Rich and Generous

The most generous people in the world are successful rich businessmen. That is how I see things in my world. For people who just work for themselves are selfish.

Generosity for me is different from philanthropy. I don't like giving money and food to beggars. I would rather teach how to build wealth. Generosity for me is helping millions of people solve their problems and teaching them to be financially free.

A personal experience of my mother in being a philanthropist was ugly. A child begging for 2 pesos so he can buy food because he hasn't ate anything for 2 days - this was when I was still in my student days. My mother's heart was ripped and willingly gave money. They part ways and my mother went on with her errand. She was shopping for groceries that day. On her way home she saw the boy in the street. The boy was playing with coins. He was gambling.

I'd rather teach than give material things. I'd rather empower people with skills than let them depend on others. And I do it through CA2020 business community.

First Step to Wealth

My first step to wealth is to learn how to sell. You can't be an entrepreneur if you don't know how to do it. I tried selling tubao's, malongs and sarongs. It was a great experience. I also studied advertising, negotiating and marketing.

Selling is a form of communication. Many people don't look up on sales people. They think that selling is the most lowly profession of all. I was one of those people when I was not yet serious in business. I now realized it's one of the keys to financial success.

I'm still on the my first stage to wealth. I joined a business community to increase my salesmanship and leadership skills. As I learn these things, my personal development grows rapidly every single day.

Reverse Crab Mentality

The crab mentality is one of the most negative traits we Filipinos think we have. It actually exists all around the world and even other races do have such. It's just another form of envy.

As I learn more and more about money and business, my crab mentality increases. Only, it's reversed! As I get successful and rich, I want more and more people to experience it, too. I want to pass the knowledge especially for people who really needs it.

The problem is most people who really needs it do not have the right mindset. Despite the great challenge, my reverse crab mentality grows bigger every single day.

4 Lucky Strikes...And Counting

I just joined a business community. I'm very grateful being part of it. I learn how to lead and be a great storyteller.

Before I joined the community, I find it hard getting rich. When I found out that working as an employee until 65 won't get me anywhere financially, I convinced my parents to retire early before they reach it. They retired this year at their mid-50's. Luckily, they thought of investing when I was still in High School and that is why we have 2 houses. We decidedto get into rental business - the simplest business of all. The experience was not simple. We argued and shouted at each other a lot. It came to a point where they don't want to be with each other anymore. I didn't lead them effectively.

I managed to lead my family and luckily we now have the business running. We also learned to understand each other and work as a team. I found there is more to learn and I needed a business mentor. And another luck came while seeking guidance. I was invited in the community. They showed me that I can reduce my 20 year plan of getting rich in less than 10 years. I now do not find it hard getting rich but not that easy either.

Good Expenses

I now have a bookkeeper. I pay him to update my personal financial statement. It's a great feeling having to accomplish even the smallest things. I'm beginning to feel of taking control of myself and my expenses.

Before I hired my bookkeeper, a good friend of mine told me that I might regret my decision because it might not yet be a good time to spend for bookkeeping. But I decided to go on anyway. For me, it's a good expense. I appreciate my friend's concern because I agree it's better to have a bookkeeper when you already have a business. But I wanted to push my limits and push myself to work hard to increase my passive income because I have to spend more.

There are good expenses and bad expenses as there are good debt and bad debt. Spending to update my personal financial statement helps me to see how I spend and how are my investments doing. Therefore, for me, it was a good decision. Besides, if I can't pay my bookkeeper anymore, then I just have to fire him. The experience was very fulfilling. And I just added another good friend in my circle, my bookkeeper.

From Waste To Wealth

It doesn't take money to make money. That is what I learned from reading business books. You can even make money from garbage. In other words, from waste to wealth. Typical example is recycling. For business people, liabilities are wastes. They can turn liabilities into money making machines. Others turn wealth to waste.

You don't need any capital to make money if you have a creative mind. You just have to open your mind to the world of business. Sometimes, it only takes an idea and a venture capitalist partner to make a wealth building business.

Rich Juan Tamad

What I learned in my studies on how to be rich is that laziness is the key to richness. How can you serve more and more - and charge them - with less and less effort. That is the key of the creative mind of business tycoons.

Juan Tamad is one of the characters our elementary teachers discourage us to follow. I recommend you follow him if you want to be rich through entrepreneurship. It doesn't mean be lazy on studying how to be rich and building systems but be lazy on labor.

We are popular of being a race of hardworking people. We should be hardworking at building business systems not at hard labor.

Rich-Poor Gap

It's in the news that the gap between the rich and poor has grown in the past 20 years in the developing countries. And the government is suggesting that we educate our children so they will grow as responsible grown-ups and hopefully will be financially stable.

The problem is we educate our children to be specialized employees but not financially literate. Then the gap continues to grow and the have-nots will blame corruption. Then a revolution will break out because they can't take it anymore. Chaos sets in then the rich will see opportunities in times of war. And the poor do not. Then the cycle goes on. The gap grows and grows even farther.

Stand Strong

Here is a classic example of the opposite views of an employee and a businessman.

"Any comment on the following criticism and controversy:

Kiyosaki's books and teachings have been criticized for focusing on anecdotes and containing little in the way of concrete advice on how readers should proceed...."(You can read the rest of the criticism article at: http://en.wikipedia.org/wiki/Robert_Kiyosaki#Criticism_and_controversy)

I suspect you haven't read the books mentioned on that criticism. After reading their books, it's not hard to see what they are talking about. You don't have to look in the libraries to confirm the facts. You can see it all around you.

I can see you are a religious person. And a teacher. And I expect you will never read their books or understand what we are talking and standing for.

I live by the principles of Ignatius. What I learned in Ateneo is to serve others. I don't see injustice in uplifting the poor from poverty or make them rich.

Businessmen are vicious. We are vicious so people can understand. Sometimes we come across as evil and greedy.

I have talked too much. Talk is cheap. And time is too precious to waste.

I stand strong to what I know what is right or wrong. It is important to be open to new ideas. War is started due to conflict of principles or maybe financial illiteracy. If you see justice in making war, suit yourself. I won't budge an inch to what I see is fit and just.

Lucky Me

I read this article about a survey on Filipinos-my fellow countrymen- about retirement. Most agree to start retirement plan when they are 30, which the financial advisor agree is appropriate. Then a question about investment vehicles. Then a comment about financial people actually do not have retirement of their own. Simply, DO NOT WALK THE TALK. The summary, they know it's important but they don't do it.

I guess I'm just lucky I bought the "WHY WE WANT YOU TO BE RICH" book earlier than when I reach 30. Only it's 3 years. I hope that is sufficient head start.

When I just started working here in Manila all I wanted was comfort and a bit of leisure. I bought my own tv set and a dvd. Then a ps2. A typical rat race, while income is increasing so is expenses.

Fortunately, I didn't follow my colleagues who were addicted to laptops and psp's. I was contented in ps2 and was thinking of doing business occasionally.

Then one day, I went to national bookstore to look for a small book that I want to read. Just any book. I came across this book. I saw Donald Trump. Then I saw Robert Kiyosaki. Robert who....? Ow, the author of rich dad poor dad. Yeah I heard that book from Forever Living.

And so my journey to financial freedom begins.

Buffetology

This is the latest book I had so far as of the date 10/11/08. I'm not sure when did I purchase it and I'm too lazy to see when was the exact date which I wrote at the first page of the book. I always do that on all my books that I purchase and love the most. This book is all about the investing styles of Warren Buffet on stocks.

Mary is the author if the book together with.... I forgot who. Anyway, she was the daughter in law of Warren. She was divorced to Warren's son. She wrote it with the assistance of Warren's friend and partner- I think.

I haven't finished it reading but she is very funny! This book is also valuable for business owners. You can actually measure if your business is doing fine. It's just like what Robert Kiyosaki always says that it's a good practice to have your own business before investing because you are actually investing in a business.

I recommend this book to everyone who wants to be rich.

Don't work for Money

If you only see a world of PAYCHECK, you will not develop the sight of seeing opportunities. Seeing a world WITHOUT PAYCHECK enhances your creativity.

When the world was just starting to make technology, employment was in the form of slavery. Everyone tries to make a living in trade. Almost everyone are merchants. And I notice that almost all of our grandparents have businesses. It only means, before, people see a world without paycheck.

Do not be addicted to high paying jobs. You will only make your employer richer, not you.

A message to all OFW's

I have friends that went abroad. Most of us were sad and some NR-no reaction.

Statistics shows that more than half of the ofws still have consumer habits than those that invest or create businesses.

people, you went abroad because our country does not satisfy your income needs and difficult to find a quality job. It's time to create jobs.

Learn and enter the business world. It is one of the ways lacking in our country. Patriotism? it's all over. Only a few engage in building corporations that provide employment.

I thank you because you people are not called modern heroes for nothing. Yes you helped our country from the effects of the turmoil, but if you want to really help and be patriotic, enter the money game and WIN.

New Hope

I remember my college professor, a jesuit, was so relieved that Erap was ousted and Gloria was appointed. He said,"God is still with us...blah blah..." I was also relieved and grateful someone intelligent was to sit on the presidency.

And now everyone is complaining about Gloria. I lose hope that the next president will ever solve the problem. And it was more strengthened when I read the books Rich dad and about Donald Trump. There is no hope if we depend our future to our president. It's better to help ourselves the way entrepreneurs help themselves.

This is my new hope. To be rich and help other people become rich.

The Power of Words

The words that you use will be your future. The first thing that I always say to myself is "How can I afford it?" I never say "I can't afford it." It is one of the things I learned from Robert Kiyosaki. Rich dad always remind them never to say those words. He forbid them to say it.

I focus to be conscious to what I am telling to myself. I always think that whatever I tell myself, it will be my future. So, whenever I encounter myself saying negative, I focus to change it and I go on to what I am working on.

Cashflow Quadrant

This is the 2nd book I bought. It talks about the different core values of people regarding money-employee, self-employed, business, investor. And also the different levels of investors.

What really got to me in this book is the power of words. Just by listening to the words a person says you will know what are his core values regarding money. You will know which source of income he mostly earns.

It's a great book to learn about money and setting your mind which quadrant you want to be in the long run.

Finally found my purpose in life

I've always wondered how I can contribute to my country. Back in my college days, I always have a bleeding heart for the poor. It was what my Theology professor reminds us always. And that also, when we graduate, we may find a job here or abroad but we should always think who we really are serving.

When I got here in Manila, I went to a protestant church. Although I am Catholic, my father taught me that it was good to go to other churches to observe and respect how
they pray. My experience in this certain church was incredible. We had an activity wherein I realized that once I wanted to really make a difference in my country. I also realized that I'm not the only one who has this endeavor. But if only it was that easy to make a difference.

It still didn't get me anywhere. I thought I could find ways in that community to execute my endeavors. Not until I bought my first business book. That book was so precious to me. Although I treasure a lot of my books but it was the most sentimental and meaningful for me. The book was "Why we want you to be rich." I learned a lot in that book about being rich and being part of the solution in the near future to fight poverty instead of being part of the problem.

I always hear my father say,"Don't give them fish. Teach them how to fish instead." My father was a teacher. He teaches Physics most recently but he did taught other subjects before. He was fanatic that laboratory experiments shows or are internalized more by students than just simple lecture. He would say,"Experience is the best teacher." Those lines really got to me since I was a child.

I always wanted to teach people how to fish, not just give them fish. I found out that there was more in LEARNING HOW TO TEACH people how to fish. I found out that financial literacy is the solution. I'm dedicated to enhance my financial literacy and share it to people who are financially challenged. I didn't want to end up a teacher just as my parents did. I wanted to be a business man. Well, I am going to be one but there is still a part of me that is just like my parents-a teacher.

2010 President

Who do you want to be the next president? It would be another historical event this coming presidential elections.

Bayani is the first one I heard who is planning to be the president. He is an engineer. Former President Ramos is giving a hint that their bet is an engineer. Quite intriguing indeed.

Manny Villar is a really rich man and quite a business man. What possible things can a rich person do to our country.

Do you think Erap would run again?So much for the presidentiables. Who do you want to be the next leader of our country?

Rich Dad Poor Dad

Rich dad poor dad is the book I would recommend to be one of the basics of personal finance. The why we want you to be rich is also good for starters. What I love about the first book is the mental preparation for being rich. Also, it explains the importance of financial literacy, power of corporation and other business topics.

It starts with an introduction by the author explaining the differences between his rich dad and poor dad. He stresses the mental views and the words used by each dad. Both dads agrees that education is important but of different subjects especially concerning money.

He also stressed the financial habits of he middle class lacking financial literacy. Why they wonder they get so much in to debt. About the power of corporation, there are a lot of advantages of a corporation that an individual could not have especially on taxes.

This is a great book for starters. Preparing the mentality befor going to the how is very important. A great source of inspiration, too.

Wealthy Philippines

Wealthy Philippines is topic in my yahoo group. It talked that a lot of foreign investors own our resources and that we should be ashamed if we ever enter buildings in our country owned by foreigners. And also even if we are rich, we couldn't be much proud because we came from a poor country.

Hello people,

As much as I love this topic it really bothers me you guys talk a lot. If anyone of you have read Rich dad series books, you'll find a lot of answers to your problems-including our country's problems. All we want is to help people get out of poverty. We don't have much control in politics, but we can have a lot of control if we are businessmen. In business, we help ourselves and others while playing by the rules set by the government for BUSINESSES. Everyone of us knows that TAX LAWS for corporations is different from those for individuals or employees. And a lot of TAX ADVANTAGES are given to corporations and other businesses.

And about foreign investors taking advantage or owning our resources is not something to be concerned about. MONEY has no NATIONALITY. We should all be happy if they invest in our country because they are the once taking the RISKS, not us. Although, they do become richer but what do we LEARN here? These investors know how to MANAGE RISK. And it's because not much filipinos know how to do big businesses that's why not much filipinos own business in our own country.

The solution I see here is learning to manage risk or learn more about FINANCIAL LITERACY. POVERTY IS A FINANCIAL PROBLEM. And a financial problem should be solved with a financial solution.

Let's all grow up. And growing up means STOP DEPENDING ON OTHERS AND BE INDEPENDENT.

Ludwig

What do you have to say about this guys. Let's hear that steam in your head.

Blaming as an Excuse

Time to stop blaming all on Arroyo is a post in one of my yahoo groups that really got my attention. And this is what I replied to it:

To stop blaming all on Arroyo is a really great idea. It's a great step to improving and helping our country.

Blaming others deprive us from growing. Doing so gives the person blamed the power to improve oneself. By first looking at ourselves, what things we are doing wrong and things we can do to make things right, we give ourselves the opportunity to be wiser.

If we make a mistake, then we blame others, we lose the potential to grow. Blaming is almost like an excuse. Instead of making excuses that we have a lot of problems because the government is corrupt, companies and capitalists are greedy, and our neighbors are luckier than us; we should think that we are missing something big time. What are those things that we are missing?

One of the things I discovered that I have been missing is taking financial literacy seriously. I realized no matter how highly educated a person is but lacks financial literacy, the chances that he wouldn't have problems later in his life is very slim. And we lack people who has such literacy. And these highly educated people would then depend on the government or company they work for. And thus contributing to the problem of our country.

I wanted to be part of the solution of the problems our country are facing and will be facing in the near future. And investing in my financial literacy is the way that I choose to be a part of it. I aim to spread it and do my best to win.

Ludwig

Reactions on this one would be greatly appreciated.

What OFW's can do

This is my reply to a topic posted in one of my yahoo groups. It was written by Alex Lacson. He has a book, 12 Little Things Every Filipino Can Do To Help Our Country. I haven't read it yet and I think it's a very sensible book.

Re: 10 Things Pinoys Abroad Can Do To Help Our Country

Great article, I thought you'd never mention about investing and being
business owners. I really was looking for those then I found it at the
later part. I was almost disappointed then you mentioned Rich Dad Poor
Dad. I really think we lack entrepreneurs in our country. REAL
ENTREPRENEURS, not just self-employed men who think they are business
owners. Anyway, I'm glad a lot of people are now emerging to spread
financial education instead of just protesting on the streets and
resorting to arm struggle. Although we still need some people who do
protests and identifies problems for us and make our life easier
understanding what the government were doing wrong. The problem is,
there are a lot of them than people like us-people who has endeavors to
spread financial literacy.

Let's not just be ducks that quack, we need a lot of eagles that fly.
Let's help ourselves and not depend on government and others to take
care of us.

I'd love to hear for your comments on this one especially if you have read his book.

BPO, Tourism & OFW Remittances

The government hopes that business process outsourcing (BPO), tourism and OFW Remittances would help our country financially. It is good to take these advantages and ride over it. If I were to ride on these I'd be opening up bpo and tourism businesses.

I would encourage you guys to not just be employees but also businessmen. Having a lot of businessmen means having a lot of options. And options are what we want. Not only would bpo, tourism and ofw remittances be our sources of income.

Having only three main sources is not much of a diversified portfolio. Its time to mind our own businesses guys. Let's all join the game of money.

Why We Want You To Be Rich?

One day I just wanted to buy a book and I decided i buy a book about personal finance. I admire Donald Trump so much that is why when I saw the book "Why we want you to be rich" I didn't hesitate to buy it because aside from Donald, Robert Kiyosaki the author of Rich Dad Poor Dad was also the author. And so, this journey begins.

I think I got my entrepreneurial spirit from my mother. She started sellin avon when I was in High School. Although she's not much of a big time business woman but she does business naturally. People even say she's really born a businesswoman. Her parents were actually, also, businessmen. They had a major financial setback when my mother was about 8 years old (I guess). They still had the farm but it no longer generate adequate income. And so my mother ended up as an employee.

What I knew about my father's ancestral roots is they are also businessmen. But my grandparents was more of religious leaders. And so my father also ended up as an employee.

What really got me in the world of money is in networking or MLM. It really got to me that retirement plan isn't enough. I got into this when I had my first job. But eventually, I got tired of my team.

It got burning again when I bought the WHY WE WANT YOU TO BE RICH book. What I want is fun and control. So if you don't want to miss the fun, get into the MONEY GAME!

Philippines in not one of the top 10 poorest

Here's the reply I sent to the topic "Poorest countries in the world: Top 10" in one of my yahoo groups. Some members think that even if we didn't make it to the top ten, and I'm not hoping we would, we're still a poor country because of the issues of corruption, brain drain and all other negativities you can think of. But there were members also that were optimistic and proud that we're not one of the top ten. They are proud and think that we are a very rich country. I'm not saying I'm one of any of the opposing cluster because for me, my market is the world. Read on with my reply to the topic:

For me it doesn't matter if we are the poorest country in the world as long as it's DEVELOPING. As an aspiring investor, from reading a lot of books about business, it's good to seek for developing or growing countries. You get a lot of gain when a starting company booms unlike investing on an already successful one. Anyway, even if you live in Somalia and you are happy (having a lot of money in my case), then it's better than living in first world and you're unhappy.

Bottomline, just do your best to cope up with the hard times and always give your best shot wherever,whoever, and whatever you are. Choose the battlefield you are good at.

Your ideas and reactions on the topic, that I really want to know.

Honest president or entrepreneur?

It still amazes me, a lot of people still think that a president can make a change to a country. If you are a citizen you better not count on anybody to take care of you-or your country. No single person can handle everything. If one person handles everything, he would eventually lose all the energy to go on.

Prosperity is measured by money. If there were no Tan, Ayala, Sy and other entrepreneurs, our country would still be struggling. Politicians just make the rules, entrepreneurs play by the rules. Yes a president can affect the business sector which supports the economy of the country. But businessmen are smarter than politicians. Politicians may have a lot of money but entrepreneurs get their money through blood and sweat-and even through helping a lot of people.

Therefore, if you want change, invest in yourself. Invest in your financial education and habits. We need a lot of entrepreneurs in our country so that fellow countrymen leaving us would lessen.

Frustration and Power

I learned a lot while studying and reading a lot about business. It's so great sometimes its so overwhelming. Aside from sometimes you might think you can't do it, you'll also come across with arguments from your friends and loved ones because of conflicting ideas. Then frustration sets in. Others just give up and forget about what they dream. Others couldn't get over for a long time that they become irrational. There are also others who would even want to die!

Frustration is a great motivator. It's a very strong emotion that equals love so passionate it could even move mountains. That is why, for me, frustration is power. But with great power comes with great responsibility. If you do not control that power, it will control you. That is why a lot of frustrated people just go on and let that feeling set in that it bores a hole in their chest. Negativity all over their surroundings just seemed normal.

One of the ways Donald Trump suggests to be successful is focus on the solution, not the problem. With this negative energy so strong combined with control over it and focus on the solution, anything is possible. Yes maybe for a time you can entertain that frustration and see yourself as pitiful but it could be poisonous if you can't control it. That negative energy is a SOURCE of energy. That is why I love being frustrated!

Whenever I feel down I try to know what makes me feel that way. And then I realize I'm frustrated. Then I get excited. It's simply because I know I have added supply of energy. It's the DRIVE that makes me excited. And when you are excited you got enthusiasm and passion. And so, get frustrated, get energized, and get GOING!

My heroes, my inspiration

My first business hero is Donald Trump. Next is Robert Kiyosaki. Then I heard a lot about Robert's idols. I began to be curious why Robert likes Warren Buffett, Peter Lynch, Ray Kroc, George Soros and many more. That is why next to Robert are Mr Buffett and Mr Kroc and other big men that Robert idolize. Furthermore, I started to look for local big men. There's John Gokongwei, Henry Sy, Ayala, Caktiong and so much more. And so the list goes on and on.

Donald Trump is the man! I admire his strong will and authority most of time. His being straightforward and his habit of short sentences. "Think big" and "You're fired" were classics. I first heard about him in his famous television show The Apprentice. Then I read about him in the Reader's Digest giving tips on how to be successful in a career as an employee. I'm really a big fan of him that I really bought his book TRUMP: Art of the Deal and the book he recommended Art of War by Sun Tzu. I really dream of building a tower just like he did.

Robert Kiyosaki is a humble rich man. He is the famous author of Rich Dad Poor Dad. What I admire of him the most is his sincerity to teach the world about financial education. Which is very relevant nowadays because of shortage of business tycoons all over the world. And I wish to be one in the near future. I learned a lot from his books and very much inspired by them. His continuing passion for financial education gives me a lot of energy to go on and pursue my dreams.

Warren Buffett, Ray Kroc, Henry Ford, Jach Welch, Lee Iacocca are extraordinary men that successful and perhaps historical at global level. They are my foreign idols and I continue to read more about them. It just amazes me when I could actually read about them in newspapers and magazines today. They are like living history at its best. Gockongwei, Henry Sy and all others are my local idols. They too I consider global great men. I search and learn more about them.

My idols bring me back to my college days where I was at my peak of being a dreamer and a vissionary. I was so philosophical back then that it came to a point that I was so diplomatic and almost lost my sense of humor. When I graduated and experienced the real life in the office I began to be more practical and lost those dreams of serving my countrymen. Not until I bought my first business book when the flame sparked again. These men showed me again what it meant to be a Human as a Historical being. One can live ordinary and just dream. But one of the characteristics of a person is his capacity to make history, and thus a historical being. Those college and work experience mold me to who I am today. A not so naughty business-minded person and just a bit of heart for the poor. Just a bit for the poor...for now because I'm not yet a big guy who can move buildings and mountains as if they were just pieces of a play puzzle.

Ludwig

Comments from my workmates

It's good to hear a lot of comments from my workmates about me dreaming to be rich. Here are some of the comments they give:

"I could see that you're going to be a very rich man in the future."
"Don't ever forget us when you become business tycoons."
"I learn a lot from you."
"You know a lot about business."

...and a lot more.

For me, I still know too little about business. Right now I am in the THOUGHTS process which is one of the processes THOUGHTS-ACTION-RESULTS of Robert Kiyosaki. I recently finished my RESULTS which was what I learned in selling indigenous products. I'm still reading and planning on my next venture as of the moment.

Business Partners

I managed to have some business partners aside from the one very close to me. I had partners in my workplace and we made some plans. The first plan, ID Making didn't push through then we come with another venture. We sold indigen products which I think was a bit successful. The objective of our activities was more on learning how to sell.

That's what I have done so far. As of now, I continue to read and research on the subject.

Being rich is reachable

Being rich is reachable
by Ludwig Rosete

There are a lot of things I learned from my business book. Things like the entitlement mentality in America, rich people think differently from the poor and middle class. It opened my eyes to a new reality. Reality that being rich is reachable.

I learned that the entitlement mentality is the problem in US and also here in the Philippines. Entitlement mentality simply is our behavior wherein we expect the government and the companies we work in to take care of us. Although I'm not against customer service but if you hear stories from call center agents, this behavior is so evident. A lot of people think they should be served by others and taken care of.

The worst thing about this entitlement behavior is that a lot of people depend on the government and companies they work for to take care of them including retirement. Others also depend on professionals who claim to be financial experts when they are not really investing to what they are selling. What is bad about it is that people believe it is 100% safe.

The solution is independence. Invest in oneself and learn how money really works. And the best thing about learning is we keep on growing and feel young. A lot of realities are going to open up for all of us just by exploring new things. New things like financial literacy.