At least once in their life, every person begins to think about why they have a lot of money, while others, working day and night, barely make ends meet? Why does this happen and what needs to be done to get rich and become a financially independent person? It's actually simple. The main reason why this happens is that the way a poor person thinks is fundamentally different from the way a rich person thinks.
In this article we will try to understand what the essence of the thinking of a rich person is, so that you know what to focus on.
Poor people constantly think about someone, all their actions and deeds are done for the sake of someone or something. For the rich it's the other way around. For them, selfishness is a virtue. Everything they do is just for their own sake. They know that in order to help others, they must first help themselves. And the point here is not greed, but the correct setting of priorities. Therefore, among the rich, charity is considered the main item of expenditure, where they can already help people in a big way.
Most people spend their whole lives waiting for an opportunity, expecting something and something from someone, shifting responsibility for their financial well-being to the employer, the state, etc.
A rich person's mind works differently. They set goals for themselves, think through every step and strictly follow their plans, do not count on luck, they just take it and do it. When the rich become rich, the poor still think about it.
Most people live according to a predetermined plan: school - higher education - work - retirement. They sincerely believe that without a crust, a diploma, they are nowhere. When, like the rich, they know exactly what knowledge they need, so that Few of them have a higher education, if any at all. Then in the future it turns out that these “educated people” then have to work for the “uneducated”.
You can earn a living with a diploma, self-education will make you rich
All rich people set goals for themselves (both long-term and short-term). They make plans and solve the tasks they have set for themselves. When, like the poor, they often live in the past or just one day. They either simply do not think about the future, or are afraid to change their own lives.
Typically, poor people make financial decisions based on emotions, which is why they often incur unnecessary financial expenses. The thinking of a rich person, on the contrary, is logical and purposeful; there is always a cold calculation in his actions and actions (especially in matters related to money). With amazing composure, they can either gain a huge amount of money or lose it.
Most people are busy doing things they don't like and quietly hate their jobs. The rich, on the contrary, concentrate their attention and think only on those things that they like and from which they receive great pleasure. They firmly believe that it is simply impossible to make money doing something you don’t like.
Poor people try to do something to become rich. Their actions are results-oriented. Rich people, in order to get rich, try to become someone, make themselves, become individuals.
Poor people invest their own labor, time and money. They firmly believe that in order to make money, they need money. The thinking of rich people, on the contrary, is aimed at the work, time and even money of other people.
R. Kiyosaki wrote well about this in his books. He calls it good and bad debt. Good debt is when you pay your own obligations, and bad debt is when someone else pays your debts.
If you look at the lives of ordinary people, you will notice that they waste a huge part of their time. They watch TV, surf the Internet, hang out on social networks, or just hang out with friends over a bottle.
This is how the life of rich people is radically They plan their day carefully and minute by minute. All free time is spent usefully (self-development, self-education, books), spent on things that will bring them income in the future. For them, time is more valuable than money.
Poor and middle class people are CONSUMERS. They spend more than they can afford. Moreover, most of their expenses go to liabilities (what eats up money).
Oddly enough, he lives much more modestly than he can afford. Most of their income goes towards acquiring assets (things that will generate income).
Poor people tend to chew on past mistakes and failures and are afraid to try something new.
The thinking of rich people, on the contrary, is structured differently. They see every mistake and failure as an invaluable experience that makes them even smarter, wiser, braver and richer.
The rich teach their children the basics from childhood and instill the knowledge and skills necessary for this.
The poor, on the contrary, teach their children the need to receive an education, to work eight hours at an unloved job in order to receive a meager pension benefit from the state. In general, they teach children not to live, but to survive.
Rich people strive to find like-minded people. They communicate more with people who are more successful than themselves, so that they have someone to learn from and something to strive for.
The poor are considered snobs and thieves and, in general, “bad” people. Therefore, they avoid in every possible way and reduce communication with them to nothing.
The thinking of rich people is always focused and aimed at increasing capital. Their money is constantly working, bringing more and more profit. The poor, on the contrary, are fixated on saving and accumulating, thereby missing out on many opportunities.
Now you have an idea of how rich people think. And, if you slowly begin to change your own thoughts, you will be surprised to discover how your financial decisions and actions will change in a positive direction. This means your life will become more successful and financially secure.
Thomas Corley, an American researcher who spent five years studying the habits, thinking and other “peculiarities” of rich people, came to an interesting conclusion: wealth has very little to do with luck, but almost entirely depends on habits. Corley analyzed the daily habits of rich people and people living in poverty (233 representatives of the first group and 128 of the second), and identified what he later called “habits of wealth.” Many of them do not relate to actions, but rather to a way of thinking.
"I've come to the conclusion that rich people are generally optimistic, they are grateful, and happiness is also part of their habit," Thomas Corley was quoted as saying by Business Insider. He presented the results of his research in the book Rich Habits: The Daily Success Habits Of Wealthy Individuals, as well as on his website. In his study, Corley considered “rich” to be people with an annual income of at least $160 thousand and owning assets worth $3.2 million or more. The poor in Corley's classification are those who earn less than $35 thousand per year and whose assets do not exceed $5 thousand.
Business Insider has collected ten fundamental principles of thinking for rich people.
1. Rich people believe that their habits greatly influence their lives.
52% of rich people and only 3% of poor people agreed with the statement “Everyday habits are critical to financial success.” The rich are sure: bad habits accompany failures, and good ones create so-called “alternative luck”, new opportunities. “When I asked about luck, most of the rich said they were lucky, and the poor considered themselves unlucky,” commented Thomas Corley.
2. Rich people believe in the American Dream.
2% of wealthy people and 87% of poor people agree with the statement “The American Dream no longer exists.” The essence of the American Dream is that all people have relatively equal opportunities, and everyone can achieve great things using their own potential. And practically the rich people Corley talked to are still convinced that wealth is part of the American dream; many continue to believe in it.
3. Rich people believe that relationships with people are important for professional and personal growth.
“Relationships are critical to financial success,” 88% of rich people and 17% of poor people agree. At the same time, rich people not only agree with this statement, but also do a lot to develop and maintain their own network of valuable contacts. They do not forget to congratulate their acquaintances, colleagues and partners on holidays, birthdays, and important events taking place in their lives.
4. Rich people love meeting new people.
68% of rich people and 11% of poor people declared their love for meeting new people. This habit, Corley notes, goes hand in hand with the previous one. In addition, the rich consider it important to like new people (95% of rich people talk about the importance of likeability in financial success).
5. Savings and savings, according to rich people, are very important.
88% of rich people and 52% of poor people agreed with the statement “Saving and saving money is an important part of financial success.” “Being rich doesn’t just mean earning a lot, it’s also about saving, about savings. Many rich people I talked to became rich not so much because they earned a lot, but because of the right habit of saving,” he believes Corley. He recommends the 80/20 principle: spend 80% of your income on life, save 20%.
6. Rich people believe that they determine their own path in life.
90% of poor people and only 10% of rich people believe in fate, and this is very significant. Poor people tend to attribute a lot of things to fate, genetics and various factors that are essentially beyond a person’s control. “Many of the rich people I talked to were not always rich, but they always believed in their own abilities and that they could achieve anything on their own,” said Thomas Corley.
7. Rich people consider creativity more important than intelligence.
75% of rich people believe that creativity is key to financial success, while only 11% of poor people agree with this statement. The poor believe that intelligence, rather than creativity, is more important for wealth. They also tend to believe that lucky accidents lead to wealth. "According to statistics, those students who show very average results during their studies become rich. Intelligence is not the decisive trait," Corley said.
8. Rich people are happy with their jobs.
“I like what I do for a living” - 85% of rich people and only 2% of poor people agree with this statement. "Most rich people love their jobs, and that's no coincidence," Corley says. 86% of rich people work an average of 50 hours a week (half as many poor people - 43% - do the same). 81% of rich respondents note that they always do more than is required of them (only 17% of poor people can boast the same). Corley ties this to the idea of the importance of creativity in financial success: “When people find a creative activity they love, it easily ‘translates’ into monetary value.”
9. Health influences success, rich people are convinced.
85% of rich and 13% of poor people agree that success largely depends on health. “One of my interlocutors told me that he would not be able to earn money while lying in the hospital. Health, according to rich people, means fewer sick days, greater efficiency and more money earned,” notes Thomas Corley.
10. The rich are willing to take risks.
“I would take risks to get rich” - 63% of rich people and 6% of poor people agreed with this. "Many of the people in my study are business owners. They achieved success because they devoted a lot of time and effort to educating themselves, but also learned a lot from the tough lessons life taught them," said Thomas Corley. 27% of wealthy study participants admitted that they had at least once suffered a major failure in business (among the poor, only 2% did, and this is the best illustration of the expression “He who does nothing makes no mistakes”). "Failure creates a new connection in the brain. Lessons last a lifetime," says Corley.
He discovered that the secret to wealth "is not the money itself, but the way of thinking that generates it."
The rich see the world differently, says Siebold, citing the 8 most common beliefs that distinguish the thinking of a rich person from the thinking of a poor person.
1. Rich people consider themselves rich by right. The average person thinks that wealth is a privilege.
The rich understand that they are so by right. For them, this is an urgent need, since they must create a product that will make life easier and simpler for the majority of people, which will give them what they were missing before. By creating such a product, rich people earn a lot of money. But it takes a lot of work - and the rich understand this. The average person believes that only the lucky few can get rich.
2. Rich people consider owning their own business to be the fastest way to make money. Ordinary people consider business as something dangerous and risky.
Working for your uncle is no less dangerous and risky than running your own business. No matter how strange it may sound, people who work for themselves can actively look for ways and means to increase income at their own request.
Of course, there are risks associated with starting a business, but rich people “know that the biggest risk is not reaching their own potential. Rich people start a business and make a profit from it, ordinary people settle for a steady salary - and miss their chance to make a fortune.
An ordinary person, with his own hands, dooms himself to remain financial mediocrity, with a modest salary and the possibility of a small salary increase from year to year.
3. Rich people understand that wealth is brought by an idea; ordinary people believe that in order to earn big money you need to be very smart.
If the key to acquiring wealth was getting excellent grades in school, every college graduate would be rich. The ability to earn a lot of money has more to do with cunning and intelligence than with the ability to remember a lot of information and score high on exams.
4. Rich people understand that accumulating wealth is a team effort, ordinary people believe that earning a lot of money is the result of your own efforts.
It is only through joint efforts that it is possible to earn big money, so rich people put a lot of effort into creating a first-class team. The coolest achievements are built through collective mental and physical efforts.
The people you surround yourself with are more important than the product you work with and the profit it brings.
5. Rich people think that making money is easy; the average person thinks that making money is extremely difficult.
Ordinary people have always believed that rich people are smarter, luckier, or more educated. It's not like that at all. The rich know that cash flows bring ideas and the ability to solve most people's problems. The better and more effective the solution, the higher the income. Making money may not be easy, but it is simple. There is no secret here, it’s just that some people don’t believe in themselves and put obstacles for themselves on the path to wealth.
6. Rich people understand that big money is a special way of thinking; the average person believes that big money is the number of hours spent on work.
The average person perceives big money linearly: to earn more, you need to work more hours.
The rich think about big money in a non-linear way, creative thinking is the key to success. Develop it and you will find a solution to even the most complex problems, which will help you make money.
7. Rich people consider money to be liberation; the average person considers big money to be a burden and responsibility.
The rich see money as a convenient tool that will simply give them freedom and open up opportunities for them and their families. The average person believes that money will depress him. He demonizes them and denies their importance. Is it any wonder that with this mindset, most people will never make much money?
8. Rich people understand that work must be effective; an ordinary person simply works for money.
Working just to earn money - you can't imagine anything worse than that. And the rich have always understood this. You should not look for a job with the highest salary, but a job that will provide potential for your growth. Once you have found it, put your heart, soul, and all of yourself into this work, giving yourself completely to it - and then you will become one of the most competent people in your field. Then big money will come - as a consequence, and not the original goal.
Being wealthy is an unaffordable luxury for most people. They will never succeed. And all because their mindset is that of the poor. Don’t believe that inequality does not depend on social status, but on the way of thinking? Then find out how rich people think, it will change your worldview and become the starting point for a new, successful life.
Self-centeredness
Both rich and poor consider themselves completely happy only when everyone is happy, if surrounded by loved ones and acquaintances no one suffers. The only difference is how rich people think about changing the situation for the better. They are sure: in order to help others, first of all, you need to be strong and successful yourself. And they are not tormented by remorse due to the fact that they care about their own well-being first and foremost.
Constructiveness
Casinos, lotteries, government benefits, an advantageous marriage, the search for a rich uncle, winnings are not of interest to truly successful individuals. This is how rich people think: “This is not constructive, so don’t waste your time.” They are attracted only to specific tasks that bring specific results.
All-consuming interest
Self-education
Rich people do not hope that “someone” will teach them something for which they will later have extra income and profit. Successful individuals are focused on their own idea, and in the process of its implementation, they are eager to learn everything that concerns the matter.
Focus on the future
Pondering prospects in all possible variations for the poor is an illusion and building castles in the air. The matter is very pleasant, but doubtful. What do rich people think? They are convinced that dreams are different in their possibilities, but still they are ways of realizing ideas.
Attitude to money
The rich have always wanted to earn a lot, but not for the sake of money, but to expand their opportunities.
Entertainment and relaxation
Poor people want to earn a lot in order to have fun and relax according to their concept of “chic”. Therefore, they settle down whenever possible, which is rarely loved, but more like slavery. The rich have always done only what was extremely interesting to them. For them it is work, leisure, and gambling.
Environment
Think and become rich! This means - appreciate the people around you for their skills. A rich person is admired by people who are masters of their craft. Even if in someone else's eyes this is a stupid thing, for a leader it is a uniqueness that must find its niche in the business world.
For an ordinary person, the most difficult thing is not to be afraid of failure, which is usually equated to a life tragedy. A large loss of money for a rich person is an invaluable experience, an incentive to understand the mistakes made so as not to repeat them later.
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