Wednesday, November 28, 2012

Why Does The Wealthy Have More Money Than the MiddleClass? The gap is often due to the mind set of the rich.




 I am a financial coach, marketing consultant, and blogger; I am trying to answer the question why does the rich seem to have more money? I am a former student that went to one of the best University in the world, had some of the best-educated professors attending the best university in the world! But, I was stuck in an entry-level job, struggling to pay my bills, going through a divorce, lost my job, even been sued! I was in a horrible state of mind, and bad news came after bad news. What should someone do? I say, come back fighting and swing!

Was the universe out to get me? Or was the universe trying to help me in reach of my full potential? The universe has a master plan for me, and the only way for me to improve myself and my life was to give me one h-ll of a jolt in the backside! In fact, I need this jolt to get me moving and thinking on the second stage of my life. The new me or the version of myself that universe intended was going to use my current knowledge and gain new knowledge to help others.

I was sick: always tired, no energy, little motivation, it was hard to focus; I was on a mission to find the cure. I started to find books on at my local library, one titled Natural Cures, and I tried to detoxify my body.  It did not work for me. Next, I started to read books on financial planning, including money management, debt management, and investing. I came across a book by Robert Kiyosaki,
from his book Rich Dad Poor Dad. He introduced me to two other books the Richest man in Babylon and Think and Grow Rich, to me this cornerstone for my change.

After reading the Richest Man in Babylon, it caused me to have internal conflicts, from a line in the book “Are you a free man or slave!” I stated I am a free man! I had to let go of the fear of letting my credit rating take a  hit. The powers to make you think you’re only good as your credit report? I think this is not a true milestone of a person, but how one manages their hardship that life brings their way. I was in conflict if I shouldn’t pay some of my bills to rather invest the funds in the stock market after the American bank stock market crash? This is a personal decision, but, I felt that the universe would punish me if I had the money to pay my bills but the choice to not pay them. I felt these both immoral and not reasonable.  Now, if one didn't have the money to pay their bills due to no fault of their own, the credit bureau will hit me. But, not the universe. I feel the universe; holds the ultimate authority in my life and not the government or credit bureaus.

Can you image, I was losing sleep, stressing over, getting anxiety issue from an artificially created numbering system? Oh boy, wasn’t I a big fool! I now can look back and laugh at my behavior! Who need chains, if society can be in slave you with a number! I am not saying you shouldn’t pay your bills, or not to work hard to pay your bills. But, only say stop stressing over the little things. 

The second book Think and Grow Rich by the late Napoleon Hill, this book introduced the idea nothing is impossible if you put your mind to it. If you have the passion, burning desire and commitment. Nothing is impossible if you believe it can be done! The trick is, if you can’t see yourself in life or career being able to do what you desiring, you will fail, even before you get started. Napoleon Hill believed that your mind has great power, and through the right reprogramming, you can do anything. Now, the trick is to think positive about yourself and others. Do not say negative thought like, I am stupid, dumb or anything like that. You need to say positive things about yourself, I am a great person, I am a smart person, I am perfect,  and I can do anything I set my mind to do!

Some of the techniques that Napoleon Hill has employed was to have a positive affirmation “I am making $200,000 per year in a job that I love by specific date”, or “I have found my perfect mate give a detailed description of this person attributions by a  date” The opportunities will come to you if you say this out loud once in the morning and again before you go to bed. When in bed, think of you having a relationship with his perfect person, or working the perfect job.

It may take some time, but over time you will be reprogramming your subconscious to believe this is so, and your subconscious will make it so. This where Napoleon Hill and others call the Law of Attraction splits, Mr. Hill believed you have to take action at this point. Napoleon Hill, stated you have to improve yourself at this point to be successful. Work out, eat better, attend webinars, classes, workshops, seminars, read books, listen to audiobooks, and maybe get your degree. In fact, anything you can do to aid yourself to meet your goals will help the final outcome.

Another of Napoleon Hill recommendations was to form a mastermind group, of 2-11 people that have a common goal. The power of the mind multiplied with others will even be a more powerful force. One can ride the synergy of others at this point to become an unstoppable force. 

Working out is one of the untold secret of the rich, studies showing that 55% of the rich working out at least 2 times a week, and 50% of people that living financially comfortable in our society do as well. Did you know it can even improve your mood, and lower your stress and lower anxiety? And let just forget about all the other health benefits.

I have found that eating healthier is not only less expensive on your budget, but can improve your life and overall well-being. I cut, my budget by cooking most of my meals with brown rice, whole wheat pasta, fresh fruits and vegetables and lower the amount of meat and cheeses. I stop buying processed food and replaced them with unprocessed whole foods. I still use white sugar just cutting down.

The net results are improved attitude, more energy, less stress, and anxiety, things are now coming to me without me placing much energy or time! I radiate a more positive me! And people can’t tell that things are not perfect in my life, simply because I don’t act that way. I know my life has changed and this is just the beginning for my new life.  I am in transformation mode just like a caterpillar can change into a butterfly, I must change as well.

I have been listening to Attraction Factor by Dr. Joe Vital he stated that meditation can not only improve your wealth but the wealth of your community, as well lower crime rate. I am surprised about this fact  How mind-blowing is this fact and this was proven in 19 studies. I have read this fact in countless books, the power of giving to others either a charity or a faith-based organization. By giving to your spiritual origination or charity, you will become more successful in your life.

A simple self-healing technique as stated in a number Dr. Joe Vital books, just saying “I love you, I am sorry, Thank you, and Please forgive me over and over again in your mind will heal you. This mediation of Ho'oponopono was developed by a medical doctor that was able to use it to heal the criminally insane. The bases of the Ho'oponopono is that you are able to heal yourself, and intern you are able to heal the universe. This is a strange way to think about for western culture, that you are responsible for everything not just for yourself.     

I know this sounds strange and worried. I was not born in this word believing all this, I have been rejecting these ideas for most of my life and it took a huge change in my life to be open to such thoughts. I was ready to try almost anything and keep an open mind. 

I would also recommend books by Brian Tracy, and Rhonda Byrne (Author of The Secret) in addition to Dr. Joe Vital. And Think and Grow Rich by Napoleon Hill is the foundation of much these later books. I seem to get the message better hearing from different teachers and the same things are said in different ways.  

Author: Derek P. Bliedung
Columbus Financial Coach.
The Art of Saving Money

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