Category: Rich Dad Poor Dad

‘Rich Dad, Poor Dad’ is about Robert Kiyosaki two dads one his real father (poor dad) and another father of his best friend (rich dad). So the story main character is he himself. In this book we will understand why rich are getting richer, poor are getting poorer and middle class well middle class. This book is story of Robert Kiyosaki’s life because he talks about the two most influential figures in his life his poor dad who is biological father a highly intelligent educated man who has Phd and has a well-paying job but struggled financially throughout his life on the other hand was his rich dad who was his friend’s father and he had only eight grade education but he went one to become one the richest man in Hawaii.

The next plot talk about financial statements because most of people understand the different between income and expense its very straightforward but they do not understand different between assets and liabilities now assets are something that work for you and generate income for you even if you are not working for example cash flow positive real-estate investment that produces $1000 a month income is asset a business that produce income for you is an assets on the other hand labiality is always taking out money from your pocket even when it is staying idle when you are not using it so for example a large house apart from personal use for which you are paying a lot of mortgage everyday but it’s not really putting money in your pocket now that is liability a big luxury car you bought for your personal use again that is liability because it is losing value every day.

The three key most important lessons we learnt from this book and the first lesson is: what kind of education to get? What we teach most kid when we start off and kind of education to get the poor dad always told Robert go ahead study hard and gets best possible education so in future he can get a best job and believed in conventional education. His poor dad is constantly educate himself but never really learned about money and finances. He was educated intelligent man he had phd but when it came to finances he was ignorant and he doesn’t know how money works on other hand his rich dad an eighth grade passed he always said go get the best possible education so that you can start your own business or buy a business and give other people job. A huge mindset different is that his poor dad was saying go get a education so you can get a job while the rich dad was saying go get best education and be a job provider. So the rich dad believe in a kind of education where he is constantly feeding his about business, finance and there are four key area of financial education that he always emphasize on which were accounting, investing, marketing and the laws that surround finance and money. So the important lesson to understand that instead of focusing our education on the conventional education we need to think about educating financially ourselves with accounting, investing , market law and everything else that goes around to building a financial portfolio to building the business.

The second most important lesson is that what kind of work to do? Let’s say you have gone to college and you graduate from college, what you do next? What kind of work you should do? And here is the key the rich don’t work for money. What does poor and middle class says ‘go get degree and get a job’. Their mantra was go work for money rest of life. And that’s what poor and middle class people do. They learn how to works for money and work for others as a employee. They wonder by working this long why they’re not getting rich. The challenge for poor and middle class people is fear and greed. They are fearful of staring their own business they are afraid of taking risk so that’s where the rich differ from poor. The rich dad said the rich don’t work for money, money work for them. So rich dad mantra was the rich work to acquire and improve on their assets and these assets produce income. So rich dad was always acquiring and growing his assets like business, cash flow positive, real estate, and stock. Rich people do their own business, they leverage business structure and taxation to grow more.

The third key lesson the most important lesson is: how to invest/spend money? Let’s say you have your education and you are doing job or your own business how do you spend your money? And the key is to pay yourself. First now let me ask you question: you probably know of people who are making money, but still are broke in the sense of no real tangible assets. What happen? What is the key to these people going broke while some people, who are not, making as much money on them, but they are rich. Well and the key is when do people pay themselves, when are you paying yourself now here. What the poor people do they have income coming in and then as soon as income comes in it goes out into expenses they never put the income into an assets, they never pay themselves. They are ignorant about how money works so the income comes out and goes as expenses. They never get around to paying themselves at all on the on other hand middle class they start with certain amount of income they have spent up and that income on liabilities and the liabilities are just become expenses and money goes out of their expenses column. They have very limited assets or they may have little amount of retirement savings or bank balance. They might also have higher income and also have higher liabilities which in the end keep taking money out of their pockets. So, these people the middle class people are paying themselves lasts and first things to do.

In this world of home mortgages, student loans, investments, retirement funds and taxes, the goal for many is financial freedom. For those who have received no formal education on financial matters, it’s far too easy to quickly fall into debt or fail to budget. During his time at Northwestern University, Michael Stummer had the opportunity to become specially educated in the field of finances. Stummer knows that not all adults have the years of training and experience he has. For those wanting to educate themselves on personal finances, he recommends the following three books.

1. The Total Money Makeover by Dave Ramsey

If you’re like most, the chances are you probably already have some debt. Paying it off is the first step towards gaining fiscal success. In his 15 years in the finance industry, Michael Stummer has seen firsthand the ways that accumulation of debt has become the biggest roadblock for people who are craving financial freedom.

Considered a classic in the world of finance literature, The Total Money Makeover outlines how to achieve financial freedom despite monetary challenges. It zeroes-in on the number-one roadblock to successful money management: debt. From home loans to student debt, just about everyone has it. In the book, Ramsey focuses on how you can achieve financial freedom by eliminating debt, not falling victim to scams, and developing healthy saving techniques.

2. The Millionaire Next Door by Thomas Stanley

It’s early in life that we (either knowingly or unknowingly) first make the financial decisions that will affect us for the rest of our lives. Though it’s aimed at young, twenty-somethings, The Millionaire Next Door by Thomas Stanley gives practical advice for making smart financial decisions.

The book chips away at the stereotype of millionaires as luxury-living tycoons who sink big bucks into yachts, flashy cars and outlandish watches. On the contrary, Stanley uses the real spending habits of wealthy individuals to analyze how you can best save, invest, and spend your money.

In his analysis, Stanley shows that monetary wealth and financial success aren’t as unattainable as we believe. Using the book’s methods, you’ll be able to learn how to invest, spend, and save your money effectively, bringing you one step closer to absolute financial freedom.

3. Rich Dad Poor Dad by Robert Kiyosaki

Everyone has to start somewhere. In the world of financial jargon and investment legalese, it’s hard to know where to begin. Through his role as the President of the Arlington High School Boosters, Michael Stummer has learned that not everyone is equipped with the know-how and vocabulary necessary to tackle financial topics.

In the book, Kiyosaki aims to remedy this education gap in his bestselling finance guide, Rich Dad Poor Dad. In it, he uses layman’s terms, real-life scenarios, and straightforward explanations to outline the average joe’s path to financial freedom. Excellent for beginners who don’t know where to start, this book focuses on the acquisition of passive income. It lays the groundwork for anyone wanting to learn about real assets and investments such as real estate.

Final Thoughts

We can’t all be finance gurus. As a part of a traditional, formal education we learn the basics of math, reading, and the sciences. Many glide through high school and even receive college degrees without ever learning the essentials of budgeting, investment, or saving.

Michael Stummer asserts that for most, learning the skills of financial success take initiative and self-driven education. Books are easily the best resource for those looking to expand their knowledge on money and how it works. These three titles might not make you an investment expert or immediate millionaire, but they’re a great way to start your journey towards financial success.

An entrepreneur is an innovator, generator of new creative business which has not been tested before while taking a risk.

Entrepreneurship is the process of designing, launching and running new business while gilling to develop.

Robert Kiyosaki is an American businessman and author, who knows as the writer of ‘Rich Dad Poor Dad book’.

We consider this person as an entrepreneur because this person grew up in a middle-class family and made it all the way to be investor and an entrepreneur.

He changed the way of millions of people who think about having money or trying to be rich, he believes that the people in the world need more entrepreneurs who will make and creates new jobs.

Innovation is the process of innovating, creating new ideas or a product that can help in making human life easier, according to Robert kiyosaki, he spent most of his time trying to come up with new ideas, he had a motivation inside him that he wanted to come rich, he started chasing his dreams and learning every step from his rich dad to be an entrepreneur and to be an innovator, his rich father started putting him in different tests to check his tolerance to follow his dreams and innovate, he made him work in a lot of different things, step by step he taught him that life must be your school of learning because general schools do not teach you to innovate.

He started doing everything practical and taking the way to design thinking, he had to first empathize with himself and the people around him, he started defining his problems that he was a middle class child while he lived in super rich neighbourhood, and then he noticed he had to come up with an idea to start from and had to make a prototype sample to start with, he tested first the real estate business where he purchased a house at very low price in a poor area, and sold it again after this area was rebuild by the government, step by step repeating the same process,

He lifts many jobs like first one was oil tanker sailor, marine corps and he earned himself the Air Medal Award but he lifts the marine to be a salesman for Xerox the copy machine company, after four year he lift Xerox. He dropped out the MBA program which dad pushed hem to enrol, to study real estate investing and started his way in being an entrepreneur in real estate and now he is investing money in education of innovation to be teach to the youth.

His friend’s rich dad is the most important person to his success, there are many reasons for that, first the rich dad was a high school dropout but he become successful in business in fact he was one of the richest men in Hawaii so he was a great businessman model for hem, the rich dad taught him how to build himself and being an entrepreneur. He was inspired and encouraged from his friend’s Rich Dad.

Robert Kiyosaki design thinking was leveraged his sales experience to make money through classes about entrepreneurialism and building wealth, in the other hand he was good in knowing the stock market and knowing when is the best time to sell or to buy to earn good profit through prices difference.

References:

1. Rich dad boor dad book (by Robert T.Kiyosaki 2012).
2. ‘Marketwatch – Rich dad’s seminar’s deceptive marketplace’. CBC. Retrieved November 13, 2017smartasset.com https://www.youtube.com/watch?v=dv6feHB0AE4

‘The poor and the middle class work for money. The rich have money to work for them.’

Introduction: Robert thinks he has two dads, one is his biological father, well-educated and very smart, but Has been struggling financially, the other is the father of his friend Mike, who never finished eighth grade. But he left tens of millions of dollars for his family. There are two parents that allow you to choose different points of view: one is the rich and the other is poor.

Summary Chapter 1: The author shared the story of his 9-year-old son, telling his real or poor father that Jimmy did not invite him and his friend, Mike, to a party at his beach house because they were poor from. guy. He asked his poor father: ‘How to get rich?’ ‘Use your brain’, his father replied that he did not know how to make money. Robert and his friend Mike started a business. They are both 9 years old and trying to make coins at Robert’s house. His poor father and his friend laughed. His father suggested that he seek the advice of Mike’s father, although he is not rich. Time, but I know a lot about money. At first, Robert did not understand what Mike’s father wanted him to learn. He only works 10 cents an hour, but when he decides to quit, his rich dad tells him that if he works for money, he wants him to learn this lesson. ., You will end your life with much less income than you deserve. ‘The rich don’t work for money, they let money work for them,’ he said. For the poor, my rich dad said: ‘They have a pattern of getting up, going to work, paying bills, getting up, starting work, paying bills.’ This is what I call a rat race. People’s lives are always controlled by two emotions: fear and greed. Many people say: ‘Oh, I am not interested in money.’ However, they have to work eight hours a day.

The main reasons for poverty or financial difficulties are fear and greed. Ignorance, not the economy, the government, or the rich,’ he said. He further explained the trap as a donkey dragging a car with a carrot hanging in front of the owner’s nose instead of looking at the whole picture. The donkey lives in ignorance. Rich dad went on to explain that rich people know that money is an illusion, just like eating a carrot of a donkey. He tried to explain to them that most people don’t see opportunities because they are always looking for money and stable jobs to pay for. Their money. Invoices. Robert and Mike heard all these points. While working in rich dad’s shop, Robert saw an opportunity to open a comics library with comic books not for sale, just because he got his rich dad’s advice. You must not let your emotions, fear and greed, occupy you while simultaneously considering money. Instead, use your mind, and then you can see opportunities.

Chapter 1:

The rich do not work for money. Many people mistakenly believe that this means that the rich do not work. In fact, the situation is quite the opposite. The truth is that most wealthy people work hard, but their way of doing things is different from most people. The rich and those who want to get rich are working and learning to make money every day. As Father Rich said: ‘The poor and the middle-class work for money.’ The rich give them money. Having a permanent job is only a short-term solution to the long-term problems (or challenges) of wealth creation and financial freedom: Fear keeps most people working: Worrying about not being able to pay bills, worry

Chapter 2:

Why teach financial literacy? During this process, Dad explained the difference between assets and liabilities. Chapter 2 does not tell you how much money you made. Assets are valuable things that can generate income or increase in value, and they have a market that is easy to buy and sell. Assets that can generate income. Valuable assets. Content that is useful to you because of cost. This is because, by definition, a home is not an asset unless the home is of sufficient value to cover the cost of ownership. On the contrary, a leased property is an asset because it can generate enough passive income to exceed the financial and operating costs of the property. When you really understand what property is. Keep liabilities and expenses low. You will examine the columns of the article in more depth.

Chapter 3:

Taking Care of Your Business. This lesson has two pieces of information. First, pay off debts and start investing in income-generating assets as soon as possible. Next, spend some time (not salary) and invest as much as possible to maintain a good financial situation. Most people confuse professionalism with business. Most of the poor and middle class are economically conservative, mainly because they lack a financial foundation. They must continue to work and work safely. They are not capable of taking risks.

Chapter 4:

Fiscal History and Business Strength VIN In this chapter, it should be noted that Rich Dad Poor Dad is a very instructive book, not the advice of tax or finance experts. For example, Kiyosaki wrote that he once bought a Porsche at a time and used it as a business expense in pre-tax dollars. Buying a luxury car when the make and model are much cheaper will be a start, allowing investors to get on the quick appraisal track. In addition to Porsche, the main points in this chapter also present how to invest wisely in the game. The wealthy understand the power of corporate structure and tax laws, and they go to every legal means possible to minimize their tax burden. Compare how business owners and investors of companies such as C Corps, S Corps or LLC pay taxes to understand how most people pay taxes: Business owners with a corporate structure: Make money. Expenses. Pay taxes. Employees are located in the following locations: Working in a company: Earn money and pay taxes and expenses. Please note that employees who work for others spend their own money after taxes, while business owners spend their money before taxes. The chapters of the book also cover the four main components of Kiyosaki’s so-called financial IQ: accounting, investment strategy, market law, and law. As rich dad and poor dad remind us, understanding the law and tax benefits will greatly promote long-term wealth creation: Businesses also provide legal protection against lawsuits. When someone sues a rich person, they often receive various levels of legal protection and often find that the rich person does not actually own any property in their own name. They control everything, but [individuals] have nothing.

Chapter 5:

Abundant Money Inventing money means seeking opportunities or deals when others lack skills, knowledge, resources, or connections. This chapter introduces two types of investors. Stakeholders who purchase portfolios. Most investorsu2019 investment methods, such as buying ETF stocks or investing in real estate crowdfunding companies. Professional investors take care of their investments and research the market to find out offer meaningful things and then hire professionals for daily monitoring. Professional investors have three things in common: Find opportunities that no one can see. Raise mutual funds. Cooperate with other smart and talented people. Some people think they are Real estate, cheap prices do not exist anywhere, but there are good opportunities everywhere. Ignore it. Most people do not receive financial education, nor are they aware of the opportunities available to them.

Chapter 6:

Study, don’t work for money. Poor father is smart, well-educated and works for money because of what work means to him. My rich dad became a learning millionaire. As Kiyosaki said, the reason I advise young people to look for work is what they will learn, not the money they earn. Search the streets to see what skills they want to acquire before choosing a particular industry and running into trouble — in fact, this is exactly what Kiyosaki does. After graduating from college, he joined the Marine Corps and learned the business skills necessary for leadership and management. After serving the country, Kiyosaki joined Xerox, overcoming fear of being rejected as one of the company’s top five salespeople, then left the corporate world to start a business. Your own company. ‘Rich Dad and Poor Dad’ This chapter focuses on the synergy of management skills necessary for business success: cash flow management, system management, personnel management, rich dad poor dad

Chapter 7

first introduces the rich and the rich The difference between the poor is the way they deal with fear. Robert Kiyosaki didn’t talk about how some people feel when they are scared. Go to the dentist or find an exorcist. In this book, ‘Fear’ talks about the fear of losing money and how to deal with this fear. This is one of the five obstacles people face when they become financially independent: fear, absurdity, laziness, bad habits, arrogance, these barriers – and insurmountable – that is why educated and economically intelligent people still cannot develop a great deal. A number of obstacles to cash flow from income-generating assets. Fear The act of investing in life, like the fear that accompanies life. Kiyosaki noted that he has never met a rich man who has never lost money, but he has met many poor people who have never lost money on investments. V. Real estate investors who choose to act only under certain uncertainty will be paralyzed by fear. Those who don’t see the big picture and want to be are those who are rarely successful in investment or life. Absurd. Everyone has doubts that it will affect their self-confidence, so it is easy to fall into the ‘what if this happens?’ trap. Play. Especially when your friends and family members keep reminding you of possible shortcomings. Fifth, the economic collapse, rising interest rates and the non-payment of rent by tenants are common concerns of all real estate investors. Although these are important things to consider, it is important not to let other people’s jokes get out of control. Otherwise, if there is a possibility, you can freeze. Laziness. In today’s interconnected world, it’s easy to get confused with busy work. In fact, according to rich parents of rich parents, busy people are often the laziest. Busy people come to the office sooner or later. They take work home and finish work in the evenings and on weekends. Before they knew it, the people and things that were most important to them disappeared. Fifth, successful real estate investors will not give up or make mistakes to achieve success. They must be aggressive and, first, take care of themselves and their wealth. Bad habits, Behavior control habits. For example, most people pay their bills before they pay. As a result, there is generally very little investment left at the end of the month. Even if you don’t have enough money to pay others, this will make you stronger financially, mentally, and physically. In a way, it is a form of reverse psychology. When you develop the habit of paying first, you will be motivated to worry about not being able to pay your creditors. In turn, you start looking for other forms of income, such as investment property. Arrogance. Investors know what makes them profitable. But this is something they don’t know, and they don’t know, what cost them money. When people are truly arrogant, they honestly believe that what they don’t know is not important. Practice listening to the opinions of others, especially opinions about money and investments. If you are missing a topic, do your own research or find an expert on the topic. V. Overcoming the five biggest obstacles to real estate success requires balance and focus. Today, there are many ‘chicken flocks’ in the world who are victims of cynicism and pessimism. Rich dad and poor dad suggest eliminating negative people and their fears from life. Instead, please look at the big picture and always ask: What good is this for me?

The first step

In Chapter 8, our rich fathers and our poor fathers told us that gold is everywhere, and most people can see it without training. Part of the reason for the lack of vision and clarity comes from the world we live in. Since childhood, we’ve been training ourselves to work hard for others, spend hard-earned money, and borrow more when we need it. Unfortunately, people choose not to spend time developing their financial genius. Fifth, real estate investing is a good example. The average person can go a week with nothing in the field, while a well-trained investor can easily find four to five major deals in one day. You can take the following ten steps to develop your financial genius and discover the gold that already exists, and affirm that you have discovered it: There is a deep emotional reason or purpose to do something, which is a combination of desire and reluctance. understand the ability to choose what to do every day, including choosing the right habits and self-education. Use the power of bonds to carefully choose your friends, and be careful not to listen to the voice of the poor or the feared. Use the ability to quickly learn and formulate income formulas. When you use self-discipline to manage your cash flow, staff and personal time, you must pay first. choose excellent talents for your team and give them wise advice, because the more they make, the more money you make. asked, ‘How long can I get my money back?’ Focus on ROI first, then focus on ROI. uses money earned from his own property to buy luxury items and emphasizes self-discipline to attract more money. becomes a role model and provides you with great service. Know that if you want something, you must first provide something. Do you want more? You can perform the following operations. In the final episode of Chapter 9 of ‘Rich Dad and Poor Dad,’ Kiyosaki compiled the main lessons of the book into a list of actions you can start to take today: Avoid doing this. Take a snapshot and evaluate what works and which does not work. Find new ideas by searching for information on different and unique topics. Find mentors who have been to your home, invite them to lunch, and move your brain. Make sure you can learn by attending classes, attending seminars, and reading books.makes a lot of suggestions (always with an exit clause) because eventually someone will say ‘yes’. For the next 12 months, spend 10 minutes a month walking, running, or driving in an area, looking for changes that can produce good business. Buy real estate when the market corrects because the profit comes from the purchase rather than the sale. Learn how, when and where to buy through investment training. Fifth, we must have lofty ambitions and be rich, because few thinkers have made great progress. Most people are just looking for something affordable, so to buy a larger cake and cut it into pieces, first find the buyer and then the seller. uses bold ideas to gather people together and buy in large quantities to negotiate volume discounts. read the story and learn from it because history is always repeating itself. action is always better than action.

Rich dad, Poor dad Book by Robert Kiyosaki inspired me the most The Rich Dad, Poor Dad book by Robert Kiyosaki is a worldwide hit and has become an inspiration for any individual who needs to improve their comprehension of how cash functions. The book recounts the narrative of the writer’s two dads and their altogether different mentalities to cash. Robert’s genuine dad is the purported ‘poor Dad’ while his companion’s dad was ‘rich’, in spite of both acquiring a decent compensation. Robert takes us on an excursion that uncovers how he understood abundance relies more upon the moves you make with the cash you do have, at that point, it does with the amount you procure. The exercises he instructs urge the peruser to initially receive an uplifting outlook towards cash since it is your mentality that prompts positive activities. How it inspired me: Bring in cash work for you

Robert features the overall shrewdness that the majority of us know where it counts; better to have the opportunity to do as you wish by accepting easy revenue than working for your cash for a really long time at your manager’s office. What is significant is the excursion you continue making sure to consistently think deliberately with respect to your cash hoping to fabricate more pay than costs. • The vital exercise here is to dominate the control of two feelings: dread and want. Dread is a compelling feeling and it is typically what inspires us to get up in the first part of the day, drive into an office, and procure a check. Cash anyway is basically a man-made dream. It is our craving to purchase ever progressively luxurious buyer merchandise that drives us to go after that pay rise. • To change this conduct the author’s ‘rich dad’ shows the little youngsters in the story to quit contemplating getting pay and security, and begin considering how to produce cash for themselves. The contention is the vast majority are so overwhelmed by security and the following compensation hop they botch openings directly before them. When you change your point of view the world presents freedoms to produce abundance that should be possible morally and as long as possible.

Deal with your cash:

Making great choices with your cash is no weighty exercise, however, what the vast majority neglect to appreciate is that monetarily fruitful individuals center around setting aside cash and not spending it on extravagances until they can really manage the cost of them. Throughout the most recent 30 years, it has gotten exceptionally simple to go through your own cash as well as end up owing debtors. A typical snare that numerous individuals fall into is zeroing in on acquiring assets that impart the dream of abundance when in all actuality they are living check to check. • The story shows the basic exercise; resources are things that bring cash into your life, while liabilities are things that remove cash from you. To underline this point the story instructs the peruser that the house you live is a risk as it by and large costs you cash each month in spite of a great many people considering it their greatest resource. • Resources are depicted as things that really create cash, like investment properties. By restricting your liabilities you can develop your resources by zeroing in on securing and building an arrangement of resources that acquire automated revenue, which thusly, will in the end give independence from the rat race. • Robert recognizes the critical issue for some isn’t that they don’t bring in cash, however, that many don’t have a clue how to manage it once they have it, how to prevent individuals taking it from you, and how to safely convey cash to make it work for you.

Pay yourself first

This exercise may appear to be somewhat abnormal from the start, possibly flippant, yet there is rationale. Rich Dad Poor Dad expresses that while accepting their month to month pay the two dads acted was in an unexpected way. Poor Dad would take care of the entirety of his bills immediately and live off anything that remained. By contrast, Rich Dad would pay himself first and use what was staying to cover his costs. • In spite of the fact that it seems like a poor choice Rich Dad realized that occasionally we as a whole should be roused into making a move and not getting excessively OK with simply getting by. He found that by making a tad of pressing factor in his own life his innovative reasoning would dominate and he would search for approaches to cover the bills. • Presently we are surely not upholding that you should go on a shopping binge and go through the cash you need to cover your bills. Yet, put yourself into the position intellectually of searching for approaches to broaden your pay far beyond what you need for fundamental living. Monetarily wise individuals will in general have numerous types of revenue from property to a fair monetary portfolio. Looking and considering openings is an incredible ability to master.

Realize that when will generally be strong:

Our confided-in creator Robert spreads out our fourth exercise, which we accept is perhaps the most significant. The vast majority never arrive at independence from the rat race not on the grounds that they aren’t shrewd or able, however, are excessively scared of losing or fizzling. • As people we learn by first coming up short or committing errors, it is this cycle that regularly encourages us the correct method to accomplish something. Truly, you don’t need to be a virtuoso to acquire monetary achievement, and various significant level capabilities won’t promise you will be well off in the event that you don’t set aside the effort to see how cash functions and have the will to take a touch of determined danger. • Once more, we are not saying individuals should go out there and gambling everything on the principal thing they see. The expertise is to be sharp about the choices you make and realize when to take some degree of hazard, gain from past botches, survey the circumstance for what it is, not what you might want it to be. At the point when all is good and well, realize when to use your cash to face a determined challenge to boost your future returns.

Conclusion:

Robert Kiyosaki completes the book by urging the peruser to consistently hope to improve their lives by intentionally recognizing and changing negative routines, and to consistently continue to learn. The book is a great method to begin on the excursion to make a more grounded, more joyful monetary life while staying moral and consistent with your own qualities.