It is easy to get rich can any of us

But if you want to be a businessman or just a rich man, you is not necessary for it to go to school. Look who the richest people in the world - Michael Dell, Bill Gates, Steve Jobs, Larry Page. All of them have thrown in their time in school and college.

- Does it mean that you are applying in their books not all, but only to a certain type of people, businessmen and potential investors in mentality?

- No, I'm just saying, it is not necessary to go to school in order to get rich, and in schools should be introduced initial financial education, because money plays an important role in the life of each of us.

Even if you are absolutely poor, you still beg for money. And this I did not fit in my head - the majority of people hammered into his head that you need to go get a good education, to find a good job. And if I do not want to go to school and do not want me to have a job?

What is the right strategy for wealth creation in our time?

- It is time to reconsider. The work means that you are paying for something that you were someone else's business. Under the new policy, you need to run their own business.

The notion that you have to go to school, get a good education, find a reliable performance and provide self-care companies and government - is the principle of the Industrial Age. It is a good program, but if you were born before the 30s.

- Why it does not work anymore?

-Because We are in the information age. The rules have changed. Big companies now say that we are no longer willing to pay you a pension, you will have to provide themselves with their own. Previously, they used to determine the pension plan, they now offer employees accumulate their own pension plan.

The sad truth is that it does not have savings. People do not put money into your retirement account, because they do not have enough cash to do it. I started to raise this issue in the late seventies.

Meanwhile, our school system is still in the industrial age to the present day, telling people that their salvation in the "core" work. It's crazy. People have to stop working for money and learn how to do so that money to work for them.

- Are you familiar with examples of those who have participated in your seminars, read your book, tried to implement your ideas into practice, but have failed? What advice would you give these people?

-Here, I can not understand. Well, what if you could not? See, that's what they teach in school. If you are not constantly shine success, then you are a loser. But even the most successful people suffered setbacks! What's wrong with that?

Thomas Edison was not successful a thousand times before he invented the light bulb. I think that is absolutely stupid to punish people for what they make mistakes, hanging on them for a label "loser." The biggest losers - those who do nothing, they are people who know all the answers, but afraid to make a mistake!

How many times I have failed myself, but that did not stop me, but only whet. Every time you learn something new. And how can you succeed if you do not make any mistakes? From this comes the experience, so silly to punish people for their mistakes. And a great folly to believe that you can be successful immediately, at the first attempt. To think like that, you have to be an absolute ignoramus.

- What are your plans for the future?

- I'm working on a new book, which will be called "Rich brother rich sister." It's about two different ways of life. I recently met my sister, from whom had not heard for many years. We had very different when the war began in Vietnam, she leaned into the hippie (long hair and flowers - as they protested against the war).

I went straight into the Marines. But over time I realized that it is difficult to reconcile the nations, when you kill people. And here we are after all these years - my sister's cancer, heart disease, and it is as poor as a church mouse, and I'm healthy and rich.

I want to note that I am, first and foremost, a businessman, not a writer. Scripture books - this is only part of my business. This is despite the fact that I earn more than most writers. You should pay attention to what I do, not what I produce. In the world there are many people who write books, but nobody reads them.

I have a question: why have so many readers of my books? Am I as a writer better than they? Why I'm rich, but I have no job? Why are all in one voice are advised to diversify their investments, while Warren Buffett and Oprah Winfrey did not diversify their investments?

People work hard, because they teach as parents, friends, society, and ultimately lose out. Those who do not find the answer for themselves, later, when I give some strategic advice, ask me stupid questions, because they do not understand what I am talking about.

Well, for example, you have seen today, I gave all the money I earned. As well - I'm a rich man, but I do not need money? Why in the world have so many people became rich overnight?

For example, the guy who created the site links Facebook, Zuckerberg Michael, he is only 23 years old, and he was a millionaire. He sold his company a small fraction - 1.6% - Microsoft's two hundred and forty million dollars! And it turns out that all his company is worth $ 15 billion!

Here are some questions you need to ask yourself - how he did it and what he has done for this?

Habits of Millionaires

Finally, representatives of the public really professions - lawyers or athletes - up in this group secured a minority of Americans. By the way, the people leading the business on their own account for the total number of working Americans 20%. But among American millionaires who own works is called rolling up our sleeves - more than two-thirds!

Interestingly, but, apparently, the Americans are particularly successful in the first generation. They are not inclined to spend on prestigious products as much as native Americans. And much more think about a secure old age. In the US, 12% of the owners of the companies included in the list of five hundred of the most successful enterprises of Inc. magazine (incidentally, the same publication for small and medium businesses) are the Americans in the first generation, that is, were born outside the United States (which, incidentally, roughly equivalent to the share of New Americans).

In addition, the authors found that in families of millionaires (and 95% of them are married) wife, as a rule, too cheap. As one of the millionaires, "I can not force his wife to spend the money!"

One of the conclusions: millionaires become the head of the family, where there is not only a strict family budget, but also maintained tight control of costs. And two-thirds of millionaires said that when planning their financial future, "spend a lot of time."

Portrait of the average millionaire turned out that's how. This is a man of 57 years. He is married and has three children. About half of the wives of millionaires work. And here is the most popular profession - teacher. 97% of families own their own homes millionaires an average cost of $ 320,000 (according to 1996). 20% of American millionaires never attended university, 6% have a doctorate, 8% - the formation of a lawyer, 6% - medical education.

Incidentally, among the organizers of the auction in the US 35% - the millionaires. Maybe the point is that it auctioneers are often faced with someone who was once rich, but went bankrupt and had to sell property?

Seven Rules of millionaires

Here are seven key habits of American millionaires, exposed Thomas Stanley and William Danko of the study:

* Living expenses should not exceed the level of income

* It should be efficient use of time, energy and resources to achieve greater well-being

* Financial independence is more important than the demonstration of high social status

* Millionaires are without the help of parents

* Children millionaires are economically dependent on them

* Millionaires skillfully used the possibility of a market economy

* They choose the right activities

Ethnography

Perhaps the most interesting part of the research devoted to the analysis of the composition of the millionaires on such criteria as the "country of origin". It is clear that in most cases proved a mixed ethnic origin, so that the answers are more reduced to identity, showing themselves millionaires look at its origin, and not the actual genealogy.

Incidentally, this is why in the United States nearly 20% of households consider themselves natives of Germany and only 10% - from Britain (without Ireland and Scotland), although this is nothing more than a tradition, passed on from generation to generation. Immigrants from Russia account for only 6% of the total number of American millionaires.

But more than 22% of them have become millionaires (remember that the average percentage of millionaires in the USA - 3, 5%, that is, on average, immigrants from Russia six times more likely to become millionaires than Americans). This is the highest rate among all ethnic groups in the United States. Of course, there is need to do a lot of reservations, since at least the fact that the data presented in the book, dated 1997.

In addition, the ethnic composition of immigrants from Russia are not limited to Russian because Russia - a multinational state, and often emigrated just minorities - Jews or Armenians. But be that as it may, people from Russia got the best results.

This demonstrates the high level of entrepreneurial spirit, and perhaps talking about the need for more active cooperation ethnic homeland with those who live abroad and falls into the category of millionaires. Finally, all statements to the effect that the Russians do not know how to do business on the background of such statistics look ridiculous.

Do not spend and invest!

Well, American millionaires live relatively modestly. But how, then, they are using their money? The answer is simple. Instead of spending money on themselves, people who have become millionaires, money - invest. On average, each year an American millionaire invests about 20% of their income. 79% of millionaires have a score of at least one brokerage firm.

At the same time, more than 20% of the wealth of American millionaires due to the shares of their companies. In terms of American millionaires have so much money that they can, without changing their habits, to live 12 years without working. However, more than two thirds of millionaires work hard - from 45 to 55 hours a week.

However, the millionaires not only invest, but, of course, receive the income from the investment. Thus, the average income per household in half the cases is $ 131,000 for (average,) the total wealth of $ 1, 6 million. But let us return for a moment to the ethnic features.

As shown by research by Stanley and Danko, the most economical and effective are the Scots. Judge for yourself. Income 60% of families of millionaires, leading descended from the Scots, is less than $ 100,000 a year. This is the lowest level of income for all ethnic groups of millionaires. But if such incomes Scots become millionaires?

The fact is that the typical "Scottish" family with an annual income of $ 100,000 a year living as well as the average American family with an income of $ 85,000. But investing "Scots" with a family income of $ 100,000 the same as American families with an income of $ 150,000. Simply put, it is the successful investments made wealthy Scots.

The conclusion that we do already without prompting researchers habits of American millionaires, is as follows.

When Russian people with the money will start en masse to understand that money does not need to spend and invest in the country will begin an investment boom. And the one who is ready for it, will be able to put together his fortune to maintain the boom.

The book is brought to life by this article, called "Your neighbor - a millionaire." And this is no accident. After all, the study authors found that the millionaires in the United States do not live marginalized groups. And do not look particularly rich.

This means that each neighbor, the average American may not be less than the ordinary millionaire. As much as it may look unpresentable.

Author: Leonid Malkov