Robert said: If you ask a person whether he wants to be rich or financially free, the other person will probably say "yes".

But once you think that the road to wealth is bumpy and needs a long process, many people will think that it is actually possible to "make do" now, so most people Malik Yun once said:

Think of a thousand roads at night and take one road in the morning.

Therefore, the road to wealth and freedom needs a driving force. In order to facilitate your understanding, we might as well do such a thinking experiment, which is divided into three steps:

The first step: meditate on a quantity, and you will never get it within 24 hours;

Step 2: List your three favorite people. They can be your parents, lovers, or children.

Step 3: Suppose they are kidnapped by bad guys, and the other party wants you to prepare a certain amount within 24 hours, that is, your previous figure. You can't call the police, otherwise their lives will be in danger.

This is just a thought experiment, but you will find that when we have the motivation to do it, the amount we thought we would never raise in 24 hours will not become out of reach because of the full motivation, and even you will use all your methods to complete it and achieve this goal.

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Make choices carefully every day.

In the past few days, we have learned that no matter whether they are poor, middle class or rich, the reason why they become what they are today is the result of countless choices in the past.

For example, in the face of luxury goods, the poor and the middle class will choose to "appear rich", while the rich know how to delay satisfaction, so they choose luxury goods as the return of their successful investment.

Of course, this is just one example of many choices. For you, if you want to be rich, you need to make the most cautious choice on two things.

The first is time, which is everyone's most important and precious asset. Where time is invested, the output is there;

The second is to study, because you don't have much money now, so you should study more. Education represents the past, ability represents the present, and learning ability represents the future.

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Choose your friends carefully.

We have seen the strength of relationships in many places, but what we want is not their wealth in relationships, or even their help, but just learning from them.

Why do you say "your income is the average of six friends around you"? That's because what they care about will become your topic. By talking with them, you will notice the opportunities that ordinary people are not easy to find, and their successful investment experience will become a model that you can imitate.

On the other hand, if you associate with friends with poor ideas, when you have a good financial plan to communicate with them, their fears and doubts will affect your judgment, which will make you return to a standstill and delay your fighter plane in wandering.

Knowledge itself cannot change a person, but the environment can. Your circle of friends can change your environment.

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Skills are not overwhelming: master one mode and then learn another.

Robert said: what you learn, you will become what kind of person.

For example, if you learn to cook well, you will try to put this skill into practice, then make a lot of delicious food, and even become a chef.

And if you don't want to be a chef and want to be a trainer, then you may have to learn speech and some required courses for trainers.

Therefore, we must carefully choose the content of study.

On the issue of money, most people only know the "rat race" mode of making money and paying bills at work. If you are not satisfied with the status quo, you must start a new mode of acquiring wealth.

Robert has attended a training course specifically for financial derivatives trading and a remedial course for commodity options trading. He even left his professional field to discuss problems with many doctors in nuclear physics and space science.

In this process, what Robert learned made his stock and real estate investment more reliable and profitable.

Through this learning mode of the rich, under similar conditions, Robert earns more money in one day than many people do in their whole lives.

Therefore, in today's fast-changing era, we may just learn a knowledge, which will soon become outdated. But it is precisely because you learn fast enough that this skill of learning fast can keep you in a comparative advantage for a certain period of time, and this comparative advantage can guarantee you to obtain wealth through what you have learned to a certain extent.

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Towards financial freedom through self-discipline

As we said before, most people who won the lottery went bankrupt soon after winning a lot of bonuses. The essential reason for this situation is their lack of self-discipline.

At the same time, it is precisely because of the lack of self-discipline that many middle-class people buy new cars or spend money on a big expenditure item immediately after getting a raise.

It can be said rudely that self-discipline is the primary factor to distinguish the rich, the poor and the middle class.

Do you remember the three management skills that we talked about yesterday?

1, cash flow management

2. Personnel management

3. Personal time management

In the actual operation of cash flow management, the poor have some bad habits, that is, they use their savings casually; The rich know better that savings can only be used to create more positive cash flow, not to pay bills.

Because financial pressure is not necessarily a bad thing, it can also force us to work hard to create income, instead of lazily saving to release stress.

When you awaken your financial talent through this self-discipline, you will have the opportunity to have the best thing in life through creativity and action: getting rich.

Give your excellent broker a generous reward.

In the eyes of the poor, people are very worried that a transaction will be "brokered by a middleman", and even many people say, "You can't believe everything a broker says".

But rich dad is just the opposite. He taught Robert to pay high salaries to professionals. In fact, the results also prove that the money paid to the broker is directly proportional to the occupation of the broker and the industry information provided.

For example, when buying a house, an experienced broker will teach you how to avoid taxes reasonably and which current policy in the bank can get a more favorable loan interest rate. These skills and tricks are commonplace for brokers, but they are your first contact.

As Robert said, brokers are my "eyes" and "ears" in the market. They pay close attention to the market trends for me every day.

Of course, each broker has different abilities. When investigating any professional who provides paid services, Robert also summed up a key indicator: How much property or stock does the agent own?

As mentioned earlier, personnel management is a very important skill. Only by identifying and hiring a truly outstanding person in a certain field, making him your agent or consultant and serving you with his professional knowledge and industry insight, can you succeed in financial investment, which is also your financial quotient.

Always remember the investment recovery cycle.

For asset investment, the first question for a seasoned investor is how long it will take me to recover my investment. This is an important indicator to measure an investment project.

For example, Robert cited a case of buying a house with confiscated collateral, which was an opportunity that Robert found in Arizona at that time. The mortgaged house costs $50,000, but Robert found that the house can be rented as a "holiday house" for four months every year at the price of $2,500 per month, and the rest of the off-season can only be rented at the price of $65,438+$0,000.

In this way, the investment can be recovered in about three years. Until now, Robert still holds this asset and can continue to generate cash income for him every month.

Similarly, you can do the same thing in the stock market. For example, when you encounter a bull market, you can withdraw your initial funds after making a profit, so you don't have to worry about market fluctuations in the market outlook anymore. Because the cost has been recovered, it's just the difference between earning more and earning less. In this way, you can have an asset that is technically equivalent to free acquisition.