The Entrepreneurial Mindset refers to a specific way of thinking that is innovative, creative, opportunistic and looks at problems with these views to create a solution to make people’s lives easier, efficient and effective through automation for passive income. It is a mindset that keeps failing forward to remove every obstacle that would not work until there are no obstacles only the way through to the solution. The entrepreneur mentality is a spirit of tenacity, persistence and is unwavering in their beliefs that anything is possible which fuels actionable behavior that will not cease until there is success.

How To Get Entrepreneurial Mindset

How to think like the entrepreneur: WHAT IS THE PROCESS OF GETTING THE MINDSET? The person must educate his/herself about financial education. Financial education is not taught in schools. People must develop a hunger to grow in their financial intelligence.

There is one major component that must change in order to become wealthy, but it is difficult to catch. What is the component? A person can be taught the component, but they still miss it. This is why I say, ‘the component must be caught not just taught’.

The component involves all of these elements. It is a compilation of your knowledge, thoughts, vocabulary and actions that reflect the new information obtained from your financial education. Here are the elements involved with catching the component:

  • Learn & know the information
  • Root out the misinformed, previous way of thinking
  • Replace the rooted out misinformed information with the correct information
  • Root out the old financial terminology and replace the old terminology with the correct terminology
  • Replace your previous actions that keeps the person lacking financially with right actions that increase income

This is the process of changing the way that you think. There are people that come across the right financial knowledge, but they only let the knowledge pass through their minds. These people do not do anything with the financial knowledge. The person that wants riches must apply the above bullet points to renew their mindset as they learn the right knowledge. The financial intelligence must be applied in business and investing to produce riches.

What separates the Entrepreneurial mindset from an employees mindset?

The Mindset of an Entrepreneur when contrasted with an Employee Mindset differs in money, time and work.

When an employee thinks about money, he/she is limited. They are limited because the employee says I need to get an extra job or work more hours to acquire more money. The problem with this mindset is that it is limited. It only involves the employee’s 24 hour period that he/she is allowed to work and only allows a certain wage maximum. The employee is limited on 3 grounds: (1) at the most he/she will be able to work up to 16 hours (if 2 full time positions) (2) wage will max out (3) time and effort will max. They will need to sleep also!

The Entrepreneur on the other hand, can say I need more money, I need to hire someone to increase my productivity….then I can sell more… and I can make twice the profit, because I have now added another human resource or an asset that can make me money. Secondly, the Entrepreneur is thinking, “what amount of money can I invest to make money on interest or a return?” Third, I can create a new product and put it on a system of automation from purchase to delivery. This process does not need the Entrepreneur’s involvement once it is on a system of automation.

The Employee is limited on all 3 levels. They are limited because only they are putting out productivity, only 24 hours in a day is available to them and they are maxed out at a certain wage. Employee mindsets usually invest in 401Ks, where long term growth of compound interest. The will not be able to increase like an entrepreneur because of the difference in this mindset.

So the Entrepreneur can increase on 3 levels. The Entrepreneur can multiply his/her staff, which will multiply productivity. He/She can create a product that can be placed on an automated system. He/She can also use money to increase for them.

What a person believes determines their action and speech. Entrepreneurs are Visionaries. They see things afar off. They are able to vision it as if it is finished. They are able to share it with others who embrace their vision. They are outcome oriented people. “This is the end result that I want, and these are the steps that I will take day by day to build this thing to reach my goals and end result.” A good tip is to have a vision that you cannot accomplish in your lifetime. Your vision can reach to the next generation who may also not reach that final goal, but may have gotten closer.

Entrepreneurs are independent thinkers! They think outside of the box. They look for the opportunity when no one else sees it. They are ambitious people and are driven for many reasons.

They are confident people. They believe they can do anything. They have the mentality that says they have not done it yet, but will conquer that mountain. They are persistent to the point that they will break through whatever barrier in front of them.

Because entrepreneur are visionaries, they are very creative. They have to be self starters. They must motivate themselves on their own. They have to make it happen. Success is hard work and preparation together meeting opportunity. The reason Entrepreneur seem to find it is because they have this persistent mentality.

Entrepreneurs are able to clearly define what they want to accomplish. This is why they are able to bring others on board. To reach the results that they are looking for, entrepreneurs need others to help them make their vision come to pass.

Entrepreneurs are able to manage time. Not only manage their time, but help others to manage their time as well. They tackle the most difficult thing first.

Entrepreneurs love data, statistics and facts to make quality decisions. Entrepreneurs look for this information on their own. More great qualities of entrepreneurs and details are in the podcast.

Why The entrepreneurial mindset Works to Learn Not For Money?

What is the scenario of an employee mindset from the start to finish? Why entrepreneurs work to learn?

I. Changing the Mindset

The school system in America teaches students from Kindergarten to 12th grade to pay attention in class, read the textbook, believe the textbook, listen to what the teacher says as truth, and raise your hand to ask questions. Don’t question the teacher’s teachings. Be obedient. Be submissive. That mentality is drilled into students until they graduate. Once they graduate, they have been told all throughout school that they should go to college, should get a degree, should get skills training and then go into the workforce.

Get a good job with a company with good benefits and 401K. And that is what most people do. Whenever a person hears this concept, that you should work to learn and not work for money, it is a foreign concept to them. But what this concept is actually talking about is one of the characteristics of an entrepreneur.

II. Example of Working to Learn

An entrepreneur is going to have to work to learn. For Example whenever they start businesses, they might not know how to do computer programming at first. The Entrepreneur will have to learn the ins and outs of creating a website from installing web hosting, purchasing domain names, pointing the domain name to the web hosting server, Word Press, coding and build out the actual website using HTML, CSS or one of these programs that are available to them.

In anything you do, there will be a learning curve. You will have to learn how to integrate, setup landing pages, setup processors, setup email auto-responders, campaign mail-outs; building a list with landing pages; drive traffic; build products; and all of those great things that go into building a business. Those are just a few things that are involved in building a business online. Whenever you are working to learn, you are working to have control over your business.

Entrepreneurs will have to know that there will be things that have to be done personally in order to keep control in the beginning. You will not have money coming in. You won’t be able to pay someone to do this at first or up-front. You will have to Work to learn some things. That is just one example. There could be one hundred things that you have to Work to Learn.

III. Smart Entrepreneurs Reinvest in their New Company

While working to learn, it may take six months, a year or two years before you actually see any income personally from it. The smart entrepreneur will take all of the earnings that the company is generating upfront and put it back into the business for growth…like advertising or incorporating software for more functionality. (Example: to create another avenue of income you might purchase good membership software to add to your website and keep your products behind.

You can start selling memberships) Since there is so much that goes into building the business at first, Entrepreneurs will have to work to learn. If an entrepreneur doesn’t understand coding and he/she wants to get into online business (for example), he/she will have to work to learn. From there, once the entrepreneur sees that the website is on automation; customers are coming to the website; successful at driving traffic; converting on your campaign emails to the products, the entrepreneur starts making money. At that point the entrepreneur can start to realize an income from these investments of time, learning and working to create a healthy business.

IV. How you set up your business?

What is your structure? You should never spend cash to incorporate until you are creating cash flow. You are not a company until someone pays you for a product, not when you set up corporation.

    • Asset protection
    • Corporations Tax Liabilities
    • What ways are best for you to take income
    • When is the best time to take income?
  • Investing
  • Tax Breaks
  • Entrepreneurs teach themselves on topics that are important to creating and scaling their business.
  • After doing your research, consult an attorney if you are not sure about setting up your company.

V. Replace the “trading hours for dollars” mindset with the mindset of “work to learn.”

Section II

Four Tax Systems

Open the PDF & Print: Financial Mindset Worksheet I.  Complete The Worksheet.

Poor, Middle, Upper Middle & Rich

Notice the focus on the different mindsets, terminology, cash flow and taxes. Notice that the taxes benefit the rich and that the taxes confiscate wealth from the middle classes

I. Poor

A. Earned Income – Family of 4 making $23,000 – 40,000/yr.

1. How can you tell where they are in the structure? Their terminology tells you where they are, because they say what they are taught to believe about cash. You will hear things like:

  • “I need the government assistance with housing.”
  • “I need food stamps (EBT Card).”
  • “I need government health care.”

2. Tax Implication – They are not going to pay due to lack of earned income, but they may receive money back each year.

3. What do they spend their money on – (expense driven) entertainment, food, clothing.

II. Middle Class

A. Earned Income – Average $50,000/yr. (60% of the Country earn up to this amount)

1. How can you tell where they are in the structure? Their terminology tells you where they are, because they say what they are taught to believe about cash. You will hear things like:

  • “I own my own house.”
  • “I own my own car.”
  • “I want to climb the ladder.”
  • “I am looking for a better job with benefits.”
  • “I am vested in 401k.”
  • “I want to retire at 65.”

2. Tax Implication – They pay earned income tax of 39%. They spend 2 days out of 5 work days of pay tax.

3. What they spend their money on- (liabilities driven) credit cards, vehicle, home, boats & campers.       (interest payment) NONE OF THESE ARE ASSETS!

III. Upper Middle Class

A. Corporate, Dividend and or Earned Income (Depends on asset protection structure: How they set up the corporation or a CEO)– Usually max out at $500,000/year

1. How can you tell where they are in the structure? Their terminology tells you where they are, because they say what they are taught to believe about cash. You will hear things like:

  • “I own my own company.”
  • “I own my own houses.”
  • “I own my own cars.”
  • These businesses are businesses that involve their time and attention most of the time like (lawyers, skilled electrician and plumbers).

2. Tax Implications – Next tax bracket for earned income, double taxation for corporate with personal or dividends rate of 20%.

3. What they spend their money on- (liabilities driven) houses, yacht and cars at the next level. They also fund 401k.

IV. Rich

A. Passive Income – They receive a small paycheck.  These people work to acquire and accumulate assets that create cash flow. These people work to learn new ways to find another stream of cash.

1. How can you tell where they are in the structure? Their terminology tells you where they are, because they say what they are taught to believe about cash. You will hear things like:

  • “I control this corporation.”
  • “I control 500 apartment units.”
  • Trust owns this house.”
  • “Company leased car.”
  • These businesses are in asset protections that are owned by trusts or other structures that they set up that they control.

2. Tax Implication– Instead of paying company taxes on profit.  They take company revenue to invest in company owned assets that produces cash flow. These assets are subsidized, depreciate and write off expenses.

3. They buy companies, real estate and farms: Invest in cash flowing assets.

*Four investment vehicles that provide subsidies: providing housing, jobs, energy or food receive subsidies and tax write-offs.

Open the PDF & Print: Financial Mindset Worksheet I.  Complete The Worksheet.

Understanding The Economic System

Open the PDF & Print: Financial Mindset Worksheet II.  Complete The Worksheet.

Foundation for lack or abundance in finances

There are two factors to ponder: The first is the difference between economy and ecology. The second is our transition from country based markets to world based markets known as macroeconomics.  Another words the tying of all the markets together to set the stage to move to a one world government system.  Understanding these differences will provide insights to you to create wealth.   

Economics is based on scarcity and ecology is based on abundance. The currency determines what kind of economic system that a country has as a function.  Before 1971, America was an economy based system, because the dollar was on the gold standard.  Since 1971, the Dollar became the petrodollar. 

Every country must exchange their currency to the Dollar to purchase oil creating a reserve currency. Beside the exchange came fractional reserve looting (banking).  The bank could lend up to 9 Dollars to 1 Dollar.  Not only did the Federal Reserve create fractional reserve lending, but the Federal Reserve System pushed for NAFTA and other fair trade agreements.   

Free Trade Agreement Laws Rule Globally Now!

Here is the clever deliberate result of these agreements. You cannot trade from country to country with different laws, so the laws were changed.  Here is what was done and how they were able to change the laws.  Corporations are able to lobby government officials in our process in creative ways that result in benefits to officials. 

These corporations set up foundations that are think tanks, which write the bills that our elected congress and senate vote to pass as Law. Here is what the free trade agreement laws are from this process:  Uniform commercial code and maritime admiralty law. 

One law has to do with the water and the other has to do with the land. The product of one country is shipped by vessel to the port of another country is under admiralty law until it reaches land.  When the ship reaches land, then the products are subject to uniform commercial code. 

America is ruled by these two laws covertly, not the constitution. Courts rule are not based on constitutional law, but case law.  Macroeconomics is the results of these two laws merging each market and currency together.  The results are that markets and currencies follow each other in ups and downs. 

One system going down can bring every system down with it. Now you know why we bail other countries out in crisis.  This is globalism.  If Trans Pacific partnership passes, then complete control goes to corporations even over the web.


There are Central banking systems in every country except for a few. However, those are under U.C.C. and M.A.L. for trading.  Fractional reserve lending means that the economy runs on debt.  The only way to create cash is to create debt, so there is abundance. 

We are an ecology system that runs on abundance, not economy running based on supply and demand. The person that funds creation can borrow for a couple of percent and get profitable returns from revenue generating companies.  You can create cash out of thin air by providing value to someone in need that will pay you for your value. 

The cash from them was printed from a loan from this debt based ecology that keeps lending to keep the wheel turning. Once the lending stops, then the system falls apart from collapse.  Sometimes fraud can be abundant in this kind of system that causes a collapse like the housing derivatives in 2008.  The real danger to this debt based fractional reserve system is that the Federal Reserve System will wind up owning everything eventually through a new world order.

You create value and there is cash for that value.

Open the PDF & Print: Financial Mindset Worksheet II.  Complete The Worksheet.

Section III

Entrepreneur Knowledge & Skills

What Is Good Debt VS. Bad Debt

Open the PDF & Print: Financial Mindset Worksheet III. Complete The Worksheet.

There are two kinds of debt. Good Debt and Bad Debt. Most people only know about bad debt. Bad Debt is credit card debt, house debt, car debt. Bad debt requires you to pay the bank back with interest on top of the monthly note.

While you are paying it back, the asset is not putting money in your pocket. The asset is also depreciating at the same time. All of these bad debts are liabilities.

What is Good Debt? Any asset that you purchase that puts a monthly cash flow into your pocket every month is good debt. Good debt is used to fund real estate rentals, farming, companies and oil wells.

Open the PDF & Print: Financial Mindset Worksheet III. Complete The Worksheet.

What Is Price, Cost and Value

What is value? Value is demand, ability to do it and difficulty in replacing you or product. Price is the amount that a person is told that a product or service is worth. People always argue about price. Price is not the problem. Value that is offered in connection to the price is the point. If I pay for something, then that is the price.

What will it cost me? The cost is not the same as the price. For example: I can call a subcontractor to pour concrete to my front door without rebar for a cheaper price. The concrete settles and starts to crack in six months. Do I repair the crack? Do I get the concrete poured again with rebar? The price was for the concrete pour without rebar. The cost is what will be spent to fix the problem again. The long term is the cost.

The value determines the price. The better the value the less the cost will be long term for customers. You create value in proportion to your price and display reliability to establish that long term there is no extra cost.

Why Entrepreneurs Create and not consume?

There are multi-level marketing companies everywhere. I am not singling any companies out, but I promise that you have heard of the multi-level companies that I worked as an independent company owner. However, I would like to express my thought with this model? The first thing to note is that you can receive great training from these companies. You can do well with these companies through a lot of time vested and at an expense.

This model is based on the fact that the Independent Company owner will consume a lot of their products in order for that same person to be paid back for their level of consumption. Here is the process: Sign up to be an independent company owner for the company to consume products for a percentage back. Sign up others under you to become owners to consume products as well for a percentage back. They are taught to repeat the process.

What is the problem? The people that sign up purchase products that they do not need and then to get others to do the same. You will get paid a percent back for your consumption. There is no training to create your own products and to tell others to do the same.

Open the PDF & Print: Mindset Worksheet IV. Complete The Worksheet.

What are Rules of Entrepreneurs

Rich Rule #1: Financial Education

95%-5% Rule: Companies with success are 95% from systems and other 5% staff.

40% Rule: When you experience a mental or physical block. Keep pushing yourself with the 60% of your will. The 40% of your adrenaline will kick in to get you to the finish.

80-20 Rule The Pareto Principle: 80% of output comes from 20% of work. Discover the 20% and focus 100%.

Open the PDF & Print: Mindset Worksheet IV. Complete The Worksheet.

Open The PDF & Print: Mindset Worksheet V. Complete The Worksheet.

Why Entrepreneurs Control Companies

There are six things listed below that you must control. The first one is to control is yourself!

You are your greatest asset. You must be disciplined and confident to succeed. Your commitment to work will be your discipline. You will acquire confidence and competence through financial education. You can’t create a company based on yourself, your need is not enough. You must create a company that does something that matters. Attach a need in the world to your company and meet that need as a part of your mission. When the need is greater than the problems creating success, then you will find a way to do it.

The second one to control is time. Time is the real commodity in this world. You must control your time. The best way to do this is to create systems, processes of automation; goals linked to multiple work load plan breakdowns and work a timed daily strategic plan. You should write out a plan for your personal time too.

The third one to control is your response not reaction to situations. Reactions vs. response! Reactions can be good with benefits and bad with devastating effects. You must control your urge to react by replacing it with a response that is constructive. Always start with something nice and follow with constructive response to the situation. For example: You receive a call complaining about a product. Start with I am so sorry for your experience, we are going to resolve it right now! Get to work!

The fourth one is you must take control over your Choices. If you are living check to check, then you do not have choices. Your kids need to go to public school. You limit your health care policy. Your food choices are not organic. You need to go to cheaper restaurants. When you create cash flow, then you create choices. Since, you already do not have a choice, and then make the choice to commit to this plan.

The fifth one is to control how you position yourself. Your position can make you or break you. How is the foundation of your company? You cannot create a company without plans. Where are you going to go? No plan! Nowhere!

The sixth one to control is skill sets. You must become a lifelong learner.

Open The PDF & Print: Mindset Worksheet V. Complete The Worksheet.

What is Time Management

You must change your perspective about time before you can manage your time. Time is our most valuable commodity.

  • Time does not wait for anybody; therefore don’t waste time waiting for someone else.
  • Time wasted is not time that you can get back, therefore be selective with who you spend time with daily.
  • Allot your time in 15 minute blocks for every hour.

The ability of make decisions is necessary:

  • Decide to eliminate the bad habits that waste your time.
  • You don’t procrastination when you are decisive.
  • You make a decision to move forward without delay.
  • Focus on one company until someone can be paid to run the operation
  • Delegate tasks
  • Say: No when it is not necessary

The ability to be self-disciplined:

  • Reject distractions

Open the PDF & Print: Mindset Worksheet VI. Complete The Worksheet.

What Is The Entrepreneur Lifestyle

1.) Wake up early and go to bed at a decent time

  • The earlier that you can start your day, the greater amount of things you can accomplish without distractions. When you wake up make your bed. Why? You start off in work mode, set the pace from the start of your day.

2.) Don’t watch TV

  • It is a waste of time and it is only filling you with propaganda. The average American see and hears up to 3,000 messages of propaganda a day.

3.) Read daily

  • Not for fun. Read for financial education and to learn your niche. Learn systems, processes, methods, strategies and statistics that relate to your niche. Financial education is the combination of books, documentaries, tutorials, biographies, systems, methods, experience and guts. If you do not want to put cash into yourself, then you can’t expect anyone else to put time or resources into you. You are the asset that creates. Learn to create cash flow. You need to be an empty cup when you learn. Get filled up with knowledge. Read your wealth creation formula daily.

4.) Change what you think, say, do and how you response to situations. Here are some examples:

  • You must change your beliefs and your actions for the change to become rich. You should change the way that you talk about finances. You should say things like, “I want to control a trust.” “I want to provide housing for renters.” “I want to provide jobs.” “I want to provide food.” I am looking for farms, apartments and companies.
  • You need to change your mindset, mentality and beliefs about what you can accomplish. What you believe you can do, you can do. If you believe that you can, then you are right. You must condition your mind to breakthrough. Why? Hunger! What makes you take action? Certainty! You need to convince yourself that this will be the result (?) and it will change my life. If you don’t believe that you can produce an outcome, then you will never do it.


    What makes the difference? You settle the belief in your head first; before you can see it. Potential has to have action to have results. The results determine your belief. If you believe there will be no results how much effort are you going to put in it? If you knew that it will happen, then that is a state of certainty. You have more potential when your mind is conditioned to make it happen. Persistence breakdown resistance and then comes breakthrough and momentum. You will see Cash flow!

    5.) You need to contract before you can expand

    • You need to be poor now, so that you can become rich later. Get rid of whatever you can in your expenses. What expenses can you cut? You can cut down cable plan, phone monthly plans to prepaid plans and insurances. Don’t focus on a budget; focus on working to create cash flow. Cash is printed in abundance; there is no shortage of cash. Focus on creating solutions and cash will be there, not on your budget. If you focus on not spending, then nothing will come. If you focus on creating, then cash will come. What you focus on grows and what you neglect shrinks.

    6.) Goals With Action

    • Create your goals and then create your action plan will bring goals to pass. Start up your company online. Keep your job until your startup can replace your monthly living expenses by creating a product that produces cash flow. Don’t waste your time and cash forming a legal entity, you can do this later. You are a company when customers pay for a service not when you form an entity. Start a second flow of cash flow before you leave your job. You need at least two cash streams in case one dries up. Consistency through a system that generates revenue is the key to success. Period! The 95% – 5 Rule is that the system does 95% of the work and the person does 5% of the work. The plan’s redundant and tedious daily. You will not want to work on the plan some days and other days you will try with no accomplishment at all. The 40% rule is using the 60% of your will to push the 40% of your mind past the barriers to keep pressing through fatigue, laziness and writers block.
    • You know how to work for cash, now learn how to make cash and people work for you to grow your cash flow. Add another stream of cash flow and then let that cash flow work to grow flow. Repeat and repeat. Start with cash flow from trading hours for dollars. Start a cash flow through affiliate product for a percentage. Create a product that creates cash flow. How to double these cash flows? Where are customers that I am not? Place your content on these places. Do this over.
    • Save to pay yourself first. Place that cash in a separate account for an asset that will produce cash flow. You will need to save around 100,000 to get a real asset. While you save for this asset, you will use this cash to spend on your education.
    • Your net worth is your network. Who you know flows through what you know. You attract like-minded people.

Open the PDF & Print: Mindset Worksheet VI. Complete The Worksheet.

How ENTREPRENEURS spend cash

Take care of your own monthly living costs. Get rid of unnecessary liabilities, expenses and personal subscriptions. Pay yourself first. Start with a hundred dollars. The next month double it. Keep doubling monthly. You will train yourself to look for cash flow instead of a budget. Spend cash on assets that produce cash flow! You are an asset that can produce cash flow through financial education.

The rich use credit cards for cash back, flyer rewards and stays. They pay off the balance every month and on time. No other reason. They do not pay interest, but get the benefits. The rich use company cards for company expenses not personal expenses.

The rich do not own cars; they lease cars through their companies for a write off of the monthly note. The lease gets better benefits than owning the car through the company. They use debt for companies and real estate rentals. Owning a home is bad debt not good debt. I sold mine for that reason. Own rentals to cover your personal note and then you can own.

The rich look to pension funds, hedge funds, REIT, public offerings and venture. Don’t forget about crowdfunding. They take that cash flow and place that cash into another cash flow asset. The middle class use banks. The poor use pawn shops.

8 Entrepreneur Principles For Success

1.) Never say, “I cannot do something.” Get into your mind the saying, “I have not done that yet.”

2.) I must change the way that you think about money and business. Traditional thinking says, “You cannot make a mistake.” The greatest lessons are learned from the mistakes that we make. Therefore, the mindset of an entrepreneur should be to fail forward. Our mistakes strengthen our weak areas to bring forth the skills to be successful.

3.) Remember that the only roadblocks to success are mental roadblocks. If you have a problem that seems unsolvable, then you have to change the way that you are thinking about the problem. You will find the solution. There is a solution to the most problem; but the answer will come by thinking outside of the box.

4.) Write out ideas as they come to you. Write out goals to accomplish each milestone to reach your result. Set and meet your deadlines for your goals.

5.) Don’t try to do everything yourself. You have strength and weaknesses in areas of business. Know the difference and trust people that are highly skilled in your weak areas. Allow their strength to build that area of your business.

6.) Feedback and problems are your friends. These two things tell you what your targeted audience wants. Listen, learn and provide a valuable solution for the problems that you encounter.

7.) Do everything with excellence

8.) Connect with people in the same industry that is already successful. Learn from them.

Why Savers Lose Money?

The Confiscation System

The “Wall Street” system was set up to redistribute money from:

  • Savers
  • Wage earners
  • 401k investors

Where is the money going? The rich are getting the money. How? We will answer these questions in detail. I want to start off by saying that I believe in a free capitalistic market that is not controlled. The markets must be able to correct themselves. There should not be any bailouts. If a mistake is made by a company, then the company needs to learn by paying the money.

The bankers and the government are in partnership in the educational system. It started in the early 1900’s. The “Department of Education” was establishes in 1903. The bankers set up the D.O.E. foundation and they make the decisions for education. The deal is that the government pays for the education of students from K-12 years.

The Schools receives the curriculum that the teachers are to teach students. The School’s curriculum is designed to teach students a system of skilled work and long term investing for the banks to control. There are six huge Conglomerates that own all of the:

  • Banks
  • Newspapers
  • News
  • Cable television stations
  • Most Big business in corporate America
  • Pharma companies
  • Food companies
  • Control the Medical field through A.M.A.
  • World Council of Churches
  • Most of the large oil companies are owned by bankers

In fact, most Banks own over a thousand subsidiary companies. What is my point? The students in school are taught to be trained in a profession that will go to work for the conglomerates. The students are taught to buy cars and houses that will be financed by the same bankers.

I want to provide an example. A home loan is taken out for 150,000 at 5% for 30 years. What will that home owner pay for that house by the end of the loan? The answer is 300,000 dollars total. Well the price of the house will increase by that value in 30 years.

Yes it will, but look at this. The home owner pays the extra 150,000 over 30 years and the value of that owner saving in the purchasing power of the dollar decreased at the same amount in their 401k. The result is that the home owner lost a total of 300,000 that was stolen in inflation and in interest from the banks.

The banker’s loans people money with interest for their houses, cars and credit cards. The banks control inflation through the “Federal Reserve”. The Banks produce bubbles in the stock market, housing markets and commodities markets that trigger collapses. The result is that people with houses lose their houses, cars and most of their principle in the stock markets. One more point, the banks take mortgage insurance on home loans.

When a person’s home is repossessed the banks receive the full amount of the loan from the insurance company plus the profit in the resale of the foreclosure. The banks can loan out 12 times the amount of deposits in the bank. The people that are receiving the loan are depositing that same money in another bank at a 12 to 1 loan to another person. It goes on and on. I want to educate people to make better decisions with their hard working money.

I want to talk about taxes. A person that works for a pay check is taxed at the highest tax bracket. The people that own the corporations receive subsidies in tax breaks for creating jobs. The result is that the big business does not pay taxes.

The big businesses are owned by these same conglomerates. The earned income worker that receives a pay check pays most of the taxes. Who receives the tax money? The taxes go towards paying off the national debt.

The bankers loaned America the money and receives the taxes for interest payments. How much in taxes does the average earned income American pay? I’m glad that you asked! The tax bill is in some cases is more than 50% of people’s incomes. For example! The earned income by paycheck American citizen pays:

  • Up to 43% in earned income taxes
  • In some states there are state taxes of 10% on earned income
  • Property tax on their personal home is around 1,000 on every 100,000
  • 9% sales tax on products that are purchased
  • Obamacare tax n/a
  • Built in gas tax (2)
  • Built in cigarette tax n/a
  • Every utility and service provided to your home has taxes built into the bill (2)

The total in taxes that most Americans pay is 70% of their income. The result is that the part of your income that does not go to the bankers in taxes goes to the bankers in interest payments. I want to shift back to where I left off about school training skilled workers.

The educational system is geared toward training students to receive a skill set. The student is trained to work for an hourly wage for a good company in exchange for their time. I refer to this as trading hours for dollars.

The Schools teaches student to be good employees and not to question authority. Just do what you are told to do. The textbook is right, so do not question the material.

This is indoctrination, not education. The word education comes from the Greek. The Greek word for education is “enduce”. The Greek word means to draw out of.

The meaning of education is to give students the ability to analyze data, reason it out and to critically think through things to come to a balanced conclusion. In essence, the student is drawing out a conclusion from the mind. The student is not being told what to think. The student is not being pushed into propaganda and indoctrination.

The schools condition students to find a job with benefits and a 401k. The schools teach students to get a financial adviser manage your money. The financial brokerage charges fees on the money every year.

The financial adviser tells you that you must be diversified in your 401k. The professionals tell you that it limits your risk. I laugh HARD every time that I hear this statement about 401ks. I laugh even harder when I read the statements that I will teach you how to be rich with a 401k. I am not trying to be offensive. I am really trying to just get people to go analyze data, reason it out and critically think with me. I know not everyone likes real estate. May I examine risk in 401ks for people through a comparison with real estate?

There are two people investing money. One works for a company that receives a match in 401k contributions from their employer. The other is a real estate investor that buys and rents out apartments. The example will match the dollar for dollar investment of only 10,000 dollars over a period of 10 years. There is not any more money being put into either investment over the ten years.

Capture Capture 2

You tell me if these people that are teaching people about 401ks are professionals, after you read those facts. Believe it or not I am not finished. I plead with you to realize that you must have your own best interest in mind; no one else has your best financial interest in mind for you. Any guru with a book, website, TV or radio show that says I can teach you to be rich with a 401k is selling you a product that they receive benefit from financially.

You know why a financial planner will tell people that real estate is risky, because they do not get paid if you buy real estate. The brokerage’s pay advertisement to these radios and TV shows that say call me and I will tell you if you can afford to buy a product. These hosts will be out of business if you stop investing in 401ks. What are some more problems with these indoctrinated ways of thinking?

1.) Time Trader For Money?

A person has limited amount of time in a day. There are only so many hours in a week that can be traded for Dollars. If a person thinks about trading hours for dollars, then the result is going to be limited income.

2.) Are you a 7O% Percenter?

If you receive a weekly pay check, then this is earned income. Earned income is the highest taxed income bracket. Don’t forget that as a homeowner, you pay property taxes. You pay sales taxes when you buy something from the store. All of your utilities, phones and cable bills have taxes that are passed down to you as well. Around 70% percent of your money goes to taxes. Oh, don’t forget about the hidden tax. What Hidden tax? The hidden tax is Inflation. We’ll get to that.

3.) Are your Saving Shrinking?

Inflation is the devaluation of currency as more currency is put into circulation. When the number of dollars increases in circulation, it causes the previous amount of dollars to become worthless. The result is that it takes more Dollars to buy the same products, when there is an increase of dollars into circulation.

The price of the product did not increase; rather it was the value of the dollar decreased. The result is higher gas, food and clothing prices. The Dollar has lost around 95% of its value, since it went off the gold standard in 1971. If you are saving your money in Dollars, then the purchasing power has decreased as more currency is printed. What are the future results of inflation? If inflation is taking place, then they will need to raise interest rates to pull the extra dollars out back into the fed.

The result is that your interest payments go up on credit cards. If you need credit for a house, car and credit cards, then you will pay high interest rates. This is how the funny money is pulled back out of circulation. It is not so funny when you get the bill.

I want to show an example of inflation, because it causes interest rates to rise! If you have a mortgage at 5% interest for 100,000 Dollars home loan, then the house note will be in the low 500 Dollar range every month. The total price of that house will be 180,000 after a 30 year loan. If you have an interest rate of 10% for 100,000 home loan, then the house note will be in the low 1,000 Dollar range every month. The total price of that house will be 360,000 after 30 years. See the difference!

4.) Do you have a 401k broke account?

What do you need to know about 401k accounts? You lose money in your 401k in broker fees every year. When the market experiences a busts, then the plunge in value takes away all of your compounded interest growth that was accumulated over time. Here is an example about 401k accounts.

Before the market collapse from the housing crisis the Dow was in the 13,000’s. It went down to around 8,000. The fed started printing money. There was the tarp bail out. There was quantitative easing 1, 2 and 3. The influx of currency into circulation drove the Dow back up to 13,000. Is this good news? If you don’t understand what is going on, then it is good news.

The value of the Dow before the collapse at 13000 had a higher value, because the Dollar had more value. The Dow at 13000 after the Collapse is less valuable, because your Dollar has lost purchasing power. Thanks to inflation. See how it works. Just in case, I would like to clarify a point. If I had a 401k account in 2005 that had one million dollars in it, then it went down to 500,000 when the stock dropped.

The printing of tarp, Q.E.1, 2 and 3 placed trillions of dollars into the market. This caused the market to rise to its previous level before the crisis. The account is one million dollars in value again. So I received my money back. The fact is “NO” I did not receive my money back. The million dollars before the collapse would buy me products in that day’s value worth a million dollars. In today’s value of the dollar from inflation that money will purchase me around five hundred thousand in goods in that days value before the collapse. I lost money. This is the lie.

Conclusion: If you are trusting in this model, then you will go broke. There is a better way. You can tap into it with the right education. It will require that you change the way that you think about money.

Here is what schools do not teach you? Schools don not teach you about: How to handle finances? How to look at profit and loss statements? How to balance a checkbook? What are the basics concerning business ownership? What are the differences between an asset and a liability? What about supply and demand?

What is the difference between money and currency? What about economics? Hey wait a minute! What about BUSINESS SCHOOL? Do you know what business school teaches? The school of business teaches management training, not ownership.

America has gone through three economic eras since its founding. Americans were land owners, and there was a great emphasis on farming from 1800 to 1900. In the 1860’s, 75% of Americans were independent owners of business and 25% of the people were apprentices working to make a business. America started to build its industries.

The building of industry sparked the industrial age. There were people that came to America from Britain and other places that took over industries to transform America from owners to hourly workers. It is time for America to be great again and for Americans to go back into business as owners. Now we are in the information age.

The new way to make money is through financial literacy. It is critical to learn financial literacy. If schools do not teach it, then you have to educate yourself in order to take control of your financial future. What will happen if you don’t start learning about money? The risk is that your savings will disappear from inflation, taxes and market crashes.

From the 1800 to 1900 there was a strong draw around the world to come to America to start a business. There were immigrants coming to America for the American dream of freedom and financial wealth. The Federal Reserve Bank was started in 1913. The IRS was started as well. The tax policy was mainly for businesses.

There was a law passed to tax earned income in 1943. The tax act of 1943 made it mandatory for all people to pay taxes on earned income. There was another tax act that was passed in 1986 for higher earners. The self-employed professionals were affected by this tax act. This act affects people like lawyers, doctors and etc.

It has becomes costly to start a small business in America due to high tax rates. There is a lower percent tax rate for capital gains from investment. The tax system is geared to encourage investment, but has a high tax rate for small business. The wealth is controlled by ten percent, and they create 90 percent of the jobs.

Eventually the bankers will have to raise interest rates to pull that extra printed money back out of circulation. When that happens interest rates could be as high as 20% to get a loan. The cost of loans alone will wipe out your savings. The whole system is set up to get you to work your whole life. At the same time the money that is being invested for retirement is slowly disappearing through the orchestrated system that is set up. When you die there is a death tax. The intention is for every generation start from scratch.

It is critical that you get the financial education that you need to acquire wealth. A good way to get started is to build an online business. Build your online business in your spare time.

Section V

Wealth creation formula

Open the PDF & Print: Wealth creation Plan.

Step 1: Removing Barriers

You cannot get somewhere with road blocks in your way. You need to either wait for the road block to be moved out the way or go another route in order to get to your destination. Therefore, you should find ways to avoid being stopped or detoured by any road blocks during you journey. Here are some of those road blocks that can stop you from reaching your destination if you allow them to:

Minions– Anyone that tells you negative things about becoming financially free is a barrier to getting you to your goals/destination. Anyone that tells you that you cannot become financially free is a barrier. Anyone that tells you money is bad is a barrier. The “love of cash” is the root of evil, not “cash” itself.

Mindsets– You need cash flow for something other than yourself. What is your reason? What are you going to fund? Don’t think only enough for yourself. That is small thinking. Think big, Think of others that you can help, teach, guide, prepare, etc. Think beyond yourself and for the needs in the world.

An asset is not a home, car or boat. An asset will provide cash flow to you. You are your greatest asset: your ability to create cash flow. You need to invest in your financial education. If you don’t believe in yourself enough to invest, then you can’t expect anyone else to invest in you as well. You can’t do for others until you can do for yourself.


1.) It takes cash to make cash. No! Solve problems and here comes cash.

2.) What do you think cash grows on trees? That would take a long time. No! They print it and it is abundant.

3.) I need to save and put in in slow long term growth for wealth. No! The markets grow as currency value shrinks since 1971. You lose purchasing power and gain market value.

Work hard and you will create wealth. You can’t create wealth from exchanging your time for dollars. You only have 24 hours. It is like the tycoons said, “I will take 1% of 100 people’s efforts over 100% of my efforts.”

You must multiply yourself with employees, affiliates and people sharing to bring customers to you. You need to leverage your cash flow using good debt for assets to bring you more cash flow. You can leverage up to 80% of your initial cash using debt for cash flowing assets. You can control an asset worth $100,000 for $20,000. The asset rises in value as the dollar drops in value as well. This is a hedge against inflation. You can collect rent on $100,000 for $20,000 in the deal. You collect rent for $1,000 and other people pay down the debt for you. This is one of many ways of using debt for cash flow.

Mentality– No excuses! Just Results! Excuse: I don’t have time! We all have 24 hours to fit in work, kids, family, activities and responsibilities. During your startup’s infancy, you must be 100% focused on the company’s growth and desired results. The phrase “pay now, play later” is so true. Think about what is taking time that you can never get back? Remember, I practice this myself; this is why I have time. No television (That is right! No shows, propaganda news, local sports teams), technology for personal use, please no video games and hanging out with friends. Failure is not an option; patience and persistence will breakthrough any resistance to my desired end. Start with the end in mind and work back to creating and executing the plan that best works for you.

Step 2: You Need A Mentor

The system is your mentor. Success is 95% system and 5% people. Do the plan daily.

Step 3: Stop Spending

If you do not need it, then do not spend your dollars on it. You need shelter and food. You already have clothes, so you don’t need anymore. Don’t go get a car, if you have one that runs. Don’t spend in restaurants. Stop vacationing every year. Yes! I followed and still follow these principles myself. You can play later.

Step 4: You Need Income & Increase It

How do you get from 0 to 100, 100 to 200 & 200 to 400? You need income to start. Then you need to increase that income by being promoted, selling more, learning more, applying yourself, keeping a good outlook and attitude, etc. Take Action! For example, I started out as a waiter. I could not make $100 from a shift if my attitude is that I am not going to make money tonight. Instead I said that I am going to make money tonight by upselling beverages and desserts.

What is the plan?

How do you get from 0 to 100, 100 to 200 & 200 to 400? Let’s say that I am a waiter. Attitude is everything. Don’t go to serve people with the attitude that you will not reach your goal. Determine how much you need. I need $150 this shift. Say to yourself, “I am going to make money tonight.” What is my plan? I am going to be the server that stays until closing, because I am guaranteed more tables.

The more tables, the more tip potential. I am going to push these items to increase my check balances by selling pricey entrees. I will guide the order, not take the order. I want more than 15%, so I will bring a couple of extra mints to the table. Reciprocity causes people to want to do something in return. We are looking for 25% tip average. A waiter is a salesperson. Sell and use psychological triggers to produce sales. Remember you have not because you ask not. Ask for sales. This is how you increase your income as a waiter. You need an action plan and then action.

Step 5: Create A Cash Flow Stream

Think of offers that are related to your current services. Create something to cross sell to people that can relate to that service. For example: I sell my book, but I want another stream of cash flow. I am going to write a workbook for that book to sell with the book. Later on I want another stream of cash flow. I am going to create a t-shirt with a concept from that book. I am going to create a hat with that concept to sell.

Step 6: Save: Keep Cash For Yourself First

Open an account that is separate from your daily account and forget about it. Put away $100 the first month. Put away $200 the second month. Keep doubling monthly. Your focus will shift to search out opportunities, you will find ways to double. You don’t want to focus only on money; you also want to focus on opportunities to solve problems for people. Problems are opportunities in disguise. Remember you are the asset. Invest in your financial education and nothing else until you save at least $100,000.

Step 7: Create Another Stream And Increase That Stream

Create a product for your company. Write a book about your niche topic. Publish your book on amazon. You will receive an ISBN for each type of book. They also print the book on demand. You can create an audible version of the book as well. What is my plan to increase the income? I am doing interviews, seminars, podcasts, videos, and call organizations to sell my products in bulk for a discount.

Step 8: Create Another Cash Flow Stream

The point is to create streams that are closely related to one another. You can’t cross sell unrelated items. Create a work book for your book as a cross sell. The next product should be an upsell, like a membership. The next product should be a program, like a university. You are creating levels that relate for the lifetime value of customers. You are creating loyalty. You will need programs to keep them around. How else can they be loyal to your company?

Step 9: Save: Keep Cash For Yourself

Continue to save from Step 6. This is a repeated process.

Step 10: Place Cash In Tax Subsidized Assets That Create Cash Flow

Leverage yourself with employees and systems. Leverage products with affiliate programs and buzz. Leverage dollars with good debt by purchasing cash flowing assets that are tax subsidized, depreciate and can write off expenses to eliminate tax. Repeat.

There are four assets that are subsidized: Creating jobs, Energy (like oil), Housing and Food. So look for oil opportunities, farming, businesses and real estate.

Disclaimer: I am not a lawyer. This information is not to be considered legal advice. Look for an attorney that specializes in the protection for these issues and trusts. I am not a license professional. Consult a professional for investing. Research your own investments or you will lose all your money.

Open the PDF & Print: Wealth creation Plan.