Secrets of Self-Made Millionaires How You Can Create an Extraordinary Income He sells a Lizard Care ebook on his website and. The Secrets of Self Made Millionaires - site edition by Stephan Jonathan Din. Download it once and read it on your site device, PC, phones or tablets. Editorial Reviews. Review. "After Secrets Of Self-Made Millionaires, I have an exciting plan I'vealso increased the sales of my writing instruction e-books by over 75percent!" - Andrea Rains Waggener, Author of 'Healthy, Wealthy, & Wise' .

Secrets Of Self-made Millionaires Ebook

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Ebook The Secret of Self-Made Millionaires Free Download Adam Khoo is one of the 25 richest people under the age of 40 of Singapore, is a successful. download Secrets of Self-Made Millionaires by Adam Khoo (eBook) online at Lulu. Visit the Lulu Marketplace for product details, ratings, and reviews. Read "The Secrets of Self Made Millionaires" by Stephan Jonathan Din available from Rakuten Kobo. An In Depth Guide to How Anyone can become wealthy.

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Benjamin Graham, Jason Zweig, Timothy Ferriss. Michael Roddan.

Napoleon Hill, Arthur R. When you act with integrity, your customers, colleagues and staff will place their trust in you. They know that you mean what you say and that you will not let them down. They know that you will give them the best quality for their money and they know that you will not cheat them. How did he do it? Where did he get the money to get started? Initially he worked at a company called Karma. Instead of waiting to be retrenched, Goel took the proactive step Millionaire Habit 2 of undertaking a management downloadout of the Singapore unit.

In order to keep the business going, he persuaded his customers to pay him in advance so that he could use the money to download the products from his suppliers. The only reason his customers agreed was because Goel had built up his reputation as an honest and trustworthy man while dealing with them in the past. A few months later, he bumped into his old boss at Sim Lim Square. This is the power of building a reputation of trust and honesty.

That was not all. Goel also happened to meet up with an old friend and ex-customer in Sim Lim Square.

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As a result, many people have asked me what I look for in a business partner they know that anyone who works with me will make alot of money. So, always act with integrity and you will possess one of the greatest strengths of all. Millionaire Habit 7: When you merely want, wish or hope to achieve a goal, it will rarely ever happen. You see, when something becomes an absolute MUST to you, it gets you to operate from a totally different frame of mind.

When something is a MUST, it will become your number one priority and nothing will ever come in its way until that goal is accomplished. When something is a MUST, you will do whatever it takes to get it within limits of integrity of course! Even if it means stretching way beyond your comfort zone and investing time, energy or money, you will do whatever it takes.

This is because the path to achieving any goal and creating wealth is never easy. All the problems that you can possibly think of will come to test your faith and endurance and to stretch you out of your comfort zone.

You may encounter people discouraging you, friends leaving you and things not going as planned trust me, I have experienced all this and more.

Has this happened to you before? So, the only way you will ever achieve your goals of becoming rich is to make it a MUST for yourself. I remember that when I was in Secondary school, a group of close friends and I shared our dreams about becoming millionaires and business owners. The only difference was that for many of them, that dream was merely a dream.

For me, it was an absolute must! Have you ever had a list of goals to achieve or actions to take, but kept putting them off? Did you eventually get some of them done? Why is it that you eventually got some things done but not the rest?

I would bet that those things that you got done eventually became a must for you! It eventually crossed the deadline and you HAD to get it done. You see, we will never do anything in our life until it becomes an absolute must for us.

The trouble is that when something becomes a must, it is often too late. For example, I know a friend who set a goal to quit smoking. He knew that it was doing him harm and he really wanted to. Sure enough, he kept procrastinating year after year.

When something is a must, our brain gets us to tap our fullest potential to make it happen. It is merely a wish. However, it is always a must to survive The answer is by putting yourself on the line.

When you put yourself in situation where you give yourself no choice BUT to succeed, you very often will. If you study the life stories of millionaire history makers, many of them came to a point in their lives where they put themselves on the line and staked everything they had. It was this level of commitment that made it possible for him to overcome all the odds that stood in his way. Many people have the perception that Lucas was just a genius who was fortunate enough to dream up this naturally successful movie.

During production, anything that could have possibly gone wrong went wrong!

What made things worse was that Lucas suffered severe chest pains in the middle of all this and was warded for severe stress and exhaustion. Most directors would have given up and cut their losses, knowing that it was impossible to achieve it all in three days.

But to Lucas, it was a must Lucas hired a triple crew, divided the stage into three sets and directed three scenes concurrently. Three days later, Star Wars was delivered and the rest is history. As a teenager, Lucas set a goal of becoming a millionaire at the age of thirty. He was off by two years: Lucas made his millions by the age of twenty-eight. His belief and commitment paid off. There are other ways of putting yourself on the line. As for me, I personally put myself on the line by making public commitments.

Whenever I set a goal, I would announce to everyone my plans because I know that the moment I do so, there would be no turning back. I had to make it happen! Millionaire Habit 8: Most people have the impression that successful people never fail and that millionaires never lose money. This is a huge lie and distortion that prevents people from becoming rich. The truth is that everybody fails at one point or another.

In fact, millionaires fail more times than anybody else because they take so much more action. I have made countless stupid mistakes, lost a lot of money and have failed so often that I have lost count. So mark my words, you will fail many times before you ever succeed. This is the critical habit that makes the difference between the rich and the poor. There are three ways people respond to failure. Have you ever been guilty of doing this before?

Sure enough, this way of responding to failure will see many dreams fade away. The second group does not give up that easily. So they quickly get on their feet and try again. If their business fails, they go start another business. If they lose money investing in the stock market, they will go and try to download different stocks. Will they eventually succeed?

They keep making the same mistakes, doing the same thing again and again. Sure enough they keep getting the same disappointing results. So what happens after a while? They eventually get so frustrated and tired that they too will throw in the towel. Some may even begin to accept mediocrity and fear to dream of anything better. Do you know anyone who has been caught in this trap?

Have you ever done it yourself? Success is the result of good judgment. Good judgment is the result of experience. Experience is the result of bad judgment — Anthony Robbins Millionaires approach and perceive failure very differently.

Rather, they see themselves as getting a learning experience!

The 21 Success Secrets of Self-Made Millionaires (Summary)

To them, failure is not the end, but only a detour. They see it as feedback that they are not using the right strategy. They then take this feedback, learn from the experience and change their strategy! If changing their strategy still does not get them the result, they will once again get more feedback, change their strategy and take action again.

They keep doing this again and again until they get the results they want! By doing so, they turn their failures into success! Sim Wong Hoo, the founder of Creative Technologies did not succeed until numerous business failures.

After spending countless hours and hundreds of thousands of investment dollars on the product, it turned out to be a dismal failure. It was just too expensive and complicated for its time. What did he do? He went back and changed his strategy. And that one idea turned Creative Technologies into a billion dollar global company. You see, all you need is only ONE great idea that will make you your fortune.

It only comes after lots of bad ideas. Another great example that never fails to inspire me about turning crushing failure into resounding success is the story of Steve Jobs, the founder and current CEO of Apple Computers.

Steve co-founded Apple at the age of 21 in As Apple continued its phenomenal growth, it was decided that professional management had to be hired to run the huge organization.

To make things worse, Apple sued Steve for neglecting his duties. While those in the business world wrote him off, Steve who possessed the millionaire mindset, took it as a huge learning experience millionaire habit 8 and took the proactive action millionaire habit 2 of starting a new and better company called NeXT computers.

He believed that he could develop a range of hardware and software that would be even better than that at Apple. Did he succeed? In the meantime,Apple Computer was on the verge of bankruptcy in after suffering from internal mismanagement and lack of new product innovation. If not for Pixar, he would not have become a pioneer in digital animation and if not for NeXT software he developed, Apple would never have the Mac OS X operating system that has made Apple a huge success today.

Of course I respect money. Well there are many people who consciously desire to be rich and know that money is important. However, at a deeper level they may not realize that their subconscious mind either holds many limiting beliefs about money or associate lots of negative feelings towards money.

These negative associations cause them to repel money and prevent them from becoming rich without even realizing it. Do you feel that although you consciously desire to be rich, but something holds you back? Have you experienced working hard to achieve your goals. However the moment you start getting results and seeing your wealth increase, you tend to go into the pattern of sabotaging it?

Like the moment your bank account hits a certain amount, you start losing your motivation until the money dips below a certain level then you start working hard again? I know of some friends who say that the moment they get a certain amount of money, they will tend to spend it away or lose it.

Again, its either because you have a lot of negative associations towards money or many limiting beliefs are holding you back. I remember a time when I gave a seminar to a group of teenagers and I was teaching them about the power of spotting opportunities and taking action on them.

I waved the bill in my hand for a good 10 minutes asking if there were any takers, but none came up. Eventually, one boy hesitantly came up and took the money. The answers I got were: In other words, what prevented them from taking action on any opportunity were the limiting beliefs and associations they had formed about money.

The scary thing is that the same thing happens in life! Again, it is because of the beliefs that have been formed in their subconscious mind. As many of us grow up, we may unknowingly pick up many limiting beliefs and painful associations towards money from our family members, friends, teachers and relatives. As a result, their subconscious starts associating thoughts and desire for money as being bad or evil.

Have you been taught to believe this as well? Because many people who come from working class families see their parents working so hard for money, they subconsciously believe that working hard is the only way to make money.

This belief causes them to fail to realize that big money is from ideas and not just hard work. Warren Buffett made his billions by downloading companies at half of what they were really worth. Entrepreneurs make money by downloading something a lot cheaper than what it is worth, re-packaging it and sell it for ten times the price! As a result, your subconscious mind associates so much fear, hate and negative feelings towards money that it will stop you from ever becoming rich.

However, you have to understand that your friends, parents or teachers may have taught you all these things because they probably thought they were passing on good advice.

Their parents and teachers probably taught it to them as well, and that is why they have never become rich. Very often, they also choose to believe all these negative things about money because it helps them to justify their own lack of money. I know that consciously you respect and love money for what it can do, but I want you to set aside your pre-judgments and really think about the subconscious beliefs and feelings that you associate with money.

Every time he closes a few big deals he was a property agent and made a nice pile of cash, he would sabotage his success by spending it all away. The adults were perpetually miserable and constantly neglected their only child.

The moment he started identifying the problem and resolving it, his ability to hold onto and multiply his money began to change dramatically.

So, I want you to grab a pen and spend a full, uninterrupted ten minutes to do this exercise. Just write whatever comes into your mind. If you think too much or too long about it, you are going to come up with a lot of useless politically correct answers.

What you should be interested in are your hidden subconscious associations! The only way to get them out is to keep pushing yourself to write non-stop. Even when you feel like you are stuck and there is nothing left to write, squeeze something out, be it positive or negative. I bet you will be surprised with what you come up with.

So are you ready? Stop reading now and start writing! So, what have you uncovered from penning down all your thoughts? What beliefs or associations do you have about money? Are they positive or negative? Good or bad? What beliefs do you have about rich people? Do you respect them or resent them?

Do you admire them or loathe them? If you resent rich people and think that they are bad, then your unconscious mind will NEVER allow you to become rich.

Do you share any of them? They worship money Fact It is the people who lack money who worship it. Who works all day, year after year in a job which they hate, just for the money? Who is wishing they had more money?

Who is constantly worrying about money? It is those who are wealthy or those who have no money? I rest my case.

In fact, the rich rarely work because of money. They work because of passion and a sense of personal mission. Myth If I became wealthy, I will lose all my friends Fact If you lose some of your friends, it only means that you have found out who your false friends are. When you become wealthy, you will make new friends with a wealthy mindset.

Myth To have more money, I will be depriving others of it. There is not enough money for everyone to be rich Fact When you become rich, you actually create more wealth for other people.

Wealth multiplies into more wealth. You see, money is a measure of the exchange of value. When you make more money, it means you are creating more value and wealth in the world.

Because of his invention, so many more millionaires have been created as a result. Think about it, if Microsoft Windows, Word and Excel did not exist, would you have been able to create as much wealth as you have today?

Myth Having a lot of money will give me a lot of worries and problems Fact The majority of the problems people face in life relationships, health, career are the result of the LACK of money. The number one cause of murder, cheating, stealing, lying is poverty the lack of money. Debunking the Myths of Money The truth is that many of these beliefs and attitudes that some people hold onto with much conviction are nothing but inaccurate generalizations and excuses that keep them from living a truly a happy and wealthy life.

In order to truly align your mind to wealth creation, you must debunk these negative myths and really look at the facts It brings out the true person within you. However, if you are a kind, generous and loving person deep down inside, money will magnify your goodness. Myth Money will not download you happiness Fact True. However, not having money will not make you happier as well.

The truth is that everything is money. Without money, you cannot maximize other important values such as family, career, health, spirituality and relationships.

In fact, the wealthiest people in the world are extremely spiritual. Not having to worry about money anymore allows many of the rich to focus on the more important things in life. Instead, I want you to write down as many positive associations and new empowering beliefs as you can about money.

It is because all of us have been told the greatest lie of all, the lie that has been keeping us from becoming rich. Let me start off by asking you to do a simple exercise. I would like you to close your eyes and picture a millionaire in your mind. Picture the clothes the person is wearing, the car he drives, how he spends his money, how he spends his day and how he dines. Go ahead and do this NOW before you go onto the next paragraph. Well, what picture came into your mind? Why is this so?

It is precisely these beliefs and habits that actually keep us from becoming wealthy! The truth is that very few self-made millionaires live this way. In fact, the only ones who do live this indolent, self-indulgent lifestyle are the minority of millionaires who either inherited all their wealth or who made their money through sports or entertainment.

And all of them usually have one thing in common. Their wealth is only temporary. Look at Mike Tyson, Michael Jackson, Bobby Brown and a whole list of other celebrities who made hundreds of millions within their careers. They are either all broke or heavily in debt today. What he discovered was a shocking revelation that made his book an instant best-seller. It was discovered that many people who had high paying jobs, drove the latest luxury cars and wore the latest designer clothes and who appeared to be have millions to spend, were usually broke with a low personal net worth.

Eighty-percent of them were born poor or from middle class families. I must admit that when I was much younger, I too had the same distorted beliefs about how real millionaires lived.

When I was a kid, I used to admire and envy people who drove the latest Porsche Boxsters and who lived in Penthouses and lived lavish lifestyles. He said that they were one paycheck away from going broke.

I never really understood what he meant until much later on in my life. We now know that this is not at all true. The longer you can go on living your life without working another day, the richer you actually are.

Your passive income refers to income that you will continue to receive even after you stop working. Besides his full time job, he has no other sources of income. How is this so? You are going to learn how to achieve this return with minimal risk in the later chapters. So you can see how Susan can very comfortably go on forever without working another day in her life! Can you now see that your wealth i.

How Wealthy Are You Now? How much in liquid assets do you have? This refers to how much cash and cash equivalents you have to pay off your monthly expenses. These are assets that you can easily sell off within a month. What are your monthly expenses? How much do you spend a month on average including interest payments on loans? How much passive income do you have? This refers to sources of income that will continue if you were to stop working.

What is your level of wealth? How do you do this? First you must understand The rich manage their money very differently from the average Joe. They have a very different set of habits in the areas of saving, investing and cash spending. Assets are physical or intangible items that you own. Sometimes to download an asset like a house or a car, you have to take a loan from the bank. When we borrow money, we incur a liability. As you know, liabilities incur the extra expense of interest payments you must make.

A house which you download to live in, or a car which is downloadd for personal use will obviously not generate any form of income. In my illustration below, I use a slightly different approach. They tend to spend whatever they earn. They live for the moment without sparing much thought for the future. They save little or nothing with the excuse that they earn too little to save.

Even if they get a pay raise, they will spend the surplus just as quickly. Some continue to work in a job they loathe because they have to keep working to pay the bills. It is obvious that this habit of managing cash will never help you get rich. After deducting their monthly expenses from their incomes, they will save the difference. They use their hard earned savings to download a bigger house and a bigger car which all come with bigger loans, bigger monthly payments and bigger expenses.

They download the latest home entertainment systems on credit and max out their credit cards. For this reason, most middle class families appear to be wealthy, but have very low or even negative net worth. Although their houses and cars may be worth millions, they also owe millions, leaving very little equity.

If they lose their jobs or suffer a pay cut, they will end up with huge loans, large monthly expenses and deep in debt. How do they achieve a level of wealth where they do not have to work if they choose not to? They deduct this savings from the income they earn and spend the rest. They would rather put their money in carefully selected stocks, mutual funds and businesses than to splurge on the latest LCD Plasma Television.

This is the level that you must aim to attain within the next few years. So, the secrets of the rich can be summarized as follows Spend Less than You Earn. Take a deep breath and get ready to engage your mind. Some of these exercises may seem tedious and time-consuming. You may even have to dig up a lot of old bank statements, receipts and income tax returns but it is absolutely necessary that you push yourself and commit to completing every exercise here.

Taking Stock: Where Are You Now? In the last chapter, I got you to do a rough calculation on your current level of wealth. It tells you how much you own your assets , how much you owe your liabilities and how much is left over when you have deducted what you owe from what you own your net worth. Your net worth is the traditional measure of your wealth.

So right now, I want you to spend a couple of minutes to complete your personal balance sheet the table below. You can download a ready-made template from my resource website at www. Good, now you have a true picture of your current level of wealth.

A sobering thought. Are your assets a lot more than your liabilities or is the reverse true?

Your personal income statement will tell you how much you are earning income , how much you are spending expenses , and how much you have left over to save and invest over a particular period of time one month, a few months or one year.

Your income is divided into two categories: Most people have a single source of active income usually their salary and no passive income sources. Your expenses are categorized into personal include donations here , children, housing and transport.

Take your average monthly expenses this month and multiply it by 12 months to get an estimation of your total annual income. Finally, deduct your total expenses from your total income to get your annual savings.

The 21 Success Secrets of Self-Made Millionaires (Summary)

Again, if you have a computer, key the data into an excel spreadsheet. Again, you can also download this readymade template from www. Go ahead and do this exercise now. At the same time, you can begin to see where you are spending your money and how to control your expenses. Besides an annual statement, you must also create a monthly statement that you can update at the end of each month.

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A sample is attached for your reference. This monthly template is also included in the free download section from my website. There are basically four levels of wealth you must aim to attain. Level 1: You have achieved Financial Stability when: You have accumulated enough liquid assets to cover your current expenses for a minimum of six months.

Or worse, you or your family will not slide into debt. Once you have achieved this, you must then aim to achieve Level 2: In other words, when you reach this level, you can stop working and maintain a very basic lifestyle.

It also means that if you continue working, all your active income can be channeled towards your investments and this will further compound your assets and increase your income streams.

So, what are your most basic expenses? What necessities must you spend on to live a very simple lifestyle? Well, this is subjective but generally your basic expenses should include no more than the following: House mortgage and related expenses such as utilities and conservancy fees. Public Transportation expense.

Food for you and your family household groceries. All Interest payments for debts owed. All Insurance premiums including life, disability and home. Once accomplished, you must then aim to go for Level 3: I can tell you from personal experience that it is a great feeling to have Finally, you must aim to achieve Level 4: Financial Abundance So what is the ultimate level of wealth you can achieve?

Your desired lifestyle is the amount of monthly expenses it will take for you to live the life of your dreams. This is totally subjective depending on the lifestyle that you desire. With the right strategies and plans in place, you too will be able to achieve this ultimate level of wealth. You can do this really quickly by referring to your Income Statement earlier.

Calculate Your Basic Expenses Monthly 2. Committed Monthly Savings D F. With the investment knowledge you will acquire from Wealth Academy, you may want to download the much cheaper alternative of term insurance and invest the difference yourself to maximize long term returns.

In the coming chapters, you will learn how to create a whole range of cash generating assets. However, you do not always require lots of capital to generate passive income. The total passive income generated should cover your basic monthly expenses.

Fixed time deposits 5. You have achieved Financial Freedom when you have through the investment of time, money and ideas, accumulated a critical amount of Positive Cash Flow Assets that generate enough passive income to sustain your current lifestyle. Just refer to your completed income statement for this.

Once again, we will return to this section once you have completed the rest of the chapters in this book. You have achieved Financial Abundance when you have through the investment of time, money and ideas, accumulated a critical amount of Positive Cash Flow Assets that generate enough passive income to sustain your desired lifestyle. First, you must decide on your desired lifestyle. What is your dream home? Your dream car? Your dream lifestyle?

How much would all of this cost to maintain a month? Take a few minutes and estimate the monthly expenses of your desired lifestyle now. In short, you will learn how to massively increase your income When I talk about increasing income, most people think of only two options. Yes it is! And you can achieve this without quitting your job. By not just focusing on your single, primary source of income, but taking action to create for yourself additional streams of income.

The only way to double or triple your income is to create for yourself multiple streams of income. Like this presentation? Why not share! An annual anal Embed Size px. Start on. Show related SlideShares at end. WordPress Shortcode.

Published in: Full Name Comment goes here. Are you sure you want to Yes No. Be the first to like this. No Downloads. Views Total views.You must be very focused on how much each hour of your time is costing you!

The New American Millionaires: The longer you stayed, the more you were valued. The truth is that everything is money. Through their stories—and his own—Dr. Robert T. They keep doing this again and again until they get the results they want! Sure enough, this way of responding to failure will see many dreams fade away. Will their company give them a raise? The answer is simple.

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