"cecd605309353b2b4cdff71684941cf90a7e721c3e6bc7f223c74ef7b5141e478"

"If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh"

"123 13 If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh"

"cecd605309353b2b4cdff71684941cf90a7e721c3e6bc7f223c74ef7b5141e477"

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"cecd605309353b2b4cdff71684941cf90a7e721c3e6bc7f223c74ef7b5141e476"

"If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh"

"If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice whIf you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh If you’re tired of what you’re doing, or you’re not making enough, it’s\nsimply a case of changing the formula via which you make money.\nYears ago, when I was 26, I took a weekend class called “How to Buy\nReal Estate Foreclosures.” I learned a formula. The next trick was to have\nthe discipline to actually put into action what I had learned. That is where\nmost people stop. For three years, while working for Xerox, I spent my\nspare time learning to master the art of buying foreclosures. I’ve made\nseveral million dollars using that formula.\nSo after I mastered that formula, I went in search of other formulas. For\nmany of the classes, I did not directly use the information I learned, but I\nalways learned something new.\nI have attended classes designed for derivative traders, commodity\noption traders, and chaologists. I was way out of my league, being in a\nroom full of people with doctorates in nuclear physics and space science.\nYet, I learned a lot that made my stock and real estate investing more\nmeaningful and lucrative.\nMost junior colleges and community colleges have classes on financial\nplanning and buying traditional investments. They are good places to start,\nbut I always search for a faster formula. That is why, on a fairly regular\nbasis, I make more in a day than many people will make in their lifetime.\nAnother side note: In today’s fast-changing world, it’s not so much what\nyou know anymore that counts, because often what you know is old. It is\nhow fast you learn. That skill is priceless. It’s priceless in finding faster\nformulas—recipes, if you will—for making dough. Working hard for\nmoney is an old formula born in the day of cavemen.\n5. Pay yourself first: the power of self-discipline\nIf you cannot get control of yourself, do not try to get rich. It makes no\nsense to invest, make money, and blow it. It is the lack of self-discipline\nthat causes most lottery winners to go broke soon after winning millions. It\nis the lack of self-discipline that causes people who get a raise to\nimmediately go out and buy a new car or take a cruise.\nIt is difficult to say which of the 10 steps is the most important. But of\nall the steps, this step is probably the most difficult to master if it is not\nalready a part of your makeup. I would venture to say that personal self-\ndiscipline is the number-one delineating factor between the rich, the poor,\nand the middle class.\nSimply put, people who have low self-esteem and low tolerance for\nfinancial pressure can never be rich. As I have said, a lesson learned from\nmy rich dad was that the world will push you around. The world pushes\npeople around, not because other people are bullies, but because the\nindividual lacks internal control and discipline. People who lack internal\nfortitude often become victims of those who have self-discipline.\nIn the entrepreneur classes I teach, I constantly remind people to not\nfocus on their product, service, or widget, but to focus on developing\nmanagement skills. The three most important management skills necessary\nto start your own business are management of:\n1. Cash flow\n2. People\n3. Personal time\nI would say the skills to manage these three apply to anything, not just\nentrepreneurs. The three matter in the way you live your life as an\nindividual, or as part of a family, a business, a charitable organization, a\ncity, or a nation.\nEach of these skills is enhanced by the mastery of self-discipline. I do\nnot take the saying, “Pay yourself first,” lightly.\nThe statement, “Pay yourself first,” comes from George Clason’s book,\nThe Richest Man in Babylon. Millions of copies have been sold. But while\nmillions of people freely repeat that powerful statement, few follow the\nadvice. As I said, financial literacy allows one to read numbers, and\nnumbers tell the story. By looking at a person’s income statement and\nbalance sheet, I can readily see if people who spout the words, “Pay\nyourself first,” actually practice wh"

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