5-1-16 Mey, Jordan & Jomel  at the Aston in Waikiki

The 7 Levels of Investors from The Cashflow Quadrant by Robert Kiyosaki

Did you know according to Robert Kiyosaki in his book The Cashflow Quadrant, 50% of the adult population is a Level 0 Investor?

Level 0 is the level where people say they have nothing to invest.

I was a Level 0 investor in my 20s.  Are you a level 0 investor?

If you aren’t a Level 0 investor, then maybe you are a Level 1 investor, which are investors who borrow for everything!  They borrow to spend, they borrow to invest, they borrow to pay their bills.

I was a Level 1 investor in my mid 30s.  Are you a level 1 investor?

I’ve actually moved past Level 2 (saver) and Level 3 (“smart investor”) up to Level 4 (Long-Term Investors) and entering Level 5 (Sophisticated Investors).

Want to find out more about your level and how you can go to higher and higher levels?

Watch this video blog and comment below on what investor level you are at and where you want to be!

Stealing, Giving and Your Financial Freedom Karma

…hi, this is Mey on a beautiful Tuesday morning, blogging to you today about Stealing, Giving and Your Financial Freedom Karma

…I was inspired by the book A Spiritual Renegade’s Guide to the Good Life by Lama Marut…

…he has a part in the book where he talks about the big 10 actions to avoid so that we can enjoy good karma…

…it’s like the 10 commandments…

…and one of them was about stealing…

…if you want to have people in your life who giving and honest, then you have to be that way too yes?

…well, if you steal, then people are going to enter into your life who will steal from you…

…read on to learn about how to change your karma to help you become financially free…

How To Improve Your Financial Karma

...first, you need to identify if you are stealing!

…it includes taking office supplies from your work for personal use…

…making personal calls during your working hours…

…if you don’t pay your debts…

…being the citizen of a government or a member of a group that steals…

…second, stop stealing and instead, start giving…

…the second step to improve your financial freedom karma is to give…

…you need to start giving your time, your money…

…you can give anonymously…

…you can do small kind acts for others on a daily basis…

Finally, Make Amends

…if you have stolen, then it’s time to make amends…

…only you know what you need to do the make up for what you have stolen…

…however, you need to do it…

…the interesting thing about karma, is that it is our conscious that keeps track of what we’ve done…

…so we need to clean our conscious of our bad financial karma…

Conclusion

…after reading this part of the book I realized that I have some financial karma that I need to work on…

…what about you?

…let us know about your thoughts on stealing, giving and financial freedom in the comments below!

…I want to share a little bit about myself…

…I love blogging about Financial Freedom…

…helping you become financially free is my joy and my mission…

…what about you?

…is there something that you are an expert in, that people can learn and benefit from?

…maybe you’re a chef?

…or a personal trainer?

…whatever your strengths or talents, there is an audience of people who want to learn from you!

CLICK HERE, Watch the Free Video, and get started!

Little Known Secrets that Will Change the Way You Think About Scheduling Your Day For Financial Freedom

…hi, it’s Mey here after a wonderful day of parasailing and great food with the family, settling down to write about Little Known Secrets that Will Change the Way You Think About Scheduling Your Day For Financial Freedom

Parasailing Today Near Ala Moana in Honolulu Hawaii
Parasailing Today Near Ala Moana in Honolulu Hawaii

…so, how do you schedule your day?

…if you’re like most people, you hear an alarm…

…then jump out of bed, get yourself ready for work, maybe get the kids ready for school, and the off you go, or you send off your spouse and kids…

…and you wonder when you are still living paycheck to paycheck…

…and you don’t do these  Little Known Secrets to Scheduling For Financial Freedom…

 

#1 Little Known Secret to Scheduling Your Day For Financial Freedom

…first, always take time out for yourself…

…just like paying yourself first with your money…

…you need to give your time to you first!

…some ways to do this are to meditate…

…go work out at the gym…

…take some time to journal or think about what you are grateful for…

…go for a jog or walk outside…

…set priorities for the day and think about what they will be accomplishing…

…do what you need to do to get centered and know your purpose and your intent for the day…

…whatever you do, take time for yourself when you wake up in the morning…

#2 Little Known Secret to Scheduling Your Day For Financial Freedom

…schedule time with your loved ones and doing tasks that make you happy…

…this might be a weekly date night with your spouse or loved one…

…beach time with the family…

…going parasailing like we did this morning…

…surfing everyday…

…just be sure to schedule it and to do it…

#3 Little Known Secret to Scheduling Your Day For Financial Freedom

…before you go to bed at night, take time out for you again…

…this time is for reflection on how the day went, and to acknowledge your sucesses…

…it’s also to reflect on what you are grateful for…

…you can meditate or do some other centering practice…

…some visualize the world be filled with love…

…some visualize their bodies being filled with healing energies…

…whatever you do, take time out for yourself before you go to bed at night…

…you can also task your subconscious to help you as well…

..to find a solution, or to heal you, or to heal someone else…

…when you do sleep, your subconsious takes control and it will follow your command if you give it one…

Conclusion

…hope you enjoyed these Little Known Secrets that Will Change the Way You Think About Scheduling Your Day For Financial Freedom

…let you know what you think and how you schedule your day most effectively for financial freedom below!

…I love reading about, learning about and sharing the latest breakthroughs in Financial Freedom…

…what are you passionate about?

…because whether it’s baking or babysitting, there is a market of people waiting to learn from you…

…if blogging about what you love and getting paid interests you then CLICK HERE, Watch the free video, and get started!

Are You Making These 9 Fatal Financial Freedom Mistakes?

…Mey here at 6am on a Tuesday morning, ready for a new and beautiful day, blogging about Are You Making These 7 Fatal Financial Freedom Mistakes?

…I wanted to make sure that I share the mistakes I made with you, and explain why it is that most people will never be financially free…

…these mistakes are so common that they keep most people dependent on a job or someone else for money their entire lives…

…so here are the 9 Fatal Financial Freedom Mistakes…

1) You Never Save Money For Yourself

…the first and most prominent mistake that people make is that they never save money for themselves…

…most people save money for maybe a house, or a vacation, or a car…

…however, most people never save money for themselves…

…which means a savings that you keep to fund your freedom…

…a savings that is always growing and that you never spend…

…a savings that you invest, and then live off of your earnings…

…without saving money, you will never have money…

…and you need to have money to start investing it…

2) You Spend More When You Make More Money

…most people will spend more money when they make more money…

…get a promotion or a better job, well, let’s get a better car, or finally buy our dream home…

…instead of saving more money…

3) You Spend More Money Than You Make

…a lot of people start out behind in their finances by spending more money than they make…

…if you have a job where you make money, and instead of saving, you spend more than you have with credit cards, a car loan, and a mortgage, and personal loans…

…and you’re constantly paying things off, which absorbs all of your money, and your energy, and your love for money, and instead of growing a Networth, it’s staying the same or becoming worse…

4) You Have No Idea What Passive Income Is

…most people have no idea what passive income is…

…they think they have to work for all of their money with time…

…they don’t know think that they can have their money work for them…

…and live off of dividends, interest, business income, royalties, rental income, etc…

5) You Don’t Appreciate What You Have

…no matter how much money you have, you will never be free if you don’t appreciate what you already have…

…if you don’t love and appreciate money, it will not appreciate (grow)…

…when you start spending the time everyday to actually think about how much money you have, and the good that it brings you, and feel the gratitude for it, then you will start thinking like a financially free person…

…there are plenty of poor, middle class and wealthy people who will never be free because they don’t appreciate what they have…

6) You Hang Out With The Same Friends Who Are Not Financially Free

…you act like your closest friends…

…if you really want to be financially free, you’re going to have to make friends with financially free people…

…and your first friends might be books written my financially free people…

…my kungfu teacher used to say his best friends were Laotzu, Buddha, and Confucius…

…so get serious and find the mentors you need and spend time and hang out with them…

7) You Don’t Educate Yourself on How To Become Financially Free

…there are steps that you need to take to become financially free…

…these are exercises in your mindset…

…actions you must take in savings…

…then you must pick an investment arena and master it…

…and then move on to the next investment arena…

…and the investment world is constantly in flux…

…so if you are not reading, and learning, and researching, you are not learning what you need to become financially free…

8) You Don’t Think You Deserve Financial Freedom

…you feel like you are not worthy…

…you don’t spend the time loving yourself…

…you don’t spend the time forgiving yourself for your mistakes that you inevitably make as a part of being a human being who is growing…

…you don’t believe that you deserve money…

…you mistakenly feel that people who are financially free are somehow better than you…

…you deny your intrinsic power, your intrinsic worth, your true financially free destiny…

…you spend time saying things to yourself that do not serve you and do not pick you up…

…you have not yet realized how truly worthy you really are…

9) You Never Decide To Be Financially Free

…you may think about being financially free…

…or even talk about it to your friends…

…however, you have never committed and decided that you are going to be financially free…

…you have never written it down on paper, the date that you will be free, and your plan for becoming free, and the obstacles that you face and what you will do to overcome them…

…you have never told your facebook friends your intentions…

…you have not told your spouse and your children…

…you have not stood on a cliff above an ocean and screamed your goal of financial freedom to the universe…

Are you making or have you ever made these fatal mistakes?

What are you going to do differently?

Let us know in the comments below…

How to Become Financially Free By Understanding Your Money Personality

…Mey here on a beautiful Monday afternoon masterminding in Coffee Bean and Tea Leaf with my good friend Candice blogging about How to Become Financially Free By Understanding Your Money Personality

…do you know what your money personality is?

…I learned these money personalities from the Peak Potentials Millionaire Mind Intensive seminar…

…now called the Millionaire Mind Experience seminar (as it is owned by a new owner)…

…learning more about how you handle money will help you become financially free faster!

…so, read through them below and find out which one you are…

Spender

…by far the most common personality is oftentimes to spender personality…

…maybe it is because our culture encourages us to spend, spend, spend…

…get a bigger house, or a nicer car, or go on a cooler vacation, or buy the latest fashions…

…we are constantly trained to spend, spend, spend…

…maybe you are spending to get status, to look good, to keep up with the Jones’s…

…maybe you are spending to be a celebrity, or hang out with celebrities and get praise and attention…

…another type of spender is someone who is always paying for their family…

…sending this child to college, and that cousin a birthday gift, and sending money to your brother to bail him out of jail and so on…

…or maybe your spending because you grew up with stingy or poor parents, and were denied nice things as a child, and are spending on yourself…

…if you have this money personality type then you probably buy things on credit a lot, maybe have a lot of debt, also you have  a lot of things that you’ve bought in your home that you never use or touch, or a bunch of family members who always ask you for money…

Spender’s tips to becoming financially free – you have to take care of yourself first, and that doesn’t mean spending all of your money away…

…say to yourself everyday “I deserve to have money”

…because for whatever reason, money leaves you as soon as you get it so you need to keep it For Yourself!

…next, ask yourself “How can I become financially free?  What steps do I need to take to control my spending and start saving?“…

…then you need to save at least 10% of what you make starting with your next paycheck, bonus or income

…doesn’t matter if you have a lot of debt now…

…with your personality if you never see success through savings then  you will always have debt so you need to start saving…

…when you start saving and lowering debt at the same time, then the money you save will eventually be greater than the money you owe…

…you have to save, and pay your debtors after you have saved…

…always pay yourself first in the form of savings…

…next, only spend money that you actually have, so cut up those credit cards and no more borrowing for you…

…it’s ok to spend, just not on anymore credit…

…seriously, open up your wallet and cut up the credit cards now…

…finally, find a friend who can support you

Saver

…the saver is a person who saves all of their money…

…they don’t want to spend it on this or that, and are happy to see the money in their savings grow, just for it’s own sake…

…savers are the second largest segment of the population…

…you know you are a saver if you have a savings account, 401K, or brokerage account that keeps growing in value…

…you get joy out of putting money into your savings and you dislike spending, and avoid it at all costs…

Saver’s tips to becoming financially free

…saving without spending is stifling your financial freedom in that you are not free…

…you may have the finances however you are a slave to your money…

…money is meant to circulate and flow, through wise investments and expenditures…

…to find happiness you need to have a balanced financial life…

…it’s great to save however to become free of your money and enjoy your life more you need to do the following steps:

1) Spend 10% of the money you make on having fun and feeling rich…

2) Give between 5%-10% to charity, preferable anonymously…

3) Spend more time helping others and less time checking your bank balances…

Avoider

…the avoider is someone who avoids anything to do with money…

…they feel that they don’t understand it and thus they don’t even think about it…

…you know that you are an avoider if you throw your bills away without even looking at them…

…or you let your bills pile up and don’t open them…

…you probably have a lot of late fees, and stress around thinking about money…

…perhaps you have designated a spouse or someone else to help handle your money for you…

Avoider’s tips to becoming financially free

…avoiders think that money is complicated when saving is one of the simplest things you could do with your money…

when you get a check have the automatically split it so that 10% gets deposited into a savings account

turn over the management of that savings account to a trusted financial planner

…saving is like exercising a muscle…

…the more you do it the easier it gets…

…and your financial advisor will figure out what to do with the money…

simplify and consolidate debt

reduce your expenses so that you can keep better track of where you are spending your money

be careful of spending money on get rich quick schemes, and MLMs that you aren’t really going to work

…your personality likes to opportunity hop, spending lots of money along the way, looking for the quick way to fix your money problems…

…if you just focus on saving and simplifying and the skills that actually make you money, it will get easier over time…

Money Monk

…if you are a money monk, that means that you think money is unimportant in comparison to your spiritual or idealistic pursuits…

…so you don’t work on earning it and you give it away when you get it quite easily…

…to you, being spiritual means not having money in your life to distract you or make you become sinful…

…you may even think being poor makes you more spiritual…

…or you may be interested in some cause, like world peace, and spend your time focusing on that and not on money…

…in any case, you have bigger goals and want to live a pure life…

…and don’t see how money can be any part of it…

…you know you are a money monk if you have very little money, feel like you are a spiritual person or an idealistic person who doesn’t need money…

…and if you tend to give all of your money away to causes and charities…

Money Monk’s tips to becoming financially free

…being poor is not a spiritual pursuit…

…Mother Therese gets tons of donations to do the good works that she does…

…go to any church and they need your money to function in the form of tithes…

…and if you have a great cause, you know that you need money to fund your projects and you’re probably always looking for or answering to investors and sponsors and donors…

…so being poor is not serving you…

…in fact, aside from the experience of being poor, you should be getting rich as soon as you can if you really want to make a meaningful impact on this planet…

…just understanding this will help you as you are a very smart and savvy type and once you understand this basic concept, you will put value on accumulating money and paying yourself first…

so set up a savings account and start paying yourself first, at least 10% of everything you make

…and let it grow…

…because you are going to get your goals faster and make a bigger difference in this world rich…

5-1-16 Mey, Jordan & Jomel  at the Aston in Waikiki

Four Websites From Real People Becoming Financially Free

Have you been wondering how long it will take to become financially free?

What if I told you that experts who are already financially free say that it only takes 1 year…or 5 years!

Read on to learn from 4 websites that teach you how…

  1. Alexis Assadi

    Alexis Assadi became financially free after 3 years of work at the ripe old age of 26…yes, 26!

    Here his post on how to become financially free in 5 years…

    Click Here to Learn More About Alexis Assadi

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  2. Rich Dad

    Who brought financial freedom out to the masses?

    One of them would be Robert Kiyosaki and his wife Kim, and their RichDad website is an excellent resource on financial freedom education…

    The also have the Cash Flow game available that really trains your brain and actions to think constantly about passive income…

    Click Here to Learn More About Rich Dad

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  3. Tal Gur

    How would you like to go from $34,000.00 AUD in debt to Financially Free in JUST ONE YEAR?

    …sound too good to be true, well, why don’t you read Tal Gur’s story for yourself…

    (he also did an Iron Man…so I respect him even more)

    Click Here to Learn More About Tal Gur

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  4. Daniel Ameduri – Free at 30

    Have you ever worked so hard that you didn’t have time for your family and health?

    …well Daniel Ameduri did this in his twenties and when he hit his goal of financial freedom at age 30, he realized all that really mattered is living everyday to the fullest…

    …so his site counts his life in days, and focuses on your days and your journey through life towards financial freedom…

    Click Here to Learn More About Daniel Ameduri – Free at 30

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