How to become rich from scratch in Russia: thinking, advice from successful people

Every second person in our material world thinks about how to become rich from scratch. The only people who don’t dream about big money are children and truly spiritual people to whom physical values are alien. The rest of the planet's population almost fanatically wants to get money in order to finally find happiness. Many documentaries have been shot on this topic and smart books have been written. All sources of valuable information, as one argues, wealth is not a coincidence, but exhausting work. On the way to the “golden” goal, all components of the personality are subject to reorganization: consciousness, self-esteem, life priorities.

Changing our thinking

The essence of all popular films about how to become rich comes down to one thing - the time-drawn advice “think like a millionaire.”

There is a whole science hidden under this mysterious phrase. World luminaries of psychology, in the course of numerous and long-term studies, have identified 7 main differences between poor and rich people:

People of low social class are more susceptible to external threats than wealthy sections of society. A poor person looks for and finds danger everywhere - education is only for the big, health is an expensive pleasure, justice exists only for wealthy people. Vigilance everywhere and in everything negatively affects not only financial well-being, but also life expectancy.
Poor people do not know what a sense of personal control over a stressful situation is. They tend to blame others for their failures and live in the past (if my parents had not divorced, I would definitely have become a billionaire). At the same time, rich people prefer to direct emotional outbursts towards achieving new goals.
The self-esteem of a low-income person is based on public opinion. Free money is almost always spent on improving one’s image in the eyes of others (a new phone, branded clothing, and it doesn’t matter what was bought on credit). A rich person will never follow the lead of an indifferent society - the concept of self-sufficiency eliminates the need to show off.
A poor person has more empathy for others than a rich person. Deep insight into other people's emotions often prevents you from becoming successful.
People from low social strata attribute their personal merits and achievements to events and coincidences. A wealthy person is fully aware of how he achieved success - only to his own strength.
Needy people tend to believe that social hierarchy is an unfair pattern given at birth. The “chosen” class, on the contrary, is clearly aware that only personal merit contributes to upward mobility.
And finally, a poor person only thinks about tomorrow, or at most about the prospects for a month. Rich - thinks several years ahead, which allows him to implement long-term projects with excellent financial forecasts.

Agree, is it difficult to just completely abandon your beliefs and become rich?

Everything that was instilled in childhood, formed in youth, and determined in adulthood has absolutely no meaning. Realizing this fact means taking the first step towards well-being. Hard work on yourself requires maximum concentration and inner inspiration. What is the best motivation to work? That's right - a goal or an accurate idea of why wealth is needed at all.

Goals and Intentions

You make the difficult decision to become rich consciously, and from that moment on you have no right to make a mistake. Now every second of time is allocated to achieving the goal. And here it is, an unexpected second difficulty. Most of us have some kind of financial desire - to pay off debt, buy a house or apartment, earn a decent pension. Tomorrow your mood will change and you will want to open your own business from scratch or buy a dacha in a deep forest.

Unfortunately, goals change easily and are often forgotten or ignored. When fleeting desires rapidly change in the mind, this is not a firm intention, but simply crazy thoughts, a game called “if only”. They have nothing to do with true intentions and therefore the dream of becoming rich remains only a pleasant bedtime story (makes it easier to fall asleep after a tiring day at work).

To make your golden dream come true, you need to fully focus on your goals. Only an analytical approach and qualitative analysis. Need a home? Write down all the components, down to the smallest detail:

location;
number of storeys;
area of the house and plot;
number of bedrooms and bathrooms;
material of walls, foundation and roof;
decor and view from the window;
furniture, appliances, dishes;
cars in the garage, etc.

How much did you end up with - 5, 10, 20 million? Now you can move towards realizing your dream. The mechanism is identical for setting any goals and is a good way to weed out “empty” dreams. Having thus analyzed your desires, you can quite realistically draw a picture of future wealth in which there are no debts, half a century of experience earning a pension, or the next flagship of Apple Corporation.

Only true goals and intentions hidden deep in the subconscious will help you become rich.

Finding compromises

We want to have a real ideal, we are in search of the best. Buying the best car, the most powerful smartphone or an apartment in the most respectable area is no longer so necessary. It’s better to forget about using the phrase “the best.” This will be a reason to change your mood for shopping and save significant money.

Life will become easier with one phone, one computer, one pair of casual shoes. These restrictions also apply to clothing. This will allow you to make a reduced number of decisions, reduce stress levels and will allow you to get closer to the answer to the question “ how to get rich .” For this purpose, it is better to review things and understand which ones are used in everyday conditions. Unneeded items are thrown away, sold or donated. This will allow you to feel relief and direct your time and energy to important things.

Valuable qualities

In psychology, there are whole theories about what set of qualities a person should have in order to become rich.

It makes no sense to delve into scientific research within the framework of one article; the works of doctors occupy more than one book volume. Let's look at the most valuable features:

Perseverance is the ability to overcome difficulties and learn from failures only lessons useful for future development, an essential component of wealth. A brilliant genius of exceptional tenacity was Thomas Edison. His famous phrase: “There were no failures. I discovered ten thousand ways that don’t work,” in response to a friend’s sympathy in yet another failed experiment, became a motto for all doubting people who are ready to give up after the first difficulty.
Faith – we are not talking about religion, although the experience of successful people shows that true believers, devout people achieve their goals several times faster than convinced atheists. Boundless confidence in the success of the project, its benefits for others, personal abilities and strength literally work wonders. It’s as if the body is mobilizing all its internal capabilities in order to direct them to conquer the peaks.
Knowledge - it is impossible to achieve the goal and become rich without “mental baggage”. This is a reflection of reality in the human mind. The greater the angle of internal vision, the greater the chances of reaching a straight road. A talented artist will remain an amateur if he cannot mix paints, apply specific stroke techniques and distinguish pencil leads by hardness. This does not mean that he will not be able to sell his paintings, but knowledge would help him reach a completely different level. And so in any type of activity, from astrology to cleaning the premises.
Propensity to work - you rarely meet a person who wants and loves to work. For the most part, people want to rest and relax, this is a feature of modern “Homo sapiens”, freed from the main dangers of the surrounding world. But, as it turned out, during an interesting psychological experiment, performance depends entirely on passion for the task. In other words, doing what you love will have a greater chance of success than being forced to do something. An example is classic employment at the main place. No matter how qualified and experienced a person is, if he looks at his watch every 10 minutes, waiting for the end of the working day, he is not in “his” place.

All of these qualities can be developed by any person. As a rule, they are formed in parallel.

That is, the deeper the faith becomes, the greater the desire to work, and as knowledge accumulates, perseverance and firm confidence in one’s abilities and opportunities to become rich appear.

Thoughtfulness in everything

Happiness is not measured by the amount of money spent. Everyone has a certain amount, after which purchases no longer bring as much happiness. It is better to find a middle ground and not exceed expenses. Even constant pleasure becomes boring.

It's about the joys of food, travel and shopping. After some time, they are no longer a source of strong sensations. Take care of certain savings.

The best option is to buy basic clothes, a regular car and choose practical things. Develop inner wealth and think less about shopping.

Free time and energy need to be spent on something really important. Stop thinking about the brand before purchasing and gradually the value of some things will decrease. The same applies to their attractiveness.

Stories of rich people

The experience of successful people is a valuable story of personal development from which you can draw inspiration and motivation.

Joanne Rowling

“The Boy Who Lived” brought its creator, British English teacher JK Rowling, $650 million.

This is how Forbes magazine assessed the writer’s condition as of December 2021. It is noteworthy that Joan was a dollar billionaire in 2004, but lost her status due to charitable donations in the amount of $200 million. In 1993, a young, creative girl was literally left with nothing - divorced, without a job and with a small child in her arms. But there was an idea that was slowly but surely coming to life - 3 chapters of the legendary Harry Potter were waiting for their finest hour.

Four years before the publication of the first volume of the novel, JK Rowling experienced all the hardships typical of poor people - surviving on unemployment benefits, depression. Much of the black streak was reflected in books about the magical world. But in the end, Rowling, in a relatively short period, became the first person in the world to earn wealth from just one story - an unprecedented case in the literary community. The example is worthy of emulation or at least careful study.

Hamdi Ulukaya

An American billionaire of Turkish origin, he is annually included in the rankings of the richest people on the planet with an impressive fortune of $1.7 billion.

Hamdi created his Chobani yogurt empire from scratch. A true provincial, Ulukaya was born into the family of a Kurdish farmer. Despite his nomadic lifestyle, the young man received a good education - he graduated from the Faculty of Political Science in Ankara in 1994. I decided not to stop there. At age 20, he moved to the United States to study English at Adelphi University in New York.

In 1998, Hamdi Ulukaya took a job with a private farmer in upstate New York. A visit from his father that same year marked the start of his own business. The hereditary farmer categorically did not like the local Feta cheese and he suggested that his son import a quality product from his native Turkey, of course, his own production. In 2002, it became the first brainchild of Ulukai. The business brought income, but even more problems. For 2 years, Hamdi overcame numerous obstacles to develop his own business. In 2005, he accidentally came across an advertisement for the sale of a yogurt factory. After inspecting the building and equipment, the young entrepreneur decided to buy the plant, contrary to logic, debt and the advice of financial advisers. Taking advantage of the state program for lending to small businesses, Ulukaya began a thorny but successful path to the top of material well-being.

Hamdi Ulukaya states in numerous interviews that anyone can get rich if they are honest, persistent and true to their goals.

Oprah Winfrey

Oprah Winfrey is not leaving the rankings of the richest people in the world. A difficult childhood in a dysfunctional family did not break, but only strengthened the girl’s determination to achieve something worthwhile in this life. Pregnancy at 14, the birth of a stillborn child - events that completely influenced the development of Oprah's personality. Against the backdrop of a gradual slide into the abyss, the mother of the future celebrity makes the only right decision - she sends her to her father, in another state.

At the age of 15, the girl ends up with a strict, but more prosperous parent, who made getting an education a priority. During the year of the “strict regime”, Oprah was able to become one of the most successful students, win several major competitions and take her first steps in journalism.

The active and eloquent girl’s talents were quickly noticed by influential producers from the media environment. At 17, she was already a full-time reporter. In 1986, at the age of 31, Oprah Winfrey launched her own show, which made her not only famous throughout the world, but also a very rich woman. The list of awards, achievements, charitable and commercial projects of the TV presenter can be listed endlessly. But there is only one conclusion - it all depends on the person and his attitude to the situation. Some people learn valuable lessons and conquer heights, while others fall painfully from the heights they were born with.

This is only a tiny part of the influential, famous and very rich people who started their business from scratch, having behind them only boundless faith in their own capabilities. They have a lot to teach aspiring entrepreneurs. If a black girl from the ghetto, an unemployed divorced woman, or a Turkish Kurd from the provinces managed to get on the Forbes list, then anyone can do it. You just need to know where to start.

Own business

Opening your own business is a reliable, time-tested way to solve the question of how to become rich.

All representatives of the elite are businessmen in different spheres of the economy and industry. Feel free to join the ranks of millionaires. Moreover, today you can start developing your own business almost from school. Entrepreneurial activity is conventionally divided into two large classes - with initial investments and without investments.

You can open a business from scratch:

as an intermediary - dropshipping;
selling things on free classifieds sites;
providing services - tutoring, consultations, translations, repairs;
become a realtor;
start freelancing;
monetize your hobby.

For a more serious start, you will need start-up capital. But there are so many options that you can easily choose with minimal investment:

buy a franchise - thousands of offers in all areas of business, from the auto business to retail;
create a profitable website (blog, information page, online store, social media account);
organize a business at home - manicure, atelier, hand-made, etc.

If you deeply study the ideas and suggestions, you will find that at least 10 methods are ideal for you. As turnover increases, new outlets are opened, production facilities are expanded, and partnership agreements are concluded with large companies. It is clear that the diagram drawn is conditional and in life it will be far from easy to implement plans. But the main thing is to start.

Talk like a millionaire and become one: 15 words and phrases for your vocabulary

What surrounds you is the result of your thoughts and words. If you speak like a poor person, then the problems will only increase.

Millionaire's Dictionary:

conversion ← waste;
I can afford it;
I am worthy of a luxurious thing, soon it will be mine;
with every step I get closer to my goal;
I’ll use this money to go around the world, etc. ← I’ll save it for a rainy day;
my investment is returned threefold;
every investment brings benefits;
I attract money;
I am surrounded by better opportunities;
enrichment, saturation and expansion;
I live in abundance;
thank you for…;
I work at will;
I have enough time to do all the planned things;
my capital is growing every day.

Stop talking and thinking like this and magical changes await you:

terrible;
I do not have enough money;
I was not born into a rich family, I will not become like that;
All rich people are thieves, but honest people can’t earn that much in a lifetime.

When you change your vocabulary, interesting financial ideas will come to you. Some will seem stupid - don’t be lazy to write everything down.

Investments

There are many types of investments to become rich. They are selected taking into account the individual characteristics of a person: temperament, age, character (propensity to take risks). But the investment mechanism is identical in all cases. For clarity, let's break it down into several stages:

Drawing up a financial goal. The concept of “wealth” is different for each person. For some it is money, for others it is property. But for everyone, without exception, there is a financial goal, with different costs and deadlines for achievement. At the first stage, a list of tasks is compiled. For each, the price and sales period are determined. For example, pension savings - 30 years and 20 million rubles, country house - 5 years and 5 million rubles.
Determination of the amount and profitability of investments. A person wants to receive 50,000 rubles a month in 30 years, after retirement. The capital that gives such an amount per month is calculated using the formula 50,000 x 12 = 600,000/0.06 = 10 million rubles. But during this period, inflation will reduce the purchasing power of money, so the required amount is multiplied by a factor of 2.66 (average inflation rate). Total: 26.6 million rubles. The estimated return on investment is 12% per year. This means you will need to save at least 20,000 rubles per month.
Choosing an investment strategy – active or passive. In the first case, investments are subject to constant, frequent analysis. In the second - “buy and hold”.
Investment portfolio distribution. You can invest in shares, securities, bank deposits, real estate. The ratio depends on the goals, investment period and propensity for risky financial transactions.
Selection of investment instruments. For passive investors, these are mutual funds and ETFs. Any stock exchanges are suitable for active ones, where you can buy/sell securities almost every day.
Regular updating of the investment portfolio. Even for passive investors, this step is mandatory, because the economy is very dynamic, and the value of the portfolio should remain at least at the original level.

The topic of investment requires detailed study and careful preparation. Don't neglect financial education.

You cannot become rich without basic economic concepts.

Real estate

Real estate investors are, a priori, people who strive to become rich. To generate income, it is not necessary to have a huge capital; moreover, you can use a mortgage to purchase your first property.

The strategy is simple - invest money in real estate that is potentially attractive to a wide range of people (a modern residential complex, an old building in the city center, a country house in an area with developed infrastructure). Prepare the premises for renting - make repairs, buy furniture, equipment (rental cost increases 2-3 times). Find long-term tenants and receive passive income.

Thus, you create your own financial “safety zone”. By relieving yourself of worries about the future (being fired, fear of losing clients from a freelancer, possible illnesses), you free up valuable time for planning and self-education. According to analysts, a person feels free and confident with an income of $1,000 per month.

Another option is to resell houses, apartments, offices. The bottom line is that you invest in real estate at the construction stage (preferably up to 2-3 floors), after putting the property into operation (1-2 years), you make cosmetic repairs and sell the property for 40-70% more. You can also use mortgages and consumer loans for initial investments.

As soon as passive income from real estate reaches 150-200 thousand rubles per month, you can start investing in other assets (stocks, securities). By gradually increasing investment turnover, you can reach a constant profit of 1,000,000 million rubles per month in 1-2 years. And this is practically the finish line on the thorny path to obtaining wealth.

Stock

Investing in stocks is the same as investing in a business. An ideal financial instrument for people who do not have start-up capital or are simply not ready to open their own business.

A shareholder can receive income in two ways:

Dividends are passive income, which is accrued based on the company’s performance once a quarter, for 9 months or a year. To obtain significant income you will need serious capital.
Exchange rate differences – trading on the stock exchange. You can start with 1,000 rubles. The best option for novice investors. You can become rich here in just a year, as well as lose everything in one moment. This type of investment requires an analytical mind and solid knowledge of economics.

Regardless of the chosen method of investing in shares, experienced entrepreneurs advise adhering to three golden rules:

Study in detail the business in which you are going to invest money.
Find companies with reliable management teams (preferably with many years of experience).
Learn to evaluate stocks in order to buy at the optimal price and not make your investment unprofitable.

To gain valuable experience, choose a reliable broker. For example, Tinkoff investments are optimal for a successful start into the world of big money.

Where to get money for business without getting a second job

You already have the money. Use these rules to free up some funds:

If you're begging yourself to buy something, don't do it.
Allow yourself little joys. Remember, it is better to choose an experience, not a thing. They will expand your consciousness and leave pleasant memories longer.
Don't buy too many items of the same category. Stick to minimalism.
Stop advertising. Ignore billboards and don't watch TV. Install ad blockers on your phone and computer. You will notice how you buy less.
Use cashback services.
Raise prices for your services. Only that part of the clients who wanted to buy the work for pennies will flee.
Dedicate 50–70% of your available funds to a cause that will grow into your business.

Don't make a cult out of money. Remember about family and health.

Securities

Bonds are of interest to investors.

But before practice, it is better to “practice” on stocks in order to gain sufficient experience and qualifications. Bonds have a complex classification and not everyone is suitable for becoming rich. Securities are selected according to the following criteria:

Profitability – coupon and exchange rate difference. A coupon is an analogue of bank interest, paid once a quarter, half a year or year. The average rate today is 8%. Exchange rate difference is speculative income received from resale on the stock exchange.
Amortization – the par value of bonds is not repaid at the end of the term, but in parts throughout the entire period of circulation of the security.
The maturity date is when the face value is paid.
Reliability – the best option is government bonds issued by the Ministry of Finance.
Liquidity is a measure of how easy it is to buy or sell a bond. The more trades are conducted and transactions are completed, the better. You can evaluate it on special websites or in a trading terminal.
Taxes - some bonds are subject to state duty, so that there are no unpleasant surprises, you should pay attention to this nuance before purchasing securities.

You can calculate the yield of securities using a bond calculator (just type it into the search bar in your browser).

Bank deposits

Classic deposits are more likely to protect money from inflation, but not a tool for enrichment. To live comfortably on interest, you must already be a millionaire. For example, for a monthly profit of $1,000, you need to keep at least 8 million rubles on deposit. Theoretically, this money can be accumulated in 20-30 years. To become rich in the short term, this period is not suitable. Therefore, we consider deposits as a “safety cushion” during active efforts to improve financial well-being.

Before storing money in a bank, we study the following points:

deposit insurance - the bank must be a participant in the state DIC (deposit insurance system), otherwise the legality of the activity is called into question;
interest payment – monthly, at the end of the term;
deposit terms – the longer, the higher the interest rate;
profitability – annual interest (currently at the level of 7-8.5%);
bank reliability - give preference to large organizations, even at the expense of a couple of points of the rate;
do not keep all your money in one bank - distribute your capital between several financial institutions if the goal is to save money for 1-2 years or create a “safety cushion” for the period of establishing your own business.

When choosing a bank, use specialized websites sravni.ru or banki.ru. There are convenient ratings that are constantly updated, therefore, the information is always up to date.

mutual fund

Mutual investment funds pool the investments of all investors and then manage them through their own management company (management company). Thus, each investor has a share in a large portfolio, which is confirmed by securities - shares.

Mutual funds are:

securities (bonds, shares);
universal (mixed investments);
venture investments (high risk);
index (bet on the dynamics of the corresponding stock index);
real estate;
credit (investments in microfinance organizations);
commodity market;
antiques, art;
long-term direct investments.

Investment opportunities in mutual funds are extensive and versatile. You can create very effective portfolios with returns of up to 100% per year. But most investments have a much more modest rate - 10-15%. It all depends on the talent of the management team. Therefore, take the time to study the funds, in particular reviews on the forums.

But in any case, for beginners it is one of the best options to gain wealth with minimal risks and investments (the entry threshold starts from a budget 1,000 rubles).

Become an independent person

According to statistics, more than 80% of people in the world are dissatisfied with their lives. Someone goes every day to a job they don’t like, someone is dissatisfied with their personal life, unworthy salary, the city in which they live, and their surroundings.

These people allow circumstances to control them, and they themselves cannot change anything, because “the family won’t approve, I’m not the right age, I won’t find a better job, they’ll laugh at me.”

Especially for these 80% of people, including you (after all, you are also dissatisfied with your life because you are not yet successful enough), I wrote the book “From Victim to Hero: The Path of a Strong Man,” consisting of practical tasks and exercises, completing which, you will stop allowing people and circumstances to control you, learn to stand up for yourself, speak out loud about what you don’t like, and most importantly, you will finally begin to change your life.

I used many tasks and practices with my clients in psychological consultations, and included in this book only the most effective and guaranteed tasks and exercises that help them take life into their own hands. The book will allow you to step out of the role of a victim and become an independent person. You will finally begin to change everything that does not suit you in life.

You can read the description and reviews of the book, and also purchase it using the link.

On one side of the scale lies fear - on the other there is always freedom!

Charity

Charity as such, of course, will not bring wealth. The concept is so complex and controversial that many reject helping their neighbors, motivating their beliefs with elementary questions: “Who would help me?” or “Why should I give away what is rightfully mine?” But there are also laws of equilibrium and balance in nature. Being fixated on the material aspect does not allow you to fully realize the fact - the more you give, the more you receive. This has not been proven by science, which means it is not true. But man has not yet come to understand many physical phenomena of the atmosphere; huge sciences such as astronomy and cosmology have not been studied. But this does not mean that air, other galaxies and universes do not exist.

Charity becomes a psychological technique to trigger a command to your own brain: “I have enough money to not only provide for my needs, but also to help people in need.” The mind will find a way to effectively interact with reality to make the installation work. The vast majority of billionaires and simply wealthy people engage in charity work. Whatever their motives, the results are obvious - their wealth increases every year, which can be tracked in the Forbes ratings.

Experts in the field of big money advise having two savings accounts at once - one savings account, the other a charitable one. What percentage of income to transfer is up to you to decide. But the generally accepted donation standard is 10%. The rate is not random, it has ancient roots (described in the Old Testament) and a clear definition of the “Law of Tithe.” According to the rule, by giving away part of your money, you launch powerful processes that lead to even more material wealth. But it is important to understand one point - this is not a bribe, not an investment, not a ransom for sins. You pay because you already have, that is, you disinterestedly, joyfully share your energy with disadvantaged people.

What's stopping you from getting rich?

The most common reason is, of course, laziness. Those people who have a desire to get rich while sitting at home on the couch will never achieve their success. A person must be obsessed with his goal of getting rich, otherwise nothing may work out. People love money when they earn it through their own work. Those who are comfortable not deciding anything themselves, but following the orders of their boss, will also not be able to get rich.

Because, first of all, it is convenient for them to obey, and they are afraid to take responsibility. And money is such a thing that without responsibility and a head on your shoulders, it will not appear in large quantities. Therefore, it is worth thinking before you want to get rich. Or maybe you will really be more comfortable working for strangers than for yourself?

Errors

Becoming rich means reconsidering your habits, lifestyle, environment and attitude towards money. But even after scrupulously completing all the points, you may be faced with the fact that material values have not increased.

Most likely, typical mistakes were made:

You work with great diligence... in the same place. The fact that you have taken on additional responsibilities or become more responsible for your work will not increase your wealth. Only a small salary increase is on the horizon. Look for additional ways of income, outside the standard format of working “for someone else’s uncle.”
You are too focused on saving. Total savings, mandatory savings in the form of 20% of the salary, but no more money is made - a typical mistake of a novice oligarch. It is necessary to simultaneously increase your income, then the result will not be long in coming. For example, you earn $500 a month, of which $100 goes towards a deposit. It will take 83 years (!!!) to get $100,000. Isn't it too long?
I am quite satisfied with the current level of income. Perseverance, knowledge and work have borne fruit - you began to earn not $500 a month, but $3,000. This is quite enough for a comfortable life and travel, nothing more is needed. Well, all that remains is to congratulate you - this is your personal level of wealth. Not a single billionaire stops at the level achieved. There is always, a priori, little money.
You haven't started investing yet. On average, millionaires annually invest 20% of their income in promising projects. Wealth in the elite environment is measured not by earnings, but by investments - the more, the richer, accordingly. You don’t need to be a genius, a brilliant financial expert, or earn a lot of money right away. Start with affordable investments in mutual funds or securities through a broker.
Chasing someone else's dream. To be successful, you must love your job. If the profession became the result of the desires of parents, the influence of friends, the advice of relatives, then there will be no result. The key to wealth is passion and love for your activity. Analyze what you like most in life.
You have no plans for future “big” money. Rich people prefer to strive to achieve a certain level of wealth. This requires concentration, courage, knowledge and a lot of effort - but it is possible if there is a clear vision of what to do next with the benefits received.
Spend, then save. If you want to become rich, you need to save your money first and then pay your bills. Once you receive your salary, immediately put aside the interest on a deposit, and use the rest for mandatory monthly expenses. Not enough - look for additional income.
You still think that you don't deserve to become rich. Most people believe that wealth is a privilege available only to the lucky ones. But there is only one truth, you have every right to become a wealthy person in any civilized society, to which Russian citizens undoubtedly belong. Start with the question: “Why not me?”

Correcting mistakes is hard, voluminous and, most often, long-term. Again, it all comes down to a universal solution - don’t delay, work on yourself today.

Key Factors

There is no single answer to the question “how to get rich quickly.” Don't just care about wants and needs. Pay due attention to the people around you.

At the same time, this can be an additional source of information and benefits. But at the same time, pay due attention to organizing your social circle. And with the support of experienced and successful people, personal and professional growth will come soon. Companions can also provide additional support.

You need to distribute money wisely. We are talking about investments, savings, and searches for new sources of income. Focus on broadening your horizons.

Successful people, due to the correct distribution of available funds, experience a significant increase in their income level. Before making a purchase, you need to weigh carefully. Impulse buying is now a thing of the past. A good solution would also be to plan your monthly income. Even a small salary will allow you to make small savings.

Adviсe

To become rich, put into practice the advice of accomplished people. They can be found in interviews, biographies and books. We present to your attention the most effective recommendations.

Get started now

The sooner you take action, the faster you will achieve financial freedom. Regardless of your current financial situation, save and save money today. If your salary doesn’t allow it, find additional income. Fortunately, in the world of high technology, there are enough ways to earn an extra 100-200 rubles a day. And don't let the amount fool you. Remember one thing - a long journey begins with a small step.

Automate your savings

The biggest enemy of wealth is yourself. Too often a person gives in to temptation and spends more than he can afford. As a result, there are no savings, but only debt obligations. The best way to protect money from your own weaknesses is to automate the savings process. This means regularly transferring a certain amount from your salary/debit card to investment or deposit accounts. Thus, you not only get rid of bad habits of buying unnecessary things, but also save money that will probably go “nowhere”.

Live modestly

Have you ever met a person who aroused sympathy with his ascetic lifestyle, and later it turned out that he was actually a dollar millionaire? If not, read the amazing stories of extremely frugal rich people. We do not call for giving up all material goods and fanatically saving every penny, to the detriment of healthy eating, quality clothing and personal growth. But before buying another pair of jeans from a super fashionable and mega expensive brand, think about whether you really need a thing whose price is at least 100 times higher. The healthy habit of spending minimally and wisely will bring tangible dividends in the future.

Avoid temptations

There are a million temptations around to live beyond your means. Television, magazines, friends, family, colleagues - purchases are imposed everywhere, touching the most sensitive strings of consciousness. Why am I (my wife/husband, child, parents) worse than others? You definitely need to buy the same phone as manager Sergei or a TV like cousin Lena. The problem is that impulse purchases often lead to debt and long-term financial instability.

Dealing with an information attack is not easy, but it is possible: avoid shopping centers, send all advertising on e-mail to spam, firmly learn to say no to yourself and loved ones when it comes to expensive, but in many ways useless household items.

Get an economic education

Successful people take the time to learn key financial concepts. Information can be obtained from special magazines, television and Internet channels, and finally, books. Make it a rule to read financial news instead of gossip about other people's lives or empty communication on social networks. And let it be boring, unclear, uninteresting at first. Within a week, the puzzle will begin to form into a picture, understanding will come, and with it knowledge.

But be careful and selective, do not take all the information on faith. And listen especially carefully to investment advice - there is a high risk of running into scammers and delaying getting the desired wealth for a long time.

Change your environment

A person is defined by his family, friends, colleagues. And if loved ones need to be accepted, understood and loved, then you can part with everyone else if the only plus in communication is to have fun celebrating another holiday. It is difficult to become rich by working as a mechanic at a factory or having a circle of acquaintances whose only goal is to wait until Friday and celebrate the end of the week in an enchanting way. Again, this does not mean that you have to give up all attachments overnight. No, on the contrary, communicate more, meet new people, make friends. On the path to success, “natural selection” will still occur. It is within your power to speed up the process.

Practice Psychology

Learn the art of communicating with people. Communication skills with elements of manipulation will help to form a positive circle of acquaintances who will be able and willing to support you in the future. Making a first impression, being liked, and getting your interlocutor interested from the first minute are valuable qualities. You can’t do without psychological techniques here. Therefore, read, learn and put into practice the advice of the world's “gurus”. There will definitely be tactics of behavior that will unconditionally suit you personally.

Constantly think about how to become rich

Dreams are very good, they motivate and inspire. But we still need ideas. Without thinking about ways to earn money, the necessary thoughts will not just come into your bright head. Go through options, imagine situations that contribute to generating income, try on any role - from a world cinema star to an oil tycoon. It is advisable to write down every idea, no matter how ridiculous it may seem. A month or two of thought and the first fruits will appear - real and feasible methods of gaining wealth in the near future.

Combine everything at once

Reflections on how to become rich, a deep analysis of one’s own personality, and self-education are perfectly combined with actions. Theory + practice = success. No one is stopping you from improving your skills while you are preparing to open a Chinese goods store or investing in shares of well-known companies. Speed up, try, make mistakes - luck loves the persistent and purposeful.

Focus on your talents

Every person is given abilities from birth that can be developed and improved at any age. It is a deep mistake to think that nature has deprived you (a belief common to every second inhabitant of the planet). Surely there is something that you can do better than your family, friends, colleagues, residents of the area, city, etc. You knit, sew, cook brilliantly, nail shelves, install programs, repair household appliances - monetize your skills. A business based on hobbies, interests, knowledge is the best option to become rich.

How to increase income?

Regardless of your existing condition, if you have debt, the ways to get rich from scratch become more complicated. To pay off debts and maintain the required standard of living, you will need to work hard. It is better to avoid such situations.

If we are talking about starting your own business or creating a project for which you will need to borrow a large amount of money, forget about this idea. You should only start if you can pay the costs yourself. This will reduce the risk. And in the absence of funds, a search for a creative approach to problems occurs.

The question “ How to become richer ?” does not assume that it will be possible to buy everything that just arises in your thoughts. By wealth it is assumed that there are no more needs due to the presence of what is needed.

Even a billionaire will become poor if he constantly asks for more. Even if he has real estate all over the world, but his friend has a private spaceship, envy will push him into rash purchases. We feel lacking in something when compared to rich people. You need to compare in the opposite direction. With this in mind, today's lifestyle will be sufficient.

Conclusion

If you want to improve your lifestyle, expand your horizons, become rich and independent, you need to get out of your comfort zone and go on an exciting journey through the financial world. Every step, new knowledge or valuable experience, allows you to create additional sources of income and completely rebuild your life. Personal freedom, the ability to manage time, doing what you love - already halfway through the journey, the quality of life will noticeably improve. If you are reading this article, then you are already ready for change. Diverse information in the early stages is a key moment in the formation of a future millionaire.

Leave comments, ask questions, rate and criticize. Share your concept of wealth - is it just money or freedom from material worries?

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Author of the article Anna Gromova Accountant

Books about the path to wealth

There are several best-selling books on the topic of wealth. All these books have become legends, so I recommend reading them.

Robert Kiyosaki's book "Rich Dad Poor Dad";
Napoleon Hill's book "Think and Grow Rich";
Carl Richards "The Psychology of Investments";

I recommend watching an interesting video with Brian Tracy: “how to become a rich and successful person”:

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