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lundi 20 mai 2024

how to be financially independent in 2026? money mindset, passive income & investing for beginners?

 





I am here to teach you how to make you money. 

see the thing is society has told us all we have to do is go to school , get good grades,  get a good job keep climbing up the corporate ladder save a bit of money maybe invest it and then have a nice peaceful life post retirement but the thing is billions of

people have done that and are now getting screwed over by a cost of living crisis where everything is getting more expensive and no one can survive anymore and the only way to get out of it is to make more money not save it make it it is more than possible to become financially abundant at a young age and I spend the last few years improving my financial literacy so that now I can teach you how so this is how you enter your rich girl era make more money have it grow for you while you sleep be smarter with your finances and build the mindset of a millionaire let's go

 

chapter one what the rich don't tell you ?

 


this is about learning how to distinguish everything we would taught in school all of the wrong information that was given to us to have a scarcity mindset around money to have the poor girl mindset and now how we're going to learn about how a rich person thinks and how we're going to adopt that into our daily life now and of course to make this super easy to understand we're going to bring in our favorite girls

 

Lola and Athena Lola has a poor girl's mindset.

 so she thinks things like yeah I probably shouldn't go out to eat as much this month because I have to save as much money as I can in my bank account okay maybe if I stop getting my nails done stop going to Starbucks then I can save an extra 20 30 pounds every single month and put it in my bank account to save and then I won't touch it I just can't afford to eat healthily anymore I'm gonna have to start living on Ramen because everything's gotten so expensive okay money is looking really tight right now so I'll pick up some extra hours at work and then I'll get another job to work every weekend I just know I'm gonna be able to save up that extra 2 000 pounds over the next year so that I canfinally buy myself that Louis Vuittonbag now let's dissect what's wrong with Lola's mindset and how it's actuallydigging her into a deeper hole so Lolasaid that she wants to save as muchmoney as she can into her bank account, but what nobody tells you is that moneyin a Savings bank account is money wasted believe it or not the rich stay Rich by spending their money and movingaround constantly they do not let it sit in a savings account far away that they don't touch just letting that money collect dust and this is due to something called inflation if you have ten thousand pounds saved away in a bank account somewhere as the years go on inflation Rises and that ten thousand pounds loses its value meaning when you come back to in a decade to spend it it's not going to be worth nearly as much so instead the rich move their money and invest it into real estate and into stocks to allow their money to grow for them as time goes on this is still a

way of saving your money but doing it in

 

a smarter way the rich girl mindset also

 

knows that spending money is beneficial

 

to you whereas Lola would think that she

 

has to save everything and cut back her

 

expenses the key is to redirect most of

 

your expenses which are going on to

 

clothes and unnecessary items to then

 

into things are going to benefit you in

 

the long run like financial literacy

 

books buying courses to learn a

 

particular High income skill so that you

 

can earn more money spending that money

 

on opportunities on networking events

 

basically spending money to make money

 

Lola also thinks that when she stops

 

getting her nails done and she stops

 

buying Starbucks then she'll be okay

 

financially but this is wrong because

 

when you're picking up these Penny

 

pitching habits you are then living in a

 

financial scarcity mindset every single

 

day meaning you are continuously

 

reprogramming your subconscious to live

 

in this poor girl mindset always you are

 

always telling yourself that there is a

 

lack around money that will never be

 

enough you'll never be able to afford

 

nice things this negatively impacts your

 

manifestations and will affect where you

 

end up in life so quitting Starbucks and

 

canceling your Spotify subscription will

 

not significantly impact your Financial

 

Freedom in the future you must shift

 

your mindset from saving money to making

 

more money Lola also complains about

 

having to live off of foods like Ramen

 

because she feels guilty about spending

 

more money in the grocery store on

 

healthy foods you are exchanging that

 

currency in the store for wellness and

 

energy and fueling your body with all of

 

the right nutrients when you skimp on

 

things like a gym membership or healthy

 

food you are then depriving yourself of

 

the ability to operate at your best self

 

in your body your money is put to very

 

good use when it's spent on nourishing

 

your body and mind Lola also said that

 

she's going to pick up more hours at

 

work and maybe get an extra job on the

 

weekend to make more money this is wrong

 

working extra jobs for other people is

 

the worst financial decision you can

 

make why because your income will always

 

be kept because you are trading your

 

time for money constantly meaning when

 

you fall sick when you need to take a

 

holiday when you can't show up you are

 

not making money plus when you're

 

working for other people majority of

 

your money will end up going to taxes

 

anyway so right now if you do have to

 

work your nine to five do that and then

 

spend your extra time learning how to

 

make money online and how to build up a

 

passive income source so that you are

 

still earning money while you sleep and

 

lastly Lola's dreams are to save up

 

around 2 000 pounds to buy her first

 

designer handbag now I am all for

 

enjoying life and buying nice things for

 

yourself we're going to talk about that

 

more later but right now all I'm going

 

to say is that this is the wrong mindset

 

to have because when you spend 2 000

 

pounds on a Louis Vuitton bag you are

 

not then just down 2 000 pounds you're

 

actually down 40 000 pounds you know why

 

because if you took that two thousand

 

pounds in your early 20s and invested it

 

into stocks into a high-risk pension

 

fund over the years that would grow into

 

tens of thousands of pounds depending on

 

your age and when you invest and this is

 

an example of an asset versus a

 

liability if you are in a place where

 

you have to intentionally plan and put

 

money aside to be able to buy yourself

 

that designer bag then it is a liability

 

to you because then that is a lot of

 

money coming out of your pocket an asset

 

is something that brings you money in

 

for example not spending that two

 

thousand pounds on a bag but spending

 

that exact same two thousand pounds in

 

investing it and then it will bring you

 

in so much money instead plus I also

 

want to say you should not even think

 

about buying anything designer until you

 

can buy multiple of it my rule is don't

 

buy something unless you can buy three

 

of it now let's quickly run through

 

Athena's rich girl mindset in comparison

 

my main priority is making sure that I

 

am living as my best and healthiest self

 

so that I can give all of the energy

 

into actually making more money and

 

building up businesses and showing up as

 

my best self every single day I am

 

focused on making more money to fund my

 

lifestyle rather than penny pinching to

 

save as much as I can plus I have an

 

abundance mindset whatever I spend I

 

attract money always comes back to me

 

I'm going to transfer all of my

 

disposable income into my investments

 

and then anything spare I'll probably

 

put into my Isaac account so my money is

 

always growing for me I'm focused on

 

spending money to make money so even

 

though money's tight right now I'm gonna

 

prioritize putting it into financial

 

literacy books reinvesting in my

 

business so then I can generate more and

 

more through my business and hopefully

 

buying my first rental property one day

 

money is looking kind of tight right now

 

so I'm probably gonna go on YouTube and

 

learn some high income skills so that I

 

can start charging my clients for more

 

through my online business or I might

 

set up one more passive income source

 

that doesn't take up a lot of my time

 

but will still generate enough income in

 

the background when I'm doing other

 

things now let's talk about why this

 

mindset is going to make Athena Rich

 

Athena said that money is a bit tight

 

for her right now so she's going to

 

focus on building up further passive

 

income sources to generate money while

 

she's focusing on other things this is

 

an example of her diversifying her

 

income she is not putting all of her

 

eggs in one basket she knows that the

 

average millionaire has seven income

 

sources whereas the average person in

 

the UK or the us only has one and that's

 

their nine to five she also knows that a

 

savings account isn't going to get her

 

anywhere so she doesn't even take the

 

time to open up an extra savings account

 

instead she has her stock Investments

 

and she also has an eyesight now this is

 

going to make her money grow at a

 

slightly slower rate for sure but any

 

gains she makes on the money she invests

 

into this Isaac account all of the gains

 

will be tax free that is basically free

 

money you can put in maximum 20 000

 

pounds into an Isa every single year

 

that is the only kind of savings account

 

you should be considering and then you

 

touch it in a few years time maybe when

 

you're ready to buy your first home and

 

there would have been so much money that

 

has grown on top of it all it takes is a

 

quick Google search or contact your bank

 

to learn how to set up your eyesight

 

account if you are based in the UK this

 

way she's constantly moving her money

 

around so it's working for her and it's

 

not losing value due to Future inflation

 

and lastly Athena has an amazing mindset

 

because she is not focused on showing

 

off to others many people make this a

 

priority they want to look richer than

 

they actually are she knows she has the

 

money in her account right now to go out

 

and afford a Gucci bag but she also

 

knows the value of that Gucci bag is

 

going to continue to decrease every

 

single year so what's the point the only

 

type of designer bag that's an asset is

 

a Birkin I know you're sat there

 

probably thinking oh okay so I know I

 

have to build up a passive income Source

 

but that sounds easier than it actually

 

is and how do I know what to do I got

 

you okay first of all all it takes is a

 

Google search literally just type in

 

passive income ideas there are so many

 

like thousands of articles on the

 

internet where people will lay out for

 

you but to make your life easier I'm

 

going to give you some ideas right now

 

pick a subject that you know really

 

really well and then invest some time

 

into building a course online there are

 

so many websites online so like I think

 

kajabi is one skillshare is one all you

 

have to do is literally spend maybe a

 

week putting and all of your time and

 

energy to build up this course with the

 

most valuable knowledge put it out onto

 

the internet and then it's done you

 

literally don't have to work or touch on

 

it again and then it is consistently

 

generating Revenue in the background

 

while you are focusing on your other

 

endeavors as people continue to buy your

 

course on the internet to learn your

 

knowledge then we have the most popular

 

way to build up a passive income source

 

and this is building up a business for

 

example it could be an e-commerce

 

business like on Shopify selling jewelry

 

like me for example you can work on it

 

to the point where you can eventually

 

step aside from the business hire people

 

to run it for you and go off and enjoy

 

your life then you're waking up to money

 

every single day and not even having to

 

work hard for it you can set up an ATM

 

business a vending machine business look

 

at investing in dividend stocks start a

 

YouTube channel your face doesn't even

 

need to be on it I've said this in

 

another video before people literally

 

upload to our fireplace videos on

 

YouTube and you'll spend one weekend

 

pushing out all of these videos on

 

YouTube and then your YouTube AdSense is

 

constantly generating your money all the

 

time because these videos are watched by

 

millions of people all over the world

 

every single day and you will be making

 

money like that another great passive

 

income Source idea is to just sell

 

downloadables on the internet all you

 

need is to go to canva.com is completely

 

free let's say you make artwork say you

 

make prints for people to print off and

 

like put in their home save your digital

 

art sell it on Etsy you don't need to

 

ship to anywhere all people will do is

 

they'll maybe spend three to five pounds

 

to download this rbook that you made in

 

five minutes on canva to then print out

 

and put it in their home I have two

 

prints in my apartment right now that I

 

bought off someone from Etsy I know they

 

spent five minutes on this on canva but

 

I couldn't be bothered to do it so I

 

bought it from someone and once again it

 

takes one day of creating this art

 

putting on Etsy letting it run in the

 

background and the money just keeps

 

rolling in and you don't have to do

 

anything from that point and the list

 

keeps going on and on and on but if you

 

are a teenager or if you are really

 

struggling to commit any time at all to

 

building up any of these sources I get

 

it like it's in the way then I have the

 

perfect thing for you and it's an app

 

called honey game so honeygain is a free

 

app you can download on the App Store

 

and I'm going to teach you guys how to

 

use it so basically the purpose of this

 

is all you're going to do is while

 

you're working while you're sleeping

 

whatever you're doing you can just press

 

this little power saving mode button

 

here enable that

 

your screen will dim as if it's off but

 

on the side go about your day and do

 

whatever you want to do and whilst

 

you're doing that is generating you

 

money when you are using this app

 

consistently it would be able to

 

generate you enough income to cover your

 

Spotify or Netflix subscription Netflix

 

or Spotify subscription every year is

 

about 120 pounds that is 120 pounds that

 

you could be investing and multiplying

 

doubling tripling at the end of the day

 

the key to successfully investing is

 

starting as early as possible and this

 

is due to something called compound

 

interest this app is going to allow you

 

to invest at an earlier stage without

 

having to do anything at all if you

 

still think this is too good to be true

 

you can check out honeygain on

 

trustpilot tens of thousands of people

 

endorse them online and show proof of

 

the money they've made by using this app

 

you connected 10 devices to this you

 

could literally be earning at least

 

thirty dollars every single month the

 

way honeygain works is that you generate

 

the easiest passive income ever by just

 

sharing your internet connection with

 

honeygame and also not to worry that app

 

will not collect any of your private

 

data on anything like that so don't wait

 

any longer you officially have no more

 

excuses to have an extra income Source

 

remember diversifying your income is the

 

key you can use my code or the link in

 

the description all of the info will be

 

on the screen and at the top of the

 

description to sign up today and get an

 

extra five dollars added to your account

 

so you can start earning ASAP chapter

 

two making and investing money so let's

 

talk about the main benefit as to why

 

you should be investing at all and why

 

it should never be an option that you

 

skip out on if you are in your early

 

twenties and you invest 200 to 300

 

pounds every single month or let's say

 

you just invest one lump sum in your

 

early 20s of ten thousand to twenty

 

thousand pounds without paying anything

 

else after that you will be a

 

millionaire by the time you retire given

 

that you do this in your early twenties

 

now I've just given you rough numbers

 

and not an exact figure because it all

 

depends on your age if you start when

 

you're 16 17 18 you're going to be in a

 

better place than the rest of us this is

 

due to compound interest the key to

 

investing is to start as early as

 

possible able even if it means you are

 

just investing five pounds every single

 

month being a millionaire isn't just

 

capped by a retirement fund you can

 

still reach Financial abundance at an

 

earlier age and reach millionaire status

 

if that's your goal right now by

 

focusing on making more money instead of

 

saving money and then pouring that into

 

stocks and real estate there are plenty

 

of coaches online that teach you how to

 

make 10K plus a month passively if you

 

have a Wi-Fi connection and you have the

 

internet at your fingertips there are

 

truly no excuses for you when other

 

people talk about putting aside 200

 

pounds every single month in your 20s to

 

invest people on the internet complain

 

and they're like oh but who has 200

 

pounds spare in their early 20s in a

 

cost of living crisis

 

stop you are making excuses what is you

 

commenting that on the internet where is

 

that getting you stop just simply

 

existing and accepting your fate and

 

start taking action to actually change

 

it I already gave you guys several

 

passive income stream ideas in the last

 

chapter so let's say you pick one of

 

those right let's say you're finally

 

making a few thousand extra a month

 

let's say you're on 10K a month now what

 

do you do in order to achieve Financial

 

Freedom you have to get into the

 

investing game and there are a few ways

 

to do this what I just mentioned about

 

investing 200 pounds every single month

 

in your early 20s consistently to then

 

have that grow to A Million by the time

 

you retire you can do that by investing

 

into a high risk pension that's what I'm

 

personally doing so that by the time I

 

reach retirement I'll have this big lump

 

of money invest in having a pension

 

advisor who's going to do all of this

 

work for you the second way to make and

 

invest and grow your money is to open a

 

business the reason that running a

 

business is superior to working a

 

nine-to-five for the rest of your life

 

is that not all of your money is going

 

to go to taxes when you work a nine to

 

five and your salary is a hundred

 

thousand pounds a year that one hundred

 

thousand pounds all of it is getting

 

taxed and then you're losing about 25

 

000 pounds let's say to taxes when you

 

run a business and your annual turnover

 

is a hundred thousand pounds so you're

 

making the same amount you're only

 

getting taxed on 50K because the other

 

50k you can write off for business

 

expenses plus that 50k that you're

 

writing off in expenses they're not bad

 

expenses you shouldn't be in this

 

business of trying to save so much money

 

you're making your money work for you so

 

that 50k in expenses was 50k keep hire

 

and pay your employees who are then

 

working for you so you can step back

 

from the business they'll run the

 

business for you grow it for you so then

 

you're making way more than 100K anyway

 

and it might sound like a lot but you

 

are more than capable of doing it right

 

now if you can pour the energy and time

 

into it I have a friend who's 21 and she

 

can literally step back from her

 

e-commerce business and have it run for

 

her because she poured her time into it

 

when she was 17 she hired employees and

 

now she's financially free but you don't

 

even need to open a traditional business

 

in that sense you could do Amazon FBA

 

you could do Drop Shipping you could

 

flip things on eBay and make a profit

 

the third and most common way to invest

 

is with stocks or what we like to call

 

ETFs a bunch of ways to do this you can

 

even download free apps on the App Store

 

to do it I'm personally using an app

 

called trading212 and this is where you

 

can buy stocks the easiest way to

 

explain what an ETF is is basically a

 

group of 100 companies in the stock

 

market or 500 companies and you are

 

investing a little portion in every

 

single one rather than choosing random

 

companies like apple or Tesla or

 

Microsoft and just putting a little bit

 

of money towards each an ETF makes sure

 

that you're not putting all of your eggs

 

on one's basket you're making a more

 

safe decision because you have a little

 

bit invested everywhere once again all

 

it takes is a little bit of research to

 

know what you should be investing in

 

what I do is I literally go on Tick Tock

 

and I watch what other people are doing

 

what are the most popular ETFs the

 

fourth way to invest is real estate now

 

a lot of people get this Twisted okay

 

people think one day I'm Gonna Save up

 

to buy my first home and then I'm gonna

 

live in it I'll have a house whatever

 

and in 40 50 years time it's going to

 

Triple in value and I'm Gonna Be A

 

Millionaire that's not how it works and

 

you've been taught wrong a lot of people

 

think that the house they're saving up

 

for their whole life and end up living

 

in will double in value and therefore is

 

an asset but it's not it's actually a

 

liability and you know why because

 

you're living in it and you're paying

 

the mortgage that means money is leaving

 

your pocket if money is leaving your

 

pocket the thing is a liability okay

 

assets come with cash flow the house

 

you're living in doesn't because of the

 

amount of money that you pay with uh

 

Renovations maintenance doing it up the

 

amount of money you're paying monthly

 

with the mortgage not to mention the

 

added value the house will get within 40

 

to 50 years are you taking inflation

 

into account because that big number

 

you're imagining right now is it going

 

to be worth that much in the future

 

rental properties on the other hand are

 

assets this is when you buy a property

 

maybe you'll do it up a little bit and

 

then you'll start renting it out to

 

other people and essentially you become

 

their landlord that every single month

 

is cash flow into your pocket the

 

mortgage you have to pay is factored

 

into the rent they pay you every single

 

month plus profit and therefore you're

 

making money every single month another

 

great way to do this to get extra cash

 

flow and very fast is to do something

 

called a HMO this is when there's

 

multiple occupancy within a home so

 

let's say you buy a house to rent out

 

but you rent out every single bedroom

 

this means you'll have maybe three or

 

four rental incomes from these each

 

people coming into your pocket every

 

single month

 

talk about an asset and the fifth way to

 

make money very simple multiple streams

 

for example let's say right now you as a

 

beginner one stream of income is your

 

nine to five now let's say you're

 

putting in 20 pounds every single month

 

into an ETF on the stock market that is

 

your second stream of income your third

 

stream of income is let's say you've

 

started a d-pop business or you're

 

flipping things on eBay you're fourth

 

let's say you've written an ebook on

 

something that you're really good at and

 

specialize in or you've set up a course

 

you spent two or three weekends working

 

towards it you're selling it online and

 

I was generating you passive income all

 

the time or if you're all down you're a

 

little bit more financially stable let's

 

say your fifth one is that you own a HMO

 

you're renting out properties to other

 

people another great passive income

 

source is become a ugc influencer this

 

is when you don't need to create kind of

 

like a name for yourself you don't need

 

to have hundreds of thousands of

 

followers essentially you're

 

specializing in content creation for

 

Brands so you build up a portfolio and

 

you ask Brands to send you products for

 

free to start off with and you basically

 

create ad content for them that they can

 

post on their Pages as it's as if an

 

actual influencer made it for them all

 

you specialize in is the filming the

 

editing the photography if that's what

 

you're interested in you can do this

 

with zero followers once you've built up

 

a portfolio and a client base Brands

 

will literally start paying you to make

 

content for them I know people that make

 

10K plus doing this every single month

 

and it's fun to sum up yes about our

 

cons yes it takes time to build up yes

 

it's difficult but guess what nobody

 

said it was going to be easy and with

 

everything you do in life that is a

 

difficulty that comes with it setting up

 

a business yes you'll make more money

 

and one day be able to step aside from

 

the business and retire early but you

 

are going to have to put in hundreds of

 

hours in the first few years and

 

essentially you will use your freedom

 

because of all of the stresses that

 

you're taking on as one individual

 

person but I nine survive you have more

 

of a work-life balance but your income

 

will be capped for the rest of your life

 

there is a bad side to everything in

 

life you just need to pick the bad side

 

that's worth it for you chapter number

 

three your new habits and your new

 

mindset step number one is to rewire

 

your brain and get rid of all of the

 

false information and narratives you've

 

been sold your entire life for example I

 

know people whose parents have passed on

 

to them their scarcity mindset because

 

of the way they struggled financially in

 

their life but their child is in a

 

better position because they did better

 

at school they have certain talents that

 

their parents didn't have they have so

 

much more opportunity in their life and

 

they're not taking it because they're

 

adopting the mindset their parents want

 

once had even though their circumstances

 

are different the best thing you can do

 

for yourself is to stop listening to

 

your parents way of doing things because

 

when they were your age that was a very

 

long time ago and things have changed

 

okay we now live in the age of the

 

internet where anything is possible

 

don't start limiting yourself before

 

you've even begun because of the

 

pressures that other people are putting

 

on to you and instead start building

 

your abundance mindset and believe you

 

are going to be a millionaire one day

 

you are going to be financially abundant

 

at a young age this links into step

 

number two start exposing yourself to

 

all of the possibilities out there this

 

is the easiest way to start building up

 

your abundance mindset and rewiring your

 

subconscious mind the this links into

 

the podcast you listen to the books you

 

read the videos you watch the people you

 

listen to from the age of 16 I would

 

regularly watch motivational speeches

 

from extremely wealthy and successful

 

people on YouTube and when I was 17 I

 

read my first financial literacy book

 

which was Rich Dad Poor Dad I highly

 

recommend this and instantly that got me

 

out of the mindset that I had been

 

taught for the last 17 years of my life

 

in school which was that I had to work a

 

nine to five because I had been exposing

 

myself to books like that and listening

 

to people who had made it I was

 

normalizing success to myself normalize

 

visualizing your dream life book a

 

viewing for your dream apartment even if

 

you're not gonna buy it Go window

 

shopping in designer store outlets go to

 

networking events with people who have

 

already made it put yourself in those

 

rooms that is the epitome of the rich

 

girl lifestyle and mindset step number

 

three outcome over cost this is why we

 

bring in poor girl mindset versus rich

 

girl mindset again poor girl mindset

 

always looks at the price of things and

 

thinks oh that pillowcase is 50 pounds

 

or that course is 100 pounds not worth

 

it I'm not spending my money on that

 

rich girl mindset looks at that cost and

 

thinks a good night's sleep more

 

knowledge to be able to build up more

 

skills to offer more services to my

 

clients so I can have a better passive

 

income business worth it it's like I

 

said before you have to spend money to

 

make money and some costs are just worth

 

it based on the outcome they give you

 

when I was 19 years old and I was a

 

broke uni student I spent 70 pounds on

 

an ebook about social media marketing

 

and oh my God it hurt to spend that

 

money on that I would not buy myself

 

clothes at this point I was not buying

 

myself new makeup I had very very little

 

money and I was stressed financially all

 

the time I reread that book every single

 

week for the next three years and I

 

learned how to build a community online

 

how to be a successful content creator

 

over and over and over again and I made

 

it step number four credit cards make

 

you richer this is a poor girl mindset

 

misconception a lot of people look at

 

credit cards and don't touch them

 

because they assume that you know it's

 

really bad debt and people get into

 

trouble with them and you know I don't

 

need a loan it's not about needing a

 

loan it's about being Smarter with your

 

money the literal can you qualify for a

 

credit card you need to have one for the

 

sole purpose of building up your credit

 

score and that is going to help when you

 

are renting out your first apartment

 

buying your first home setting up your

 

real estate business for example all it

 

takes is setting a reminder in your

 

phone at the same day every single month

 

so you are paying off your debts right

 

so you are going to pull every single

 

one of your daily expenses on your

 

credit card your grocery bill your

 

transport any food that you buy when you

 

are with your friends your cinema

 

tickets whatever and you're going to

 

keep paying everything on this credit

 

card and then simply transfer your debit

 

card money over to your credit card to

 

pay that all off and as you do this over

 

the month your credit score will start

 

building once you have a good credit

 

score paired with good money that you're

 

making you will then be able to qualify

 

for an American Express card I currently

 

have the gold one and basically once

 

again this is about being Smarter with

 

your money I pay for everything on my

 

AmEx before I pay it off every single

 

month with the money I actually have and

 

what this does is all of the money that

 

you're spending on your Amex then

 

converts into points and they give you

 

money towards your grocery bill towards

 

things like Asos buying makeup buying

 

clothes essentially you get free money

 

so you are saving in other areas of your

 

life just by using this card step number

 

five close the knowledge gap for example

 

to make it really easy for you let's say

 

you love your nine to five you love the

 

field that you're in and you want to

 

stay there there's nothing wrong with

 

that right so now what you're going to

 

do is you're going to close the

 

knowledge Gap by consistently

 

self-educating on the side of doing your

 

job educating to be the best in your

 

field let's say you're a marketing

 

assistant you want to be moving up the

 

corporate ladder to get to marketing

 

manager and move to Big corporations

 

like Coca-Cola or Disney for example you

 

want to work at these big companies so

 

you constantly need to be doing courses

 

and things on the side to add to your

 

resume so that you can interview at

 

these bigger companies and keep

 

increasing your salary after that if you

 

don't want to do a business or passive

 

income stream that's fine make sure that

 

your salary keeps increasing at your

 

nine to five and then invest big

 

portions of that every single month AKA

 

invest in your self-education learning

 

should never stop whether you want to

 

stay in your nine to five whether you're

 

looking at building up businesses but

 

before you do that learning comes first

 

when you become the best at what you do

 

in your field the money starts coming in

 

naturally step number six stop buying to

 

show off and start buying to tax

 

write-off if you're a business owner and

 

you want to start setting up these

 

passive income streams you're going to

 

set up yourself a limited company and

 

then you're gonna have to start doing

 

your taxes yourself basically or really

 

you should be getting an accountant to

 

sort this for you as a business owner

 

before I buy anything I see everything

 

is more expensive than it actually is

 

because I think once I buy this I'm also

 

going to have to pay tax on it at the

 

end of the year whereas if I start

 

investing in building a team and hiring

 

an assistant hiring a video editor then

 

I'm being Smarter with my money and I'm

 

growing my business while also saving

 

money step number seven avoid the

 

unhappy and The Unlucky that is a law

 

from the book The 49 Laws of Power if

 

I'm remembering correctly and basically

 

the author Robert Greene talks about

 

avoiding avoiding these infectious types

 

of people over the last few years of my

 

life I've become so picky with who I

 

surround myself with I don't talk or

 

well I'm not friends with anybody who

 

has a scarcity mindset constantly talks

 

about how unlucky they are it might

 

sound extreme it might sound rude or

 

picky I'm okay with that every single

 

person in my life even though I have a

 

small circle is so ambitious and so

 

positive that just being around them

 

even if we're not having that particular

 

conversation that energy spreads on to

 

me just as it would if someone was

 

constantly unhappy and unlucky they are

 

like this infectious type that will

 

bring you down with them step number

 

eight stop saying I can't afford this

 

and start saying how can I afford this

 

this is once again another example of

 

moving towards an abundance mindset stop

 

thinking that there isn't enough money

 

to go around and your language and your

 

thoughts are everything it literally

 

creates your reality so if you want

 

something stop thinking that you can't

 

have it and start visualizing a future

 

where you do get it and start

 

formulating the plan of how can I now

 

increase my monthly income to start be

 

able to affording these luxuries step

 

number nine always live below your means

 

I have always balanced my abundance

 

mindset with acting like I don't have

 

enough money to spend on myself so when

 

I was in University all of my friends

 

and I we had the same student loan they

 

were using it to buy airpods the new

 

iPhone nice clothes I think I bought

 

myself airpods six years after they even

 

came out because I just didn't see them

 

as a worthy enough purchase and I was

 

constantly putting money away putting

 

money away and because I did that I was

 

able to afford the electrical equipment

 

the camera and everything I needed to

 

set up the business I wanted to do which

 

was YouTube and content creation by

 

saving up that money to then put towards

 

these things I invested my money in a

 

smart way where now because I did that

 

and I was able to start my passive

 

income business faster now my business

 

is generating the income and I've made

 

up all of that money back if not more

 

but of course I'm all about faking it to

 

make it and embodying that rich girl

 

mindset energy and depending on your

 

circumstance if you're like me when I

 

was in uni and I truly did not have much

 

at all to spend you need to start

 

emulating luxury once again to normalize

 

it to yourself you know so some of us to

 

amulet luxury we can get our nails done

 

every single month if you're not in that

 

situation and have a spa day at home

 

start giving yourself a money pedi book

 

a massage for yourself maybe two or

 

three times a year to normalize that

 

luxury and treatment for yourself to

 

know that that's the direction you're

 

headed in and step number 10 in your new

 

habits and mindset is start using the

 

right language stop speaking scarcely

 

and describing yourself with weak words

 

all words create your reality and now

 

you need to change what you're saying to

 

yourself on a daily basis and of course

 

this goes hand in hand with daily

 

affirmations which I'm going to be

 

sharing with you guys right at the end

 

of this video and lastly chapter number

 

four the homework chapter with

 

affirmations right at the end home at

 

task number one sign up for a credit

 

card right now once you get it you're

 

gonna put a monthly reminder in your

 

phone calendar to make sure you're

 

paying off every single month when you

 

don't pay off or you're late that's when

 

you have to start paying interest and

 

you get in trouble with the bank

 

homemade task number two start looking

 

up networking events in your area and go

 

to one ASAP this is so you can start

 

surrounding yourself with people that

 

are what you want to be people with

 

similar ambition and mindset so you can

 

start adopting that energy and

 

normalizing that lifestyle an experience

 

to yourself home at task number three

 

choose a passive income stream it can be

 

one of the streams I mentioned in this

 

video or you can go and do some

 

researching on Google YouTube even Tick

 

Tock as a search engine look at what

 

everyone is saying there are literal

 

content creators that specialize in

 

telling you guys good passive income

 

streams choose one start one ASAP number

 

four download the app Snoop if you don't

 

have it already this is something I use

 

on a daily basis and this really helps

 

me with responsible spending number five

 

start some form of self-education this

 

week it could be in the form of reading

 

a book I'll give you guys

 

recommendations in a minute starting a

 

podcast where people are talking about

 

how to invest step number six start

 

budgeting your monthly income have a

 

certain portion that's going to go into

 

your pension a certain portion that's

 

going to go to stocks and a certain

 

portion that's going to go into an Isa

 

if you don't have one already start

 

googling that and open the account ASAP

 

step number seven Buy and read the

 

following books Rich Dad Poor Dad by

 

Robert Kiyosaki but the entire

 

collection I believe there are three or

 

four books so you're gonna read the

 

original and then he has a few books

 

after that really go into detail on how

 

to invest another great book is called

 

Think and Grow Rich this is by Napoleon

 

Hill the third book is called the four

 

hour work week I can't remember the

 

author but once again I read this when I

 

was 17. it changed my life and my

 

complete mindset around business and how

 

I wanted my career to go and lastly

 

girls that invest by simran Court I

 

literally just ordered that book on

 

Amazon two days ago I can't wait to

 

start reading it but the reviews are

 

phenomenal so we can read it together at

 

the same time and your last homework

 

task is get an accountant ever since I

 

did this my finances have transformed

 

I've had Financial advice that I didn't

 

even consider before it's such a smart

 

move so especially if you're a business

 

owner please get on that ASAP and lastly

 

our financial affirmations I am

 

financially abundant money flows into my

 

life easily I am aligned with the energy

 

of wealth and abundance the more money I

 

spend the more money I have and receive

 

I am worthy of increasing my income I

 

release any negative Financial energy

 

everything I touch turns to Gold I am so

 

grateful for the ability to manifest

 

them money whenever I want it money

 

chooses me always and finally I have the

 

power to be a financially successful

 

person and that brings us to the end of

 

this video I hope you guys enjoyed it

 

just a quick note I am not a financial

 

advisor by any means I'm just showing

 

some of the financial lessons that I've

 

learned over the last few years so I'll

 

definitely make more of these types of

 

videos in the future as my knowledge

 

increases on the subject because I am

 

not a pro yet so make sure you take

 

everything I say with a pinch of salt

 

and kind of apply it to what fits your

 

circumstances if you like this video

 

comment down below and let me know what

 

you thought and remember I have a brand

 

new Vlog Channel and I upload on that

 

every single week that is linked in the

 

description so you can see how I live my

 

life on a weekly basis and don't forget

 

you can listen to all of the YouTube

 

videos on this channel in podcast format

 

also linked Below in the description

 

thank you so much for watching I

 

appreciate you and I'll see you next

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