Rich vs. Poor


         T. Mary Eker gives us 17 ways the internal finance “blueprints” differ between poor folks and rich folks:

(From his book “Secrets of the Millionaire Mind“.)


  1. Rich people believe: “I create my life.” Poor people believe: “Life happens to me.”
  2. Rich people play the money game to win. Poor people play the money game to not lose.
  3. Rich people are committed to being rich. Poor people want to be rich.
  4. Rich people think big. Poor people think small.
  5. Rich people focus on opportunities. Poor people focus on obstacles.
  6. Rich people admire other rich and successful people. Poor people resent rich and successful people.
  7. Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people.
  8. Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion.
  9. Rich people are bigger than their problems. Poor people are smaller than their problems.
  10. Rich people are excellent receivers. Poor people are poor receivers.
  11. Rich people choose to get paid based on results. Poor people choose to get paid based on time.
  12. Rich people think “both”. Poor people think “either/or”.
  13. Rich people focus on their net worth. Poor people focus on their working income.
  14. Rich people manage their money well. Poor people mismanage their money well.
  15. Rich people have their money work hard for them. Poor people work hard for their money.
  16. Rich people act in spite of fear. Poor people let fear stop them.
  17. Rich people constantly learn and grow. Poor people think they already know.

Think Secure, Not Wealthy

Bookkeeping. Fun.


         In terms of money, everyone wants to be rich. We all watch countless tv shows idolizing wealthy people from all walks of life who immerse themselves in small fortunes. We marvel at the size of their super mansions and their cars that cost more than a whole neighborhood of suburban homes. We worship The Green, the gold of the land. However there’s something more important than acquiring wealth and being rich. No, I’m not talking about getting super powers, although that would be nice. I’m referring to financial security. What good is amassing a small fortune and then allowing it to dwindle down to pennies by wasting it on meaningless things? If the rug was pulled from beneath us, and the infrastructures collapsed, what good would your jet ski and mansion serve you? Does your mansion have a bomb shelter or a survival pantry with a year’s worth of food and water? Do you have the skills necessary to live off the land when you can’t use your American Express Gold Card to hit up McDonald’s?

         Money makes the world go round, and any one that might tell you differently is a fool. Nothing in life is free. Allow me to repeat myself, NOTHING IN LIFE IS FREE. Simple everyday items such as food and water cost money. The essentials of basic human survival –nutrients, shelter, H20, hygiene– all cost something. So never underestimate how valuable money is. What can this value appreciation do for you? Well, it can impact your knowledge by forcing you to put your money to good use. Investing in skills and knowledge, in tools and the confidence to use and maintain those tools. Appreciating money can teach you how to save frequently, shop frugally, and spend sparingly. This blog is all about saving money and surviving. No matter how rich or poor you are, the money you have should never be carelessly wasted. Invest your time and pocket book into meaningful activities. Yes, go a little crazy every once in a blue moon; get yourself something special. But never confuse money with security. All the money in the world won’t stop you from starving or keep rioters from killing you if an emergency arises and your money suddenly becomes useless.

         Being rich is probably a fantastic feeling. But richness isn’t all about money. Be rich in mind, be rich in body, be rich in spirit. Use your money wisely, whether you are a millionaire or a struggling Average Joe working paycheck to paycheck. The American Dream is to become rich and wealthy, but The Survivalist’s Dream is to become secure in every possible way. You can have a dollar to your name, or a million in the bank; either way it should be your goal to use that money responsibly. At the end of the day, nothing is quite as priceless as your life and the beating heart of the loved ones that surround you.