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Harv Eker – FreedomFirst Wealth Coaching
Dear Future Financial Freedomer,
Can I ask you a question?
How long do you think it takes to become financially free?
2 years?
5 years?
10 years?
30 years?
50 years?
However long, the truth about reaching your financial goals…is ugly.
Out of 100 people only 1 person will become wealthy, 4 will become financially independent, 15 will have some savings put aside and a whopping 80 people will be dependent on pensions, still working, or flat out broke.
That means if you’re reading this right now, you have a 5% chance of ever becoming financially free.
Pretty scary…right?
It would scare me…
Can you imagine working day in and day out every day until the day you died?
That’s a frightening thought.
Never having the chance to do the things you want like travel, relax, support your loved ones and maybe not even have a penny to leave behind for your family.
Or…
You’re stuck in constant debt (the worst), never having the chance to get out.
And let’s say you worked your butt off and finally did get out of debt…but then something new came up… like a doctor’s bill or an emergency that all of a sudden put you back into the place you just worked years to finally get to (this scenario happens way too often).
Or…
You’ve always just done “Ok”. You haven’t made millions of dollars but you aren’t struggling. You are forced to put in regular work hours Monday through Friday, 9am-5pm until you are 65 years old. It’s not the money that’s the issue…it’s the time it takes to be able to have the freedom you desire.
These are situations that people live with every single day.
You might be one of them.
It’s not easy…it’s hard, it’s frustrating and can be extremely stressful.
It’s like everyday you are hoping and praying something doesn’t happen out of the norm because if it did…
…you wouldn’t have the funds to cover it.
Or you’re constantly thinking about when you can retire, not enjoying the precious time you’re living right now.
You know and I know that money does not equal happiness but it sure does help out in many different situations.
It will give you freedom and choice.
Being free is something we daydream about and it’s what a lot of us strive for.
But in all reality most of us never achieve it.
Why?
For many it’s the lack of knowledge, skills, and experience.
And most of all it’s because that little voice in your head will constantly take you out when things get too hard and uncomfortable.
So the big question is… are you going to be part of the 80% of people who are dependent, working or broke for the rest of their lives?
Or are you going to become part of the top 5% of us who are financially free and independent?
You may or may not know but I was faced with a very similar choice. I was in my 20’s and was doing everything I possibly could to be successful.
As the saying goes “I wanted to succeed as bad as I wanted to breathe”.
That’s how motivated I was.
There was no option but success.
Unfortunately becoming successful in my 20’s was not the case.
I was consistently running into problems and it seemed the harder I tried, the harder I would fail.
I was desperate to make something work.
Year after year…business after business.
Nothing and I mean nothing was panning out.
It was like every choice I made was the wrong choice…
Can you relate?
I was broke, I was tired and I was drained.
I look back to those days and I get a chill down my spine.
It was something I wouldn’t wish upon my worst enemy, and I know there are some of you who are going through it yourself right now.
And I feel for you.
But as they say…
“A winner never quits and a quitter never wins.”
So what did I do? I kept going after my dream.
I struggled through 14 different businesses in 12 years. None of them were successful.
After years of frustration and struggle, I finally learned and used the principles that I now teach all over the world, and as you heard from my introduction, I went from 0 to millionaire in only just over 2 years.
Sounds great, right?
It was… I was confident, I felt successful and I knew I finally made it…
…that was until I lost it.
See when I was in my 20’s everyone kept saying, “Just focus on making money, focus on making money, focus on making money.”
Or, “Once you make enough you will be set.”
Well guess what… Being a millionaire and staying a millionaire are 2 different worlds. I didn’t know that.
Over the next 2 years I lost my fortune and only had $2000 in the bank, and now had a wife and 2 babies!
I realized the hard way that making money was only 1 part of the equation.
And that having a lot of money does not necessarily mean you will ‘win the money game’.
Why Rich Does Not Equal Free
So what was the answer? What was it that I, and probably most people really wanted? Was it wealth? Was it lifestyle? Sure, but for me it was more than that. What I really wanted was my freedom.
I simply wanted to be able to do what I chose with my time without having to work all the time.
And here’s the cool thing. Once I realized my goal was freedom. . . my journey became ten times easier and ten times faster.
And that’s a big reason so many people struggle with money. They don’t know what their real goal is.
They think the goal is to earn a ton of money. But that can be extremely hard, and it still doesn’t make you free.
Or they think the goal is to get rich. That’s nice but for most people they will never be rich and for the few who get there, do you know how long it takes for them to get rich?
For most it takes a good portion of their lives. 20, 30, 40, years or more.
I don’t know about you but to me, waiting for 30 or 40 years to win the money game is a drag.
Because if getting rich is winning the money game, and you’re not rich yet, that means you’re losing the game right now. And losing never feels good, does it?
Even if some of us actually have the goal of financial freedom, the strategy most people believe is . . . ‘when I get rich I will be free’.
And I’m here to tell you that is just NOT TRUE.
Rich does not equal free.
And as I already said, getting rich can take a lifetime.
So what is the answer?
The answer is that if we want to be free, we need to go direct to free. Not rich. Free.
We need to put our energy, our attention, and our strategies on freedom first.
And then AFTER we have become fully financially free, AFTER we have won the money game, AFTER we never “have” to work again, then and only then can we set an entirely new and different goal to be rich.
The time is NOW to work on your financial freedom…
Which is why I created a brand NEW program.
It’s called…
I’ve had the blessing of teaching over 1 million students across the world (most how to become financially free).
I’ve had the chance to really eat, sleep and breathe the topic…
…on both sides of the spectrum being really, really broke and being really, really, really rich and free .
I’ve done all the programs, read all the books, consulted with the richest and smartest people in the world and have made over hundreds of millions of dollars.
All of which has helped me create a simple and doable 8-step program to becoming financially free quickly.
“Fast Results”
“This wasn’t the first time I’ve done ‘personal growth,’ but it was the first time in relation to money. You said we should expect results fast. Fast was no joke. Within 3-4 days, I received the LARGEST CHECK I’ve ever received to date. And now, almost 2 weeks later, there is cash LEFT OVER and my next check will be here in a couple of days!”
Jody Weigel
“I’m Now A Bestselling Author”
“Hi Harv. I want to thank you for being our mentor and creating such amazing courses. My husband and I graduated from your program and we have never looked back. I set an intention to become an Amazon best-selling author and I’m thrilled to share with you that has come true TODAY. The book skyrocketed to the Amazon #1 slot for both Canada and U.S. in two different categories. Thanks again for your amazing programs. THEY WORK!”
Diana Young
“My Net Worth Skyrocketed”
“Dear Harv, Since I attended your program one year ago, my net worth has skyrocketed! Last year my net worth was $90,000, now it is close to half a million. I can’t thank you enough.”
Catherine Hallock
“I Went From Zero To $800,000… With A $13 Per-Hour Job”
“Hey Harv! I have gone from being worth $0 to now having almost $800,000 in real estate, a fully paid for car and my beloved Harley. I did it on $13/hour and with some wise investing in real estate and house flipping. I am a money magnet! My life is fantastic and the final pieces to my puzzle are quickly falling into place!”
David Jackson
HAVE A GOAL and
HAVE A PLAN.
The first thing you must have is CLARITY – you need to have a clear objective and a clear plan of action.
In short, how much money do you really need in order to be financially free? What’s the number, exactly?
I’m not talking about how much you need in net worth and in income, I’m talking about how much you need to be earning in passive income. Income without you working.
In fact, the very definition of financial freedom is having enough passive income to live the lifestyle you desire.
Let me repeat that, having enough passive income to live the lifestyle you desire.
So how much money will it take per year for you to live the lifestyle you desire?
Knowing this number gives you a specific objective as to what you are going to need to be earning without working, to be free.
That AMOUNT is going to determine the STRATEGY or PLAN you need to get there.
As many of you know I have over a million students worldwide and in my seminars I love asking the question…
What is your FREEDOM PLAN?
95% of every single person I’ve asked has no answer. Because they have no plan!
And when it comes to achieving anything…
NO PLAN usually means NO WAY.
And you wonder why 80% of people will never, ever, become financially free.
So here’s the equation: no specific objective plus no realistic plan = no financial freedom.
THE FREEDOM MINDSET
Having a freedom mindset means your thoughts, beliefs, and habits support you in creating financial freedom vs. prevent you from creating it.
Unfortunately most of us have been conditioned to not only have non-supportive thoughts and beliefs around money and wealth but also around financial freedom and income without working.
How many of you grew up with your parents saying . . . “It’s time for you to make some money for yourself, now go out there and earn some passive income”?
I’m sure for the majority of you this is not how your parents talked about you earning money. Most likely they said, “Go to work. Get a job!” Yes or yes?
There may be several non-supportive beliefs that could be holding you back from financial freedom. For example:
– If I get rich, I’ll be financially free.
– If I earn a lot of money, I’ll be financially free
– You have to work hard for money.
– A dollar’s pay for a dollar’s work.
– It’s not right to have a lot of money when others are so poor.
– I’m not worthy if I’m not working ….(By the way… no one said you can’t work, this is about having the choice as to whether you work or not and when).
Retirement is for old people. (Again, you don’t have to retire, you just have to be free to do what you want when you want. . . does this make sense?)
In short, if you continue to have non-supportive thoughts and beliefs around money, freedom and passive income . . . there’s a good chance you’ll never be free! So it’s imperative to be aware of these weeds in the garden of our mind and clear them.
SPEND LESS THAN YOU EARN
Bottom line: if you want to have money later you have to start accumulating it now. And you can’t accumulate it if you don’t keep any of it.
Having money is like having soldiers; in this case your soldiers are like Freedom Fighters. If you get rid of all of your soldiers you will have no one working for you. So you must keep them as best as possible.
The oldest wealth rule in existence is spend less than you earn. I will repeat that. Spend less than you earn.
So becoming aware of exactly how much you spend each month compared to what you earn is critical to your future freedom.
And once you figure out how and where you spend your money you can accelerate your path to financial freedom with just ONE action.
Want to know what it is?
By eliminating or decreasing unnecessary expenses.
Rich people think LONG TERM. Poor and broke people think SHORT TERM and immediate gratification. Rich people have one eye in the present and one eye in the future. Broke people usually have both eyes in the present and are blind to the future.
A lot of people operate under the assumption of, “It’s okay to spend it all because A. I think I need it or B. Eventually I’ll be making a lot more money.”
Assumptions like these are why most people are broke and will be broke forever.
Even if they do earn more money, they’ll still be broke.
Why?
Because we are creatures of habit . . .
If we believe it’s ok to spend it all now then we will also spend it all later.
So bottom line is common sense. You must live within your means. Meaning you simply cannot, I repeat cannot spend more money than you earn. Yes, that might affect your current lifestyle; maybe the house you live in, maybe the type of car you drive, maybe the clothes you wear, maybe where and how often you go out to eat or even what you eat. But if you want to be free any time soon your habit will have to be that no matter how much or little that number is, you simply spend less than you earn.
And it’s quite amazing when I go into my student’s specific details, how much we find together that we can delete without one less drop of happiness.
That’s something we’ll hopefully be able to work with you on and clear in the future.
MANAGE YOUR MONEY
or YOUR MONEY WILL MANAGE YOU
Would you like to know the number one difference between financially free people and poor people? Financially free people are good money managers, poor people are usually poor money managers.
If you aren’t where you want to be financially, then you most likely aren’t managing your money well enough.
In my system, managing your money means splitting your money up into different accounts for different uses.
Could you imagine a baseball game where every player on the field is playing one position, say 3rd base? Is there any hope that that team will win? No way. 90% of the field is left uncovered.
Conversely, if there are 9 players on the field, each has a different position with a different role to play. Yes or yes?
Same with your money. Your money cannot all be playing one position on the field. It cannot all be in one bank account or it will be impossible to win the game.
That’s why we need to split up our money into different accounts with different usages for each.
For example, you need to have separate accounts that covers your necessary expenses like your mortgage or rent, your groceries, your utilities, your gas and your car insurance.
You’ll need a separate account for things you are saving up for.
You’ll need a separate account for short term pleasure and play.
You’ll need a different account for investments and to buy passive income streams.
When we coach people we have 5 different accounts that we work with. And I’ll tell you something. I know it’s a bit woo woo but when the people we work with use the money management system we teach them, miracles, I mean money miracles begin to occur.
Bottom line, if you don’t manage your money, your money will manage you. And that my friends is not the way to freedom, it’s a sure way to disaster.
EARN A LOT MORE MONEY
Let’s face it, it’s great to save your money and it’s great to manage your money but to do either of these you actually have to start with some money and the more money you have coming in the more you can mange and the more you can save and the more you can invest and the more you can build or buy passive income structures. In short, all else being in place, earning a lot of money or at least a lot more money, will make becoming financially free a lot faster and a lot easier.
Unfortunately a majority of people believe they are “stuck” with their current level of earnings, give or take a few percentages, be it from a job or from a business. And this is simply not true.
Every one of you can earn more money and even a lot more money, but to do so, you may have to change your thinking and your strategies.
So let’s talk a little about how to make a lot of money. Anybody interested? I hope so.
So where does all your money come from?
The only thing on earth that deals with money is people.
So all of your money comes from other people. Yes or yes?
So why would anyone give you their hard earned money?
The primary reason someone will give you their money is if you are solving a problem for them.
The definition of an entrepreneur or even a person in a job is a person who solves problems for people at a profit or for pay.
So what are you?
A problem solver.
Say that with me and write it down. I am a problem solver.
So to earn money you will have to have a specific problem that you solve for people. It could be a big problem or a little problem.
Consequently, if you want to earn MORE money you will have to solve that problem for MORE people.
The number one reason most people don’t earn a lot of money is because they don’t know the real problem they solve for people.
The number two reason most people don’t earn a lot of money is because they can’t articulate the problem they solve for people.
The number three reason most people don’t earn a lot of money is because they don’t solve that problem for a LOT of people.
If you want to earn a lot of money you have to help a lot of people. It’s that simple.
So the big question is: How do you set up your business or your income situation to be able to help a lot of people?
The good news is there are definite ways to do it.
And this is something we work on extensively with our coaching clients and I’ll tell you, once people really understand the concept, their earnings begin to skyrocket.
THE POWER OF APPRECIATION
Investing for appreciation means you are looking for the value of your investment to increase.
If you reinvest your earnings, your appreciation compounds. Compounding is like when your financial soldiers have babies, and then those babies grow up and become soldiers and they go work for you, and then they have babies, and so on, and so on, and so on.
Appreciation and re-investing your earnings are the most popular way to grow your money and how many people create their freedom and even wealth.
The issue for most people is they never learned how to properly invest.
I definitely didn’t learn how to invest in grade school or even in university! Did you?
And because of this lack of knowledge, we tend to make poor decisions and often lose our hard earned money, or we tend to make no decisions at all and our financial soldiers just sit there and do nothing.
Neither of these actions or ‘in-actions’ will help you become financially free.
So what can you do?
First, LEARN about what kind of appreciation investments are available.
It’s not only stocks and mutual funds, which is where the majority of people have all their investment money.
Stocks can be good but be careful who you work with. I’m not sure if you realize it, but brokers who work for large brokerage houses are told what to “push” to their clients that day or that week. For sure some of these recommendations are very worthwhile and could be winners, but also for sure, some of these recommendations are based on the brokerage house making as much money as possible.
By the way, I still love real estate. First, because real estate sits on land and they’re not making any more of the stuff. Second, because millions, I repeat millions of people have created wealth by investing in real estate. And third, because it’s actually fairly simple and something anyone can do…. if they get the right knowledge and training.
And one more thing, don’t listen to those naysayers who say that you can’t make money in real estate anymore. What they are really saying is THEY can’t make money in real estate! You can. There are tons of opportunities all around the world and if you learn just one of the strategies we coach people on, you can find amazing opportunities right in your own neighborhood.
Regardless, in business and in investments there’s a very important rule. Listen closely. Here it is. You make your money when you buy, not when you sell. Let me say this again. You make your money when you buy, not when you sell. So the trick is to know how to buy, what to buy and when to buy.
Again, that is all very, very, very learnable and something we coach people on extensively.
CREATE MASSIVE PASSIVE INCOME
As I said earlier, earning a lot of money or even having a lot of money does not necessarily mean you are financially free.
So the 7th element is to focus on how to make money without your own time and energy involved.
Creating passive income streams is how most people can become financially free in 5 years, or even less.
There are two general types of passive income:
The FIRST type is: passive income INVESTMENTS.
These investments generally create monthly income with a fixed or standard rate of return attached to them.
This would include vehicles like bank and government bonds, corporate bonds, t-bills, owning mortgages, rental property income and the like etc.
It’s important to realize that this is different than investing for appreciation.
Instead of hoping your investment will rise in value, you’re more concerned with the amount of passive income you will earn each month or each year from that investment.
The SECOND type of passive income is: passive BUSINESS income.
There are a lot of different types of passive business incomes you can choose from and we could spend a few hours on this topic alone but let’s start with one that is near and dear to my heart
Creating a business that has the potential to be systemized so that it can work without you.
I know for certain this works because I’ve done it myself over and over again and I’ve taught thousands of others exactly how to do it too.
If you want to take a shortcut and you have some money tucked away, instead of CREATING a business you can just BUY a low cost business that is already SYSTEMIZED and making money.
Let me give you an example; my landscaper in Hawaii. This guy makes about $20,000 a month and only has to manage the accounts he has but he doesn’t do the actual gardening work himself. He has several guys mowing and blowing and weed wacking AND it all works without him being on site. In short, this business is an ongoing, systemized, money machine.
Do you think you can buy this business or something similar and hire a manager to do what he does? Of course you can.
Would $20,000 a month make a difference in your life?
I’m sure for a lot of you it would.
Again our job is to help you expand your thinking so that ideas and opportunities like this become second nature to you. Good or Good?
Of course one of the most popular forms of passive business income is investing in positive cash flow rental properties. Again this an area with which tens of thousands of people around the world have created financial freedom.
It’s an entire subject but if you don’t think you have enough money to do this. You are incorrect.
And if you don’t think there are any more positive cash flow opportunities available anymore, you are also incorrect.
This is a perfect example of “knowledge is power”.
If you learn what to do, you can find amazing cash flow properties and need little or none of your own money to acquire them.
Good or good?
CONTRIBUTION
One of the things I believe is if you have the wherewithal to become financially successful it is your duty to do so. Why? So you can help people who will never have that wherewithal.
There are not hundreds or thousands or even hundreds of thousands of people that could use our help. There are millions around the world who barely have one decent meal a day or no clean water or no access to medicine.
From what I can tell, most people are good, kind-hearted people and are very generous if they have more than enough for themselves. And there’s the rub. Most people don’t have an abundance of money for themselves and so it’s hard for them to be overly generous to others.
And here’s the thing, generally we will do more for others than for ourselves. Meaning when we have a truly important reason or cause to support, first it seems to motivate us more and second, due to the law of karma, good things seem to happen for us.
Bottom line, do not wait until you are making a ton of money to make it a habit of contributing financially to others.
“I Saved $10,000 For Investing”
“Harv – I just wanted to say thank you for everything you’ve done to help better our world! You’ve changed so many people’s lives…including my own! Personally I wanted to share that I was able to reach my goal of saving $10,000 for investment purposes, mostly because of the tools I’ve learned from you. Thanks to you, I’ve definitely raised the bar for myself and what I can accomplish.”
Mariah Diamond
“I Quit My Job And Finally Started A Business”
“Hey Harv, I can’t tell you how much you have changed my mindset. Your principles have altered my mind, tremendously, for the better. I struggled mightily with money and realized my financial blueprint would never allow me to do any better. With your help, I’ve quit my 9-5 job and have since opened up my own start-up company with two of my great friends. We are growing rapidly! Thank you!”<
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