Anhmycenter

Read to learn (night 9th)

“Money multiplies when it works, not when it rests in your bank account”

“The work-harder-to-earn-more rule doesn't apply anymore. Search for additional financial sources, as your life can change and your salary may need to be revised to cover your needs. Thus, have a plan B, like a financial cushion.

The modern world offers many options: start a few businesses, participate in different projects, or combine a few jobs. Nonetheless, overburdening yourself with tasks will lead to burnout and exhaustion. Therefore, you must investigate the benefits of investment to change your perspective and life.

Centuries ago, people could buy food or clothes only by offering something in exchange. It was a give-and-take deal. Now, however, you can let your finances work for you. It means that at some point, money starts making money without your effort. For example, you could have made a significant profit if you had invested in Netflix, Apple, or Tesla

“On the contrary, you would have lost much of it if you put your savings in the bank. Inflation is an inevitable force lowering money's value. Therefore, you cannot buy as many products for a hundred dollars as you could have bought ten years ago.

Undoubtedly, investing takes time to master, but you can change your life’s quality with consistency and dedication. Research is the first substantial step toward your financial growth. Therefore, keep up your optimism and desire to succeed. You'll be grateful you persevered and trusted the process while drinking a cocktail on a beautiful sunny beach or buying a new house.

“Moreover, investing gives you time and the opportunity to appreciate more valuable things. That's why stocks and bonds are the best options for money growth, as they don’t require you to participate in anything.

You can gain profits from both in the following ways:

• Appreciation:

Your profits grow with your asset’s value.

• Interest payments:

You receive interest from a loan you give to a business, government, or an individual.

• Dividends:

The company gives you a part of its income because you own several stocks.Thus, investing in businesses, real estate, or any other asset can bring a considerable profit. Your money should work for you in all ways possible. And the more investment options you use, your income will increase.”

Read to learn (8th night)

“It is important to always divide your savings into four categories”

“As surprising as it may sound, you have two financial goals:

• Increasing your assets, or items that add to your net worth: cash, the value of your house, savings accounts, etc.

• Reducing your liabilities, or items that subtract from your net worth: loans, credit card debt, money that you owe, etc.

Here is a formula that defines net worth:

Assets – Liabilities = Net Worth

Track your net worth via a balance sheet each month. You can create your own template for convenience.

To increase your assets, put money in a savings vehicle that offers you continuously compounded interest. This is when the interest you earn is regularly added to the principal amount of a deposit so that you could earn interest on your interest.

Put your savings into four different buckets sorted by their liquidity (ease of accessing the money):

Bucket #1: emergency savings

Should hold at least $1,000 and be easily accessible (your checking account or in cash in your sock drawer will work fine). Interest rates are not important. Fill this bucket first!

Bucket #2: medium–term savings: one year or less

Start filling it up after Bucket #1 is filled and you have started filling up Bucket #4 regularly. It must contain enough money to hold you over for three to six months should you lose your job. It can also be used for whatever you are saving for within the next 12 months. You don’t need it for both reasons: only for whichever is greater.”

“Bucket #3: long–term savings: greater than one year but before retirement

Fill this bucket once Bucket #2 is full. Use it for weddings, honeymoons, or buying a house. Richards recommends investing Bucket #3 in the stock market, where it will likely grow a lot more than in a savings account.

Bucket #4: retirement savings

This is the second most important bucket because if you don’t start saving for retirement right now, you won’t be able to retire. The money should be kept in an IRA, 401(K), or another retirement account. Do not contribute to this bucket unless you know without a doubt that you will not need that money until you retire. This bucket will require a lot more cash than the other buckets, so you’ll be contributing to this regularly for the rest of your Life

Read to learn (night 7th)
The wise store up choice food and olive oil, but fools gulp theirs down (Proverbs 21:20). Saving up for a rainy day, putting your money to work and multiplying it is a wise thing to do. Femi Otedola said "We have lost millions....that's why we are Billionaires. Some have lost thousands that is why they are Millionaires.... Others are afraid to lose money, that's why they are broke".

Some business today have run out of business or don't seem to be doing well because they don't want to advertise or even to reinvest part of their profits to improve their businesses. All they think of eating their profits to show off. Most of them don't even care about the customers or improving their businesses to make a conducive environment for their customers. A business that considers itself immune to advertising will be out of business.

When you invest, you are buying a day that you don’t have to work (Aya Laraya).
Every time you invest, you are making sure that you would not have to work in your future, as your invested money would work for you. A good investment can not only help you to get through your retirement years but it can even allow you to retire much earlier from work, even in your 40s

Puma in 1970 paid Pele $120,000 which is equivalent to $735,000 in today's dollars to tie his puma shoe laces during one of the fifa world cup matches.

When you’re one of the greatest to have ever graced the field, people are bound to want a piece of you and that is
any piece they can get. That is the power of being valuable. Everyone wants to connect with you. That was exactly the logic behind Puma‘s approach with Pele during the 1970 FIFA World Cup in the midst of the Adidas “sneaker war”.

In the quarterfinal between Brazil and Peru, Pele was wearing Puma football boots. At the opening of the match, he intentionally requested that the referee stop so he could tie them up, knowing full well that all eyes were on him.As expected, the cameras pulled focus on Pele and his unlaced Puma boots, thereby creating what can arguably be deemed as the world’s first viral promotion.

While you are busy complaining about your business without taking action, others hungrier than you are going an extra mile. Today take a moment and reflect on your business. If you not willing to lose something to win Robert Kiyosaki said "Those are avoid failure also avoid success" The plans of the diligent lead to profit as surely as haste leads to poverty. (Proverbs 21:5).

Read to learn (6th night)

The TV star Edward Michael "Bear" Grylls was skydiving in Zambia in 1996 when his parachute failed to inflate, causing him to land on his back. He broke his back after falling 16,000 feet and Doctors said he wouldn't be able to walk again. Grylls was put through a year of rehabilitation after fracturing three vertebrae.

While in hospital Grylls had to cling to the simple stuff to make it through; family, friends. It was then that he began to dream about climbing Everest. So much of his identity in life grew around climbing the highest stuff. He wanted to find that identity again. Sometimes everything is going swimmingly and then you get knocked from the side. He said it takes that knock to realize what one values in life. To him the fact that he was still alive meant that life gave him a second chance and he was therefore going to do everything in his power to recover.

Two years after his accident, Gyylls recovered and became the youngest person to reach the tip of Mount Everest in 1998 at the age of 23. He made it into the Guinness book of records though his record has since been broken - four times.

Don't ever let any human define your future or your destiny. Not even the doctor can determine your fate. Remain positive and let God do the rest. Every situation in life comes to teach us lessons and sometimes comes to help us discover who we are meant to be but if we focus on the negative, we will surely miss the lessons and definitely won't grow. Many of us focus on complaining instead of focusing on solutions. Complaining is a zero return investment. It is simply a waste of time and energy. That energy can be used for better things. John D Rockefeller said " I have always tried to turn every disaster into an opportunity".

Instead of focusing on negativity, why not focus more on what the situation is trying to teach you? Find meaning in suffering. Viktor Frankl said "Suffering ceases to be suffering when it finds meaning". Don't allow your negative friends or relatives make you feel otherwise. As long as you are still breathing, you still have the opportunity to chase your dream. Albert Einstein said "Stay away from negative people, they have a problem for every solution". Remember if you remain positive in a negative situation, you win.

Read to learn (5th night)

A good man leaves an inheritance to his children's children. (Proverbs 13:22)

This verse keeps our life goals, our vision and our legacy front and center when we're choosing how to use our money today. However most people don't like this topic. I remember how I was once insulted by someone I talked about parents leaving an inheritance for their children instead of depending on their children but one thing I've come to appreciate in this life is the fact am not here to impress anyone. Like the saying goes " You will inspire some, you will annoy some but do it anyway". If there is anything you can do on earth better than others, it is being irresponsible if you are not doing it. You are not only falling short of yourself but the world at large.

It's interesting today how people rush to enjoying their lives in the name of you only live once. While there is nothing wrong with that, just make sure you also leave something for your children to enjoy even when you are gone. There is nothing wrong with taking care of parents, they shouldn't just feel entitled to it. You job as a parent is to build something that outlives you. It's not fair to bring children on earth and leave them with nothing. As you are enjoying remember that years from now, your children will either be eating or starving from the decisions you are making today. William James said "The great use of life is to spend it for something that outlives you".

All good men and women must take responsibility to create legacies that will take the next generation to a level to a level we could only imagine (Jim Rohn). Did you know that if Jeff Bezos CEO of Amazon and second richest man in the world stopped working today and spent $1m every day, it would take him 301 years to finish his money. That is trans generational wealth.

When you still have the energy build something that outlives you. Don't be selfish. Instead of you living inheritance for your generation, you are wasting your youth in the name of enjoying your youth and when you are old you will be the same one demanding money from the generation you brought. Take responsibility for the generation you bring. Elon Musk the richest man in the world today said " My children did not choose to be born, I chose to have them.They owe me nothing, I owe them everything"

I've observed with most parents that once salary is increased, their standards of living in order to match their increased income. It's a common habit which should be entertained if you are to attain financial freedom.

Forgo the desire to spend and instead stock it away in savings and investments that increase in value. You goal should be to create generational wealth for your generations and don't forget to also teach them about how to handle wealth. Most of the generational wealth is lost in the subsequent generations due to lack of financial knowledge. Teach your children early what you learnt late. Teach them about the rules so that when you finally pass down your wealth to them, they will be armed on how to protect and multiply it.

Kalu Ndukwe Kalu said "The things you do for yourself are gone when you are gone but the things you do for others remain as your legacy. Most people are starting from scratch because their parents did not leave anything and they focus on complaining. Be the one to break that generational curse. Poverty should end with you and wealth should start with you otherwise your children will also complain like you are complaining. Teach your children early what you learnt late.

Read to learn (4th night)

We don't save money, we already have something to take it before it comes (Robert Kiyosaki). Many ask "I have this amount of money, where can I invest it?" The question I usually ask them is "Why did you wait to have money for you to start asking where to invest?You don't need money to make a plan. You don't stop thinking because you don't have money. The fact that you don't have money should make you think even harder. You don't need money to conduct a market research. The worst thing you can do is to start planning when you have money. It is simply a waste of time. Normally when you start thinking of what to do when you have money, you are likely to end up wasting that money because you are in a desperate situation.

Many will plan to buy a TV or phone before they have money and they will even research in the prices so that once they have the money, they go straight to buy yet when it comes to business they do nothing and when they have money that's when they start asking what business you can do. That simply shows you lack direction and goals. Those who don't plan actually plan to fail.

Benjamin Franklin said " Take the money in your wallet and invest it in your head. Then in return, your mind will fill up your wallet" When you have little money, instead of wasting it , invest it in your mind. Many people are successful because of strategically positioning themselves . They acquire knowledge and everything else that doesn't require money and when money comes, they already know where to take it. As Robert Kiyosaki said "We don't save money, we already know where to take it before it comes".

Jim Rohn said "Life doesn't waste opportunities on the unprepared". It is true that opportunities are never lost . They go to the next prepared person. Don't just think of improving your houses or cars, take time to improve your mind as well.

Read to learn (3rd night)

Do you wish you had started a project 5 years ago? That's how you will still be wishing in 2026 if you don't start that project this year.
Albert Einstein said "Insanity is doing the same thing over and over and expecting different results.

You can get all the motivation, read all the books but if you don't act you won't progress. You are not here by chance. Not everyone has the privilege of reading these kind of messages. But you are here reading but not taking action. You letting Opportunities pass you by day after day and the first one to complain about not having Opportunities. That is why you miss your destiny helpers.

The more you complain, the more you will be blind to Opportunities in the area of your interest. Give a man fish and you will feed him for a night. Teach him how to fish and you will feed him for a life time. He who teaches you how to fish loves you more than he who gives you free fish. You have learnt how to fish yet you still want free fish . Time to take action. Action separates the best from the rest.

Read to learn (2nd night)

Change is painful but nothing is as painful as staying stuck somewhere you do don't belong (Mandy Hele).

I've heard of people saying let's wait and see what 2023 has for us. 2023 has nothing for you expect that which you prepare for it. If you didn't like how your 2022 was and yet you don't want to change something, your 2023 will be exactly as your 2023 if not worse. If you don't know where you will be in a months time, you are already there because it means you have no plans of moving from where you are right now.

In the end, we will only regret the chances we didn't take. During my process of self discovery, many laughed at me and criticised me for changing. It was a painful process which requires one to separate from certain things and certain people. To me it didn't matter what they said, I had to find myself even if it meant losing them because I was tired of pretending to be someone I was not. I was tired of doing things just to fit and seek outside validation. I have come to realise that the majority of people today don't actually know themselves and are total stranger to themselves. Many who laughed actually wish they had the courage to do what I did.

Australian nurse Bronnie Ware spent several years caring for patients who had less than 3 months to live. She recorded their stories and shares her thoughts about life in her book: The Top 5 Regrets of the Dying.The first and most regret that most the dying people had was that they wished they had the courage to live a life that was true to themselves and not what others expected of them. They wished they had followed their path and did what was right for them and everyone they loved.

When these patients realised their life was almost over, they had the ability to look back with clarity. Unfortunately most of these people saw a life with dreams left unfulfilled because they settled for a life others expected of them and not the life they truely wanted to live. Most people had not even honoured even half of their dreams and had to die knowing that it was their due to the choices they made or had not made.

Even though change is painful, one thing I've come to learn is that those who really want to change are willing to go through the pain. The reason many fail to start their journey is because what they hold on to is too heavy. Some people will hold on to friends and things which keep taking them back. If you want to change your 2023, let go of the things that make it impossible for you to move. I was really touched by the story of Aaron Ralston. Aron Lee Ralston is an American mountaineer, mechanical engineer, and motivational speaker, known for surviving a canyoneering accident by cutting off part of his right arm.

In 2003, he had gone hiking, alone, near Robbers Roost an old outlaw hideout used in the dying days of the wild west by Butch Cassidy. But while Ralston was climbing down a narrow slot in Bluejohn Canyon, a boulder became dislodged, crushing Ralston's right forearm and pinning it against the wall. By the morning of May 1st, after five days trapped beneath the massive boulder, Ralston resolved to set himself free by amputating his own right hand using his only resource a multitool. He broke his radius and ulna then cut through the remaining skin and tendons, freeing himself and saving his life.

Rescuers searching for Ralston, alerted by his family that he was missing, had narrowed the search down to Canyonlands and he was picked up by a helicopter in a wide area of the canyon. He was rescued approximately four hours after amputating his arm. Ralston knew if he held on to his arm, he wasn't going to go anywhere. No wonder Toni Morrison said "If you want to fly, you have to give up the things that are weighing you down".

Many people are failing to succeed because they are carrying with them a lot of baggage on the road to success. They are not willing to let go of the bad things weighing them down. What you are willing to walk away from determines want you are going to walk into.

What determines sucesss is what you are willing to let go. The more you let go of certain things in life, the successful you become. As long as your life is filled with grudges, your life will be filled with slug. Stop holding on to your past, grudges, bad habits, friends who only change their age etc. Delete the bitter memories to make room for better memories. Cutting someone completely off from your life is sometimes necessary for your peace. Don’t feel guilty about it. It's okay to love them from a distance.

Some people take your energy and put you in a negative place. Sometimes you just have to walk away if this is a regular occurrence. (Rachael Malloy). Close some doors. Not because of pride, incapacity or arrogance, but simply because they no longer lead somewhere. Joe Abercrombie said "It always amazes me, how swiftly problems can be solved, once you start cutting things off people.”

Stop wasting your time plotting revenge and start planning your future. Start Making decisions that are convenient for your future. Sacrifice the things that not good for you. One day your life will flash before your eyes. Make sure it will be worth watching.

Read to learn
I've heard so many people talk about how they would want to start a business but that their major challenge is capital. What I've come to realize however is that most people don't actually start not because they don't have capital but because they want to start with more than what they actually have. I believe everyone and I mean everyone has whatever they need to move to the next stage if their life but we focus more on what we don't have.

The major problem is not appreciating what they have because of the poor mentality. You can have all the resources in the world but with a wrong mindset you will not see themeben you some are given to you. To do something you have never done, you need to become someone you have never been .

Someone will have $10 yet they want to start a business of $1,000. How? Some will even go to an extend of borrowing when it's actually their fist time in business. To me that is actually an uncalculated risk unless of course it's a good debt. If you are going to use other people's money to make money, you might as well use other people's money to pay back.

The truth is businesses take long to gain ground and start making profits. That is why some people save up money even for a Year for their business rentals. Did you know that if you can't manage $10 , you can't manage $1000? Life is a process and stages are not to be skipped. If you fail to multiply that $10, how are you now going to multiply $1000?

In the parable of the talents, the servant who was given the least amount went to hide it while the others invested and when the master came back he ended up getting from the one who had hidden his money and gave it to the one who had more. He did so because the one who had hidden his money had proved that he couldn't multiply what ever he had. So life says start with whatever you have and prove that you can manage and only then will you be given more. But since you think you are more intelligent and you are always comparing yourself to someone who started way back, someone who is at point 50, you also want to start at 50 so that you can reach 100 early so you end up borrowing and then end up losing the money.

Listen you are in no competition with anyone. Don't give yourself unnecessary pressure. Believe and trust that God has given you is what ever you need to move from 0 to 1 and once you prove that you can do that he will give resources to move from 1 to 2 and so on. It's a process and once you start moving and enjoying the process you won't even realize how far you would have moved. As Jim Rohn said "It's not the money that you will make that matters the most, it's what you become in the process of getting the money. Indeed the process is more important than the goal. Start small but aim big. As Kelvin Johnson (Author of Entrepreneur Mind ) said " it must be born in mind that the tragedy in life doesn't lie in not reaching your goal. The tragedy lies in having no goal to reach. Not failure but low aim is sin.

Interestingly You don't need a degree to start a business but you may need a degree to work for a business owner. In this era where we have businesses which require very little capital, whats stopping you from starting your own business? John D Rockefeller said "There is no mystery in business success. If you do each days task successfully and stay faithful within the natural operations of commercial laws and keep your hand clear, you will come out alright"

Life owes no man a living but it owes every man an opportunity to make a living. How long will you keep that idea in head as you wait for more capital. You are wasting time. Someone more hungry will get that opportunity or do you think opportunities will always be waiting for you? Everything great started small. Look at how apple, google, Amazon etc started and look at where they are today. If you accept and multiple what ever little you have then many other opportunities will open up. As Napoleon Hill said "The world has the habit of making room for the man whose actions show that he knows where he is going"

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