Powerful Money Habits: Key Behavior Shifts That Will Take You From Broke to Total Boss Even if You Suck With Numbers
By Zac M. Cruz
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About this ebook
Are you okay with not knowing what your financial life will look like in 10 years or more? Are you worried about never being able to retire? Would you like to create new passive income streams that make money while you sleep? If so, then keep reading..
Money is a terrible master but an excellent servant. --P.T. Barnum
The reality is that most of the stress and discomfort that people experience every day is largely caused by money woes. It is estimated that in most western countries, up to 80% of people are tied up to some kind of debt. Most people have next to nothing in savings and have no clue about how to start taking control of their finances.
Debt can go from being a minor inconvenience to have the potential to ruin lives in a short span of time. It's crucial to know how to navigate it and get out of its vicious cycle as soon as possible.
Most people believe that you are either good at managing your money or you aren't, and take this for granted. However, this couldn't be much further from the truth.
In this book, you'll discover:
-How to get out of all the debt you've accumulated in record time.
-How to effortlessly identify which type of spending is causing you the most damage.
-An stress-free way to begin investing and multiplying you money without spending much time or mental energy.
-How to manage your money like a pro, even if you find numbers scary.
-How to create a safety net around you that will act as a powerful defense against unexpected financial troubles.
-And much more..
Learning how to create powerful new habits that will support your financial goals can be easy if you have the right road map. It's not rocket science and you'll wonder why you didn't start sooner. It can also have lots of positive benefits that will spill over into multiple areas of your life.
As with anything money-related, time is your best ally. Start making smart decisions and begin to multiply your money today by scrolling up and clicking the BUY NOW button at the top of this page!
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Powerful Money Habits - Zac M. Cruz
© Copyright 2019 –Zac M. Cruz- All rights reserved.
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Introduction
If you've ever had, at any point in your life, experienced severe financial issues, then you'd at least be consoled by the fact that it was probably not your fault. At least not entirely. The way we are running society, falling into a financial pitfall is just a matter of time.
When you hear from all corners that money makes the world go 'round
, you're hearing the absolute, unadulterated truth. We'd like to think that there is something nobler or maybe altruistic at the very core of our day-to-day affairs. We'd like to think that at the end of the day, it's human nature and human free will that give the world its pulse. But the simple fact is that the power of the market reigns supreme, an inescapable framework that affects all aspects of our daily lives.
Now, here comes the paradox. Given the importance of money and the market, why is it that our educational institutions are not placing enough emphasis on these matters? We are taught all manner of useful (and, let's admit it, far from useful) information in school, from history to the sciences, from communication to mathematics. However, we never really got to learn about the concept of interest rates and investment, about the different types of money instruments and the different ways to manage our funds. We barely even learned about how we can apply our other knowledge into careers, to earn money from them—and how to properly switch between careers if needed.
Most of the stress that comes with adult life is inevitably tied to financial woes. Wouldn’t it be common sense then, to make sure that people know how to manage their money correctly during the school years?
Now, this would have hardly been a problem if, outside school, we had reliable resources to teach us all about money management. Sadly, this is not the case. Outside, we only have three resources to rely on—our family, our peers, and the society at large (including media).
Our family will be the first to teach us what to do, but we can hardly expect them to provide expert opinion. At best, the conservative approach most of us grew up with isn't always the best way to go. At worst, the advice we get may be outright outmoded. From our peers, we can't really expect much either—they're probably just as confused as we are.
So we look up to society to tell us what to do with money—where to get it, how to keep it, how to make it grow. While there's a lot of good advice out there, there's also a lot of red herrings. The financial management landscape is dominated by people selling ideas that range from ludicrous to downright illegal. From get-rich-quick schemes to well-meaning but ill-informed advice (think stock trading), it's very hard for the everyday person to separate the wheat from the chaff. And there's a LOT of chaff!
While it may not be as important to humanity as goodwill or sticking to one’s values, money is a vital force in our lives—no matter what anyone says. It has always been, and always will be. And because it is so important, it will also always be a pain point. History is rife with stories of people who will do anything for money, and people who, no matter how they try, just cannot catch a break on the matter.
All for Money, Money for All
Money is such a desperate matter for many that they resort to shortcuts and manipulations. People easily fall prey to scams—just how many pyramiding schemes can you name right off the bat, promising extremely high rates of return for a measly investment, and disguising as legitimate businesses? These are usually ones that hard-sell people into buying into the business, not because they legitimately want to help people gain financial independence, but because their business model depends on getting as many people as possible before collapsing.
––––––––
But such shortcuts are ultimately doomed to fail. If there really are shortcuts, then don’t you think more people would be free from the clutches of paycheck-to-paycheck living? The fact is that very few people have actually made it, and those few who are able to do the impossible and actually gain affluence through these shortcuts are mostly destined to go back to whence they came. That’s because they reached financial wellbeing without being anchored to the proper foundations that will allow them to sustain it.
Those who are able to obtain financial prosperity and have been able to hold onto it have an entirely different philosophy. They built it from the ground up. Some would say that these people adhered to the old and time-tested notions of hard work and prudence, but in truth the secrets
to their success are a bit less romantic. Simply put, they started by understanding where their money is as of the moment, and sought ways to make sure it doesn’t diminish. With the exception of a remarkable few, all of today’s billionaires and millionaires started by making sure that they don’t lose money any more than they have to. The romantic idea of risking everything on one turn of pitch-and-toss
as Rudyard Kipling put it was never something the wealthy indulged in. Once they are sure they won’t lose any more money than is needed to make an investment, these people then worked to study the patterns of their chosen fields, to know the best ways to grow their money.
This is the same pattern on which this book is based. We’re not talking shortcuts. We’re talking about taking your time and sitting through the basics, making sure that you build upon the foundations. After all, a tree can only grow big and strong when it has roots to support it.
Money Is Meant to Be Simple
Aside from giving you all the important information you need to grow and prosper financially, this book is also focused on keeping things as simple as possible. The subject of finances can be very extensive and complicated, usually intimidating a lot of people.
Just check out the Financial
section of any book store, online or offline, and you'll see just how much people have to say on the topic! Instead of showering you with trivial information, such as how to choose banks for your savings account or how to choose blue chip
stocks, we will be sticking to bold strokes that outline the foundations