The Right To Money!
Poverty
is a curse.
Whatever may be said in praise of poverty, the fact remains that it is not
possible to live a really complete, happy and successful life unless one has
money. Even god
said poverty and lack was a curse which was to come upon the people of god
because they failed to keep his commandments and his statutes. Poor
people experience starvation and are malnourished. They are weak people;
illiterate people; houseless people; beggars; wearing rags; and their life is
not secure when they are old and ill. Poverty means mean more crimes, health
problems, ignorance, etc. Poverty is
indeed a curse. All humans deserve
freedom from want. Poor people are uncultured. Poor people are cursed people.
There
is nothing is appalling as being old and broke, young and broke, single and
broke, or married and broke. Poverty is the state where I cannot meet my needs,
and my needs are education, giving,
shelter, emergency & insurance, transport & communication, food &
drinks, entertainment, household furniture, fixtures & appliances, clothing
& hygiene and saving-2-invest. When I cannot meet these, then I am poor.
It
is neither humble nor stylish to be poor. Some ‘faithfuls’ think that god inflicts poverty upon his children so
that they will live a life of humility. But I do not have to be broke in order
to be humble! Over the centuries, a tradition has developed within the
religions that poverty is god's way for his children. That is a lie straight
from hell! God will never put me in the pit of poverty to make me humble. God
does not work that way. God wants us
rich. God wants me rich. God wants me prosperous. Why else would he create me?
To be poor? A true believer cannot be poor. I wonder how the poor people survive! I will not let anyone talk me
out of this. Any kind of poverty is bad: material, intellectual, emotional or
spiritual. Every bodily disease is due to bodily poverty: of the blood, of
nutrition, of elimination, of coordination. Money poverty is bad. I do not have
to be a money worshipper to believe that I cannot lead a decent life without
income enough to get me comfortable clothing, wholesome food, a sanitary
habitation, and the saving bits of culture and leisure. It is perfectly right
for me to want money enough to secure a reasonable independence.
Many
say that they are against the 'prosperity
theory'. They say they do not want anything more than what they need! That
is 'selfishness' because they cannot
then share with the ones that need help. How am I going to feed the poor if I
have just enough to feed myself? How can I give alms that I do not have? No one can give what he does not personally
possess.’ how can I give if what I have is only enough for me? The best thing I can do to the poor is not
to be one of them. If I would lift someone; I must be on a
higher ground.
Lack of money is the root of all
evil. Even though money is not the key to happiness; the
more money I have, the easier it will be to get the key made. With money in my pocket, I can buy peoples
effort to do what I hate doing; and hence ‘buy’ more time in my life to do what
I love doing; and this will make me happy. It is true money is not everything,
but again, nothing is everything. But money is the best foundation to moving
towards everything.
Poverty resides in the mind!
Today, I must remove the poverty mentality! Poverty
is a manifestation of a mind that does not see opportunities. A poor mind
results into poverty. Poverty, just
like prosperity, resides in the mind, and what we see, lack of food, clothing,
medicare, tattered clothes, is just a manifestation of the poverty. These are
symptoms of poverty. If I want to become rich, I first become rich in my mind.
After all, as the man thinketh, so is he.
The rich people use money every day,
but so does the poor people. But the rich man earns money all the time, unlike
the poor man, who either does not earn money, or earns money intermittently.
Poverty is not scarcity or lack of money, land, or property; poverty is the
manifestation of lack of ideas to make use of what we have. If poverty was lack of money, then aid to
africa would have solved africa’s poverty; then grants to poor people in
villages would have helped them. Poverty is not lack of resources, or lack of
opportunities, no; poverty is the failure to use the resources or
opportunities. The greatest capital is
the head, and the head ought to think. The word capital, originates from caput,
the latin word for head. We are
all meant to be rich, but poor people think like chicken, yet they want to fly.
If I am a hawk, and I think like a
chicken, I will never fly. Poverty comes from the mind, and so does
prosperity.
Money
makes me rich, financially secure, financially free and wealthy! Riches are financial and material
possessions or property. When I am rich, I have enough financial and property
resources to satisfy my needs. Financial
security, on the other hand, is when I am able to meet my needs from the
money I personally earn directly by
exchanging my time, effort and skills (set). This is called employment, and includes
self-employment. This is common in employment, where my salary or wages can
meet all my needs. This is called linear
or active income. Financial freedom
is when I can meet all my needs without exchanging my skills, effort and time directly. I am financially free when I have
assets which bring me money without me having to directly work. Financial
freedom is the state where I indirectly
earn money to meet my needs. This is passive
income, and not active or linear income. Wealth means, well being. When I am wealthy, I have complete and
total well being in my physical, spiritual, emotional, intellectual and
social-cultural life. In essence, I am wealthy when I can do the following
eleven things comfortably: be happy;
have relationships; have riches; have adventure; have peace; be
spiritual (help); be healthy & fit; keep positive attitude; manage my time; enjoy my career; and set & achieve my goals.
I
can be rich, but not wealthy; however, when I am wealthy, I am also rich.
Indeed, financial independence is the
pillar of a wealthy lifestyle. The goal, hence, is not to be just rich, but
to be financial independent, and then use the money to make me wealthy.
Money is the constant-k!
Money
is the one factor in life that is constant. We all need money, and what it
buys, whether I am light skinned and I am dark skinned; whether I am young and
I am old; whether I am male and I am female; whether I be tall and I be short;
and whether I am good looking and you, a mean looking guy; we all need money. When it is a question of money, everybody is
of the same religion. Money truly is the common denominator. I can do
without a wife; indeed, I do not have to marry or have children in life. I do
not have to go to college or learn a foreign language, and neither do I need to
profess any religion at all, but I need money. I must have money! Money is power; money is freedom; money is a
cushion. Money is companionship and friendship. Even love needs money. Love is not a necklace, or bumper sticker to
be displayed; love must be proved, and it takes money to express love. Riches
make many friends, but the poor is separated from his friends. The rich never have to seek out their
relatives’. Money is the sum of all blessings; indeed, money is the measure
of blessings. It is no wonder god’s best friends have always been very rich and
never lacked. Anyone who goes to church, mosque, or temple every so often, and
is poor, should stop, go back, and make money.
Money,
though not everything, is an important part of everything; the most important
part of everything. Money is like a sixth
sense - and I cannot make use of the other five without it’.
Truly,
money gives options. Having money will make me live by the golden rule, ‘those who have the gold make the rules.’
with money in my pocket, I am wise and I am handsome and I sing well, too’.
‘money is good. I deserve to be rich.
Anyone
can be rich!
In fact, all of us can be rich. There are women who
are rich and there are men who are rich. There are single parents who are rich,
and married people who are rich. There are thin people who are rich, and fat
people who are rich. Indeed, there are professionals, be they lawyers,
teachers, or engineers, who are rich, and people with no professional
qualification who are also rich. Yes, there are black people who are rich, and
white people who are rich. Indeed, amongst the residents of a particular town,
city or village, there is a rich person, and of course, a poor person. All
these confirm one important truth. There is no limit on the number of people
that can be rich; just as there is no limit on the number of people that can
breathe air. Everyone can breathe air. There is enough to go around. It is not
necessary that some people should be poor, in order that others can be rich. We
can compete to be rich, but we do not need to compete. Competition is based
on the idea that there is not enough to go around. This is a lie. The idea
of limited supply is a lie. There is enough water, air, land and other
resources to satisfy all our needs. Anyone can be rich!
Being rich is a result of certain actions precisely
carried out. ‘there
is a science of getting rich, and it is an exact science, like algebra or
arithmetic. There are certain laws which govern the process of acquiring
riches, and once these laws are learned and obeyed by anyone, that person will
get rich with mathematical certainty.’ becoming
rich is a three-step process, codified in I
Am A Network Marketer: Ojijo’s Network Marketing Guide, as 3ds, namely:
decide
(i need to decide I want to be rich);
determine
(being rich is about acquiring money, and the
money I want is in someone’s pocket, so I need to determine what value I will offer to obtain the
money; in other words, what will I sell?;
deliver (after
deciding to be rich, and determining what I need to sell, I need to sell it,
this is the delivery of the product to someone who needs it).
‘money is plentiful for those who
understand the simple laws which govern its acquisition.’ today,
I will be perfectly honest to myself with regard to money and to the amount I
want to acquire in life. Anyone who says
he is not interested in money will lie about other things as well’. Pretending
that I do not care about money when I really do will only make me unhappy. ‘i lie the loudest when I lie to myself.’
I will write the amount of money I want to acquire; the date I want to acquire
it; and what I wish to give in return to acquire it.
Money is an expression of value,
when I create value, the universe naturally reciprocates with money.
‘i am the captain of my ship and the
master of my destiny.’ as I start my journey to be rich, I will recall the
5ps of success: prior planning prevents
pitiful performance. I will plan. In the future I will say one of the two things,
‘i wish I had’ or ‘i am glad I did,’ but I make that choice today. The
best way to start is to start; the best time to start is now; and the best
place to start is here.’
There
are nine ways of acquiring money. I can receive a free gift: inherit; beg; borrow
it; steal it (god forbid); win it (competition); marry into it; sell my skill, effort & time-s.e.t. (employee, self-employed); or create a money making machine -3m (investment, big-business, network marketing
organization). A money making machine is a system; a machine, which keeps
earning money all the time, even when I am not working. A machine can be
inherited by my loved ones so that there is security in my life and my family,
whatever happens. And the bible says of worldly possessions, ‘a good man leaves inheritance to his
children’. It is a system that can bring me money even when I retire and
stop working. A system that is self sustaining and that will run without me.
With such a system, ‘success will never
be final.’i need to find a machine, and join it, a networking machine, a
company, or an organization. But if I
cannot find one, then I must found one. The machine will allow me to employ
people, so that I have more hours than ordinarily, and then I can leverage my
time and effort, and then I can be truly financially free. once the machine is
created, money will come, after all, ‘money
is attracted, not pursued.’ indeed, money
runs towards more money; and away from where there is little money. ‘money makes money, and the money that money
makes, makes more money.’ I need a
money making machine, today!
There are four classes of people in
the world. These are noted below in the ojijo human freedom quadrant. Of these, the rich ones are the
ones with the money making machines.
The ojijo human freedom quadrant
|
Busy
& Broke
No Time;
No Money
Employees
& Self-Employed
|
|
Time; No
Money
Idlers
|
|
No Time;
Money
Top
Executives; Senior Politicians
|
|
Free People
Time;
Money
Investors
|
The
first class has neither time nor money. They are busy & broke. They are the small business owners and the
employees. Both work for money and for security. The employee’s core value is
job security. They do all things possible to secure their jobs. In the end,
they give their employers all their time and their effort, and get little
money, leaving them with no time and always broke; for eternity on a rat race.
The self employee’s core value is doing it themselves. They believe they can
earn more that way. They end up working
long hours with little rest and almost no time for their families and other
social obligations. They become prisoners of their own self built cages, and they
end up having neither time nor money. I do not want to be like them.
The
second class has time but not money. These are the idlers, and I do not even
want to be associated with them. They do not deserve to take any more space in
this serious article.
Then
there are those who have money but no time. This is the third classification of
people. They are the key politicians and the very busy businessmen and top
executives. They have all the money but are constantly busy, left with no time
to be with people. They earn a lot, and are given promotions, but they pay with
working overtime, till late in the night and over weekends. To them, their work
is their life. They receive phone calls at home, they fire and hire employees
on holidays, and their best jokes are about their office work. Who wishes to be
like them? Not me.
I
want to have both time and money. I deserve time and money. The fourth class of
people falls in this category. They are the 1% who have both time and money.
They are free. They mind their own businesses. They invest. They look for a
problem, and devise way of solving the problem in such a way that they get
paid, and then they institutionalize the solution into a corporation, a machine. They are entrepreneurs. They have big
companies which employ people, and they have their money being invested in big
companies, stocks and shares, bonds, notes and mutual funds; all to bring them
more money. They create a machine; a system; a money making system.to be in
this class, I must use money to get money. I must risk my money in the initial
deal, the initial asset. If I am afraid of losing money, I will never make
money. Every rich man has lost money sometime. It is like so in every form of
life pursuit. There is no golfer who never lost a golf ball. All lovers have
had a heart break. No child walked without stumbling and falling.
Today,
I will start my shift from the class of idlers, employees and self employed,
where I work for security and for money, to the class of big business owners
and investors, where my money works for me; today, focusing on and building my
money making machine will give me the purpose to work smarter and become a
better employee since the harder I work, the more I earn; and the more I can
invest in my assets. I will work harder so that I can accumulate more assets
within the shortest time. If I want to stop being an employee, I must work
harder; smarter, not less. Once the machine is created, money comes easily and frequently. The
money making machine will be my pipeline; a system that will bring on-going
income such that as long as the ‘water’ flows through, I will be earning. The
rich have pipelines, no wonder the saying goes, ‘the rich get richer.’ a corporation is the system which will make
it possible for people to work for me, so that I can leverage off their effort
and their time to be rich. ‘i would
rather have 1% of 100 people than 100% of my own strength’. I need to do the hard work of
building the system today, so that tomorrow, I will just earn.
I
can create this machine in two easy, entrerepnuership & investing:
1.
Investment: investment is the science of money making money. To
invest, I exchange the money I have already acquired for an asset, and then I
let the asset increase in value, either through value addition, or holding it
for a period of time. I have various options of making my money to make more
money for me. These options are referred to as ‘investment vehicles,’ or ‘investment products’, which is
just another way of saying ‘a way to
invest.’ each of these investments
is something I purchase or place my money into in return for the interest that
is generated over time and paid back to me. These vehicles are grouped
according to the type of asset invested in, and ojijo, in his classical and all time
best-seller, making my child financially intelligent: money lessons by
age group (from 3-13yrs), classifies the
investment vehicles into three broad categories, namely, personal branding or self-help; traditional assets or financial instruments;
and alternative assets or alternative
investment products. In addition to
other excellent books written on the subject, I can also read ojijo’s talanta:
ojijo’s
guide to identifying, developing and selling my talents & career skills, which has practical exercises to help
me identify, develop and commercialize my talents and skills. And a practical
book to read for further knowledge in investing in financial instruments and
alternative investment a product is invest:
ojijo’s guide to financial instruments & alternative investment products.
2.
Business: a business is
an activity that involves me selling a product and earning profit. The product
(a good or service), can belong to another entity, in which case I sell and
earn commission or I buy and resell; or it can be produced by me. Although many
people initially consider this option, they soon learn that it requires a major
input of skills, time, effort & money (s.t.e.m.)
Which they do not have. Research does however suggest about 80% of small
businesses fail within their first year. A further 15% will fail within 5
years. Out of the 5% left very few will be around for another 5 years.
Additionally, I must have the five essential skills of entrepreneurs listed in sell something: ojijo’s guide to
entrepreneurship & raising capital. These are skills of investment; leadership & management;
personal & business financial literacy; marketing, sales &
distribution; and product
development. However, with a thick s.t.e.m. (alot of skill, time, effort & money), a business can be
financially rewarding. A corporation will wrap its wins around my assets so
that when I earn, I spend first before I am taxed, instead of being taxed
before I spend. I will start building a company or I will join a company as
owner or partner. The company is the
machine.
Money is right, a human
right. Having money is a fundamental
human right. It is glorious to
get rich. The social movement that inspires people to love and acquire money is
called the money rights movement also
referred to silver rights movement. Money makes life easier.
Ojijo. author of 31 books, public speaker and coach, ICT lawyer, luo culture expert, performance poet, armature pianist, feasibility study and financial projections expert. ojijo@allpublicspeakrs.com. +256 776 100059.
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