4. Develop confidence in yourself and your own abilities.

The belief that you are not worthy of wealth and constant doubts about your own abilities will always prevent you from becoming a rich person. Low self-esteem has never made anyone rich. What is in your head directly affects your actions and directly affects the result.

Stop whining and complaining - it hasn't helped anyone yet. Remember, the road can only be mastered by those who walk. Reconsider your thoughts and view of the world. Learn to think not like a loser, a weak-willed and spineless person, but like a person who is confident in himself and his own strengths, capable of much. As Dale Carnegie said: when a person starts a war with himself, he is already worth something.

Step 5. We begin to change our lifestyle.

A person’s lifestyle determines his essence, actions and deeds. Therefore, this is what distinguishes a rich person from a poor one.

The first thing you will need to change is your environment. Man is a herd creature, loving to imitate and with a great need to be like everyone else. Therefore, a person’s environment influences his actions, actions, habits, thinking and, accordingly, his lifestyle. And that’s why the first thing you will need to change is your environment.

Start communicating with more successful people. This way you will quickly develop the right habits and thinking, and begin to act and act differently. You will begin to live like a successful and confident person.

Step 6: Educate yourself financially

Unfortunately, they don’t teach how to become a rich person either at school or at college. Therefore, you will need to try to learn financial literacy on your own and

Start reading more financial literature, attending trainings and seminars on finance and business, look for the information you need on the Internet, sign up for webinars. All this will greatly help you become a financially literate person and help you take the right steps, and a correctly and competently drawn up financial plan, like a compass, will show you in which direction you need to act.

Step 7: Take Action

Surely everyone has heard that water does not flow under a lying stone. Any, even minor, goals and plans must be accompanied by specific actions. Without action there will be no result.

Don't sit and wait for lady luck to fall on your head - it won't happen. Do not be afraid of anything and remember that a journey of a thousand miles begins with the first step.

Step 8. Be patient

Regardless of which way to get rich you choose, it takes time to implement your plans, and not a little. So, be patient and just continue to move forward with your plan, act, make mistakes and draw the right conclusions, on the basis of which you can make the necessary adjustments to your financial plan.

Basic rules and important tips for millionaires on how to become rich from scratch

1. Pay yourself first

Whatever your monthly income, you should always set aside a set percentage of your total income and not touch it until you decide to do so. No matter how hard it is for you, this rule is inviolable and cannot be appealed.

2. Financial literacy

All our adult lives we are forced to study well in order to find a good, well-paid job in the future. First we are taught the basics of literacy in school, then we receive professional education, after which we look for a stable and reliable job, where we work for money until retirement. But no one teaches us how to become rich and financially independent. You must clearly distinguish between assets and liabilities, good debt and bad. For this you need to become financially educated. Financially literate people do not work for money, but make money work for themselves.

As John Davison Rockefeller said:
He who works all day has no time to earn money.
"Knowledge is power." Bacon

3. Positive cash flow

“You don’t have to be afraid of big expenses. We should be afraid of small incomes.»
John Davison Rockefeller

You need to start your path to wealth by creating a positive cash flow. Namely, from the creation and competent management of your income and expenses, liabilities and assets. For which, as mentioned above, you need to become a financially literate person.

4. Learn from mistakes

Since childhood, we are taught that making mistakes is bad, that everything must be done correctly. They punish us for the slightest mistakes and defeats. Is it really that scary to make a mistake and do something wrong? Let's remember small child, who begins his life path from continuous mistakes: sometimes he climbs into the wrong place, sometimes he puts his hand in the wrong place, he whines, he whines, he draws conclusions for himself and will not do that again. And so on until he grows up and it is drilled into him that making mistakes is bad. But all of us, from birth to death, learn something thanks to these very mistakes. It’s not for nothing that they say: “You learn from mistakes.” It is the ability to learn lessons and draw conclusions from our mistakes that gives us truly invaluable experience and knowledge. The important thing is not that you are wrong, but what benefit you derive for yourself. The more mistakes a person makes, the smarter, more experienced he is, and therefore, the richer he is.

“Mistakes are a science that helps us move forward.”

W. Channing

“The worst mistake you can make in life is to be afraid of making a mistake all the time.” Elbert Hubbard

5. Debts

“It is unforgivable frivolity to make debts if you intend to pay them.”

Egon Fidel

“People go broke not because they incur debts, but because they pay off debts.”

Moses Safir

There are two types of debt: good and bad. A good debt is when someone pays your obligations, a bad debt is when you pay off debts with your sweat and blood. It is necessary to reduce, and ultimately eliminate, bad debt and increase good debt.

6. Organization of income

There are three types of income:

professional (earned);
investment (stocks, bonds, etc.);
passive (for example, income from real estate).

All this income is very important. Proper organization of these incomes will help create a positive cash flow. Which, in turn, will help you become a rich person. And for this you need to improve your

As John Davison Rockefeller liked to say: Create a source of passive income and live for your own pleasure!

7. Change something

People who are afraid of making mistakes find it easier to do nothing or do the same thing as before. To increase your chances of becoming rich, you need to change something. Or rather, simply move from the category of an ordinary worker to the category of a businessman or investor.

“If you don’t have enough money, you need to do business. If there is no money at all, you need to do business urgently, right now!” John Davison Rockefeller

8. Self-discipline

Today it is no secret to anyone that only strictly disciplined people. All success begins with self-discipline. It all starts with you. After all, in order to achieve success, you must strictly follow the plan and overcome many difficulties. Never say: “I can’t”, say: “I can, but not now”

Controlling your unnecessary and useless expenses will increase your chances of getting rich. Which also requires enormous will and self-discipline.

Remember, even with a great desire to become rich, without certain knowledge and skills, without changing your thinking and lifestyle, getting rid of fears, without self-discipline and the necessary decisive action, you will have to say goodbye to your dream of becoming rich and financially independent.

“The greatest victory is victory over yourself.” Cicero

9. Change your mindset

The thinking of a poor person is radically different from. Reconsider your outlook on life. Learn to think not like a poor person, but like a rich person. Communicate more with successful and prosperous people. Learn from them. Find a mentor and learn from their experience. And then success, luck and wealth will not keep you waiting long.

10. Patience

We all know the proverb “Patience and work will grind everything down” from childhood. In terms of money, you couldn't say better. Only colossal patience and a lot of work will help you achieve well-being and prosperity.

“Everything comes on time to those who know how to wait.”

Francois Rabelais

11. Start investing

Money should not lie under the mattress, it should work. Only through investing is it possible, which will make you a financially independent person over time. Big money is earned not at work, but in your free time.

In conclusion, we can say that becoming a rich person from scratch is quite possible. To achieve financial well-being, a person just needs to have more patience, acquire the necessary skills and spend a certain amount of time.

Also, you can express your opinion about the article in the comments. The MyRublik site will be very grateful to you.

If a person does not ask himself the question of how to become rich and successful, then he... and many may say: “Already rich.” In fact, people who have managed to build financial empires are constantly improving, looking for new ways to develop financially and increase their capital, and do not stop there. In smart books and professorial recommendations you can find a lot of useful things (and not very useful ones, to be honest), so I took on this mission and have already selected for you, my readers and partners, effective tips on how to become rich and how to do it today with with just a couple of steps.

Is it possible to achieve financial freedom and enjoy earning money while finding time to spend it and enjoy life? I will look for answers to these questions together with you, and in addition, I will talk about why you need to help people, dream, constantly learn, monitor your budget and get out of your comfort zone. About all this - right now.

Who doesn't dream of becoming rich and successful? It is unlikely that you will find many such people. However, such dreams come true, in best case scenario, one percent out of a hundred. Although everyone has this opportunity. Most of us continue to go to jobs we don't love. Receive a penny salary, the amount of which is so small that it is only enough for food, payment utilities and for rare purchases of something more substantial. And it’s impossible to break out of this “vicious circle”; every new day is similar to the previous one.

What prevents the majority from becoming successful, making money on the Internet, buying new cars and other luxury items, rather than looking for promotional items in supermarkets and buying things on sales? It is unlikely that this is a lack of certain knowledge, because among such people a large number have higher education, or even more than one. That is, people with intelligence.

Psychologists agree that such people have a similar way of thinking, which is absolutely different from the way of thinking of truly rich people. Besides, most of us are simply paralyzed by fear. We are afraid to do something new, unknown. What if it doesn’t work out, and society condemns each other, what if, what if, what if... And of course, doing their usual routine every day, such people do not have enough strength, time, or desire to develop and earn serious money.

However, even from scratch it is possible to achieve wealth and success. True, you will have to work, and work seriously. And you need to start with yourself, or rather with your worldview. Setting yourself a goal to become rich and a clear desire to achieve this goal is the first step towards future financial independence. In addition, there are 7 more tips that will help you earn the fortune you are striving for. So here they are.

Dream

Let me make a reservation: dreams alone will not give you anything without any action. Lying on the couch and dreaming of becoming rich, you will not earn a million. On the other hand, it is with a dream that the movement towards achieving a goal begins. First a dream, and then a clear plan to achieve it. It was the stories of popular people that often began with a dream to achieve their goal.

Value your time

Rich people's time is scheduled down to the minute. For them, “time is money” is not a proverb, but an immutable truth. Not every millionaire became rich in an hour; they all followed their own path for a long time. Therefore, you will also have to learn to think differently about wasted time. Time management for successful people is an objective necessity in order to have time to do what they have in mind. Therefore, before you think about how to make money, it would not hurt to think about what bad habits that consume your time you can give up.

Always learn

It's never too late to learn. To get the income you dream of, it wouldn’t hurt to find out how you can earn it. Investment in education is the most profitable investment. By learning new things, our brain generates ideas that can earn millions if we pay attention to them. Read business literature, watch films about business, study biographies of millionaires - and this will definitely bear fruit.

Keep an eye on your budget

Financial literacy and the ability to manage your budget are inherent in all millionaires. They don't need to explain the importance of it. And most of them learned to manage their budget long before they made their first million. This is the main factor that allows you to achieve success in everything. Do you want to be like them? Start keeping a family budget today, if you haven't already.

Find a source of passive income

Many millionaires believe that the path to wealth begins with acquiring a good source of passive income. Poor people work for money. For rich people, money works, bringing even more profit. Moreover, earning virtually no effort is required from them. Investing in a variety of assets that will bring passive income in the future is what your thoughts should be directed towards.

Help people

Rich people are quite open people who easily make contact with strangers. They are ready to offer their help, unless they begin to abuse it. Today you help - tomorrow they will help you, and you never know what benefit the person to whom you have come to the rescue can have. Therefore, make it a habit to selflessly help strangers.

Get out of your comfort zone

The comfort zone is the usual range of activities, responsibilities, communication, etc. We feel, as they say, “at ease,” but it is precisely this that is the most important obstacle to changing life for the better. Leaving your comfort zone is a stress that many people fear. You prefer to stay in your safe shell, at the cost of maintaining financial instability, debts and other “charms”. To make big money you will have to leave your comfort zone every day, so you need to start getting used to it.

What is wealth

To the question “What is wealth?”, as well as to the question “How to become rich?” There is no one-word answer. Of all the existing formulations, I really like what Kiyosaki calls wealth. He considers this the amount of time a person can live comfortably without working. This definition more accurately reflects wealth, since measuring it in money is quite subjective. For some, 1000 dollars is quite a decent amount, but for others, even a million is not enough.

A truly rich person can be called one who has a source of passive income that allows him to increase his wealth. In fact, the question “How to become a millionaire” has a fairly simple answer - to find your own path, which will allow you to increase your capital, which will one day cross the 1 million mark. And there are enough assets where you can invest your money. A modern investor can use several financial instruments. Big choice, and everyone will be able to choose something that suits only them, so they can forget what it’s like to live from paycheck to paycheck.

How to become rich in Russia

Before starting any new business, a person is naturally tormented by doubts. Will I be able to become rich? Will I succeed? If you don’t have rich parents or influential acquaintances, is it really possible to get rich in Russia? If there are no sources of passive income that allow you to live with dignity, what should you do? These concerns are understandable and there is nothing wrong with them. However, the answer is always the same - everything is possible, and hundreds of examples confirm this. Including in Russia. In fact, there is no difference in where you were born or where you earn money. Of course, the initial conditions in different countries are different, but there is always the opportunity to earn money if you work hard.

You need to do what you like. If you do something under duress or because “it’s the right way,” it will be difficult for you to motivate yourself to achieve the goals of this activity.
For everything that happened to you, is happening and will happen, only one person is responsible. It is you!
Set yourself only those goals that you are interested in achieving. If a goal is imposed on you from the outside (by parents, friends, acquaintances, etc.), there is a high probability that due to low motivation you will never achieve it.
Take it easy on money. There is no need to work for money, much less elevate it into a cult. Money is only a tool that allows you to achieve your goals, including wealth.
Break big goals into smaller tasks. This makes it easier to achieve even the most unattainable goal at first glance.
Plan your day. By giving up time-killing habits, you will be able to accomplish much more.
Keep moving forward. If you do nothing, you will get nothing. Therefore, it is better to make and make a mistake than to just sit still.
Alternate work and rest. If you work without rest, sooner or later you will become exhausted. Without full restoration of strength, normal work will not be possible.
Don't be lazy to study. By learning new things, you will be able to discover ways in which you can achieve your goals faster and easier. Therefore, do not forget about self-education.
Never give up. We need failures to understand that we are doing something wrong and to draw appropriate conclusions and make adjustments. Without them, we would never have become what we are now. From this point of view, failures are even more important than successes, because they give us invaluable life experience.

By following these simple tips, your path to financial independence will be simpler and easier. You can achieve true financial freedom - that is, when you no longer depend on money. Your income will significantly exceed your expenses, and you will forget about work forever. The main source of your income will be profit from investments in assets, that is, passive income. Do you want to live like this?

Of course, becoming rich and successful will not happen in one day. No matter what they tell you or promise you. One day is enough to decide to become like this. And even though there is a long and difficult path ahead to financial independence and success, you know why you need it, right? If yes, then we are on the same path and my blog is ready to provide you with all possible assistance in this.

Article about wealth, success, happiness and failures

How to become rich and successful in life?

IN Lately Various thoughts about money, happiness and success often appear in my head. After I once again caught myself thinking like this, I decided to devote an entire article to these topics. I think that the question of how to become rich and successful worries every blog reader. Actually, in search of solutions, I started blogging as a lazy investor in order to systematize and take into account own experience on the path to financial independence. In this post, as I already said, I will digress a little from investment topics and discuss the following issues:

Why do some people become rich and others don't?;
What is the “poor man's complex”?;
Why am I a lazy investor?;
How to become rich and successful while being lazy and without money?;

At the end of the article I will give advice (which I have already implemented in my life) from the most successful people on the planet.

How to become rich, successful and happy, and what prevents this?

I've been running this blog for over 6 years. All this time, I regularly publish reports on the results of my investments. Now the public investment portfolio is more than 1,000,000 rubles.

Especially for readers, I developed the Lazy Investor Course, in which I showed step by step how to put your personal finances in order and effectively invest your savings in dozens of assets. I recommend that every reader complete at least the first week of training (it's free).

What prevents most people from becoming rich and successful? In my opinion, in most cases, what prevents you from getting rich is the so-called “poor man’s complex,” which consists of three components:

worldview;
laziness and its denial;
life circumstances.

As a rule, it is not external forces that hinder success and well-being, but the internal state of a person. If he considers himself unworthy of a good life or simply a loser, then, most likely, he does nothing towards development. His life is built according to his efforts and faith. To put it simply: whoever believes in what gets it. So, let's figure out how to become a rich person, getting rid of the complex of a poor man and a loser.

Worldview

The vast majority of Russians were born in the USSR, and those who were born later were raised by immigrants from the USSR. In the Soviet Union, dislike for money was promoted in every possible way, and those who strived for luxury were branded with shame. Millions of people grew up with the idea that money is bad, and rich people are thieves and hucksters. Accordingly, how can one strive for wealth, being sure in the depths of one’s soul that being rich is bad?

But it's not that bad. A person is not made of wood and can change the attitudes received in childhood. Whether we like it or not, the process of changing views occurs constantly as we gain life experience. So why not consciously work on your attitudes towards attracting wealth into your life? How to become rich and successful from scratch? It seems to me that for most people, to start making changes, it is enough to change at least their appearance and image. For example, buy an expensive watch, a decent suit and good shoes. A person who looks good feels more confident and finds it easier to succeed in any situation.

However, limit yourself appearance not worth it. Pay attention to your internal development, try to constantly develop in an area that interests you. It wouldn’t hurt to study the biographies of famous rich and successful people, try to imitate their way of thinking and behavior. Regularly reading biographies of successful people led me to the thought: if I live like everyone else, I will never realize my dreams and goals. In order to get what you want from life, you need to regularly leave your comfort zone, breaking down the limiting attitudes that you cannot do something.

Laziness and lazy investor

Laziness is a very insidious and dangerous enemy that stands in the way of well-being and prosperity. Moreover, many people do not want to admit even to themselves that they are lazy. They come up with a lot of excuses: the authorities are to blame, the weather, their spouse, children, parents, anyone. Thus justifying his laziness, a person continues to lie on the couch and complain about fate. If you are serious about changing your life and practically learning how to become rich without money, then you need, first of all, to admit that until this day you have not succeeded because you simply did not put enough effort into it.

In addition to all of the above, I consider human laziness to be the engine of progress. If we talk about me, I started investing because I was too lazy to work, too lazy to get up for work at 7 am, too lazy to drive through 9-point traffic jams to work and sit in the office for 8 hours a day. Now in the country eternal summer However, I still work every day for 8-10 hours and am practically not lazy. We can draw the following conclusion: a person is lazy when he is not sufficiently interested in the result, or the process itself is not interesting. From this we can conclude that if you want to succeed, you need to:

Do something that interests you.

Ideally, find something you would be interested in doing 7 days a week, even if you weren't getting paid for it. Finding your favorite thing can only be done through trial and error.

The end result of the work should motivate.

If you suddenly succumb to laziness, think about why you want to succeed. Perhaps you would like to purchase new house, or an expensive car, or maybe you dream of committing trip around the world? There must be a dream that stimulates action.

External circumstances

Unfortunately, sometimes events happen in life that we cannot control. These can be personal circumstances, such as a serious illness or accident, or global ones, for example, the global financial crisis. We cannot go back in time and change the current course of events, but we have the opportunity to respond correctly to what is happening. I recommend everyone watch the video with Nick Vujicic, who was born without arms and legs, but did not give in to circumstances and became a “legend of motivation.” Not long ago, Nick had a son.

The size of a problem is determined by how we treat it. For one person, the loss of a permanent source of income may be a completely surmountable problem, but for another, a reprimand from management is a real disaster. In order to understand how to become rich and successful from scratch, you need to learn to take any turns of fate calmly. Each event can have both negative and positive sides; you just need to put aside your emotions and calmly analyze the situation. As I already wrote in the article about, any crisis is a time of new opportunities.

Having dealt with the main obstacles on the path to wealth, let's move on to advice from the richest people on the planet. I have highlighted the most effective, in my opinion, tips that really help increase your well-being.

1. Make plans

The vast majority of rich and successful people have clearly defined action plans for every day and for the future. It is much easier to work and go towards your goal when there is a detailed plan for achieving it. In addition, planning allows you to allocate your time and effort as efficiently as possible, which also contributes to efficiency.

If to achieve financial independence on this moment you need to be an employee, then so be it. However, as soon as you solve all your problems at this job, move on. You should not put the interests of the employer above your own. For him, you are, first of all, a tool for earning money, and that’s the only way he perceives you, regardless of the efforts you spend. First of all, focus on solving your problems, don’t forget about it.

3. Think positively

Always strive to keep your spirits high. It's not about smiling in public when you really want to scream. I'm talking about really maintaining harmony in the soul. To do this, you must have enough positive things in your life that by thinking about it, you can always cheer yourself up. This could be family and children, pets, hobbies and hobbies, anything as long as it effectively brings you back to life from a dull state.

4. Manage your money wisely

Imagine yourself rich and believe in yourself, enrich yourself and not others, do not tolerate a job you don’t like, and work towards your own dreams - Henry Ford, Robert Kiyosaki, Howard Schultz and others successful people share their experience of how they achieved wealth, Channel 24 reports.

Wealth comes not to those who earn a lot, but to those who know how to manage money correctly, says the advice of successful entrepreneurs who have reached high financial heights.

Tips from successful entrepreneurs

1. Henry Ford, American industrialist, inventor

The legendary industrialist, owner of car factories and inventor believed that you should always learn, regardless of age. He was constantly looking for new approaches and was not afraid of difficulties.

Money for Henry Ford was a source of acquiring new experience and knowledge. That is why he advised investing in yourself - this is the only way to achieve success.

Tips from Henry Ford:

1) If money is your hope for independence, you will never become independent. The only real guarantee a person can have in this world is his stock of knowledge, experience and opportunity.

2) The secret of success and wealth is the ability to understand other people as well as yourself. You need to learn to look at every business with your own and other people’s eyes. Different points of view will give one correct one.

3) Old people teach us that we need to save money, save until better times. This is very bad advice that should not be listened to. Invest everything in your development.

By the age of forty, Henry Ford had not saved a single dollar, but he had invested everything in further development.

2. Warren Buffett, American entrepreneur, investor

Warren Buffett is considered one of the largest investors. He began his triumphant ascent to the financial Olympus with 10 thousand dollars, when he founded an investment company in the 60s of the last century.

Today, the entrepreneur is one of the richest people in the world and a major philanthropist. The main secret to achieving long-term success, according to Buffett, is to adhere to certain principles and be patient and thrifty.

Advice from Warren Buffett

1) Buy only what you would be happy to own if the market were to close for ten years.

2) Constantly postponing the search for a good job and sitting in one that oppresses you is like putting off sex until retirement.

3) If you have a choice, it is much more important to say “no” than “yes”.

3. Robert Kiyosaki American businessman, writer

Kiyosaki was not always successful. He worked as a sales agent, then started his own business. But in the 80s he lost everything and, in his words, “began to consider himself a failure.” That is why one thought is often repeated in the lines of his book: to achieve success, you need to believe in yourself.

15 years after the failure, he and his partner founded the international educational company Rich Dad`s Organization, which taught business and investing. At age 47, Kiyosaki wrote the best-selling book Rich Dad Poor Dad. Now he is the author of almost three dozen books, and the value of his assets is estimated at $80 million.

Tips from Robert Kiyosaki:

1) First of all, you need to look at value, not price.

2) If you cannot see yourself as rich, you will never be able to become rich.

3) The word “impossible” blocks your potential, while the question “How can I do this?” makes your brain work at full capacity.

4) Save money - good advice for a poor or middle class person. This is bad advice for building wealth.

5) The key to wealth is the ability to make everything that is hard easy. After all, the purpose of business is to simplify life, not complicate it. And it is precisely the business that makes life as easy as possible that allows you to make the most money.

6) The most valuable asset is time. Most people cannot use it properly. They work hard to make the rich richer, but they don't work hard to make themselves rich.

4. Bodo Schaefer, financial advisor, writer

Schaefer is called the financial Mozart: he is considered one of the best practitioners in the field of time management and financial management. As a child, Schaefer promised himself to earn his first million by the age of 30.

At the age of 16, he set out to conquer the United States, then moved to Mexico. At the age of 26 he became completely bankrupt. But this did not break him. Schaefer found a teacher who helped him develop financial literacy and become successful. When he turned 30, he had actually already earned his million and could live on the interest on the accumulated funds. Today, Schaefer is the author of numerous books on finance and time management. For him, money is not an end in itself, but a means that helps buy time to achieve freedom, independence and happiness in life.

Tips from Bodo Schäfer

1) Wealth is not brought by the money you earn, but by the money you keep.

2) There are two ways to become happy: limit your needs, increase your capabilities. a wise man does both.

3) Money remains only with those who are ready for it.

4) We must do, not try. Anyone who wants to try is prepared to fail. Just trying is just justifying your failures in advance, forgiving them in advance. There is no attempt. Either you do something or you don't.

5) The more you train, the luckier you will be.

6) A person without faith in himself will not do anything, he has nothing, and he is nothing.

5. Mark Cuban, American entrepreneur, billionaire

The future entrepreneur grew up in a simple family, and carried out his first business operation at the age of 12. Mark sold trash bags to buy a pair of basketball shoes.

While in school, Cuban worked as a party planner, bartender, and dance instructor. To pay for college, he collected and sold stamps. He began his career as a bartender and salesman, and then created his own company selling software products. The entrepreneur's fortune is now estimated at $2.3 billion.

Tips from Mark Cuban

1) It is better to save money on personal expenses. Becoming a smart shopper is the first step to being rich.

2) It doesn't matter how you live. It doesn't matter what car you drive. It doesn't matter how you dress. The more you think about money, the harder it is for you to focus on your goals. The cheaper you can live, the more options you have.

3) The point is not about money or connections. The key is your willingness to do better and learn more than others. If you don't succeed, then you need to learn from it and do better next time.

6. Howard Schultz, American businessman, head of Starbucks

Schultz was born into a simple family in Brooklyn. After graduating from college and working for several companies, he got a job at Starbucks. They say that Howard persuaded the owners of the company to give him the position of CEO for a small salary, only because he believed that he could achieve amazing success. Today, Starbucks is one of the most famous coffee chains in the world, and Schultz's fortune is estimated at $2.9 billion. He treats business as an important mission worth dreaming about.

Tips from Howard Schultz:

1) By dreaming about something small, you will never achieve success in big things.

2) If you say you never had a chance, maybe you just didn't take advantage of it.

3) Failure may well catch you by surprise, but luck comes only to those who plan for it.

4) Great achievements do not happen by accident.

The authors of the bestseller 20 years ago began researching how people become rich. Stanley and Danko traveled almost all over the United States and came to an unexpected conclusion: many of those who live in expensive houses and have luxury cars are not rich at all. In their opinion, financial achievements are rarely a consequence of character, inheritance, academic degrees and even intelligence. Much more often, wealth is the result of hard work, planning and self-discipline, the authors of the book say.

Tips from Thomas Stanley and William Danko:

1) Wealth and income are different things. If you earn a lot and at the same time spend everything you get, you are not getting rich, but simply living freely. Wealth is something you accumulate, not spend.

2) What three words describe the rich? Thrift, thrift and once again thrift.

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 the car and use it 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 whether you really need the most 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 will accept 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 take at least one from the book new idea, which will inspire you, then you have not wasted your money.

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 ones 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 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 banking system. If you still want to use 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 is the money from extra work 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 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 in precious metals there is nothing special - they are 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 really 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.