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Money is a game. It's not the end game. It's just a fun game. You're

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being lied to. Time is not money. Money

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is just a scorecard. It's a scorecard to keep score

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of how you're living your life. Buy assets. You must

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buy assets. Buy assets. Secret number seven

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that millionaires don't tell you. They're optimistic about the future but

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pessimistic not to lose. Here's the truth, diversification is

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great at keeping wealth, but not building wealth. The

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secrets that millionaires hold back from you is this. I'm

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Lloyd James Ross, seven-figure investor and entrepreneur, and I've helped thousands

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of business owners and professionals turn financial stress into

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success. If you're stuck in old money habits, overwhelmed by investing,

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or unsure where to start, this is for you. I'll give you the mindset

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and strategies to take control, grow your wealth, and achieve

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financial freedom. It's time to make your money work for you. Have

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you ever seen people seemingly make money with ease,

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hand over fist, or someone become a millionaire and

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you thought, how did they do that? And you've wondered whether you can do

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it too. And you start to wonder whether there's something you

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don't know, some sort of secret, something that they know that you

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don't. Well, I'm here to tell you that that is actually very true. There

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are things that millionaires and billionaires know that

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you don't. And in this episode, I want to share with you

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what those secrets are so that you can start deploying those secrets too.

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Because when you know these secrets, you will start to make money as well.

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Not just make your money, but grow your money and keep your millionairehood for

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the rest of your life. So, buckle up as I share the secrets that

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millionaires know that you don't. Secret number one,

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money's a game. It's not the end game. It's just a fun game.

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And life is a game too. And they play life and

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money like it's a game. They don't take it so seriously. And

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when I play the money game, I'm exactly the same. Once upon a time, my

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dad said to me, son, you don't be too stiff. It's all

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just a game. And so since that lesson, I've always

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just had fun playing the game of money. So you'll play a

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game better when you have fun. And just like what your parents

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taught you when you played board games, it's not whether you win or lose, but

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whether you have fun. And at the end of the day, we all lose because the

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king and the pawn on the chessboard go

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back into the same wooden box at the end of the game. and there's no difference

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when it comes to your money because we all end up six feet under, dead

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and buried. So, if it's just a game and you can't take it with you,

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don't be so stiff about it. Start playing the money game like you would a

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board game. Have some fun. Secret number two, there are

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rules to the game. And there are rules to win the game. So when

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you can have fun playing a game and there are also rules to win it, you've just

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got to know what the rules are. And guess what? The rules aren't new. They've been

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around for thousands and thousands of years. There are specific rules

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to the money game, such as underspend what you earn, invest

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the proceeds, be patient, give, give, give. It's

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not what you know. It's who you know. There are some specific rules to this game. So

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part of the process is to educate yourself Get around millionaires

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and learn the rules of the game. The beauty of the rules are they're not

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that difficult. They're simple, but they must

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be followed because if you don't follow the rules, you'll not get the same outcomes as

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millionaires. Secret number three, money is just a scorecard. It's

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a scorecard to keep score of how you're living your life. So

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if you live your life with abundance and reciprocity and

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you give and you're kind and you work

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hard and you show up and all these annoying traits, that

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you think don't matter, if you play life like that, then you'll

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see your money grow because money's a scorecard of how much

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value you give to the world. In which case, if you don't

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feel like you're a person of value, the first steps are to start filling your cup with

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valuable things. acquire knowledge, acquire skills,

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do things for others, become a person of influence, become a person of

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value by giving, giving, giving, giving. So many people don't give anything.

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When was the last time you actually said happy birthday to someone? When was the last time

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you wrote a letter to someone? When was the last time you gave without expecting

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anything in return? And so if you play life like that, I

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promise you the score will show that you are great with money because money

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will flow to you. Because money is simply a value exchange. The

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more value you give to the world, the more money will come to you, okay? It's

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a scorecard. Keep score and have fun. Secret number four

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is, and it's an old money myth, and I'm sure you've heard this before, time

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is money. But what if I told you that the

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secrets that millionaires hold back from you is this, time is

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not money. What do I mean by that? Time

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is not money. What the heck is Lloyd talking about? Here's the

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thing. Time is more valuable than money. You

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see, most people spend time to save money. Whereas

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millionaires spend money to save time. So

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if you want to become a millionaire, start putting your time above your money. Start

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delegating things below your hourly rate. Start to look at time as

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the currency and not money as the currency. Because at the end of the

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day, wealth is a matter of how you spend your time, who you spend it

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with, and what you spend it doing. After all, what's the point in having a

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Rolex if all it tells you is what time to be back from your lunch break? Secret

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number five that millionaires don't tell you. They don't diversify. You've

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probably heard this before. Diversify your investments. Diversify your

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assets. Buy multiple assets. And if you go to

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some sort of academic course or you do some sort of program

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when it comes to wealth, you will hear this a lot. And I heard it too when I went through university

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learning finance. I learned it through the CFA charter program. It

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is taught in a lot of schools. And it is taught that Diversification

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is important to building wealth, but here's the truth. Diversification is

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great at keeping wealth, but it's not so great at building wealth.

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What do I mean by that? Let me give you an example. There's a saying that says, don't

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put all your eggs in one basket. And you may have grown up with your parents telling you

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that. Of course, if you have them all in one basket, you drop the basket, all the eggs

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break, okay? But Andrew Carnegie, who in

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the early 1900s was the richest man in the world, he

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actually owned US steel, made the most steel in

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the world. He was from the Gilded Age, a

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titan of industry. And once upon a time, he

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and J.P. Morgan sat down and J.P. Morgan was one

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of the world's greatest bankers. And they were doing a deal and

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Andrew Carnegie sold US Steel to JP Morgan for

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$400 million. And at that point in time, Andrew Carnegie became

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the wealthiest man in the world. And one of the lessons he

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taught and shared was that he said, put

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all your eggs in one basket, but watch that basket. because

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that's how he became the wealthiest man in the world. He had one

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business, US Steel. He did one thing. He made steel. He

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didn't diversify. He focused his investments. And if you look at

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the likes of Mark Zuckerberg, of Jeff Bezos, of

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all these titans of industry in today's world, every single one

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of them had one thing. They put all their eggs into one

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business basket, and they scouted the basket, and they watched the basket. They

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still watched the basket. So the trick to this wealth game is, Don't

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diversify too early. Put all your eggs in one basket,

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but make sure you understand the basket, you understand the eggs, and you watch it

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very closely. Just quickly, if you're ready to take control of your finances but

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feel stuck on where to start, I have a solution. My

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book, Money Bias Happiness, simplifies investing and

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wealth building with practical steps to help you achieve financial peace.

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Get your copy via the link in the show notes and let's get your money working for

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you. Now back to the episode. Secret number six that millionaires don't

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share with you is this. They have high

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standards in all areas of their life. Meaning this, how

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you do one thing is how you do everything. So

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for example, if you're drastically overweight, it tells me

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that you don't have a great deal of discipline. Unless of course you're suffering from some medical

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condition, but it tells me you don't have a great deal of self-discipline. So

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when I wanna do business with someone, I probably won't do

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business with someone who has no self-discipline, not to eat too much food. As an

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example, put all the hate in the comments. But it's a fact, right?

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And this is why when I want to do business with someone, I go and play golf with

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them. A buddy of mine said to me once, he's now a business partner incidentally, he's one of our partners, one

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of our businesses. And I've known him for about 15 years. And

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why I got into business with him is because I've played golf with him. In fact, he taught me

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to play golf, which is cool. And I said to him, hey, why would I want to play golf?

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And he said to me, well, tell me if you could play golf for four hours

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with a CEO and you have four hours of uninterrupted time with them, would

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that be valuable for you? And it was like this penny drop moment. I'm

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like, oh my God, I need to start playing golf. So

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he started teaching me how to play golf. And we're on the golf course one day and he said to me, you know why it's

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great to play golf with people? And I said, because you can spend four hours with them uninterrupted. He

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said, besides that Lloyd, what else? I said, I don't know. He said, because you

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can see how they play the game. Because how you do one thing is

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how you do everything. So if you play golf with them and

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they cheat, they lose their temper, they kick their ball

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to the hole instead of playing the hole, they aren't fair to others,

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they treat the groundskeepers with contempt and they're rude, all

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of these traits will come out on the golf course at some point because how

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you do one thing is how you do everything So if you want to get into business with someone, go

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and play golf with them Secret number seven that millionaires don't

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tell you. They're optimistic about the future, but pessimistic not

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to lose. So you have to have a level of optimism and everything

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will be great. And also, oh my God, everything can also be

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not great. And it's this weird pull you have in both directions. So

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you can't just be a pessimist and a bear, but you gotta be a bull. You gotta be excited

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about the future. and you have to know that it's all going to

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work out, which is quite challenging sometimes. But someone once said

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to me, as a millionaire, if you want to be a millionaire, never bet on the end

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of the world, because even if you're right, you'll never make any

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money. So be an eternal optimist. Just understand

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the world's gonna get better and be better. And just understand too that we're living in

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the best time ever. So you're alive now watching this. You

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are now the ultimate human being because you've lasted all these generations all

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till today. And you're living on the precipice of greatness

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in history. You're on the event horizon of humankind. And

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so that's an incredible place to be and you're gonna win. And you have

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to have that attitude that you've gotta be an optimist. The world's gonna get better and you're

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living in the best time right now. Secret number eight, they don't let

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the opinions of others dictate their actions. They independent thinkers,

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and they realize very quickly that opinions don't amount to much. So

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here's an exercise I'd love you to be able to do. If you don't believe me that the opinions of

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others don't matter, then here's what I want you to do. I want you to go to the supermarket

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this weekend or today, and I want you to

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go and get your groceries. I want you to put your groceries into the

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trolley, as many as you can get. and go to the counter, and

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when you get to the counter, and they rack up the bill, and you can see,

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beep, beep, beep, they scan the items, and

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you can see the bill rack up and it says $200. Here's what I want you to do. I

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want you to pay that person with the opinions of

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others and see what they say. And lo and behold, you

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realize that they're worthless. And so millionaires realize

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this, and that's why they don't care. Because at the end of the day, people are

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afraid of being judged. What if I told you you're

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going to be judged anyway? You'll be judged if you do, and

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you'll be judged if you don't. So you may as well do, which

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means you're being judged no matter what. You're judging me right

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now. You'll either like me or hate me, or you'll be in between, but you're judging me.

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You cannot escape judgment. So at the end of the day, play your

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game, make your move, make your mark, go for it, because if you don't,

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you'll be judged for not having a go. Secret number nine, the

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curious, competitive, and they delay gratifications. They

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don't buy the nice things immediately. And I'm sure if you've followed me for long enough on

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my channels, on the podcast, on my Instagram, wherever it is, you'll

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know that I don't put the cherry on top of the cake first. You bake the

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cake, you put the icing on, you put the cherry on top at the end, and the

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cherry on top of the nice things, the first class flights, the

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Ferrari, the beautiful home, You can get all those things but

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they don't lay a great foundation. If you put all those things on the bottom of

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the cake and you tip it upside down, it's not going to be a great cake. Okay?

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So, the nice things come at the end and all millionaires know that

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they delay their gratification. Why? It's because they can

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then do secret number 10. And secret number 10 is

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something my friend Sharon Lecter shared with me and she's the co-author of

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the number one personal financial book ever written, Rich Dad

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Poor Dad. If you've never read the book, I'm sure you have because a lot of people have, go read

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it. But in the book, Her and Robert Kiyosaki, who wrote it together, and

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she said this to me on the show, she was on the podcast, and I said to her, Sharon,

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what's the number one nugget you can give the audience? And she said, Lloyd,

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buy assets. You must buy assets.

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Buy assets. What does she mean by that? Well, assets are things that you buy that

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grow in value and produce cashflow. People just think that assets are

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things that grow in value, but they're not. They have got to produce cashflow. Why is

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that important? Because cashflow creates freedom. If

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you can invest some of your proceeds by delaying the

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nice things that you buy and buy assets like real estate, stocks,

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a small business that produce cashflow, you'll be able to develop financial freedom,

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which will allow you to scale to millionaire hood and eventually billionaire

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hood. Okay, so you must buy assets. Secret number

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11. that millionaires don't share with you is this. Your network does determine your net worth.

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However, what they don't tell you is that you have to

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have three things when you build a network. You

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have to have the ability to talk to people and be around people. So

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that's networking. But you also have to have

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two other things to monetize the network. One, you

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have to have some skills. You have to be a useful person to

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the person in the network. Otherwise, they're not going to give you an opportunity. And

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the second thing you need to go along with the network is you need to have a little bit of money. Because

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if you have a little bit of money, then you can actually exploit the opportunities

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that you're given. All right, so be someone who's useful. So have the

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skills, have a little bit of money ready to go because when the opportunity arises,

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you need to execute it. And that's what amplifies a network. So

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if you are someone who wants to meet people and build your network, that's great. But what are you bringing

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to the table? Are you bringing skills or you're bringing bills?

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But you need one of the two. Otherwise, you're not going to be a very effective person

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for them to network with either. All right? So your network does determine your

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net worth only if it comes with skills and bills. So

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there are 11 examples, real world examples, of

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what millionaires know that you don't, or certainly

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that you didn't, but now you do. So what are you going to do with these? You're

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going to take these secrets and you're going to start to deploy them. You're going to start using these

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secrets. Use them to your advantage. Use them every single day. Don't

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forget them. If you need to come back and listen to this episode again, do that. If you

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need to share this with your spouse, a friend, whatever it is, hit the

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share button and send them the link to this show so they can understand the secrets as well. Because when

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you understand the secrets and the rules of the game, you can also become

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a millionaire. And there's nothing I'd love more for you to do by

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watching our channel and listening to the show than to become a millionaire. and

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build the financial freedom you want, go for it, because these secrets are

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now out, which means you can follow them, all right? So if you've enjoyed this episode, go

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check out another episode, hit the subscribe button, and leave us a comment. Pop

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in the comments below, what is your favorite secret that you're gonna

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deploy? And I'll see you in the next episode. Thanks for listening to Money Grows on

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Trees. If you enjoyed the episode, leave a five-star review on Apple Podcasts

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and Spotify and subscribe to us on YouTube so you never

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miss an episode. And if you're serious about building wealth, make sure to

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check out the links in the show notes and follow me on all social media

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platforms, at LloydJamesRoss for more. See