Dedication

This eBook will be dedicated to my Mother, who struggled so hard to make ends meet in my childhood, but
never stopped ghting for a better life.

Motive
The main focus of this eBook will be to highlight the mind frame of many of the wealthiest men in history.
Many of their methods and business tactics will be examined as concepts and supported with real world
examples to illustrate each concept's strength. I'll be compiling this valuable information for my personal
use throughout life and business dealings when applicable.

In the mid 19th century, a boy was born into a family of Belgian immigrants on a farm in Michigan. This boy
would go on to be worth much more than 9- gures. Henry Ford was an American entrepreneur, founder of
Ford Motor Company, who had a net worth of $200 billion dollars (adjusted for in ation). His impacts on
humanity have been long lasting, and his thoughts on knowledge worth noting:

“ The only real security that a man will have in this world is a

”
reserve of knowledge...

Some relatively healthy depth of thought gives way to the conclusion that wealth directly bene ts from
knowledge. One can also draw the conclusion that Quality of Knowledge greatly adds to Amount of Wealth.
So what better way to increase security and amount of wealth, than to study the greatest businessmen,
shrewdest capitalists, and wealthiest tycoons ever?

Understanding Money
Sold to
[email protected]
Understanding Money as a concept is CRUCIAL to any person's successful capture and exploitation of it.

Many people hold the idea of money being an end in itself.

End in itself : A purpose or goal desired for its own sake (rather than to attain something else).

This concept is wrong because money on its own holds no value. In today's world ( AD 2021 ) money exists
as a branded piece of paper. Purchasing power is then assigned to it via a mutual understanding between 2
parties. But the object at hand is simply a piece of paper, not much different than the sheets in a notebook,
or pages in a book.

BUT, because You and I "agree" on its value, then we can conduct transactions.

The next thing you must understand regarding the truth about money, is that "making" money is A LIE.

Lie (noun): a false statement made with deliberate intent to deceive; an intentional untruth; a falsehood.

You and I cannot make money, we can only TAKE money.

This truth is manifested in the form of convincing others to give you money. Whether it be by salespeople,
marketing, violence, or extortion, the truth is that you can only TAKE money.

However its worth noting,

Central Banks make money straight from thin air. Currency is literally printed directly from a machine and
then used to make people do things they would rather not.

Central Banks a nancial institution given privileged control over the production and distribution of money
and credit for a nation or a group of nations. In modern economies, the central bank is usually responsible
for the formulation of monetary policy and the regulation of member banks.

Allow me to repeat myself. Currency is literally printed directly from a machine and then used to make
people do things they would rather not. Sound familiar?...

Hopefully I've properly reframed money in your mind. Before I move on, allow me to quickly note why
"saving" is effectively ine cient: Let’s say you have $100 in a savings account that pays a 1% interest rate.
After a year, you will have $101 in your account. But if the rate of in ation is running at 2%, you would need
$102 to have the same buying power that you started with.

You've gained a dollar but lost buying power. Any time your savings don’t grow at the same rate as in ation,
you will effectively lose money.

In other words, saving is rendered useless by the decline of the purchasing power of a given currency over
time. As a currency loses value, prices rise and it buys fewer goods and services. On a larger scale, This loss
of purchasing power impacts the general cost of living for the common public which ultimately leads to a
deceleration in economic growth.

Understanding Money
Lesson 2: Money=Water

Now that you have a developed understanding of how you can only TAKE money, the next logical step is to
understand how it moves.

While my understanding of it is unconventional, it is a view that has developed after studying history's
millionaires and billionaires.

By money cycle, I'm referencing the economic machine, and while it might seem complex, it works in a
simple mechanical way. It is constructed by a few simple parts, which are repeated multiple times at a large
scale.

To make things simple,

Money=Water.

It is always vulnerable, and it is always moving.

In the water cycle, water begins by evaporating from the surface of the earth, rises into the atmosphere,
cools and condenses into rain or snow in clouds, and falls again to the surface as precipitation.
The water cycle is the path that all water follows as it moves around Earth in different states. Think about how this relates to
money... The water cycle is the path that all water follows as it moves around our planet.

The money cycle follows 4 stages, very similar to how water moves. The money cycle is the path that all money follows as it
moves around an economy.
The main building block of the money cycle is transaction. A simple process where sellers exchange goods
or services, with buyers, for money or credit.

Credit spends much like money, so adding them together equals total spending

m + c = totalspending

Any time you buy or sell something, you create a transaction!!

And that's it. Markets consist of the total amount of buyers and sellers for a certain product, while an
economy consists of all its markets.

I wanted to start with a top-down approach, because it provides greater insight.

On a deeper level though,

The money cycle begins with productivity, where income is generated through work.

Productivity
Productivity is driven by how cost-effectively one can produce. In a global economy those producers who
are more competitive will both 1) sell more in their own country and other countries, and 2) move their
production to countries where they can produce more cost-effectively.

so, relative productivity—i.e., competitiveness—will have a big effect on relative growth.

Productivity: a ratio between the output volume and the volume of inputs. In other words, it measures how
e ciently production inputs, such as labor and capital, are being used to produce a given level of output.

Income
Will be an amount generated by your productivity minus your spending. (NET)

While gross income equates to the total amount generated by your productivity before your spending.

Income: The return in money from one's business, labor, or capital invested; gains, pro ts, salary, wages, etc.
The gain derived from capital, from labor or effort, or both combined, including pro t or gain through sale or
conversion of capital. (legal de nition)

Borrowing
Income acquired as debt, where a borrower receives money from a lender, in exchange for a repaid principal
plus interest. Borrowed money is referred to as credit.

Borrowing is usually used to facilitate spending and is an important part of the money cycle.

Borrowing: to receive with the implied or expressed intention of returning the same or an equivalent.

Spending
Spending equals spent income + spent credit. Spending wisely can be used to increase future income.

Spending: to pay out, disburse, or expend; dispose of

The two places where growth can be achieved are in productivity, and borrowing. An increase in productivity
is signi cantly relevant to an increase an income, which is linked to an increase in quality of life, through
spending or material security. By working harder and working smarter, your productivity will gradually
increase over time and is able to facilitate safe, stable growth. You can then use borrowing to supplement
your productivity income and increase your spending in the short-term.

If income from the spent credit covers debt service in the future, you have effectively increased your income
through the use of leverage.

When asked about the use of leverage, John Rockefeller, the Oil Magnate, known primarily for his founding
of the company Standard Oil Co., famously remarked:

“ Work less use leverage

”
His company's in ation-adjusted value during the early 1900s is estimated by some experts at $1 trillion or
greater. In 1911, the US Supreme Court ruled that Standard Oil was an illegal monopoly and it was broken
up into a number of smaller rms.
It is estimated that if the company was still together, it would easily be the largest company in the world.
Instead, the United States forced the company to dissolve into 34 different rms.

Seven of the Standard Oil spin-offs continued to have such a strong presence that they were dubbed the
“Seven Sisters” and would go on to be the foundation for today’s oil industry.

Below is a breakdown of how the Seven Sisters evolved over time:

In conclusion, to drive forward the growth of your personal income, 2 things must be done:
 1. Increase Productivity

2. "Work Less Use Leverage"

Earning Money
Since we understand money is always moving, and have an understanding of its travel patterns, we can
come to learn how to ATTACK and take it when it is moving.

I used the comparison with water because if you stand in front of a hose spouting water, you will get wet. If
you walk in a thunderstorm, you'll get soaked. But, if you walk outside while its barely drizzling, you'll
remain, for the most part, dry.

Money is the same way. If you stand in the middle of a large stream of money, you WILL get hit by a lot of it
while its moving. But if you position yourself in a place where there is not much circulation, you'll struggle to
get your share of it.

Find where it is moving and attack.

Earning Money
Lesson 2: The 4 Methods

Historically, there have been 4 main methods to earning income. The 4 of these are all generated in the
productivity stage. Some methods are better than others, but they're all better than nothing. Each one will be
examined, and notes will be made of each one's strengths and weaknesses, so that you can decide which
one is best for you.

Time-->$

Information-->$

Product/Service-->$

Putting Something to Work-->$

In the 10th BCE an Israeli King notes:

“ Lazy hands make a man poor, but diligent hands bring

”
wealth.

King Solomon, who was said to receive some $40 billion in gold each year as tribute, was worth as much as
$2.2 trillion at his wealth's peak. Being among one of the richest men in history, his advice should not be
taken with a grain of salt. It should be taken as unequivocal truth.

“ He who ignores discipline comes to poverty and shame,

”
but whoever heeds correction is honored.

“ The plans of the diligent lead to pro t as surely as haste

”
leads to poverty

Time-->$
A JOB.

this method is better than nothing, and is where most people start out.

There is no shame in having a job, because you are still earning money, but your income is still directly
linked to your time. Because of this link, the amount of income you can earn is capped, because time is a
nite resource.

Given time's scarcity, an argument can be made that it should be extremely valuable, and worth more than
money.

Commission based jobs are better because you can scale your income rather than have it be linked
directly to the amount of time you work.

Strengths to this method mainly include the fact the income received can be leveraged to create other
income streams for yourself, but that is a strength which all the methods have. A major weakness to this
method which cannot be understated is the money-time link. This is extremely detrimental because you're
trading a nite resource for something with no inherent value, something which can be printed from a
machine.

Time can be used to engage in other pursuits.

However, I'll repeat myself, a job is better than no job.

Information-->$
This is the distillation of information into a product which is then exchanged for pro t.

For many poor people, information is the gateway through which they can climb into the realm of the rich.
This is because RICH people simply KNOW more about money than you poor people do. This knowledge
can then be leveraged in many different ways, but the key lies in the information.

Rich people hold the belief that they can go to Zero and make it back based only on what they know.

This highlights the pure value of information products.

Information products include many things such as books, courses, podcasts, lectures, videos, etc.

School at its core is an information product.

If you have useful info which others don't have, you can get PAID to transact it.

And what's interesting, is that EVERYONE holds exclusive information. You know something useful which
other people don't.
Information BREAKS the time link and replaces it with a creation-money link.

But don't get confused. You are NOT making money. You are creating a product which can TAKE money.

Create--> get PAID

If you have information and get Attention, you can get rich, because you're creating something a single time,
and then distributing it in nitely.

You know something others don't. USE IT.

Product/Service-->$
All markets are competitive but this one is cutthroat.

Businesses sell a product or a service to customers, and attract clientele by offering a better quality product
or by offering the product at a cheaper cost.

Since already existing businesses are competing on price by offering products for cheaper, pro t margins
for the market slowly decrease over time.

You are then faced with 2 challenges: 1) Offering a product at a compelling price which can attract clients in
spite of existing brands and 2) Sourcing the product/service for a pro table price with comfortable margins.

If you are engaging in a service venture alone, the service is still linked to your time, but you're given the
freedom of pricing your time, rather than having an employer price your time.

But, the time-money link is still intact, unless you outsource the service ful llment.

Constant innovation in this space makes it di cult to compete.

For example, Amazon's customer 1st focus exploded onto the retail scene, boosting valuations to upwards
of $1.4 trillion as of mid-2020. Its founder and CEO, Jeff Bezos, boosts a reputable net worth of $180 billion.
He is known for being an innovator:

“ What's dangerous is not to evolve.

”
Jeff's an expert in the retail space, I'll share his thoughts with you:

“ if you're competitor focused, you have to wait until there is

a competitor doing something. Being customer-focused

”
allows you to be more pioneering

One thing is certain, STRONG BRANDING and SOMETHING UNIQUE are necessary to succeed in this space.
Putting Something to Work-->$
This method can be used in conjunction with the other 3 methods and is the end goal for many people.

This is basically outsourcing all work and breaks the time-money link entirely. There are mainly 2 things to
put to work in order to pro t.

1. Getting People to Work for you

This allows you to use other people's time to create income for yourself AND for them. You are essentially
creating a job for someone else to slide into. In addition to leveraging their time, you are also leveraging their
productivity and can increase it gradually over time by keeping them in good spirits and well compensated.

1. Getting Money to Work for you

Fancy language for investing. When you acquire money, you can use that earned money to create passively
earned money through different investment vehicles; or by paying employees to create a product or
complete a task. By letting your money work for you, you are able to receive income while still retaining a
majority of your free time.

ALL BUSINESSES operate through method 4.

Conclusion
In today's world, the best way for a novice to start would be to create an information product. If they can put
their knowledge into a tangible format and the information is useful, it can be traded for money.

Not once,

Not twice,

in nitely.

But for them to be trusted they MUST establish credibility. No one listens to punks, people like experts.

The reason why information products are goldmines today is because people go to the internet for
information.

Give them what they're looking for.

Aside from info products,

The superior logic ultimately, lies in COMBINING ALL 4 METHODS.

If you waste any time --> Trade it for money

Keep an eye out for product/service--> Trade it for money

Always learn useful info--> Trade it for money

Above all else, look for ways to put someone else (or your money) to work.

Energy and Money

Before understanding its relation to money, there are some universal truths which must be understood about
energy.

First, you must understand that everything in the universe is energy. Energy does not only exist as some
unseen force. All matter in the known universe, is made up of small energy particles called atoms. Particles
in all states of matter are in constant motion and this is very rapid at room temperature.
Energy is a palpable, animating life force—one that we can all understand in the context of how we feel from
day-to-day (sluggish, over-tired, or on the ip side, invincible).

One of the rst things we learn in school is that energy can neither be created nor destroyed—but that it can
be altered. Energy can be sped up or slowed down. It can exist in a closed system in which the energy is held
or bound, or it can exist in an open system in which the energy ows.

Despite its power, energy in of itself is a neutral force.

Since, in your simplest form, you are nothing but a ball of conscious energy, you can alter your state.

Altering your energetic state requires a bit of self exploration, the willingness to take the time, and the risk.

This will likely not come easy to you at rst, but once this knowledge has reached you there is no turning
back.

For those who recognize the gravity of my words, stop for a moment, and turn down a glass, for this
occasion marks the most important turning-point of your life.

As you begin to become more conscious of your energy, pieces of the puzzle will come together.

“ There are no limitations to the mind except those we

”
acknowledge

Energy and Money

Money in terms of Energy

Any man must become "money conscious" until their desire for money drives them to create de nite plans
for acquiring it.

Of the rich men we are studying, all of them magnetized their mind with intense desire for riches, and they
all maintained a spirit of open-mindedness.

Please understand, thoughts are forms of energy. Become aware of your thinking. Start with your rst
thought of the day and go from there.
Both Poverty and Riches are the offspring of thought.

There exists a thinking stuff from which all things are made, and which, in its original state, permeates and
penetrates the interspaces of the universe.

A thought in this substance, produces the thing that is imaged by the thought.

If you lack true desire for material abundance, or hold any amount of self-doubt, where might you end up?

Burning desire leaves no room for self-doubt because failure is not an option. For high achievers, and
successful men, failure is swept under the rug in the same manner which wealth is disregarded by middle
class men and women.

Many men, throughout history, have abandoned comfort, and replaced it with absolute certainty in terms of
their vision coming to fruition. Their actions re ect men with no fear of failure, because failure is not
possible upon the acceptance and desire of success.

This is due in part to the Principle of Mentalism.

This principle embodies the truth that "All is Mind."

It explains THE ALL, which is the substantial reality underlying all the outward manifestations and
appearances which we know under the terms of "The Material Universe"; "The Phenomena of Life"; "Matter";
"Energy"; and, in short, all that is apparent to our material senses.

THE ALL is SPIRIT which in itself is UNKNOWABLE and UNDEFINABLE, but which may be considered and
thought of as A UNIVERSAL, INFINITE, LIVING MIND.

An understanding of the Principle of Mentalism enables the individual to readily grasp the laws of the
Mental Universe, and to apply the same to his well-being and advancement.

This Principle explains the true nature of "Energy" and "Matter" and why and how these are subordinate to
the Mind.

He who grasps the truth of the Mental Nature of the Universe is well advanced on The Path to Mastery.

But how does this truth relate to money?

Both Poverty and Riches are the offspring of thought.

There is always a correspondence between the laws and phenomena of the various planes of Being and
Life.

An old axiom can put it into simpler, more digestible words than I can:
"As above, so below; as below, so above."

The grasping of correspondence gives way for one to obtain the means of solving many a dark paradox,
and the hidden secret of Nature. There are planes beyond our knowing, but when we apply correspondence
to them we are able to understand much that would otherwise be unknowable to us.

Correspondence is of universal application and manifestation, on the various planes of the material, mental,
and spiritual universe.

It is Universal Law.

Thought, in conformity with Correspondence, in accordance with Mentalism, is one of the most important
mental instruments by which man is able to pry aside the obstacles which hide from view.

Just as knowledge of the Principles of Geometry enables man to measure distant suns and their
movements, while seated in an observatory, so a knowledge of Correspondence enables man to reason
intelligently from the Known to the Unknown.

Given that material situations re ect thought because of their intrinsic correspondence, it can be reasoned
that the key to altering the future a material reality lies in thought.

To illustrate this concept we will review real world examples.

Example 1 ~ Daniel S. Peña, Sr.

Daniel S. Peña Sr. was born in August 10, 1945 in Jacksonville, Florida, to parents Manuel and Amy Peña.
His family later moved to East Los Angeles, California, where he spent his formative years in the barrio.
Crime and violence were common place back in the day, so it is inevitable that almost everyone living in that
rough part of the neighborhood would learn how to stand up for themselves at a young age. He graduated
from Reseda High School in 1963.
 Dan as a 5 year old boy in East Los Angeles, California (1950)

When Dan acted up and was repeatedly jailed for various alcoholic incidents, Dan's father let him sit in jail…
after he told his police force friends to beat Dan. They taught Dan a lesson, but it wasn't until he was named
an o cer (and a gentleman) by the US Congress that he straightened out and became the high
performance individual he is today.

Dan always says, "Perception is reality."

His life COMPLETELY changes after he begins to view his life differently. One slight acknowledgement is all
it took for Dan, what will it take for you?

Peña had a distinguished career with the US army, entering voluntarily as a private and graduating from
Infantry O cer's Candidate School. After serving in the Army, he returned to college and nished his four-
year degree in 2.5 years.
 O cer Candidate School Graduation (1967)

Subsequent to serving in the Army, he applied to work at the investment banking rm of Bear Stearns and
Co. where he advised clients throughout the US and internationally.

A short time after leaving Wall Street, Mr. Peña founded Great Western Resources Inc., (GWRI), a Houston-
based natural resource company which he took public in 1984 on the London Stock Exchange (LSE). In an
8-year period, starting with only $820, Mr. Peña grew Great Western Resources to $450 million while energy
prices collapsed, the price of oil dropped from $40 to less than $8 per barrel and more than 10,000 energy
companies in the US alone went out of business. During this massive energy decline GWRI grew a
phenomenal 55 million percent.

At the time the company was acquired in January 1997, he was the biggest individual shareholder. GWRI
was operational in the US, the Gulf of Mexico, the UK and South America, with interests in coal, and oil and
gas exploration and production, drilling and construction pipeline.

while building his own companies exponentially, Peña has successfully negotiated transactions with many
multinationals, all BIG 4 accountancy rms, many major international nancial institutions and law rms
and several foreign governments. In addition, he has successfully transacted business with both the Church
and Bank of England.
 Photo of Dan during one of his Castle Seminars

Dan was born into a middle-class Hispanic family and grew up in the East Los Angeles Ghetto, was in and
out of jail during his teenage years, but did a complete 180, after he began to perceive his reality different.

While building Great Western Resources, Dan SLEPT IN HIS OFFICE, because he did not perceive failure to
be a possibility. Many other people, would never risk their comfort for the sake of success, but to High
Achievers, it was never a risk, because he did not perceive it so.
 Dan Pena beneath an oil drilling platform in Texas and as featured on the "The Times' 1983 Pulitzer" LA Times Article - Latino
Wealthy New Breed by Al Martinez. (Photo by Rick Corrales)

Example 2 ~ Andrew Carnegie

Andrew Carnegie, whose life became a rags-to-riches story, was born into modest circumstances on
November 25, 1835, in Dunfermline, Scotland, the second of two sons of Will, a handloom weaver, and
Margaret, who did sewing work for local shoemakers. Will and his father-in-law Thomas Morrison, a
shoemaker and political reformer, joined the popular Chartist movement, which believed conditions for
workers would improve if the masses were to take over the government from the landed gentry. When the
movement failed in 1848, Will Carnegie and his wife, Margaret, sold their belongings to book passage to
America for themselves and their sons, 13-year-old Andrew and 5-year-old Tom.
Carnegie is remembered because of his wealth, but also because of his philanthropy. By the time of his death, he had donated
$380 million to charity.
Andrew Carnegie’s family decided to settle in Allegheny, Pennsylvania, a suburb of Pittsburgh where they
had friends and relatives. Their ship landed in New York City. Next the family traveled west by canal and
steamboat, arriving in Allegheny three weeks later (a 370-mile, six-hour trip by car today). They moved into
two rooms above a relative’s weaving shop, which his father took over, but the business ultimately failed,
putting the family once again in need of money.

Because of his family's poverty, at the age of 13, Carnegie worked from dawn until dark as a bobbin boy in a
cotton mill, carrying bobbins to the workers at the looms and earning $1.20 per week. A year later, he was
hired as a messenger for a local telegraph company, where he taught himself how to use the equipment and
was promoted to telegraph operator.

Carnegie's humble beginnings drove him to feel a deep ambition. As he believed he could escape poverty, he
began to perceive the world around him as full of opportunity.

Because of his willingness to learn, Carnegie soon landed a job with the Pennsylvania Railroad, where he
was promoted to superintendent at age 24. Not just ambitious, young Carnegie was a voracious reader, and
he took advantage of the generosity of an Allegheny citizen, Colonel James Anderson, who opened his
library to local working boys — a rare opportunity in those days. Through the years books provided most of
Andrew Carnegie’s education, remaining invaluable as he rapidly progressed through his career.

Carnegie's life would soon change as his constant hardwork, search for opportunity, faith of a better life, and
open mindedness provided a turning point. Thomas Scott, Carnegie’s boss, initiated the future millionaire’s
rst investment when he alerted Carnegie to the impending sale of ten shares in the Adams Express
Company. By mortgaging their house, Margaret Carnegie obtained $500 to buy the shares, and soon the rst
stream of dividends began rolling in.

With his window of success open, and his environment now fully re ecting his mental state, Carnegie
developed a wide variety of other business interests. Theodore Woodruff approached him with the idea of
sleeping cars on railways, offering him a share in the Woodruff Sleeping Car Company. Carnegie secured a
bank loan to accept Woodruff's proposal — a decision he would not regret. He ultimately bought the
company that introduced the rst successful sleeping car on a U.S. railroad.
 Andrew Carnegie: "Rags to Riches"

At age 30, he resigned his railroad position to go into business for himself with his former bosses at the
Pennsylvania Railroad. Carnegie had amassed business interests in iron works, steamers on the Great
Lakes, railroads, and oil wells.

When he turned 33, he sat down and analyzed his nances. His net worth was about $75 million (in today’s
dollars). His annual income in dividends was more than $10 million.

At the age of 37, he began to focus all his attention and capital on the steel business. Andrew and a few
partners started a steel manufactory. They named this new business “Edgar Thompson” after the nation’s
most respected railroad executive. In 1873, there was an economic panic and Andrew used this situation to
buy out many of his partners. These buyouts gave him the controlling interest in the growing steel business.

n 1880, Carnegie decided to purchase about 11 percent of H.C. Frick Coke Company when the owner needed
capital to expand his holdings. This was a good deal for the Carnegie because Frick’s company
supplied Coca-Cola to his steel companies. Two years later, Carnegie would increase his ownership to 50
percent. By 1888, Andrew Carnegie would own 74 percent of the stock in Frick’s coke company.

He was subsequently involved in steel production, and built the Carnegie Steel Corporation into the largest
steel manufacturing company in the world.
Carnegie sold his steel company to J.P. Morgan for $480 million in 1901. Carnegie’s share came to nearly
$120 billion in today’s dollars. He went from zero to $120 billion during a time when there were no phones,
no fax machines, no Internet, no e-mail, no cars and no smartphones.

I was amazed to learn that his workday was con ned to only a few hours in the morning. He typically would
accomplish as much in these hours as most men do in a week. He left the day-to-day decision-making to his
partners and managed his businesses remotely via mail and telegraph. He built an enormously pro table
empire in his spare time, because of his mindset and outlook on the world.

Mr. Andrew Carnegie

After retiring as the world's richest man, Andrew Carnegie wanted to become a philanthropist. He believed
that wealthy people were morally obligated to give their money back to others in society. He spent the last
18 years of his life giving away what he called "excess wealth" to public causes, just as he outlined in his
1889 manifesto, The Gospel of Wealth.

By the time of his death, Andrew Carnegie had donated over $350 million to charity.

“ The man who dies thus rich dies disgraced.

”
Connecting Spirituality and Finance
For Mr. Pena and Mr. Carnegie, their successes came once they began to perceive the world around them as
being ripe with opportunity. This is a perception that can be developed over time. For example, Dan's life
COMPLETELY changes after he begins to view his life differently.

Another thing that should be noted in these two men's actions are their uses of money once they acquire it.
They BOTH use it to serve their life's purpose, rather than have it actually be their life's purpose.

Once rich, Carnegie repeatedly made donations to several charities he felt a connection to. He had
thousands of free libraries constructed because he recognized how much reading helped him escape
poverty as a youth. His actions show that he wanted the same for many other young men and women.

Dan on the other hand, acquired money and bought a castle, built himself a gulf course, and made
donations to charities whom he resonated with.

Money never becomes the purpose for rich people.

They only use it to serve as a means to an end.

John Rockefeller, who at this point, needs no introduction, became rich and over the course of his 97
years, gave away some $540 million to institutes and foundations who he felt were worthy of it.

History repeatedly shows wealthy men acquiring a fortune and then "paying the world back" as I'd put it.

I want to make 2 more examples before I move on.

The Rothschild Family

The Rothschild family is a wealthy Jewish family originally from Germany that rose to prominence with
Mayer Amschel Rothschild (1744–1812), a court factor to the German Landgraves of Hesse-Kassel in the
Free City of Frankfurt, Holy Roman Empire, who established his banking business in the 1760s.

Starting out in a Frankfurt banking house, Mayer and his sons became international bankers, establishing
branches in London, Paris, Vienna, and Naples by the 1820s.
Starting as dealers in luxury items and traders in coins and commercial papers, Mayer and his sons
eventually became bankers to whom the French Revolutionary and Napoleonic wars of 1792–1815 came as
a piece of great good fortune.

Peace transformed the growing Rothschild business: the banking group continued its international business
dealings but became more and more an agent in government securities (Prussian or English, French or
Neapolitan), in insurance-company stocks, and in shares of industrial companies.

In addition to banking and nance, the Rothschild businesses have encompassed mining, energy, real
estate, and winemaking. From the early 19th century the family has been known for its considerable
charitable activities, particularly in the arts and education.

They are widely known as one of the wealthiest families in Earth's history and they have greatly in uenced
European political history.
The entire family preferred to become wholeheartedly involved in their favourite philanthropic interests,
rather than simply making random payments to worthy causes. In Frankfurt, Nathan's youngest child Louise
(1820-1894) and her seven daughters were responsible for many of the family's 30 charitable foundations in
the city, including a dental clinic, a free public library, a swimming bath, old people's homes, orphanages,
funds to pay school fees, soup kitchens and hospitals. Vienna perhaps had the most astonishing variety of
foundations established by the family: alongside the more usual hospitals, orphanages and educational
foundations were a municipal theatre and a foundation for destitute photographers, one member of the
family being a particular enthusiast for this art form.

Education and support for young people is an enduring aspect of Rothschild family philanthropy. Perhaps
the most radical programme of Rothschild philanthropy was staged beyond the cities where the family
established banking houses. Israel owes many of its early economic successes to the work of Edmond de
Rothschild (1845-1934), who founded numerous colonies for Jewish settlers. A silk factory, vineyard and
our mill, as well as the introduction of crops such as grapefruit and avocado, enabled the settlers to
establish their economic independence.

As we have observed in the cases of Carnegie and Rothschild, charitability seems to be a trait the ultra rich
are fond of.

King Solomon of Israel

Solomon was a biblical Israelite king who is revered in Judaism and Christianity for his wisdom and
in Islam as a prophet. He was renowned for his wisdom, his proli c writings, and his building
accomplishments. Solomon reigned for 40 years in one of the highest and most prosperous periods in
Israel’s history - called by many, “The Golden Age” of Israel.

The Bible says that Solomon consolidated his position by liquidating his opponents ruthlessly as soon as
he acceded to the throne. Once rid of his foes, he established his friends in the key posts of the military,
governmental, and religious institutions. Solomon also reinforced his position through military strength.

Solomon built his kingdom up predominantly through commercial means. He used Palestine to be an
important center because of its strategic location for trade by land and sea. It alone connects Asia and
Africa by land, and, along with Egypt, it is the only area with ports on the Atlantic-Mediterranean and Red
Sea–Indian Ocean waterways.

During his reign, Solomon controlled the trade routes coming out of Edom, Arabia, India, Africa, and Judea;
he constructed an elaborate and pro table web of alliances, cemented by an enormous assemblage of
hundreds of wives and concubines.

Solomon’s prosperity and success were also achieved through ingenious reforms and innovations such as
the improvement of defense measures; the expansion of the royal court; the nancial windfall from more
sophisticated taxation, labor conscriptions of Canaanites and Israelites, tributes and gifts from foreign
countries under the in uence of Solomon; and a land and sea trading system that utilized a powerful navy
and army to protect assets and trade routes. According to the Hebrew scriptures, “The king made silver and
gold as common in Jerusalem as stones, and he made cedars as abundant as the sycamores, which are in
the lowland”

Tradition recognizes Solomon as an ambitious builder of public works. He was especially lavish with his
capital, Jerusalem, where he erected a city wall, the royal palace, and the rst famous Temple.

Solomon acquired vast riches and wealth, due to the wisdom he is known for to this day. He then used his
wealth to dedicate a massive building project to God. Solomon understood that without the help of his God,
he would not have achieved such vast success.

In order to "pay back the world" and show gratitude, Solomon erected a lavish temple in dedication and
thanks to his God.

The architectural design of the Temple was modeled after the tabernacle that had housed the Ark of the
Covenant for decades. Quite lavish, it was double the size and built mainly from stone, with cedar paneling
to hide all masonry, which was overlaid with gold. The inside of the Temple was decorated with elaborate
carvings, golden lampstands, an altar of incense, and two bronze pillars among other embellishments.

Again, a form of charity can be observed in the ultra-rich Israeli King.

In a less-advanced architectural age, at over 100 feet long by 40 feet wide by 60 feet high with outer doors
of ivory, the First Temple must have seemed an impossibility, a miraculous achievement, for most visiting
Israelites.

Wisdom of Solomon
Although theology is a component of Solomon’s writings, the wisdom genre focuses more on areas outside
of theology - providing advice on the created world, relationships, practical matters, and assorted personal
topics or challenges. Thus, Proverbs deals with the art of living, with how to make intelligent choices for
one’s future well-being.

It is worth reviewing some of The Great Proverbs of Money by King Solomon, the Fabulously Wealthy and
Wise King of Ancient Israel.

“ The blessing of the LORD brings wealth, and he adds no

”
trouble to it.

“ A kindhearted woman gains respect, but ruthless men gain

”
only wealth.

“ All hard work brings pro t, but mere talk leads only to

”
poverty.

“ Do not love sleep or you will grow poor; stay awake and you

”
will have food to spare.

“ Lazy hands make a man poor, but diligent hands bring

”
wealth.

“ He who loves pleasure will become poor; whoever loves

”
wine and oil will never be rich.
“ A good name is more desirable than great riches; to be

”
esteemed is better than silver or gold.

“ A generous man will himself be blessed, for he shares his

”
food with the poor.

“ Humility and the fear of the LORD bring wealth and honor

”
and life.

“ The plans of the diligent lead to pro t as surely as haste

”
leads to poverty.

“ Rich and poor have this in common: the LORD is the maker

”
of them all.

“ He who ignores discipline comes to poverty and shame,

”
but whoever heeds correction is honored.

“ He who is kind to the poor lends to the LORD, and he will

”
reward him for what he has done.
“ Wealth brings many friends, but a poor man's friends

”
desert him.

If we take time to live life by the principles described in King Solomon's timeless writings, we can begin on
the path to understanding the biblical approach to personal nance.

Too many times these simple ideas are not given their due respect. Life is not more complicated than just
following your God's word.

Try reading these proverbs - really reading them - and this time make it mean something.

Spirituality and Finance

Connecting the Dots ~ KEY CHAPTER

There exists a thinking stuff from which all things are made, and which, in its original state, permeates and
penetrates the interspaces of the universe.

A thought, in this substance, produces the thing that is imaged by the thought.

Man can form things in his thought, and, by impressing his thought upon formless substance, can cause the
thing he thinks about to be created.

This is the very essence of Wealth Creation.

Creation: the action or process of bringing something into existence.

Wealth: an abundance of valuable possessions or money.

Man must pass from the competitive to the creative mind, he must form a clear mental picture of the thing
he wants, and do, with faith, and purpose, all that can be done each day, doing each separate thing in an
e cient manner.

Faith: complete trust or con dence in someone or something.

Purpose: the reason for which something is done or created or for which something exists.

At their very essence, there is no separation between spiritual and material abundance. The poor in spirit are
also poor in their pockets.

Think about it like this: Your outer world is a re ection of what you want and value, spiritually and mentally.

Poor people are poor because their thoughts are not lled with rich energy. Now because their thoughts are
not polarized in the wealthy direction, their actions cannot re ect wealth creation. The end result for them is
a world of scarcity.

Although on the surface they might appear to be striving for a greater life, that is not enough. Their
subconscious must also believe, against all odds, that they will achieve the life they are striving for.

In the case of poor people, they are taking action towards their dream, yes. But at a spiritual level, they might
feel as if their circumstances are against them, or perhaps they feel fear about leaving their comfort zone.
Regardless of the reason, deep down they do not believe in their own success.

The reason is ultimately irrelevant. Their lack of belief in themselves is what holds them back.

That belief is then projected outwards, which then constructs their very reality.

They are keeping themselves stuck.

And if you've ever known a middle-class person, stuck is the word that de nes them. Think back to the
memories you have of the person who comes to mind. They always tried, but they were always stuck.

And they never broke free, because they never REALLY believed anything would change.

Success leaves clues.

Belief is what ultimately goes on to de ne the Elon Musks of the world, the Rockefellers, the Genghis Khans.

BELIEF.

If they didn't believe in their own future, would they go on to achieve anything?

Think about it logically.

If they didn't believe in themselves, why would they even try?

Belief removes every obstacle.

It turns mountains into molehills.

Because once you actually believe, things like fear and circumstance don't matter, because they weren't
going to stop you anyways!!

Do you understand?

Once you believe in at least yourself, or your business model, then your chances of success are guaranteed.

You are the odds maker, and you get to decide if you'll be successful, or mediocre.

It's the ego — the small sense of self — that allows us to feel limited ( nancially, as well as intellectually,
professionally and otherwise).

When we allow ourselves to believe that we are inherently abundant from within, we create abundance in the
form of money and wealth in the outside world.

Money is only the Foundation

Just like in the story of Solomon, or of the Rothschilds, or of Carnegie, money is only the beginning.

It is not the end, it is only a paper.

Getting rich just to sit on a pile of cash and gloat is very seldom a reason why people obtain wealth.

Once they actually get the money, they spend it.

They spend it on something meaningful to them.

They use the money as a foundation to reach for something larger than themselves.

Solomon built a Temple to his God,

Many people donate to charity,

Some people just buy fast cars and travel,

You have to nd what has meaning to you.

and in the words of Mr. Andrew Carnegie,

“ Financial Motive Must Prevail.

”
Building Blocks for Financial
Intelligence
Success obviously leaves clues; however, not everyone gets rich by creating the Circus. In the rst lesson of
this chapter we'll be reviewing another man with humble beginnings, who's path to success is undeniably
unorthodox.

Please observe that despite his path, he proves to be a living example that some nancial rules are
universal.

P.T. Barnum and Financial Wisdom

Phineas Barnum was an American businessman remembered for promoting hoaxes. He is credited with
creating the modern day Circus.

Barnum is known to have coined the adage "There's a sucker born every minute."

Barnum in 1851

He began his career as a showman in 1835 when he was 25 with the purchase and exhibition of a blind and
almost completely paralyzed slave woman named Joice Heth, whom an acquaintance was trumpeting
around Philadelphia as George Washington's former nurse claiming she was 161 years old. Slavery was
already outlawed in New York, but he exploited a loophole which allowed him to lease her for a year for
$1,000, borrowing $500 to complete the sale. Heth died in February 1836, at no more than 80 years old.
Barnum had worked her for 10 to 12 hours a day, and he hosted a live autopsy of her body in a New York
saloon where spectators paid 50 cents to see the dead woman cut up, as he revealed that she was likely half
her purported age.
By 1848 Barnum had collected enough riches to have his famous "Iranistan" mansion built.

Barnum's Mansion, "Iranistan" c. 1848

In his 1880 book, he left behind several valuable lessons which we should all learn from.

True Economy consists in always making the income exceed the out-
go.
THIS RULE SETS THE GROUNDWORK FROM WHICH ALL FINANCIAL SUCCESS SPRINGS FROM, AND IT IS
NOT COMPLICATED. IF YOU REMEMBER ANYTHING AT ALL FROM THIS EBOOK, BE SURE THAT THE
SENTENCE ABOVE STICKS WITH YOU THROUGH THICK AND THIN.

This can be easily understood as creating a margin in favor of the income.

One Barnum saying which sticks with me at every waking moment is this:

“ A penny here & a dollar there, placed at interest goes on

accumulating, and in this way the desired result is

”
attained. - P.T. Barnum

Barnum also speaks on the spirit of pride. He says that, vanity, when allowed full sway, is the "canker-worm"
which gnaws a man's material possessions.

Cater to Your Talent

 Think about it rationally: You'll always excel at what you're naturally good at.

Many men make the mistake of wasting their efforts on activities they do not care for. The safest plan and
the one most sure of success for the young man starting in life, is to select the vocation which is most
congenial to his tastes.

“ Unless a man enters upon the vocation intended for him by

nature, and best suited to his peculiar genius, he cannot

”
succeed. - P.T. Barnum

There is logical reasoning behind this. Entering into a eld, which you have no passion for, might result in
acquiring a skill; but you will work uphill and seize every excuse for leaving your work and idling away your
time.

Choose a Good Location

This lesson is better understood through an example..

Think about setting up a hotel in a tundra, where not one railroad leads to...

You could be an amazing manager, and the hotel could be beautiful, but your efforts will be futile.
It is equally important that you don't conduct business where all demands are met.

In other words, don't compete in a saturated market.

Avoid Debt
Debt is a slave-like position to be in, yet we nd many young men, hardly out of their "teens," in debt to their
neck.

Here is a picture which illustrates debt

In-debted workers grunt and groan; however when he is called upon to pay-up, he has nothing to show for
his money.

This is properly termed "working for a dead horse."

“ Do not let interest work against you; if you do, there exists
no chance for success in life so far as money is concerned.

”
- P.T. Barnum

Persevere
Put simply, do not let the 'blues' take hold of you. Such forces cause you to relax your energies in the
struggle for independence.

Think about it in another way:

How many people have almost reached the goal of their ambition but, losing faith in themselves, have
relaxed their energy?

Remember this Proverb of Solomon: "He becometh poor that dealeth with a slack hand; but the hand of the
diligent maketh rich."

Whatever you do, do it with all your might

Many a man acquires a fortune by doing his business thoroughly, while his neighbor remains poor for life,
because he only half does it.

There is an old proverb on the matter; 'Whatever is worth doing, is worth doing well."

Barnum says: "Fortune always favors the brave, and never helps a man who does not help himself."

Be Cautious and Bold

The apparent contradiction infact holds great wisdom.

For example: For the man who only airs on the side of caution, he never dares, therefore his pace is that of a
tortuga. But if a man is all boldness, he is merely reckless.

A healthy combination of both makes for great growth.

“ You must exercise caution in laying out your plans, but be

”
bold in carrying them out. - P.T. Barnum

The Rothschilds have another maxim: "Never have anything to do with an unlucky man or place."

This saying can be taken to mean multiple things. Among them:

1- Never have to do with a man or place who never succeeds. If he does not succeed, there are reasons for it.
Stray away from the idle and unambitious.

2- The statement could be a sort of mirror to view one's own re ection. You cannot view yourself in an
unlucky light, lest you become unlucky. Thoughts create reality. If you perceive something as unlucky,
change your perception.
One should understand that in reality, there is not really such a thing as "luck." If a man adopts the proper
methods to be successful, "luck" will not prevent him. In addition, there is a formula for luck.

luck = preparation ∗ opportunity

REMEMBER: LUCK= PREPARATION X OPPORTUNITY

Use the Best Tools

Living tools are the best tools, if you get a good one, it is better to keep him, than keep changing. He learns
something new everyday and you reap the bene t of the experience he acquires.

Beware, as he gets more valuable, he begins to suppose you can't do without him, discharge him; he is a
good for nothing if he thinks he is invaluable.

Those men who have brans & experience are therefore the most valuable.

Don't get above your business

Nothing is worth anything unless it costs effort.

“ Money is good for nothing unless you know the value of it

”
by experience. - P.T. Barnum
Without self-denial and economy, patience and perseverance, and commencing with capital which you have
earned, you are not sure to succeed in accumulation.

"There is no royal road to learning," says the proverb.

“ It was more di cult for me to accumulate my rst

thousand dollars, than all the succeeding millions that

”
made up my colossal fortune. - John Jacob Astor

Learn Something Useful

Acquiring a skill is something which, similar to knowledge, never leaves you. Once you have it, nobody can
take it away. You might lose a dollar here and there, but if you have a skill, you can monetize it, and earn
income.

“ This provision might save you from misery, so that in days

of changing fortune- rich today and poor tomorrow- you
may have something tangible to fall back upon. - P.T.

”
Barnum

Do not scatter your powers

This one is fairly obvious.

Here's what Barnum has to say:

“ Engage in one kind of business only, and stick to it

”
faithfully until you succeed.

Dan Pena, who we've carefully studied in a prior chapter of this eBook, also has something to say on the
topic:
“ Focus on the few, not the many.

Dan Speaking at one of his Seminars

The general premise here is quite easy to grasp. By engaging in one kind of business only, and faithfully
hammering at it, eventually, things will successfully snap into place.

Be Systematic
Systems are the motors of the business car!

Business is a closed, integrated system, organized by managers!! Think about it!

McDonald's for example, is able to outsource much work and franchise many locations because they have a
system in place for how things should run.

By systemizing, things become a process and are accomplished in timely manners.

“ A person who does business by rule, doing his work

promptly, will accomplish twice as much and within half

”
the trouble of him who does it carelessly.

Get the Word Out / Advertise

Barnum and billionaire real estate mogul Donald Trump both agree that advertising is one of the most
crucial parts of making a boatload of money.

Those who deal with the public must be careful that their goods are valuable; that they are genuine, and will
give satisfaction.

You can't con someone forever.

If you have anything to sell, you might as well make sure people will be happy with it, so that they can be
repeat customers.

The goal of advertising is achieved by rst, putting yourself into the consumer's shoes.

As a human, and a consumer, we prefer purchasing where we can get the most for our money.

By creating a product which is valuable, you only have to help the customer understand that YOUR SHOP is
where they can get the most for their money.

“ A man who advertises at all must keep it up until the public

know who and what he is, and what his business is, or else

”
the money invested in advertising is lost. - P.T. Barnum

People want to believe that something is the biggest, the greatest, and the most spectacular.

Don't forget: The press is ALWAYS hungry for a good story. The more sensational, the better.

The following quote is taken from Donald's book, Art of the Deal.

“ You can have the most wonderful product in the world but
if people don't know about it, it won't be worth much. -

”
Donald Trump

Have Fun
Not only in the world of nance, but also throughout life, anything can change without warning.

We were born into this earth with nothing and we will die with nothing, so try not to take anything that's
happened too seriously.
Life is very fragile. Often times its being held together by a thin set of strings.

But that is life's nature. Success doesn't change that.

“ Money was never a big motivation for me except as a way

to keep score. The real excitement is playing the game. -

”
Donald Trump

The 5 Foundational Ways Of

Creating Online Income
There's a basic process which everyone who makes internet money uses, but NO ONE shares;

Choose product

Craft an offer for it

Find a person with money

Pitch your offer

Collect Money in Exchange

Now, for many online earners, or smart people, this process will seem obvious. But for the soon-to-be
earners, it will be new.

Going through this guide might help you decide which product to choose, but regardless of what you sell,
your customer must believe that it is worth more than the price you sell it for.

This becomes easier if you understand human psychology, emotions, and language.

This is also what drives the need for salespeople and copywriters.

So to recap, you WILL NOT get paid UNLESS someone THINKS or FEELS your product is WORTH THE
MONEY.

Understanding Selling makes humans easily manipulatable, but please retain ethics and morals.
This comes down to creating, or noticing, a problem by asking questions, solving that problem, and making
a persuasive offer, but that's a different subject.

Lets get on with the list:

1 - Freelancing/Coaching/Consulting
In trying to keep each method as understandable as possible, I want to share the barebones basics of each
technique. I don't want to explain each one super thoroughly and leave you feeling overwhelmed, I just want
to share the basic idea so you know which one will suit your personality best.

Free lancers usually work in any service based industry. Basically, you build a skill and monetize it through
platforms like verr.

The Basics:

Find clients through job boards, cold contact, etc.

Sell them on your service

Deliver your service

2 - Agency
So unlike building an agency, free lancing is a one person show. Agencies operate more like a traditional
business, in that each step of the process and the work is outsourced. It involves assembling a team of
people to then have them work on each task. These people can be freelancers. (think media agency)

The Basics:

Generate leads

Sell the Service

Outsource delivery of the service

3 - Ecommerce
This broad category covers practically involves all online sales, including but not limited to physical
products, information products, or just about anything. Could be label business, drop shipping, or a liate
work. (think drop shipping/amazon fba)

The Basics:

Build a Website

Drive tra c to it
 Convert with copywriting and visuals

4 - Audience Based
This method differs from the others in that you generally seek access to a large audience rst, and then
repeat monetize them with products, ads, and a liate partnerships. (Think youtubers)

The Basics:

Build an audience

Create or A liate a Product

Drive Tra c

5 - Technology
I have no experience in this form of online income. Generally it involves creating a code based product like
creating an app.

Now, think about combining them....

How to get started immediately

Instead of having to go through the long process of creating a product, and having it possibly fail, I'm going
to give you the opportunity to make $ with an a liate program for this eBook.

Think back to the water comparison, you'll be getting in the middle of $ moving and you will get hit by it and
receive some as a direct bene t to you seeking out knowledge.

You've enjoyed this eBook

You've learned something

You've seen $ move from you to me

How to start
you can go to your social media and say something like:

I read this eBook about $ and,

I learned loads of things

I'm gonna make $ online

 Its changed my life

I learned something important about $, everyone needs to see this its amazing

All of your followers will want to join the eBook because you're being honest.

Your money should ow as follows:

Followers(Attention) ----$----> You

You'll receive the special link that you can post EVERYWHERE by emailing [email protected]

the email should say "Special eBook A liate"

Anytime someone joins the eBook through your link you'll receive 55%

Conclusion
You have now reached the conclusion of this book, and with that action being done, you have been given
great use value for a small cash value.

Now go forth and ll your coffers with gold, not forgetting honesty.

Strict honesty, not only lies at the foundation of all success in life nancially, but in every other respect. This
is simply because no man can be dishonest, without soon being found out.

To everyone who has read this, and all men and women otherwise, I do conscientiously say, make money
honestly, and not otherwise, for Shakespeare has truly said, "He who wants money, means, content, is
without three good friends."

And once more, I will reiterate perhaps the most important lesson I've learned:

"There exists a thinking stuff from which all things are made, and which, in its original state, permeates and
penetrates the interspaces of the universe.

A thought, in this substance, produces the thing that is imaged by the thought.

And man, man can form things in his thought, and, by impressing his thought upon formless substance, can
cause the thing he thinks about to be created.

To do this, man must pass from the competitive to the creative mind, he must form a clear mental picture of
the things he wants, and do, with faith, and purpose, all that must be done each day, doing each separate
thing in an e cient manner."

And with closing, shall it be noted, "This book may not be worth the money you pay for it; but if the ideas
suggested by it bring you thousands of dollars, you have not been wronged."

And in the words of the great Mr. Andrew Carnegie,

“ Financial Motive Must Prevail.

Author's Note; I just made an a liate payout of 2,000. That means ONE MAN must have earned 2,000 in 2
weeks from his a liate link for this eBook. I draw the conclusion that there should be no excuses for you not
to do the same.