"RETIRE
YOUNG RETIRE RICH" byRobert Kiyosaki
Buy
This Book
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Additional thought
of Graham White in highlights.
There
is a great deal of information in this book that I have not
attempted to condense. If
you want to gain control over your financial future - buy
this book.
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How
do you determine what's important for your life?
The problem with
having a job is that it gets in the way of getting rich. You
need to find a way to develop a schedule and lifestyle so that you can educate
yourself financially. You will have the opportunity to work with more as
you demonstrate your ability to manage more.
Once
you have developed a little bit of freedom with time and money, if you have
developed the financial education you can begin working towards working less
and having your money work more.
-Earned income is
the income that you work the hardest for and you are allowed to keep the least
of.
-If you do not have
a plan for your money after you die, then the government does.
-The most expensive
advice you can receive is free advice. It is the advice from your
friends and relatives who are not rich and have no plans on becoming rich.
-Money in savings
will help you be safe and secure, not rich.
If you can retire
18 years early, it's like getting an extra 18 years added on to your
life. How much is 18 years of life worth to you? Is it worth the
effort to become financially free earlier than 65?
-
How long
would it take you to save $1 million? How long would it take
you to borrow $1 million?
-
Who is going
to get richer in the long run? Someone who works all their lives
trying to save a million dollars or someone who knows how to borrow a
million dollars at 10% interest and also knows how to invest in and
receive 25% return on that borrowed million?
-
To whom would
a bank rather lend money: Someone who works hard for money, or someone who
knows how to borrow money and have that money safely and intelligently
work hard for them?
-
Who would you
have to be and what would you have to know in order to call your banker
and say, "I want to borrow a million dollars." Then have
the banker say, "I will have the papers ready for you to sign in 20
minutes."
-
Why does the government
tax your savings but give you a tax break for being in debt?
-
Who has
to be financially smarter and better financially educated? A person
with a million dollars in savings or a person with a million dollars in
debt?
-
Who has to be
financially smarter with money? Someone who works hard for money or
someone who has money work hard for him?
-
If you had a
choice of education, would you choose to go to a school to learn how to work
hard for money, or would you rather go to school to learn how to have
money work hard for you?"
-
Why is it
that a banker will gladly lend you money to speculate in real estate, but
will hesitate to lend you money to speculate in the stock market?
-
Why do the
people who work the hardest and save the most pay more in taxes
than people who work less and borrow more?
When it comes to
work, money, savings and debt it is obvious that there are different points of
view. The poor and middle class have a hard time getting rich because
they try to use their own money to get rich. If you want to get rich,
you need to know how to use other people's money to get rich...not your own.
Leverage
means the ability to do more with less. People who only work hard have
limited leverage. If you're working hard physically and not
getting ahead financially, then you're probably someone else's leverage.
If you have money sitting in the bank in your savings account or retirement
account, then others are using your money as their leverage.
There is good debt
and bad debt. Good debt makes you rich and bad debt make you poor.
It is ironic that
the poor and the middle class think of the financial tools of leverage as too
risky. Because they think that financial leverage is too risky, most
people do not utilize the faster tools of financial leverage. Rather
than utilize the financial leverage the rich use, the poor and middle class
tend to use physical leverage to get ahead. Physical leverage is
also know as hard work. The rich get richer primarily because they use
the financial tools of leverage and the poor and middle class do not...at
least not in the same way the rich use the same tools.
Find
The Leverage That Works For You
Time is an
important leverage. Once people begin to fall behind financially, it is
often difficult to find the time to get ahead in life. If a person is
playing financial catch-up, it is difficult to be prepared to take advantage
of opportunities that pop up in front of them. I often hear people say,
"He got lucky because he was in the right place at the right
time." I think a more accurate statement is, "He got lucky
because he was educated, experienced, ready, and prepared to take advantage of
the opportunity when the opportunity presented itself."
You
will have the opportunity to work with more as you demonstrate your ability to
manage more.
Education is
also leverage, but be careful you don't get it at the expense of your
financial future. Coming out of school with a huge student loan and a
mountain of consumer debt is one sure way to torpedo the advantage of an early
start. You graduate with a degree, but lack basic financial
education. A high paying job without financial education often means the
person gets deeper in debt faster than someone with a low paying job.
That is not too intelligent.
Advisors. Many
people do well financially because they have excellent financial
advisors. There are also many people who suffer financially because they
have incompetent financial advisors. The reason so many financial
advisors are called brokers is because they are often broker
than you. Be careful who you take advice from. The most expensive
advice is often free advice. It is the advice about money,
investments and business that you get from your poor friends and relatives.
Spare Time
is also leverage. Many people spend their time watching TV, shopping or
socializing with friends with no purpose other than having fun. Many
people become rich in their spare time, rather than at their job.
Hewlett-Packard and Ford Motor Company were started in garages and Dell
Computer was started in a dormitory room. A lawyer by day was a real
estate investor on the weekends. Today he donates his legal services for free
to charitable organizations and plays with his kids or plays golf
full-time. He just turned 39.
Language: If
you have the ability to translate your professional "language" into
language that anyone can understand, you can multiply your income many times
over.
The point at which
you stop adding more leverage defines your financial station in life.
The rich keep adding more and more leverage, which is why they get richer and
richer.
For many people in
the middle class, their academic and professional education is where their
education stopped. A college degree does not entitle you to stop
learning. The rich do not stop there. They add more leverage by
adding financial education to their list of more and more
leverage.
There are three
different kinds of education:
-
Academic or
scholastic education
-
Professional
education
-
Financial
Education
Ask yourself,
"How can I do what I do for more people with less work and
for a better price?" Today, the people who will win financially are
those willing to do more and more with less and less...not those who want to
be paid more and more for doing less and less.
Our school system
punished kids for making mistakes. Yet, if you look at how we learn, we
learn from our mistakes.
Many people ask me how
to do something. I used to tell them until I realized that even
after I told them how I did something they often did not do it. I then
realized that it was not the how but the why I do something that
is more important. It is the why that gives you the power to do
the how. The reason most people do not do what they can do is
because they do not have a strong enough why.
Passion is a
combination of love and hate. Unless someone has a passion for
something, it is difficult to accomplish anything. You may want to start
with a list comparing loves and hates.
LOVE
HATE
Buying anything I
want.
Not having what I want.
Expensive
Things
Cheap things
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After you have
defined your loves and hates, write down your "whys". Write
down your dreams, goals and plans on becoming financially free. Take at
least an hour each month to reflect on your life.
What you think is
real is your reality. Many arguments in life are caused by differences
in reality. Too many people make a lot of money, get cocky and start
another venture thinking the odds are going to be the same. The odds are
still the same, nine out of ten business fail.
If you believe you
can't be a millionaire, you can't. If you begin asking yourself,
"How can I be a millionaire?", your chances improve immediately.
A winning
strategy must include a plan for what to do if you lose. Most people
are not successful because they avoid failure at all costs. I have
personally learned more after I failed than before I
failed. Although it sometimes hurt, the healing process after the
failure is ultimately what provides more emotional and financial strength.
Don't
do anything if you can't afford to lose, no matter how good it looks or how
guaranteed. If you want to be successful in life, you need to
always be respectful of the odds, regardless of how successful you were in the
past. Every professional blackjack player knows that just because they
drew and ace and a king their last hand, it does not change the odds for their
next hand.
Losers are people
who think that losing is bad. Losers cannot afford to lose and often
avoid losing at all costs. Many losers bet only on sure things...sure
things such as job security, a steady paycheck, a guaranteed pension, and
interest from a bank account. Losers keep losing and winners keep
winning simply because winners know that losing is part of winning.
You don't become
rich by being cheap, frugal, not spending money, and scrimping. Most
people do not become financially strong with that type of behavior. A
person needs to spend more if they want to become rich...but they must know how
to spend and what to spend on in order to become
rich.
There are good
expenses and bad expenses. Most of us know that there is good food and
bad food. Bill Phillips (Oprah's trainer), encourages people to eat
more, not less. He recommends eating six meals a day if you want
to lose weight, gain strength and get back your health. He says that
many people who try to lose weight by starving themselves only starve for a
short time; during that time they lose muscle, not fat, and then they come
roaring back on a binge, which makes them fatter. They get fatter
since they now have more calories and less muscle to burn off the added
calories.
Just as a person
tries to lose weight by starving, a person who tries to get rich by being
cheap only gets financially weaker, and then suddenly they too go on a binge,
but it is not an eating binge, it is a spending binge.
WHAT
DO YOU THINK IS RISK?
The Middle
Class
The Rich
Job
security
Build a Business
A Big
House
Apartment Houses
Save
Money
Invest Money
The rich are
greedy
The rich are generous
The poor and middle
class work for job security, the rich work for investment security. The
poor and middle class put their money into safe secure investments. The
rich have developed their financial education to the degree that "higher
risk" ventures are not "risky" to them because they understand
the market. They call "diversification" "deworsification".
They believe that safe, secure, diversified investments are the best way to
NOT make any return on your investment.
The poor and middle
class spend their time looking for deals on consumer goods they
purchase. The rich spend their time looking for deals on good
investments. Both are essentially doing the same thing, but they
experience different realities. The poor and middle class view what the
rich are doing as risky. The rich view the poor and middle class as
risking their financial future by NOT investing the way they do.
The poor and middle
class SAVE money, while the rich INVEST money. It's not
their activities as much as their realities that create the difference.
What you think is real becomes your reality. If you place your faith in
job security, you will work hard at finding a good secure job and work your
entire life. If you place your faith in investments, you will work hard
to find ways of making your money work hard for you.
The rich learn
better and better ways to lower their taxes legally, the poor and middle class
either pay more and more as their wages increase, or they find ways to avoid
paying them (by working with cash they don't declare - which is illegal).
The poor and middle
class think that the rich are greedy. The poor and middle class believe
in their own system of seniority and tenure. For the most part, they do
the same work as the person next to them, they've just been doing it for 20
years longer, so they expect more pay for doing about the same amount of
work.
Does wanting more
money for the same amount of work seem greedy to you? Does wanting to be
paid bonuses, overtime or extra of the work is outside of the job description
seem greedy to you?
In the world of the
rich, that IS considered greedy. Imagine
if a business decided to charge you depending on the length of time they'd
been in business - a 10 year old business charging twice as much as a 5 year
old business. The rich believe in just the opposite - they do more and
more for less and less. Wal Mart is a perfect example: they do the most
for the least. They have to work very hard and very smart in order to
provide the same product at the best possible price. Do you fault them
for that? Do you think that their should be legislation so that their
prices are just as high as the mom & pop operations they are putting out
of business?
A similar sentiment
is faced by landlords. They work very hard to invest in and maintain
their properties so that people have somewhere affordable to live in the event
that they can't come up with a mortgage for their own home, yet many tenants
view their landlords as crooks (and certainly there are some that are, but the
vast majority are providing a very needed and beneficial service).
The fastest way to
become rich is to be able to change your reality faster. Most people
would rather be comfortable working hard all their lives rather than be
uncomfortable for a few years, working hard at changing their realities, and
taking the rest of their lives off. Become willing to be uncomfortable
and push yourself into new realities.
SECURITY
- Financial security is the goal. There are many different ways to be
secure. One is to be rich. What are other ways (Free Parking)?
Develop
a tool for calculating fixed expenses when you retire taking inflation into
account. Then compare it against current passive income and account for
inflation.
Cynics and fools
are twins on opposite sides of reality and possibility. Fools will
believe any far-fetched scheme and a cynic will criticize anything outside
their reality. A cynic's reality does not let anything new in and a
fool's reality does not have the ability to keep foolish ideas out.
Choose
your exit strategy first!
Very
few businesses I consulted to had an exit strategy. Even fewer people
have one for their life.
Once you have your
exit strategy you will know where to begin. It may mean giving up a few
weekends and watching a little less TV. It may mean that friends and
relatives who believe their only asset is hard work don't understand what
you're doing. If you are prepared to follow a disciplined schedule of
financial education and investment, you will reach whatever target you set.
Dreamers simply
dream. The rich create plans and build bridges to their dreams.
Ask yourself, "Is what I am doing today going to get me the financial
goal I want tomorrow?"
Planning
For The Future
Most people try to
solve their financial problems with what they know, rather than expanding what
they know so they can solve bigger problems. Rather than taking on
bigger financial challenges, most people wrestle all their lives with
financial problems they feel comfortable with. They remain poor rather
than risking learning about the unknown.
What you're doing
today is creating your future. The future doesn't just happen, you
create it, whether you're planning for it or not. Play the game every day. Whether
or not you have extra money to invest, you can still be looking at deals,
playing the stock market as if you had money and watching the results, viewing
properties as if you were going to buy them so that when you eventually can,
you know what you're looking for.
If you have no
capital, save money or invest your time by learning how to raise
capital. Raising capital is a skill. You must be prepared for
failure and rejection when attempting to raise capital. Assume
that you will fail often for the first while. Learn from every attempt
and don't burn any bridges in the process.
Begin learning the
words of investment. Develop the vocabulary so that you understand the
tools. Not using better words and tools is like a woodcutter saying,
"I don't care if I can chop more wood with a chain saw and make more
money. My dad gave me this axe and I plan on using this axe until the
day I die." Many people are using their parent's strategy for
building wealth and it is 40 years out of date.
Once you are
educated enough and have the means you will be able to take advantage of
whatever opportunity presents itself. If you wait until you have the
means, but haven't developed the education it will pass you by.
A saver simply puts
money into an account and does nothing else. an investor is a person who
actively manages his or her own portfolio or account.
Slow
Words
Fast Words
Save
Money
Make Money
Go To
School
Go To Seminars
Create
A Plan That Works For You
It's
amazing to think that someone decided what they were going to be when they
were 15 years old and stick with that job for the rest of their life.
How did they know the difference between a good job and a bad job? Can
you use reality in making a decision when you're so young? The same is
true in relationships and investing.
As
you get older and your situation changes, so does your relationship and the
things that are right for you to invest in. Even though you're married
to the same person, they have changed dramatically and so have you. Have
you changed your approach to the relationship along the way?
Don't
begin investing in something because your friend is doing it.
Knowing your genius and the unique way you learn is an important part of the
plan. If you don't like dealing
with people, don't get into real estate, or know that you'll need to hire a
management company to run your properties for you. NEVER invest more
than you can afford to lose on any one deal, no matter how good the
opportunity looks. NOTHING is guaranteed. The only type of
diversification that you really want is having so many different streams of
income, that if half of them fail at once, the other half are enough to pay
for your lifestyle.
How
To Predict The Future
It is
amazing how hard cleaning out your closet and updating your clothes is for
most people. Many people go out and buy new clothes, but they fail to
update them. They just buy new clothes from an old era, the era of their
life when life was fun and exciting or an era when they felt most
successful. Many people are so afraid of the future, and the possibility
that the future could be fun, hip, cool and exciting, that they would rather
stay stuck in the past.
We've
all seen the woman still wearing a beehive hairdo or the 40-year old driving
the Camero. A
person often gets frozen in time when they were most excited about life.
Do you spend your time remembering
"the good old days"? Are you caught in a fashion or financial
time-warp? Throw out your old wardrobe and get hip. It will change
the way you think and the way others relate to you. If you can change
your context to be excited about the opportunities in the future, you have a
better chance of retiring rich while you're still young.
For
many people, letting go of their past and stepping bravely into the
uncertainty of the future is much harder than becoming rich and retiring
young. For millions of people, it is safer and more secure to stay stuck
in the context, clothes, and collections of their parents and the past.
If you
want to see how the world will be in ten years, just watch a
fifteen-year-old. Observe the world from their eyes and you will see the
future. If you can let go of your vision of the world and actually see
the world from a younger person's point of view, you will see a much bigger
world, a world filled with tremendous change an abundance of opportunities yet
to come.
We
will soon see a high school teenager become a billionaire. There are
business and investment opportunities coming that will create bigger fortunes
than the automobile did for Henry Ford, oil did for John D. Rockefeller,
computers did for Bill Gates, and the Internet did for the founders of Yahoo,
AOL and Netscape. If you know a
young person you care about that believes they can only achieve what their
parents have done, make them aware of this reality.
Remember
to include enough of the past in your view of the future. Too
many people predicted the stock market would only go up. Dot-Com's and
Enron's brought this vision crashing back into reality. DON'T put all
your eggs in one basket and DON'T do what everyone else is doing. That
is a certain way to lose your investment.
Risk
Victims
tend to want to give control over their lives to someone else in order
to avoid taking risks. Then they get angry when they feel someone
abuses the control they granted the abuser in the first place. The group
that believes that someone else, a company or the government is responsible
for their lives are looking for security. The more a person seeks
security, the more that person gives up control over their
life.
The
Leverage Of Integrity
Integrity
means you are only as good as your word. If people know they can trust
you with the small agreements (not even the business ones, just saying you're
going to be somewhere at a certain time or that you'll do a favor and you do)
they will know you can be trusted to keep the BIG agreements. Too many
people have big plans but can't keep their small agreements. If you
cannot be trusted with small agreements, people will not help you make your
big dreams come true.
Continuous
Improvement
People
who work hard at being rugged individuals have to work much harder just to
maintain their autonomy. You
will become far richer than most people if you simply never stop learning and
expanding your reality about what is possible for your life. If life is
unfair to you, let it inspire you to work harder in order to be stronger to
deal with the setbacks.
No
matter what level of development you are at, it's always hard to move to the
next level. Your fear of the unknown and of failure is always a
challenge to overcome. If you make facing your fear and the unknown a
regular part of your life it becomes easier.
Starting
Off
In the
beginning you will likely start off slow. Eventually you will come
across an opportunity that will allow you to really take off. It may
seem to others to be a sudden surge of good fortune and new opportunities, yet
in reality, it will have been preceded by many years hard work. Again
remember, you may also LOSE! Don't get so invested in something that if
it doesn't work out (whether due to you or something unforeseen in the market)
that you end up in a hole bigger than you can get out of.
Practice
negotiating creative real estate deals. Assume that no one will accept
your terms for quite a while and get used to making offers and having them
rejected.
Go
shopping. When you go to a chopping center, no one asks you if you have
any money. The retailers want you to shop and browse. The same is
true with most investments. Shopping, asking questions, analyzing deals
is how you get your education. What you learn about investing cannot be
found in a book any more than you can learn to play golf by reading a
book. You must train your brain by getting out there and going shopping.
Look
at thousands and thousands of opportunities, make hundreds of offers and
prepare to have many of them laughed at. The point is, with each
property you look at and with each offer you make, your knowledge and
experience about the property market will grow.
After
analyzing 100 deals, you will find one or two investments that will excite
you. When you are excited about becoming rich, your grain shifts into
another context and you begin to seek new content, content that can answer the
question, "How do I raise the money so I can get rich?"
-
Look
at more properties. The more you look, the better your odds that you
will come across a good deal.
-
Take
your time. There is more than one good deal. Too many people
buy because they believe the deal they have found is the only deal in the
world.
-
Analyze
the rental market as well as the purchase market (for reselling at a
profit).
-
Talk
to more than one real estate salesperson.
-
Your
profit is made when you buy, not when you sell. Never buy a property
expecting its value to go up. The property must be a good investment
in a good economy and a bad economy.
-
Make
a lot of offers and make sure they are all heavily weighted in your
favor. Don't assume anything about the seller. Your offer may
just save their bacon, but the worst that can happen is they say no.
-
Don't
invest emotionally. When you buy your own personal investment it is
okay to get emotional. When you buy a property for investment
purposes, emotions can blind you.
Networking
If you
want to be rich, you must build networks and link your network to other
networks. The reason it is easy to become rich through networks is
because it is easy to be generous through networks. On the other
side, people who act alone or as individuals limit their chances for economic
success. Networks are people, businesses, or organizations that you are
generous with because you support them and they support you. Networks
are powerful forms of leverage. If you want to be rich, build a network
and network with other networks.
Greed
We're
all greedy to some extent. The reason people do not become rich is not
because they are greedy; they will not become rich because they are not
generous enough. All they think about is a day's pay (for
themselves). There is not much leverage in a day's work because no
matter how much you get paid, the ratio is always 1:1. The people who
must get paid first ultimately get paid the least.
The
business owner pays himself last because he is in business to build an
asset. If he is in business for the big paycheck, he should not be in
business...he should be looking for a job. The business owner or
entrepreneur gets the big bucks at the end of the day because he or she must
be the most generous at the start of the day.
How
Fast Can You Get Rich
It
took Bill Gates approximately 10 years to become a billionaire. Michael
Dell did it in 5 years with AOL. Even if you have a low-paying job, you
can still become very very rich if you start a business at home or in your
garage, all in your spare time. They did.
Beginning
The Journey
Hire
A Bookkeeper
Before
opening your own business, have kept your own books for 2 years.
Treat your personal financial life as a business now. Most people cannot
qualify for large loans because they have poor records. Many people pay
higher than necessary interest rates simply because they have poor financial
records.
Even
if you do not have a business, your personal life is a business and all real
businesses have bookkeepers. That is why I strongly recommend you hire a
bookkeeper and keep a bookkeeper for life. By having a bookkeeper keep
your income, expenses, assets, and liabilities in line, you begin to keep
professional records. Sit down with your bookkeeper and go over your
numbers each and every month. Repetition is how we learn, and by
repeatedly going over you monthly numbers, not only do you establish a good
habit, you gain more insights into your spending patterns, you can make
corrections earlier and you ultimately take control over your financial life.
You
want a disinterested outside third party to look objectively at your money and
your spending habits. As you know, money can be an emotional subject, especially
if it is yours. By having a person who is not emotionally attached to
your finances, he or she can put things in order and speak to you clearly and
logically.
Your
greatest expense in life is the money you do not make. Hiring a
professional bookkeeper reaffirms to yourself that you are taking your
personal financial life seriously. It means you are held accountable,
and learn, correct, and redirect the financial future of your life.
Create
A Winning Team
Poor
people complain about their problems, but shoulder the load themselves.
Both the husband and wife keep what's happening to themselves until they
explode in an argument. Everyone has financial problems. The rich
have money problems, the poor, businesses, governments, and churches.
What determines if someone is to be rich or poor is simply how well he or she
handles those problems. Poor people are poor simply because they handle
their money problems poorly.
If you
don't understand something, get it explained to you by someone who can make it
clear to you. Start gathering your team. If you cannot afford a
high-priced team, you may want to find a retired person who enjoys helping and
guiding people. Many times all you have to do is buy them lunch.
You would be surprised how many people simply enjoy being asked to share their
life's experience in helping others. All you have to do is be
respectful, not argue and listen intently. Do this once a month, and
your future will be enriched forever.
Greatness
There
is a difference between doing great things and living exceptionally.
The road to greatness is not in doing great things, rather it is doing the
simple things in life exceptionally.
Guarantees
Too
many people spend their lives looking for guarantees and spend all of their
lives avoiding risk, avoiding growing up and always looking for a surrogate
parent (the government or their company) to take care of them. GROW
UP! Growing up means that you become less and less dependent upon
others, and are more and more able to take care of yourself, your needs and
the needs of others.
If you
are going to retire young and retire rich, you will need to grow up much
faster than most people are.
Be
Willing To Fail More
Winners
lose now and then...but that does not mean they feel like or think like a
loser. Constantly venture into areas that you know nothing about.
Do something daring and a little risky every day. Even if you don't
become rich, this habit will keep your life exciting and keep you younger for
years longer. Listen and ask questions for hours, days and months to
people who know what they're doing. Be willing and humble enough to ask
stupid questions. What is stupid is pretending to be smart or
knowing something you don't.
Be
Willing To Change
Something
that is right for you at the beginning of your life is probably not right at
the end of your life. Too many people are unsuccessful simply because
they are afraid of changing or unable to keep up with the times. The
reason they are unable to change is because they are afraid of being
wrong. It is their fear of failing that causes them to fail. It is
their need to be perfect that causes them to be imperfect. It is their
fear of looking bad that causes them to ultimately feel badly about
themselves.
Visualize
Your Future
You
can't just envision specifically what you want. You must also focus on
learning what you need to know to get it. Simply posting a list of what
you want in your life is not enough. You must also know the next step in
learning how to get what you want. Losers focus a lot on what they don't
want in life rather than being specific with what they do want.
The
process of choosing how you think and feel works in relationships as
well. When you think about all the things your partner does that you
don't like, you don't like them. When you think about the things they do
that you do like you are madly in love with them.
Since
anything you say about the future is technically a lie (because no one
knows what is going to happen), why not tell lies about the kind of future you
want rather than the kind of future you do not want.
Tell
your partner the biggest and best lie about how rich you will be in the
future. Tell them about the millions of dollars you receive each month
from your investments, the mansion you live in and you idyllic life.
Some
people have a hard time telling exaggerated lies about their future financial
success, but most people really love being grated permission to tell
exaggerated stories about their future financial success. Your life and
your future can change at the very moment you give yourself permission to
"lie" about how big you're going to make it.
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