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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