They say if you want to be rich, you should hang around rich people. The advice sounds reasonable. After all, birds of a feather do flock together. However, this is only half the story. If you really want to be rich, you have to think like the rich.

Steve Siebold spent nearly three decades interviewing rich people around the world to find out what separates them from the 99%. His finding is summed up in a new book, How Rich People Think.

Steve concluded that being rich has little to do with the money itself. Instead, it had everything to do with mentality and how you think about money. The book is a pretty good read, and I recommend you get a copy. In the book, Steve divides people between “World Class” and “Middle Class”. In the interest of better SEO, I will call the groups the 99% and the 1%.

  1. The 99% focus on saving. The 1% focus on earning.
  2. The 99% thinks about money in linear terms. The 1% think about money in non-linear terms.
  3. The 99% believes hard work creates wealth. The 1% believes leverage creates wealth.
  4. The 99% believes money is the root of all evil. The 1% believes poverty is the root of all evil.
  5. The 99% believes being rich is a privilege. The 1% believes being rich is a right.
  6. The 99% believes money is complicated. The 1% believes money is simple.
  7. The 99% believes rich people are crooks. The 1% believes rich people are ambitious.
  8. The 99% believes building wealth is a solitary effort. The 1% believes building wealth is a team effort.
  9. The 99% worry about money. The 1% dreams about money.
  10. The 99% believes money is negative. The 1% believes money is positive.
  11. The 99% believes rich people are shallow. The 1% believe rich people are strategic.
  12. The 99% believes the road to riches is paved with formal education. The 1% believes the road to riches is paved with specific knowledge.
  13. The 99% believes money is earned through labor. The 1% believes money is earned through thought.
  14. The 99% worries about running out of money. The 1% thinks about how to make more money.
  15. The 99% thinks about spending. The 1% thinks about investing.
  16. The 99% sees money through the eyes of emotion. The 1% sees money through the eyes of logic.
  17. The 99% underestimate the wealth building power of referral marketing. The 1% knows referral marketing creates millionaires.
  18. The 99% focuses on pleasurable activities. The 1% focuses on money making activities.
  19. The 99% sees money as a finite resource. The 1% see money as an infinite resource.
  20. The 99% earns money doing things they don’t like to do. The 1% get rich doing what they love.
  21. The 99% believes rich people are ruthless. The 1% believes rich people are generous.
  22. The 99% has a lottery mentality. The 1% has an action mentality.
  23. The 99% is waiting to be rescued from financial mediocrity. The 1% knows no one is coming to the rescue.
  24. The 99% believes rich people are smarter. The 1% believes rich people are more savvy.
  25. The 99% sees money as controlling. The 1% sees money as liberating.
  26. The 99% believes money changes people. The 1% believes money reveals people.
  27. The 99% believes in working for money. The 1% believes in working for fulfillment.
  28. The 99% believes you have to do something to get rich. The 1% believes you have to be something to get rich.
  29. The 99% plays it safe with money. The 1% takes calculated risks.
  30. The 99% believes you have to have money to make money. The 1% believes in using other people’s money.
  31. The 99% believes jobs are the safest way to earn money. The 1% believes outstanding performance is the safest way to earn money.
  32. The 99% believes in financial scarcity. The 1% believes in financial abundance.
  33. The 99% sees money as a weapon. The 1% sees money as a tool.
  34. The 99% believes they aren’t worthy of great wealth. The 1% believes they deserve to be rich.
  35. The 99% denies the importance of money. The 1% knows money is a critical component of life.
  36. The 99% believes money is their enemy. The 1% believes money is their friend.
  37. The 99% waits for their ship to come in. The 1% builds their own ship.
  38. The 99% believes financial markets are driven by logic an strategy. The 1% believes financial markets are driven by emotion and greed.
  39. The 99% believes money is about status. The 1% believes money is about freedom.
  40. The 99% lives beyond their means. The 1% lives below their means.
  41. The 99% equates money with stress. The 1% equates money with piece of mind.
  42. The 99% thinks small. The 1% thinks big.
  43. The 99% believes people are out to get them. The 1% believes the universe is conspiring to help them.
  44. The 99% believes their thinking is unrelated to their net worth. The 1% knows thinking is the catalyst of all results.
  45. The 99% experiences good fortune and can’t believe it. The 1% experiences good fortune and wonders what took so long.
  46. The 99% believes the more money you earn, the more stress you experience. The 1% believes the more money you earn, the less stress you experience.
  47. The 99% believes the more money you make, the more problems you will have. The 1% believes the more money you make, the fewer problems you will have.
  48. The 99% believes the rich are obsessed with money. The 1% believes the rich are obsessed with success.
  49. The 99% believes the rich are selfish and self-absorbed. The 1% believes the rich are selfish and self-absorbed.
  50. The 99% dreams of having enough money to retire. The 1% dreams of having enough money to impact the world.
  51. The 99% believes it’s shrewd to be cynical. The 1% believes it’s shrewd to be optimistic.
  52. The 99% believes the rich should support the poor. The 1% believes in self-reliance.
  53. The 99% sees the wealthy as oppressors. The 1% sees the wealthy as liberators.
  54. The 99% believes getting rich is outside their control. The 1% knows getting rich is an inside job.
  55. The 99% thinks the rich believe they are more intelligent. The 1% knows intelligence has little to do with getting rich.
  56. The 99% associates with anyone. The 1% carefully monitors their associations.
  57. The 99% embraces advanced degrees. The 1% embraces any form of education that makes them wealthier.
  58. The 99% have loosely defined goals with flexible deadlines. The 1% have highly defined goals with do or die deadlines.
  59. The 99% works as little as possible. The 1% works as smart as possible.
  60. The 99% loves to be comfortable. The 1% is comfortable being uncomfortable.
  61. The 99% is timid and scared. The 1% is aggressive and bold.
  62. The 99% longs for the gold old days. The 1% dreams of the future.
  63. The 99% plays not to lose. The 1% swings for the fences.
  64. The 99% sets their financial expectation low so they’re never disappointed. The 1% sets their financial expectations high so they’re always excited.
  65. The 99% has a financial windfall and worries about losing it. The 1% has a windfall and figures out how to leverage it.
  66. The 99% is externally motivated to make money. The 1% internally motivated to make money.
  67. The 99% suffers from lack consciousness. The 1% enjoy prosperity.
  68. The 99% believes money will make them happier. The 1% knows that money has little to do with happiness.
  69. The 99% believes people seek money for power. The 1% believes people seek money for control.
  70. The 99% never makes the connection between money and health. The 1% knows money can save your life.
  71. The 99% believes ambition is a sin. The 1% believes ambition is a virtue.
  72. The 99% believes rich people are snobs. The 1% believes rich people are guarding their consciousness.
  73. The 99% believes rich people are arrogant. The 1% believes rich people are confident.
  74. The 99% believes self-made millionaires ha an unfair advantage. The 1% knows their advantage was hard work.
  75. The 99% bases their beliefs about the rich on the minority. The 1% bases their beliefs about the rich on the majority.
  76. The 99% believes they’re missing something. The 1% knows it’s beliefs that make the difference.
  77. The 99% believes they lack desire. The 1% knows we all have everything we need to be rich.
  78. The 99% believes they must choose between a great family life and being rich. The 1% knows they can have it all.
  79. The 99% believes having a job gives them security. The 1% knows there’s no such thing.
  80. The 99% believes starting a business is risky. The 1% believes starting a business is the fastest road to wealth.
  81. The 99% believes it’s wrong for a small group of people to possess most of the money. The 1% welcomes the masses to join them.
  82. The 99% believes wealth creates dysfunctional families. The 1% believes unearned wealth creates dysfunctional families.
  83. The 99% believes money creates corruption. The 1% believes the lack of money creates corruption.
  84. The 99% believes the rich are spiritually bankrupt. The 1% believes the rich are among the most spiritual people in society.
  85. The 99% believes if they become wealthy, they will lose their friends. The 1% believes being wealthy will expand your network.
  86. The 99% believes you have to sacrifice your health to get rich. The 1% believes being rich will make you healthier.
  87. The 99% hands down their limited beliefs about money to their children. The 1% hands down their unlimited beliefs about money to their children.
  88. The 99% teaches their children how to survive. The 1% teaches their children how to get rich.
  89. The 99% teaches their kids about money by example. The 1% does the same thing.
  90. The 99% teaches their kids how to save their pennies. The 1% teaches their kids how to invest their pennies.
  91. The 99% encourages their kids to be nice and make friends. The 1% encourages their kids to be smart and build a network.
  92. The 99% teaches their kids to be happy with what they have. The 1% teaches their kids how to go for their dreams.
  93. The 99% minimizes the importance of money with their kids. The 1% teaches their kids the importance of money.
  94. The 99% teaches their children the games of the masses. The 1% teaches their children the games of the wealthy.
  95. The 99% doesn’t believe in personal development of self help. The 1% believes they’re the secret to getting rich.
  96. The 99% doesn’t connect travel with wealth. The 1% knows travel connects them with the wealthy.
  97. The 99% has access to the social skills of the masses. The 1% has access to the social skills of the most refined among us.
  98. The 99% would rather be entertained than educated. The 1% would rather be educated than entertained.
  99. The 99% believes rich people are workaholics. The 1% knows millionaires have a ton of fun.
  100. The 99% only focuses on money when they need it. The 1% focuses on money all the time.

It’s OK To Be Part Of The 1%.

A Big Thanks to John Chow for his arrangement- this wonderful list of Money Mantra from my favorite book How Rich People Think by Steve SieboldI’m proudly regular reader at  John Chow‘s Blog. He is a blogger, speaker and entrepreneur. I’m recommending to all of you, please follow his blog.



As Maria Robinson once said, “Nobody can go back and start a new beginning, but anyone can start today and make a new ending.”  Nothing could be closer to the truth.  But before you can begin this process of transformation you have to stop doing the things that have been holding you back.

Here are some ideas to get you started:

 Stop spending time with the wrong people. – Life is too short to spend time with people who suck the happiness out of you.  If someone wants you in their life, they’ll make room for you.  You shouldn’t have to fight for a spot.  Never, ever insist yourself to someone who continuously overlooks your worth.  And remember, it’s not the people that stand by your side when you’re at your best, but the ones who stand beside you when you’re at your worst that are your true friends.

 Stop running from your problems. – Face them head on.  No, it won’t be easy.  There is no person in the world capable of flawlessly handling every punch thrown at them.  We aren’t supposed to be able to instantly solve problems.  That’s not how we’re made.  In fact, we’re made to get upset, sad, hurt, stumble and fall.  Because that’s the whole purpose of living – to face problems, learn, adapt, and solve them over the course of time.  This is what ultimately molds us into the person we become.

 Stop lying to yourself. – You can lie to anyone else in the world, but you can’t lie to yourself.  Our lives improve only when we take chances, and the first and most difficult chance we can take is to be honest with ourselves.

 Stop putting your own needs on the back burner. – The most painful thing is losing yourself in the process of loving someone too much, and forgetting that you are special too.  Yes, help others; but help yourself too.  If there was ever a moment to follow your passion and do something that matters to you, that moment is now.

 Stop trying to be someone you’re not. – One of the greatest challenges in life is being yourself in a world that’s trying to make you likeeveryone else.  Someone will always be prettier, someone will always be smarter, someone will always be younger, but they will never be you.  Don’t change so people will like you.  Be yourself and the right people will love the real you.

Stop trying to hold onto the past. – You can’t start the next chapter of your life if you keep re-reading your last one.

Stop being scared to make a mistake. – Doing something and getting it wrong is at least ten times more productive than doing nothing.  Every success has a trail of failures behind it, and every failure is leading towards success.  You end up regretting the things you did NOT do far more than the things you did.

Stop berating yourself for old mistakes. – We may love the wrong person and cry about the wrong things, but no matter how things go wrong, one thing is for sure, mistakes help us find the person and things that are right for us.  We all make mistakes, have struggles, and even regret things in our past.  But you are not your mistakes, you are not your struggles, and you are here NOW with the power to shape your day and your future.  Every single thing that has ever happened in your life is preparing you for a moment that is yet to come. 

Stop trying to buy happiness. – Many of the things we desire are expensive.  But the truth is, the things that really satisfy us are totally free – love, laughter and working on our passions.

Stop exclusively looking to others for happiness. – If you’re not happy with who you are on the inside, you won’t be happy in a long-term relationship with anyone else either.  You have to create stability in your own life first before you can share it with someone else.  Read Stumbling on Happiness .

Stop being idle. – Don’t think too much or you’ll create a problem that wasn’t even there in the first place.  Evaluate situations and take decisive action.  You cannot change what you refuse to confront.  Making progress involves risk.  Period!  You can’t make it to second base with your foot on first.

Stop thinking you’re not ready. – Nobody ever feels 100% ready when an opportunity arises.  Because most great opportunities in life force us to grow beyond our comfort zones, which means we won’t feel totally comfortable at first.

Stop getting involved in relationships for the wrong reasons. – Relationships must be chosen wisely.  It’s better to be alone than to be in bad company.  There’s no need to rush.  If something is meant to be, it will happen – in the right time, with the right person, and for the best reason. Fall in love when you’re ready, not when you’re lonely.

Stop rejecting new relationships just because old ones didn’t work. – In life you’ll realize that there is a purpose for everyone you meet.  Some will test you, some will use you and some will teach you.  But most importantly, some will bring out the best in you.

Stop trying to compete against everyone else. – Don’t worry about what others doing better than you.  Concentrate on beating your own records every day.  Success is a battle between YOU and YOURSELF only.

Stop being jealous of others. – Jealousy is the art of counting someone else’s blessings instead of your own.  Ask yourself this:  “What’s something I have that everyone wants?”

Stop complaining and feeling sorry for yourself. – Life’s curveballs are thrown for a reason – to shift your path in a direction that is meant for you.  You may not see or understand everything the moment it happens, and it may be tough.  But reflect back on those negative curveballs thrown at you in the past.  You’ll often see that eventually they led you to a better place, person, state of mind, or situation.  So smile!  Let everyone know that today you are a lot stronger than you were yesterday, and you will be.

Stop holding grudges. – Don’t live your life with hate in your heart.  You will end up hurting yourself more than the people you hate.  Forgiveness is not saying, “What you did to me is okay.”  It is saying, “I’m not going to let what you did to me ruin my happiness forever.”  Forgiveness is the answer… let go, find peace, liberate yourself!  And remember, forgiveness is not just for other people, it’s for you too.  If you must, forgive yourself, move on and try to do better next time.

Stop letting others bring you down to their level. – Refuse to lower your standards to accommodate those who refuse to raise theirs.

Stop wasting time explaining yourself to others. – Your friends don’t need it and your enemies won’t believe it anyway.  Just do what you know in your heart is right.

Stop doing the same things over and over without taking a break. – The time to take a deep breath is when you don’t have time for it.  If you keep doing what you’re doing, you’ll keep getting what you’re getting.  Sometimes you need to distance yourself to see things clearly.

Stop overlooking the beauty of small moments. – Enjoy the little things, because one day you may look back and discover they were the big things.  The best portion of your life will be the small, nameless moments you spend smiling with someone who matters to you.

Stop trying to make things perfect. – The real world doesn’t reward perfectionists, it rewards people who get things done. 

Stop following the path of least resistance. – Life is not easy, especially when you plan on achieving something worthwhile.  Don’t take the easy way out.  Do something extraordinary.

Stop acting like everything is fine if it isn’t. – It’s okay to fall apart for a little while.  You don’t always have to pretend to be strong, and there is no need to constantly prove that everything is going well.  You shouldn’t be concerned with what other people are thinking either – cry if you need to – it’s healthy to shed your tears.  The sooner you do, the sooner you will be able to smile again. 

Stop blaming others for your troubles. – The extent to which you can achieve your dreams depends on the extent to which you take responsibility for your life.  When you blame others for what you’re going through, you deny responsibility – you give others power over that part of your life.

Stop trying to be everything to everyone. – Doing so is impossible, and trying will only burn you out.  But making one person smile CAN change the world.  Maybe not the whole world, but their world.  So narrow your focus.

Stop worrying so much. – Worry will not strip tomorrow of its burdens, it will strip today of its joy.  One way to check if something is worth mulling over is to ask yourself this question: “Will this matter in one year’s time?  Three years?  Five years?”  If not, then it’s not worth worrying about.

Stop focusing on what you don’t want to happen. – Focus on what you do want to happen.  Positive thinking is at the forefront of every great success story.  If you awake every morning with the thought that something wonderful will happen in your life today, and you pay close attention, you’ll often find that you’re right.

Stop being ungrateful. – No matter how good or bad you have it, wake up each day thankful for your life.  Someone somewhere else is desperately fighting for theirs.  Instead of thinking about what you’re missing, try thinking about what you have that everyone else is missing.

( A BIG THANKS to Mr. Sudhanshu Sir for sending this wonderful list )

Life Mantra

They will feel bad, I can’t do this anyways, please” is a phobia to achieve success. Success is just a dream for those folks who are working for others. Let me complete my last sentence:   Why we care about society that what they will think if I do that or this. When it comes to Failure everyone will blame on you. They will start to shout that you were onus for mistakes: Blah, Blah, and Blah!

The problem is not these people but you…yes, Only YOU! Why you had choose THEM to decide on each and every aspects of your life. Isn’t? Why you often think about them for every step you are going to take? I’m sure you are getting my mind.

Few steps for your OWN life:

  1. Remove your all kind of fear for society and people. (As they are just a part of same game which you’re logged in already).
  2. Keep in Mind: “Who Cares!”
  3. Today you’re going to die. Yes, Today is your last day of your life. Live as much as you can. :-/
  4. Always make a Note on your desk: As you waste your breath complaining about life, someone out there is breathing their last. Appreciate what you have  (~Unknown ).
  5. Money is just a SCORE of your success game, make higher than your last one. Crack your own record every moment is not enough? I guess, “Enough!” So, Take it easy and play safe.
  6. If you are not happy with your present situations, create a VHB i.e. Virtual Happiness Board where you can open your Bank account with huge amount as much as you can. You can imagine your own BMW or Audi E-Series. Also, you can buy private jets. Hurrah!! Ahem! Set an expiry date for this board when you will convert this VHB into REAL HAPPINESS LIFE. (Now, why should I call it a board…hehehe). You have to make this…Because YOU CAN!
  7. Nothing is important except you and your dreams (I know you guys can kill me or call me a selfish…but indeed, you too want same from your inner world).
  8. Talk to Yourself! You are best friend of you. Only you know what is secret for others about you. Please give time to you.
  9. You are the best Guru (Leader) of you.  Write your own name a paper and fix it on your own PIN BOARD, Call your own name every day at least for once a day.

I’m not a life coach or a writer but I have a bit experience since my golden past. I have got a chance to meet so many people across the Globe: as a person or in Social Network, and learned to live a better life.

All the very best to all readers!




Your Virtual Happiness Board:


Virtual Happiness Board

Love Story!

A man and his wife were having problems at home, and were giving each other the silent treatment! One day, the man realised that he had to wake up at 5 am the next morning to catch a flight. Not wanting to be the first to break the silence,… he wrote on a piece of paper: ‘Please wake me at 5 am’, and left it where his wife would see.The next morning he woke up, only to find that it was 9 am, and that he had missed the flight! Furious, he was about to scream at his wife, when he noticed a piece of paper by the bed. The note written by his wife said: “It’s 5 am, honey. Wake up.

Work and Money


Work Theory for Money

I have keen interest in Money since my infancy that how it works (I don’t know what they think), what is CASH-FLOW for common-man, but most important to know is: How to Earn Money or how to expend it with the knowledge of NUMBERS. I always hate maths and their equations but I like NUMBERS just because of its versatility for Life’s each and every part. Without numbers we can’t even stand anywhere as we have to count our INPUTS to get the outputs, for optimum solution we should keep on track for INPUTS. We all know about this fact that our Inputs decide our Outputs to outcomes for our desire.

No matter what is the process to get your Output, what kind of difficulties you face, what is your current RATIO for results but you have to make a proper attention on INPUTS. For example- HARD WORK Vs. SMART WORK, everyone knows Smart Work is in trends but it doesn’t mean HARD WORK has been expired. The common word in both is- WORK!  If we don’t know about smart work or hard work and want to be succeed, want to score our Dreams: I am a bit sure about my solution, i.e. “Don’t waste your time to think about SMART or HARD just focus on WORK” but remember this quote is for a certain period. Once, you are capable to identify or differentiate between both kinds of work, choose your own smart work with the smart way.

We can make a BALANCE (Indeed, Get our Desire Results) with the help of INPUT-OUTPUT theory to get in real whatever we think in our Imaginary World

P.S. Making Money Creating Wealth was never so difficult but a game for IP/OP and NUMBERS.


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