My unfiltered advice to someone who wants financial freedom
Summary
TLDRThe speaker, an immigrant who achieved financial freedom by quitting a high-paying job at Google, emphasizes the importance of understanding one's true motivations for seeking financial independence. They discuss the significance of having an 'abundance mentality' and setting clear, personalized financial goals. The script outlines steps for financial success, including budgeting with the 50/30/20 rule, educating oneself on investing, and the value of diversification. Personal anecdotes and book recommendations are provided to inspire and guide listeners on their journey towards financial freedom.
Takeaways
- 🌟 The speaker emphasizes the importance of not just financial freedom but also location and time freedom, which allows for the flexibility to work from anywhere and take time off as desired.
- 💼 Leaving a high-paying job at Google was a step towards achieving total freedom, which for the speaker, was more valuable than the financial stability the job provided.
- 🤔 The speaker prompts others to consider why they want financial freedom, suggesting that it's not just about money but about the life goals and aspirations one wants to fulfill.
- 🏡 The cost of living varies greatly by location, affecting what financial freedom means to different people. For instance, in Brazil, a significantly lower income might provide a comfortable lifestyle compared to cities like New York or San Francisco.
- 💭 The speaker suggests focusing on solutions and goals rather than problems, such as a low bank account balance or a disliked job, to work towards financial freedom.
- 💰 The speaker introduces the L.I.F.E. framework to determine financial freedom: Location costs, Individual lifestyle, Financial career goals, and End goals, which help in understanding one's true financial needs.
- 🚫 Avoiding a poverty mindset is crucial; the speaker advocates for an abundance mentality, believing in the possibility of financial success and opportunities.
- 📈 The speaker recommends starting with small investments to learn and grow, emphasizing the importance of education and understanding of investments over luck.
- 🔄 The importance of diversifying investments is highlighted to balance risk and reward, suggesting a spread across stocks, crypto, and real estate.
- 📚 Continuous learning and self-improvement are key to becoming a smart investor, with the speaker recommending books, podcasts, and courses to educate oneself on financial matters.
Q & A
What was the speaker's primary reason for quitting their high-paying job at Google?
-The speaker desired not just financial freedom, but also location and time freedom, allowing them to work from anywhere, live anywhere, and take time off whenever they wanted.
Why did the speaker emphasize the importance of understanding one's 'why' for seeking financial freedom?
-Understanding one's 'why' helps clarify personal goals and motivations, which is essential for creating a solid plan towards financial freedom and avoiding the trap of setting arbitrary financial goals.
What is the significance of the acronym 'LIFE' in the context of the speaker's discussion on financial freedom?
-LIFE is an acronym the speaker uses to outline the key components to consider when planning for financial freedom: Location costs, Individual lifestyle, Financial career goals, and End goals.
How does the speaker define a poverty mindset, and why is it detrimental to achieving financial freedom?
-A poverty mindset is a belief system where one thinks they will never have enough money, that getting ahead is too difficult, and that financial freedom is unattainable. It is detrimental because it prevents individuals from believing in their ability to achieve financial success.
What is the '50/30/20 rule' the speaker suggests for budgeting, and why is it important?
-The '50/30/20 rule' is a budgeting guideline where 50% of income goes to necessities, 30% to personal expenses, and 20% to savings and debt repayment. It's important because it helps allocate funds effectively and ensures a balance between current needs and future financial security.
What role does the speaker believe community plays in developing a successful financial mindset?
-The speaker believes community plays a crucial role by providing a supportive environment of like-minded individuals who can inspire, motivate, and help each other in their financial journeys.
Why does the speaker recommend starting to invest early, and what benefits does it offer?
-The speaker recommends starting to invest early because it allows more time for compound interest to work in one's favor, leading to higher returns over time, especially for younger investors.
What are the three types of investments the speaker focused on, and why is diversification important?
-The three types of investments the speaker focused on are stocks, crypto, and real estate. Diversification is important because it spreads risk across different types of assets, balancing potential gains and losses.
How does the speaker suggest approaching the learning process for financial education?
-The speaker suggests approaching financial education by reading books, taking courses, following financial news, and making learning a daily habit, emphasizing the importance of continuous self-improvement.
What is the significance of the mindset shift the speaker talks about, and how does it relate to achieving financial freedom?
-The mindset shift is significant because it involves moving from a scarcity mindset to an abundance mentality, which is crucial for believing in one's ability to achieve financial freedom and taking the necessary steps towards it.
Outlines
🌐 Pursuing Financial Freedom Beyond Just Money
The speaker, an immigrant who moved to the US as a teenager, shares their journey to financial freedom, emphasizing it's not just about money but also about location and time freedom. They left a high-paying job at Google to be their own boss and work from anywhere. The speaker discusses the importance of understanding why one wants financial freedom and the different motivations people have for it. They use a friend's story to illustrate the need to focus on goals rather than problems and the varying definitions of financial freedom, which can range from quitting a job to being able to afford a private jet.
💼 The Illusion of Numeric Goals in Financial Freedom
The speaker explains that financial freedom is not about reaching a specific salary but about the life one wants to live. They introduce the 'LIFE' method to determine financial freedom: Location costs, Individual lifestyle, Financial career goals, and End goals. They discuss how living in different places affects the cost of living and how personal lifestyle choices can impact financial needs. The speaker emphasizes the importance of understanding one's true financial goals before setting a numeric income target.
💡 Shifting Mindset from Poverty to Abundance
The speaker talks about the importance of mindset in achieving financial freedom, contrasting a poverty mindset with an abundance mindset. They share their personal experience of growing up with limited means but not feeling poor due to their positive outlook. The speaker encourages consuming success stories, surrounding oneself with ambitious people, and practicing gratitude to develop a financial mindset that believes in opportunities and personal capability to seize them.
💰 Budgeting and Investing: Keys to Financial Freedom
The speaker outlines the importance of budgeting as a foundational step towards financial freedom, advocating the 50/30/20 rule for income allocation. They discuss the need to save and invest to combat inflation and the decreasing purchasing power of money. The speaker shares their personal investment journey, starting with small amounts and learning about different investment types like stocks, crypto, and real estate. They stress the importance of education in investing, starting early, and diversifying investments to balance risk and reward.
📚 Continuous Learning and Personal Presentation for Wealth Creation
The speaker emphasizes the importance of continuous learning through books, podcasts, and courses to upgrade one's financial knowledge and skills. They recommend specific books that have influenced their financial thinking and habits. Additionally, the speaker points out that personal presentation can impact income, suggesting that looking one's best can boost confidence and earning potential, and directs viewers to a related video for further insights.
Mindmap
Keywords
💡Financial Freedom
💡Location and Time Freedom
💡Mindset Shift
💡Budgeting
💡Investing
💡Compound Interest
💡Diversification
💡Inflation
💡Gratitude
💡Abundance Mentality
💡Wealth Creation
Highlights
An immigrant's journey to financial freedom despite starting with no savings, English proficiency, or understanding of the US.
Quitting a high-paying job at Google to achieve location and time freedom.
The importance of knowing why you want financial freedom beyond just the financial aspect.
Different motivations for financial freedom, such as spending more time with family or working on meaningful projects.
The exercise of focusing on solutions rather than problems for achieving financial goals.
Defining financial freedom in terms of one's desired lifestyle and goals, not just a numeric income target.
The significance of location costs in determining financial freedom and the 30% income-to-rent rule.
How individual lifestyle choices impact the amount needed for financial freedom.
The impact of financial career goals on the path to financial freedom, such as early retirement plans.
Long-term life goals and personal ambitions as part of the financial freedom equation.
The importance of mindset shift from poverty mindset to abundance mentality for financial success.
The role of community and surrounding oneself with ambitious people in developing a financial mindset.
Practicing gratitude as a tool for maintaining a positive outlook and achieving financial goals.
The necessity of budgeting as a foundational step towards financial freedom.
The 50/30/20 rule for efficient budgeting: necessities, personal expenses, and savings.
The importance of starting to invest early to take advantage of compound interest.
Different types of investments to consider: stocks, crypto, and real estate.
The balance between risk and reward in investing and the importance of diversification.
Resources for learning about wealth creation and personal finance, including book recommendations.
The impact of personal appearance on income and the importance of presenting well.
Transcripts
for an immigrant like me who came to the
us as a teenager with my family with no
savings no knowledge of the English
language and no idea what I was getting
into becoming financially free just
doesn't seem possible so it always
surprises people when they find out that
I quit a sixf fig full-time job at
Google in my 20s to work for myself and
Achieve Financial Freedom around that
same time now what I wanted wasn't just
Financial Freedom I was getting paid
well at Google so my finances at that
point they were fine six figures stock
options the best health insurance and
benefits they even paid for my travel
and education so I could have stayed
there for a while and I could have just
saved up the reason why I quit what to
most people is a dream job is because I
wanted location and time freedom on top
of Financial Freedom I wanted to be able
to work from anywhere I wanted to travel
live anywhere I want and I wanted to be
able to take time off whenever I felt
like if I want to work 2 days a week I
can make that happen I'm My Own Boss I
make my own schedule I wanted total
freedom and that's why I worked really
hard towards becoming financially free
so when people tell me Alex I want to do
it too I want to be financially free
free like you I always ask why why do
you want to be financially free and it
seems like a dumb question right who
doesn't want to be financially free but
the truth is most people give me
different answers just a few days ago
one of my friends was visiting me and he
told me that he was sick of working he
wants to be financially free so
naturally I ask him why he says he hates
his job doesn't get enough days off so
he feels stuck going into the office
every day and then he said he's not
getting paid well he gets paid just
enough to cover his bills and have a
little left over for his social life so
he's he's not saving any money right now
he's 29 years old by the way so I think
he's really feeling that pressure of
turning 30 which is totally normal so I
asked him the same question one more
time why do you want Financial Freedom
because you've only told me the reason
why you hate your job not why you
actually want to be financially free so
he takes a few seconds to think about it
and then he finally told me that he
wants to spend more time with his family
who lives in Texas he lives in
California he wants to have a savings
account with enough funds to feel safe
because he wants to have his own family
soon and is scared that he won't be able
to provide for his family as a man by
the way that's really scary he wants to
work on meaningful things instead of
wasting time working miserable jobs that
don't really fulfill him and that is a
much better answer now we know what he's
looking for what his goals are instead
of the problem which is the job that he
hates now I like doing this exercise for
everything in my life a lot of times we
focus on the problem because that's all
we can see the bank account with low
funds the job that you don't like the
apartment with no air conditioning or
the relationship that you're in that
doesn't bring you Joy anymore those are
the problems right but I like to focus
on the solution what's the solution what
are your goals and so if you're someone
who wants Financial Freedom I ask you
why what are your goals everyone has
different motivations for Financial
Freedom and not only that everyone has
different definitions for Financial
Freedom too so what does it mean to you
does it mean being able to quit your job
or go part-time do you want to own a
house that's fully paid off do you want
to be able to give money to charity do
you want to be able to fly business
class every time you get on a plane or
do you want to fly private jets or maybe
you want to be able to hire a Chef or a
full-time assistant or babysitter to
free up your time so that you can spend
more time with your friends you need to
know why you need to visualize what you
want out of this only then will you be
able to create a plan because if you're
not sure of the goal you can't make a
solid plan and that means that you
should also know how much you need to
achieve that goal right because like I
told you I grew up in Brazil right if I
was making $55,000 a month in Brazil I
would be very well off that's about
27,000 hiis which is our Brazilian
currency and that goes really far there
I could own a big house drive a nice car
eat at great restaurants every week
invest money every month it's a lot of
money to put into perspective the top 1%
in Brazil you only need to make 20,000
hi a month to be in the top 1% so side
note if you get a remote job that pays
you 5 grand a month in USD Brazil might
be a good option for you but if you make
5 grand a month in Los Angeles Miami or
especially San Francisco or New York
City you're in trouble the average
monthly rental price for a studio apart
in New York is
$3,590 there's barely anything left over
and we won't even get into income tax
deductions and all that right so in
those places Financial Freedom is more
like making 20 $330,000 a month and even
then there are levels to this I have
friends in my building paying $30,000 a
month for a three-bedroom apartment this
is where a lot of people go wrong they
start by thinking their goal is to make
$100,000 a year but really that's just a
random number that looks good it's round
right but it's a madeup goal and it's
funny because today you might think that
a $100,000 salary is amazing but usually
as soon as you hit that goal you're
going to want more and you're going to
say well 100 isn't really enough because
I upgraded my apartment I have a
girlfriend now and she likes to travel
all of a sudden your expenses go up
because you're making more so you want
to make even more now now you're making
100K which was your goal initially and
you're still not financially free and
you think you need to make 150k to get
there but the same thing will happen
when you make that extra 50k I guarantee
you $100,000 a year won't seem like a
lot when you get there so you're going
to want more I remember when I got a job
I was making 5,000 a month at the time I
thought it was insane I felt so rich and
honestly within a few months of making
that money I wanted to make more what
happens is you end up realizing that
it's not about the number the amount
it's about the life you want to live the
feeling you get from being financially
free so instead of giving yourself a
numeric goal first like you know
$100,000 a year think of the feeling
that you want the life that you want to
live before you just randomly pick a
number for your dream income that will
finally make you financially free stop
and go through what I call
L life L is for location costs where you
live you need to consider the cost of
living in your specific area or in the
area that you want to live in I is for
your individual lifestyle this is your
desired lifestyle including you know
your car preferences like your shopping
you know restaurant Hobbies vacation
habits F is for financial career goals
so you have to decide if early
retirement is your goal how many hours a
week you want to work you know what kind
of work you want to do if any and E is
for your end goals so your long-term
life goals personal Ambitions like
starting a family big passion projects
that you want to pursue or maybe
supporting your friends and family
financially once you have those answers
then you can work backwards and figure
out how much you need in order to feel
financially free this is the new number
and it's now in line with your dream
life and and Financial Freedom right
instead of just a madeup number that
just sounds good like oh I need 100K a
year or I need a million in my bank
account so let's start with L location
costs if you want to be financially free
in a big city like LA or New York City
your cost of living is going to be high
right your rent let's say is $5,000 a
month which by the way that's just like
a one-bedroom like a nicer one-bedroom
apartment in New York City you should
aim to make at least
$200,000 a year to follow the golden
rule of rent costing 30% of your income
if you want to be financially free in a
small town and rents let's say 2500 then
your cost of living goes down so your
salary should be at least $100,000 a
year which follows the 30% of your
income for rent rule then we move on to
your individual lifestyle so your
spending habits and preferences in New
York City you're not going to need a car
which is great so you're saving a little
bit there but you're going to spend on
Ubers let's say right each ride is going
to be an average of $30 both ways that's
$60 let's say only three times a week
which is not a lot that's $180 per week
$720 per month if you like going out to
eat once a week good restaurants are not
cheap in the city you're going to spend
around $200 per dinner for two people so
that's $800 a month if you're going out
once a week just those expenses at up to
$78,200 then we add on supplies fund
spending on shopping let's say two
vacations a year that sounds nice your
$200,000 salary doesn't seem like much
anymore and if you have Financial career
goals to retire early guess what you
have to save you have to invest so
there's a lot more that you need to do
in order to to achieve your goal of
being financially free and last but not
least your end goals starting a family
passion projects helping out your family
financially your salary honestly it just
evaporates like this I just want to be
real with you because being financially
free isn't coming up with a round number
in your head like a million in the bank
100,000 a year you have to know what
kind of life you want then you start to
work backwards to achieve that goal so
many people make that mistake in the
very beginning and it's the reason why
they get lost along the way and if you
want to have enough money to live a
urious life with no care in the world no
looking at prices before you buy things
no checking your bank account every day
to make sure that you you know have
enough money to pay rent or go to a
restaurant or maybe go to a vacation if
that's what you want and I know a lot of
you do then here's what I recommend you
do step one is you need a mindset shift
look when I moved to the US it was the
first time that I realized that my
family didn't have money you know my
friends at school they wee nice clothes
I wear clothes from yard sales or in a
good day I would wear clothes from a
sale from a discount store which you
know they would sell like slightly
defective items but from good brands so
that was like I was so happy when I
could buy that my friend's parents they
drove nice cars car brands that I had
never even heard of we bought a car for
$500 so that we could get around they
bought extra food at the cafeteria every
lunch every breakfast I couldn't afford
that I got free lunch from the
government and I never spent a dollar
extra because I didn't want to burden my
parents with more bills now most people
in that situation either get jealous and
frustrated because others have what they
don't or they just feel bad for
themselves right they become depressed
they become unmotivated they kind of
just cave in I don't know why but I was
different seeing what was possible
seeing those cool cars the good food the
nice clothes the smile on their faces
man the way that my rich friends were
just happy right with not a care in the
world it fired me up I didn't know it at
the time but I learned years later that
thankfully even though I was technically
poor I didn't have what's called a
poverty mindset a poverty mindset is
when you believe you will never have
enough money that getting ahead is way
too difficult or that Financial Freedom
is just a fake dream people who are
stuck in this mindset believe they will
never make enough money to go on nice
trips to buy nice things to have a fat
savings account or an investment account
something that I've noticed too is that
people with a poverty mindset they tend
to hate people who make a high income
they call them cheaters they get upset
when they find out how much luxury items
cost and they act as if they would never
spend that much on a car or a watch or a
house as if they will ever get there
with that mindset they won't unless you
change your mindset you will never
believe that you can achieve it how
would you achieve something if you don't
even believe it yourself so you have to
rewire your brain you have to change
your thoughts your outlook on the world
and it starts with developing an
abundance mentality an abundance mindset
which means believing there are plenty
of opportunities out there and that you
are capable of seizing them that's why
you need to Sur round yourself with the
right people it's so important it's the
reason why I started an exclusive
Community for men who want to reach that
next level and by the way it's free to
join all right we have over 2,000
members and we're opening up another 500
spots this month but we only accept
members who are serious we're committed
to look better to earn more to elevate
themselves it's also first come first a
serve so if you want to join Men's image
lab for free hit the link in the
description below and let us know why
you want to be a part of our community
look Community is important and there
are three things that I found that have
the most impact on developing the right
Financial mindset one is consuming
success stories I started watching
videos TV shows reading books about
people who came from nothing and made it
big right and and it showed me that it's
possible right I wasn't watching fiction
things I was watching non-fiction I was
watching real stories right a couple of
months ago I met and shot a video with
Kevin oer if that immigrant kid from
Brazil at age 15 could see into the
future I think he would have a hard
attack sure I didn't have a poverty
mindset but I definitely didn't think
that anything that I've achieved today
was even possible possible back then
mostly because I didn't even know that
you could buy a watch for more than
$11,000 right $11,000 to me was so
foreign flying business class or private
I I didn't even know what that meant so
you have to learn what it means you have
to see that it's ahead of you that it's
it's palpable it's reachable the second
thing is you need to surround yourself
with ambitious people I started hanging
out with people who had Big Dreams and
were working towards these dreams their
energy was contagious right it made me
want to work harder to build the life
that I wanted instead of just dreaming
about it that's one of the biggest
reasons why I created Men's image lab
and number three you have to practice
gratitude I know it sounds like Kumbaya
whatever but it's so true man every week
I I like to write down three things that
I'm grateful for it keeps me grounded it
makes me happy you know when you have a
busy schedule you tend to kind of forget
right you don't really look back you
don't have time to look back and see all
the things that you've accomplished
whether they're big or small so be
grateful if you started a new job if you
learned a new skill if you made
advancements into your career or if you
made a new friend you know those are all
things that should make you proud that
feeling that Pride feeling grateful it
snowballs into more actions into more
WIS consistently doing these three
things will open your eyes to what's
actually truly possible but changing
your mindset that's just the first step
once you have that abundance mentality
you need to know what to do with it and
step two is something that I wish I
mastered way earlier in fact most people
start this step way too late in their
lives you need to budget it's not the
sexiest topic right but this is the
foundation that's going to set you up
for all the other steps for example when
I started working at Domino's Pizza at
14 years old I was making like $200 per
paycheck right and I remember for months
I would just save half of that if I
could $100 each time and eventually I
saved enough to buy my first car it was
a green 1995 VW Jetta I loved it I was
so proud of that car and saving up to
buy that car taught me a lesson to
always think about the future right
think about a goal and to not spend all
your cash cash right away on dumb things
my car cost less than $2,000 I saved for
a long time I could have blown all of
that money on closed very easily over
that period of you know a year that it
took for me to save that money so
spending less and saving your cash is a
necessity if you want to be financially
free according to a recent survey
actually 27% of American adults have no
emergency savings at all and another 28%
have less than $1,000 save that means
that over 50% of Americans are just one
unexpected expense away from financial
trouble from debt don't become a part of
that statistic I actually recommend you
follow a very simple easy rule to get
started 50 3020 rule if you want to
budget efficiently it's really simple
50% of your income goes to your
Necessities housing food utilities
things that you need to survive number
two then 30% goes to your personal
expenses you know the fun things like
clothes entertainment whatever makes you
happy the final 20% goes straight into
your savings and any debt repayment so
if you stick to this you're going to
start seeing a difference in your bank
account within a few months if not a few
weeks so you need to realize that
budgeting is not just about restricting
yourself right it sounds so boring it
sounds so frustrating to have to budget
to restrict myself it's actually about
giving yourself the freedom to spend on
what matters to you later on like my car
without guilt it's about taking control
of your money instead of letting it
control you so many people are
controlled by their income you have to
control your income and if you're only
making enough to cover your bill
no amount is too small to save start
wherever you can and then go from there
you want to focus on building The Habit
right building that muscle not just
chasing a savings amount like you have
to actually every month save a little
bit whatever you can but to become truly
wealthy the truth is like you know
savings they can only take you so far
this is because most savings account
they give you such low return in simple
terms the purchasing power of your money
is like actually decreasing over time
because of inflation so it's like having
a bucket with a little hole in it right
you're putting money in there but it's
slowly leaking and you're not even
realizing that so that's why step three
is one of the most important steps that
you can take and that is educating
yourself about investing look I'm no
financial advisor by any means all right
I had to learn it by myself I figured it
out I have a team now so I learn from my
team and I'm just passing on what I've
learned and the earlier you start the
better younger investors people in their
30s or below they actually earn about
15% higher returns when compared to
older investors and this is just because
they started earlier because they have
more time for compound interest to take
effect when I first started I was
terrified of losing money I was so
scared so I started small I worked I've
always worked really hard but when I was
younger I had no money to lose you know
so anything I put into my savings into
my investments I thought I cannot lose
this this is this is all I got you know
so I started as small as I could and I
would use apps like Robin Hood for
stocks coinbase for crypto and I just
got a feel for it you know just trying
to understand how things work and that's
okay starting small and investing
consistently over time is way better
than not starting at all so let's break
down three types of Investments that I
focused on the first is of course the
stock market this is usually where
people start you can buy individual
company stocks just don't spend all your
money on a specific stock because your
friend told you that it's going to blow
up all right make sure that you study it
consult with a professional if you can
or you might lose your investment crypto
is the second one and as you know this
is even more volatile right it's
exciting it's cool but it's risky
anything that's exciting like that tends
to be a little riskier so I started with
very small amounts on coin based and I
learned as I went three is real estate
which is obviously a great way to just
diversify your Investments one thing I
want to say is that there's always a
trade-off between risk and reward
generally speaking Investments with
higher potential returns like crypto for
example have higher risks lower risk
Investments like bonds or index funds
you know typically they offer less
returns but with less volatility I
started small I learned as much as I
could along the way and over time I got
more comfortable I started to Branch out
now I have invested Ms in stocks crypto
I own properties in La Miami I've done a
lot of Angel investments in startups and
I've even invested a ton of cash into
starting my own businesses which I know
will pay off in the end but I just want
to remind you again this didn't happen
overnight it took time a lot of research
tons of learning lot of mistakes so
that's why it's important to start early
so that you can learn and apply it as
you get older anyone can make money with
a lucky invest but the key is actually
to become a smart investor not just a
lucky one read books take courses follow
financial news it might seem a little
overwhelming at first but trust me it
gets easier and it's totally worth it I
I love it I nerd out on that stuff I
like checking what's going on on Zillow
checking the prices of properties around
me I think it's fun also remember that
diversification is crucial diversify
your portfolio don't put all your money
all your Investments all your eggs into
one basket spread your investment across
different types of assets balance out
the risk and always think longterm the
stock market it's going to go up but
it's also going to go down historically
it's always trended upwards over long
periods of time like I said I'm not a
financial adviser and what worked for me
might not work for everyone so always do
your own research and obviously consider
talking to a professional before you're
making any big financial decisions if
you want to know what resources that
have helped me the most you should
definitely check out these books I think
this would be super helpful if you want
to write these down or I'll probably
just list them Below in the description
to make it easy for you but I really
like the millionaire fast lane by MJ
Demarco this one completely changed how
I think about wealth creation really
like this book called $100 million
offers by Alex hosi if you want to know
how to create amazing offers this is
like the Bible for creating offers Rich
Dad Poor Dad was probably the first ever
Financial book that I've read it's by
Robert kosaki it's a classic and it's
going to shift your whole perspective on
money a lot of people on this book but
honestly it's a really good way to start
the obstacle is the way by Ryan holiday
it's not a financial book but it's a
book that will turn challenges into
opportunity never split the difference
it's by Chris Voss and he covers
negotiation skills that they're going to
serve you not just in business but in
life overall so highly recommend that
one too The Power of Habit by Charles
dug and grit by Angela Duckworth this
book really taught me the importance of
discipline the importance of
perseverance and achieving long-term
goals but don't stop just the books you
know dive into podcasts YouTube channels
online courses whatever works for you
the key is to make learning a daily
habit just keep upgrading yourself it's
like you're getting an upgrade every
single day like a software upgrade so
you're better and better and better and
you know what's Wild according to
research the way you look has an impact
on your income so if you want to make a
higher income you have to present well
you have to look your best so check out
this video right here on how to look
your best to boost your income your
confidence and to finally have the looks
that you've always wanted
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