From the desk of T. Harv Eker
Hi Don,
부자는 하늘이 낸다고 했다. 하루 한 끼를 먹고 사는 거야 내 힘으로 가능하나 8,5000,000짜리 변기를 타고 내가 원하는 시간에 자신이 가고 싶은 곳으로 자가용 비행기로 세계를 여행하는 것은 거의 불가능에 가깝다. 집안농장에다 700,000,000원을 넣어두고 사는 것 역시도 내 노력으로는 거의 불능이다. 다만 그런 액수 그 엄청난 금액들이 스스로 들어 오도록 쌓여져 나가도록 돈을 자금을 재력을 풀어 놓아야 한다.
돈이 돈을 불러 들이도록, 돈이 돈을 내 은행으로 내 기업으로 보내도록 해야 한다. "뭐야, 그걿 누가 모르나. 안다고 다만 돈이 없을 뿐이라고" 과연 그럴까 지금 당신은 거짓말을 하고 있다. 주머니를 까라 1,000원인가 10,000인가 어찌되었든 그대에겐 지금 돈이 있다. 액수를 얘기한ㄴ 것이 아니다. 지금 있는 1,000 혹은 10,0000을 과리하지 못한다면 그댄 1,000,000원 고사하고 100,000원도 다스릴 능력리 없다고 봐야 할 것이다. 액수가 문제가 아니다. 지금 있는 그 금액을 제대로 관리하라, ㄷ그 돈이 다른 돈을 불러 들일 것이다. 이는 자연의 법칙 인력의법칙 중력의법칙이다. 있는 액수를 관리하지 못하면 있는 그 꼴란 액수의 돈도 그대를 버린다, 그대를 떠난다, 더 잘 관리할 줄 아는 그대와 가까운 사람에게로,
최소한 한 종류의 경제관련 매체를 반려자로 삼아라. 돈이 수동적으로 들어오는 해결책을 찾아라, 능동적으로 돈을 찾는 것은 라면인생이다. 부동산 투자처를 가다리지 마라. 구입하고 투자하고 기다려라
Do you work hard for your money? Or does your money work hard for you?
The way you answer that question may very well be the reason you're either poor or rich.
Go to any country club or high-end resort. Are the members there working hard? Of course, you could drop into an old, disempowering wealth file and say "Those rich jerks are just lucky." Or you could study the way they got rich and follow their example.
What's their example? They knew how to make the dollars from their hard work, work for them. They learned how to work hard for a while so they could have the ability to work smart. In other words, the more your money works, the less you will have to work.
This is the Wealth File we'll be covering this month.
We'll begin in a moment. But first I want to remind you of something before we get started: please be kind to yourself.
You're learning new mental habits. You may slip back into your old thought habits from time to time. That's OK.
In fact, it's great if you catch yourself thinking in the old ways. Simply congratulate yourself for catching yourself, simply say to that old voice "Cancel, cancel. Thank you for sharing." And replace the old thought habit with this new, millionaire thought habit.
The concepts – the new files – you're learning are simple but very profound. They make real changes for real people in the real world.
Just remember it's imperative you put each file into action as quickly as possible so that the knowledge can move to a physical, cellular level. That way, it can create lasting and permanent change.
So Here is Millionaire Mind Action Steps #18
Wealth File #15 Rich people have their money work hard for them.
Poor people have to work hard for their money.
Most of us were programmed with the belief that you "have to work hard for your money." Chances are good that you didn't grow up with the conditioning that it's just as important to make your money "work hard for you."
No question hard work is important. But hard work alone won't make you rich. Millions, no – billions – of people around the world work hard every day just to survive. Are they all rich? Are most rich? No. Most are broke or close to it.
Now once again, look at the country clubs, yacht clubs and polo clubs. They got there by hard work, of course. But they also learned a while ago that to get rich you have to work smart. That means taking the money you earned by working hard and it to work for you.
Rich people understand that the more your money works, the less you'll have to work.
Another problem most people have is they don't have a clue as to what it takes to win. What's your goal? How do you know when you've won? At the Millionaire Mind Intensive seminar, the goal of the money game we teach is "never have to work again unless you choose to." In other words, the goal is to become "financially free" as quickly as possible.
That is, to earn enough passive income to pay for your desired lifestyle. In other words, you'll become financially free when your passive income exceeds your expenses.
I've identified two primary sources of passive income:
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Money working for you. This includes stocks, bonds, T-bills, money market funds, mutual funds, mortgages and other assets that appreciate in value and can be liquidated for cash.
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Business working for you. This is a business where you do not need to be personally involved for that business to operate and yield an income. It includes rental real estate, royalties from books, music or software, licensing, franchising, storage units, vending machines and network marketing.
Unfortunately, most people have a tough time creating passive income. Why? There are three reasons, all have to do with conditioning:
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Most of us were actually programmed NOT to earn passive income. We were told to go out and get a JOB. But were you ever told to go out and earn passive income? Probably not.
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Most of us were never taught HOW to earn passive income. We certainly didn't learn it in school. We learned about the War of 1812, Metalworking, Typing and Home Economics. But passive income?
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We never gave it that much attention. Most of us have focused our career and business choices on generating working income. If you understood from an early age how important it is to create a passive income, wouldn't you reconsider some of those career choices?
But at the Millionaire Mind Intensive, we use experiential techniques to actually change your money blueprint. You'll walk out with a blueprint that makes earning a massive passive income normal and natural.
The point is, rich people think long-term. They balance their spending on enjoyment today with investing for freedom tomorrow. Poor people think short term. They run their lives by immediate gratification.
Poor people work to earn money to live today; rich people work to pay for their investments, which will pay for their future.
Rich people buy assets that will likely go up in value. For instance, they collect real estate. Poor people collect bills.
Poor people see a dollar as something to trade for something they want right now. Rich people see every dollar as a "seed" that can be planted to earn a hundred more dollars, which can then be replanted to earn a hundred more dollars, which can be replanted to earn a thousand more dollars and so on.
Personally, I consider each one of my dollars to be an investment "soldier," and their mission is "freedom." Needless to say, I'm careful with my "freedom fighters" and don't get rid of them quickly or easily.
It all comes down to this: poor people work hard and spend all their money, which results in their having to work hard forever. Rich people work hard, save, and then invest their money so they never have to work hard again.
Action #1 Get educated. Take investment seminars. Read at least one investment book a month. Read magazines such as Money, Forbes, Barron's and the Wall Street Journal. Not necessarily for their advice. But to get familiar with what financial options are out there. Then choose an arena to become an expert and begin investing in that area.
Action #2 Change your focus from "active" to "passive" income. List at least three specific strategies you could use to create income without working, in either the business or investment field. Begin researching and take action on those strategies.
Action #3 Don't wait to buy real estate. Buy real estate and wait.
Action #4-Declaration Put your hand on your heart and say,
"My money works hard for me and makes me more and more money."
Touch your head and say... "I have a millionaire mind."
Good job. Now practice this principle over the next 30 days and watch your mind, thoughts and financial life transform.
I'll be sending you another Action Step reminder in 30 days.
For your freedom,
T. Harv Eker