前Banker真心話🙅🏻‍♀️成為有錢人不能靠投資, 不要再浪費時間了🫡[中文ENG]

Summary

This video script explores the misconceptions about wealth creation through investment, highlighting that financial freedom is not solely achievable by stock market plays. It emphasizes the importance of initial capital, the reality of market returns, and the significance of building a business. The speaker, a former banker, shares insights on the wealth pyramid, the role of private companies in asset accumulation, and practical steps to financial independence, advocating for a clear 'Why?', exploring 'How?', and challenging viewers to assess their daily actions towards wealth-building.

Takeaways

• 💰 **Wealth Accumulation**: Warren Buffett, George Soros, and Bill Ackman made significant profits through various investment strategies, but these are not typical and require substantial capital to begin with.
• 🏦 **Investment Reality**: The speaker, a former banker, emphasizes that becoming wealthy cannot solely rely on investment and that financial freedom is a gradual process.
• 💼 **Capital Requirement**: Before making substantial investments like in Coca-Cola, Buffett had already achieved financial freedom, highlighting the importance of initial capital.
• 📈 **Stock Market Returns**: High-percentage returns on investments like Tesla or NVIDIA are impressive but may not be enough to retire on, especially with small initial investments.
• 📊 **Market Index Returns**: The S&P 500 has a long-term average return of about 9.9%, which, while stable, is not enough for rapid wealth accumulation.
• 🚀 **High-Risk, High-Reward**: Pursuing ultra-high returns involves high risk, often requiring investment in high-growth startups or exceptional foresight and luck.
• 🤔 **Investment Performance**: Most professional fund managers underperform the market index, indicating that even experts struggle to consistently outperform the market.
• 🏆 **Wealth Origin**: The primary source of wealth for the rich is their private companies, not financial investments, with the bottom 50% of people holding minimal shares.
• 🛠 **Value of Work**: Building a business and solving problems for others through products or services is a key path to wealth, as illustrated by the speaker's own startup journey.
• 🔄 **Wealth Pyramid**: The wealth pyramid shows that the top tier consists of rich tycoons, followed by financially free individuals, and the base being ordinary people with jobs but lacking freedom.
• 💡 **Start With Why**: Understanding the 'why' behind seeking financial freedom is crucial, as it helps to define one's financial goals and the lifestyle one aspires to achieve.
• 📚 **Education and Influence**: Learning about financial management and being influenced by successful individuals can significantly impact one's approach to achieving financial freedom.
• 🔢 **50/30/20 Rule**: A key financial management rule suggests allocating 50% of income for necessities, 30% for savings or debt repayment, and 20% for discretionary spending.

Q & A

What was the return on investment Warren Buffett achieved by investing in Coca-Cola?

Warren Buffett made more than 1,700% on his investment in Coca-Cola, winning 22.7 billion dollars.

How much did George Soros reportedly make from a single short bet?

George Soros made 1 billion dollars in one short bet.

What was Bill Ackman's profit from shorting US Treasury bonds over a three-month period?

Bill Ackman made 200 million dollars by shorting US Treasury bonds in 3 months.

What is the speaker's view on the necessity of capital for investment to achieve wealth?

The speaker believes that to become rich, one cannot rely solely on investing because you first need to have capital to invest.

What is the speaker's perspective on the common belief that high investment returns can lead to wealth?

The speaker suggests that even with high investment returns, a small initial capital will not be sufficient to make one wealthy, especially if they cannot afford to retire on such returns.

What is the long-term average rate of return for the S&P 500 index according to the speaker?

The long-term average rate of return for the S&P 500 index is about 9.9%.

How does the speaker describe the wealth accumulation of the rich through private companies and financial assets?

The speaker indicates that the largest source of assets for the rich is their private companies, with financial assets as a secondary investment. The bottom 50% of ordinary people hold very little in private companies or financial assets.

What is the speaker's opinion on the effectiveness of large active funds in capturing market trends over the past 15 years?

The speaker states that 90% of the returns of large active funds have underperformed compared to the S&P 500 market index, indicating that these funds have not been able to outperform the market.

What is the main source of wealth for the rich according to the research mentioned in the script?

The main source of wealth for the rich is their ownership of private companies, with financial assets as a secondary source of investment.

How does the speaker describe the wealth pyramid and its implications for financial freedom?

The wealth pyramid has rich tycoons at the top, financially free individuals in the middle, and ordinary people at the bottom with jobs but no freedom. The speaker suggests that achieving financial freedom is not just about investment but also about business and solving problems for others.

What is the speaker's advice on the first step towards financial freedom?

The speaker advises to start with understanding 'Why?' - the personal motivation and definition of financial freedom, as it varies from person to person and can change over time.

What is the '50, 30, 20 rule' mentioned by the speaker for financial management?

The '50, 30, 20 rule' suggests allocating 50% of income for necessities, 30% for savings, investment, or debt repayment, and 20% for discretionary spending such as leisure and entertainment.

How does the speaker suggest increasing one's income to achieve financial freedom?

The speaker suggests identifying and pursuing various ways to increase income, such as side jobs, entrepreneurship, promotions, or learning about investments and asset allocation.

What role does the speaker believe a positive circle of influence plays in achieving financial success?

The speaker believes that having a positive circle of influence, particularly being associated with wealthy individuals, can increase one's likelihood of participating in investments and savings, thus contributing to financial success.

What is the significance of the book 'Think and Grow Rich' in the speaker's perspective on achieving success?

The book 'Think and Grow Rich' is highlighted as it emphasizes that a strong desire to succeed is the starting point for many successful people, suggesting that having a burning ambition can be a driving force for achievement.

Outlines

00:00

💰 The Illusion of Quick Wealth and Reality of Capital Accumulation

This paragraph discusses the allure of the stock market through the success stories of Warren Buffett, George Soros, and Bill Ackman, but emphasizes that becoming wealthy isn't solely about investing. It clarifies that financial freedom requires initial capital and that even high-percentage returns on small investments won't lead to significant wealth. The speaker, a former banker, highlights the importance of understanding the time value of money and the risks associated with high-return investments. The paragraph also points out that most people are not adept at investing, as evidenced by the underperformance of active funds compared to the S&P 500 index. It concludes by suggesting that the wealth of the rich originates from their private companies rather than financial investments, and that becoming wealthy involves solving real-world problems through entrepreneurship.

05:00

💼 Achieving Financial Freedom: The Buffett Way and Personal Strategies

The second paragraph focuses on Warren Buffett's early financial independence and the strategies he used to accumulate wealth. It details Buffett's various money-making ventures from a young age, including newspaper delivery and entrepreneurial ventures, which allowed him to save a significant amount by the time he was 25. The speaker then outlines a three-step approach to financial freedom, starting with understanding one's 'Why' for seeking financial freedom, which is to determine the lifestyle and freedom one desires. The paragraph also touches on the importance of increasing income, reducing expenses, and setting realistic financial goals. It concludes by emphasizing the need for daily actions that align with one's financial aspirations, rather than just setting lofty goals.

10:01

📈 Practical Steps Toward Financial Freedom and the Role of Financial Literacy

In the final paragraph, the speaker provides practical advice on increasing income and achieving financial freedom. It introduces the 50/30/20 rule for budgeting, which allocates 50% of income for necessities, 30% for savings or debt repayment, and 20% for discretionary spending. The speaker encourages identifying ways to boost income, such as side jobs or promotions, and stresses the importance of learning and applying financial knowledge. The paragraph also discusses the impact of a positive financial circle, suggesting that associating with wealthy individuals can improve one's financial behavior. It concludes by differentiating between wanting and needing financial freedom and the importance of a strong desire for success, as well as the role of a good business management system like Odoo in improving efficiency and reducing paperwork.

Keywords

💡Investing

Investing refers to the act of allocating resources, typically money, with the expectation of generating income or profit. In the video's context, it is presented as a common path to wealth accumulation, exemplified by figures like Warren Buffett's investment in Coca-Cola. However, the script also emphasizes that investment alone is not a reliable method for becoming rich, as it requires initial capital and carries inherent risks.

💡Financial Freedom

Financial freedom is the state where one has enough savings or passive income to cover their living expenses without having to work actively for money. The video discusses this concept extensively, suggesting that it is a goal for many but is often misunderstood or unattainable through traditional investing alone. Warren Buffett's example is used to illustrate achieving financial freedom through a combination of smart investing and business acumen.

💡Capital

Capital, in an economic sense, refers to the funds or assets available for use in the production of goods and services. The script points out that having capital is a prerequisite for investment and that the amount of capital one has can significantly influence the potential for wealth accumulation, as small investments in high-return assets may not yield substantial profits due to the initial amount being low.

💡Compound Effect

The compound effect, also known as compound interest, is a concept in finance where earnings are repeatedly added to the initial investment, thus increasing the overall value over time. The video script mentions this in relation to Warren Buffett's early financial strategies, suggesting that consistent investment and the compound effect can lead to significant wealth over time.

💡Stock Market

The stock market is a platform where shares of publicly traded companies are bought and sold. The script references the stock market as a place where individuals can potentially make large profits, but also warns of the risks and the reality that most people are not adept at investing, often leading to underperformance compared to market indices.

💡Private Companies

Private companies are business entities that are not publicly traded on a stock exchange and are often owned by a small group of individuals or another private entity. The video suggests that the wealth of the rich is largely derived from their ownership in private companies rather than from financial investments, indicating a shift in perspective from public market investments to private business ownership.

💡Wealth Pyramid

The wealth pyramid is a conceptual model presented in the script to illustrate the distribution of wealth, with rich tycoons at the top and ordinary people at the bottom. It serves to emphasize the disparity in wealth and the different levels of financial freedom and job security that exist across society.

💡Passive Income

Passive income is income earned with little to no effort by the recipient, often as a result of investments or owning assets that generate earnings. The script briefly touches on the idea of creating passive income streams as a way to achieve financial freedom, suggesting alternative methods to traditional active employment or investing in the stock market.

💡Financial Literacy

Financial literacy refers to the knowledge and understanding of financial concepts and how to effectively manage personal finances. The video script points out that a significant portion of the world's population is financially illiterate, which can lead to poor financial decisions and hinder the achievement of financial freedom.

💡Odoo

Odoo is an open-source business management platform mentioned in the script as a sponsor. It is described as a tool that can integrate various business processes, helping small and medium-sized enterprises manage their operations more efficiently. The script uses Odoo as an example of a business management tool that can contribute to the success of a startup or business venture.

💡Entrepreneurship

Entrepreneurship is the process of designing, launching, and running a new business, which is often initially a small business. The script discusses entrepreneurship as a path to wealth creation, emphasizing the importance of learning, hard work, and the ability to solve problems as key components of successful entrepreneurship.

Highlights

Buffett made more than 1,700% by investing in Coke Company, winning 22.7 billion.

Financial tycoon Soros made 1 billion in one short bet.

Bill Ackman made 200 million by shorting US Treasury bonds in 3 months.

Stock god Buffett had already achieved financial freedom before founding Berkshire Hathaway and buying Coca-Cola shares.

Becoming rich cannot rely on investment alone, as you first need capital to invest.

Even with high annual returns, small capital investments like 10,000 yuan in Tesla or NVIDIA will not be enough to retire on.

The long-term average rate of return for the S&P500 index is about 9.9%, requiring 74 years to turn 10,000 yuan into 10 million Hong Kong dollars.

Pursuing ultra-high returns means bearing ultra-high risks, such as investing in high-growth start-ups.

The success probability of high-return companies is very difficult to predict in the long term.

Peter Lynch's long-term annual return is 29%, while Buffett's is 20%, both highly respected.

90% of large active funds have underperformed the S&P 500 market index over the past 15 years.

The largest source of assets for the rich is their private companies, with only 1% of the bottom 50% of ordinary people holding shares in private companies or financial assets.

To become the richest, one must rely on using their products or services and solving problems for others through business.

Odoo is a Belgian business management platform that integrates company business processes, helping small and medium-sized enterprises manage operations and data efficiently.

Becoming the top 1% depends on business success, which is not easy, but Buffett achieved financial freedom before owning Berkshire Hathaway.

Buffett had saved $120,000 by age 25, which he believed was enough to invest and live off the income, illustrating how to achieve financial freedom at a young age.

The first step to financial freedom is understanding why you want it and what it will cost, as everyone's motivation and price tag for freedom differ.

Increasing income, reducing expenses, and lowering the price tag of financial freedom are key strategies for achieving it, beyond just saving.

The 50/30/20 rule for financial management suggests allocating income to necessities, wants, and savings/debt repayment.

Finding ways to increase income, such as side jobs or promotions, and learning about investing and asset allocation, is crucial for financial growth.

Establishing a positive circle of influence with rich friends and mentors can improve one's financial knowledge and success.

Financial freedom requires a strong desire for success and learning from adversity, as many rich people are self-made.

Transcripts

Buffett made more than 1,700% by investing in Coke Company, winning 22.7 billion.

Financial tycoon Soros made 1 billion in one short bet.

Bill Ackman made 200 million by shorting US Treasury bonds in 3 months

! Watching so many people make big money , how can someone be tempted not to enter the market and play with both hands?

But as a former banker who has been in the U.S. stock and bond markets for 10 years, I

can tell you frankly that to be rich, you cannot actually rely on investing

. The fact is that stock god Buffett

had already achieved financial freedom before he founded Berkshire Hathaway and bought Coca-Cola shares.

Becoming a rich man cannot rely on investment, because first you need to have capital to invest. Even

if you buy Tesla, NVIDIA, with their highest annual return,

if you invest 10,000 yuan, Tesla will increase by 700% in a year, and NVIDIA will increase by 300% in a year.

Haha, talking about percentages, of course it is very impressive,

but if you have a small capital, it will not be enough to make money. Let you retire.

If you buy the S&P500 index of the US stock market, the long-term average rate of return is about 9.9%.

That means if you invest 10,000 yuan, calculating the 9.9% rate of return every year

means that it will take you about 74 years. If you save 10 million Hong Kong dollars

, that is to say, even if you start investing at the age of 15, you

will have to wait until the age of 89 to become a multimillionaire.

Of course, if you say you only have 10 years to retire, you

will have to wait until you are 89. 10,000 yuan turns into 10 million, and the annual return rate needs to be 100%.

If you want to pursue an ultra-high rate of return

, it means that you have to bear an ultra-high risk.

For a company with an annual return of 100%, you may have to Invest in some high-growth start-up companies

or you have an excellent vision and a good fortune. But

what is the probability of success for this type of company?

It is usually very difficult to predict, and basically no one can predict

it all the time in the long term. Even if you find a stock that continues to rise,

you are a legendary investor. Peter Lynch's long-term annual return is 29%.

Buffett, the stock god, has

a return rate of 20%. The whole world has stood up, bowed and clapped.

In addition, realistically To put it bluntly, people are actually very bad at investing.

In the past 15 years, 90% of the returns of large active funds that try to capture market trends

have underperformed

the so-called most professional fund managers such as the S&P 500 market index. , have done so many analyzes and reports

, but the returns cannot outperform the market index.

Then you may ask, where does the wealth of the rich come from if it is not investment?

Research points out that the largest source of assets for the rich , that is, their private companies

invest secondarily in financial assets

. Among the bottom 50% of ordinary people , only 1%

of the bottom 50% of ordinary people hold shares in private companies

or financial assets. People's investment ratio is also very small

, and this ratio will increase as their wealth increases .

The proportion invested in private companies and financial assets will also increase

. To become the richest person, you still have to rely on using their products or services.

To help solve the problems encountered by other people in the world

is simply to do business.

My RainIsHere channel is also a start-up.

As the owner of RainIsHere start-up,

in addition to making videos, I usually have to take care of all the big and small things in the company.

Project Manager,

Accountant,

Marketing,

Video Producer

, and Cleaning Aunt

, I wear so many roles, it really takes up a lot of my time.

Thank you Odoo for sponsoring today’s video.

Odoo is a business management platform based in Belgium.

They have their own platform. The development of more than 70 applications

can integrate the entire company's business processes in one go.

It helps small and medium-sized

enterprises such as us. The daily operational processes and data are all on the same platform,

making it easier to manage.

We don't have to worry about things being scattered around. We need to use a lot. I have just finished cleaning up my time

, so now I will save time to focus on making better quality videos.

Although there are many different applications on the platform, it

is very simple to use.

Each business function has a corresponding application to manage

it. Just install it according to your company's needs

. Of course, if you start a business 10 times, you will fail 9 times.

The 10th successful start-up company

may have failed 9 times before.

Becoming the top 1%

depends on business, but it is not easy.

However, the stock god Buffett

had already achieved financial freedom long

before he owned Berkshire Hathaway and his business before buying Coca-Cola shares.

This is the wealth pyramid.

The top of the wealth pyramid is rich tycoons

, then the financially free people,

and the bottom is the needs

of ordinary people. There is a job but no freedom.

Many novice investors are trying

to learn from stock gods and giants like Buffett,

hoping to become rich like them.

Of course, it is definitely valuable to absorb their investment principles

, but I think it is more important. The important thing is to understand how he started.

If you are 12 years old this year and want to play football,

of course you have to look at what Messi was doing when he was 12 years old

, not what his life is like now that he has become famous, right? ?

Buffett already had $9,800 in savings

after he graduated from college.

By the time he was 25, he had saved $120,000.

Adjusting for inflation, that is equal to 1.4 million today.

He believed that he only needed to invest $120,000 in his capital every year.

The income generated from it is 12,000 yuan

, which is enough for him and his wife to live.

He also told his wife

that this compound effect will ensure that we will become rich.

Buffett, who is in his 20s, has achieved financial freedom at a young age.

How is his money? How can I get it?

Buffett did not have the capital to invest

in Coke Company shares at the beginning

. On the contrary, he worked hard to earn back the money.

He delivered newspapers when he was a student

and started a business in high school

, including renting out some ammunition. Earn passive income from bead game consoles

. He would pick up some second-hand balls at the golf course,

clean them and sell them to golfers

. He also opened a car washing company

. After graduating from college, he worked as a securities analyst at Graham Newman.

The 25-year-old is definitely not a rich man

, but his story clearly tells us

how ordinary people can achieve financial freedom

. Therefore, the first goal of ordinary people should be

to achieve financial freedom like Buffett did when he was young,

which is to increase his own capital. Earn your first pot of gold

here. I want everyone to do us a favor

and subscribe to our channel.

Right now, only about 40% of our viewers have subscribed.

I hope this number can rise to 50%.

One of your subscriptions can definitely help RainIsHere go further.

Thank you for helping

more people.

Today I will show you

how to achieve financial freedom in three steps

. The first one is Start With Why.

Many people don’t know how much money is enough to buy their freedom.

I might casually say 10 million. , 50 million is enough, right?

I remember that when I was in my 20s,

the price tag I bought for my freedom was not very expensive,

because at that time I simply thought

that the freedom I wanted most was to be able to choose to work whenever I wanted.

You can do things with whomever you want

, but you don’t have to do nothing

, so my free price tag at that time was about 10,000 Hong Kong dollars per month.

As we age, many people’s burdens will increase,

so after some people are over 30 years old, the price tag may has risen sharply

, so we need to first know why I want this kind of financial freedom.

Without a clear goal

, it is difficult to plan what we will do next.

Everyone’s motivation for freedom is different.

Some people want to live in a big house

, and some people may want to live in a big house. Just say, no, do I want to travel around the country luxuriously

or do you want to be healthy

or have a lot of free time?

The things you think about when you are 20 and when you are 40 may be different.

If you just want To live a simple life,

you may only need 1 million

to move to Southeast Asia and

you will have freedom.

But if you want some very luxurious life

, you may need 50 million to be free,

so this financial freedom is not a rigid number.

There is no specific price tag

. Of course, if you are completely satisfied with your current life

and the job you are doing

You don’t need to choose financial freedom,

but at any stage of your life

you may face health problems

, economic deterioration, unemployment, etc.,

and you will suddenly want financial freedom again,

so you want to Things may change with your age

. The second step is

How?

If you are 35 years old

, even if you have an annual salary of 750,000

plus expenses and

can save 200,000 every year,

it will take 50 years to save 10 million.

Therefore, it is basically impossible for

ordinary people to achieve the goal of early financial freedom by relying on monthly savings alone

. Since a job cannot make you financially free,

what you can do are four things.

First, increase your income.

Second, reduce expenses.

Third . , significantly lower the price tag of your financial freedom

, or even give up financial freedom.

If you are not planning to give up financial freedom, if

you choose one, two, or three,

there are actually a lot of things for us to continue to do.

What is our next step

?

Of course . Of course I have experienced it myself,

whether it’s when I get up,

when I’m working,

when I’m taking a break, when

I’m in the car, when I

go to the toilet, when

I’m aimlessly scrolling on the phone

, in short,

isn’t it just those pages that I keep refreshing?

But my fingers seem to be addicted and

know it. It’s a waste of time.

It’s still like this every day

. But when you look back

, many people say that they don’t have time to read.

Ask yourself

, apart from your regular job,

what do you do

when you are off

work

? Do most people say

to travel

and make appointments ? When your friends

are shopping

and eating,

check the phone and see

how many people will actually read books or courses on financial freedom,

financial management, entrepreneurial investment, etc. in the 30 minutes of free time on

the phone

? Then look at your expenses to see

if you haven’t done it yet. Rich people

are already doing it.

What about buying things that only rich people will buy?

Goals like 10 million or 50 million

in themselves will not change your life.

What can change your life

is what you do every day.

Simply put,

how much do you spend working hard every day

? The goal that takes the most time

to help you achieve

is to continue doing the work you don’t want to do.

Although you want to be free

, even if you have free time, what you

do is not the way to achieve financial freedom

because you are not using your time to increase your income

or reduce your expenses

. Think about

what you do every day

that will bring you closer to your goal.

Conversely, you can also write down

how much time you waste every day

before doing something that is further away from your goal.

I have made many videos

introducing different methods of passive income

. If you are interested, you can take a look

. So what can we do?

The first rule of financial management

is this 50, 30, 20 rule.

50% of your income should be used for your necessities and

20% should be used for things you want,

including study or The remaining 30% for leisure and entertainment

is used for your savings

investment or to pay off your debt.

So how can you make more money?

You may say

it is not investment?

Buy stocks or buy a house?

Are there any other ways to increase my income ? What about your income?

As a wage earner, you have very little time

and you have to research stocks and real estate.

Or should you just watch YouTube

and get stock numbers online

and win with one bet?

In your limited time,

I would suggest you sit down and think about it. I want to

seriously write down

5 ways you can possibly increase your income.

The advantage of writing down is that

you can basically know immediately

what your shortcomings are

and give yourself some daily tasks that you can do

to make up for these shortcomings

. For example, An extra income is that

I want to do a side job.

If you are good at designing pictures,

you can put some templates of

your designed things on the platform

and sell them to earn extra income.

So your daily task is

to compare different platforms.

Research

, and I have to draw and design for 30 minutes every day.

Another way is

if I want to start a business, your daily task is

to take some entrepreneurial courses

, read some books about marketing,

participate in some industry activities

, get to know people in the industry, etc.

If you are If you want to increase your income

by getting promoted and adding labor

, your daily task is to work harder than others, strive for performance

, learn,

and strengthen your ability and competitiveness to do things.

If you want to invest in stocks

to earn passive income,

then your daily task is If you want to learn about investing,

learn about the market

, understand what asset allocation is, etc.

, or read some investment books, I

already have Rain’s book list

in the information column below

, or you can sign up for our

7 must-know books for Zhuzhu to become a professional investor. Study

for 30 minutes every day

, yes! Earn more , yes! The so-called making more money

is a skill in itself

, which means that you need to learn, practice

and take time

to not make a profit for nothing.

You may turn around and say

Rain again. Some mothers are women's things,

yes! It sounds like a very simple principle

, but the fact is that

many people in the world

are still unable to achieve this financial freedom.

According to S&P research,

two-thirds of people in the world

are actually so-called

Financial illiterate

. Illiterates

tend to have insufficient income, pay

credit cards, etc.

Another thing I think needs to be done

is to establish a positive circle of influence from friends.

This is a study on the impact of rich friends

on ordinary people's finances.

If you know 10% more of these rich people My friend,

the possibility of you participating in this stock market investment will increase

, and your participation in savings will also increase.

About 1.5% of people in the world

are multi-millionaires.

It is unfair that they own nearly half of the world's wealth

!

You may They say they are unscrupulous

vampires

who have taken over so much wealth in the world

, but the fact is that

80% of these rich people

are actually self-made.

I am not calling you here

! If I want to find a circle of rich people,

I won’t look for the ones before. Friends,

the key point here is

not to hate rich people,

try to get to know them more

and learn their thinking about work and money.

Finding a rich person to be a mentor

is also a good start.

Do you want financial freedom

or do you need financial freedom? What?

They are two different things in themselves

, so I always

thank myself

for coming from a humble background

. Well,

that’s what the saying goes.

Money can't buy a poor boy,

right?

Haha ,

so being in adversity

is actually a big driving force for me.

You don't need a rich dad

to be successful.

Think and Grow Rich

is one of my favorite books. It also

points out that

the way to success begins with

a strong desire to succeed

, which means that many successful people

actually rely on a big fire in their hearts,

but a life that is too comfortable and mediocre

will only make you a mediocre person

. I definitely don’t think financial freedom

is an easy road.

I hope the Why?

How?

and What?

I just gave you

can help you

. I am working very hard to run RainIsHere, and I

often end up very late

in building my own business. Sometimes

you have to kick

everything as if it's none of your business,

so a good business management system

like Odoo

can improve your work efficiency

and reduce the burden of paperwork on your colleagues.

If you are interested,

you can click on the link below.

Use it for free for 15 days

or talk to an Odoo expert directly