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The Power to Charge Your Life with Money, Meaning, and Momentum

Neil Patel, Patrick Vlaskovits, & Jonas Koffler


Trust us, it wasn’t by luck or coincidence, though we believe in both.
Our Hustle book did what we had intended for it.
It grabbed you, pulled you in, and spoke to something inside of you.
Now it’s your turn.
There’s something left unfinished. Something big.
The sooner you get through this book, the sooner you can get started.

Hustle- The Power to Charge Your Life with Money, Meaning, and Momentum
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Book Details
 300 p
 File Size 
 1,350 KB
 File Type
 PDF format
 978-1-62336-717-6 e-book 
 2016 by Neil Patel, Patrick Vlaskovits,
 and Jonas Koffler

About the Authors
NEIL PATEL is the cofounder of Crazy Egg and Hello Bar. He helps companies
like NBC, GM, HP, and Viacom grow their revenue. The Wall Street Journal
calls him a top influencer on the Web, Forbes says he is one of the top 10 online
marketers, and Entrepreneur says he created one of the 100 most brilliant
companies in the world. Tweet him @NeilPatel or contact him by visiting
PATRICK VLASKOVITS is an entrepreneur and New York Times bestselling
author. His writing has been featured in the Harvard Business Review and the
Wall Street Journal, and he speaks at technology conferences nationally and
internationally, including SXSW, GROW conference, the Turing Festival, and
the Lean Startup conference. He is cofounder and CEO of Superpowered Inc.
Tweet him @Pv or contact him by visiting
JONAS KOFFLER is a creative media consultant, producer, and writer. He
advises internationally recognized thought leaders and creative artists, helps
organizations innovate, develops strategy and intellectual property for start-ups
and billion-dollar companies alike, and has contributed to multiple bestselling
books. Tweet him @JonasKoffler or contact him by visiting
And be sure to visit for:
• Free tools and online resources designed for our readers.
• News, interviews, events, and updates on the book.
• Innovation, education, and empowerment training.
• Giveaways, special offers, and more…
Mention of specific companies, organizations, or authorities in this book does not imply endorsement by the author or publisher, nor does mention of specific companies, organizations, or authorities imply that they endorse this book, its author, or the publisher.
Internet addresses and telephone numbers given in this book were accurate at the time it went to press.

To be honest, I don’t believe you.”
It was the fall of 2012, and Neil had just come off a conference stage to
rousing applause after delivering the keynote on the latest trends in digital
marketing to 2,500 enthused marketers. He’d ended his talk encouraging his
audience to embrace entrepreneurial “hustle” as paramount to success and had
been feeling good about his performance.
Startled, he turned to face his accuser, a petite dark-haired woman, and asked, “Excuse me?”
“C’mon on, Neil,” she replied. “You know the best way to be successful is to
be born to rich parents. Look around you, all the winners come from privileged backgrounds.”
Shaking his head, Neil responded, “Well, with my first job I had the privilege
of mopping up bathrooms at the amusement park near our home. I’m living
proof that hustle works.”
His voice faded as he saw his answer obliterated by his accuser’s seething
disbelief. She rolled her eyes and jabbed the air between them with the pen she
had been using to take notes.
“It’s rigged. Look at Bill Gates. Mark Zuckerberg. Chelsea Clinton. If you
didn’t go to Harvard or Stanford, you’re locked out of the club. No club, no
connections. No connections, no opportunities. No opportunities, no chance at real success.”
Unwilling to wait for further explanation from the former theme park
bathroom attendant turned Internet marketing icon and start-up founder, the
dark-haired woman stormed past Neil down the long convention center hall.
Irritation at his inability to convince his accuser trailed Neil the whole evening
as he navigated the conference after-party, his frustration snapping at him like an
overzealous border collie amid back-slapping beer-breathed colleagues, overly
loud music, and unlimited free cocktails.
As much as he tried to shake it, he knew he had to prove that dark-haired woman wrong.
Yet like her, there are millions of frustrated people among us: professionals
and students, artists and entrepreneurs, moms and dads, to name a few. We know
these people well. They’re our friends, our coworkers, and our family members.
Every Sunday evening, those of us who have fallen for the normal rules of
work and social convention sink into a mild depression as the Monday Blues set
in. Our children, our spouses, our hobbies—life’s little gifts—fade into the
background as we are overwhelmed by the sheer drudgery that awaits us the next
day at 8:00 a.m.
Nearly 90 percent of our fellow workers feel emotionally disconnected from
their jobs, and their dreams remain far afield or fleeting memories. Were we
uniquely privileged Masters of the Universe, we could easily bypass the slog that
provides our daily bread and butter.
But let’s be honest: Most of us aren’t exactly “special.”
We don’t boast an Ivy League education like Sheryl Sandberg, a political
pedigree like a Kennedy, or a wealthy father like Donald Trump. We’re stuck
behind our steering wheels each morning, bound by our commute, unable to take
shortcuts like the privileged few. The best we can hope for is to occasionally
take the carpool lane.
The reality is that we’re more like Rocky Balboa than Luke Skywalker—the
Force isn’t strong in us. We have no special advantages. In fact, we face a world
of disadvantages—at best, we’re underdogs fighting a system that stacks the
odds against us and squeezes the life out of us.
Today, what the three of us, Neil, Patrick, and Jonas, see going on around us
is a small group of people doing well, and this is troubling. Some of these people
are doing exceptionally well—some are even our close friends and clients,
people we respect. And an ocean of others, some of them insanely talented
people, are struggling to move beyond paycheck to paycheck and keep the
promises they made to themselves and their families. We see too many people
repressed by irrational and incessant fears, stifled by an unwillingness to take
more risk, trapped by tough choices about their futures.
What’s happened to their dreams? Why are so many good, hardworking
people going nowhere so fast while so few prosper? What’s the difference
between the successful and the unfulfilled? Something is broken here. We want
to fix it and in the process help thousands of people the world over become
better dreamers and more confident doers.
So how do we possibly find a way to break free and achieve lasting success
and fulfillment on our terms?
One way: We hustle.
In a world of boundless abundance, the only thing standing between us and
fulfillment of our dreams is self-imposed friction, a poison that saps our
willingness to step out of what feels comfortable.
This book is the antidote.

Table of Contents

Hustle- The Power to Charge Your Life with Money, Meaning, and Momentum
Book design by Joanna Williams

We inspire health, healing, happiness, and love in the world. Starting with you.

Mastering the Inner Game of Wealth

T. Harv Eker

Think Rich to Get Rich!

Secrets of the Millionaire Mind- Mastering the Inner Game of Wealth
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Book Details
 223 p
 File Size 
 1,016 KB
 File Type
 PDF format
 2005 by Harv Eker

About the Author
Using the principles he teaches, T. HARV EKER Went from
zero to millionaire in only two and a half years. Eker is
president of Peak Potentials Training, one of the fastest
growing success training companies in North America. With
his unique brand of “street smarts with heart,” Eker’s
humorous, “cut-to the-chase” style keeps his audience
spellbound. People come from all over the world to attend his
sold-out seminars, where crowds often exceed 2,000 people
for a weekend program. So far, Eker’s teachings have touched
the lives of more than a quarter million people. Now, for the
first time, he shares his proven secrets of success in this
revolutionary book. Read it and grow rich!

Don’t miss the next book by your favorite author. Sign up
now for AuthorTracker by visiting

“Who the Heck Is
T.Harv Eker, and Why Should
I Read This Book?”
People are shocked, at the beginning of my seminars, when
one of the first things I tell them is “Don’t believe a word I
say.” Why would I suggest that? Because I can only speak
from my own experience. None of the concepts and insights I
share are inherently true or false, right or wrong. They simply
reflect my own results, and the amazing results I’ve seen in the
lives of thousands and thousands of my students. Having said
that, however, I believe that if you use the principles you learn
in this book, you will totally transform your life. Don’t just
read this book. Study it as if your life depended on it. Then try
the principles out for yourself. Whatever works, keep doing.
Whatever doesn’t, you’re welcome to throw away.
I know I may be biased, but when it comes to money, this
may be the most important book you have ever read. I understand
that’s a bold statement, but the fact is, this book
provides the missing link between your desire for success
2 - Secrets of the Millionaire Mind
and your achievement of success. As you’ve probably found
out by now, those are two different worlds.
No doubt you’ve read other books, listened to tapes or
CDs, gone to courses, and learned about numerous get-rich
systems be they in real estate, stocks, or business. But what
happened? For most people, not much! They get a short blast
of energy, and then it’s back to the status quo.
Finally, there’s an answer. It’s simple, it’s law, and you’re
not going to circumvent it. It all comes down to this: if your
subconscious “financial blueprint” is not “set” for success,
nothing you learn, nothing you know, and nothing you do will
make much of a difference.
In the pages of this book, we will demystify for you why
some people are destined to be rich and others are destined for
a life of struggle. You will understand the root causes of
success, mediocrity, or financial failure and begin changing
your financial future for the better. You will understand how
childhood influences shape our financial blueprint and how
these influences can lead to self-defeating thoughts and habits.
You will experience powerful declarations that will help you
replace your nonsupportive ways of thinking with mental
“wealth files” so that you think—and succeed—just as rich
people do. You will also learn practical, step-by-step strategies
for increasing your income and building wealth.
In Part I of this book, we will explain how each of us is
conditioned to think and act when it comes to money, and
outline four key strategies for revising our mental money
blueprint. In Part II, we examine the differences between how
rich, middle-class, and poor people think, and provide
seventeen attitudes and actions to take that will lead to permanent
changes in your financial life. Throughout the book
“Who the Heck Is T. Harv Eker, and Why Should I Read This Book?” - 3
we also share just a few examples of the thousands of letters
and e-mails I’ve received from students who have attended the
Millionaire Mind Intensive Seminar and achieved powerful
results in their lives.
So what is my experience? Where am I coming from? Was I
always successful? I wish!
Like many of you, I supposedly had a lot of “potential” but
had little to show for it. I read all the books, listened to all the
tapes, and went to all the seminars. I really, really, really
wanted to be successful. I don’t know whether it was for the
money, the freedom, the sense of achievement, or just to
prove I was good enough in my parents’ eyes, but I was almost
obsessed with becoming a “success.” During my twenties, I
started several different businesses, each with the dream of
making my fortune, but my results went from dismal to worse.
I worked my butt off but kept coming up short. I had
“Loch Ness monster disease”: I had heard of this thing called
profit, I just never saw any of it. I kept thinking, “If I just get
into the right business, get on the right horse, I’ll make it.” But
I was wrong. Nothing was least for me. And it was
the last part of that sentence that finally struck me. How come
others were succeeding in the exact same business I was in and
I was still broke? What happened to “Mr. Potential”?
So I began doing some serious soul-searching. I examined
my true beliefs and saw that even though I said I really wanted
to be rich, I had some deep-rooted worries about it. Mostly I
was afraid. Afraid that I might fail, or worse, succeed and then
somehow lose it all. Then I’d really be a schmuck. Worse, I
would blow the one thing I had going for
4 - Secrets of the Millionaire Mind
me: my “story” that I had all this “potential.” What if I found
out I didn’t have what it took and I was destined to a life of struggle?
Then, as luck would have it, I got some advice from an
extremely rich friend of my father’s. He was at my parents’
house playing cards with the “boys” and, in passing, noticed
me. This was the third time I’d moved back home, and I was
living in the “lower-level suite,” otherwise known as the
basement. I suppose my dad had complained to him of my
woeful existence because when he saw me, he had the sympathy
in his eyes usually reserved for the bereaved at a funeral.
He said, “Harv, I started in the same way as you, a complete
disaster.” Great, I thought, this was making me feel a lot
better. I should let him know that I was the
paint peel off the wall.
He kept going: “But then I got some advice that changed
my life, and I’d like to pass it on to you.” Oh, no, here comes
the father-son lecture, and he’s not even my father! Finally he
came out with it: “Harv, if you’re not doing as well as you’d
like, all that means is there’s something you don’t know.”
Being a brash young man at the time, I thought I knew pretty
well everything, but alas, my bank account said something
different. So I finally began to listen. He continued, “Did you
know that most rich people think in very similar ways?”
I said, “No, I never really considered that.” To which he
replied, “It’s not an exact science, but for the most part, rich
people think a certain way and poor people think a completely
different way, and those ways of thinking determine their
actions and therefore determine their results.” He went on, “If
you thought the way rich people do and did what
“Who the Heck Is T. Harv Eker, and Why Should I Read This Book?” - 5
rich people do, do you believe you could become rich too?” I
remember answering with all the confidence of a mush ball, “I
think so.” “Then,” he replied, “all you have to do is copy how
rich people think.”
Being the skeptic I was at the time, I said, “So what are you
thinking right now?” To which he replied, “I’m thinking that
rich people keep their commitments and mine is to your dad
right now. The guys are waiting for me, see ya.” Although he
walked out, what he said sank in.
Nothing else was working in my life, so I figured what the
heck and threw myself wholeheartedly into studying rich
people and how they think. I learned everything I could about
the inner workings of the mind, but concentrated primarily on
the psychology of money and success. I discovered that it was
true: rich people really do think differently from poor and even
middle-class people. Eventually, I became aware of how my
own thoughts were holding me back from wealth. More
important, I learned several powerful techniques and strategies
to actually recondition my mind so that I would think in the
same ways rich people do.
Finally, I said, “Enough yakking about it, let’s put it to the
test.” I decided to attempt yet another business. Because I was
really into health and exercise, I opened one of the first retail
fitness stores in North America. I didn’t have any money, so I
had to borrow $2,000 on my Visa card to get the business
started. I began using what I’d learned by modeling rich
people, both in terms of their business strategies and their
thinking strategies. The first thing I did was commit to my
success and playing to win. I swore I would focus and not
even consider leaving this business until I was a millionaire or
more. this was radically different from my previous efforts,
where, because I always thought short-term, I would
6 - Secrets of the Millionaire Mind
constantly get sidetracked by either good opportunities or
when things got tough.
I also began challenging my mental approach whenever I
began thinking in financially negative or counterproductive
ways. In the past, I believed that what my mind said was truth.
I learned that in many ways, my mind was my biggest obstacle
to success. I chose not to entertain thoughts that did not
empower me toward my vision of wealth. I used every one of
the principles you are going to learn in this book. Did it work?
Boy, did it work!
The business was so successful that I opened ten stores in
only two and a half years. I then sold half the company shares
to a Fortune 500 company for $1.6 million.
After that, I moved to sunny San Diego. I took a couple of
years off to refine my strategies and began doing one-on-one
business consulting. I presume it was quite effective for people
because they kept bringing friends, partners, and associates to
our sessions. Soon I was coaching ten and sometimes twenty
people at a time.
One of my clients suggested that I might as well open up a
school. I thought that was a great idea, so I did. I founded the
Street Smart Business School and taught thousands of people
all across North America “street-smart” business strategies for
“high-speed” success.
As I traveled across the continent giving my seminars, I
noticed something strange: You could have two people sitting
side by side in exactly the same room, learning exactly the
same principles and strategies. One person would take these
tools and skyrocket to success. But what do you think might
happen to the person sitting right next to him or her? The
answer is, not much!
That’s when it became obvious that you can have the
“Who the Heck Is T. Harv Eker, and Why Should I Read This Book?” - 7
greatest “tools” in the world, but if you’ve got a tiny leak in
your “toolbox” (I’m pointing to my head right now), you’ve
got a problem. So I designed a program called the Millionaire
Mind Intensive based on the inner game of money and
success. When I combined the inner game (the toolbox) with
the outer game (the tools), virtually everybody’s results went
through the roof! So that’s what you’re going to learn in this
book: how to master the inner game of money to win the
game of money—how to think rich to get rich!
People often ask me whether my success was a “one-shot
deal” or whether it has continued. Let me put it this way:
Using the exact principles I teach, I have now earned millions
and millions of dollars and am a multimultimillionaire several
times over. Virtually all my investments and business ventures
seem to skyrocket! Some people tell me I have the “Midas
touch,” where everything I get involved in turns to gold.
They’re right, but what they may not realize is that having a
Midas touch is simply another way of saying, having a
“financial blueprint” set for success, which is exactly what you
will have once you learn these principles and do this work.
Early on during our Millionaire Mind Intensive Seminar, I
generally ask the audience, “How many of you came here to
learn?” It’s a bit of a trick question because as author Josh
Billings said, “It’s not what we don’t know that prevents us
from succeeding; it’s what we know that just ain’t so that is our
greatest obstacle.” This book is not as much about learning as
it is about “unlearning”! It is essential you recognize how your
old ways of thinking and acting have gotten you exactly where
you are right now.
If you’re really rich and really happy, fine. But if you’re not,
I invite you to consider some possibilities that may not
8 - Secrets of the Millionaire Mind
fit into your “box” of what you currently think is right or even
appropriate for you.
Even though I suggest that you “don’t believe a word I say”
and want you to test these concepts out in your own life, I’m
going to ask you to trust the ideas you are reading. Not
because you know me personally, but because thousands and
thousands of people have already changed their lives as a result
of the principles in this book.
Speaking of trust, it reminds me of one of my favorite stories.
It’s about a man who is walking along a cliff and all of a
sudden loses his balance, slips, and falls off. Fortunately, he
has the presence of mind to grab on to the ledge, and he’s
hanging there for dear life. He hangs and hangs and finally
yells out, “Is there anybody up there who can help me?”
There’s no answer. He keeps calling and calling, “Is there
anybody up there who can help me?” Finally this big bellowing
voice calls back, “This is God. I can help you. Just let go and
trust.” Next thing you hear: “Is there anybody else up there
who can help me?”
The lesson is simple. If you want to move to a higher level
of life, you have to be willing to let go of some of your old
ways of thinking and being and adopt new ones. The results
will eventually speak for themselves.

Table of Contents
“Who the Heck Is T. Harv Eker, and
Why Should I Read This Book?”

Your Money Blueprint

The Wealth Files
Seventeen Ways Rich People Think and
Act Differently from Poor and Middle-Class People

“So What the Heck Do I Do Now?”

Special Bonus Offer 193
Share the Wealth 197

Recommended Resources 199
Index 203
About the Author
About the Publisher

Secrets of the Millionaire Mind- Mastering the Inner Game of Wealth
PerfectBound™ and the PerfectBound™ logo are
trademarks of HarperCollins Publishers, Inc.

The offer on page 193 is open to all purchasers of Secrets of the
Millionaire Mind by T. Harv Eker. Original proof of purchase is
required. The offer is limited to the Millionaire Mind Intensive
weekend seminar only, and your registration in the seminar is
subject to availability of space and/or changes to program
schedule. The course must be completed by July 1, 2006. The
value of this free admission for you and a companion is
$2,590, as of February 2005. Corporate or organizational
purchasers may not use one book to invite more than two
people. While participants will be responsible for their travel
and other costs, admission to the program is complimentary.
Participants in the seminars are under no additional financial
obligation whatsoever to Peak Potentials Training or T. Harv
Eker. Peak Potentials Training reserves the right to refuse
admission to anyone it believes may disrupt the seminar, and
to remove from the premises anyone it believes is disrupting the seminar.

How to Make It and How to Hold on to It

Richard Templar

1. Wealth. 2. Finance, Personal. 3. Money. 4. Success.
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Book Details
 196 p
 File Size 
 1,017 KB
 File Type
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 978-0-13-290781-1 (pbk. : alk. paper)
 ©Pearson Education 2012 

Vice President, Publisher: Tim Moore
Associate Publisher and Director of Marketing: Amy Neidlinger
Acquisitions Editor: Megan Graue
Operations Specialist: Jodi Kemper
Senior Marketing Manager: Julie Phifer
Assistant Marketing Manager: Megan Graue
Cover Designer: Alan Clements
Managing Editor: Kristy Hart
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Proofreader: Apostrophe Editing Services
Senior Compositor: Gloria Schurick
Manufacturing Buyer: Dan Uhrig ©2012 by Pearson Education, Inc.
Publishing as FT Press
Upper Saddle River, New Jersey 07458

There’s an old saying “Money, money, money—it’s all they can think about.”
Unlikely to be true of course, given that hardly anybody thinks about money
itself (unless they happen to be a coin collector). The reason we all pursue and
desire and fiercely protect money is because of what we can do with it.
And no, of course money can’t buy you love or happiness. Although it can buy a
good deal of pleasure—and remove a lot of unhappiness. But it can buy you
plenty of other things. Over the years I’ve identified the ten things which people
most seem to want to spend their money on:
1 Security: A home of your own and enough money in the bank to support
you in the way you want, plus a bit in hand for emergencies, and a big
enough pension to ensure a comfortable retirement.
2 Comfort: A warm and spacious house, a big car, someone to clean or mow
the lawns or do the laundry or mind the kids, and good quality medical care
whenever you want it.
3 Luxuries: Exotic vacationss, fine wines, meals at top-class restaurants,
expensive clothes, the best seats at sports events or opera or whatever you enjoy.
4 Mobility: First-class train seats and plane tickets, trips on cruise ships,
chauffeur-driven cars wherever you are in the world.
5 Status: Prestigious invitations, access to important people and exclusive
clubs, and perhaps even gratifying deference from others.
6 Influence: As a generous donor of substantial sums, you can make sure that
your views and wishes are listened to and taken seriously.
7 Freedom: Not being dependent on employers, bosses, creditors, clients,
customers. Not being a slave to the calendar, diary, or clock. Knowing you
won’t have to be a burden on your children.
8 Leisure: Time to do the things you want, go where you want, meet who you
want, when you want.
9 Popularity: Being able to entertain friends, acquaintances, and contacts
frequently and generously does wonders for your social life.
10 Philanthropy: Being able to make regular and substantial donations gives
you the satisfaction of helping people, supporting organizations, and furthering
causes you believe in.
Seems a reasonable enough list to me. And whether it’s some or all those things
that you’d like more of, you need to know how to go about generating greater
wealth—which means you need to know what it is that separates the wealthy
from the not-so-wealthy. So, what you need to know is what principles, and what
behaviors the rich have, that you don’t (yet). Some of them you will realize that
you know, but don’t do. None of this is actually rocket science; it’s about
understanding and then doing. I’ve studied a lot of wealthy people, and it’s clear
to me that there are some fundamental common principles followed by almost
all. The bulk of the Rules in this book fall into that category. Then there are also
some principles which some rich people swear by, but not all. I’ve included
some of those too for good measure, just in case you too are one of the people
they do the trick for.
Security, comfort, luxuries, mobility, status, influence, freedom, leisure,
popularity, philanthropy—that’s all some people think about. They may not be
everything; they may not even guarantee a happy life, but they’re a pretty good
basis to build happiness on.
I’ve tried to set out in this book the most important Rules that can help you
achieve these ten things. All of them purport to be about accumulating money,
and of course in a sense they are, but at heart they’re about money only as a
means to an end. A means to achieve those ten ends.
Of course I don’t claim that these hundred or so Rules are the only means to
these particular ends. You may encounter others along the way that you find
helpful. If so, please do feel free to share them. You can email me at
Richard Templar

Table of Contents
Part I Thinking Wealthy
1 Anybody Can Be Wealthy—You Just Need to Apply Yourself
2 Decide on Your Definition of Wealth
3 Set Your Objectives
4 Keep It Under Your Hat
5 Most People Are Too Lazy to Be Wealthy
6 Get a Reality Check
7 Understand Your Money Beliefs and Where They Come From
8 Understand That Wealth Is a Consequence, Not a Reward
9 Decide What You Want Money For
10 Understand That Money Begets Money
11 Calculate the Net Return
12 If You See Money as the Solution, You’ll Find It Becomes the Problem
13 You Can Make Lots of Money, You Can Enjoy Your Job, and You Can
Sleep Nights
14 Don’t Make Money by Being Bad
15 Money and Happiness—Understand Their Relationship
16 Know the Difference Between Price and Value
17 Know How the Wealthy Think
18 Don’t Envy What Others Have
19 It’s Harder to Manage Yourself Than It Is to Manage Your Money
Part II Getting Wealthy
20 You’ve Got to Know Where You Are Before You Start
21 You’ve Got to Have a Plan
22 Get Your Finances Under Control
23 Insurance Pays Someone, and Odds Are It’s Not You
24 Only by Looking Wealthy Can You Become Wealthy
25 Speculate to Accumulate (No, This Isn’t Gambling)
26 Decide Your Attitude to Risk
27 Think Through the Alternatives to Taking a Risk
28 If You Don’t Trust Someone, Don’t Do Business With Them
29 It’s Never Too Late to Start Getting Wealthy
30 Start Saving Young (or Teach Your Kids This One If It’s Too Late for You)
31 Understand That Your Financial Needs Change at Different Stages of Your
32 You Have to Work Hard to Get Rich Enough Not to Have to Work Hard
33 Learn the Art of Deal Making
34 Learn the Art of Negotiating
35 Small Economies Won’t Make You Wealthy but They Will Make You
36 Real Wealth Comes from Deals Not Fees
37 Understand That Working for Others Won’t Necessarily Make You Rich—
but It Might
38 Don’t Waste Time Procrastinating—Make Money Decisions Quickly
39 Work as If You Didn’t Need the Money
40 Spend Less Than You Earn
41 Don’t Borrow Money—Unless You Really, Really Have To
42 Consider Consolidating Debts
43 Cultivate a Skill and It’ll Repay You Over and Over Again
44 Pay Off Your Loans and Debts as a Priority
45 Don’t Be Too Busy Earning a Living to Make Some Money
46 Save in Big Chunks—or Should You?
47 Don’t Rent; Buy
48 Understand What Investing Really Means
49 Build a Bit of Capital, Then Invest It Wisely
50 Understand That Property, in the Long Run, Will Not Outpace Shares
51 Master the Art of Selling
52 See Yourself as Others Do
53 Don’t Believe You Can Always Win
54 Don’t Pick Stocks Yourself If You Don’t Know What You’re Doing
55 Understand How the Stock Market Really Works
56 Only Buy Shares (or Anything) You Can Understand
57 Use Your Head
58 By All Means, Use the Investment Professionals (but Don’t Be Used by
59 If You Are Going to Get Financial Advice, Pay for It
60 Don’t Fiddle
61 Think Long Term
62 Have a Set Time of Day to Work on Your Wealth Strategy
63 Pay Attention to Detail
64 Create New Income Streams
65 Learn to Play “What If?”
66 Control Spending Impulses
67 Don’t Answer Ads That Promise Get-Rich-Quick Schemes—It Won’t Be
You Who Gets Rich Quick
68 There Are No Secrets
69 Don’t Just Read This—Do Something
Part III Get Even Wealthier
70 Carry Out a Finance Health Check Regularly
71 Get Some Money Mentors
72 Play Your Hunches
73 Don’t Sit Back
74 Get Someone to Do the Stuff You Can’t
75 Know Yourself—Solo, Duo, or Team Player
76 Look for the Hidden Asset/Opportunity
77 Don’t Try to Get Rich Too Quickly
78 Always Ask What’s In It for Them
79 Make Your Money Work for You
80 Know When to Let Go of Investments
81 Know Your Own Style
82 Know Why You Should Be Able to Read a Balance Sheet—and How
83 Be One Step Ahead of Your Tax Collector
84 Learn How to Make Your Assets Work for You
85 Don’t Ever Believe You’re Only Worth What You Are Being Paid
86 Don’t Follow the Same Route as Everyone Else
Part IV Staying Wealthy
87 Shop for Quality
88 Check the Small Print
89 Don’t Spend It Before You’ve Got It
90 Put Something Aside for Your Old Age—No, More Than That!
91 Put Something Aside for Emergencies/Rainy Days—the Contingency Fund
92 You Paid What for It? How to Shop Around
93 Never Borrow Money from Friends or Family (but You Can Allow Them to
94 Don’t Surrender Equity
95 Know When to Stop
Part V Sharing Your Wealth
96 Use Your Wealth Wisely
97 Never Lend Money to Friends or Family Unless You Are Prepared to Write
It Off
98 Don’t Lend, Take Equities
99 You Really, Really Can’t Take It with You
100 Know When/How to Say No—and Yes
101 Find Ways to Give People Money Without Them Feeling They Are in Your
102 Don’t Over-Protect Your Children from the Valuable Experience of Poverty
103 Know How to Choose Charities/Good Causes
104 Spend Your Own Money Because No One Will Spend It as Wisely as You
105 Take Responsibility Before You Take Advice
106 Once You’ve Got It, Don’t Flaunt It
107 What’s Next? Pacts with the Devil?

The Rules of Money- How to Make It and How to Hold on to It, Expanded Edition
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- Master the Mindset of Wealth -

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Book Details
 161 p
 File Size 
 1,061 KB
 File Type
 PDF format
 9780735222977 (hardcover)
 9780735223004 (e-book)
 9780735224209 (export)
 2017 by Good Witch LLC 

About the Author
Jen Sincero is a world-renowned author, success coach, and motivational speaker who’s spent over a
decade helping people transform their lives and their bank accounts. Sincero lives in Santa Fe, New Mexico.

If you’re ready to make more money, you can. I don’t care how many times
you’ve tried and failed or if you’re so broke you’re selling your bodily fluids
for bus fare or how often you’ve found yourself center stage at the checkout
counter, feigning shock and indignation: “Are you sure? Declined?! That’s
impossible. Can you run it one more time?” No matter how out of the question it
may seem for you at this moment, you can make lots of money. Even I’ma-buyeveryone-
I-love-a-house-and-a-gold-tooth kind of money, if that’s what turns you on.

I’d also like to point out that there’s nothing horribly wrong with you if you
haven’t figured out how to do it yet. Money is one of the most loaded topics out
there—we love money, hate money, obsess over money, ignore money, resent
money, hoard money, crave money, bad-mouth money; money is rife with so
much desire and shame and weirdness it’s a wonder we can utter the word above
a whisper, let alone go out and joyfully rake it in. (Have you been brave enough
to read this book in public, I wonder? With the title in full view?)
It reminds me a lot of how we’ve been conditioned to deal with sex, another
gold medalist in the Topics That Totally Freak People Out Competition. When it
comes to having sex and making money, you’re supposed to know what you’re
doing and be all great at it, but nobody teaches you anything about it, and you’re
never supposed to talk about it because it’s inappropriate, dirty, not so classy.
Both money and sex can provide unthinkable pleasures, birth new life, and
inspire violence and divorce. We’re ashamed if we don’t have it, we’re even
more ashamed to admit we want it, we will do things/people we’re not nuts
about in order to get it, and I know I’m not the only one who has caught myself
fantasizing about a stranger dressed like Batman coming up and giving me some
on a bench in Central Park (am I?).

The good news is if you, like most people, have a troubled or conflicted
relationship with money, you have the ability to heal it, transform it, and become
such awesome pals with money that you wake up one day to find yourself
standing in the middle of the life you’ve always wanted to live. And you can
start making this change right now. All you need to do is wake up to what’s
holding you back, make new, powerful choices about what you focus on,
ensmarten yourself about money, and go for it like you ain’t never gone for it
before. Which is what this book will help you do.

I personally transformed my financial reality so quickly and massively that
everybody who knows me well is still wondering what the hell happened. And
believe me when I say if my broke ass can do it, you can do it too, no matter
how rickety or hopeless you may feel right now. Because I knew precisely zero
things about making money until I was in my forties. My forties! That’s the age
when most people possess things like houses and college funds for their kids and
an understanding of how the Dow Jones works. Meanwhile, at forty I possessed
a barren bank account, a deep wrinkle line between my eyebrows from stress,
and a first-name basis relationship with Sheila at the collection agency.

For the vast majority of my adult life I was a freelance writer, forever
scrambling for work that paid an insulting nonamount considering how time
consuming and challenging it was. Had I actually done the math, I would have
realized just how free my lancing was, but I instead chose to be in denial of the
facts, work harder, complain more, and just, you know, hope that I’d somehow
magically start raking in the dough or get run over by someone rich who would
then have to take care of me for the rest of my life. My watertight plan for
getting out of financial struggle was partly based on having a whole lotta hangups
about money (money is evil, rich people are gross, I have no idea how to
make it, I’d have no idea what to do with it even if I did know how to make it,
etc.), as well as my perpetual, and torturous, state of indecision. I knew I was a
writer, and I also knew I wanted to do more than sit alone in a room in my robe
and type all day, I just didn’t know what it was I wanted to do. And rather than
just picking something already and seeing where it led, I chose to bite my nails
down to bloody nubs and wallow in the I Don’t Know What the Hell I Want to
Do with My Life quagmire. For years. As in decades. It was so painful. And
devastating. And utterly paralyzing. This is how I found myself at the ripe old
age of forty, living in a converted garage, in an alley, in fear of requiring dental
work, excelling at financial mediocrity in the following ways:
Eating/drinking/filling my pockets with anything that was free, regardless of whether or
not I really liked it or needed it.
Walking countless blocks, in flip-flops, to save five dollars on valet parking.
Employing duct tape, instead of professionals, to repair things like leaking pipes,
busted shoe straps, and fractured bones.
Meeting friends at a restaurant for dinner, ordering a glass of water, tap is fine thanks,
I love the tap in this city, before explaining to the table how I’m really not hungry, I’m
stuffed actually, and then the free bread is placed on the table and disappears into my
mouth in a blur.

Choosing between phone service and health insurance.
Spending excruciating amounts of time purchasing anything, from a TV to a
bedspread to a wooden spoon, in order to thoroughly investigate every possibility of a
cheaper option, a forthcoming sale, a coupon code, or to entertain the question, “Is
this something I could perhaps make myself?”
If I’d put the same amount of time and focus that I put into freaking out about
not having money, cutting back my expenses, finding the deals, haggling,
researching, returning, refunding, redeeming, rerouting, rebating, into actually
making money, I would have been driving a car with working windshield wipers
years before I actually did.

This making money thing is not about never again making wise, informed
purchases or rejoicing in a good sale or filling up on bread. It’s about giving
yourself the options and the permission to be, do, and have whatever lights you
up, instead of acting like a victim of your circumstances. It’s about not
pretending everything is cool, I love having three roommates, none of whom
know how to use a sponge or a goddamned broom, instead of focusing on
making more money to afford yourself your own place for fear you’ll be judged
or you’ll suck at it or that it’ll be too hard or no fun or out of your reach. It’s
about creating the wealth that affords you the life you’d love to live instead of
settling for what you think you can get.

The human ability to rationalize, defend, and accept our self-imposed drama
is bananas. Especially because we have all the power within us to choose and
create realities that totally kick ass. We see it all the time with people who are in
miserable or even abusive relationships: “He’s just so sad and sorry after he
cheats on me. It breaks my heart. Plus, the make-up sex is superhot.” We see it
when people insist on staying in jobs they hate: “I spend my lunch breaks
weeping in the stairwell I’m so miserable. But the health insurance is amazing.”
Meanwhile their spirit and their time on this Earth are quickly swirling down the drain.

Table of Contents
Also by Jen Sincero
Title Page
Chapter 1. Allowance
Chapter 2. Why You Ain’t Rollin’ in the Cheddah. Yet.
Chapter 2a. A Tiny but Mighty Chapter About Universal Intelligence
Chapter 3. Show Me the Money
Chapter 4. Best Practices for Busting Yourself
Chapter 5. The Hollering of Your Heart
Chapter 6. Your Mental Moneymaker
Chapter 7. Faith and Gratitudinal Gold
Chapter 8. Decisive Action: The Choice of Champions
Chapter 9. Movin’ on Up
Chapter 10. And Now, a Word from my Accountant . . .
Chapter 11. Your Inner Wealth
Chapter 12. Tenacity
Chapter 13. Change Loves Company
About the Author

You Are a Badass at Making Money- Master the Mindset of Wealth
An imprint of Penguin Random House LLC
375 Hudson Street
New York, New York 10014
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