How a Regular Guy, Born into a Poor Family, Went from DEAD BROKE to Accumulating SIX FIGURES Worth of Assets… All While Working His Day Job!
Like most young Americans, I started working low-wage jobs as a teenager and earned a measly income. Because of poor money-management skills, I just couldn’t get ahead. I splurged and squandered any amount of money I made.
When I turned 18 and received my first credit card, I maxed it out buying frivolous things. That, of course, led to overwhelming credit card debt. Also, my checking account was often overdrawn.
Although I couldn’t help feeling like a total failure, I refused to accept the idea that I would die poor.
Then, out of the blue, came Flori.
When I was 24, I met an incredibly wonderful woman, and two years later we got married. Because of my great love for Flori, I was more determined than ever to move up financially. I had to make it… and make it big!
We struggled financially at first. I waited tables, earning a paltry salary that was barely above America’s poverty line. Life was strictly paycheck to paycheck.
I felt I was destined for something better–much better–in life.
The uncertainties of life worried me. I didn’t qualify for the better-paying jobs because I lacked the skills and higher education.
I couldn’t accept this as my fate. I wanted to break the cycle of financial hardship that my family was mired in. Add to that how much I valued my marriage with Flori. I’d be totally ashamed if we had to go through a divorce.
Without doubt, my personal financial habits had to change–big time!
But how to start?
I had no idea so I just began studying wealthy 19th-century American tycoons such as John D. Rockefeller, JP Morgan, Andrew Carnegie, and Cornelius Vanderbilt. It amazed me to learn that 3 of these ultra-rich men came from very humble beginnings like my own.
I immersed myself in their biographies. I tried to understand the correlation between their behavior and their wealth. And I made a profound discovery.
John D Rockefeller didn’t just pinch pennies.
He recorded each one.
I learned that John D. Rockefeller kept a notebook that recorded every transaction he has ever made–every single cent he spent and what he spent it on… throughout his entire life!
I believe this was the key attribute to Mr. Rockefeller’s enormous financial success.
I realized I needed to implement this habit into my own life. So I immediately started to track every expense, down to the last cent!
My life changed almost instantly.
Right from the start, the effects were amazing. I became much more consciously aware of myself and my identity. It led me on a path of self-discovery.
I learned more about my habits because I knew exactly where I was spending my money. I stopped buying frivolous items I didn’t need.
At that moment, I realized that I’d unlocked the secret of the wealthiest people in the world. I was fully EMPOWERED and had complete control of my money.
My hunger to keep learning grew by the day.
I began to study more and more about personal finance to the point of obsession. I took a personal finance class. I read many books from personal finance experts and applied all the knowledge to my personal life.
Bottom line: I was no longer stressed out about money. I simply viewed it as a useful resource in my life. At this moment I knew that I would become rich. Mastery of my money would allow me to focus on improving other aspects of my life, such as my health and career.
In doing so, I was able to land my dream job. I now earn an excellent salary in a career I enjoy. The money continues to flow in, and I consciously control where it flows out.
Now in my early 30’s, I’m on the path
to building wealth on a strong, consistent basis.
I created a great money management system that automatically saves and invests in the stock market for me. I have multiple streams of income from rental properties as well as from my day job. Best of all, this system runs on autopilot! I only have to monitor it from time to time.
Today a lot of my free time is spent traveling and learning about the world around me. Flori and I couldn’t be happier! (“Happy Wife/Happy Life!”)
Needless to say, I continue to study as much as I can about personal finance because there’s always something new to learn.
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I feel a very strong need to give back to the world, so this blog is my way of sharing my knowledge to the people who seek it. There are many paths to financial success. All I can do is show people the path I follow and how much it benefits me. I’m totally confident that it will work for you, too!
I love hearing from people, so please reach out to me if you have any questions or comments.
Thanks for reading!