1. Spend less than you earn.
2. Build multiple streams of income.
3. Pay down the highest interest bearing debt first.
4. Income does not determine wealth.
5. Do everything in moderation.
6. Know the difference between good debt and bad debt.
7. Develop a Workable Household Budget.
8. Track your income and expenses.
9. Never assume past performance guarantees future results.
10. Pay the bills on time. By doing so you'll avoid spending money on needless late fees.

• The Dreamer: It’s important to have someone who always thinks positive and keeps you believing!
• The Hardworker: You need someone who will keep pushing your work ethic to new heights into actions
• The Realist: This person will keep you level-headed and make sure your thinking deeper …

1. Successful people know and accept themselves.
2. Successful people set goals congruent with their personality, values, interests, strengths, skills, mission and purpose.
3. Successful people know they have much more control over the trajectory of their lives than others realize.
4. Successful people accept that they will repeatedly go through tough times.
5. Successful people know that once they get to their destination, they will find another.

1. Focus on earning.
2. Develop multiple streams of income
3. Save to invest, don't save to save.
4. Don't show off - show up.
5. Change your mindset about money.
6. Invest in yourself.
7. Set goals and visualize achieving them.
8. Start hanging out with people you admire.
9. Shoot for $10 million, not $1 million.

Millionaire's rules you will never learn in school

• You will not make six figure salary after school: You will have to work hard for what you get
• Your parents know something you don't: Perhaps, before you were born, your parents weren't as boring as they are now
• Life is not fair. Get used to It: Stop expecting life to hand you the things you think you "deserve"
• "Flipping Burgers" is not beneath your dignity: Swallow your pride and take that job you think is beneath you as stepping stone
• Your school may have done away with winners and losers but life has not: The result of an exam does not justify the means. It doesn't bear the slightest resemblance to anything in real life
• The world doesn't care about your self esteem
• If you mess up, it's not your parents fault: Stop spreading the blame around and take responsibility for your failures
• Life is not divided into semesters: Once life starts, it just goes on and on. So spend your time doing something worthwhile

Did you know that many lottery winners go broke after a couple of years?

1. If you don’t work your ass off for your money you will not understand the real value of it
2. Money that comes fast gets spent fast
3. Many people who get rich quick or by luck stop spending it logically and start spending emotionally
4. You need a certain financial education in order to invest your money in a correct and clever way
5. Remember that you can always fall way faster than you climbed to the top

Being broke can teach you the most valuable lessons in life which spoiled rich kids will never understand. That’s why I’m grateful for the fact that I failed so badly before I started making real money.

• Great minds discuss ideas: philosophy science happiness epistomology psychology art creativity knowledge self spirituality improvement solutions abstraction music relationships peace
• Average minds discuss events: news weather politics religion television sales sports work concerts activities plans
• Small minds discuss people: gossip drama politicians peers clergymen leaders neighbors friends family coworkers

• Quit a habit
• Work out
• Meditate
• Self-reflect
• Learn a new skill
• Read

The worst people to serve are the Poor people.

• Give them free, they think it's a trap.
• Tell them it's a small investment, they'll say can't earn much.
• Tell them to come in big, they'll say no money.
• Tell them try new things, they'll say no experience.
• Tell them it's traditional business, hard to do.
• Tell them it's a new business model, they'll say it's MLM.
• Tell them to run a shop, they'll say no freedom.
• Tell them run new business, They'll say no expertise.

They do have somethings in common: They love to ask google, listen to friends who are as hopeless as them, they think more than an university professor and do less than a blind man. Just ask them, what can they do. They won't be able to answer you.

My conclusion:

• Instead of your heart beats faster, why not you just act faster a bit;
• Instead of just thinking about it, why not do something about it.

Poor people fail because on one common behavior: Their Whole Life is About Waiting.

WE ARE NEVER IN LACK OF MONEY.
WE LACK PEOPLE WITH DREAMS,
WHO CAN DIE FOR THOSE DREAMS.

• Rich people: Would rather be educated than entertained.
• Poor people: Would rather be entertained than educated.

Your environment matters

A TREE has to be planted in the right Environment in order to Grow or else it will DIE

A human being has the choice and power to move from.

From the Wrong Environment to the RIGHT one.

In order to grow…

Everyday you get: 24 hours 1,440 minutes 86,400 seconds

Nonrefundable. Nonrenewable.

Be very selective of how you use your time.

• Spending: Non-educational TV, Going out excessively, Too much social media, Gossiping about others
• Investing: Networking, Learn a new skill, Read a new book, Building a side hustle

Surround yourself with people that push you to do better.

No drama or negativity.

Just higher goals and higher motivation.

Good times and positive energy.

No jealousy or hate.

Simply bringing out the absolute best in each other.

Most People are poor because, when it comes to investing, the world is filled with Chickens Littles running around yelling, "The sky is falling! The sky is falling!" And Chickens Littles are effective, because everyone of us is a little chicken.
It often takes great Courage to not let rumors and talk of doom and gloom affect your doubts and fears.
But a savvy investor knows that the seemingly worst of times is actually the best of times to make money.
When everyone else is too afraid to act, they pull the trigger and are rewarded.

1. Find a product (or a idea) that is popular but not perfect.
2. Buy one and study it in detail
3. Figure out how to improve
4. Make a prototype
5. Show the prototype o 100 people
6. Remake it, until people start ordering it (ex. Kickstarter)
7. Find a co-founder who can build it with you
8. Split with your co-founder 50% (use vesting)
9. Find a person with a lot of money, an investor
10. Give her 10% of your company
11. Make the product
12. Sell your product to 1 million people
13. Get more money
14. List your company on stock exchange like NASDAQ
15. Your investor, your co-founder and you all make money when you sell shares there

• One to keep you creative
• One to keep you in shape
• One to make you money

• Find the right circle
• Educate yourself daily
• Get comfortable being uncomfortable
• Avoid negative people
• Take up a new life challenge
• Write down your goals
• Wake up early
• Improve upon your strengths
• Ask for feedback
• Acklowledge your flaws

• Being on time
• Work ethic
• Effort
• Body language
• Energy
• Attitude
• Passion
• Being coachable
• Doing extra
• Being prepared

• Network.
• Dream big.
• Plan ahead.
• Get up early.
• Stay focused.
• Watch less TV.
• Read more books.
• Invest in yourself.
• Avoid time wasters.
• Take calculated risks.
• Write down your goals.
• Live on less than you make.
• Make your health a priority.
• Do work that matters to you.
• Learn from people you admire.
• Foster meaningful relationships.
• Take action, even when it's scary.
• Cultivate an attitude of gratitude.
• Have a powerful and inspiring "why".

1. If you do not go after what you want, you'll never have it.
2. If you do not ask the answer will always be no.
3. If you do not step forward, you always be in the same place

1. Turn off television.
   • Try educational YouTube videos instead.
2. Read more books
   • Aim for 30 minutes per day of uninterrupted reading.
3. Listen to podcasts.
   • Try replacing music with a podcast during your commute.
4. Plan your day the night before.
   • Use a journal to structure your goals throughout the day

You choose how you experience life. You can't choose the cards you were dealt but you choose what to do with them.

STOP VIEWING YOURSELF AS A VICTIM
"Avenger" and "Survivor" self-images presuppose victimhood.

BE TRULY INDEPENDENT

You will continue to suffer if you have an emotional reaction to everything is said to you.

True power is sitting back and observing things with logic. True power is restraint. If words control you that means everyone else can control you.

Breathe and allow things to pass.

Once you get used to it, it becomes addicting.

Give a weak mean consistent sex, good food, cheap entertainment and he'll throw his ambitions right out the window.

The comfort zone is where dreams go die

Everyone things of changing the world, but no one things of changing himself.

– Leo Tolstoy

• They enjoy their time alone. They hold themselves accountable for their actions.
• They celebrate the success of others. They surround themselves with greatness.
• They have great health habits. From sleep to hot they eat, they own mind, body and spirit.
• They embrace and celebrate change. They know that change is constant with life.
• They invest time and energy into the present. They're able to focus on the tasks at hand.

GREAT people talk about IDEAS

AVERAGE people talk about THINGS

SMALL people talk about OTHER PEOPLE

The inferior man argues about his rights, while the superior man imposes duties on himself

Wagner Clemente Soto

• Have fun without drinking
• Talk without mobile
• Dream without drugs
• Smile without selfies
• Love without conditions

Lions don't have to roar. There is power in silence, confidence, and persistence.
Those who work don't talk, and those who talk don't work. Handle your business. Measure your efforts by results. Focus your time, energy, and activity on mastering and executing a plan.

Avoid the energy draining practice of telling people what you're going to do.

Instead, spend your time and effort in doing the things that are necessary to accomplish your goals. Keep your focus. and stay determined in order to pursue your dream.

Let your work, not your words, speak for itself.

You deserve!

If a wayfarer fails to find
one better or equal,
steadfast he should fare alone
for a fools no fellowship.

Explanation: People need companions. But if one does not find a person who is better than, or at least equal to oneself, it is better to be alone rather than keep company with foolish people. There is no profitable companionship with fools.

HOW TO OVERCOME THE FEAR OF IT.

1. Use it an opportunity to grow. "If you learn from defeat, you haven't really lost."
2. Figure out why you failed. "If you're not failing every now and again, it’s a sign you're not doing anything very innovative."
3. Failure is NOT FINAL. "Our greatest glory is not in never failing, but in rising every time we fail."
4. Stay Positive, It's all perspective. "I have not failed, I just found 10,000 ways that won't work."

Most people spend more on the exterior of their head than the interior.

SUCCESS DOESN'T COME FROM WHAT YOU DO OCCASIONALLY, BUT WHAT YOU CONSISTENTLY.

The person you will be in five years depends largely on the books you read, the people you spend time with, the food you eat, the habits you adopt, and the conversations you engage in today.

Ruben Chavez

There are two "Spiritual Currencies": Time and Attention.

This analogy can be seen very readily in the sayings "Spending Time" and "Paying Attention".

Whatever information or endeavors we put our time and attention toward, we end up getting something in return for that investment.

This return could come in the form of knowledge, understanding, skills, expertise, and empowerment, if we invest our Spiritual Currencies wisely.

1. Make lists
2. Carry a notebook everywhere
3. Try free writing
4. Get away from the computer
5. Quit beating yourself up
6. Take breaks
7. Sing in the shower
8. Drink coffee
9. Listen to new music
10. Be open
11. Surround yourself with creative people
12. Get feedback
13. Collaborate
14. Don't give up
15. Practice, practice and practice
16. Allow yourself to make mistakes
17. Go somewhere new
18. Count your blessings
19. Get lots of rest
20. Take risks
21. BREAK THE RULES
22. Don't force it
23. Read a page of the dictionary
24. Create a framework
25. Stop trying to be someone else's perfect
26. Got an idea? Write it down!
27. Clean your work place
28. HAVE FUN
29. FINISH something

You are the average of the five people you associate with most, so do not underestimate the effects of your pessimistic, unambitious, or disorganized friends. If someone isn't making you stronger, they're making you weaker.

– Tim Ferriss

• THINK POSITIVELY
• NETWORK WELL
• EXERCISE DAILY
• EAT HEALTHLY
• WORK HARD
• STAY STRONG
• BUILD FAITH
• WORRY LESS
• READ MORE
• BE HAPPY
• VOLUNTEER FREELY
• RELAX OFTEN
• LOVE ALWAYS
• LIVE FOREVER

When a question about a certain topic pops up, google it. Watch movies and documentaries. When something sparks your interest, read about it. Read read read. Study, learn stimulate your brain. Don't just rely on the school system, educate that beautiful mind of yours..

• They know their WHY
• They value their SLEEP
• They live below THEIR MEANS
• They focus on EDUCATION
• They prioritize their HEALTH

• Expect fast results
• Stop believing in themselves
• Get stuck in the past
• Dwell on mistakes
• Fear the future
• Resist change
• Give up their power
• Believe in their weakness
• Feel the world owes them something
• Fear failure more than desire success
• Never visualize what is possible
• Feel they have something to lose
• Overwork
• Assume their problems are unique
• See failure as the signal to turn back
• Feel sorry for themselves