ÓÑÇéÌáʾ£ºÈç¹û±¾ÍøÒ³´ò¿ªÌ«Âý»òÏÔʾ²»ÍêÕû£¬Çë³¢ÊÔÊó±êÓÒ¼ü¡°Ë¢Ð¡±±¾ÍøÒ³£¡
°Ë¶þµç×ÓÊé ·µ»Ø±¾ÊéĿ¼ ¼ÓÈëÊéÇ© ÎÒµÄÊé¼Ü ÎÒµÄÊéÇ© TXTÈ«±¾ÏÂÔØ ¡ºÊղص½ÎÒµÄä¯ÀÀÆ÷¡»

¸»°Ö°ÖÇî°Ö°Ö-µÚ24²¿·Ö

¿ì½Ý²Ù×÷: °´¼üÅÌÉÏ·½Ïò¼ü ¡û »ò ¡ú ¿É¿ìËÙÉÏÏ·­Ò³ °´¼üÅÌÉ쵀 Enter ¼ü¿É»Øµ½±¾ÊéĿ¼ҳ °´¼üÅÌÉÏ·½Ïò¼ü ¡ü ¿É»Øµ½±¾Ò³¶¥²¿! Èç¹û±¾ÊéûÓÐÔĶÁÍ꣬ÏëÏ´μÌÐø½Ó×ÅÔĶÁ£¬¿ÉʹÓÃÉÏ·½ "Êղص½ÎÒµÄä¯ÀÀÆ÷" ¹¦ÄÜ ºÍ "¼ÓÈëÊéÇ©" ¹¦ÄÜ£¡


But¡¡there¡¡is¡¡one¡¡distinction¡¡that¡¡I¡¡would¡¡like¡¡to¡¡point¡¡out¡£¡¡I've¡¡noticed¡¡that¡¡my¡¡friends¡¡with¡¡money¡¡talk¡¡about¡¡money¡£¡¡And¡¡I¡¡do¡¡not¡¡mean¡¡brag¡£¡¡They're¡¡interested¡¡in¡¡the¡¡subject¡£¡¡¡¡So¡¡I¡¡learn¡¡from¡¡them£»¡¡and¡¡they¡¡learn¡¡from¡¡me¡£¡¡My¡¡friends£»¡¡whom¡¡I¡¡know¡¡are¡¡in¡¡dire¡¡straits¡¡financially£»¡¡do¡¡not¡¡like¡¡talking¡¡about¡¡money£»¡¡business¡¡or¡¡investing¡£¡¡They¡¡often¡¡think¡¡it¡¡rude¡¡or¡¡unintellectual¡£¡¡So¡¡I¡¡also¡¡learn¡¡from¡¡my¡¡friends¡¡who¡¡struggle¡¡financially¡£¡¡I¡¡find¡¡out¡¡what¡¡not¡¡to¡¡do¡£
I¡¡have¡¡several¡¡friends¡¡who¡¡have¡¡generated¡¡over¡¡a¡¡billion¡¡dollars¡¡in¡¡their¡¡short¡¡lifetimes¡£¡¡The¡¡three¡¡of¡¡them¡¡report¡¡the¡¡same¡¡phenomenon£º¡¡Their¡¡friends¡¡who¡¡have¡¡no¡¡money¡¡have¡¡never¡¡e¡¡to¡¡them¡¡to¡¡ask¡¡them¡¡how¡¡they¡¡did¡¡it¡£¡¡But¡¡they¡¡do¡¡e¡¡asking¡¡for¡¡one¡¡of¡¡two¡¡things£»¡¡or¡¡both£º¡¡1¡£¡¡a¡¡loan£»¡¡or¡¡2¡£¡¡a¡¡job¡£

A¡¡WARNING£º¡¡Don't¡¡listen¡¡to¡¡poor¡¡or¡¡frightened¡¡people¡£¡¡I¡¡have¡¡such¡¡friends£»¡¡and¡¡I¡¡love¡¡them¡¡dearly£»¡¡but¡¡they¡¡are¡¡the¡¡¡¨Chicken¡¡Littles¡¨¡¡of¡¡life¡£¡¡¡¡When¡¡it¡¡es¡¡to¡¡money£»¡¡especially¡¡investments£»¡¡¡¨The¡¡sky¡¡is¡¡always¡¡falling¡£¡¨¡¡They¡¡can¡¡always¡¡tell¡¡you¡¡why¡¡something¡¡won't¡¡work¡£¡¡The¡¡problem¡¡is£»¡¡people¡¡listen¡¡to¡¡them£»¡¡but¡¡people¡¡who¡¡blindly¡¡accept¡¡doom¡­and¡­gloom¡¡information¡¡are¡¡also¡¡¡¨Chicken¡¡Littles¡£¡¨¡¡As¡¡that¡¡old¡¡saying¡¡goes£»¡¡¡¨Chickens¡¡of¡¡a¡¡feather¡¡agree¡¡together¡£¡¨
If¡¡you¡¡watch¡¡CNBC£»¡¡which¡¡is¡¡a¡¡goldmine¡¡of¡¡investment¡¡information£»¡¡they¡¡often¡¡have¡¡a¡¡panel¡¡of¡¡so¡­called¡¡¡¨experts¡£¡¨¡¡One¡¡expert¡¡will¡¡say¡¡the¡¡market¡¡is¡¡going¡¡to¡¡crash£»¡¡and¡¡the¡¡other¡¡will¡¡say¡¡it's¡¡going¡¡to¡¡boom¡£¡¡If¡¡you're¡¡smart£»¡¡you¡¡listen¡¡to¡¡both¡£¡¡Keep¡¡your¡¡mind¡¡open¡¡because¡¡both¡¡have¡¡valid¡¡points¡£¡¡Unfortunately£»¡¡most¡¡poor¡¡people¡¡listen¡¡to¡¡¡¨Chicken¡¡Little¡£¡¨
I¡¡have¡¡had¡¡more¡¡close¡¡friends¡¡try¡¡to¡¡talk¡¡me¡¡out¡¡of¡¡a¡¡deal¡¡or¡¡an¡¡investment¡£¡¡A¡¡few¡¡years¡¡ago£»¡¡a¡¡friend¡¡told¡¡me¡¡he¡¡was¡¡excited¡¡because¡¡he¡¡found¡¡a¡¡6¡¡percent¡¡certificate¡¡of¡¡deposit¡£¡¡I¡¡told¡¡him¡¡I¡¡earn¡¡16¡¡percent¡¡from¡¡the¡¡state¡¡government¡£¡¡The¡¡next¡¡day¡¡he¡¡sent¡¡me¡¡an¡¡article¡¡about¡¡why¡¡my¡¡investment¡¡was¡¡dangerous¡£¡¡I¡¡have¡¡received¡¡16¡¡percent¡¡for¡¡years¡¡now£»¡¡and¡¡he¡¡still¡¡receives¡¡6¡¡percent¡£
I¡¡would¡¡say¡¡that¡¡one¡¡of¡¡the¡¡hardest¡¡things¡¡about¡¡wealth¡¡building¡¡is¡¡to¡¡be¡¡true¡¡to¡¡yourself¡¡and¡¡be¡¡willing¡¡to¡¡not¡¡go¡¡along¡¡with¡¡the¡¡crowd¡£¡¡For¡¡in¡¡the¡¡market£»¡¡it¡¡is¡¡usually¡¡the¡¡crowd¡¡that¡¡shows¡¡up¡¡late¡¡and¡¡is¡¡slaughtered¡£¡¡If¡¡a¡¡great¡¡deal¡¡is¡¡on¡¡the¡¡front¡¡page£»¡¡it's¡¡too¡¡late¡¡in¡¡most¡¡instances¡£¡¡¡¡Look¡¡for¡¡a¡¡new¡¡deal¡£¡¡As¡¡we¡¡used¡¡to¡¡say¡¡as¡¡surfers£º¡¡¡¨There¡¡is¡¡always¡¡another¡¡wave¡£¡¨¡¡People¡¡who¡¡hurry¡¡and¡¡catch¡¡a¡¡wave¡¡late¡¡usually¡¡are¡¡the¡¡ones¡¡who¡¡wipe¡¡out¡£
Smart¡¡investors¡¡don't¡¡time¡¡markets¡£¡¡If¡¡they¡¡miss¡¡a¡¡wave£»¡¡they¡¡search
¡¡
for¡¡the¡¡next¡¡one¡¡and¡¡get¡¡themselves¡¡in¡¡position¡£¡¡Why¡¡this¡¡is¡¡hard¡¡for¡¡most¡¡investors¡¡is¡¡because¡¡buying¡¡what¡¡is¡¡not¡¡popular¡¡is¡¡frightening¡¡to¡¡them¡£¡¡Timid¡¡investors¡¡are¡¡like¡¡sheep¡¡going¡¡along¡¡with¡¡the¡¡crowd¡£¡¡Or¡¡their¡¡greed¡¡gets¡¡them¡¡in¡¡when¡¡wise¡¡investors¡¡have¡¡already¡¡taken¡¡their¡¡profits¡¡and¡¡moved¡¡on¡£¡¡Wise¡¡investors¡¡buy¡¡an¡¡investment¡¡when¡¡it's¡¡not¡¡popular¡£¡¡They¡¡know¡¡their¡¡profits¡¡are¡¡made¡¡when¡¡they¡¡buy£»¡¡not¡¡when¡¡they¡¡sell¡£¡¡They¡¡wait¡¡patiently¡£¡¡As¡¡I¡¡said£»¡¡they¡¡do¡¡not¡¡time¡¡the¡¡market¡£¡¡Just¡¡like¡¡a¡¡surfer£»¡¡they¡¡get¡¡in¡¡position¡¡for¡¡the¡¡next¡¡big¡¡swell¡£
It's¡¡all¡¡¡¨insider¡¡trading¡£¡¨¡¡There¡¡are¡¡forms¡¡of¡¡insider¡¡trading¡¡that¡¡are¡¡illegal£»¡¡and¡¡there¡¡are¡¡forms¡¡of¡¡insider¡¡trading¡¡that¡¡are¡¡legal¡£¡¡But¡¡either¡¡way£»¡¡it's¡¡insider¡¡trading¡£¡¡The¡¡only¡¡distinction¡¡is¡¡how¡¡far¡¡away¡¡from¡¡the¡¡inside¡¡are¡¡you£¿¡¡The¡¡reason¡¡you¡¡want¡¡to¡¡have¡¡rich¡¡friends¡¡who¡¡are¡¡close¡¡to¡¡the¡¡inside¡¡is¡¡because¡¡that¡¡is¡¡where¡¡the¡¡money¡¡is¡¡made¡£¡¡It's¡¡made¡¡on¡¡information¡£¡¡You¡¡want¡¡to¡¡hear¡¡about¡¡the¡¡next¡¡boom£»¡¡get¡¡in¡¡and¡¡get¡¡out¡¡before¡¡the¡¡next¡¡bust¡£¡¡I'm¡¡not¡¡saying¡¡do¡¡it¡¡illegally£»¡¡but¡¡the¡¡sooner¡¡you¡¡know£»¡¡the¡¡better¡¡your¡¡chances¡¡are¡¡for¡¡profits¡¡with¡¡minimal¡¡risk¡£¡¡That¡¡is¡¡what¡¡friends¡¡are¡¡for¡£¡¡And¡¡that¡¡is¡¡financial¡¡intelligence¡£

4¡£¡¡MASTER¡¡A¡¡FORMULA¡¡AND¡¡THEN¡¡LEARN¡¡A¡¡NEW¡¡ONE£º¡¡The¡¡power¡¡of¡¡learning¡¡quickly¡£¡¡In¡¡order¡¡to¡¡make¡¡bread£»¡¡every¡¡baker¡¡follows¡¡a¡¡recipe£»¡¡even¡¡if¡¡it's¡¡only¡¡held¡¡in¡¡their¡¡head¡£¡¡The¡¡same¡¡is¡¡true¡¡for¡¡making¡¡money¡£¡¡That's¡¡why¡¡money¡¡is¡¡often¡¡called¡¡¡¨dough¡£¡¨
Most¡¡of¡¡us¡¡have¡¡heard¡¡the¡¡saying¡¡¡¨You¡¡are¡¡what¡¡you¡¡eat¡£¡¨¡¡I¡¡have¡¡a¡¡different¡¡slant¡¡on¡¡the¡¡same¡¡saying¡£¡¡I¡¡say£»¡¡¡¨You¡¡bee¡¡what¡¡you¡¡study¡£¡¨¡¡In¡¡other¡¡words£»¡¡be¡¡careful¡¡what¡¡you¡¡study¡¡and¡¡learn£»¡¡because¡¡your¡¡mind¡¡is¡¡so¡¡powerful¡¡that¡¡you¡¡bee¡¡what¡¡you¡¡put¡¡in¡¡your¡¡head¡£¡¡For¡¡example£»¡¡if¡¡you¡¡study¡¡cooking£»¡¡you¡¡then¡¡tend¡¡to¡¡cook¡£¡¡You¡¡bee¡¡a¡¡cook¡£¡¡If¡¡you¡¡don't¡¡want¡¡to¡¡be¡¡a¡¡cook¡¡anymore£»¡¡then¡¡you¡¡need¡¡to¡¡study¡¡something¡¡else¡£¡¡¡¡Let's¡¡say£»¡¡a¡¡schoolteacher¡£¡¡After¡¡studying¡¡teaching£»¡¡you¡¡often¡¡bee¡¡a¡¡teacher¡£¡¡And¡¡so¡¡on¡£¡¡Choose¡¡what¡¡you¡¡study¡¡carefully¡£
When¡¡it¡¡es¡¡to¡¡money£»¡¡the¡¡masses¡¡generally¡¡have¡¡one¡¡basic¡¡formula¡¡they¡¡learned¡¡in¡¡school¡£¡¡And¡¡that¡¡is£»¡¡work¡¡for¡¡money¡£¡¡The¡¡formula¡¡I¡¡see¡¡that¡¡is¡¡predominant¡¡in¡¡the¡¡world¡¡is¡¡that¡¡every¡¡day¡¡millions¡¡of¡¡people¡¡get¡¡up¡¡and¡¡go¡¡to¡¡work£»¡¡earn¡¡money£»¡¡pay¡¡bills£»¡¡balance¡¡checkbooks£»¡¡buy¡¡some¡¡mutual¡¡funds¡¡and¡¡go¡¡back¡¡to¡¡work¡£¡¡That¡¡is¡¡the¡¡basic¡¡formula£»¡¡or¡¡recipe¡£
If¡¡you're¡¡tired¡¡of¡¡what¡¡you're¡¡doing£»¡¡or¡¡you're¡¡not¡¡making¡¡enough£»¡¡it's¡¡simply¡¡a¡¡case¡¡of¡¡changing¡¡the¡¡formula¡¡via¡¡which¡¡you¡¡make¡¡money¡£
Years¡¡ago£»¡¡when¡¡I¡¡was¡¡26£»1¡¡took¡¡a¡¡weekend¡¡class¡¡called¡¡¡¨How¡¡to¡¡Buy¡¡Real¡¡Estate¡¡Foreclosures¡£¡¨¡¡I¡¡learned¡¡a¡¡formula¡£¡¡The¡¡next¡¡trick¡¡was¡¡to¡¡have¡¡the¡¡discipline¡¡to¡¡actually¡¡put¡¡into¡¡action¡¡what¡¡I¡¡had¡¡learned¡£¡¡That¡¡is¡¡where¡¡most¡¡people¡¡stop¡£¡¡For¡¡three¡¡years£»¡¡while¡¡working¡¡for¡¡Xerox£»¡¡I¡¡spent¡¡my¡¡spare¡¡time¡¡learning¡¡to¡¡master¡¡the¡¡art¡¡of¡¡buying¡¡foreclosures¡£¡¡I've¡¡made¡¡several¡¡million¡¡dollars¡¡using¡¡that¡¡formula£»¡¡but¡¡today£»¡¡it's¡¡too¡¡slow¡¡and¡¡too¡¡many¡¡other¡¡people¡¡are¡¡doing¡¡it¡£
So¡¡after¡¡I¡¡mastered¡¡that¡¡formula£»¡¡I¡¡went¡¡in¡¡search¡¡of¡¡other¡¡formulas¡£¡¡For¡¡many¡¡of¡¡the¡¡classes£»¡¡I¡¡did¡¡not¡¡use¡¡the¡¡information¡¡I¡¡learned¡¡directly£»¡¡'i£ü¡¡but¡¡I¡¡always¡¡learned¡¡something¡¡new¡£
I¡¡have¡¡attended¡¡classes¡¡designed¡¡for¡¡only¡¡derivative¡¡traders£»¡¡also¡¡a¡¡class¡¡for¡¡modity¡¡option¡¡traders¡¡and¡¡a¡¡class¡¡for¡¡Chaologists¡£¡¡I¡¡was¡¡way¡¡out¡¡of¡¡my¡¡league£»¡¡being¡¡in¡¡a¡¡room¡¡full¡¡of¡¡people¡¡with¡¡doctorates¡¡in¡¡nuclear¡¡physics¡¡and¡¡space¡¡science¡£¡¡Yet£»¡¡I¡¡learned¡¡a¡¡lot¡¡that¡¡made¡¡my¡¡stock¡¡and¡¡real¡¡estate¡¡investing¡¡more¡¡meaningful¡¡and¡¡lucrative¡£¡¡Most¡¡junior¡¡colleges¡¡and¡¡munity¡¡colleges¡¡have¡¡classes¡¡on¡¡financial¡¡planning¡¡and¡¡buying¡¡of¡¡traditional¡¡investments¡£¡¡They¡¡are¡¡great¡¡places¡¡to¡¡start¡£
So¡¡I¡¡always¡¡search¡¡for¡¡a¡¡faster¡¡formula¡£¡¡That¡¡is¡¡why£»¡¡on¡¡a¡¡fairly¡¡regular¡¡basis£»¡¡I¡¡make¡¡more¡¡in¡¡a¡¡day¡¡than¡¡many¡¡people¡¡will¡¡make¡¡in¡¡their¡¡lifetime¡£
Another¡¡side¡¡note¡£¡¡In¡¡today's¡¡fast¡­changing¡¡world£»¡¡it's¡¡not¡¡so¡¡much¡¡what¡¡you¡¡know¡¡anymore¡¡that¡¡counts£»¡¡because¡¡often¡¡what¡¡you¡¡know¡¡is¡¡old¡£¡¡¡¡It¡¡is¡¡how¡¡fast¡¡you¡¡learn¡£¡¡That¡¡skill¡¡is¡¡priceless¡£¡¡¡¡It's¡¡priceless¡¡in¡¡finding¡¡faster¡¡formulas¡­recipes£»¡¡if¡¡you¡¡will£»¡¡for¡¡making¡¡dough¡£¡¡Working¡¡hard¡¡for¡¡money¡¡is¡¡an¡¡old¡¡formula¡¡born¡¡in¡¡the¡¡day¡¡of¡¡cave¡¡men¡£

5¡£¡¡PAY¡¡YOURSELF¡¡FIRST£º¡¡The¡¡power¡¡of¡¡self¡­discipline¡£¡¡If¡¡you¡¡cannot¡¡get¡¡control¡¡of¡¡yourself£»¡¡do¡¡not¡¡try¡¡to¡¡get¡¡rich¡£¡¡You¡¡might¡¡first¡¡want¡¡to¡¡join¡¡the¡¡Marine¡¡Corps¡¡or¡¡some¡¡religious¡¡order¡¡so¡¡you¡¡can¡¡get¡¡control¡¡of¡¡yourself¡£¡¡It¡¡makes¡¡no¡¡sense¡¡to¡¡invest£»¡¡make¡¡money¡¡and¡¡blow¡¡it¡£¡¡It¡¡is¡¡the¡¡lack¡¡of¡¡self¡­discipline¡¡that¡¡causes¡¡most¡¡lottery¡¡winners¡¡to¡¡go¡¡broke¡¡soon¡¡after¡¡winning¡¡millions¡£¡¡¡¡It¡¡is¡¡the¡¡lack¡¡of¡¡self¡­discipline¡¡that¡¡causes¡¡people¡¡who¡¡get¡¡a¡¡raise¡¡to¡¡immediately¡¡go¡¡out¡¡and¡¡buy¡¡a¡¡new¡¡car¡¡or¡¡take¡¡a¡¡cruise¡£
It¡¡is¡¡difficult¡¡to¡¡say¡¡which¡¡of¡¡the¡¡ten¡¡steps¡¡is¡¡the¡¡most¡¡important¡£¡¡¡¡But¡¡of¡¡all¡¡the¡¡steps£»¡¡this¡¡step¡¡is¡¡probably¡¡the¡¡most¡¡difficult¡¡to¡¡master¡¡if¡¡it¡¡is¡¡not¡¡already¡¡a¡¡part¡¡of¡¡your¡¡makeup¡£¡¡I¡¡would¡¡venture¡¡to¡¡say¡¡that¡¡it¡¡is¡¡the¡¡lack¡¡of¡¡personal¡¡self¡­discipline¡¡that¡¡is¡¡the¡¡No¡£¡¡1¡¡delineating¡¡factor¡¡between¡¡the¡¡rich£»¡¡the¡¡poor¡¡and¡¡the¡¡middle¡¡class¡£
Simply¡¡put£»¡¡people¡¡who¡¡have¡¡low¡¡self¡­esteem¡¡and¡¡low¡¡tolerance¡¡for¡¡financial¡¡pressure¡¡can¡¡never£»¡¡and¡¡I¡¡mean¡¡never£»¡¡be¡¡rich¡£¡¡As¡¡I¡¡have¡¡said£»¡¡a¡¡lesson¡¡learned¡¡from¡¡my¡¡rich¡¡dad¡¡was¡¡that¡¡¡¨the¡¡world¡¡will¡¡push¡¡you¡¡around¡£¡¨¡¡The¡¡world¡¡pushes¡¡people¡¡around¡¡not¡¡because¡¡other¡¡people¡¡are¡¡bullies£»¡¡but¡¡because¡¡the¡¡individual¡¡lacks¡¡internal¡¡control¡¡and¡¡discipline¡£¡¡People¡¡who¡¡lack¡¡internal¡¡fortitude¡¡often¡¡bee¡¡victims¡¡of¡¡those¡¡who¡¡have¡¡self¡­discipline¡£
In¡¡the¡¡entrepreneur¡¡classes¡¡I¡¡teach£»¡¡I¡¡constantly¡¡remind¡¡people¡¡to¡¡not¡¡focus¡¡on¡¡their¡¡product£»¡¡service¡¡or¡¡widget£»¡¡but¡¡to¡¡focus¡¡on¡¡developing¡¡management¡¡skills¡£¡¡The¡¡three¡¡most¡¡important¡¡management¡¡skills¡¡necessary¡¡to¡¡start¡¡your¡¡own¡¡business¡¡are£º

1¡£ Management¡¡of¡¡cash¡¡flow¡£
2¡£ Management¡¡of¡¡people¡£
3¡£¡¡Management¡¡of¡¡personal¡¡time¡£

I¡¡would¡¡say£»¡¡the¡¡skills¡¡to¡¡manage¡¡these¡¡three¡¡apply¡¡to¡¡anything£»¡¡not¡¡just¡¡entrepreneurs¡£¡¡The¡¡three¡¡matter¡¡in¡¡the¡¡way¡¡you¡¡live¡¡your¡¡life¡¡as¡¡an¡¡individual£»¡¡or¡¡as¡¡part¡¡of¡¡a¡¡family£»¡¡a¡¡business£»¡¡a¡¡charitable¡¡organization£»¡¡a¡¡city¡¡or¡¡a¡¡nation¡£
Each¡¡of¡¡these¡¡skills¡¡is¡¡enhanced¡¡by¡¡the¡¡mastery¡¡of¡¡self¡¡discipline¡£¡¡I¡¡do¡¡not¡¡take¡¡the¡¡saying¡¡¡¨pay¡¡yourself¡¡first¡¨¡¡lightly¡£
The¡¡Richest¡¡Man¡¡in¡¡Babylon£»¡¡by¡¡George¡¡Classen£»¡¡is¡¡where¡¡the¡¡statement¡¡¡¨pay¡¡yourself¡¡first¡¨¡¡es¡¡from¡£¡¡Millions¡¡of¡¡copies¡¡have¡¡been¡¡sold¡£¡¡¡¡But¡¡while¡¡millions¡¡of¡¡people¡¡freely¡¡repeat¡¡that¡¡powerful¡¡statement£»¡¡few¡¡follow¡¡the¡¡advice¡£¡¡As¡¡I¡¡said£»¡¡financial¡¡literacy¡¡allows¡¡one¡¡to¡¡read¡¡numbers£»¡¡and¡¡numbers¡¡tell¡¡the¡¡story¡£¡¡¡¡By¡¡looking¡¡at¡¡a¡¡person's¡¡ine¡¡statement¡¡and¡¡balance¡¡sheet£»¡¡I¡¡can¡¡readily¡¡see¡¡if¡¡people¡¡who¡¡spout¡¡the¡¡words¡¡¡¨pay¡¡yourself¡¡first¡¨¡¡actually¡¡practice¡¡what¡¡they¡¡preach¡£
A¡¡picture¡¡is¡¡worth¡¡a¡¡thousand¡¡words¡£¡¡¡¡So¡¡let's¡¡again¡¡pare¡¡the¡¡financial¡¡statements¡¡of¡¡people¡¡who¡¡pay¡¡themselves¡¡first¡¡against¡¡someone¡¡who¡¡doesn't¡£
¡¡
People¡¡who¡¡pay¡¡themselves¡¡first

¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡£«£«
¡¡Job¡­¡­¡­¡·£üIne ¡¡¡¡¡¡¡¡¡¡£ü
¡¡¡¡¡¡^¡¡¡¡ £ü¡­¡¡¡¡¡¡¡¡¡¡£ü
¡¡¡¡¡¡£ü¡¡ £ü¡¡Expense ¡¡¡¡¡¡¡¡¡¡£ü¡¡¡¡¡¡¡¡¡¡£ü
¡¡¡¡¡¡ ¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡£«£«¡¡¡¡¡¡¡¡£ü
¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡£«¡­¡­¡¶¡¡¡¡¡¡
¡­£ü£«
£ü¡¡¡¡¡¡¡¡Assets¡¡¡¡¡¡¡¡£ü¡¡¡¡¡¡¡¡¡¡Liabilities¡¡¡¡£ü
£ü¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡£ü¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡ ¡¡¡¡¡¡¡¡£ü
£ü_________£ü____________£ü

Someone¡¡who¡¡pays¡¡everyone¡¡else¡¡first¡­¡¡Often¡¡there¡¡is¡¡nothing¡¡left

¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡£«£«
¡¡Job¡­¡­¡­¡·£üIne ¡¡¡¡¡¡¡¡¡¡£ü
¡¡¡¡¡¡¡¡¡¡¡¡ £ü¡­¡¡¡¡¡¡¡¡¡¡
¡¡¡¡¡¡¡¡ £ü¡¡Expense ¡¡¡¡¡¡¡¡¡¡£ü¡¡¡·¡¡Nothing¡¡left£¡
¡¡¡¡¡¡ ¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡£«£«¡¡¡¡¡¡¡¡
¡­¡­¡­£«
£ü¡¡¡¡¡¡¡¡Assets¡¡¡¡¡¡¡¡£ü¡¡¡¡¡¡¡¡¡¡Liabilities¡¡¡¡£ü
£ü¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡£ü¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡¡ ¡¡¡¡¡¡¡¡£ü
£ü_________£ü____________£ü

Study¡¡the¡¡diagrams¡¡and¡¡notice¡¡if¡¡you¡¡can¡¡pick¡¡up¡¡some¡¡distinctions¡£¡¡¡¡Again£»¡¡it¡¡has¡¡to¡¡do¡¡with¡¡understanding¡¡cash¡¡flow£»¡¡which¡¡tells¡¡the¡¡story¡£¡¡Most¡¡people¡¡look¡¡at¡¡the¡¡numbers¡¡and¡¡miss¡¡the¡¡story¡£¡¡If¡¡you¡¡can¡¡truly¡¡begin¡¡to¡¡understand¡¡the¡¡power¡¡of¡¡cash¡¡flow£»¡¡you¡¡will¡¡soon¡¡realize¡¡what¡¡is¡¡wrong¡¡with¡¡the¡¡picture¡¡on¡¡the¡¡next¡¡page£»¡¡or¡¡why¡¡90¡¡percent¡¡of¡¡most¡¡people¡¡work¡¡hard¡¡all¡¡their¡¡lives¡¡and¡¡need¡¡government¡¡support¡¡like¡¡Social¡¡Security¡¡when¡¡they¡¡are¡¡no¡¡longer¡¡able¡¡to¡¡work¡£
Do¡¡you¡¡see¡¡it£¿¡¡The¡¡diagram¡¡above¡¡reflects¡¡the¡¡actions¡¡of¡¡an¡¡individual¡¡who¡¡chooses¡¡to¡¡pay¡¡himself¡¡first¡£¡¡Each¡¡month£»¡¡they¡¡allocate¡¡money¡¡to¡¡their¡¡asset¡¡column¡¡before¡¡they¡¡pay¡¡their¡¡monthly¡¡expenses¡£¡¡Although¡¡millions¡¡of¡¡people¡¡have¡¡read¡¡Classen's¡¡book¡¡and¡¡understand¡¡the¡¡words¡¡¡¨pay¡¡yourself¡¡first£»¡¨¡¡in¡¡reality¡¡they¡¡pay¡¡themselves¡¡last¡£
Now¡¡I¡¡can¡¡hear¡¡the¡¡howls¡¡from¡¡those¡¡of¡¡you¡¡who¡¡sincerely¡¡believe¡¡in¡¡paying¡¡your¡¡bills¡¡first¡£¡¡And¡¡I¡¡can¡¡hear¡¡all¡¡the¡¡¡¨responsible¡¨¡¡people¡¡who¡¡pay¡¡their¡¡bills¡¡on¡¡time¡£¡¡I¡¡am¡¡not¡¡saying¡¡be¡¡irresponsible¡¡and¡¡not¡¡pay¡¡your¡¡bills¡£¡¡All¡¡I¡¡am¡¡saying¡¡is¡¡do¡¡what¡¡the¡¡book¡¡says£»¡¡which¡¡is¡¡¡¨pay¡¡yourself¡¡first¡£¡¨¡¡And¡¡the¡¡diagram¡¡above¡¡is¡¡the¡¡correct¡¡accounting¡¡picture¡¡of¡¡that¡¡action¡£¡¡Not¡¡the¡¡one¡¡that¡¡follows¡£
My¡¡wife¡¡and¡¡I¡¡have¡¡had¡¡many¡¡bookkeepers¡¡and¡¡accountants¡¡and¡¡bankers¡¡who¡¡have¡¡had¡¡a¡¡major¡¡problem¡¡with¡¡this¡¡way¡¡of¡¡looking¡¡at¡¡¡¨pay¡¡yourself¡¡first¡£¡¨¡¡The¡¡reason¡¡is¡¡that¡¡these¡¡financial¡¡professionals¡¡actually¡¡do¡¡what¡¡the¡¡masses¡¡do£»¡¡which¡¡is¡¡pay¡¡themselves¡¡last¡£¡¡They¡¡pay¡¡everyone¡¡else¡¡first¡£
There¡¡have¡¡been¡¡months¡¡in¡¡my¡¡life£»¡¡when¡¡for¡¡whatev
·µ»ØĿ¼ ÉÏÒ»Ò³ ÏÂÒ»Ò³ »Øµ½¶¥²¿ ÔÞ£¨0£© ²È£¨0£©
¿ì½Ý²Ù×÷: °´¼üÅÌÉÏ·½Ïò¼ü ¡û »ò ¡ú ¿É¿ìËÙÉÏÏ·­Ò³ °´¼üÅÌÉ쵀 Enter ¼ü¿É»Øµ½±¾ÊéĿ¼ҳ °´¼üÅÌÉÏ·½Ïò¼ü ¡ü ¿É»Øµ½±¾Ò³¶¥²¿!
ÎÂÜ°Ìáʾ£º ο´Ð¡ËµµÄͬʱ·¢±íÆÀÂÛ£¬Ëµ³ö×Ô¼ºµÄ¿´·¨ºÍÆäËüС»ï°éÃÇ·ÖÏíÒ²²»´íŶ£¡·¢±íÊéÆÀ»¹¿ÉÒÔ»ñµÃ»ý·ÖºÍ¾­Ñé½±Àø£¬ÈÏÕæдԭ´´ÊéÆÀ ±»²ÉÄÉΪ¾«ÆÀ¿ÉÒÔ»ñµÃ´óÁ¿½ð±Ò¡¢»ý·ÖºÍ¾­Ñé½±ÀøŶ£¡