Get out of the greenhouse where frogs are boiled in warm water, embrace challenges and changes, strike while the iron is hot, continue to meet greater challenges, and force yourself to grow rapidly

It is more important to prevent problems than to solve them

Ask the right questions: Can I do this? Change it to Should I do it? How do I do this? This will motivate you to find ways to achieve your goals

Not taking responsibility may be comfortable for a while, but the price is extremely high. If you muddle along, you will become a victim of poverty and elimination.

Take responsibility to improve your financial situation

Be dissatisfied with your current situation and take action

The expected results did not appear, and I realized that action was not enough

The skills I learned helped, and I really applied what I learned

Think carefully about your values ​​and look at the world and money in a positive and objective way

Bring about huge changes by changing your own perception

Miracles happen because we work hard for them

Going fishing helps you master skills

Become a character and let others approach you

Continuously learn and grow to become the best version of yourself

All good luck comes from prepared efforts

The components of good luck: storing capital, recognizing opportunities, deciding and acting decisively

We need to make a dream album, carry everything we desire in the form of pictures, read it frequently, stimulate ourselves, and guide ourselves to strive for it.

Set a big goal for yourself, because the goal is too long-term, so that you can always have hope, see more possibilities for the goal, and make timely adjustments. If you set small goals that are too limited, you will give up because of the difficulties you encounter.

Rich people will deliberately introduce themselves into situations where wealth is necessary and then pursue wealth

Make your wealth goals public and allow yourself to bear the pressure of public expectations. There is no turning back.

Set limits for yourself and never give up

People who ask how, they are looking for the path they will take now and in the future. People who ask why, they are looking for excuses

Never let others take responsibility for you, live the life you want, and control everything yourself.

abandon all excuses

Think of 110% as your goal, then you will feel easier if you achieve 100%

Find a role model worth learning from

Learn the essence of their experience and avoid detours

Allow them to put pressure on themselves, inspire motivation, and monitor progress

Molecule your own strengths and weaknesses, and focus on your own strengths. Don’t spend too much time and energy focusing on eliminating your own weaknesses, and outsource your weaknesses to professionals.

Give full play to and strengthen your own advantages and values, and rely on them to gain wealth

health, family, time

Learn to meditate and calm your mind

Only people with financial freedom and a prosperous life can spare time and energy to find themselves, explore truth and the meaning of life.

If you don't do it, it will be very painful. If you do it, you will be extremely happy. The goal is a necessity. If you don't achieve it, it will be very painful.

Stupid debt: consumer debt (car, furniture, TV, travel, etc.) that has no advantages, only disadvantages and leaves you with no incentive to pay it back

Debt is usually caused by wanting to avoid immediate pain or enjoy immediate happiness. However, temporary satisfaction brings long-term debt accumulation and endless troubles in the future.

Redefine pain and pleasure

Tips for eliminating debt

Attitude towards debt

Follow the Five-Five Principle

Develop and maintain self-discipline

30% is better than nothing, negotiate repayment installments and start saving money

Don't be affected by debt. You can set your goals higher so that you will be more motivated.

Keep distance from your situation, don’t be too anxious or take it too seriously

Competencies: Where are you in your professional field? Continue to study and learn from better people

Energy: How much energy are you prepared to and actually put into your professional skills? How enthusiastic is it? Keep your energy high

Reach/Visibility: How broad is your product and audience? Take the initiative to promote and market yourself through various channels

Self-promotion: What are your sales skills and confidence level? To improve self-evaluation and gain trust from others

Creativity: Are you open to new things, trying new ways to achieve goals, and being flexible? Record your inspiration immediately and put it into practice

Product value, knowledge value, service value, creative value

Know how to ask for rewards and affirm your own value

Give up delegating power to things that everyone else can do and focus on activities with high income and high value.

Be a money-making machine. The more you earn, the more you spend. You have to keep working in a cycle, which is not called rich.

Owning a money-making machine, saving money, and relying on interest income without having to work is called wealth.

Balance work with rest, read more and study more, and avoid detours

There is nothing harder in the world than pushing a stopped train, so you can slow down, but never stop.

No matter how much money you make, if you spend it without saving, you essentially have nothing.

Non-essential expenditures are not necessary in nature, so don’t justify your consumption behavior by saying you must buy it.

Frugality is the foundation of wealth. Don’t spend anything you shouldn’t, and put aside your dignity and vanity. Save, invest, keep saving, keep investing

Learn to be smart about frugality: using an appliance that often costs money to repair is better than buying a new one

Think of savings as paying yourself and paying yourself a salary

In fact, there is not much difference between using 90% and 100%, so save the other 10% that is not enough to make you think about it, and use it to raise geese to increase interest income.

Reasons for the failure of savings: spending over the standard, only savings at the end of the monthly money

Change your beliefs and concepts about saving, treat saving correctly, and implement

Learn investment knowledge, choose savings investments with high interest rates, and learn to diversify your investments

Time: The sooner you save and invest, the greater the amount, the more compound interest, and the less pressure you have to save every month, and the sooner you can achieve financial freedom.

Profit rate: The level of profit rate is very important. The income gap will be very large. The less time you have and the later you save, the more you should choose a high profit rate.

Investment: The more money you invest, the greater the compound interest and the shorter the investment time.

Plan your taxes legally and save taxes

Be familiar with investment rules and interest rates

Have a money-making machine: a goose that lays golden eggs

Speculation: No money is made when buying, but money is made when selling (real estate investment, stocks and funds), high risk in economic crisis

Investment: Start making money when you buy it, and keep making money (invest in real estate, start a company), put in a lot of energy, and get big returns in the economic crisis

Understand when to invest, when to speculate, the best times to buy and sell

Liabilities: Funds are far away from you (buying a car, buying a home, you have to spend money after buying it, even if the mortgage is paid off, you still have to pay property fees, etc.)

Investment: Money flows to you (raising geese to lay eggs)

When a home buyer buys a house, it is an investment for the bank, because from the time of sale, the bank begins to charge interest from the home buyer.

You can invest first and get additional investment income before buying a house.

Monetary assets: invest money with money (safer, simpler)

Tangible assets: real estate, shares, stocks, funds (high investment risks, high returns, complex professions)

Gambling: It is also a kind of investment, with high risk and high randomness. It is not recommended.

If you want high returns, you must know more, learn more, dare to take risks, losses and failures, dare to try new things, and know how to identify investment opportunities.

There is a high value of tangible assets, and it appreciates with the inflation (increased price). Monetary assets cannot run inflation, currency will depreciate with inflation, and half of the year will depreciate half of each year.

Invest part of the funds in monetary assets (time deposits, currencies, funds, bonds). The other half of the funds is used for investment in tangible assets (real estate, companies)