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A billionaire has one billion units of any currency. But, what does it take to have one billion? It is not easy. Definitely motivation, hard work, perseverance, strategy and winning attitude come into play. No one can claim becoming a billionaire without sweat. Not unless, by sheer luck of fate, you’ve won in a lottery. But then again, even the lottery operator does not give out that insanely huge amount of money. So it comes back to, hard work.

Billionaire does not claim its victory over a bed of roses. He may be a subject of public’s envy but it does not come easy. What people see is the fame and fortune. But come take a closer look, what does it really take to reach that status? What are his secrets to becoming a millionaire then ultimately, a billionaire?

On the outset, he may have thought of working not to get rich, but just to get a heads start. He may have set a goal, one step at a time. Upon reaching a certain stage, here comes another. He never stops working. As if everything is not enough. That’s what fuels the engine.  He needs to go further thus, work harder. Upon reaching some point where he accumulated enough, he then started to invest his money. After earning some decent amount, then he started to invest it in different baskets. Now comes investing for the future, big time. That’s where the ball starts rolling.

He has a clear view of the future. What he wants to be and where they wanted to be.  He does not concede, much more accept defeat. Definitely, surrender is not on the list of his vocabulary.  The sea may be rough many times, but he weathers them all. He stays focus and solid despite the hard times. He seizes every possible opportunity without second thought. Every centavo counts. That is where he builds his empire. He has the keen eye from the smallest opportunity to a million dollar investment.

It is a no brainer, though under stated, that one of his strong moral fiber is frugality. He lives as if he is just an ordinary person. He may not have his own private plane, but travels on commercial flights. He does not own a yacht. Some of them live on the same house for forty years. They even drive an old car. They don’t flaunt their assets. They are not a walking vault. They live as low profile as possible. No expensive limousines, private jet or big mansions in famous places around the world.

One more facet where we really have to applaud these billionaires, not just for their tremendous effort and hard work, are their heart for the less fortunate. They donate vast amount of money without fuss. Some of them even wanted to remain unnamed while helping for a very good cause. Happiness and contentment comes in, when they are sharing what they have.

These separate the billionaires from the rest; the motivation, incomparable perseverance, strategy and winning attitude. It took them time but the enormous effort, focus and unwavering hard work in building their empire have finally paid off.

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Do you want to have the best life that you ever want? Do you want to achieve something you ever love? But you just keep on missing the target. There is a clear problem that needs direct action.

Most people with unwritten goals cannot easily get to their best. They tend to back out for something that they don’t even know. There is no motivation that keeps them to do something. They are just there for nothing. No clear cut goals. No systematic objectives. Without goals, you cannot move for the best organized actions to achieve your goals.

However, people with goals and commitment to do achieve their goals are more successful friendly people. You can easily find the best of the people getting their life to the fullest because of goal setting. A goal can set your eye on focus. You have something to reach for; a real cut of tasks that you can do.

Goal setting creates accountability. You are accountable to your goal. You have something to hold on. You have something to work for. And in so doing, you exert your ultimate effort to reach these goals. A goal is a motivation that will keep your adrenalin ready for the work ahead.

Even executive business people have their goals. They set a goal to achieve it. It is a form of challenge that they must have. Your goal is your peak; you want to have it at all cost. Setting a goal is an important aspect of learning the mazes of success.

How to set a goal?

A goal is not a superficial matter. It is to be real. You are not expected to head a multi- billion company at once. A goal is an achievable goal. It is very important to have something that you can get. Goals are there to be achieved, not just for the sake of paper.

You don’t set a goal that is in the air. You goal must be measurable. You need to constantly check how near you are to your goal. Measuring your goal is an important matter that you should put in your head. It is important to measure your past actions if they substantiate your goal.

Moreover, a goal must be time- discretion. You cannot set a goal and let it bloom for several years. If you are setting a goal that can be achieved in one year, it is important to put that line there. Do not tarry over something. You’ll never achieve big things.

Follow the system below to set your goal and reach it:

  1. What do you have? Before you set a goal, think what you can and what you don’t have that may matter to the goal. Make use of what you have and reach the absence.
  1. How disciplined you are? Setting a goal is discipline. You need to buckle some belt and keep some hands off.
  1. Why you want there? A goal remains idle if you are not willing to get it. It is important to know the driving force of the goal.

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The way to financial freedom is not always paved with gold. You need first to have a fight with the rough stages and develop skills you’ll need in the future. One of the best things that you should know is: BUDGET.

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Budgeting is an essential element for you to be a successful man in any field that you are doing. But if you won’t take a time to have money management or budget, you will always start every now and then but you will lose the battle of investment, savings, and worst, become a financial freeman.

The Money Management School: Budget Essentials

Here is a simple budget procedure that any simple guy can ever do. Take a time to put in your heart and learn from the best lessons.

  1. Record the Expenses. Most people are wasting their money over things that they don’t actually need at the moment or in the near one year. It is a bad habit of spending. If you want to become a millionaire or at least a financial freeman, have a single book. Write down all you’re spending. You write the cost of your expenditures. This way you will be able to track down the priority that you have.
  2. Make a Category for Priority. You categorize your expenses. You paid your bills – electric, water, telephone, and many others. You put them in the record for you to see the priority at once.  Did you spend your money over things unimportant or you can easily see in the category that you spend only for the priority matters.
  3. Cut Proportions. You have known your expenses and your priority. You take time to cut them into proportions. Instead of spending your money over your car’s polisher every week, cut it to twice a month. There are few things in life that you cannot live with but there are many things in life that you can live without. You throw those low priority materials and put them sometimes – if you have enough excess cash.
  4. Plan ahead to spend ahead. Spending comes in handy. That’s the maxim. You spend when you see something. A bad ordeal. You don’t need all things that you see. You better write down your expenses for the next month. Be sure to write only the priority. Do not overestimate. You are making yourself an excuse to spend the excess budget.
  5. Invest now. Investing on something is very important. You cannot just send your money to the club. That’s stupid and idiotic. You can invest on stocks, forex, and many others. Your money will earn a sizable nest that you can use someday.

It is really a sad thing to spend more than what you can get. It is very important to have the best of life. But it is important to pay only for the things that you need. Make a good list of your expenses. You will soon forget how you spend your money. And in the middle of the night you will ask, “Where my money went?”

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Living is not all about how you spend but how you live. You don’t need to spend thousands of bucks for your live. That’s a maxim of fools and only fools lose much money.

You can easily hear people having problems with bad credits. You can see people having wrinkles on how to pay their four credit card balances. Houses are closed by mortgage banks and institution leaving the owner homeless, desolate, and in the right term, impoverished.

Why all these happens?

They are too wise – spenders. They spend much of their monthly income over unnecessary materials and end in depending on credit cards to live for the month.

They are too wise – investors. They spend their money down paying house, cars and other materials all in one blow sending their savings to zero and in due time, their monthly income to nothing. Not enough cash flow results to dryness of the pocket.

They are too – wise workers. They are eating in luxurious restaurants to impress people with their job but in due time, they will be scavengers in the street without a single Washington penny in their pocket.

That’s what happens to wise people. But are you wiser than them? You must be!

Live Below your Means and Live

The new life maxim is live below your means and live; not live, eat and be happy.

If you want to live happier with the best freedom that you can have from financial woes, it is good to spend your money wisely. The key to happiness is not much money but contentment. You need to live with what you have and throw your money to savings account in banks. A nice investment, right?

Spending lesser than what you can earn is an important dictum that you should have. You need to spend less and earn more. You need spend lesser and save more. It is the best balance that you need to have if you want to have a financial freedom that you can enjoy with the best day of your life.

Spending less will give you more savings. You do not need to have a mortgage loan for your house. All you need to do is save a lot to get that. A loan will give you problems with interest but paying the house with your savings is ownership at the instant.

Spending less will give you better days. You can easily buy your car if you take time to have it. Just wait. You spend lesser than what you earn every month and save much money for your car. Spend less and you will have what you need.

Living below your ability is an important maxim to follow in this tough world. You cannot just rest your life over things that you don’t need. If you want bigger things in future, it takes time. You need to discipline yourself and make a sizable nest where you can lay in the future.

Spend below your means will make you a better man; a refined businessperson; a developed individual and a genuine millionaire in the future.

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Today let’s talk about the easiest and less risky strategy of becoming a millionaire through investing. There are many common myths and fallacies regarding investing – Some people were burnt by the stock while others made quite a lot in the stock market.

If you are one who have absolutely no clue about investing, then this post will help you tremendously. If you are one who wants to know the less risky way to become a millionaire, then this post will help you too.

When you are investing, you are basically buying into the shares of a company, in another words, you own a part in the company you invest.

The most risky thing about investing is that you invested in a poorly run company, invested in a overpriced company, or a fraud company.

Other than this, the reason many people lose alot money in the stock market is because they are gambling or they borrow money to invest.

By eliminating these 2 factors of investing a wrong company and gambling with the stock market, you’ll reduce your risk tremendously.

First, what you can really do is not to gamble in a way that you only invest when you have the spare cash to do so – set aside some money to invest every month. And don’t take out this money until at least 15 years later.

By doing so, you reduce the risk of daily, weekly, yearly fluatuations of the stock market.

The question that will come into your mind is what if the company go bankrupt?

Here’s the most important thing…

When you invest, go for the ETFs or so called the index funds. This means you are investing across many companies at one go and ultimately, you are diversifying your investments.

By investing for the long term and diversifying across the stock market, you are reducing the risk tremendously and most of the time, from historical statistics, you are able to make at least 8-10% returns annually.

Are you losing out on the big returns?

Afterall, Warren Buffett have been making more than 25% throughout his life. Can you do the same too? (disclaimer: figures may not be accurate)

Now, I’m going to share with you one of the best thing I’ve learnt in college – most of the best and smartest people never have a sustainable huge returns in the financial markets.

Their investments returns cannot be sustained. One year they are making 50% returns and the next year they may lose all the money.

This is essentially one of the most important lessons that I’ve learned from one of the professors who is also a hedge fund manager.

If they can’t even do that and achieved a sustainable return over the long run, then what makes you think you can do that?

It is also found out that if you invest in ETFs, the best funds would have generated the same kinds of returns because of the funds fees.

Therefore the best thing to do if you want to invest is to throw the money into ETFs and watch the money grow in the long run.

I’ll try to throw in some research and data in the future to convince you that this is the best way to invest.

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You know, we always heard of people talking about delaying satisfying your needs and wants to a future time. For instance, we delayed our desire to buy a BMW, a 30 inch LCD television or even going for a luxurious holiday?

Many financial planning experts or even successful motivators would have told you that you would need to practice delayed gratifications in order to succeed in the long run, but is that the truth? Is that how one will succeed?

Let us start by thinking about the definition of gratification. In short, it’s about being gratified. It’s about satisfying a need or a want. A need can be something we require on the most basic requirement for survival whereas a want can be something that we dream to have.

If what we need and what we want is something that is going to cost us – whether be it money or time, then we would always need to practise delayed gratification.

Come to think about it, if what we want or need does not depend on things or any object, then there’s no such thing as delayed gratification. In another words, we are not materialistic and our happiness or what we value in life would depend on the process rather than the results.

For a moment, do you remember a time when you are having your lowest point in life yet now when you look back, it’s one of your happiest moment in life?

You see, you feel happy because of the people around you and spending quality time with them.

Think about it this way, if your happiness or your desire no longer depends on the material stuff, there won’t be anything much for gratification.

Some of the richest people in this world live by this philosophy, even when they become rich, they still live in the same place when they are young.

If you practise this too, you will realize that you will become much more successful and you will be much happier.

The most important thing is you will enjoy the process of becoming a millionaire.

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Do you believe you can make money online?

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Do you believe that you can become a millionaire using internet?

If you don’t believe that, you are missing one big gold mine that you can tap on. If you do, then you should carry on reading this blog entry.

At the current moment, I’m still not an internet millionaire but I’m one making USD$5, 000 from the internet every month.

The best thing is $5, 000 is only the beginning.

You see, internet provides the best opportunity for you to become a millionaire even you are not cut out for one.

Think about it – Most internet entrepreneurs start out from the tiny room from their house. And starting from home is the best way to build a solid foundation for your business.

Cost Advantage
When you start out from your house, the cost of setting up a business is very low. You don’t have to pay much to get started. Even your own personal expenses are kept to the lowest. You don’t have to eat out and you can save on your transportation.

Scalability Advantage
The best thing about internet is you can reach out to the people all around the world. Your website can reach out to a larger target audience which is very powerful compared to a normal retail store. And you don’t have to be there to collect money from your customers. Everything is automated.

Profit margin
Sometimes because you don’t have a shop, you are able to profit more because you don’t have to pay for your rent or your shop. To rent a shop, it can easily cost you $3, 000 in a particular location. Imagine what you can do with $3, 000 if you don’t spend it on the rental? It can help you countless of ways that can boost your business.

Have I convince you enough that internet is the best place to start your business?

Now if you are eager to find out how you can start an internet business, you can subscribe to my newsletter at Internet Income Code.

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I’ve been thinking about this for a long long time. What sets apart the difference between a millionaire mindset and middle income mindset?

I can’t help but notice this one of the most important factor that differentiates a person’s sucess – no excuse mindset.

I remembered this example by one of my favourite motivation speakers Adam Khoo. He often talks about these 3 kinds of mindsets.

The first type of person goes like this… When you ask them to start a business or write a book, they will say that they are too tired, don’t have the knowledge, or don’t know where to start. In fact, they will give you all kinds of excuses in the world but they will never attempt to do anything towards it.

The second type of person is someone likes this…

When you asked why isn’t he or she successful? They will say things like “I wasn’t born in a rich family”, “My family isn’t rich enough to give me enough capital to start my own business”, “the economy is in bad shape”, “things are too expensive to build a business”.

These people blame everything else in the world except themselves. Whenever things don’t go according to what they want, they blamed
it on soneone or something else.

Now, what do you think is the third kind of person?

When they set a goal, they would often fight for it. When there is a big problem or obstacle, they will say I’ll take responsible and tackle the problems head on.

You see, this kind of person take responsible for their own results and destiny. They don’t allow themselves to be victim of any situation or problems.

And when you are not a victim of the problems or obstacles, you are in control. And when you are in control, becoming a millionaire is no longer a matter of your circumstances but a matter of strategies and the steps you take.

So ask yourself the following question- what kind of mindset do you have?

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Depending on different stages of your life, becoming a millionaire can be a very different story.

For example, the path to be a millionaire for a 18 year old would be entirely different for a 40 year old.

When you are a 18 year old, you don’t have any liabilities or any “life burdens”. But for a 40 year old, you have children and parents to take care of.

For 18 year old, you don’t have much capital to start a business, but for a 40 year old, you’ll probably have some savings to invest or start a business.

Whether or not how old you are, some of the paths are fixed – For instance, you would need to build passive income. And there are not too many types of passive income you can create.

Before we go into the details what to do at different age, let us first talk about what kind of income are there?

If you look at Wikipedia, US define income into 3 types…

1) Active income

2) Portfolio income

3) Passive income

Portfolio and passive income are quite similar in terms of both kinds of income are passive and doesn’t require you much time to work on it.

But there’s a difference in what you can work on when you talk about these 2 kinds of income.

For portfolio income, the paths to become a millionaire is largely dependable on how much you save and how much are you making.

If you have a great education and work in a high position, then your active income would be large and if you know don’t spend much and put into investment, you can become a millionaire very fast (Largely because of the returns through the stock market but you would need to understand some knowledge behind investing).

However, that doesn’t mean that people who doesn’t have a very good education can’t be a millionaire too.

You would then need to work on other kinds of passive income like

1) Building a business
2) Write a book
3) Residual income – through certain sales job like insurance, real estate (rental), network marketing etc..
4) Online Marketing

We will go through each of them.

Building a business may sound scary to you but if you learn the ropes of a business, it’ll be fulfilling and profitable. You may need some capital of at least $10, 000 (depending what kind of business you go into).

You can sell anything from food, all the way to B2B like setting up a outsourcing services for other companies. The ideas are unlimited.

The key here behind building a business is ultimately getting sales – you would need tons of sales to growth your business.

Writing a book – This may be daunting for some of you because writing a book is a long process and how do you get it publish? Do you know that it’ll take a long time for you to make money from royalties from your book? It ultimately depends on the sales of your books in the local bookstores.

You would also need a publisher who is willing to publish your book or you can publish the book yourself.

Residual income – Residual income from insurance is a good source of how you can actually become a millionaire. This is a sales job and you may need to do a lot of cold calls, presentation as well as selling before you can make a lot of money in the insurance line.

Online Marketing – Due to the fact that in today’s fast pace technology, internet has become a “real world” where people can connect with each other, you are able to tap onto this entire marketplace at the lowest cost ever. There are many ways where you can make money online and the thing is many people have become millionaire within a short period of 2-3 years online.

In fact, this is the best way where you can start a business. The cost is low and there are many ways for you to brand and market your website.

Now after you have read these 4 ways to build your passive income, what do you think they have in common?

If you read closely and think for a moment,

it’s all about making SALES passively…

And it is the kind of passive income you want to learn and want to build. We are going to hold a survey soon and if you can participate in the survey at the right of this sidebar. This is to help us to find out which kind of passive income would you like to find out about.

Your assignment for you to become a millionaire is think about what kind of passive income you want to build.

Next, do you have the millionaire mindset? Click here to read more about millionaire mindset.

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Becoming a millionaire at the age of 26 is my goal which I’ve set when I was at the age of 19.

In fact, I was so determined to reach my goal that I’ve decided that the only way to do that is to build a business.

Is that the only way to be a millionaire?

Now at the age of 24, as I’ve looked back at it, I’ve a complete different mindset to become a millionaire. I’m still far from my goal but I think I have the means and capabilities to reach it soon.

The first step to become a millionaire is by understand this concept:

The difference between active and passive income.

Active income – When we talk about active income, it’s all about exchanging our time for money. Most people that have a job and getting a paycheck for the time spent is considered an active income.

If you are capable, you can probably make 10k, 20k or even 50k every month, depending on what kind of job you have and what you are responsible for.

Unfortunately, not many people can make this kind of money because there are just too many capable people who can accept a job with a lesser pay. This is essentially a supply and demand game.

Most people averaged around $2, 000-$5, 000 every month. If you do the calculations, assuming you can save around $3, 000 every month, you can only have $36, 000 at the end of a year.

And it would take you 27 years for you to save $1, 000, 000. What a long journey…

Most people don’t become a millionaire simply because it’s a tough journey. Why do you want to save so much after working so hard everyday? You want to enjoy too right?

So they usually spend a lot too!

For those who make 10k, 20k, or even 50k a month, they may spend and enjoy themselves so much that they don’t save that much every month.

You can see that if you are going to follow this path of working for someone and getting a job, then your only way to become a millionaire is by saving.

The more you can save, the more likely you’ll become a millionaire…

And it usually takes a long long time…

Passive income – According to Wikipedia, it is an income received on a regular basis, with little effort required to maintain it.

Passive income is completely different from active income in the sense that it doesn’t exchange your time with the money you make. Instead, you are building an ‘asset’ that exchanges with money.

Some people think that passive income is derived from a source which requires no work to generate your income, but this can be misleading and the only passive income that falls under this definition would only be investing.

In order to have some meaningful purpose behind passive income, I would define working on passive income is like building an asset that can generate income automatically in the future.

For example, you build a business that can bring in automated income in the future. It may require you to work 24/7 to get your business running, but once it is automated, you don’t have to care too much about it.

Even you build a poor business that can bring you $1, 000 a month later on (passive and automated), it still can make a lot of difference to your income later on. To make $1, 000, maybe you would need to spend 3 months to do so. But after the 3 months, you don’t have to touch the business at all.

So you simply have $1, 000 residual income every month to add to your savings without the need to spend your time on it.

You can then spend your time working on another business which is going to make you another $1, 000 every month.

After one year, you will have 4 business that will bring you a total of $4, 000 of passive income every month.

And you don’t have to spend much time on it. How good is that?

If you truly understand this concept, you will move towards the direction of creating passive income instead of sticking to your job and working on your active income.

And that’s what we are going to talk about in the next section!

Click here to read How To Become A Millionaire – Step 2

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