The shortest path to financial independence. The Path to Financial Independence - book review

Bodo Schaefer

The path to financial freedom

Translated from German by S.E. Borich according to the publication: DER WEG ZUR FINANZIELLEN FREIHEIT / Bodo Schäfer. - Actualisierte Neuausgabe. – München: Deutscher Taschenbuch Verlag GmbH & Co. KG, 2003.

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Preface to the new edition

For many people, there is a gap between dreams and a sense of reality. And they think it's completely normal. To put an end to this misconception, in 1997 I wrote the book Path to Financial Freedom.

I wanted this book to touch the hearts of readers and show them the way to the riches that our life is fraught with, including money. I wanted to demonstrate in it that wealth is a right given to us from birth. A decent life in an environment of financial freedom is our natural destiny. In this new edition, I want to reinforce your belief in this possibility. Two major developments have taken place since the publication of the first edition.

First, we have witnessed another exchange cycle. The stock price collapsed, and then went up sharply, only to collapse again. This is a completely normal course of things, and such events have happened more than once. However, in the course of them, many people lose money because they are not familiar with the basic financial laws.

To better prepare people for future stock cycles, I have rewritten chapters 10 and 11. First, I showed in them how important it is to prepare in time for unfavorable years. It would be wrong to believe that only good times await us all the time. Secondly, I provide a list of basic principles that investors need to know. Third, I challenge you to make important decisions that precede successful investment. Of course, handling money and securities is not difficult when the entire economy and stock markets are booming. But in life everything happens differently. Therefore, my advice is: learn to see the chances and opportunities not only in good times, but also in bad times. This book will help you with this. It is designed not only for periods of good weather and will accompany you all your life. Follow the truths in it, many of which are thousands of years old, and money will become a force that will keep you alive.

Something else has happened since the book was written. Obviously, in the first edition, I really managed to reach the hearts of many people. To date, more than 2.5 million copies of the book have been sold, it has been translated into about 20 languages and has become one of the world's bestsellers of the last 50 years. However, for me, more than 36 thousand (!) Letters received from readers are of much greater importance. The success stories of these people are simply amazing. Since they took up the topic of money, amazing changes have taken place in their lives.

Most of these letters can be reduced to a simple and at the same time amazing thought. When the movement of money begins in your life, they often come to you so quickly and in such quantity that you involuntarily ask yourself: “Where were they before that?” I want this story to be repeated with you, and I will be glad to receive your letters.

Sincerely, Bodo Schaefer

Introduction

Do you know what stops most people from living the life they dream of? Money, and only money. After all, money is a symbol of a certain attitude to life, a measure of the way of thinking. They do not appear in our lives by chance. Here we are talking, rather, about some form of energy. The more energy we invest in some really important things, the more money we have. Truly successful people have the ability to make money. Some keep them for themselves, others use them for the benefit of people. But they all know how to attract money to themselves.

Do you know when money is of particular importance? When they are not enough. If a person has problems with money, then he thinks too much about them. It is necessary to thoroughly understand this topic, and then money will be a good help to you in all life endeavors.

Each of us dreams of something. Everyone has ideas about how to live and what he deserves in this life. At the bottom of our hearts, we all believe that great things await us that will improve this world. But too often one has to watch how dreams wither away under the influence of everyday routine and life realities. Many people forget that a place under the sun was originally intended for them, believing that they do not have the strength to free themselves from everyday worries.

We often put ourselves in the position of the victim. We make compromises, and before we know it, life passes us by. Often people blame their financial situation for not being able to live the life they want.

For more than 10 years I have been dealing with the problems of money, success and happiness. During this time, I learned to look at money with different eyes. They can prevent us from reaching our full potential, or they can help us to do so.

There are several opportunities to earn your first million. They fit into the four strategies described in this book:

1. You save a certain percentage of your earnings.

2. You invest the money you save.

3. You increase your income.

4. You save a certain percentage of the increased income.

If you do this, then depending on where you are in your financial situation at the moment, in 15 to 20 years you will have one or two million. And it's not a miracle. If you want to make your first million faster (say, in seven years), then you will need to put more of the strategies in this book into practice. Each strategy you master will get you closer to your goal faster.

How to become a wealthy person in seven years? You obviously already guess that in this case we are not talking about some specific amount of money that you would like to have, but about the person that you should become.

Of course, the path to financial freedom will not always be easy. However, living in financial dependence is even more difficult. If you follow the recommendations in this book, you will surely reach your goal. In my seminars, I have led thousands of people on this path and constantly observe how the knowledge gained literally changes their lives.

Please do not think that just purchasing this book will help you achieve prosperity. Even if you read it, it does not mean that you will get rich. You must work hard on this book and assimilate its content deeply. Only in this case, it will help to discover the treasure that is hidden inside you.

Let's hit the road together. First, decide on your current financial situation. The following pages are devoted to introspection. Please read the book only after you have determined exactly what your financial situation is.

I sincerely hope that this book will not only make you rich, but also touch other deep and important strings in your soul. I do not know you personally, but I know that if you hold this book in your hands, then you are a very special person who is not content with the status quo. You are a person who wants to write his own story. You want to build your own future and get more out of life. I sincerely wish that this book will help you in this.

Sincerely, Bodo Schaefer

Analysis. How are your finances?

Attention! Please do not start reading the book until you have answered the following questions in writing.

1. How do you assess the level of your income?

Fine

Very well

Satisfactorily

mediocre

Bodo SCHEFER

"The Path to Financial Independence"

First million in 7 years

The main thing - wisdom: get wisdom, and with all your possessions get understanding. Appreciate her highly, and she will exalt you; she will glorify you if you cling to her; He will put a beautiful wreath on your head, he will bring you a magnificent crown.

From the Book of PARABLES OF SOLOMON (chapter IV, 7-9)

From the editor of the Russian edition

The book you are holding in your hands is a revelation. Revelation from Bodo Schaefer, a German millionaire who came to lasting prosperity in the shortest way - through savings and extraordinary thinking. Let's clarify: he started, as they say, from scratch.

"The Path to Financial Independence" is not just a summation of experience, practical advice, etc. etc., thanks to which one can gain well-being.

A person cannot be happy alone. Only by making others happy, he himself will be happy. Bodo Schaefer argues that money in good hands makes not only its owner happy, but society as a whole. This is perhaps the main idea of the book.

The conceptual way of thinking used by the author to consider rather complex and dry economic categories gives us reason to believe that this book has a direct bearing on the philosophy of economics. For all that, "The Path to Financial Independence" is written in a common language, with humor and not without brilliance. All this makes this book a fascinating bestseller in the field of economic knowledge. We can only add that the book by Bodo Schaefer, a writer and businessman, is aimed at the general reader, so that, having reconsidered his attitude to money, he, this reader, can build his happy future without postponing the implementation of intentions and plans for an uncertain tomorrow. You should start today - right after you open the first page.

And one more thing: for the reader who has mastered this work and has not begun the path to financial independence, there will be nothing left that would justify his inaction.

Gratitude

Outstanding achievements are always the result of remarkable collaboration between different people.

I had the good fortune to learn from people who are truly unique. Unfortunately, it is not possible for me to list them here, but my gratitude goes out to all together. However, some I would like to name by name, as they have had the greatest influence on me. This priest, Dr. Winfried Noak, Peter Hevelman, my first mentor, who taught me the basics of success and taught me the joys of trusting relationships, an unsurpassed conversationalist Shamie Dillon, and billionaire Senator Daniel S. Peña, who introduced me to the world of big money.

This book is the result of my contacts with them and the constructive help of the editors of the Campus publishing house: Ms. Querfurt and Mr. Schickerling. It was not easy with them, but it is known that this is exactly what is required for personal development.

I want to express my special gratitude to the participants of my seminars, who gave me a significant positive impetus. I would like to highlight our commercial director, Mr. Jeroen Vetter, with his constant participation and unparalleled skill, who made our seminars accessible to an increasing number of people.

Last but not least, my thanks go to my partner Cecile, who has energized me for my ventures and supported my dreams. Thanks to her, I experienced a lot sharper, deeper and more conscious.

Foreword

Do you know what prevents most people from living the life they dream of? Money and more money! Money is a symbol of a certain attitude to life, a measure of success in life. But money does not come to us by accident. We can say that in money matters we are talking about some form of energy: the more this energy we direct to really important goals, the more money we will receive. Really successful people have the ability to accumulate large amounts of money. Some only save and multiply them for themselves, others use them to serve society and their neighbor. But they all know how to make money work.

We must not exaggerate the importance of money. But do you know when money becomes especially important? When they are not enough. Whoever has big money problems has to think a lot about them. We must deal with this issue thoroughly enough to resolve it once and for all. And from that moment on, money will become your support in all spheres of life.

Everyone has dreams. We have a certain idea of how we want to live and what is due to us in life. We believe in our hearts that we can fulfill some special purpose that will improve this world. But all too often I see how the daily routine gradually stifles such dreams. Many people forget that they also have a place under the sun. They simply do not believe in themselves and that they can become independent.

We are often victims of ourselves. We make compromises - and before we realize our mistake, life has pretty much passed us by. And many people often shift the responsibility for the fact that they do not live the way they would like to, on financial circumstances.

For more than ten years I have been dealing with issues such as money, success, happiness. I have learned to see money differently: money can save us from running out of vitality, it helps us to be the best we can be.

I am at your disposal with my book - in the role of your private mentor. I would like to convey what I have learned and experienced myself. I would like to teach you how to create some kind of magic machine to receive money. Owning money means, first of all, being able to lead a much freer and more independent lifestyle. When I realized this, a deep need arose in me to pass on my knowledge to others. I made a promise to myself to support everyone I come into contact with on their journey to financial independence. Just as you can learn to fly, dive, or program, you can learn to create wealth. And there are a few important standard tricks to help you with this.

There are several opportunities to earn the first million. These possibilities describe the four strategies presented in the book:

1. You save a certain percentage of your income.

2. You invest the money you save.

3. You increase your income.

4. You save a certain percentage of each revenue increase achieved.

If you follow these tips, then, depending on your current financial situation, in fifteen to twenty years you will become the owner of property in one or two million. And it's not a miracle at all! If you want to make your first million faster (for example, in seven years), then you must apply all the strategies described in this book. And the more you apply them, the sooner you will reach your goal.

How can you become wealthy in seven years? You already foresee that it is not only about the amount of X that you want to own, but also about the person that you will become by that time.

It will not always be easy for you to move towards financial independence. However, it is much harder to live being financially dependent. If you follow the directions in this book, you will surely reach your goal. I have helped many thousands of people who have attended my seminars along the way. I see again and again how this knowledge transforms people.

But I ask you not to think that the mere possession of this book will allow you to become wealthy. It is also true that even studying it does not promise you wealth. You must not only work with this book, but also make it a part of you. Only this will lead to the release of your inner energy and help you achieve your goal.

Now let's start our journey together. First of all, assess your financial situation. On the following pages you will find instructions on how to carry out such an analysis.

Start reading the book only after you have established exactly what you have.

I sincerely hope that this book will not only help you become rich, but will touch you in the most profound way. I don't know you personally. However, I know that if you hold this book in your hands, then you must be a very special person. A person who is not ready to be satisfied with what circumstances offer him, who wants to write the story of his life himself. Such people create their future as an artist creates a work of art, and I wish with all my heart that my book would contribute to the creation of your masterpiece.

Sincerely yours, Bodo Schaefer.

We live in a material world where almost everything has a price. No matter what they say, everyone needs money, and without it a person cannot survive in the harsh reality. But not everyone is fully provided with currency, and that is why people often become hostages of the financial crisis. If you dream of earning a lot and fully satisfying your needs, if you do not know how to spend and save rationally, then book by Bodo Schaefer "The Path to Financial Freedom" You just need.

Free download "The Path to Financial Freedom" in fb2, epub, pdf, txt, doc - book by Bodo Schaefer you can follow the link below

What is The Path to Financial Freedom about?

All dreams can be easily translated into reality. This is the position taken by the world-famous financial consultant, author of the book The Path to Financial Freedom by Bodo Schaefer. The author insists that people improve their financial literacy, because it is this knowledge that should form the basis of an individual financial system that will generate income all the remaining days.

Bodo Schaefer rose from an absolute bankrupt to the top of the financial pyramid, and today his name is known to almost everyone. Simple techniques, a couple of effective strategies and applying advice from a financial expert in practice - this is a universal recipe for creating start-up capital.

Also, on Knigopoisk you can listen to an audiobook or read online "The Path to Financial Freedom" without registration

What does The Path to Financial Freedom teach?

In "The Path to Financial Freedom" by Bodo Schaefer tells how to get rid of the shackles of the financial crisis and stop feeling its noose on your own neck every day. The author shares the unique knowledge that he developed personally, at the cost of his mistakes and victories. All the strategies and techniques that are proposed in the book, Bodo Schaefer personally used when his dream was on the verge of destruction, and life was confidently heading into the abyss. But he did not lose his head and began to work, which he wishes for you.

All the information proposed by the author is literally laid out on the shelves. The reader will learn what he needs to do in a given financial situation, how to overcome the crisis and how to gain financial freedom. If you are interested in illegal ways to obtain material wealth, then this book will not suit you. Only hard work, practice and self-confidence are the main tools from Mr. Schaefer.

All the methods of Bodo Schaefer work! This is proved by the glory of the author himself, as one of the most famous expert in monetary matters, as well as enthusiastic fans of his work, who have already embarked on the path of financial ease or have found it.

Who is the book for?

The book "The Path to Financial Freedom" will be welcome in every home. The information is universal in nature and is suitable for anyone who wants to break off relations with a material crisis.

Chapter 1
What do you really want?

You've been looking too long. Now give up seeking and learn to find.

Heinz Kerner, "John"

The classic conflict lies in the difference between what we feel in our souls and how we actually live. Our idea of how we should live and reality are often as different as day and night.

Each of us has a need for spiritual growth in order to be happy. Deep down, we all want to change this world for the better. And we all want to believe that we deserve a really good life.

What are our chances of becoming wealthy?

What prevents us from living the life we want? What is preventing you from achieving what you want? Naturally, most of us live in an environment that is not very prosperous. Our government sets a bad example for its citizens by getting deeper into debt every year. And to pay the interest on the growing public debt, it raises taxes.

School education does not give us answers to the most important questions: "How to make your life happy?" and “How to become wealthy?” We learn in school that Attila fought in the Catalaunian fields in 451, but we don't learn how to earn - and as quickly as possible - his first million. Who is to teach us how to become wealthy? Our parents? Most of us don't have rich parents. And therefore their advice regarding the achievement of true prosperity is very meager. Add to this the fact that our society encourages excessive consumption, and acquaintances and friends often cannot support us. Thus, something disappears from the lives of many people, which I consider as the innate right of everyone to be happy and wealthy.

Thinking about my life today, I feel a deep satisfaction. I live exactly the way I dreamed, and I am financially independent. But it was not always so. Like most people, I also had a time when self-doubt led me into confusion and paralyzed my will.

Strong experiences shape our character

We have all been in situations that have had a profound effect on us. And these foundational moments have changed our worldview and our opinion about people, opportunities, money and the world. They have changed our lives - for better or for worse.

I was six years old when I had an experience that influenced my relationship with money. My father was admitted to the hospital with cirrhosis of the liver. He had to lie there for a whole year, because he needed absolute peace. Doctors even advised him not to read.

One day I heard the doctor remark to my mother that he had never seen a patient who had so many visitors. At least six people visited my father every day, although complete rest was prescribed for him. So we learned that my father continued to work in the hospital. He was a lawyer, and along with the main, paid work, there was something in his life that he called "practice for the poor." He advised the poor for free.

My mother immediately called my father to account. He must stop working, otherwise he will not leave the hospital alive. Doctors also appealed to his prudence. But the father was stubborn and continued to do what he saw fit.

I often sat by his bed for hours and listened to what his visitors told him. And you know what? It was always about money, people always complained about their lack. And circumstances or other people were always to blame. I did not understand the legal intricacies of the cases, and therefore it seemed to me that I heard the same story over and over again: money problems, money problems, money problems ... At first it was interesting to listen to. But it soon got on my nerves. I grew disgusted with poverty. Poverty makes people unhappy. She makes them look for my father even in the hospital room and, bowing low, beg him for help. I wanted to be wealthy. And I made a firm decision to become a millionaire by the age of thirty.

One Solution Is Not Enough

However, this is not the beginning of my success story. Although I reached my goal by the age of thirty, but five years before that I was in debt, I was 18 kilograms overweight, and I doubted my abilities. A tense financial situation has made money the center of my life.

After all, money always has exactly the value that we attach to it. And during the period when you have financial problems, too much importance is attached to money.

Of course it's me hoped that everything will change for the better. Somehow everything will work out. But nothing happens if we only hope and do nothing. Hope is a sedative for the intellect, an ingenious self-deception. Who or what do we rely on? On God or fate? But God is definitely not a cosmic babysitter who rewards us for inaction. The old saying is right: "All fools and fools live in expectation and hope."

Our moral values must match our goals

I was in despair. How was it that I was earning quite a lot of money and yet was in debt? And when I finally found the answer to this question, I was amazed. It turns out that deep down I did not believe that money is good. I sabotaged my own efforts to succeed.

After eight years of illness, my father died, and people said that he tortured himself with work. In no case did I want to torture myself with work. On the other hand, I did not want to be like the poor people who came to my father in the hospital to beg for legal protection. I wanted to be rich and, if possible, do nothing for it.

Added to this was the fact that my mother, after the death of my father, went into religion. She was firmly convinced that "it is more likely that a camel will go through the eye of a needle than a rich man will go to heaven." On the one hand, I thought it was commendable to be poor. On the other hand, I wanted to be rich because I was disgusted by poverty.

Thus, I was torn between two opposing aspirations. And until I resolved this conflict, I was treading water.

Anyway, I was trying get rich. But there is always something that keeps us from taking concrete action. We leave the emergency exit open. The one who tries to do something but doesn't really want to do it is waiting for an obstacle that will allow him to give up his attempts and not change anything. We wait for disruption because we don't really believe that change is good for us and that we're strong enough to handle it.

Optimism and self-confidence

Put all your optimism aside for a moment. I will gladly explain to you the reason for this requirement. Optimism is undoubtedly a good quality that helps you see the positive aspects in everything. However, if optimism is not associated with other personality traits, little will budge. Optimism is often and unreasonably confused with self-confidence.

While optimism allows you to see the positive, believing in yourself gives you the confidence to deal with the negative. Life is not a symphony consisting only of light and joyful notes; it also has dark notes. Who is confident in himself should not be afraid of difficult situations.

Self-confident is the one who, based on his own past, knows that he can rely on himself. A self-confident person will not let anything and no one stop him, because knows that can overcome all obstacles. He proved it often enough. How you can build self-confidence in a short amount of time, you will learn in Chapter 3.

Your money is extremely important for developing self-confidence. Money does not allow indulging in unjustified optimism. The status of your account is read clearly and leaves no room for beautiful conversations. So, if you want to increase your self-confidence, you must regulate your financial situation. Your money should be proof to you that you can achieve more in life.

You should not allow your financial situation to deprive you of self-confidence, because without such confidence you drag out a miserable existence. You will never know what is hidden in you. You won't risk anything. You are not growing as a person. You don't do what you can do. You are not using your full potential. A person without faith in himself does nothing, he has nothing, and he is nothing.

All this has nothing to do with optimism. A look at the balance should prove to you that your money is the support in your life. Looking at your finances should give you a sense of confidence in your own abilities.

This book will focus on how to adjust your financial situation so that your money does not work against you, but for you. Money can make your life difficult, but it can also make it easier.

What are your financial circumstances?

Do you think you are capable of more? Do you think that "it" does not satisfy you? Do you deserve more than what you currently have? Is achieving prosperity only a matter of time?

So, put your optimism aside for a moment. How has your wealth grown in the last seven years? Write down the amount by which your property has increased or decreased over the past seven years: _______ marks.

Such numbers are very sobering, but there is another important circumstance. If you continue to live as you have lived until now, then in another seven years you will see approximately the same number. And this trend will continue in the coming years. But if you want different results, then you have to do something. You must go on new paths - and you should start with your way of thinking.

Your way of thinking has made you what you are today. But it will not lead you to the goal that you would like to achieve.

What do you think about money? You are constantly in dialogue with yourself. If you secretly believe that money is bad, you have no chance of becoming wealthy. So what are your actual thoughts? We will find out in chapter 5.

You will find out how you feel about money in the depths of your soul. And you will learn how you can change your views.

Money is good!

At the age of 26, I met a man who taught me the principles of wealth. In just four years, I was able to live off the interest on my money. It became possible so quickly because my dreams, moral values, goals and strategies finally came into harmony with each other.

Believe it or not, money changes a lot in life. Money won't solve all your problems, and of course, money isn't everything. But cash difficulties cast a shadow on your happiness. Money will help you solve other problems more gracefully. You will have the opportunity to meet new people and visit new places, do more exciting work. You will become more confident in yourself and get more recognition from others. You will get completely new, previously unknown opportunities.

Five areas of our life

For simplicity, I divide our daily life into five areas: health, finances, connections, emotions, and the meaning of life. All five areas are equally important.

Without health, everything else is worthless. Those who do not control their emotions lack the motivation to complete the work they have begun. Good connections are like salt in soup. By the meaning of life, I mean the opportunity to do what really gives you pleasure, which is more in line with your talent and helps other people. And our financial situation is very important. You should never do things for the sake of money that do not give you any pleasure. Therefore, you need what I call financial independence.

You can compare each of the five areas of your life with the fingers of your hand. Suppose your finances are the middle finger that has just been hit hard with a hammer. Would you say, “No problem, it's just a finger. I have four others...?” Or will you be busy only with the finger that hurts?

It is important that all five areas of life are in harmony with each other. And you must bring each of them to perfection. One who has money problems has not reached balance. And money troubles will always cast a shadow over all other areas. Money is an important element in life balance.

How do people become wealthy in a short time? This is because they want to own enough money to work for them. Because they want to have a "money machine" instead of being a "money machine" all their lives for others. Because they want to have enough money to maintain the right balance in life.

Do you know why most people don't do what they really enjoy? Because they don't have enough money. A vicious circle is formed: people do not do what gives them pleasure, because they do not know how this business can make money. But no one has ever made real money doing something they don't like. Due to lack of funds, people continue to do things that they do not like, and therefore cannot earn good money.

The solution to the problem is this: take your favorite hobby and build a career on it. However, this can only be achieved when you give yourself time to analyze what you really enjoy and in what area you have talent.

Many years ago, in New York, I met a very wealthy man who had a saying hanging over his desk: "He who works all day has no time to make money." Obviously, the implication was that you should also give yourself time to think. When I asked him what to meditate on, he replied: “Know yourself and find out what gives you pleasure. And then think about how you can make money from it. Ask yourself this question every day and every day look for the best answer.”

Are you optimizing or minimizing?

We need time to figure out what brings us joy. Because only when we do something that fills us with passion and enthusiasm, we are really good. Then the money seems to flow to us by itself. We need time to discover our talents and develop our abilities. We need time to write the script of our life and try to make it a real masterpiece. Anyone who has not found time for this is wasting his life. And we need time to make fundamental decisions and to commit ourselves to act in accordance with the decisions made. Thus, each person must one day consciously decide whether he will try to optimize his life or whether his life will be minimized.

To optimize your life means to learn how to use your time, your opportunities, your talents, your money, and also other people optimally. It's about always achieving the best possible result. If you want to optimize your life, you must constantly strive to be the best you can be.

Most people, however, go through life rather haphazardly and minimize it. Such people live under the motto: "The day has passed - and okay." The work week is an unpleasant break between the weekend for them. They work to earn money, not to find satisfaction in their work. They do not recognize either their talents or the opportunities that arise before them.

Planning is the alpha and omega

Many people plan their vacation much more thoroughly than life. There are, however, only two possibilities: either you plan your life yourself, or others will do it for you.

Many have attempted planning several times and yet failed. Someone once said: “The more I plan, the more chance interferes with me. Therefore, I stopped making plans and do not suffer so much from accidents now. However, there is a very simple reason why so many people fail to carry out their plans: they do not tie together their dreams, goals, moral values and strategies.

Professor Thomas Stanley of Georgia State University in the United States has spent twelve years researching the lives of the wealthy. And he came to the conclusion that the rich belong to the most satisfied people in the world, as their dreams, goals, moral values and strategies are consistent with each other.

Dreams, goals, moral values and strategies - these four pillars are the foundation of the actions necessary to build wealth. After all, what you do in life, first of all, does not depend on iron discipline, but on dreams, goals, values and strategies.

These four pillars will be dealt with constantly in later chapters. This is how you build the foundation for achieving prosperity within seven years. It may seem incredible what a person is capable of when he brings these four forces into harmony.

Your dreams

Your dreams are a good indication of what will make you happy. Think about what you would do if you had enough time and money. You will be amazed to see that most of your desires require money to fulfill.

Your Goals

Based on your desires, formulate your goals. This requires a conscious decision. Until we decide, everything remains just a dream. So ask yourself what you want to be, what you want to do and what you want to have. Later in this book, you will find a very simple way to achieve clarity in your goals and make conscious decisions.

your moral values

Now we come to a very important point: Your dreams and goals must be in line with your moral values. Ask yourself: What do I really want? What is really important to me? In chapter 5 you will find out what you think about money. Your moral values are by no means immutable. It's a set of possibilities. First, the choice is made for us. We learn moral values under the influence of parents and environment.

But today you are free to choose your own values. Moral values are not final. Some of your values under the pressure of life circumstances come into conflict with each other - as it was with me. Remember: on the one hand, I wanted to be rich, on the other hand, I thought that for this I had to torture myself with work. If our values and goals pull us in different directions at the same time, we are marking time. Therefore, it is very important that your moral values are consistent with your goals. How to achieve this is described in Chapter 5. Only by making a conscious decision about what moral values you will allow to guide you, you will be able to control your life.

Your strategies

If your dreams, goals and moral values are aligned with each other, you must develop strategies that will help you act correctly. Strategies that will make you rich you will find in this book. I would like to make a small overview of these strategies.

What to do if you have debt is described in Chapter 6.

You need to know how to carry out your plans and have the ability to do so. You must know how you can get the money you want to have, how you can significantly increase your income. You will learn more about this in Chapter 7.

By reading chapter 8, you will learn how to save your money; After all, a high income alone will not make you rich. Only the money you save will make you rich.

You will learn in chapters 9, 10 and 11 how you can multiply money.

How to plan your financial goals in detail is written in Chapter 12.

Finally, we will try to help you implement your own plan. You need someone to show you how to get rich. How to find such a person, read in chapter 13. There you will also learn how to create an optimal environment for yourself that will guarantee the achievement of your goals - an environment that will make you last to the end.

But that's not all. Chapter 14 will show you what the difference is between success and happiness. You are successful if you get what you want. You have achieved happiness if you love what you have received. So I will show you how you can make the best use of your money.

But first we will deal with what is necessary to achieve wealth. In chapter 3 you will see how you can perform a real miracle.

It seems that getting rich is easy. But if this is the case, you need to ask yourself why there are not so many rich people. Chapter 4 explains this.

First of all, however, I would like to discuss with you in the next chapter a concept that is very important for achieving wealth and happiness. Until we figure out how to take full control of our lives, we are just weak victims of circumstances. It all starts with the determination to keep your destiny in your own hands.

So, let's get started creating your wealth. You can be rich in seven years. Or maybe even earlier...

Key Ideas

Money always has exactly the meaning that we attach to it. And during the period when you have financial problems, too much importance is attached to money.

Our moral values and our goals must be in harmony with each other, otherwise we are marking time.

Optimism allows you to see the bright side in everything. Believing in yourself gives you the confidence to deal with the darker sides of life.

He is confident in himself who finds evidence in his own past that he can rely on himself.

Your way of thinking made you what you are. But it cannot take you where you would like to be.

Success means you are the best you can be. Happiness means that you like yourself the way you have become.

Financial problems will always cast a shadow over all other areas of life.

Decide for yourself whether you want to own a "money machine" or be a lifelong "money machine" for others.

Build a career on your favorite hobby.

Whoever works all day has no time to earn money.

Only if you consciously decide what moral values you will allow to guide you, you will be able to control your life.

What you do in life depends primarily not on iron discipline, but on dreams, goals, moral values and strategies.