You want to have the emotion
psychological strength is that's gonna carry you through when the mechanics are boring or frustrating or when things aren't working out your emotion your
Psychologies will carry you it'll get you to keep doing it
Everyone knows if you've done any studies dr. Seligman very famous for doing studies on optimism and in those studies you really found out
People that are pessimists are much more realistic
They're much more accurate if you give them a test and you ask them to look at something and give you a size
measurement of it or to evaluate their own success or failure at a task and
Every study Seligman's Donny due to the University I think Pennsylvania for member correctly originally what he found was that
Optimists always see themselves as doing better than they really did they'd basically be ask themselves
What happens the pessimist there are ten times more accurate?
But here's what he found out
When he found out is because the people who are accurate
Never pushed themselves because they know it's never going to work anyway whereas the optimist sees it better than it is
So they keep doing it because they have the illusion they did well. We'll all do even better next time and
Because that optimism they did it more often and so optimists succeed and a four to five fall depending upon the task result ultimately
beyond anything that a pessimists will do and they're not as accurate all that's a big way of saying is if you can develop a
psychology of resilience in yourself you don't have to be
Optimistic or fake you can be real the realness is whatever shows up
You are larger than anything that can happen to you. You are larger than any financial challenge
You could ever face who here's gone through a very tough financial time well
You didn't know how you're gonna pull it off, but eventually you did how many tons before say ah?
How many how this happened more than once in your life say? Ah?
Then the true history could guide you to know you can get through this and not let you be overwhelmed by the moment
But also the gratitude can put you in that sense of wealth so genes are wealthy whenever I bring friends
They're you know we have 325 acres and three miles of ocean frontage
It's unbelievable
but you go up these two villages and my friends initially will say well look at their houses look at their homes and
They don't really have electricity they don't have this, but they don't feel poor
It's your identity
The way you define the wealth determines whether you're wealthy enough
So are there enough things for you knowing the two thirds the planet lives on $2 a day
That you could get yourself to really feel grateful. Yes or no
How much of your life do you get benefits from today that you never had to create?
Think about I guess have to rode you ride on the library the books you didn't have to write
All right the internet that you can access in seconds and get answers just about anything
The people in your life, you didn't have to raise but are there for you
Think about all the different aspects of your life if you want to be wealthy all you have to do is associate
So before we do the financial part because financial independence is different than wealth
Wealth is that State of Mind financial dependence is being net position. We don't ever have to work again
That if you work you do it because you really
Want to now give you a clue if you get financially dependent, you don't work. You'll be miserable I
Can't tell you how many friends I have a solder company made fifty million dollars one man made almost a billion dollars
And was really excited for a while, but after a while it was like bored
His vehicle of his business gave him a sense of
contribution, and he was always growing figuring how to solve problems and yet all the people he was connected to in the business all the
Employees and friends and associates and he was significant because he was doing something worthwhile
And he had tremendous certainty because he knew the business and also variety because it's always changing and then they had this money
So the real secret is to be financially free to be financially independent. You want to get will you never have to work again?
But you did
Because you want to that's when life gets very cool when you don't have to work
but you want to you have to work harder I
Enjoy my life that I don't have to work
That's one of the most killer experiences of life, so I want to tell you. I'm not just saying this as some little
Positive thinking technique. I'm telling you
This is the secret the real secret to shift it inside of you and to add the real value
most people are trying to pursue something in the future that they already have I
Want you to think of what it is you think you want that will make you wealthier financially free
Tell me what it is you want from financial freedom
How will you know when you're wealthy
Anyone tell me raise your head, how will you know when you're truly wealthy?
How will you know when you're financially free? Yes, ma'am right here when my husband is no longer
stressed about financials
Finances that's when you'll be financially free right then you're probably never going to be free
I know that I need to find out for me
What that definition is
And then
he will
Well like Guardian will you I will I guide him to find his own definition well
Here's what's interesting first of all has she defined this game in a way, she has control over yes or no
So the chances of her feeling truly financially free or wealthy are
Slim to none cuz could they make have you made more money have the long have you been together you and husband
33 years 33 years Wow
By the way
Do you love him I love him so much. I love you. Yes. Are you a rich woman?
I am the most wealthy woman in the world give her half about the first RFA's ago
Now notice
if she
Associate to that part of her wealth can she get to where she feels rich yes or no
And by the way from that place. She could look at him in a different way and say
Isn't it amazing that I have a man that cares so deeply for us
That he really wants to make sure we're always doing well in this area and all his worry is as a way of trying to
Demonstrate that he wants to take care of me and love me and take care of our family, and how lucky am I?
How incredibly rich am I to have a man that cares that much?
Would that be a different meaning?
Yes, or no would it feel different, but if her view is that he has to give up his worry
She can't control him number one number two
He may think that worry is the way to demonstrate love to himself and other people and you can get financially free
by defining the game in a winnable way a
Certain amount of money that we meet and that covers what we're gonna call financial security
Which might be your housing your cars your food and basic entertainment?
How many would feel bridge if you didn't have to work if your investments alone the income from your investments the income?
Covered those four items your housing for the rest of your life
your food
Right your travel and some entertainment. I might think that would feel pretty good say I
And by the way that number is way smaller than what most of you think of when you think about being financially independent
Which is everything covered of that working, so why not get the first one down pat
And you know exactly what that number is for you, and what its gonna take for that number well
You don't have to work to meet it
then we could look at financial independence where you don't have to work and
Everything is covered. Then we go to financial freedom. You don't have to work and everything you can think of is covered
Anything you ever want to do for yourself or others
Those you want to get that's a different level isn't it and most people think of financial freedom they come with a gigantic number that
If you even figured out everything you want it's nowhere near as big as you think and because it's so big you never even start
the journey
And you don't think it's gonna happen so you talk about it you hope you'll get some big hits sometime with your business or something
But you never get going how many follow this AI?
So the first thing you got to do is shift from your wealth being to how he thinks and feels
And if you can do that then I give him the space
To be able to see your happy does that make sense giver began, thank you very much somebody else
How do you know how you know when you're wealthy when you're financially free somebody else
When I have
Enough money to keep everyone around me fulfilling their dreams
Okay, so when I have enough money to fulfill everyone dreams around me how many have learned that whenever people meet a dream
They usually create a new one
So that means basically you better never stop anything Yeah, right so you have to fill all of them
And why does it take that for you to be wealthy I?
Feel sometimes I'm I hate toward to use the word luck, but I feel like I'm luckier than those around me okay
So so guilt as part of your motivation. Yes, okay all that coming from guilt. That's an abundant place
So the truth is she can never be abundant because
She has a belief system side of her which is a limitation which says if I have more than others. There's something wrong
And many people have a thing where I have to give it all away
And she's not in their head
And that puts me more stressed than I get figure how to do it again
But the most powerful way we impact other people is we impact them by our example, so don't get me wrong
I mean, I think most you know I help feed millions of people each year approximately
Projects all over the world
I love what I get to do with my life big in the contribution gigantic not just with my words with my time not just
My money my time and energy
But I also have learned the balance I didn't know before cuz I used to think I earned love by giving everything yes
And if I have to give you something for you to love me, then we just made a trade
That's not love that's horse trading
Or there are more direct terms what that could be called
What do you call a person that only loves you if you give them something like money? Oh?
How dare you say?
But that's really what it is isn't it?
So if you make that shift you can also say if I try to make everybody else's dream happen
Then I get the joy of it like when I was a little kid
And I had no money whenever I went to lunch
I bought lunch or somebody you know I found a way I had if I we would lunch
I know anybody else buy it
And I did that into my early 20s because it's my way of feeling that I was a giver and not a taker
Which made me feel good about myself okay, but I had one time with the dinner with this very wealthy, man
He had ten times more money, but I'm gonna make sure I paid for it, and I still have that basic nature
But here's the balance of me now. I don't have to cuz what Apple is this guy grab my wrist
He took the check from he said are you gonna cheat me of the joy? I'm gonna have a buying you lunch
He said are you that selfish?
He got my full attention so it's still I don't think that pattern of being a giver is gonna leave in you
I don't think it's a bad pattern gets out of balance
So she can't be wealthy as long as it's a trade right if you're coming from abundance
Not guilt, and you're saying wow I've got abundance in there are people that I could help make a difference here
Let me help this person up that person not cuz you have to cuz you want to
Then you're rich does that make sense?
Give her began. Thank you very much
How about show them right here? Yes, sir right here. Yes, sir come here yeah, man
Well for me the financial freedom would be when I have
Reached a point where I would be somebody that I would look up to in this this area the financial area
Okay, a role model. Okay, so I got a question for you. Are you right now role model for somebody else
Mm-hmm
Possibly yes, could you be that could be yes? Yes, so you've already achieved it, but you're still not wealthy well
I'm not my role model, but would you be the role model you would have had years ago
would you be an example of what years ago you would hope for not even more no, I I'm
financially
Not in other areas of my life definitely. Okay. That's fair
So what are you saying is my?
Definition is it has to be something's that somebody looks up to in other words?
I need to be significant as the need he wants in
Financial terms and other people's eyes, and if you were significant in other people's eyes. What will that do for you?
Well you know as in my eyes somebody that I would look somebody that but we're not an example
But when you get there, you won't look to yourself anymore when you get there
You'll just be in a different level then you'll be trying to figure some other level of what you need to get to so you
would respect yourself
It's good polite
He always makes good points you notice that
So what you're doing is here's the game you're playing. I want all of you to hear this
No amount of money will ever make you wealthy
Because as soon as you get there you will raise the game now
Here's what's great about that to continue growing in all areas of life if you could grow emotionally should you yes or no?
If you could give more should you yes or no?
Yeah
If you grow intellectually should you yeah if you get more love should you if you could grow more financially should you?
Yes, because growth is life, but having to grow in order to feel significant enough means you will always be poor
It's a game than ever ends, so here's the story listen carefully
There is this great king
He perceives himself to want to be greater than all of the Kings because he wants to do good
So he doesn't want one Kingdom many Kings have one Kingdom he wants to
That's right, two kingdoms two palaces. You know after all you need couple locations to be able moved it
So he builds the second Kingdom and for a while
He's pretty excited about a week or month
And so everybody comes and sees his second palace and they go that's really cool
You have two palaces you're unbelievable because yes, I am a role model for myself
But it doesn't seem to last because after a while he thinks
Maybe I need a third Kingdom
And I've been to both those. Let's get kind of boring and I mean well now. What do I do?
I got two kingdoms, and that's a lot of work to keep getting things going
But he doesn't noticed that he doesn't notice he doesn't have as much time everything else is just like busy doing the kingdom thing
And in one day he gets the answer he hears about this amazing monk
this monk
Wears a loincloth he has a blanket and he goes from city to city and just shares
What he believes about God and happiness?
And life and people gather around and most people pass him on the street. This is kind of dirty doesn't he sleeps on the street
At all he asks is his blanket
and he leads who the people give him because he always just adding value so he doesn't worry people give him things and
He eats and does well. He has no fear
He perceives himself to be a very wealthy man he has one item he just loves it was given family
It's a little lamp like kind of like a Ladin's lamp
It keeps it me can light it, so if he needs a little heat or a little light to read at night
he can light a lamp and
the King hears
That if you rub this lamp and you ask it for something
Unlike Aladdin's lamp or it gives it to you. It gives you twice as much as you've asked for and
the King gets excited one Kingdom he comes to
He says bring me this man
He's a beggar. He doesn't need the lamp. He goes around and begs first food. He lives on the street
Why should he have to carry such a lamp I can do so much more with it
I could be a role model for myself and others I
Could be significant
and so what does he do he calls and he asks and sure enough you know the monk comes he's a traveling monk and
What else you gonna do the King says come you come and he comes any vows to the King?
You are such an amazing role model
You're amazing what you've built these two palaces they're experiment if it's that they're amazing
I'm so grateful to be here. I don't even belong in your presence
And the King says no no I'm very fascinated by you you travel from place to place
You don't have one place. You just stay there's no I travel meet people and how do you survive?
I love people and share ideas and people tend to share with me when you love. You know you tend to do okay?
You have nothing but I understand your loincloth and a blanket and anything else oh
Yes, I have this lamp that was given to me by my family, it's just really beautiful. I love it
It's not you know that valuable but it's just to me. It's valuable because it was a gift and it's beautiful. He says well
That's a rather large lamp for you have to carry around you know
I have some jewel encrusted lamps that are much smaller and lighter you could walk with them much easier
It wouldn't be much of less of a burden on your back to have to carry this lamp
He's oh no. It's no bird. It's very light. He goes no
No, I really want to give you something much nicer, and he said, please give me your lamp, and he says well, sir
He said please he said I'm so honored to be here with you, but this is a personal gift
And I value it not beyond money or what it does or even the heat or anything. It'll do
I just value it because of the gift of what it represents
He said I really would like your lamp. He said sir, I would never deny you anything
But I must have integrity with my own relationships, and I must go
Any boughs and leaves before the king can respond and the king goes into a rage?
How dare he deny me what I want how dare he take away something that could give me twice as much of
Even what I'm asking for think of the role model. I could be think of the good I could do and demonstrate
He doesn't need that he's poor. He doesn't even ask it for anything if he would he'd have two blankets
Cooling cloths, and what would that do what that change the world no
I need the lamp and he whips himself into a frenzy. He turns to his henchman and says take the lamp from him
and so they go and they find him in an alley and they beat him up, and they steal his lamp and
now
The King is so excited. He tells everyone to leave he steps into this giant palace bedroom. Which is bigger than most people's entire Palace?
And he sits down and he rubs the lamp and he says oh great lamp
give me a hundred pieces of gold and
a lamp says oh great king
Absolutely, but why a hundred pieces why not 200 pieces Eagles yes?
It's true
He's just fine give me 200 pieces of gold. He said Oh King
Why 200 when a king of your nature could have 400 pieces of gold?
The King says fine, give me a thousand pieces of gold why not 2,000 King
Fine 10,000 why settle for 10,000 King why not 20,000 a king such a few with two palaces should have at least
10,000 fine give me 10,000 one hat 20,000
Fine give me a hundred of the most beautiful women in the world why not two hundred it will keep you busy
And this goes on for hours and hours throughout the night and the King gets further
Forevermore and when tensing the lamp keeps expanding his point of view and he keeps thinking my god
I'm thinking so small he has bigger and bigger and this goes on for three days and nights
He bars the doors with anyone in just him and his lamp
Hey starve to death and dies
I'm sorry
I get I guess hello. I
Guess really what it amounts to is
Being able to to contribute and help an influence yes in a positive way in somebody's life
But I want to take you away as waiting to become wealthy
Because other people right now in this world if I took you to Africa if I took you to
Part plenty of parts of this country on the streets of many of these cities
oh I took it down the street here to San Francisco in the Tenderloin district
Are there someone there that right now? You could mentor and could change their life
Financially as well as emotionally psychologically and physically without you already know beyond anything. They could imagine yes or no
Yes, then don't wait to be wealthy
Start rich, and then get financially free as well
By the way
Is this making sense do you see why I'm so intense about this
cuz I don't want you to go through and get more money and
Have plenty of money and still not be happy still not be fulfilled until you define the game and winnable ways you never win
And you chase it, and you die chasing it
That is not to say you shouldn't take your life to a whole nother level
Financially have greater choices and greater ways to give gifts, but don't wait
and if you don't wait if you can own that you're already wealthy I
Can promise you you'll get to a level of riches financially ten times faster than with the identity you have of limitation
Does that make sense that's the essence of what I'm talking about here, let's talk about money now
not wealth, we do agree all those wealth in this room right now say I
And if you really done what we have you're not just saying that at some
Verbalization you can really feel it you can feel abundant you can feel wealthy from that place
What does it take mechanically to get this thing called financial independence?
And what does financial independence as opposed to wealth wealth is a product of the mind?
Again, no amount of money you ever achieve will make you wealthy
Gratitude will and living a life where you know you're contributing adding value will that's what's gonna
Make you feel wealthy where you're a giver not a taker that just mean you can't receive
But someone who's always looking at what am I getting out of every single thing they do is
always poor because they live in scarcity, but if you want to be financially independent, that's different financial dependent means you never have to
Work again in order to live your life that when you do work. You're doing it because you really want
To not because you have to how many committed. I'm not only being wealthy, but also financially independent say
How do we get there let me give you the lesson how to get there?
It is so simple that when I tell you're gonna. Go. Thank you for the breakthrough you thought
But even though you may know this intellectually you whether you're sophisticated or not you probably know this
Focusing on. This is the difference
Can you be a person who is honest in your values and not be honest in the moment yes or no
Can you be a loving person but not be loving in this moment yes, or now why because whenever you focus on?
We're focused goes energy flows
So I don't care how sophisticated you are unsophisticated if you put focus and what we're gonna put in front of you right now
Even if you knew it before you may not cognitively we have a linked enough emotion to be doing it consistently
Or if you are and you're here you obviously want to do it more and better and what we're talking about right now is
Financial wealth not just wealth as it says as an emotion as a sense if you want to be financially independent
The formula for financial dependence is so simple
And you can't achieve financial abundance unless you really learn to apply this not just in a concept you had but consistently in your life
And that formulas simple spend less than you what?
You know thank you for the break to your thought Tony
But is this what most people do yes or no. No, what do most people spend
More than they earn
There's no way around this. No how much money you have if you spend more than you earn you got a challenge
So there's no way to be financially free
Financially independent without spending less than you earn, and what do you got to do with what you don't spend?
You gotta invest the difference
Because what I want to show you right now is how do you build?
What everybody should own every one of you should leave here with your own personal money machine?
You want to create a money machine a machine that while you're sleeping is making you money
Right so you're no longer trading the most valuable resource you have in life your time for money you want to trade money for money
You want money to go to work you want to put that money to work for you, so while you're sleeping
It's making a difference you want to create a machine and that machine you want to create
It's something you want to be able to feed you at some stage. Well. You don't have to work
That's what the money machine is and so how do you do that first step?
Spend less than you earn and invest the difference in our question
How many of you currently are spending more than you earn be honest raise your hand?
How many are spending less than you earn raise your hand?
Fantastic now if you spend less than you earn
But you don't invest that you're not gonna get much out. You know most of you say well
I do invest a portion of that some I spend more
I do some new spending, but I do invest a portion of it the second secret to this is you got to reinvest?
How many if you've ever made a big hit in your investments and went oh my god?
That's so cool, and took the money and spent it on something raise your hands say
Come on. Say aye. I know you all anybody's invested has done. This if you gotta bake eight yes
Is it nothing wrong with that but you got to make sure it's significant about that you reinvest your returns so you get compounded what?
Compounded growth is the most basic principle in the world we all know it intellectually
But are you emotionally associated enough that you're really utilizing it to its maximum capability if you don't you're not gonna get financially free
You will never get financially independent by your earnings alone. Let me tell you something. There's three or four heirs your life
You don't want to go an expert
You don't want an expert to make the decision expert can coach you
But you better make the decision one is how you raise your kids I?
Mean if you gotta screw up you should be the screw up not somebody else in this area
Because at least if you screw up
You know you gave your all and if you screw up. You'll learn from your screw up, and you can still make a difference
But letting someone else tell you how to raise your children is insane to think that they know more than you do with your own
Child your own the soul you brought to this world they can go to you can learn through them
But you got to make those decisions
What's another area like that your physical health?
If you don't learn this area because you think it's too complex
I'm gonna give this decision to somebody else that's somebody else being a B totally sincere and sincerely wrong
I'm not lecturing you what to do
I'm just saying whatever you gonna do inform yourself
To make the decision because someone else making that decision the consequences are too great for your children for your health
And I'll tell you another area is really important your psychology having someone else give you a label. Tell you what to do
Same thing with you know you're gonna. End up with some challenge in your body same thing and the last area there
I'm talking about here is money
Because what most people do is like I don't have time for this
I don't stand this I need to go to an expert cuz I'm not here to sell you some financial investment or plan
because if I did that I'd have a self interest the process that's not gonna serve you and
That doesn't mean someone can't sell you something it just means I'm coming here to advise you on how to make better decisions
Not tell you you should do this individual thing because what individually need to do changes and by the way
Even if you have the best intent can you be wrong yes or no, so I'm not here as a registered investment advisor
I'm not here to sell you a stock or a bond
I'm here to teach you a way of evaluating so you can make better choices more of the time
Because when you get to the financial area when you meet somebody what's the old phrase when a person with experience?
And knowledge meets a person with money
What happens?
The person what the money ends up with experience and the person's experience ends up with the money
and
Even if the intent is purely positive if this person screws up
No
One is going to care about as much as your financial world as you
Know one no matter how much they care the maps are committed because it's your life
And if they make a mistake and they're sincere they get the learning
Which will make them better in the future?
But if you make the mistake and you have this concern you can have to learn it and there's valuable in that
Every one of you in this room is gonna lose money
Every one of you
There's no way the person
I work with on the top financial traders in the history of the world prop 10 in the history of the world is not even
Right half the time
How could you make billions of dollars you're not even right half the time not even 51% of the time
I'm gonna show you in a few moments
It's known as asset allocation
It's the way and that's just what you do
That's what's gonna shift this so first step spend less than you earn
And that's the difference second step reinvest it so you get compounded growth until you reach
the home run your money machine until you reach a critical mass a
critical mass of capital of investment capital
When you get to that critical mass and what determines the critical mass is how much you need for the lifestyle that you want
Once you get that critical mass what it provides for you is what you're investing for
Who knows no matter what and guess what you're doing? What are you really investing for whether you're investing in cars stocks bonds real estate
Financial instruments. What are you investing for?
They not fir-tree not investing for returns that illusion will keep you from getting to the endgame
If you're wealthy here's what makes you wealthy income
not assets
Assets you can buy an assets change in value all the time you need income
Some people are very wealthy on paper, but they have no liquid assets, and if something happens there in deep stuff
How many very been in this place by the way I'm curious
So you need income?
Ultimately you're trying to build a money machine if you invest and let's say an antique car you call it investing?
But you're never ever going to be willing to sell it it's not an invest it's an acquisition
How many followed I'm talking about here because what you're really doing is you're wanting this car
You're not wanting to ever make this build your critical mass that we have a money machine
So you don't have to work when you build your critical mass when you spend less than you earn
And that's the difference and then as you get compounded growth you reinvest for even more compounded growth which will walk you through
You're gonna. Eventually get an amount of money
That's enough that without working the interest on that money alone and secure environment
Will give you the income so you never have to work again
Then you have a money, which you how many be up for this process say
That's different, then you have X amount of assets on your net worth
Which by the way can change how fast how fast?
If the marketplace changes what they feel about real estate if they change what they feel about the companies you've invested in half asking all
That change how fast an art beat
The valuation of the dollar or the pound or the mark or the Euro or anything else can change how fast?
How many like the idea of building a money machine say I this is the only reason to invest
you invest for one reason so you have an income for life without working and
To do that you've got to build a critical mass of capital that the interest on it alone will give you that income and you
Get the life you want without working
And they want me to do that as do those first two steps spend less than you're an investment
Reinvest it t hit that critical mass and we're gonna show you ways to accelerate that make it happen
But the entire financial game in one paragraph or one thought so everybody here's goal is here's what you're saying
I am building a money machine
And its purpose is to give me income for life
Without working
Hallelujah
How do you feel hallelujah now what say
Now how to do that is actually a lot simpler than you think
We make things more complex than it really is you got to think of this as your target?
Now by the way
You know whether you're on the path of financial freedom or financial independence or not by can you answer are you doing the first part?
Why you spend less than you earn and are you investing it and are you doing the second part?
Are you reinvesting and getting compounded growth and?
Are you moving towards that critical mass that'll get you free and even know what that number is
If it's a general giant number, and you keep moving the number
You'll never get there
They have to define this is what it is so think of this as the bottom line in order to
Achieve what you want, will you have a money machine?
Here's what you must do you must pick out a minimum financial goal for yourself?
even then achieve your minimum financier goal you got to pick out a
Specific amount of money that you're gonna desk every month every year no matter. What a
specific percentage of your income
If you don't do that forget the rest this course so waste your time cuz you're gonna make a bunch of money
But you won't be practicing the fundamentals, and eventually you'll make a mistake and you'll lose it. How many fall
I'm talking about here say I
If you're gonna change things you really need to put yourself in a position where you say this is what I'm gonna invest
This percentage my income where you pay the investments first before you pay all the other bills
Because you can pay the investments first
And you keep doing it and Sapir discipline it by the way the best way to do this that I know of
Is to have that money taken straight out of your account as soon as it gets there?
And then even though you can do it automatically you can put in a money market and then decide where to put it
But it literally leaves your account the money. The money's transferred think about this success in life
comes from good judgment
When you make good decisions you do well in your relationships in your body
with your family and when your finances with everything how many agree with me on this say I
so if success in life comes from good judgment and good decisions good judgment often comes from
experience and
experience often comes from
bad judgment
The secret, that's why we come back to the 80% of psychology is when you make the mistake and you go
Oh my god, my numbers came down. I'm not making progress instead of throwing I could never get there
It's redoubling your efforts
And I'll give you some very often it helps to have a role model as this man pointed so I was with Michael Milken
Shortly after he got out of prison now Michael Milken was the junk bond dealer who made billions of dollars for himself and other people
During the 1980s he funded Ted Turner if Ted Turner's start
You know all kinds of companies in the 80s that really got their start all primarily because of this man Michael Milken
But he also did some things that put him in jail
By the way in jail how wealthy do you think he felt?
Not very now he's able to keep a significant amount of money. He paid fines
He gave up here to his wife, and he got out of jail and then he developed something called cancer
So what good's the money
So he's spent his life starting to figure how to change and even we had a lot of money
He felt like he was starting over in terms of his identity his respect in the community the way people look at him
So he began to try to figure how to do good works
But he was really feeling defeated till he met an interesting guy a guy named Carl eller
Because I asked him at the point
I was talking to Michael later on I had a lunch with him one time and he
Actually wanted to have me put one of my companies into his group and get a piece of it the deal wasn't the right deal
For me, and I was actually looking back on. It's been a long time
That was the right choice not to do with him though
He's a very bright man, but he had the experience and I had the company and the money
And I realized that they meant I worked out at least that particular investment
I thought it through and I made fortunately an intelligent choice
I didn't move forward, but when I got out of that meeting was worth more than the investment
We could have made together when I got out of that meeting was a role model that
I'd like to give you a nickel guides me and this man Carl eller was his role model. I said well
Tell me what's so special Akkar. Larry said well. Let me give you sister e in
1952
Carl eller was a man who got involved in outdoor advertising a young man
He went to work for a company and as he did this he worked there for about ten years at a particular company
Then about ten years later
1962 he found himself in a position where he had learned in the
And had enough compounded life experience this make sense ten years working for somebody else
Learning the business learning to make intelligent choices
But he said you know I'm gonna get a little money
I'm gonna leverage it and I'm gonna buy my own little company in the outdoor advertising business
And he did that in Arizona so a biased little company
Outdoor advertising and he calls it el or advertising or el or outdoor if I remember correctly what happens next well
he takes the next six years of his life roughly and
He builds that company up and about six years later. He builds it up enough that now all of a sudden
He looks his life and says I can merge this and get more value I can work with someone else I can see what those
Guys did at the company I worked for they didn't just do things they merger the companies
so he follows the model he learned and so sure enough he merges with a local radio and television station there in Arizona and
The value of that company which was called si si si grew
immensely
So sure enough he takes another 10 years so imagine now
He's been running this company six years on his own at 16 17 years into this now
Do you think you can compound things over 17 years if you make intelligent choices?
And you're smart yes or no he thinks all the decisions. He made were good ones. Yes or no did everything
He do make money
Yes or no he failed at many things, but he had the psychology that he learned from everything if it didn't work
He said that's experience and one from make a better decision so over the next 16 17 years
he basically moves in the position where all of a sudden he's in the place where this company has some real value and
He sells it with his partners to Gannett the people who own USA today really large firm 1980. He comes chairman of Columbia Pictures and
In a short period of time from 1980 to 1983 taking what he's learned from the advertising business
He grows Columbia Pictures, and he helps them to merge with coca-cola
So by 1983 picture this this man is working his entire life right 52. He got an advertising. It's 83. How many years? They're guys
They said in 30 years right three decades long. I've been do what I've been doing that's how long the gentleman was you
Accumulated for himself seventy million dollars just by investing in other people's not even having to do it
You don't have to be a great entrepreneur to make money. You can invest in a great entrepreneur
You know you can look over at somebody like Bill Gates
And say I'm gonna own a PC him let him be the creative one. I don't have to work around the clock let him
Well, I don't ways to get wealthier a lot easier than just running around business and made him is love running our own businesses this
Mangos been running his businesses so by 1983 he's accumulated net worth of five hundred million dollars
Thirty years five eight million dollars how many think it's pretty good say I?
Come by the way five hundred dollars in nineteen eighty three eighty
Three was you know decades ago, what's that worth today? I don't know but probably certainly spending power worth more than a billion
That's for sure
She's got five hundred million dollars, so what's he gonna do?
At this stage he's you know at that stage
I think he was fifty-five roughly somewhere that range mid-50s, and so he says well
I got all this money, but I don't have to what I?
Don't have to
And so he doesn't for a while, but it makes him crazy
It's like I gotta do something my life. Got some meaning. You don't rely on so many beaches you only drink so many daiquiris
You know I mean I want to do something productive
So he comes up with this idea that he's gonna take over a company called Circle K
Circle K is a company that top stage is doing about seven hundred million in sales he goes in partners
And he puts up a chunk of his money in fact virtually all of his money to make this deal happen
But he thinks I'm gonna turn this thing around and guess what he does
He turned Circle K. In roughly five or six years into the second-largest
convenience store in the world behind 7-eleven
second large in the world's got like forty five hundred stores in the United States about fourteen fifteen hundred overseas and like a
Hundred countries just an amazing growth record he takes the company from seven hundred million in gross sales to over three and a half billion
And gross sales and that's short period of time
so now
We're really looking really good wouldn't you say?
We're in the early 1990s now. I've done this for six or seven years
He's built this incredible piece and in two years the entire company reverses its fortunes and goes bankrupt
And he loses five hundred million dollars everything he's accumulated in thirty. Here's a
nice
62 years old and
He has nothing he mentally has nothing he owes
100 million dollars
At 62 he went from up 500 million to down a hundred million
how many never have thought you were in bad financial trouble, and it wasn't that bad say ah
So you thought oh, I lost my job. I lost my income home and estimate went terrible the house
I bought was not worth as much I bought the stock
And I lost it or you know I went through a divorce it was terrible and I lost that trust me
This makes anything anybody this rooms ever experience look like nothing
Now what do you do? You're 62 years old you work for roughly almost 40 years of your life
You're up 500 million. Everybody respects you your name is well-known and now you're a total failure your million dollars
99.9% of planet would go bankrupt obviously, but he decided there was still time
What was that mechanics or psychology my friends
When did I tell you 80% of financial freedom financial independence and all of wealth is?
20% is
He said, I still have time at 62 he had the guts to say all I gotta do I gotta get some money
right I got time I
Gotta get into compounding again, and I gotta make better choices, which at this stage will not be difficult
Okay, well, I've made some bad choices here. You know what took me almost 40 years to develop
I lost in roughly three years two and a half three years
but if I lose in two in half three years
I didn't lose the 38 years of 39 years at 37 years or 40 years of what I learned Who I am
So he didn't say I'm starting over. That was the difference in the psychology. He said I'm going back to what I know
and it's 63 he went back to Phoenix, Arizona and
leveraged everything he could possibly get ahold of who've got people to invest and he bought a small outdoor advertising company and
started
Over, but he didn't call it that he said I'm going back to what I know
But I could make more intelligent choices, and so what happens in less than five years
He built that little company up and he compounds it in 25 cities
And he builds himself to where at the age of 68 years old four and a half years later
Actually said almost 69 at that stage if I remember correctly he
Now is a billionaire again. He sold his company
- what was the company's name
Clear Channel he sold his company Clear Channel and became a billionaire
in less than five years
He was never a billionaire after 40 years
Now this would be a lesson in one thing mechanics or psychology which one
Psychology, but it's also a lesson in the next most important mechanic you better know
Because everybody's gonna make some bad choices and some of them could cost you seemingly everything
or you may make a conscious choice you're gonna change something and you know making a change in a
Relationship can cost you much more than half of what you have to pay how your life is structured financially
But it may be worth it
How do you not be destroyed by that you gotta have psychology?
But you also want to avoid it if he was gonna be here today, and you're gonna ask him
Besides your psychology. What was the biggest mistake you made your psychology made you well but was the biggest mistake?
He make he would say one thing to you and I want you to hear it now and every one have you've heard this but
You may have heard it cognitively you may have understand
It intellectually you don't associate enough emotion to it because you're not maximizing my guess is if you're in this room
You could do more how many agree you could do more in just about anything that matters say aye
That's called asset allocation
He said the mistake he made was asset allocation. I'm gonna show you this now. This is not sexy
This is not completely new for someone sophisticated
But you better make it new for yourself right now when you're green you grow when you're right. You're right
You gotta get green back on asset allocation because what happens is you get to be a sophisticated investor
If you tend to look at where can I put my money where I get the largest what?
Say it again. What and that's the biggest mistake you're gonna make in your life
It's counterintuitive
But asset allocation is the single most important decision you're gonna make in your financial future. You screw this up
You can do everything else
I said well and end up empty financially not unwell see if you stay associated to your psychological strength
But you certainly are not going to be financially for it, and this is the mistake he made asked of allocation
What does it mean it means?
Every person in this room is gonna
Make the wrong decisions financially at times you're gonna get the best advice
You're gonna study the pass the history shows that the market is going like this or the real estate market is going like this
Or gold is going like this or something is going like this
It keeps growing and growing and you feel like you're missing out if you don't get in how many felt that
recently in some the financial valuation of something say I
And so sure enough you get this piece in you and the fear starts to happen
You don't wanna miss out and it really starts the right thing and it looks like right thing and everything should be the right thing
And your timing is wrong
Can you do the right thing at the wrong time yes or no let me tell you another secret to life?
If you do the right thing at the wrong time you get pain
If you plant in the winter, I don't care how hard you work I
Don't care if you work day at night, and you work to the bone, and you plant your seeds in the middle of winter
What's gonna happen when fall comes are you gonna be rewarded yes or no
No, so if you don't understand that the seasons are changing
You're in trouble, but even if you do everything right you can think it's springtime can't you?
And be wrong so how do we protect ourselves the answers asset allocation?
This is the secret you must give yourself and all you I could promise you in two days. We'll forget what I'm saying right now
Because in two days many of you'll be making momentum and estimates
And they'll be some in this room and made three thousand dollars in the last four hours
Because they're gonna make a trade and someone else make a hundred dollars, so let's make five hundred
But someone else is gonna lose a thousand
Or five hundred and what mostly we're gonna focus on is the person to make $3,000
And I'm gonna put all my money in this momentum investment where I could make this 10 percent return today
20 percent today who knows what I'm talking about here say I
And every party goes that's how I get my money machine. I want to get compounded interest
I want to get the best return
I possibly can up so you put all your money in there and the worst thing that can happen to you is like when you
Go to Vegas. What's the worst thing can happen when you go to Vegas you?
win
It's the worst thing that can pop how many know what I'm talking about here say I
When I was a kid I was not into throwing my money away cuz I had so little
And I was not into gambling it's like I wanted to give it share it do something fun. Do something to make people light up
How many weren't going to Vegas for some friends of mine and they went in are they all bad?
I said I'm just gonna enjoy going to the shows hanging out with you guys on my watch. I'm not gonna bat
I was like very extreme the other side so what I do. I stop there and watching I didn't get anything to the last day
The last day I thought well I'll play a little bit of blackjack I mean
It's easy it's pretty simple and you can kind of anticipate the numbers
There's some logic to it you rationalize the whole thing and I play blackjack and I won
18 hundred dollars when that was like I start out with 300. I'll give you a perspective
That was like and I don't believe my money
Cuz then once you get that jackpot, what are you always thinking?
I'm gonna get it again. That's how they make money in Vegas because they've set up the compounding on their side
Right they know what the ratio results are and all they're gonna
do is get you to keep doing this in the house is gonna win because the house has the
economic advantage the longer you go the
Greater chance you can do it. Even if you do it here. You're gonna come back. You're gonna be desired
That's how they can pay for a building like Steve Wynn has that's what 2.9 billion dollars to build a hotel
Was the most expensive hotel in the world now, it's not there Billy a new one for 3.6 billion
for hotel
How can you afford that you have large margins and profits?
And where does that come from people got the big hit?
So the worst thing can happen is you make investments and you hit home run
And you hit a home run and the home run
Get you to start thinking you're really smart, and maybe you are really smart you're very sophisticated
Maybe you really are, but there is a day when the whole game changes
And there's really difficult sometimes to predict that sometimes impossible true or false
So the asset allocation is how you protect it. What does asset allocation it means out of the money you have to invest
We're gonna create three buckets
Really simple way of thinking in this from now on three buckets and these three buckets are gonna
Help you to understand whatever amount of money. You're gonna invest each year where you're gonna put it so for example
if you have
If you don't spend less than you earn you're gonna nothin invest
You spend less than you earn now you have something invest right?
Do you need to come up with a specific number a?
Percentage or a dollar that you're gonna mask every month every year if you're gonna get to your money machine
Yes or no yes or no
Where are you gonna? Put that money?
Whether it's $100 $1000 $10,000 $100,000 a year a million dollars a year a million a month doesn't matter
We're gonna put it if you're smart you're gonna put these three buckets of asset location
What are the three buckets the first bucket is the security bucket when you think about investing?
think of two types of investments
There are fixed income investments and most you're clear what this means what does it mean when it's a fixed income?
Investment who knows what does that mean?
You've got a guaranteed rate of return assuming they deliver and anyone can not deliver including the US government
They haven't not delivered, but they could is there risk in any investment
Yes or no, so just ratios of risk and as we know you know no risk no
No reward, so if you don't invest you're gonna lose if you invest the times
But if you don't - you've already lost and you can never win never of a money machine never be financially free
So fixed income investments the types of Decimus you're gonna make where there's a guaranteed return
You know a bond a company gives you a bond. What is a bond? They're guaranteeing you you give me your money?
I will deliver at this time at this date this percentage return to you, so it's fairly. What secured less what?
Risky we all understand this the second type of investment you can make and helps you understand. We're going to do something
That's gonna be growth River and growth investments are investments where you probably have a much greater potential for growth
Which means you get a greater return if you're successful
But if you're not successful do you know the guaranteed rate of return yes or not?
No, so in the growth investment you have the potential of greater return, but also greater
Later loss there is no guarantee in a growth investment. No matter how long it's been going that way. There's no guarantee
We start to get the illusion that it's going to always go up
It isn't necessarily, so where do you put your money?
If you think of things that are more secure versus not the security bucket is where you want to put
Investments that are secured by their nature
Because they're secure is this going to give you a huge compounded return per year yes or no
But can you give you a huge compound return even if the number is small if you do it long enough yes or no
So what we want to do is your first investments have to be in your security bucket and everybody wants to do the opposite
Because why would you want to go put some money in something you're getting 5% 6% 7% maybe 8% on
When you could go do something else that you believe you can make 20% on because the five six seven percent is totally
guaranteed by that promise by that government by that company by whatever the situation may be and
If you screw up in your growth investments you've got how much
zero
What did this man eller do he put everything in his growth bucket?
How many follow when I'm talking about right now? He went why would I put money in my security bucket?
I got five hundred million dollars
I could do all these different things if I put all of it here
I get a little jump to make his goal was to make a billion dollars, right?
Instead of losing a half a billion of being a hundred million a debt end up losing six hundred million, throw
But he not if I put it in there. I don't even put things in my security bucket
They might say well all worked out well for him. How many Ehlers are there in the world?
most people when they face financial what looks like ruin they say it's over I
Can't start over again at 40 or 50 or 60 much less 63
very few people who do that and even if he did he also had to make some good choices and
Probably got a little bit of luck, and you get really lucky when you work for 50 years you got
Right, and you won't give up and you'll persist and you know this incredible psychology
And you figure how to add value
But most people didn't recover from that
If there's anything he do he wouldn't had been worth billions of dollars and with man all that stress if all he'd done is put
A percentage in a security bucket the question that becomes what percentage you put your security bucket what goes in there well here's some things
That go in there
If you don't have at least two to six months worth of cash that covers your overhead. You're in deep trouble and
Today it's amazing people with enormous incomes
Spend most of it
They don't have six months with the cash on side
if something happened where they lost their job or something happen where the economy got hit or a terrorist attack occurred and
Everything got locked up. They'd be in deep doo-doo. How many know what I'm talking about here say I?
The first step to getting financially secure not financially
Independent is to make sure you got enough cash that something happens. You can go for six months
You got the freedom now who here already has a set aside for your life raising ham
Fantastic give these people a hand by the way big hand for that. Oh come on give a big hand
You're like yeah easy for you you brat
This has got to be a basic financial goal now nobody wants to do like it's not sexy
And you're saying I can be using that money for compound growth Tony
Yes, and you cannot be compounding you could lose and then you start with nothing
How many follow me on this ai?
How much of that should go in there two to six months a year depends on your psychology?
But whatever's gonna make you feel secure its individual for every person
I'm aggradation for six months then maybe two months is fine for you. Maybe for some of you you want to hear and then
It's different for everybody
this is what you got to start to know the truth of who you are not what you project and
Some people are more certainty driven more and more security driven than other people
Some people need a little more security drive right now in order to keep their life balance
What else might you put in there types of investments an IRA goes in here right pretty secure?
Insurance the insurance is protecting you that's part of security. What else could go in there your home
Don't think of your home as an investment
Because for most of you, you're eventually not gonna sell that home and eat it
You're not gonna sell your home and get income off it now some of you
Maybe you made a stage of life
Or you're accumulating the same homes and eventually you're gonna sell and buy a smaller home and take that crate
That came from selling the big home, and it's gonna take care of you for life
He'd be doing that great but the place to think about your home in terms of leverage put it in your security bucket
How many agree with me on this by the way say I?
Cuz kind of maybe you don't have a home you're gonna
Be really stressed out, right?
So I gotta think of my growth outside my home really think of your compound interest outside your home or home may be a bonus
For you and fixed income investments often in this category now
What's the second bucket second bucket is growth two ways you're gonna learn about growth the buy-and-hold strategy, which is the strategy of an owner?
And by the way that buying and holding
That is less risky to some extent than momentum because the timing but it can be just as risky
What is momentum trading? That's when you're no longer an owner. You're a trader a
Financial trader everybody's a financial trader most of you trading time for your money here
You're trading money for money here what you're looking at is you're seeing movement in prices
That may or may not having to do with value can a price change just on based on perception of a company yes or no
Can perception change the price or the value of real estate? Yes, or not a little or completely?
But very often
There is a fluctuation that can come from the event from a perception and what a momentum player is doing as they're playing
For the short-term usually they're in and out when that fluctuation happens
They're betting on the upper the down because as momentum players
I want you understand something everything we're gonna teach you work in a bull market or a bear market
I would be irresponsible to teach you a set of principles that are based on the market only being bull
Cuz right now in the country you live in it's a bull market and real estate
Or stocks or gold or silver or whatever it is that's irresponsible. You will be able make money
No matter what happens in the market. I'm excited about this by the way say I
But even if you get brilliant even if you do it can your timing be wrong yes or no
Yes, can you be totally smart and make the wrong decision yes or no?
So what is gonna protect you so you milk your money machine?
No matter what and when it's time, and you don't want to work. You're gonna get there. What bucket is gonna protect you
It grows slowly, and it grows like the grass
So how much should we put in our security and by the way that what you say well?
What's the third bucket Ani well there's the security bucket where we put our money first?
Second bucket growth bucket. We put our money and we put a percentage in there all the time
Third bucket is the dream bucket
The dream bucket is you want to travel around the world the dream bucket is
you depend upon the size of how you think of what you're doing or your economics you want to own a condominium in Aspen and
If Aspen it seems insane at $2,000 a square foot
Then you might say I want one in Mammoth. You know or I want one in Chile
I want someplace else many times you get the same thing or better quality just by changing location
Because the perception there isn't a better or worse
You're trying to get financially themed real critical critical mass so that you can live forever in your own home in Los Angeles
Or you move to Portland, Oregon
Portland Oregon's greener
Richer you're not probably not gonna be the first place bomb the terrorist attack
Right could you have as good or greater quality of life for a third or fourth the price yes or no?
So sometimes you can get you go quicker just by changing locations changing your perception of where you need to be breaking your own pattern
Okay, so security bucket gets full of gold pocket
But what's the dream bucket the dream market might be a second home it might be the boat it might be a trip it might
Be owning a basketball team owning an island depends on the size
And what it is you want to do by the way bigger isn't better?
The more you have to have to feel financially free the more stress you're gonna have
How many follows?
It's the opposite of what you think
The more you have the more you got to manage the more time the more energy the more risk the more capital
That doesn't mean you shouldn't do it some of you are very very driven to create and risk
That's a personality type. We know that it's crazy I
Happen to be one of those types to some extent
But even a crazy person's got to make sure their security is there or their craziness at one point will bite them
How many follow if you can get pretty free for less do it?
be wealthy now and get financially free quicker and
Then walk in you would and then keep that stuff in your security bucket if you want to play a bigger game now
You've already won, and everything you're playing now. That's where the house is money you
Can go for something bigger?
And if you if it doesn't work out you still handle your security what you're here for is totally free
How many followed him talk about hearsay up?
Now how do we decide to fill these up?
Well your stage of life plays a role so in your security area if you're really getting started here
And you don't have the security there
If you're really conservative you probably need to put 40 percent of your investment capital there
40 percent so you're totally protected if you're more aggressive maybe 30 percent by the way
Which one of these three buckets do most people trying to fill first one two or three
Three and how do they do it borrow?
Money, and what they buy it usually isn't a real asset
It breaks down in value the car. You know the secondary home in an environment that the market chief. Whatever it is
They don't usually make money on it long term. You lose money, and then they have no financial freedom, so they gotta go work
I'm wealthy I'm wealthy I'm happy. I've loved all these things
Nothing wrong with that, but why not have both
What do you think the second one is to be filled for most people? What's the second one quick?
Growth they go for growth because why I want a bigger web return, but a bigger return potential brings with it greater
What?
Risk you absolutely want to fill your growth bucket
Just make your security bucket the first one
Because it's the one you want to feel least and that's the one that will protect you you want to learn from Carl
You don't want to wake up and say I'm starting over
You don't want to have to use that psychology great if you could
But use that along the way when you make mistakes not when you lose everything
That's what Carl will tell you if Carl was here to support you right now. He would say to you listen to this man
Listen to him. I know it's boring sounding right now. I know it's not exciting, but this is your life
Spend less than you earn, and that's the difference reinvest for compounded interest, but doing these three buckets and do it the first two first
Here's how I do it pick your percentage don't vary when you get a better opportunity
So if you're gonna invest $1,000 a month
$10,000 a year
What are you gonna do with it?
They're gonna say for that's going on my security bucket six - that's going on my growth
And after the next few days you can decide how much of that's buy and hold how much that is momentum
Where you put this they're gonna be in real estate buying hold it's not gonna be in companies
Are you gonna break it up, but you keep the percentage because otherwise someone will offer you a deal
And when that deal comes up, and you see the opportunity. What are you gonna say?
I need to get more so I'm gonna take from my security bucket and do it. That's when you get bit
I know I sound like I'm lecturing to you. I'll tell you why do you know how many people I've taught this to
The millions of people over the years that I share this with and you know how few people really hear me they hear me
Right now, but the minute their greed gets it the minute. They go oh my god. I got this giant return
They douse this so if this feels heavy
That's ok with me. If this doesn't feel sexy. That's ok with me, but remember what I'm telling you
What is the secret long-term? What's the most important decision you're gonna make in your investment life your
sandag and you are
So right now, so this goes from conversation to reality. I want to ask you this
What percentage of your current investments are in completely secure environments?
If the answer is zero, this is the first thing you got to do you can still do great opportunities
but that percentage has got to start building security first a percentage of it and again that number depends on your risk tolerance and
It depends secondly on where you are on stage of life if you're older does you need put more insecurity or less which one quick
More because you have less time to make up for a mistake if you're younger you could be little less
But don't put nothing and if you become more wealthy, you know it's interesting the richer you think and feel
The more abundant you seem to become because that feeling starts to affect the way you make decisions that are not made from fear
They're made from gratitude and when you operate from gratitude, and you're coming from a generous place within yourself and other people
It attracts a different experience. You know it's crazy in my life today today
People come up to me every day of my life
No exaggeration if I'm in a public if I'm in a restaurant and because I've had you know
50 million people get my books and tapes around the earth no matter where I go in the world
People don't come out and tell me these great stories, but someone come over to me
and they'll say
They just paid for your dinner or your lunch or whatever or they want to buy this I would say no no they go though
They insist I'd say no no I wanna say. Thank you. I really appreciate it. Thank you
I appreciate the gift of wanting to do it, but please let me take care of it
No, no no no. I think where were these people when I was broke at Denny's
Where were they when they needed them
When you're rich everybody wants to buy you lunch and dinner when you're successful wealthy everybody wants to do for you
When you're not ironically no one wants to do a squad for you
Except the few people that feel sorry for you or want to be generous in some way, but the majority don't
It's ironic the more successful
They were happy the more healthy the more wealthy you become you get momentum and other people are attracted to you deals opportunities
experiences
So 80% I've said it a million times because I want you to get it in your body is this association
So you give everybody hand to this day for starters everybody has to stop
Amazing
Now that you have learned what it takes to create
Long-term financial success take five minutes to think about how you can build your own money machine
1 are you spending less than you earn and then investing the difference
What are two to three actions you can take to save more so you can in turn invest more?
Could you cut back on going out to eat cooking more dinner at home or bringing your lunch to work?
We negotiate costly plans such as for your cell phone or cable or
Meet with a tax advisor are you taking advantage of all the opportunities available to you and your tax bracket?
2 what is the ideal asset allocation for you?
How would you allocate the extra money safe within four three buckets security growth and dream?
Why is this the right choice for you?
You
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