Life is about expanding the way the universe is expanding. People are often criticized for always wanting more. There is nothing wrong with that. As long as we live, we should be pursuing more. More knowledge, more relationships, more money, more opportunities, more recreation, more relaxation time, more health, etc.
The poor get poorer by poor management or their resources. They live only for "now" and don't plan for the future. They foolishly buy lottery tickets hoping to hit the "big-one" and then piss the money away, if they do hit the "big-one".
The middle class just work because they live so close to the edge of their income level, that everything they make is spent. They take out loans for things they can't afford, and then work all their lives to pay them back.
The rich know the only way to get or stay rich is to have surpluses. They manage their money and opportunities to acquire surplus. In the end, they have surplus money, time, friends, opportunities, etc. all from good resource management.
The rich know about two laws that the other 90% of people either don't know, or simply ignore. Those laws are: the law of attraction and the law of compound interest.
The Law of Attraction states "Whatever you concentrate on most will come to you". If you concentrate on what you WANT to happen, it usually will. If you concentrate on what you DON'T WANT to happen, that will also happen. The movie "The Secret" is all about the law of attraction.
Einstein once said the most powerful force in the universe is compound interest. Compounding is the rate at which surplus or debt doubles. The more you have, the faster it doubles... in either direction. Losses increase as well as gains.
Begin to get rich by creating surpluses in your life. Concentrate on creating the surpluses the rich have. You get surplus money by lowering expenses, so you can save and invest money that is never used for other things.
Understand that debt is not surplus. Debt is a false feeling of surplus, but it will take you under eventually. The worst kind of debt is paying high interest to own a depreciating item. Buying cars or boats on credit is one of the worst ways to manage money I can think of.
Get rid of high interest debt on depreciating items first. Low interest debt can help leverage you into surplus, but until it is gone, it still isn't surplus. Notice the word leverage; you can use leverage to quickly gain surpluses (the compounding effect), or just as quickly cause bankruptcy.
Our country (its citizens and government) have gone from savings compounding to the debt compounding in just the last 50 years. We have gone from surplus to bankruptcy by the way we handle our collective monies.
I encourage using low interest money to help create surplus. But realize that isn't the same as surplus. Your surpluses are what you have after the debt is all paid. I will use low interest (below 5%) money to create surplus in whatever form that takes. You, of course need to do whatever's right for you.
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