Earn More With Less

The difference that separates a good investor from a bad investor is that the good investor can make more money with less money.

Leverages allow us to do more with less force.

The Key Is Leverage

People have sought to do more work with less labor since they lived in caves. When a child was old enough, he was taught to use a spear for hunting and defending himself. Spear has provided a great deal of convenience to human beings in their cruel environment. Over the years the spears have shrunk in size and the bow and arrow have been developed. This was a superior technology. Compared to a spear, the bow and arrow allowed people to do more with less.

As time progressed, man learned to tame horses. More distance could be taken on horseback in a shorter time and with less fatigue. It was an important convenience used not only in transportation and agriculture but also in wars.

When gunpowder was invented, the rulers who owned the cannons triumphed. Indigenous peoples such as the American Indians, the Hawaiian people, the Maoris of New Zealand, the Aborigines of Australia, and many other cultures lost to gunpowder.

Just a hundred years ago, cars and airplanes replaced horses. Once again, these new technologies have been used in wars and peacetime for some work. Telephone, radio, television, computer and internet networks all also enable people to do more with less. Actually, they are all levers. Each breakthrough new invention brings more power and wealth to those who have access to these tools.

If you want to be rich and not a victim of global changes, it is essential that you develop the leverage that is stronger than all others: Your mind. If you want to be rich and protect your wealth, your mind, your financial education, is your strongest lever.

You might say: “I don’t know anyone who can teach me finance. I haven’t heard of such an education. There is nothing to do.” Perhaps because of this mindset, your chances of reaching great wealth and, more importantly, protecting your potential wealth are extremely low. Your chances are low because you are using your most important asset, your mind, against yourself. You’re using your mind to find excuses instead of making money or finding solutions. Remember that your mind is your strongest lever. If you can’t control your mind, you can’t control your life. Excuses are easy to find. For this reason, unsuccessful people always have an excuse.

We Are All Born Rich

We are all born rich. Each of us has been given intelligence, the world’s most powerful lever. So instead of using our minds to make excuses, let’s use it as leverage to make us rich.

In summary, the difference between cavemen and monkeys is leverage. The difference between the rich, the poor, and the middle class is leverage. The difference between savers and investors is leverage. A well-educated and disciplined investor can achieve higher returns by taking much less risk and spending less money. But this requires leverage. And in order to have leverage it requires you to train yourself and use your mind wisely.

If you want to learn more about investing, you may read my YOU NEED TO SAVE MONEY post.

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Which Path Are You More Inclined To? (Employee, Self-Employed, Employer or Investor)

To earn money, we must be an employee, self-employed, employer or investor. Of course, we can be a few of these at the same time. We mentioned about that. Let’s look at these four ways to make money in more detail. Thus, we will see the characteristics of the people who tend to take each path.


When I hear the words “assurance” or “side income,” I get an idea of who the person is actually speaking. The word “assurance” is a sign of fear. There are many who hate the fear that comes with economic uncertainty. Employees frequently use the concept of assurance when they are afraid. 

The concept of “side income” refers to a defined additional income besides the wage received, such as a health plan or individual pension. The important thing here is the desire of employees to feel safe and to see something on the document. Uncertainty doesn’t make them happy; they seek certainty. They say, “I’ll give you this… but in return, promise to give me that.”

Employees want to reduce their fears. They want assurance and solid agreements when it comes to employment. When they say “Money doesn’t concern me.” they say it right.

For them, assurance is more important than money.

Employees can be senior managers or janitors. It doesn’t matter what they do, what matters is the employment contract they signed with the institution they work for.


These are those who want to “be their own boss” or “do their own business.”

They’re tight when it comes to money, and they don’t like their income dependent on others. If a self-employed person works hard, they want to pay off. They do not like to be determined by someone else or someone who does not work as hard as they do. If they work well, pay them. No, if they don’t do their job well, they will understand that they have to get as much as they deserve. They have a completely independent spirit when it comes to money.

This group includes well-educated “professionals” such as doctors and lawyers who have spent their years studying.

Most self-employed people are perfectionists. They want their work to be very good. According to them, nobody but themselves can do the best. They don’t believe that no one can do a job the way they want to. These people are artists in their own field and they do their work in their own way.

That’s why we become their customers. For example, you will go to a dentist, you want her to be well trained and experienced in her field. But more importantly, you pay attention to her being a perfectionist. You show the same care for hairdressers, marketing consultants, plumbers, electricians, lawyers or trainers. Whichever self-employed you need, you look for the best in the field.

It is not easy for these people to find someone to work with, because they do not believe that there is someone who will do the job better than they do. It is not easy for these people to find someone to work with, because they do not believe that there is someone who will do the job better than they do. “I cannot find a suitable colleague to recruit,” they often complain.

They train someone and teach the business. Most of the time, the trained employee quits the job to “do his own job”, “to be his own boss” and “to go his own way”.


They can do almost anything that self-employed people do not. Real employers hire people from all four categories for their business. Unlike self-employed people who do not like to distribute work to others because they don’t think that anyone but themselves will do the job the best, real employers love to share work. The motto of these people may be “Why should I do it when I can have someone else do it?”.

Henry Ford, for example, is one such person. It is said that a group of intellectuals accused him of being ignorant. They claim that Ford is “unaware” of the world. Then Ford invites them to his office and tells them to ask him questions. Thus, these intellectuals begin to pose questions to America’s most powerful industrialist. After listening carefully to the questions, Ford reaches for the phones on his desk and calls one of his smartest assistants inside, asking him to answer the questions. At the end of the panel, he tells his guests that he is hiring smart, educated people so that he can devote time to more important tasks. His more important task is “thinking.”

Self-employed people own a business, whereas employers own the system they have set up and employ people who are qualified to run that system. Most of the time, self-employed people can’t leave their jobs. When they want to take a vacation, their income must also go on vacation. This is an important difference between self-employed people and employers. Employers can take a vacation whenever they want, thanks to the systems. When they go on vacation, the flow of money continues.

The requirements to be a successful employer can be summarized as follows:

a. Owning or controlling the system;

b. Leading people.


Investors make money from money. They don’t have to work because their money works instead.

This way is the playground of the rich. Whichever way one earns money, if one day aims to get rich, sooner or later he has to choose the investment path. This is the only way where money can be converted into wealth. And the great thing about all of this is that it is possible and easy for anyone, whether poor, middle-class or rich, to choose this path.

I recommend you to read my THE KEY TO BEING A SUCCESSFUL INVESTOR post. You may also read THE FIRST RULE OF GETTING RICH if you are interested in investing.

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