How to become a millionaire from scratch – TOP 5 proven methods + main stages and practical advice for future young millionaires

24.02.2015

How to become a millionaire

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Everyone would like to become a millionaire, but there is a misconception that only politicians or businessmen can do this. Or their children. However, for more than 200 years in developed countries a simple way has been discovered on how to become a millionaire from scratch . And for this you do not have to manage a state corporation or create an international IT company. But first things first.

Why do some easily earn millions, while others work hard for pennies?

The root of all problems lies in the fact that you misunderstand how to get more money and what wealth is. Since childhood, our parents have instilled in us that only hard and persistent work will help us achieve what we want. As a result, after school you go to college, then go to work, often not even in your specialty, selling your precious time for pennies, enriching other people.

The poor always measure wealth in concrete amounts. Everyone has their own financial ceiling. For some, 50,000 rubles is enough. per month in order to feel satisfied, others, even receiving 10 million rubles, want 20 million rubles. and so on ad infinitum.

The correct definition was given by the American oligarch Robert Kiyosaki: “Wealth is the amount of time you have free from work, without needing money.”

Signs that you are enslaved by the psychology of poverty:

1. Spend your salary without leaving any savings. Go to the store and buy things that will gather dust: brooches, a hundredth cup, etc. Ideally, your bank account should contain an amount on which you can live for a year without working.
2. You don't count expenses and income. As a result, you spend more than you earn and plunge into poverty.
3. You live on credit. In emergency situations, you can borrow money. When there is a fire, and the house is not insured, or you urgently need to change the electrical wiring of the house, but your wallet is empty. But you can save up for a newfangled phone, boots or a cruise on your own.
4. Watch TV and useless talk shows instead of self-development.
5. You complain about life, health, the state - continue the list yourself. While you are looking for those to blame or those who will solve your problems, forget about wealth. When you understand that you are the creator of your destiny and all events are the result of your actions and thoughts, then count on success.
6. You are doing something you don't like for hire. I’m not advocating that you quit your job right now, but slowly move away from it. Every day, dedicate half an hour to what you love, take a step towards monetizing it. And after 6–10 months, calmly quit.
7. Are you looking for income without effort? My mother’s husband wants to earn money without doing anything, so he always ends up in stories: either he’ll cheat him out of money, or he’s wasting his time.
8. Give thanks for everything you have. You have your own house, but you complain that there is no European-quality renovation. Parents love and accept, but there is no relationship. Remember, it can always be worse than now. Until you learn to love everything you have, wealth will not make you happy.

Have you found at least one symptom? You can recover from poverty when you read the article to the end and implement each piece of advice into your life. The Americans found out that 99% of people who suddenly won the lottery ended up badly: they drank themselves to death and became beggars. All because they thought like the poor and were not ready for such amounts. Don't worry, you won't be in danger - you'll be thoroughly prepared.

How to become rich: important tips from millionaires

• The owner of the McDonald's chain, Ray Kroc, advises putting persistent and persistent goal achievement at the forefront of your activities.
• For the current American President Donald Trump, the key concept in achieving success is a realistic view of things, parting with illusions, and pragmatism. Trump also advises not to interrupt your progress towards achieving your goal even for a day, without rest and relaxation.
• IKEA founder Ingvar Kamprad believes the main thing is not to think of anything as impossible.

Founder of IKEA

• Media mogul Rupert Murdoch teaches the ability to make independent decisions, and the legendary Steve Jobs argued that you should only do what you like.
• Billionaire Paul Getty insisted that in order to make a billion, you need to have the mentality of a billionaire.
• Actively putting all ideas into practice is what the creator of Virgin, Richard Branson .
• The famous Henry Ford advised not to save capital, but to invest it in business development.
• Philanthropist Warren Buffett emphasizes that you need to buy only what will be valuable to you in the next few years, and not today.
• Businessman Robert Kiyosaki gives priority to value rather than price.
• American billionaire Mark Cuban sees the secret of success in saving on personal expenses and the willingness to constantly learn new things.
• The head of the Starbucks coffee chain, Howard Schultz, recommends not setting small goals for yourself.

Making money with the advice of millionaires
Perhaps such recommendations will help you become, if not a millionaire, then at least a rich person.

Exercises that will get rid of the psychology of poverty

Perform 2 months every day to feel the results.

Allow yourself to be rich, get rid of envy

When you start working on a goal, the critic inside you says: it won’t work. Since childhood, our family has given us attitudes towards poverty: “the rich also cry,” “for the sake of big money you have to sacrifice happiness,” “oligarchs are bad people.”

Let's replace negativity with confidence in success with a simple exercise:

1. When you don’t believe in your strength, sadness from the lack of money and opportunities takes over you - relax.
2. Imagine that you got rich, bought and did everything you dreamed of.
3. Remember the rich people who were envied. Now you have more money than them. You favorably direct financial flows to them until they are satisfied.
4. Now watch how the flows directed to others return threefold. The more you give, the more you receive.
5. Give thanks for everything you have, say: “I am worthy of wealth!”

Do the exercise every time you have bad thoughts.

Replace negative beliefs with positive ones

Find a quiet and peaceful place. Close your eyes. Imagine a negative belief as a phrase with a picture. It gradually changes to positive along with the words.

Reinforce the exercises with films, books, stories of friends, where there is a belief opposite to the negative one.

Set up your brain for success

Imagine that you are in a fairy tale. You need to get to your castle. But suddenly obstacles appear in front of you: walls with poisonous spikes reaching to the sky, hungry predators, evil sorcerers. You can deal with them in any way: become invisible, walk through walls, breathe fire.

The exercise will teach you that you can emerge victorious from any situation in life. You will not give up at the first obstacles and will open a million-dollar business.

Millionaires in the world and in Russia table of dollar millionaires

To contents

The number of dollar millionaires in the Russian Federation in 2020 increased to 132,000 people, which is 10% more than in the previous year. At the same time, in Europe their number decreased by 4%. Below is a list of the 18 countries with the largest number of rich people:

It is important to know! In just four countries, more than 60% of millionaires live - 9.411 million people.

Adjusting your thinking to the wave of wealth: 23 principles

We have already driven out the poor and unfortunate and are ready to master the 23 main laws of wealth that millionaires use.

Advice. Write each rule on a sticky note and stick it to your desk to create a habit.

Look for a way to increase your income

Stopping at an income that allows you to make ends meet is the lot of the poor. The rich do everything to earn more and do less. Expand, delegate tasks to employees.

Example. Ivan is an SMM manager, he has collected as many projects as he can handle. If he takes more, either the quality will deteriorate or he will stop sleeping. If we increase the average bill, we will still hit the financial ceiling. Exit: open a digital agency, give orders to employees, monitor quality and take a percentage of the transaction.

Dream and do

Write down your main dream on a piece of paper and break it down into small steps. Take action every day, imagine and you will be surprised where you will be in a few years.

Do you think that dreams are for romantics? Just remember Henry Ford, who wanted to make the car accessible to everyone. I can give a hundred such examples. Your deepest desire will make you successful.

Connect with like-minded people

You can become infected by anything from your environment: negativity, positivity, an idea, and even poverty. Remember this when looking for friends or a soulmate. Communicate with kind, successful, like-minded people who have a lot to learn from. Avoid whiners who are used to blaming everyone around them, although they themselves do nothing.

Don't be jealous

There is no such thing as white envy. Low self-esteem and laziness cause anger and irritation towards other people's achievements. Sometimes the success of others is so infuriating that we subconsciously inspire ourselves: “Such things are not for us” - and in every possible way we fence ourselves off from what we want.

Learn to benefit from the experiences of others: yeah, he studied a lot; this girl did not take out loans, but kept her savings in foreign currency, etc.

Every time you pass by a luxury car or villa and say with envy: where did he get this from? Come up and ask how he achieved it. You will understand that behind luxury are hidden years of work.

Paint a clear picture of the future

Imagine where, how and why you will be in 5 – 10 years. Who you communicate with, where you get your income from, what problems you may encounter and your decisions with consequences. By doing the opposite, you will not go astray.

Always think about making money

Think about how to make a million every day. At first you will think this is nonsense. But after a while you will be visited by simple ideas that are brilliant.

The author of the “Master is OK” channel, Anastasia Madeira, once stopped thinking about a million in the abstract. I really thought about how many products you need to earn that amount. She now lives in a villa in Spain.

Find a passive source of income

Think about what could bring money without your participation? One good option is affiliate programs. People buy a product/service without your participation, and you receive a commission from the transaction.

Keep a success diary

Our brain savors the sadness of failure, and the joy of achievement quickly evaporates. Get a notepad. Write down even the smallest successes there. For example, today I bought hosting and a domain for the site, came up with a name, etc.

Always learn and develop

When you turn up your nose and think you know everything, life brings unpleasant surprises. Checked personally.

Information businessman and millionaire Azat Valeev advises: when you come to a training, communicate with another person, be silent and listen. Every person has the right to their own point of view.

Read books about efficiency and business, sign up for all kinds of webinars, discuss ideas with your team.

Knowledge is the best investment. You can lose your house, your car, anything but that.

Make the most of every minute

I thought for a long time about how people become rich, and I found the main answer: they spend every minute on business, self-development, and maintaining health.

Millionaires don’t watch TV shows or hang out on social media feeds.

Think about whether you are making your dreams come true

Advertising and the environment can impose their desires, the implementation of which is unlikely to make you happy. For example, get a higher education. Always remember: money is an attribute that will be added to your destiny.

Learn to control your emotions

I quarreled with a young man - that’s it, I won’t work, long live chocolates and melodramas. As long as negative and positive events throw you off balance and disrupt your plans, success will not be seen.

A Japanese information businessman I know always works, no matter if he has a quarrel with someone or his leg hurts. Thanks to his hard work, he has traveled halfway around the world and lives in the best hotels. Every month he earns more than 240,000 rubles.

Become a leader

Leadership skills can be developed. Organize events, hire a freelancer and outsource some of the work if your situation allows. The essence of leadership is to make decisions and take responsibility for any consequences.

Don't rush to get everything at once

Most millionaires started from scratch. Profits, investments, and business grew gradually. Today, define a goal that is realistic for the average person. For example, open a website, hire a couple of freelancers, etc.

The owner of casinos, hotels and $26 billion, Sheldon Adelson has been selling newspapers since he was 12 years old. His life took him everywhere, both to a brokerage firm and to journalism. Only 20 years later he organized a computer exhibition, which brought him hundreds of thousands of dollars.

Learn the basics of marketing

Marketing skills will come in handy more than once during negotiations when partners find it difficult to sign a contract.

You will have better control over the work of advertisers. One mistake can cost hundreds of thousands. Yes, and if you are going to get rich remotely, then with marketing you will sell your services at a high price.

Don't buy luxury items from your first profit

Having felt the taste of money, you want to emphasize your status - buy expensive things. Stop. Invest 70% back into the business. And leave the purchase of luxury things for the moment when you achieve financial success.

Tell everyone about your plans

The universe will help you and connect you with the right people. Set goals publicly, then it will be difficult for you to blend in and do nothing. If you tell your family, followers or team about your plans, they will carefully ensure that you achieve your goals.

Change your strategy and thoughts according to circumstances

Those who quickly retrain and adapt to market trends are always rich.

Plan things for tomorrow in the evening

A clear plan will help you start your morning more productively. There are fewer temptations to look at your social network feed and lie in bed.

Do important things when you're most productive

Larks, move labor-intensive and important matters to the first half of the day, and informal meetings and responses to clients to the second half.

Owls mentally wake up in the afternoon. Until this time, it is better to take on routine tasks that do not require creativity and concentration.

Discover new ways to earn money

Everything that is not prohibited by morality and laws can and should be tried. The more profit channels you find, the richer you will become.

Save 20% for business

We received 20,000 rubles. – put aside 4,000 rubles, gave 1,500 rubles as a birthday gift. – leave 300 rubles. Remember, you can grow a fortune from a small amount if you manage your money wisely.

For those who do not understand investments or are still thinking about it, I advise you to make a deposit in a bank. Get rid of the temptation to spend it, and it’s easier to save it.

Don't take loans

Even spending all your savings on a business is risky, let alone taking out a loan. 200% confidence does not guarantee the smooth existence of a business.

Grow your business at the same pace as you save. If the business fails, then when you exit it you will not have to pay off debts for the next few years and will quickly recover.

How to become a billionaire in modern Russia

One of the paradoxes of the modern world is the combination of unprecedented technological progress with the archaization of social processes. Once upon a time, the philosopher Pitirim Sorokin, expelled by the GPU from Petrograd and settled at Harvard, created the theory of social mobility (classical Social and cultural mobility, NY–L., 1927). This theory divided societies according to the likelihood that a person from the bottom could rise to the highest positions in the state. The result was interesting: Rome – 45.6%; Byzantium - 27.7%; The Russian Empire, the bloody collapse of which Sorokin observed - 5.5%; The USA, which will become the center of the world-economy following the results of the Second World War, is 48.3% (The same, somewhat mythical, Honest Abe Log Home...).

An example of a generally accepted image illustrating Sorokin’s concept was the “social elevator.” An opportunity for a particular person to rise from the bottom to the top. Well, we will not consider military and religious careers that can elevate boys from the gateways of Suburba to the palaces of the Palatine and the Vatican. Let's limit ourselves to educational and economic ones. A person receives education and qualifications; Thanks to this, he occupies a position that is better paid than that of his parents and increases his social status. A person is engaged in entrepreneurship - he creates a fortune, which, if necessary, buys both power and titles.

This mini-comic Popular Mechanics 1940 No. 1 illustrated the social elevator in radio electronics - I learned, got a decent job...

And now there are problems with social elevators. Our head of state says that “social elevators for professional personnel should operate throughout Russia.” We must... The respectable resource Banki.ru writes alarmingly about the problems of social mobility not only here, but also in OECD countries - “ The elevator is broken: why it is becoming increasingly easier to become a beggar .” Bloomberg includes Russia in the list of countries with the most miserable economies, combining inflation with unemployment - Bloomberg Misery Index . Not in first place, like Venezuela, and not in fourth, like Turkey, but 17th position in such a list is pretty bad... And under all this is the development of technology; even within IT, at one pole are the owners of billion-dollar businesses in Silicon Valley, and at the other are system administrators and coders of the Third World...

Against this background, the same Bloomberg publishes a story about our country that is surprising in its optimism - Russian Gamer Brothers Are the Newest Hidden Billionaires . The computer game development company Playrix , founded by the Vologda brothers Bukhman, Igor (he is 37 years old) and Dmitry (he is 34), is valued at $2.8 billion. 30 million people log into the company's games every day, and annual revenue is $1.2 billion. Let's compare these figures with the list of Russia's largest companies - Playrix would be on it between 34th, occupied by the widely advertised Tinkoff Bank ($2.842 billion), and 35th, where mineral fertilizer giant Acron ($2.724 billion) places.

This is how a Bloomberg photographer saw the Bukhman brothers

In the IT business, it would be inferior to Yandex with its capital of $8.872 billion, but would be ahead of Rostelecom, worth $2.705 billion. We warn readers - we are comparing the valuation of a private company made by Bloomberg with the capital of public companies. But in any case, we are talking about very, very serious money that was made from scratch. From a computer to a Pentium 100 in the bedroom of the sons of a veterinarian and an employee of a bearing factory. On which computer the Buchman brothers loved to play various games - like many children of their generation.

The starting point in the career of the Bukhman brothers was apparently the moment when the teacher told the older brother, who had entered the "ped" for "applied mathematics", that on the Internet you can sell programs of your own development. Today, when you can go weeks without communicating with a white saleswoman, buying things on the Internet with delivery to a post office, and groceries in a hypermarket with an automatic checkout, it looks absolutely natural. But at the turn of the millennium it was a revolution. The Internet opened up a market all over the planet for software developers.

Wars have been fought for centuries over sales markets - the Internet opens up a global market with 7.7 billion consumers!

The Buchman brothers decided to sell what they knew and loved - computer games. In the villages of the Vologda region, from time immemorial, wooden toys were cut - these reached the nearest bazaar, from where a business traveler could bring them to another province. The Internet made it possible to sell computer toys all over the world. First, with revenue of several tens of dollars a month, then several hundred, thousand... By 2004, the business of the Bukhman brothers began to bring in more than $10,000 a month - and almost all the money went to expand the business. Employees were invited and premises were rented.

Happy is the one who does what he loves - the founders of Playrix put their hobby at the heart of their business!

A very interesting detail: the most critical stage of the company’s development from 2001 to 2013. – from a nursery in a parent’s apartment to an office with one and a half hundred employees; from the simplest casual game to the urban planning simulator Township , released on iOS and Android, which is now played by 6 million people a day, was held in Vologda. The regional city had enough employees with qualifications to work in the high-tech and highly competitive global market that is the gaming market.

The modernization project of the industrial era carried out in our country (“ MATH AS A RESOURCE: WHAT LEGACY DOES THE INFORMATION TECHNOLOGY INDUSTRY WORK ON ”) is still capable of providing our energetic entrepreneurs with talented personnel. Well, the ritual lamentations of science officials (“ The head of the Russian Academy of Sciences considers the technological lag to be the most problematic issue for the country’s security ”) only speaks about the abilities of specific leaders and the adequacy of specific structures. Personnel from the Russian provinces, with the right tasks, are capable of creating world-class products, as the Bukhman brothers showed. They showed it not with promises of a technological breakthrough in a bright future, but with specific sales volumes.

The 9th place that Playrix occupies in the ranking of game publishers in App Annie's Top 52 Publishers of 2018 is very serious. Ahead there are such giants as the Chinese Tencent, the Japanese Sony, followed by national markets of billions of consumers and a multi-decade history of success... And Playrix has found its niche in the segment of freely distributed games (the user pays only for individual elements). Such as the virtual aquarium Fishdom ; home and garden simulators Homescapes and Gardenscapes . Absolutely peaceful - where they don’t fight and don’t steal - but very exciting. The dialogues of the butler Austin, by the way, are quite at the level of mid-budget TV series.

The handsome butler Austin has not yet risen to the level of the almighty Jeeves from Wodehouse's masterpieces, but he conducts conversations at the level of the heroes of average TV series

The Buchman brothers were able to reach ten-digit sales figures by using social networks as a distribution medium for their games. Their first casual games were sold on specialized sites - quite successfully, bringing in up to $5-$6 million a year. But growth in this sector has been limited by audience size. The problem was solved by the fact that the user usually receives free-to-play games for the giant mobile device market through Google or Facebook, which gave a two-hundred-fold increase in revenue. (By the way, in the fall of 2020, Playrix was in first place in Europe among application publishers in terms of total revenue from Google Play and AppStore.) Let us repeat - access to the global market is extremely important: 40% of Playrix sales go to the USA, followed by China and Japan. Russia – only 2.8%.

At some point, the security of property, the level of tax burden and transaction costs become extremely important to business.

True, there is one “but” in this success story. When we look at the rating from App Annie , we read “Ireland” against the company Playrix. Yes, five years ago the Buchman brothers moved their business to this country. Why? “News of the Vologda Region” writes that “The founders of the Playrix company, brothers Igor and Dmitry Bukhman, had to pay twice for the same plot of land on Puteiskaya Street in Vologda...”. A standard “kid”, young entrepreneurs were sold land that was listed as city land, issuing a state registration certificate for it. The seller disappeared without a trace, the entrepreneurs had to buy the land again...

Well, becoming the target of unpunished fraud is quite offensive. And in Dublin there is a corporate tax of 12.5%, good access to global finance. Of the 1,100 developers, a significant part works in Russia, Ukraine, and Belarus. Everything is according to the law - but with insurance against attacks, be it gangsters, be it administrative... This allows Dmitry Bukhman to say with a smile that $3 billion is not the money for which he and his brother are ready to sell the business. A very instructive story!

First of all, the fact that social elevators work in modern Russia - from the provinces to the tops of the IT world. Secondly, the fact that they work only for those who are associated with high technologies, focus on the global market and set themselves large-scale tasks - such as the “Tencent and Activision challenge”. In the domestic market, 2% of the world market, don’t make any plans for import substitution - it will just be competitions of tadpoles in a puddle... Well, and the fact that real money for specific people is brought not by military or space, with their limited sales, but by items of everyday demand - such as games from Playrix, which women over 35 spend time with...

In conclusion, one could ritually wish success to the Bukhman brothers - there is no need, they already have success, they did everything right. But readers should take a closer look at this “success story” - and highlight from it what can be useful in the context of rapidly developing technologies and changing economic and social conditions.

7 step instructions to get rich

Follow the plan and you will be surprised at the results.

Decide on wealth and set a goal

From now on, when you decide to become rich, forget about aimlessly spending time near the TV or on the Internet. Engage in personal growth and work towards goals.

Billionaire and business coach Brian Tracy recommends thinking about two things:

1. What do I want to achieve? Goals.
2. How to get it? Actions and means to achieve what you want.

Try replacing TV and social networks with business literature and training for a month as an experiment. Notice that there will be more money and happiness.

Watch this video from Brian Tracy to help you reach your goal.

Find a mentor

A mentor is a successful person from the field in which you want to break into. You can do without it. But then get ready for the fact that your path will be more difficult and longer. The risk of screwing up is higher. Making a mistake at the beginning is forgivable, but later it costs a fortune.

Implement the Habits of the Rich

Write down on a piece of paper all 23 principles of wealth that I wrote about above. Post them in a visible place and follow them.

Example. Your upstairs neighbor has made you angry. He drills and knocks all day long. Remind yourself not to be led by your emotions. Put on your headphones and get on with your day. You can move the video shooting and photo session to the park, or go to friends.

Change your communication style and environment

It's easy to change friends, but what to do with a negative family? When it comes to complaints, blaming everyone and everything for misfortune, envy, ask stunning questions:

1. How can I help?
2. Why did this happen?
3. What did you do to prevent this?

The phrase will help to isolate yourself from a pessimist: “Yes, the situation is serious. I don’t even know how I can help.”

Become positive and purposeful and the same people will be drawn to you. Verified.

Master financial literacy

Read books on economics. A financial plan is a scheme of expenses and income for this month and several months ahead. Here you enter savings, deposits, investments in your business, etc.

It consists of monetary goals, expenses and income.

An example of a financial plan for an ordinary person.

Next, we calculate our financial capabilities.

Make sure there is no overspending. Invest the rest in your business.

Hiring a financial advisor is great, but they are expensive to maintain, and not everyone is truly a professional. Some companies went bankrupt because of such experts. Learn financial literacy and control your budget yourself. With these skills, you can easily get rich again, even after bankruptcy.

Invest

Invest the rest of the money after necessary expenses in your business. Don't forget that knowledge is also an important contribution to business.

Don't make frivolous spending

Don't buy luxury items with all your money. Live within your means by saving for investments. As your profits grow, increase your requests. Yes, you will have to show willpower and patience to become a millionaire in the future. I will tell you below how to save yourself from temptations.

Where to start on the path to financial freedom

No matter how trivial it may sound, you need to start with yourself and your development. If you have no idea about the work of the financial market, about ways to generate additional income, about the principles of investment and other options, you will continue to put a couple of bills “in the book”, which you will also quickly spend.

A successful person always acquires new knowledge and always strives for self-education and self-development. Gaining knowledge about the basics of financial literacy is not a whim of the rich, but a prerequisite for starting and further development.

• By learning from the experiences of successful people, you will be able to achieve your goals much faster, avoiding the mistakes of your predecessors.

As you set out on the path to financial independence, decide on your initial goals. Knowing what to strive for, you can better choose ways to achieve your goals.

This is just the beginning, and it is important not to stop there, set new tasks for yourself, and solve them in new ways that are open to yourself.

Feng Shui: the environment affects your financial condition

Feng Shui really attracts money. This does not mean that you will lie on the couch all day long and your wallet will be replenished. But any of your actions and intentions will be rewarded with money.

The main rule of Feng Shui: “If you buy a new thing, throw it away or give it to someone else. There are no piles of dresses you don’t wear or cups collecting dust on shelves.”

Several principles that attract money:

1. Place a bunch of Chinese coins in your wallet or on your desk. For 20 – 40 rubles you can buy them on Pandao.
2. Place the Ganesha figurine on your desktop.
3. Light an aroma lamp with mint, orange, and patchouli oils 2-3 times a week.
4. Don't put boxes under your bed.
5. Don't hang pictures with waterfalls. Water represents money. Flowing down is akin to ruin. But fountains and sounds of water contribute to enrichment.

Add mint oil to 27 candles and light. Close your eyes, imagine how golden rivers flow towards you. Say: “I deserve the best! I'm rich". The candles should burn out on their own. Repeat the exercise for a week. It will cleanse the house and open money channels.

It's strange, but the more you help others get rich, the better off you are financially. And greedy people and skeptics always suffer losses. How do I help others? I give out coins tied with a red ribbon to my family and friends to attract money, I write articles for the blog so that people switch to remote work and forget about their need.

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.

Canonical examples of billionaires

Start over. Let's remember how we used to imagine the rich.

The image of a typical billionaire

Scrooge McDuck dives into mountains of gold
What does a typical billionaire look like? When a person says “billionaire”, “oligarch”, he imagines a character who has billions of dollars in the bank or in general in cash. A canonical example is the very rich and extremely greedy duck Scrooge McDuck from the well-known animated series. One of the favorite characters of all Russian children, who grew up in the nineties of the last century. Uncle Scrooge keeps his money in gold in a huge vault, and every day he dives into the golden mountains from a tower.

Let's face it, Scrooge is not the most positive character. Why not use this money for the benefit of society - build roads, schools, hospitals! Why is this stupid duck collecting money in the vault and why is everything not enough for her? How long can you take money from those in need and increase the mountain of gold in your bunker?

But let's return from the world of animation to the real world. What if we step away from fictional characters and remember real rich people - who immediately comes to mind?

In the minds of the average person, a billionaire is a person like Roman Abramovich. Always in sight, flashy luxury, conspicuous waste of money, everything the biggest, the most expensive... and it is completely unclear what he does in his free time and where he gets the money from.

Let's use Abramovich as an example and reveal the secret of billionaires.

Where does Abramovich get his money?

Roman Arkadyevich controls. The company is engaged in the purchase and sale of large businesses. How does this happen? Roughly speaking, they buy a plant for a billion, send a team of managers there to audit it, cut costs, make a big profit, and sell it a couple of years later for 2 billion. This is an exaggerated example. The list of well-known purchases of the Millhouse Capital investment company included the dumpling manufacturer Daria, the largest link exchange Sape, shares in Evraz and Pharmstandard.

This is interesting. If you want to know a detailed biography of Roman Abramovich, you should look for the book “The Abramovich Principle. Talent for making money.” It is curious that Roman Arkadyevich himself did not give interviews for the book; it was collected by enthusiasts bit by bit from open sources.

Not all billionaires engage in business speculation. But all the rich people own it

.
Abramovich's net worth as of 2020, according to Forbes, is $9.1 billion. Imagine Abramovich keeping $9 billion in cash at home.

Reference : 1000000000 dollars in cash in 100 dollar bills weighs 10 tons and occupies a volume of 11.5 cubic meters. A standard 20-ton long truck can transport only $2 billion.

2 billion dollars - a visual representation.
He will need a large area! And why does he need a billion at home? You can't spend that much anyway. In fact, billionaires don't have any billions in cash . They have a business. This business is rated

in billions. This is where the fun begins.

How to get rich at home - 6 ways

I have collected popular and proven ways to get rich remotely. If I missed something or you have interesting ideas, please share in the comments.

Become a freelancer and build a team

You can’t make big money alone – tested 100 times. Yes, first you need to gain experience yourself by fulfilling orders. But as soon as the price bar rises along with professionalism, it’s time to create a team, give part of the work to it and receive commissions. And take on organizational tasks: searching and negotiating with clients, advertising, development strategy.

You can assemble a team without investment. Set piecework payment for each order.

Open an online school

Write down on paper the areas in which you are an expert. Think about how to teach and make your offer unique. Record educational videos or articles. Advertise them yourself or hire an internet marketer.

Azat Valeev earned his first million through online courses. The price of his personal coaching flew up to 500,000 rubles.

Investments are different. If you are currently launching courses on your own, then you can get by with 10,000 rubles. in one launch. Good camera, high-speed Internet, advertising, paid services.

Create a website

Come up with a powerful idea for a website. For example, a weight loss diary or a fan club (biography, jokes). Creating a website for the sake of a website is a fool’s errand.

Initial investment 1,500 – 2,000 rubles. for domain and hosting. For specialists 5,000 – 7,000 rubles, if you cannot do website building yourself.

This could be an exchange of articles with passive income - a percentage of transactions between the contractor and the customer, or an information site.

I recommend Vasily Blinov’s course on creating information websites. Follow the link to view the detailed program.

Become an Instagram star

Instagram stars with 500,000 subscribers receive up to 30,000 rubles. for an advertising post. It will be possible to achieve such indicators in a few months or years.

You need to post original, high-quality photos in a single theme. You can, of course, keep a personal blog about life, but the chances are 50/50 if you are not a pop star or an actor.

Resell goods from China

On Black Friday and in bulk, you can buy goods 20 - 30% lower than their actual cost in the store. Imagine a children's educational mat that costs 1,700 rubles here, you can buy it there for 500 rubles. List it for 1,000 rubles. and buyers will come running to you.

Why will they take it from you and not from China? The wholesale price is still lower. Not everyone knows and trusts Chinese stores. Nobody wants to wait. After all, when the thing arrives, the child can grow out of it. And you will also defeat Russian competitors at a lower price.

Create a YouTube channel

The author of the SlivkiShow channel, Yuri Yaniv, earns 133 million rubles a year. The YouTuber's videos receive several million views. He makes videos on interesting topics: how to live a day on a certain amount, shows the inside of equipment, tests life hacks. You can create a better channel.

I advise you not to copy, but to look for something of your own. Then don’t give up the channel while it brings in some money, you will find your viewer and achieve success.

Lesson 5. Engage professionals

What helped Rockefeller in life and business was that he loved to tinker with numbers. But you don’t have to love, that’s okay. It is enough to attract a person who loves to your team or outsource.

British millionaire Richard Branson loved what today is commonly called hype, but hated numbers. But in his youth he had a business partner who loved to tinker with numbers. By the time Branson’s business had grown enough, the owner, realizing the importance of management accounting, remembered his former partner and instructed him to take charge of the numbers.

The founder of the McDonald's empire, Ray Kroc, spent his entire life in sales and only understood them. This allowed him to see a promising product in the form of a franchise in a small roadside diner and make this product a symbol of America. But a person from his team, who rummaged around in finance, saw and suggested to him another promising direction: not to sell a naked franchise, but first to rent and subsequently buy plots of land with premises for a restaurant and rent them out to franchisees. This decision simultaneously increased the revenue, profit and capitalization of McDonald's significantly. In 1974, Kroc himself said at a meeting with students: “My business is not hamburgers. My business is real estate."

Rockefeller himself preferred not to delve into what he did not understand, but to listen to professionals. Sometimes this approach failed. This was the case with the shares of the iron mines that he bought in the early 1890s: specialists promised a bonanza, but the mines turned out to be unprofitable and were on the verge of bankruptcy.

To find out what was going wrong, Rockefeller found a specialist who understood finance. His name was Frederick Gats. Gats presented a report, thanks to which Rockefeller understood what was going on and how to save the situation. He instructed Gats to bring order to the mines, and soon they began to make a profit. Gats later became Rockefeller's right-hand man.

When Rockefeller decided to build his own fleet, he turned to the owner of a shipping company for help. He transported the ore himself and was not interested in helping his competitor. Rockefeller's speech sounded something like this: “I understand you. But I will transport ore only on my ships. I'll build them anyway, you won't earn anything from transporting my ore. But I suggest you earn a commission for having ships built for me under your control. I contacted you because you are a professional and an honest person. And I won’t skimp on commissions.” The shipowner left Rockefeller's house with a contract for $3 million.

Where to get money for business without getting a second job

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

1. If you're begging yourself to buy something, don't do it.
2. 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.
3. Don't buy too many items of the same category. Stick to minimalism.
4. Stop advertising. Ignore billboards and don't watch TV. Install ad blockers on your phone and computer. You will notice how you buy less.
5. Use cashback services.
6. Raise prices for your services. Only that part of the clients who wanted to buy the work for pennies will flee.
7. 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.

List of books in which people became rich without having anything

The shelves of bookstores and online stores are filled with business literature. To save your time, I have selected the 7 best:

1. “Rich Dad Poor Dad” - Robert Kiyosaki. What is wealth, what is the difference between a millionaire and a poor man, how to break the vicious circle of need - the answers to the questions are in this book.
2. “The Science of Being Rich and Great” - Wallace Wattles. Use the rules in practice and your thinking will change, and with it your reality. The book encourages you to forget about the negative attitude towards money and the positive attitude towards poverty.
3. “Mani, or the ABC of Money” - Bodo Schaefer. Teaches how to properly manage money on behalf of a dog.
4. “How to Become Rich by Being Lazy” - Joe Carbo. It will help you understand why you haven’t made a million yet and how to do it.
5. “How to become rich in one year” - Napoleon Hill. Stories of the rich who started from scratch and their main principles.
6. “The Science of Money” - Brian Tracy. Not only the topic of money is touched upon, but also happiness.
7. “10 Secrets of Wealth” - Adam Jackson. Most of the book is a dialogue between a sage with a wealth mindset and a young man who thinks like you and me. During the conversation, money secrets are revealed, negative beliefs are replaced with positive ones.

What is the probability of becoming a millionaire from scratch?

Let's start with a simple question - what is the probability that you will become a millionaire? You don’t need to master the tools of deep probabilistic analysis to assume that the probability of this is 50/50 - either you will or you won’t. Or maybe you know about variance and mathematical expectation and can calculate more accurately?

Don't tense up. There are 158 thousand dollar millionaires living in Russia. And this is with a total population of 143 million 600 thousand people. Using simple arithmetic, it turns out that this is only 0.11% of the country's population.

Those. the probability of becoming a dollar millionaire is 0.11%. And the probability of NOT becoming one is 99.89%. Unlucky, almost everyone in Russia thinks. In vain. Why?