Why Nine-tenths of Enterprises Fail

“The beginning is the most important part of the work.”

Plato

All business owners and even employees should think big and make plans for expansion. In order to start a job, a strong reason, in other words a source of motivation, is required. This part requires thinking big, and unfortunately most people fail at this step.

Ray Kroc, unlike most people, was able to think big and realize his plans. He got into the hamburger business. But if he had chosen another business, he would probably have done well there too. Many small business owners tend to keep their business small. Ray Kroc developed a system for his small business, then expanded his hamburger business into a huge company.

The triangle below is the one that Robert T. Kiyosaki often emphasizes in his books. The purpose of this triangle is to help focus thoughts and teach the eight main topics that will make a business successful.

Statistics show that, nine out of ten businesses fail in the first five years. Nine-tenths of businesses that can continue for more than five years end before they see the tenth year. Here is the 90/10 rule of money again.

Many business ventures fail because at least one of the eight sections in Kiyosaki’s triangle is weak or lacking in these ventures.

A Business Needs A Very Strong Mission to Be Successful

In the triangle, the “product” is uppermost; but it has the smallest area. The “mission” is at the bottom but is one of the three items with the largest area. Mission is at the base of the triangle. Undoubtedly, the most important item in this triangle is mission.

I’ve heard a lot of people who want to be entrepreneurs say, “I have a great idea.” These great ideas sometimes have a chance to come true. The world is full of great products that have failed. This is because the base of the triangle is not strong. When you ask those who want to be entrepreneurs about their mission, most of them answer you: “I’ll make money!” If the focus is on making money rather than enterprise, the result is likely to be disappointing.

Mission is the most important thing to the business. Mission is the soul and heart of a business. The lack of Mission, means the lack of power to tackle tough road to tread.

When the most successful businesses studied, you’ll see a well-based and solid triangle. Their mission is motivating, leadership is well executed, managers are competent and work in harmony, cash flow and finances are good, sales and marketing communication are effectively provided, the system established for employees works efficiently, legal documents and contracts are clear and understandable, and of course the product produced – as a result of all of them – very good.

The System Is a Major Difference Between Small Businesses and Big Businesses or Companies

Most of us can make more delicious burgers than McDonald’s burgers. But how many of us can build a better system? The system is a crucial difference between small businesses and big businesses. In small businesses, the owner of the business is the system itself. Things don’t work out in his absence. Many businesses operate in this way depending on people.

Big businesses and companies operate on their well-designed systems. Employees or leaders can change over time. However, thanks to the system, the same process continues. McDonald’s works the same all over the world.

When businesses with well-educated, high-salary, hardworking employees who still achieve little are analyzed, it is seen that these businesses depend on people. A system has not been developed for these enterprises. Even a business with well-educated and highly paid employees will fail unless there are well-functioning systems.Entrepreneurs are the people who have to build great racing cars. CEOs are the pilots of those cars. A great pilot can’t win a race with a bad car. There are very few people who produce racing cars and become their drivers at the same time. Bill Gates, Michael Dell and Steve Jobs are such people. We’ve seen these guys all building and driving excellent racing cars.

You may also read my THE DIFFERENCE BETWEEN YOUR WORK AND YOUR BUSINESS post if you are interested.

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Ten Characteristics of Leaders and Successful Investors

They Think Positive

From time to time everyone fails, moves away from their goals, or becomes disappointed. But only those who do not give up on their goals can achieve success.

Almost every successful investor is a positive thinker. No matter how difficult the conditions are, they manage to look to the future with hope. Moreover, they do not stop improving and walking towards their goals even in the most adverse times. They don’t allow negative people or negative situations to divert them from their path. An average investor experiences dozens of small and big crises throughout his life.

Of course, we are not talking about a naive positivity here. A positive thought, strengthened and supported by knowledge, benefits everyone.

They Make Conscious Choices Towards Their Goals

Great investors and leaders make clear plans for their goals, and everything they do is directed towards that.

For example, Muhammad Ali, when he was a skinny boy, set his mind on becoming a heavyweight boxing champion and started working towards it. Warren Buffett was trying to accumulate capital by distributing newspapers with a profit of 1 cent each.

If we want to be successful, we must make sacrifices in this regard and all our steps must be directed towards this.

In particular, financial independence requires serious learning and practice. Saving can be learned, investing can be learned, but these skills do not come to you. You have to start somewhere. Then, it is necessary to constantly improve yourself.

We will either find a way or make a one. 

Hannibal

Goals Don’t Work Unless Taking Action

Successful investors and leaders “take action”. They must always move. They make and implement their decisions. Of course this requires a solid character.

You may owe a lot and you may not have invested yet. So you have to act now. Because the 100 dollars saved today is not just a piece of paper. It is a step for your new life that you are constantly improving.

“The best time to plant a tree was 20 years ago. The second best time is now.”

A popular Chinese proverb.

Successful People Never Stop Learning

Studies have found two common characteristics of successful people. The first is that they work in many different jobs and take on various responsibilities as a child. The other is reading too many books.

Warren Buffett tells students who ask the secret of being a successful investor: “You should read 500 pages of books a day. Because knowledge is like compound returns. It increases exponentially. But I know that most of you will not do that. “

The Key to Success is Working Hard and Being Persistent

Investing is like a long-term marathon. In this way, you always learn, develop and mature. Successful investors never give up.

Jesse Livermore, despite three bankruptcies, continued to renew his system, take lessons, and work harder. When Tesla first went to America, he had to dig holes for two years, Michael Jordan was kicked out of the basketball team in high school, Einstein received an F in mathematics and did not receive acceptance from the university to become a researcher.

Many of life’s failures are people who did not realize how close they were to success when they gave up.

Thomas A. Edison

Successful People Make Detailed Analysis and Search for the Facts

Famous investors attach great importance to details and work hard to get the facts. While most people forget their mistakes, they confront them and do detailed analysis.

“Plot out your mistakes on charts, study them, and write some additional rules in order to correct your mistakes and the actions that cost you money.”

William O’Neil

“When the facts change I change my mind, what do you do sir?” 

John Maynard Keynes

Successful Investors Focus on Time and Money

Successful investors value their time very much. Being able to say no is their biggest weapon. They don’t let anything get in their way and distract them from their goals.

Focusing and saying no are important to achieving goals.

Success Often Requires Doing Things Different and Innovating

Most successful people have found new ways to do things more efficiently. Most of the time, they criticized the existing.

Sam Walton warns people to swim against the flow of the river, to go the opposite way of everyone’s heading, and to go against the general public belief. “If everyone is doing something the same way, you can find different things only by going in reverse.” he says.

John C. Bogle, who revolutionized the Fund Management industry with low-cost index funds, could not convince anyone when this idea came to his mind. Now, most of the savings in America are parked in low-cost S&P 500 index funds.

Successful People Inspire The Masses

Successful people set an example to others with their lives and words. They are a teacher, motivating coach or inspiration for the masses.

Warren Buffett’s letters to Berkshire Hathaway shareholders are read by millions.

Long-Term Success Requires Honesty and Solidity

Successful leaders are all honest, reliable, and responsible people. They never give up on their principles. Because these principles are the products of experience they have created to prevent them from making the same mistakes again.

Jesse Livermore has never taken a venture with all his money again after losing all his money twice. In addition, he has adopted the principle of cutting his losses after reaching a certain rate. Warren Buffett never invests in businesses he doesn’t know about.

Principles like these have saved the lives of investors.

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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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Work in the Field You Wish to Work in

It is important to know yourself and your inclinations before taking a step on the path you are thinking of.

I know that some people’s gaze becomes dull when they see a formula or a graphic. Because they know it takes some time and effort to understand them. But those dull looks can turn into a joyful or even exciting gaze when it is realized how much cash flow and profit success can be improved thanks to understanding the graphics. This is a choice.

We all need to do some internal research to find out what we want to be and do. What if you realize one day that you are not living your life as you wish? If your own life isn’t yours, then whose? If you are not going to think about your own life, then who will think about it?

I hope we all chose which area we would like to do business in. It’s about having the vision and goals to make things happen and achieve success. It is difficult to change the status quo if necessary, but sometimes it is best to do so.

The right to choose is a freedom that we should all have. When I meet people, whose lifestyles are different from mine, I think of restaurant menus: There is something for everyone. And if what we’re looking for isn’t on the menu, we can always find another restaurant we can go to. After all, everyone has their own taste.

We can be very influenced by the people around us. It is not easy to get out of our comfort zone and do something different. We may need some time to be able to move forward our own way. But we can eventually manage to choose a path full of people and events that we really enjoy. This is like writing the screenplay for the movie we’re in. We enjoy writing, playing and watching it.

Imagine yourself writing the scenes of your life movie. What kind of scene would you like to act? I don’t think any of us would want to write scenes where he was doing unnecessary work or getting bored or poor. While such scenes are not fun to write, they will also be boring and depressing to act and watch. Give yourself the freedom to move towards the person you really want to be or the things you want to do.

I say “give yourself the freedom” because most likely you will be the one who gives yourself a chance. Many people want their status quo to continue. However, maintaining a position will not get anyone forward. You have the ability to take steps. Reading this post and this blog is a step towards change.

Life is a war. Make sure you fight well. Also, avoid empty and meaningless wars. Don’t live a worthless life and waste your energy.

Do not forget to write your own script. Then act it and see you live the life you desire. This is a freedom, this is a power, and that means winning in every sense.

If you want to make a change in your business, I recommend you to read my MAKE MONEY IN A BETTER WAY post.

Do you need to get motivated for your financial growth and getting rich? You can reach my other posts in motivation category here.

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Make Money in a Better Way

It Doesn’t Need to Have Money to Make Money

We know that many successful people dropped out of school without getting a degree or never went to college. General Electric founder Thomas Edison, Ford Motor Co Founder Henry Ford, Microsoft founder Bill Gates, CNN founder Ted Turner, Dell computer founder Michael Dell, Apple Computer Company founder Steve Jobs, Polo’s founder Ralph Lauren did so. Higher education is important in traditional professions, but for these men it wasn’t important in accessing great wealth since they started their own business.

So, What Do You Need?

If money isn’t needed to make money and schools don’t teach how to achieve financial freedom, then what is needed?

It is necessary to dream, to be determined, the desire to learn quickly, the ability to use God’s blessings, and to know how to earn income.

Which Way Do You Make Your Income?

Different ways of earning income.

An employee earns money by getting a job, working for someone else or working for a company. A self-employed person earns money by working for himself. An employer has set up a business that generates income. An investor earns money from the various investments she makes.

There are different ways to generate income. It requires different mindset, different technical skills, different learning path and different people. Different people find themselves closer to different areas.

Although money is the same everywhere, the way it is earned can be very different. Think of the different qualities required in all four ways and ask yourself which way you get the most of your income.

Each one is very different. Earning income from different segments requires different skills and different personalities, even if the person in each segment is the same. Switching from one method to another is like playing golf or tennis in the morning and going dancing at night.

You Can Earn Income in These Four Ways

Most of us have the potential to generate income in all four ways. Which one we choose has nothing to do with what we are taught at school. It is more related to our values, strength, weaknesses and interests. What kind of person we are determines how we will earn our income.

Whatever we do professionally, it is possible to earn income in these four ways. For example, suppose a doctor chooses to earn income as an employee. He can work in a hospital or a public institution. He can even become a military doctor or become a permanent doctor of one of the insurance companies.

The same man can also open a clinic and work as a self-employed. He can also choose to be an employer. He hires other doctors. He doesn’t have to work in his own polyclinic, then he can employ a administrator. If this doctor does not necessarily want to have a job in the field of health, he can also establish a company operating in a completely different sector. 

He can also invest in other people’s business or other investment instruments such as stocks, bonds and real estate.

Different Methods of Generating a Source of Income

The way we earn income depends on our character. Some prefer to work for someone else, some hate it. Some people like to own a company but also like to run that company. While some people like to invest, others avoid it by citing the risk of losing money. Most of these attitudes can be found in us.

You Can Become Rich or Poor in All Four Ways

There is no clear relationship between these methods and wealth or poverty. Earning millions or being broke is up to the person himself. Choosing one way or another is not a guarantee of financial success, and no one can give you any advice.

These Methods Are Not Equal

Knowing the different features of each method is useful in understanding which one or which ones are more suitable for us.

Let’s say I choose to earn my income primarily as an employer and investor. Because I would like to take advantage of tax benefits. Legal tax privileges for groups at the top of the table are limited. On the other hand, there are plenty of loopholes regarding tax that can be used by those below in the table. If I get my income as an employer and investor, I can earn much more money in a shorter time and I will not pay high tax.

Money Supports Life

I believe it is absurd to spend a lifetime working to earn money and pretending that money is not important. Life is worth more than money. On the other hand, money is also important in terms of supporting life. We must learn to make money without working long hours. That’s when we get plenty of time to do other things.

If you take a closer look at this simple table, you will see that it contains not only different views of the world, but also very different worlds.

Neither is better than the other. Each of them has strengths and weaknesses.

Some of us can walk more than one path, maybe even all of the paths. We are all different individuals, remember, one method is not better or more important than the other. In every village, town and city of the world, all kinds of professionals are needed in order to balance the financial stability of the society.

On the one hand, our interests change as we grow older and our experience increases. For example, many young people who have just graduated from school are elated when they find a job. However, after a year or two, few find that they are not interested in rising up the corporate hierarchy or are not interested in their business. These changes that come with age and experience cause one to seek new ways to grow, challenge, achieve financial reward and achieve personal happiness…

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The Key To Being a Successful Investor

One tenth of the people in the world own nine tenths of the total assets. If we are not careful, this ratio can reach 95/05 and even 99/01 in a very short time. In other words, 1% of people can own 99% of wealth.

“Ah, but a man’s reach should exceed his grasp, Or what’s a heaven for?”

Robert Browning

It is our dreams that keep us moving forward. If your reality starts with your dreams, I am happy to say that your dreams will become your reality.

Why so? Because if we didn’t have dreams, we would be living just to survive. I don’t believe that most people’s goal is just to survive. Have you ever heard any teenager say that he hopes to be a stray bum? Usually they say things like: “I want to be president.” “I want to be an astronaut.” “I want to be a fireman.” “I want to be a doctor or an engineer.” These are professions that require effort and sometimes heroism, and young people have dreams and aspirations for these professions.

Winners are always young in spirit. They set high goals and have plans and enthusiasm to achieve what they aim for. They may have crazy dreams, but that’s better than not having them. Then they focus on whatever is necessary to achieve these dreams and make an effort in this direction.

Being stubborn is an important part of being a winner. Some people fail because they give up too soon. When I was little, my uncle always told us the story of a man who loved soda and therefore got into the soda business by creating a product called 3UP. It had failed. Therefore, he started to work again and this time came to the market with a soda called 4UP. This product had also failed. So he named his product 5UP and this time he did whatever it took to be successful, but as you can imagine, it failed again. Realizing that he still liked soda, he made another trial and named his new product 6UP. When this product failed, he completely gave up on this business.

A few years later, someone else produced a new soda and named it 7UP, which was a huge success. When I was young, I could not understand why my uncle kept telling this story. He has told us the same story many times. Later I realized that he actually wanted to tell us not to give up. I never forgot this story and never gave up. His story was very accurate. Tell yourself this story if you need it, and see your inner winning side come into play.

The other component of winning is simply having a winning attitude. I tell people to see themselves as victorious. Positive thinking helps. It is a great power. Winning requires you to have that kind of power. Power means durability. Being positive gives you the strength to deal with extremely difficult situations.

Are you stubborn enough to win? Then you can invest to make money! This is not a foreign region, and you don’t need a passport or visa to enter the winning investor class. I have heard many people say “I am too stubborn” when talking about themselves. But then they pretend they don’t have what it takes to invest! They even talk in such a way that you think they don’t have the right to learn about investment. They’re just missing out on a great pastime and also a better financial future.

Ignorance can cost a lot more than education, and this certainly applies to your financial education. Don’t let the fear of the unknown hamper your aspirations and financial well-being. There are people who would like to take advantage of you. As an example of this, I have seen such situations happen to successful athletes. While they had millions during their sports career, they lose all their assets within 10 years of retirement. Do not let such a thing happen on your own. Learn about money and use what you’ve learned in a way that works for you. This is the first and most important key to a successful investment.

Don’t know where to start investing? I suggest you read my THE FIRST RULE OF GETTING RICH post.

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Make Your Investments To Earn

People have three types of investment behavior:

  • Not investing at all
  • Invest in order not to lose
  • Invest to earn

People who do not invest at all expect the state, the company they work for or their families to take care of them after they retire.

Those who invest in order not to lose usually choose investments that they think are safe. This group constitutes the majority of investors.

Those who invest in order to earn, turn to higher return investments. They are more willing to invest, they research and learn more about investment.

The strange thing is that all of these people, regardless of their investment attitude, have the potential to become rich.

The reason many people invest in order not to lose is because they find the investment risky and compare it to gambling. In addition, almost all of them think they need to take more risks to get higher returns. However, there is not such a direct relationship between high risk and high return.

Raising money is a really fun game. However, most people live in fear instead of enjoying this pastime. Therefore, they take their steps cautiously. They make “safe” investments, cling to social security, and live below their possible standards. Millions of them are also bogged down in debt and live paycheck to paycheck. Although these people wanted to have fun, they did not learn to invest in order to earn. Therefore, they are not considered to have actually built a good life.

The 90/10 Rule of Money

Most of us have heard of the 80/20 rule. Now I want to tell you about the 90/10 rule. This rule is an always reliable practical rule that I also apply in my own life.

Very simply, in the money game, 10% of the players get 90% of the money. We know that 10% of the world owns 90% of the current assets. 10% of real estate investors hold 90% of the investments. One-tenth of these are also the ones with the highest wealth. The 90/10 rule also applies to specialties. For example, in basketball, 10% of all professional players earn 90% of the money.

The 90/10 rule also helped me decide which area to head to. For example, the reason why I did not choose to be a basketball player was that I thought I would not be able to enter 1 in 10 in this field. If you had seen me singing, you could understand why I am not a singer.

Ask yourself in which field or industry you can enter the 10%. Do you think you are in the 10% of your current job? If not, is it because of your lack of skills in your field or something else? This short conversation with yourself in front of the mirror will give you a lot. Just make sure that no one is around you while doing this…

I recommend you to read my SEIZE THE POWER OF MONEY post.

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A Motivation Post for Those Who Want to Get Rich

Everyone has financial problems. If you want to get rich, you have to solve problems. Identifying the problem creates the opportunity to reach a solution.

Each generation has and will have a unique set of financial problems. The challenges faced by my generation of parents were the global economic crisis and the oil shock. Their solution to these problems was going to school, finding a safe and good job, retiring at the age of 65, and spending the rest of their lives watching sports. For the vast majority of my parents’ generation, getting a good education and getting a good job was enough to survive financially.

Our generation is faced with a different set of financial problems. A good university education and a good job are not enough today. Exporting jobs overseas also makes the problem even more intricate.

The next generation, Generation Z, will have different financial problems that it will have to deal with. If our generation fails to clear the mess that the generation before ourselves left us, the complexity that the generation Z has to deal with will be much greater. Generation Z will have to deal not only with their own financial problems, but also with the problems they inherited or even inherited to their parents.

The growing scale of this problem, currently worth trillions of dollars, is daunting. Simply handing this problem over to the next generation will only make the problem bigger and more complex. As financial problems become bigger and more complex, the financial IQ we will need to solve them has to be higher. We will need all of our brainpower to solve this problem.

My suggestion to you is to overcome the storms in today’s financial world with proper financial education and planning. Find ways to solve problems and get richer with this training.

One thing we should all bear in mind is that a little effort is the best substitute for excuses. If we all make some effort to understand what is happening around us; If we can think with a superior, caring mentality, a more enlightened and correct way of thinking will emerge. While defining intelligence, problem solving skills are mentioned. This is possible with education. Just as there is no understanding, there is hate, if there is no education, there is fear.

Ignorance may be easier, but it often comes out of fear. Reduce your fears and trigger your courage.

This is an amazing power of energy if you have the determination to move forward quickly. And when you focus on the right thing, your chances of success are very high. I have always liked this statement of Alexander Graham Bell: “Concentrate all your thoughts upon the work at hand. The sun’s rays do not burn until brought to a focus.”. If you can control your energy then you will have a good opportunity to create and control your own level of wealth.

Problem solving will also become a lot easier if you think they are a challenge. Problems are part of life. It is inevitable that a positive approach to problems will give you more energy. Trust is a big step on the road to courage, and fear will evaporate when confronted with confidence.

At the beginning of the post I said that a problem can create an opportunity. If you start seeing your problems from such a perspective, I can also assure you that you will be on the way to solving them.

Like everyone else, I know that problems can be complex and sometimes seem like never ending. However, I would like to encourage you to see them as an opportunity to challenge you to great success. Just remember that reaching nothingness is easy… But who wants to reach nothingness? You can achieve great things with your financial intelligence.

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You Need To Save Money

“The sun that shines today was shining on the day your father was born, and will continue to shine as your last grandchild moves into the darkness of the other world.”

George S. Clason

Throughout history, people have been able to get rich by using various opportunities. Although these opportunities come across all of us, most of us don’t realize them. But there is one thing we can all be aware of. Anyone can achieve this: Saving. It is one of the golden rules of getting rich. By making savings, we keep some of our earnings with us. This leads us to wealth.

We pay for all the goods and services we receive. If we save a tenth of our earnings instead of constantly paying others, we will have a year’s earnings ten years later.

We should know that savings cannot be made from the remaining money. We must set aside the amount we will save before we start spending our income. This amount is actually the payment we make to ourselves.

But only saving money is not enough. Also, every single dollar we save must make money for us. Getting rich is only possible if savings continue to grow on their own. Thus, we can achieve the abundance we want. No matter how little we earn, the amount we save should not be less than one tenth. We can save even more. But we have to be careful not being too hard on ourselves.

So how does our accumulated money increase on its own?

We must either learn to take advantage of the opportunities that come to us or consult with informed and experienced people in investment. If we consult someone, we should choose these people well. If we trust the wrong people, we may have to pay this mistake with our savings.

We should consult wise people. We must seek advice from the experts. A small safe investment is always preferable to risk. High interest rates sound nice, but they are dangerous. We must be careful.

This whole process teaches us first to live with less than we earn, then make the right investments and run our savings.

I urge you to dedicate some of your earnings to yourself. Think about this. Even think constantly. So, you get yourself used to this idea. The second step you will take will be to decide the amount you will regularly set aside. Make sure that this amount is not less than a tenth of your income.

Your savings will gradually make you feel rich. As your savings grow, your motivation will increase and you will be more eager to increase your money.

You have to think about your future. Remember that one day you will grow old too. You must ensure your old age income.

And be careful not to force yourself too hard to save. If you can only save a tenth of what you earn, be satisfied with that. Do not be stingy to your present self for your future self.

Life is really beautiful. Enjoy it.

Keep reading: THE FIRST RULE OF GETTING RICH

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