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Debunk all those assumptions that you will be Rich if you study hard and work hard . They Don’t Teach You How To Get Rich At School-2 It is all about the importance of money. The premise of the book clearly distinguishes the difference between the thinking of the rich and the poor. In essence, the only limitation between you and the rich is in your own mind, and achieving success lies in breaking these walls. You can't just graduate and leave formal education and expect yourself to be financially well equipped. Many people think that having a good education is sufficient to the roads to acquire new wealth , well they can't be any more wrong! It is having the mindset of the wealthy that will make you rich. That is why many lotto winners who becomes instant millionaires loses most of their money because they don't have the proper mindset to maintain or grow their money. You’ll discover why some of your money beliefs might be wrong and that could be holding you back , you need to consider what are the principles and what behaviors the rich have , that you do not have Laura Maya takes this idea and breaks it into sixteen chapters. You wouldn’t find a recipe to turn rich overnight. Rather, the book provides a solid foundation for setting the psychological stage for strong financial habits. Studying hard, getting nice grades, and getting a job is not enough to be rich. That’s one lie which we have been fed with since our childhood. There is a difference between scholastic, professional and financial education. The book further analyzes the root cause of why you are not rich. It all boils down to your education. You were never taught about how to be rich at school. Forget that, you never even learned personal finance or how to handle money. It further touches upon how you can get smart with personal finance. Perhaps the biggest argument Laura makes is the fact that everything can change if you change your mindset. Buying that expensive dress, impulsive buying, etc. are all signs of a poor mentality. If you make changes to your lifestyle and spending habits today, you will reap the benefits tomorrow. On making money, Laura’s approach is simple – she emphasizes on investing, spend less, and plan for a long-term. This isn’t something new. We have all heard it. But we never implement it. Laura gives real life examples of how you can start your journey to being rich by investing for a long-term, planning your finances, and by staying on a budget. Last but not the least, she focuses on self-investment by developing your mental, financial, and emotional intelligence. To sum up, Laura has come up with a book that truly focuses on the core problem today – financial planning and money making is simply not taught at schools. The book truly provides a step by step guide to change your thinking about money, set realistic goals, and embark a journey towards riches.
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Every effort has been made to be accurate in this publication. The publisher does not assume any responsibility for errors, omissions or contrary interpretation. We do our best to provide the best information on the subject, but just reading it does not guarantee success. You will need to apply every step of the process in order to get the results you are looking for.
This publication is not intended for use as a source of any legal, medical or accounting advice. The information contained in this guide may be subject to laws in the United States and other jurisdictions. We suggest carefully reading the necessary terms of the services/products used before applying it to any activity which is, or may be, regulated. We do not assume any responsibility for what you choose to do with this information. Use your own judgment.
Any perceived slight of specific people or organizations, and any resemblance to characters living, dead or otherwise, real or fictitious, is purely unintentional.
Some examples of past results are used in this publication; they are intended to be for example purposes only and do not guarantee you will get the same results. Your results may differ from ours. Your results from the use of this information will depend on you, your skills and effort, and other different unpredictable factors.
It is important for you to clearly understand that all marketing activities carry the possibility of loss of investment for testing purposes. Use this information wisely and at your own risk.
This Book is a followup edition of first edition “They don’t teach You how to get rich at school , classified as under 2nd edition with additional 5 chapters with 60pages of fresh content and a preface introduction on update on the New economy since many new economic changes has been introduced
Copyright © 2018 Laura Maya
Chapter 1: How You Think About Money Really Matters
Chapter 2: They don’t teach you how to be rich at school
Chapter 3: Myth or Lies , Which is True
Chapter 4: Learn How the Rich Think to Become Wealthy
Chapter 5: The Rich, Poor and Lost Money Mindset
Chapter 6: Reflective Learning: How You Can Build Financial Wealth For Yourself
Chapter 7 : Your Mind Is The Best Tool
Chapter 8: Change Your Money Mindset with Neuro Linguistic Programming
Chapter 9: Change Your Money Mindset with Hypnotherapy
Chapter 10: Break free from Ego
Chapter 11: Strategies for Improving Your Chances to get Rich
Chapter 12: Let Money begets money
Chapter 13: Developing your money making skill, mental, emotional and financial intelligence
Chapter 14 : How Does The Reactive Mind Affect Your Ability To Live A Happy Life?
In America many persons like to repeat “we are all free and equal,” but it is a great mistake in more senses than one.
That we are born “free and equal” is a glorious truth in one sense, yet we are not all born equally rich, and we never shall be.
Will you believe if someone told you that most of what we have learned in school about Money is wrong.
Most people often will make this mistake of thinking that in order to grow rich you need to head off to university and get a degree
Actually, nothing could be further from the truth. Some of the wealthiest people in the world have no formal education. With that said , we give respect to Napoleon Hill’s famous quotes of which was mentioned :
“Education comes from within; you get it by struggle and effort and thought.”
Life is your education. On your road to riches, you might stumble and fall not once but many times and you need to stand up, dust yourself off, and try again taking away the lesson from your past failure. The education you need to grow rich is learning how others have become rich in the past. Discovering how they have achieved wealth.
Even with present updated educational system around the world , there are still many people who do not know how to save or invest and most people are over leveraged on their credit cards. In fact according to statistics , the average household credit card debt stands at $15,705 in the US in 2015 , while globally millions seek the help of credit counsellor each year, in the US itself , statistic shows roughly 2.0 to 2.5 million Americans are having similar financial issues
Practically all of these people went through the educational system yet they are still financially in trouble and in debt because they were never truly taught about the process of getting Rich in school. While many may have learnt many valuable things in college, there are some crucial subjects for your success both in business and in life , that were never taught, and these are skills , attitudes and habits which can help one to excel at what you do .
They don’t teach you how to become rich in school ... Truer words were never spoken and while you might have heard about saving on your tax, investment options and borrowing to make money, assuming you were fortunate enough to take some basic business classes, these methods won’t generally make you rich on their own. If it were as simple as this, there would be a lot more wealthy people on the planet so you would be correct in thinking that there are some missing factors.
In our new world economy , the biggest factor in your success will not be based on academic learning but whether you develop Life influenced success skills
These missing factors are the ones you will not be taught in school but the good news is, you can still learn about them. It is as simple - look at the wealthy, observe how they think about money, and look at how they manage it. How the wealthy think about money is the key to unlocking the mystery as to how you too can become wealthy.
There are many differences between how the wealthy and regular working class Joes think about money and we will be looking at these differences in detail so that you can consider changing your thinking to encompass a making money mindset.
If we look at the past 50 years , large organizations dominated the path of social mobility and employment from early school age to retirement. Almost every bit of society will guided with assumptions which over time, become traditional and were almost taken for granted ; The most common being quoted :- “If you wanted to be successful and or be popular , You studied hard in school, got into a good college , progress to have an entry level job of a multinational corporation or a government bureau , rose through the ranks of middle management .You’ll get There !
But with present timeline , the concept and this traditional assumption about getting an entry level job and rising through the ranks is also disappearing as fifty years later from then ,the society has progressed into another era , call the World wide web - Internet Era .
Now Job security is dead , One is not limited to just get fixed with one job , but has options for many different jobs , employers and even careers in life ,now this brings downs a school’s academic credential ,as it becomes less relevant but the real world which changes almost every hour with new technology almost evolving at a few fast pace seeks real world results and impacts that one can create over time becomes more and more upfront with relevance .
With Internet mobility integrated with smartphones ,the world has now even more new opportunities for flexible Self created ,independent careers , this trend has been boosted along with the gathering of a new massive group of young savvies , who are hungry , highly educated young men and women in India , China , eastern Europe , Asian pacific rim and almost every countries , all eager to do the work that basic entry level organization at fraction of the cost of what was formerly offer in the industry .
This emerging competition has encourage many people to “Think Outside of Box” to create careers for themselves. Generally the society become more – pro-individual thinking and started forsaking the old rules ,not to depend on their government policy to help them nurture .
Until the last decade ,the kind of opportunities that can get you ahead in the world , are usually controlled by the bureaucrats and their cronies in the business world which were well guarded by such groups who checked your formal credentials before accepting you to join their group .
But now it has totally been disassembled and the zeitgerist has changed .
There are now aplenty of new kind of avenues open to anyone who wants to pursue them without any formal, academic qualification, and these have arisen largely because of the new frontal technologies , as the world has been trying to adapt to internet and the green energy technological shift enhanced altogether with knowledge data economy or data driven digital Marxism economy .
This data driven digital marxism brought the age of cloud computing , smartphones , mobile and social Media , wireless devices and globally low cost communication network throughout the world where now users are usually of multi capabilities as the technology provide outstanding options for making many enterprising individuals starting to realize that formal education credentials are becoming less relevant to the new economic reality they are facing now .
A significant part of this eBook gives you the necessary information that will enable you to overcome your money ignorance and will focus on how to go about changing your existing money mindset because it is often easier said than done.
Some folks will be able to do this on their own however, most will struggle with it, and so we are going to talk about some methods that can help you. Uncover the mindset of the wealthy that will help you make right decision at the right time.
These include Neuro Linguistic Programming, Hypnotherapy, and good old-fashioned addiction counselling to reverse an addiction to unproductive and compulsive spending. Compulsive spending is of course one the main reasons why being wealthy is out of reach for the majority of people so it deserves to be singled out for mindset reversal in terms of building wealth.
Finally, we will a take a look at some of the things that the rich believe in and actively practise as a way of maintaining and increasing their wealth. These might surprise you but the lessons are worth learning if you are genuinely committed to increasing your wealth.
There are , of course ,many academic subjects you can learn in college ,which have absolutely nothing to do with career and financial success . One can expand his or her mind and sharpen their critical thinking skills to pursue new perspectives , new ideas or revels in some intellectual or historical legacy of some World’s greatest myth in exploration of the unknown .
But that’s pursuing for knowledge ,and simply focusing on these subjects and getting a degree attesting to the fact that you have completed the course ,does not guarantee job security ....and more and more people including those who haven’t even graduated from high school are possibly waking up to the Real reality that such old career advice is no longer viable for the new economic circumstances we are facing today .
The fact that what every salaried individual are looking for today is to be able to uphold and maximize their chances of their professional success under any economic circumstances ... be it during good growth or any recession .
“Start Learning New Ways and Improve Our Chance to Get Rich ”
Lets look at one of the most important fundamental on how people think about money as this is one of the most important lessons to learn when it comes to creating wealth and it is definitely not taught in school.
In our present society, the gap between the rich and the poor is growing wider everyday. The rich has progressively become richer while the poor are still limited in their exposure . To help us understand the satirical situation, we need to go into the mentality of the rich and wealthy and compare it with the way of thinking of the poor and underprivileged people.
Here are the 18 distinct differences in the money mentality of the rich versus the poor people. While reading the differences, try to assess your own mindset and see where yours mostly belong to .
But remember that by defining ‘rich’ and ‘poor’ I am not referring to an individual’s current bank account size, net worth, assets, and so on. But rather, I am referring to the state of mind. A human mind is so powerful it can create assets, or even liabilities. If you have a mind conditioned to be poor, no matter what wealth you have today you can lose it all sooner or later. On the other hand, if you have the mind of a rich person’s, you can create your wealth from scratch or get it all back faster than it took you the first time, even if you lose it all today.
Rich people and poor people think differently about money as well as other associated activities and general life issues.
18 Ways Rich People & Poor People Think Differently
1) Creating Your Life
• Rich people believe that they create their life
• Poor people believe that life happens to them
2) Playing the Money Game
• Rich people play the money game to win
• Poor people play the money game to lose
• Rich people are committed to being rich
• Poor people want to be rich
• Rich people think big
• Poor people think small
• Rich people focus on opportunity
• Poor people focus on obstacles
6) Admiration and Resentment
• Rich people admire other rich and successful people
• Poor people resent successful rich people
7 ) Networking
• Rich people associate with positive successful people
• Poor people associate with negative people
• Rich people are willing to promote themselves and their values
• Poor people don’t
• Rich people are excellent receivers
• Poor people are poor receivers
• Rich people choose to get paid based on results
• Poor people choose to get paid based on time
• Rich people focus on their Net Worth
• Poor people focus on their working income
12) Money Management
• Rich people manage their money well
• Poor people mismanage their money well
13) Money and Working
• Rich people have their money work hard for them
• Poor people work hard for their money
• Rich people act in spite of fear of risk
• Poor people let fear stop them
• Rich people constantly Learn
• Poor people think they “know it all”
16 ) Destiny
• Rich People Believe that They Create their Own Destiny
• Poor People Believe that they are Predestined
• Rich People are Leaders
• Poor People are Followers
• Rich people focus on saving
• Poor people concentrate on spending
Now that you have read through these differences, go back and read them again while thinking about how you and the way you think about money and life, fits within the eighteen ways of thinking. You might be surprised by some of these so take a moment to allow them to settle in your mind but this are realities in today’s societies .
These eighteen differences actually will help to re-tune and re-orientated our conceptual approach to money as they are realities that we have to live with , especially for young graduates joining the working society :-
- To survive in today’s society , you need money , money really matters
- Everybody requires some money utilization knowledge ,with such knowledge you will be capable to learn and apply professional skill to incorporate with financial intelligences
- You do not learn much about money in school , except some simple cheque balancing , and reading of your bank monthly statements ,plus a little to do on simple bank’s interest calculation for your mortgages or your housing loans . You have to learn by yourself , the truth on how money really works and changes
- Half the World is caught up in a system which is manipulated by the wealthy and the powerful, that most educational system in the world are only teaching individuals how to work for the rich , to be submissive
to their leaders , as productive citizens under supervision but without authority and earning sufficient salary just enough to pull through but not more than 3 months with expenses.
- Living paycheck to paycheck on monthly salary or adhoc job , a person in this position has limited freedom. He/she is absolutely stuck in that rut and there is no way out. You get up every day and go to work, then you come home dead tired .You dread to wake up tomorrow ,as the first thing that comes to your mind in the next morning is that “money starts flying away “
- Having tons of money is freedom but it does not include guaranteed happiness . It is true with lots of money, it does make life easier , subjected that if you are well in control
Like it or not , in this present generation time , we have a much worse financial reality than our parents did from the day when we graduated and walked out of school. We will be facing bigger housing costs, bigger medical costs, and a bigger requirement to have that financial education than our parents folks has before .
It is amazing some of the small things you remember from high school and college. Though it has been over ten years, I still remember the basics of photosynthesis from biology. I still recall the names of different periods of architecture, like neoclassicism and Greek revival, and I could spout off the Pythagorean Theorem to you if I gave it some thought. One thing I do not remember from school is learning how to manage credit cards. I do not recollect lessons on how a loan works, and I really do not recall doing homework on the differences between stocks and bonds. I definitely do not remember any lessons about the power of inflation.
The reason I do not remember these is that they were never covered in my courses. It is a cruel twist that most of the knowledge we learn throughout high school and college is seldom used while the know-how we actually need is not formally taught, forcing us to learn through self-education and trial and error. This lack of financial literacy is costing us billions of dollars annually.
Most worrisome of all, though, are the bad decisions this lack of education is causing.
People take on hundreds of thousands in debt for a degree that may never earn them above the median household income of $52,000. They rack up thousands of dollars in credit card debt without fully understanding the consequences of doing so. They buy new, expensive luxury cars but do not invest any money in retirement savings.
Few have sufficient emergency savings to cover six months’ worth of expenses in the event of a job loss or other catastrophe. As many life events like marriage and having children happen at older ages, these bad decisions are becoming especially problematic for the millennial generation. Some are arriving at age 30 with financial circumstances little different from when they were 20.
Consider your own situation for a second as you sit reading this. Now, fast-forward 40 years into the future.
What kind of life do you envision? For many people, 65 and beyond is envisaged as a time of relaxation, free of worries about money and work.
A house paid off (and maybe a vacation home, too), kids’ college tuition already paid, and a hefty nest egg to support you as you enjoy your golden years.
Sound Nice , but this will not be the reality for most people.
The median net worth for those approaching retirement is nowhere near. Though social security and medicare benefits exist now, they pay a pittance, and they may not be around forever. The saddest part is that for people approaching retirement, they can do a little to avert poverty if they have not saved enough.
If you are still in your twenties and early thirties, the good news is that you can still write your own future. Unlike those approaching retirement, you have a critical supply of the ultimate precious resource : TIME
As you will see in this book, actions you take early on resonate and amplify throughout the years so that small steps taken now can pay big dividends (or cause huge hardships) later.
Think about where you want to be in 40 years, and then work backwards from that point. What does your life look like in your 50s? How about your 40s and 30s? Do you feel you are on the path to realize this vision? If you are feeling a bit insecure about your prospects, keep reading.
Personal finance class is in session.
How to Get Smart on Personal Finance
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