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For The Long Term - Wealth Building 101

By Frank Miller


Getting rich isn't all about hard work. In fact hard work has got little to do with getting rich. It's not that I don't advocate hard work, I do. I love working hard but I especially like to see myself and others working smart. I know that getting rich and achieving success is not exclusively the domain of blood, sweat and tears. I've seen friends, work colleagues and family work themselves to the bone for little or no reward.

The major problem about following any of these systems is that it takes time. Anyone who has truly succeeded in these models did not make their "fortunes" or supposed fortunes overnight. It took a lot of hard work and it took time. Should you really want to build wealth , the first key to success is keeping the main thing the main thing. Whatever your choice is for a business model you have to keep it the main focus of your thoughts, feelings and actions. The wealth building process includes not just a business, but it includes the managing and direction of your money. Some people believe that just because they have a business even if the income is good or great, that they don't necessarily need to focus too much attention on the management of it. Well that in truth is the fastest way to eventually undue everything that you worked so hard for.

In general terms, getting access to Other People's Money (OPM) is a form of leverage that enables you to go beyond the limits of your own resources and instead apply resourcefulness to everything you do. In business terms, leverage is the key that differentiates self-employed person who owns a job from the business owner who own a business. In financial/investment terms it means getting access to cash that's not yours in order to buy assets that you control and that produce income.

The richest and especially the wealthiest people in the world have known about leveraging Other People's Money for years. Everyone from Jean Paul Getty, Aristotle Onassis and Donald Trump have excelled at this wealth building principle numero uno. Their use of OPM to buys assets is legendary. Onassis in particular is known for having secured contracts to transport ore and oil in ships and tankers he didn't yet own and then going to the banks securing the loans to buy the ships and tankers using the contracts. A brazen and gifted deal-maker if there ever was one! People go about building wealth or acquiring assets in different ways based on their background, past experiences and what they have been taught or know about money. For the most part people think of great riches and wealth as largely unattainable because of the model or mindset they have about money. What most people fail to understand is that you actually don't need money to make money. Sure it helps but what you really need is access to Other People's Money in order to make money.

Wealth building is a process, it starts with you. You can start on a shoe string or have enough financing to get a large leap into the business you have chosen. The other part of the wealth building process is the management of income that is earned by your efforts. This revenue should do 2 things, one is for paying your basic business expenses and the other is for building the wealth portion of your life. This is inclusive of obtaining income producing long term equity assets such as real estate, oil leases other business investments. There are two other considerations, your current lifestyle and the overall marketing and business strategies.

Consider this, if you make 100% on 5,000 you have $10,000 but do the same again and you have $20,000 and this exponential growth can build huge money in time. Building wealth means finding out what you can do, and what you can do to make money with the skills that you have. Financial growth involves the ownership of multiple money producing assets that flow to you, not money draining assets that flow from you. One of the least utilized techniques for building wealth is to set aside money in separate accounts. Another important aspect of building wealth is to know what to do when the money does start to come in. If you are unsure of where to start and feel like you just aren't cut out for wealth building, there are programs that will instruct you further.




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