MK English Academy

The Miracle Morning (Updated and Expanded Edition): The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM) by Hal Elrod isn’t just about waking up early—it’s about waking up to your life. What makes this book powerful is how simple yet transformative its message is: your mornings set the tone for your days, and your days shape the course of your life. When I first listened to it, I was in a season where my mornings felt rushed, reactive, and scattered. I’d wake up already behind. But as Elrod spoke about intentional mornings—about creating time to grow before the world demanded anything of you—it struck something deep in me. It felt less like productivity advice and more like a quiet invitation to live with purpose again. These are the 7 lessons that reshaped how I begin my days.

1. You can rewrite your mornings, and your life will follow. Hal Elrod made me realize that how I start my day is a reflection of how I live my life. Mornings used to feel like survival, but through the Miracle Morning framework, they became sacred. The idea that one hour could transform everything sounded unrealistic—until I experienced it. It’s not about waking up early; it’s about waking up intentionally.

2. The first decision of your day defines the rest. When I began choosing discipline over delay—getting out of bed when my alarm rang—it created a ripple effect. That single act of self-respect carried into everything I did afterward. Elrod calls it the first victory of the day, and I’ve learned it’s less about the clock and more about self-trust. How you begin is often how you continue.

3. The SAVERS routine builds mental, emotional, and spiritual strength. Silence, affirmations, visualization, exercise, reading, and scribing—it sounded overwhelming at first, but practicing them became grounding. Each part met a different part of me that needed attention. It wasn’t about perfection; it was about presence. Over time, I found myself calmer, more focused, and surprisingly more hopeful.

4. Your mornings are proof of what you value. Elrod challenged me to look at my mornings as evidence of my priorities. I used to say growth mattered, yet I started my days scrolling through my phone. Now, when I read, pray, or write before sunrise, it’s like I’m aligning with who I want to be. The quiet hours tell the truth about what you really care about.

5. Consistency creates miracles, not motivation. There were mornings I didn’t feel like getting up, but I did it anyway. And somewhere along the way, it stopped being a struggle—it became a rhythm. This book reminded me that transformation doesn’t come from occasional effort; it’s built in the ordinary consistency of showing up for yourself every single day.

6. The person you become matters more than the goal you reach. One of my favorite lessons from Elrod is that the real purpose of goals is to grow into someone capable of achieving them. That truth hit me hard. The morning routine wasn’t just helping me get things done—it was shaping my mindset, building discipline, and teaching me self-leadership. The miracle wasn’t the morning—it was the person I was becoming in it.

7. Every morning is a new chance to begin again. This final lesson felt deeply personal. There’s something healing about waking up and realizing yesterday’s mistakes don’t define you. Every sunrise brings another opportunity to live intentionally, to reset, to start over. No matter what happened the day before, the morning always whispers, “You can try again.”

Listening to The Miracle Morning reminded me that transformation doesn’t always begin with grand change—it often starts in silence, before the world wakes up. There’s something sacred about greeting the day before it demands anything from you. And now, those first quiet hours have become where I remember who I am, and who I’m still becoming.

There was a time in my life when I dreamed quietly—afraid that wanting “too much” made me unrealistic. I told myself to be content, to play it safe, to stay within what seemed possible. But then I came across The Magic of Thinking Big, and something shifted inside me.

David J. Schwartz didn’t just write a book about success; he wrote a reminder that our lives expand in proportion to the size of our thoughts. He made me realize that every small belief I carried about myself was shaping the boundaries of my world.

Reading this book felt like waking up from a long sleep. It reminded me—and maybe it will remind you too—that the biggest limits are the ones we quietly accept. And once you begin to think bigger, life has a way of rising to meet you.

1. Believe You Can Succeed and You Will

Schwartz begins with a truth that feels both simple and revolutionary: belief comes before success. I used to wait until I felt ready or confident enough before chasing something meaningful. But the moment I started believing—really believing—that I could, everything shifted.

When you believe in yourself, you act differently. You speak with more conviction. You persist longer. Life begins to respond to the energy you send out.
So here’s the reminder for both of us: you don’t need to see the whole path—just start walking with belief.

2. Cure Yourself of Excusitis

Excuses are comforting, but they’re also cages. I’ve told myself, “It’s not the right time,” or “I’m not talented enough.” Maybe you’ve said the same.
Schwartz calls this excusitis—a mental habit that blocks growth.

The truth is, no one ever feels completely ready. The difference between those who move forward and those who don’t is simple: action. The moment I stopped explaining my limitations and started focusing on small steps forward, momentum found me.
So, what excuse do you need to release today?

3. Think Big About Yourself

One of the most powerful lessons in the book is about self-image. The way you see yourself sets the boundaries of what you can achieve.
For a long time, I thought “confidence” was something people were born with. But Schwartz helped me see that it’s built—by the thoughts we allow ourselves to believe.

When you start affirming your worth, everything around you begins to align. Opportunities appear, relationships change, and life feels bigger.
If you’ve been thinking small about yourself, maybe it’s time to raise the standard of how you see you.

4. Turn Defeat into Victory

Every failure I’ve faced—every door that didn’t open—taught me something valuable. Schwartz’s wisdom made me realize that defeat is never the end; it’s a detour.
The people who win are simply those who keep moving, learning, and adapting.

If something hasn’t worked out for you recently, try this: don’t see it as rejection—see it as redirection. The path might be winding, but it’s still leading you somewhere worth going.

5. Think and Dream Creatively

Thinking big isn’t just about ambition; it’s about imagination. I’ve found that the moment I let myself dream freely—without worrying about how—it reawakens my creativity. Schwartz encourages us to ask new questions, break routines, and look at problems differently.
You don’t need to know the “how” yet. Just allow yourself to dream again. The “how” always reveals itself to the ones who dare to imagine.

6. Surround Yourself with Positivity

Our environment shapes our energy more than we realize. When I started choosing people who inspired, challenged, and encouraged me, my mindset grew stronger.
Negative voices—whether from others or from within—shrink our vision. But when you surround yourself with those who think big, you start to think bigger too.

Ask yourself: who makes you feel capable, alive, and expansive? Spend more time with them.

7. Take Action Now

This might be the hardest but most crucial lesson. Thinking big means nothing without doing. I’ve had so many ideas I never acted on because I was waiting for the perfect moment. But there’s no such thing.

Schwartz says it best: “Action cures fear.”
Every small step builds confidence. Every move forward invites clarity. If you’ve been waiting for a sign—this is it. Start now.

8. Think Big About Others

Finally, Schwartz reminds us that success isn’t about outshining others—it’s about uplifting them. When you choose kindness, encouragement, and generosity, your world expands.
I’ve learned that when we think big about others—believing in their potential as much as our own—we create a ripple effect that inspires everyone around us.

Final Reflection

Reading The Magic of Thinking Big taught me that the mind is a powerful architect. It builds the life we live—brick by brick, thought by thought.

If there’s one thing I hope you take away, it’s this: you are capable of more than you think. Don’t shrink your dreams to match your current reality—expand your reality to meet your dreams.

Thinking big isn’t just a mindset. It’s an act of courage, of faith, and of self-respect. It’s choosing to believe that there is more waiting for you—and that you are worthy of it.

1. The Rich Don’t Work for Money

Poor and middle-class people work for money, while the rich make money work for them. Instead of chasing a salary, the rich focus on building assets that generate passive income.

---

2. Financial Education is Key

Schools don’t teach how to manage money. Rich Dad teaches that understanding money, investments, and financial terms is essential to becoming wealthy.

---

3. Buy Assets, Not Liabilities

Assets put money in your pocket (like real estate or stocks).

Liabilities take money out (like cars or credit card debt).
The rich accumulate assets, while the poor often accumulate liabilities, thinking they’re assets.

---

4. Mind Your Own Business

Don't just work for someone else. Start building your own financial base—whether it’s a side hustle, investments, or a business.

---

5. The Power of Entrepreneurship

Rich Dad encourages owning businesses or investments, not just having a job. Being an entrepreneur gives you control over your income and freedom.

---

6. Work to Learn, Not to Earn

Take jobs or opportunities that help you build skills, such as sales, marketing, or investing. These skills are more valuable long-term than just a paycheck.

---

7. Overcome Fear and Take Risks

Fear keeps many people poor. Rich Dad teaches that taking calculated risks, learning from failure, and having confidence are necessary to achieve financial freedom.

I stumbled upon The Power of Positive Thinking by Norman Vincent Peale while looking for something to help me stay motivated. I wasn’t in a bad place, but I felt like I needed a mental reset—something to shift my mindset toward growth and optimism. I didn’t expect much at first, but this book completely changed how I see the connection between my thoughts and my results.

Peale breaks down how having a strong, positive mindset isn’t just about feeling good—it directly affects success, relationships, and even health. He shares practical ways to develop faith in yourself, overcome fear, and stay confident even when life gets tough.

Here are the biggest lessons I took from it:

1. Your Mindset Shapes Your Reality. I used to underestimate just how much my thoughts influenced my actions. Peale makes it clear: if I expect failure, I’ll unconsciously act in ways that lead to failure. But if I fill my mind with confidence and possibility, I’ll find ways to make things happen. I’ve started being more intentional about replacing self-doubt with belief in what I can achieve.

2. Faith and Confidence Go Hand in Hand. Peale talks a lot about faith—not just in a religious sense, but faith in oneself and in life’s possibilities. When I doubt myself, I hold back. But when I truly believe in my ability to succeed, I take bolder steps. This book reminded me that confidence isn’t something we’re born with—it’s something we build through practice.

3. Worrying is a Waste of Energy. This one hit hard. I’ve spent so much time overthinking and worrying about things that never even happened. Peale explains that worrying doesn’t solve problems—it just drains energy. Since reading this, I’ve been working on redirecting that energy toward problem-solving instead.

4. Visualizing Success Helps Create It. I used to think visualization was just a motivational gimmick, but Peale explains how imagining positive outcomes helps the brain work toward making them real. I’ve started picturing my goals as already accomplished, and I’ve noticed it makes me take action with more confidence.

5. Surround Yourself with Positive Influences. Negative environments can drain motivation fast. Peale emphasizes how important it is to be around people who uplift, encourage, and push you forward. Since reading this, I’ve been more mindful about who I spend time with and what kind of content I consume.

6. Turn Setbacks Into Comebacks. Life isn’t always smooth, but this book reminded me that setbacks don’t mean failure—unless I let them. Peale shares stories of people who turned their struggles into success simply by refusing to give up. That inspired me to see challenges as opportunities rather than roadblocks.

7. Gratitude Strengthens a Positive Mindset. Peale stresses that being grateful isn’t just about appreciating what I have—it’s about shifting my focus away from what’s missing. Since applying this, I’ve noticed how much easier it is to stay motivated when I focus on what’s going right instead of what’s going wrong.

I’ve always been fascinated by how successful people think. What makes them different? How do they control their minds to achieve greatness? When I discovered How to Own Your Own Mind, I felt like I had found a guide to unlocking my mental potential. This book showed me that success isn’t just about skills or luck—it starts with mastering my own thoughts and using them to shape my future.

7 Powerful Lessons I Learned from How to Own Your Own Mind

1. My mind is my most powerful asset. Everything I achieve—or fail to achieve—starts in my mind. If I can control my thoughts, I can control my actions, and if I control my actions, I can control my results. Success begins with mastering my own thinking.

2. Definiteness of purpose gives my life direction. Without a clear goal, I’ll drift through life without making real progress. This book helped me realize that when I define exactly what I want and stay focused on it, I naturally start making decisions that bring me closer to success.

3. Creative vision turns ideas into reality. Every great achievement started as an idea in someone’s mind. I’ve learned that if I nurture my imagination, visualize success, and take action, I can turn my dreams into something real.

4. Persistence is what separates winners from quitters. Talent and intelligence mean nothing without persistence. This book showed me that setbacks and failures are just part of the journey. The people who succeed are the ones who keep going, even when things get tough.

5. My thoughts shape my relationships and influence others. The way I think affects how I interact with people. If I approach others with confidence, respect, and a positive mindset, I naturally build stronger, more meaningful connections that open doors to new opportunities.

6. Fear is an illusion that limits potential. I’ve realized that most of my fears exist only in my mind. The more I let fear control me, the more I hold myself back. But when I challenge my fears and act despite them, I expand my possibilities.

7. Success starts with self-discipline. Owning my mind means training it. I’ve learned that if I can discipline my thoughts—eliminating negativity, staying focused on my goals, and refusing to give up—I can achieve anything I set my mind to.

The Miracle Morning by Hal Elrod is a self-improvement book that emphasizes the power of a morning routine to transform your life. Here are ten key lessons from the book:

1. Start Your Day with Purpose – How you begin your morning sets the tone for the rest of your day. A structured morning routine can boost productivity and well-being.

2. The SAVERS Method – Elrod outlines six key practices:

Silence (meditation or prayer)

Affirmations (positive self-talk)

Visualization (mentally rehearsing success)

Exercise (boosts energy and focus)

Reading (continuous learning)

Scribing (journaling for self-reflection)

3. You Don’t Need to Be a Morning Person – Anyone can develop the habit of waking up early and following a morning routine with discipline and practice.

4. Personal Growth is Key to Success – Investing in self-improvement first thing in the morning leads to long-term success in all areas of life.

5. Discipline Leads to Freedom – Creating a morning routine requires discipline, but it ultimately gives you more control over your time and life.

6. Small Changes Lead to Big Results – Even minor adjustments to your morning can compound over time and create major positive life changes.

7. Overcoming the Snooze Button – Waking up immediately when your alarm goes off helps build mental toughness and discipline.

8. Morning Exercise Boosts Productivity – Moving your body first thing in the morning increases energy levels, improves focus, and enhances overall health.

9. Positive Mindset is Essential – Affirmations and visualization help shape a success-oriented mindset, reducing self-doubt and fear.

10. You Have the Power to Change Your Life – The way you start your day is in your control, and by mastering your mornings, you can transform your entire life.

This book emphasizes that a strong morning routine can create a ripple effect, leading to personal and professional growth.

Reviewed by
Md Khalilur Rahman (Rukon)
Motivational Speaker and
Working for Personal Finance ,personal development and life skills.

10 lessons from the book "The Richest Man in Babylon" by George S. Clason is a classic personal finance book that imparts timeless financial wisdom through a series of parables set in ancient Babylon. The book's insights focus on wealth-building principles and the importance of financial literacy.

1. Pay Yourself First: One of the most significant lessons is the principle of “paying yourself first.” Clason emphasizes that individuals should set aside at least 10% of their earnings before paying any other expenses. This practice lays the foundation for saving and investing, allowing wealth to grow over time.

2. Live Below Your Means: Clason advocates for living within one’s means and avoiding unnecessary expenses. By distinguishing between wants and needs, individuals can allocate their resources more effectively, ensuring that they save and invest for the future without falling into debt.

3. Make Your Money Work for You: The book underscores the importance of investing wisely. Clason encourages readers to seek opportunities that will allow their money to generate additional income, whether through investments in real estate, businesses, or other ventures. This principle promotes the idea of passive income.

4. Seek Knowledge and Financial Education: Clason emphasizes the necessity of obtaining financial knowledge and understanding how money works. He advises readers to learn from those who have successfully managed their finances and to continually educate themselves about investment opportunities and financial strategies.

5. Control Your Expenditures: The author highlights the importance of budgeting and controlling spending habits. Clason suggests creating a budget to track income and expenses, allowing individuals to identify areas where they can cut back and save more effectively.

6. Avoid Get-Rich-Quick Schemes: Clason warns against the allure of quick wealth and dubious investment opportunities. He encourages readers to be cautious and to conduct thorough research before investing, as true wealth is built over time through disciplined saving and investing.

7. Surround Yourself with Wise Advisors: The book stresses the value of consulting with knowledgeable and trustworthy advisors. Clason advises individuals to seek guidance from those experienced in financial matters, as this can help avoid costly mistakes and lead to better financial decisions.

8. Invest in Yourself: Clason underscores the importance of personal development and self-improvement. By investing in one’s skills, education, and professional growth, individuals can increase their earning potential and create greater opportunities for wealth accumulation.

9. Have a Clear Financial Goal: The book emphasizes the necessity of setting specific financial goals. Clason encourages readers to define their objectives, whether it’s saving for retirement, buying a home, or funding a child’s education. Clear goals provide motivation and direction for financial planning.

10. Perseverance and Patience: Lastly, Clason highlights that building wealth takes time and requires perseverance. The journey to financial success is often filled with challenges and setbacks, but maintaining a long-term perspective and staying committed to financial principles can lead to eventual success.

"The Richest Man in Babylon" by George S. Clason offers timeless financial wisdom through engaging parables. The lessons of paying yourself first, living below your means, investing wisely, and seeking knowledge are fundamental principles that can guide individuals on their path to financial success. By following these insights, readers can cultivate a mindset that promotes financial responsibility, growth, and

Reviewed by
Md Khalilur Rahman (Rukon)
Motivational Speaker and
Working for Personal Finance ,personal development and life skills.

14 Time Management Lessons from "Eat That Frog!" by Brian Tracy ⏳

1. Tackle the Most Important Task First: Start your day by focusing on your biggest, most challenging task (your "frog"). This ensures you make progress on what matters most.

2. Set Clear Priorities: Identify your most important tasks by prioritizing them based on their long-term impact on your goals.

3. The 80/20 Rule (Pareto Principle): Focus on the 20% of activities that yield
80% of your results. Cut out or delegate low-priority tasks that don't add value.

4. Plan Your Day in Advance: Every evening, create a to-do list for the next day.
This prepares you to hit the ground running in the morning.

5. Break Tasks Into Smaller Steps: Large, overwhelming tasks can be broken down into smaller, more manageable steps, making them easier to start and complete.

6. Use the ABCDE Method: Assign priorities to your tasks: A for must-do tasks, B for important tasks, C for nice-to-do tasks, D for tasks to delegate, and E for tasks to eliminate.

7. Focus on Single-Tasking: Multitasking reduces productivity and increases errors. Focus on completing one task at a time for better results.

8. Practice the Law of Forced Efficiency: Work with the time you have, not the time you wish you had. Setting time limits forces you to be efficient and avoid procrastination.

9. Create a Sense of Urgency: Approach your tasks with a sense of urgency and importance. This helps you stay focused and productive.

10. Develop a Routine: Establish regular habits and routines to streamline your day and reduce decision fatigue. Consistency is key to effective time management.

11. Avoid Procrastination: The longer you delay, the harder tasks become. Take action immediately, even if it's a small step, to build momentum.

12. Use the "Salami Slice" Technique: Tackle large projects by completing one slice (or step) at a time, instead of trying to do everything at once.

13. Delegate Whenever Possible: Focus on the tasks only you can do, and delegate less critical tasks to free up time for more important activities.

14. Keep Learning and Improving: Time management is a skill that improves with practice. Continually refine your approach and look for ways to enhance your

Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear explores the power of small habits and how they can compound over time to produce remarkable results. The book focuses on how to make lasting changes in your behavior by focusing on tiny improvements that can lead to big transformations. Here are key lessons from the book:

1. Small Habits Lead to Big Changes:

Clear emphasizes that small, incremental habits are the building blocks of lasting change. These tiny improvements may seem insignificant at first, but over time, they compound into massive results. He compares this to the concept of getting 1% better every day, which leads to profound progress over the long term.

2. The Power of the Habit Loop:

Habits work in a loop consisting of a cue (trigger), a craving (desire), a response (action), and a reward (satisfaction). Clear explains that by understanding and manipulating this loop, you can make good habits easier to form and bad habits easier to break. The key is to focus on the cue and reward to reinforce positive behavior.

3. Make Good Habits Obvious:
One of the core ideas is that you can make good habits more likely by making them obvious and visible in your environment. For instance, if you want to eat healthier, keep nutritious food within easy reach and make unhealthy foods less accessible. By redesigning your environment, you make good habits easier to start and harder to forget.

4. Make Good Habits Attractive:
Clear explains that habits become more appealing when they are tied to a reward or positive emotion. You can make good habits attractive by associating them with something enjoyable or pairing them with something you already enjoy. For example, listen to your favorite podcast while exercising to make the activity more appealing.

5. Make Good Habits Easy:
The simpler and more effortless a habit is, the more likely you are to stick with it. Clear emphasizes the importance of reducing friction in the process of adopting good habits. This could mean preparing your workout clothes the night before or setting up a habit tracker to make the process automatic.

6. Make Bad Habits Invisible:
To break bad habits, Clear recommends making them less visible and removing cues from your environment. If you’re trying to quit smoking, for example, removing ci******es from your home or car can help reduce temptation. By eliminating the triggers that lead to bad habits, you make it harder for them to occur.

7. Make Bad Habits Unattractive:
Just as you can make good habits attractive, you can make bad habits unattractive by associating them with negative feelings or consequences. For example, focus on the negative impact a bad habit has on your life (like the health consequences of overeating) to create a sense of aversion to the habit.

8. Habit Stacking: Build New Habits onto Existing Ones:
Habit stacking is a technique where you link a new habit to an already established one. For example, if you already brush your teeth every morning, you can stack a new habit like doing five minutes of stretching right afterward. This makes the new habit easier to remember and perform.

9. The Two-Minute Rule:
The idea behind the Two-Minute Rule is that any habit can be started by reducing it to a two-minute version. For example, instead of setting a goal to "write a book," start by writing for just two minutes. This makes starting less intimidating and helps overcome the initial resistance that often prevents people from starting new habits.

10. Focus on Identity, Not Just Goals
Clear argues that the key to lasting habit change is focusing on the type of person you want to become, not just the goals you want to achieve. Rather than saying “I want to run a marathon,” reframe it to “I am a runner.” When your habits align with your identity, they become more sustainable and meaningful.

Atomic Habits teaches that the key to creating lasting change is not in making dramatic, sweeping changes, but in focusing on small habits that compound over time. By understanding the science of habit formation and using Clear’s practical strategies, you can build good habits, break bad ones, and ultimately transform your life.

Reviewed by
Md Khalilur Rahman (Rukon)
Motivational Speaker and
Working for Personal Finance ,personal development and personal skills.

“Rich Dad Poor Dad” by Robert Kiyosaki is a classic in the world of personal finance. The book shares the financial wisdom that Kiyosaki learned from his two “dads”: his biological father (the “Poor Dad”) and the father of his best friend (the “Rich Dad”). While both were successful in their own ways, their attitudes towards money were very different. Here are eight important money lessons from the book in Kiyosaki’s words:

1. The Rich Don’t Work for Money:

“The poor and the middle-class work for money. The rich have money work for them.”

Kiyosaki’s “Rich Dad” taught him early on that most people spend their lives working for money, whether it’s through a job, a business, or even a side hustle. However, the truly wealthy understand that money should be working for them. Instead of just relying on a pay-check, they invest in assets that generate income, such as stocks, bonds, real estate, or businesses.

Reflect: Are you working for money, or is your money working for you?

2. It’s Not How Much Money You Make, But How Much Money You Keep:

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.”

Many people believe that earning a high income is the key to becoming wealthy. However, Kiyosaki points out that it’s not about how much you make, but how much you keep. High-income earners can still be financially struggling if they don’t manage their money well. The key to building wealth is saving and investing wisely.

Tip: Track your expenses and find areas where you can save more.

3. The Importance of Financial Education:

“A person can be highly educated, professionally successful, and financially illiterate.”

Kiyosaki emphasizes a critical gap in education, where many students graduate without essential financial skills. As a result, educated individuals often struggle financially despite professional success. This lack of financial aptitude—knowing how to manage, retain, and make money work for them—leads to misunderstandings about cash flow. They have learned how to work hard for money but not how to make their money work hard for them.

Reflect: Are there any financial concepts that you feel uncertain about and want to learn more?

4. The Difference Between Assets and Liabilities:

“An asset puts money in my pocket. A liability takes money out of my pocket.”

Understanding the difference between assets and liabilities is fundamental to financial success. Kiyosaki explains that assets, like investments, generate income, while liabilities, like debt, take money away. The goal is to acquire more assets and reduce liabilities.

Tip: Make a list of your current assets and liabilities.

5. Mind Your Own Business:

“The rich focus on their asset columns while everyone else focuses on their income statements.”

In Chapter three, Kiyosaki says: to become financially secure, a person needs to mind their own business. Your business revolves around your asset column, not your income column. ……. We hear so often: “I need a raise.” “If only I had a promotion.” “I am going back to school to get more training so I can get a better job.” “I am going to work overtime.” “Maybe I can get a second job.” In some circles, these are sensible ideas. But you are still not minding your own business. These ideas all still focus on the income column and will only help a person become more financially secure if the additional money is used to purchase income-generating assets.

Kiyosaki argues that focusing solely on the income column limits your financial potential. Instead, he encourages readers to “mind your own business” by focusing on the asset column—developing and acquiring assets that generate income.

Tip: Start building your asset column today.

6. Work to Learn, Not to Earn:

“Job security meant everything to my educated dad. Learning meant everything to my rich dad.”

Kiyosaki advises people to choose jobs and careers that offer learning opportunities rather than just focusing on the pay-check. By gaining skills and knowledge, you can increase your earning potential and open up new opportunities for financial growth.

Reflect: Evaluate your current job. Are you learning new skills that can enhance your future earning potential?

7. Pay yourself first:

One of the key principles Kiyosaki teaches is the importance of paying yourself first. This means prioritizing saving before spending on bills & discretionary items. By consistently setting aside a portion of your income for investments, you ensure that you are steadily building wealth.

Kiyosaki says:

“If you cannot get control of yourself, do not try to get rich. It makes no sense to invest, make money, and blow it. It is the lack of self-discipline that causes most lottery winners to go broke soon after winning millions. It is the lack of self-discipline that causes people who get a raise to immediately go out and buy a new car or take a cruise.”

Tip: Set up an automatic transfer to your savings each time you receive your pay-check.

8. Overcome the Fear of Losing Money:

“Winners are not afraid of losing. But losers are. Failure is part of the process of success.”

Fear of losing money can hold you back from taking risks that might lead to financial success. Kiyosaki encourages readers to take calculated risks, learn from their mistakes, and not let the fear of failure prevent them from pursuing wealth-building opportunities.

Reflect: What financial risks have you avoided due to fear? Start small.

9. Investing is not Gambling:

“It is not gambling if you know what you’re doing. It is gambling if you’re just throwing money into a deal and praying.”

Kiyosaki makes an important distinction between informed investing and gambling. He highlights that successful investing requires knowledge, research, and strategy, rather than mere luck. When you understand the market, analyse potential risks and rewards, and make informed decisions, you are engaging in a calculated investment rather than gambling.

Tip: Before making any investment, do your research.

Reviewed by
Md Khalilur Rahman (Rukon)
Motivational Speaker and
Working for Personal Finance ,personal development and personal skills.