If You’re Broke Or Struggling Financially, Follow These Steps To Change Your Financial Situation Take care.#Best Education Page #Online Earning

 Hey, this is Stefan from projectlifemastery.com, and in this video I wanna talk to you about

how to change your financial situation.

So if you're watchin' this right now and you're broke and you're struggling financially, then

this is probably one of the most important videos for you to watch.

I really hope that you watch this to the end, you watch it again and again, and most importantly,

that you actually apply what I'm gonna share with you, the advice, the recommendation,

and the steps that I'm gonna advise for you to do, because a lot of what I'm gonna share

with you are things that might be different that what you're doing right now.

And that's a good thing, because if you're broke and struggling financially then what

you're doing right now is not working, 'cause what you've been doing has gotten you into

a financial situation where you can't afford something or you can't invest in yourself,

or you can't, you have to say no to certain opportunities that come up that can change

or improve your life for the better.

And so you should never be in that situation to begin with, because if you're broke and

struggling and you can't afford things or you don't have money, and I get a lot of people

that send me messages and emails and they say, "Stefan, I'd love to invest in this course,

I'd love to change my life, I'd love to do this or that", but they can't because they

don't have money.

They can't afford it.

And that's sad, because like I said, you're missing out on a lot of opportunities that

could then improve and change your life for the better.

You've always gotta be prepared for that because there will be opportunities that arise that

you've gotta have the financial means to be able to utilize and take advantage of, especially

if you wanna maximize your potential, create financial abundance, build a business, create

a certain lifestyle for yourself.

So if you're broke and you're struggling, then it's telling you a few things.

Number one, maybe that you're young, in which case it might be acceptable not to have money,

because when you're young you haven't yet accumulated enough years of work to be able

to save money and put money aside.

You know, if you're 16 years old and you've never had a job before, then yeah, it makes

sense why you wouldn't have any money.

But if you're in your 20s, if you're in your 30s, if you're in your 40s or 50s or 60s and

you're still broke, you still don't have money, you still can't afford, you know, little things

to invest in yourself, to improve your life or whatever it might be, then that's tellin'

me you're doin' something wrong.

You're either making money, hopefully you are, right, I assume you are, if you actually

have internet connection, you're watchin' this video right now, you have a smartphone

or if you have a computer, you know, you're obviously making some amount of money to be

able to support, you know, and survive and have a certain lifestyle.

It might not be what's ideal for you right now, but you're either making money but you're

not managing it properly.

You're just livin' month to month, paycheck to paycheck.

You're not actually havin' a positive cash flow, and you're not saving your money, you're

not putting it aside, you're not making smart decisions with your money.

And if that's the case, we've gotta address that because giving you more money is not

gonna then solve your money management issues.

You have to first learn how to manage money, 'cause if you can't manage a dime out of a

dollar, you're not gonna manage, you know, $100000 or $1 million if you don't first start

and learn how to manage with a small amount of money.

Or it's also telling me that you've made some poor decisions financially that have gotten

you into a situation of not having money, of being broke or whatever it is.

And maybe you made some poor investment decisions, maybe you've, you know, filed for bankruptcy,

maybe you've gotten a lot of debt, right?

And again, you should not be in those situations to begin with because you should never invest

all of your money into something.

You've gotta have the money management IQ and skills to know that you've gotta have

savings, you gotta have an emergency fund, and you've gotta make sure that you're educated

on how to manage money.

And I'm doing this video because, again, a lot of people send me messages and tell me,

"I don't have money, I don't have money".

And, you know, this is a video that I'm gonna send people to whenever they say that to help

ensure they get on their feet financially so they're not in that situation again.

So again, I really hope that you actually have an open mind because some of what I'm

gonna share with you, you're not gonna maybe like because it is gonna require a change

in thinking, a change in behavior, a change in habits if you wanna get yourself out of

the situation that you're in right now.

It's gonna require you takin' responsibility because, whether you like it or not, if you're

struggling, if you're broke financially, there's no one else to blame for that but yourself.

And I hate to say that, but that's the first step of anything.

You've gotta take ownership and responsibility, 'cause as long as you're blaming someone else,

you're not gonna have the power to change it.

The moment that you take on the responsibility for whatever's happened to you financially,

and you take on that ownership, that responsibility for your life being the way that it is, whether,

you know, maybe you've been in a marriage and you got divorced, you got screwed over,

well you're still responsible for that because you're the one that chose that partner, that

made the decisions that have gotten you to that point that you might be in right now.

So taking responsibility, ownership, that's what gets the power back in your hands to

actually do something about your situation and make those changes.

As long as you're blaming others and it's because of the economy or my boss or my former

employer or my business partner or whatever it is, again, as long as you're blaming, you

have no power.

You have no ownership or power to change your situation to be able to get yourself back

on track.

So accept the fact that whatever decisions that you've made, and maybe not even your

conscious decisions, but whatever you've attracted in your life, and I'm not sure if you believe

in the law of attraction, but you attract and you manifest things into your life based

on who you are and how you show up, your mindset, your attitude.

You know, oftentimes people attract negative people into their life, they attract scarcity,

they attract problems and drama because that's what they're puttin' out there.

You know, you attract what you put out, and you get comin' back to you.

So takin' that responsibility is really the first step, alright?

Now, let's talk about what you would do if you're broke and struggling financially.

And by the way, this is advice that I would give myself, because there was once a time

in my life where I was broke and I was struggling financially, I was living on my friend's couch.

I had credit card debt, you know, I was barely survivin', and I was able to get myself out

of that situation to where I am today, at 31 years old being a multi-millionaire.

And it's because of these steps that I went through, and I wish I knew them a lot earlier

because I would've gotten myself out of that situation a lot faster, and the reason why

I was in that situation was because of the decisions that I made.

And it wasn't 'til I took that ownership, that responsibility, I said, "You know what,

I got no one else to blame but myself.

You know, I've made these decisions, and now I'm the only person that's gonna be able to

change this and I can't expect anyone else to pull me out of this".

So I created a plan for myself that would get myself out of that situation to be able

to change my life for the better, and that's what I wanna share with you guys.

So I'm gonna write this out for you and give you guys a few different steps of what I would

do and what I would recommend for you guys.

So the first thing, the first thing you need, you need a vehicle for making money, 'kay?

A vehicle for making money.

And a vehicle in the sense of a job, a business, or whatever that might be, for making immediate

short-term money, okay?

So for a lot of you that are watchin' this right now, you're broke, you're strugglin'

financially, my number one answer to you would be get a job.

Okay?

Get some sort of vehicle that can immediately start making you some money.

And I don't care what that is, but it has to be something that can provide for you immediately.

So a lot of people, you know, come to me and say, "Stefan, well I don't have any money,

so I'm gonna start a business".

And oftentimes, that's the worst thing for you to do because a business is not like a

job, where a job you get paid for the hours that you put in.

A business is something that you're putting in time, you're putting in energy, you're

putting in money into something, but you're not getting paid back immediately for it.

Really what you're getting is you're investing into something that has the potential to pay

you back in the future.

So a business, for most people, is not the solution to this.

Before you start a business, I actually recommend that you have a job and you learn how to manage

some money so that you can actually start your business with some money that you can

then invest in your business.

You can invest in the right training, the right education, and really start it off the

right way so that you can really succeed and prosper the best way possible.

So the vehicle would be, you know, getting a job.

It could be a business if you already have one, but again, that's only something that's

already providing you money.

Immediate cashflow is what you need, okay?

You're not gonna get rich quick, alright?

If you think that, "Hey, you know, if I buy this course or if I start selling on Amazon,

whatever, next month, the next 30 days, I'm gonna make all this money and solve my financial

situation".

It's not gonna work like that.

It can take a long time before you really start makin' money in a business, and especially

to profit from it.

So keep that in mind and understand that.

Now, you might already have a job, you might already have a business.

The business could even be like a freelance business where you're getting paid, maybe

you get some clients and you're doin' some freelance work and you're gettin' paid for

every job that you do or every contract, great, okay.

But that is something that you need, and if you don't have a job, you gotta get one, okay?

And beggars can't be choosers, so I don't care if it's workin' at McDonald's, I don't

care if it's, whatever that you can get for now, no matter what amount of money that it

pays, take that as a way for you to make immediate money, okay?

And especially if you're in that situation where you're, you know, broke and struggling,

you've gotta get something going.

And it might not be what's ideal.

That's okay, but at least get a job.

If it's at McDonald's, great.

You're makin' minimum wage.

Do that, but simultaneously, maybe you could be looking for a better job and a better opportunity

that could make you some more money that is more ideal for, you know, being able to help

yourself get on your feet financially.

So that's what I would do.

I know for myself, I did physical labor, I did construction work when I was broke and

I was struggling.

And I hated every minute of it, you know, havin' to go on job sites, and I was doin'

demolition work, I was doing insulation in buildings and drywall and painting and all

those things that, you know, I'd have to get on the train and go an hour at six o'clock

in the morning, and I'd get, you know, be covered in sawdust and dirt, and you know,

I'd be all day working, physically exhausted, and then I'd come all the way back home on

the train, and I'd repeat that same cycle every single day.

And the benefit of doing physical labor was I was actually able to make a little bit more

money.

I think I was making about $20 an hour, because you can often get more for doing trade-type

work like that.

And that was perfect for me because it allowed me to have a vehicle to make money, it allowed

me to put money aside, to save money and help myself get back on my feet financially.

So when getting a job or a business, whatever it is, the main goal is to make money.

It's not doin' your passion, it's not doin' what you love or anything like that.

It's just primarily to get yourself out of the situation that you are right now, to get

yourself back on your feet financially.

I know a lot of people, what they do, a lot of friends, that they'd go out and they'd

work on the oil rigs.

You know, there's oil rigs here in Canada, different parts of the world.

They'd go out, it's brutal, tiring, exhausting work, but they make a lot of money by doing

it, and they're doing it maybe for a few months so that they can make a lot of money and then

be able to quit or they get some time off.

They then take that money and they're back on their feet financially, they can make some

smart decisions and not have to go back to that.

So understand, you are gonna have to make a sacrifice.

And it's a short term sacrifice, it's small price to pay, but you know, this what you're

gonna have to do to get yourself out of the situation that you are in financially.

Now, if you've already got a job and it's still not enough for you, maybe you have to

get a second job, maybe you've gotta get a third job.

Maybe you've gotta start lookin' for jobs that can pay you some more money, okay?

And it's not that hard to get a job.

So I don't wanna hear an excuse or a story or a reason about why you can't do it.

There are 16 year old kids getting jobs.

There's billions of people around the planet that have jobs.

So if they can do it, you can too, okay?

You have to learn how to be resourceful.

You have to learn how to, you know, figure things out and have that persistence, have

that drive, and say, "You know what, I'm gonna go out and get a job, I'm gonna add value

to another business, another company, or I'm gonna improve myself so that I have more value

that I could then provide to a business or a company to make more money".

Maybe you've gotta improve your skills, okay?

Maybe you've gotta improve your value in order to get paid more money with it, okay?

But whatever you can get for now, start there.

You have to have an immediate source of income.

That's step number one.

Nothing else I can share with you is gonna work for you unless you have that, okay?

Step number one.

Step number two, is you have to learn how to manage your finances.

'Kay?

You have to learn how to manage it, because here you're making money, but what you do

with that money is really the most important thing.

Now, for a lot of people, they make money, again, if you're watchin' this right now,

you probably have a job, you probably have some sort of stream of income in your life.

But if you have that and you're still not able to save money or invest in money, or

you just don't have money to put aside or do certain things with, then that's telling

me that number two's your problem.

You're not managing your money properly.

You don't manage the money that you have.

Well, you know, maybe you make $2000 a month but you're spending all $2000 per month for

your lifestyle in order to live, or maybe it's $5000 or $10000, whatever the number

might be.

Maybe it's $1000.

Whatever that is, if you can't afford to save money and put it aside and you're livin' month

to month, paycheck to paycheck, then that's tellin' me, again, that you're not managing

your money and you're not making sacrifices.

You're actually living above your means or on par with the amount of money that you make,

and not below.

So here's the key when it comes to managing your finances.

I'll give you a few keys, actually.

Number one, you're gonna track, so number one, you're gonna track your income and your

expenses, 'kay?

You've gotta know this.

I used to have a ritual where, every single week, so I'd pay everything through credit

cards or my debit card, and then what I would do is, every single week, I would go through

my bank accounts, I'd go through my credit card statements, and I would keep a spreadsheet.

And in that spreadsheet, I would track my income for that week, for that month, I would

track that in the spreadsheet, and then I'd also track all of my expenses.

And I'd just go through my bank statements, my credit card statements, and I'd categorize

it into different areas.

So I would categorize and say, "Okay, this is what I'm paying for my expense of my rent

every month, this is what I'm paying for my car payments or my bus pass or my gym membership

or my cell phone or my internet or my utilities bill or entertainment or eating out or groceries

or food".

All that stuff, I would track it.

And by doing that every single week, it would help me learn to see where I'm spending my

money and ensure that I'm actually spending less than what I'm making, less that what

I earn.

So you have to have the awareness, 'cause that's really what tracking does for you.

It gives you awareness, it gives you power.

You feel empowered that you know where your money is going.

And that changed my life, just by doin' that.

Because what I was doin' before is I wasn't tracking, and so I'd end up spending more

than what I was making and I'd put that on credit cards, and then before you know it,

I was in debt.

And when you're in debt, it can be harder to get yourself out of that situation, especially

if it's high-interest debt.

So tracking is something you gotta do.

And, you know, it should be pretty easy for you to do, you know, 'cause probably, right

now you don't have that many income streams or that many expenses.

You know, for me, as my life has grown, now I've got thousands of income streams and expenses,

'cause I run multiple businesses, and I need a bookkeeper to help me with all of that.

But this is something you can do yourself.

Set up the spreadsheets for it.

Track, know exactly where you're money's goin'.

Now, once you know what your income is, what your expenses are, you're gonna have to budget.

You are gonna have to make sacrifices, as I said.

That means you're gonna have to cut out expenses, because if you're livin' month to month, you're

doin' something wrong.

That might mean, you know what, you've gotta downgrade.

You've gotta downgrade your home, 'cause a lot of you might be living in homes that you

can't afford.

One thing I had to do, like I said, is I moved in with my friend and I lived on his couch

in his living room, on his futon.

And I paid $300 a month for that as a way to save money, to make a sacrifice.

Now, did I enjoy that?

No.

That was embarrassing for me.

I was single, I was dating, I was embarrassed to bring, you know, a girl home and show her

where I was staying.

It was very humbling for me.

You know, I had to admit to different people and stuff that I was struggling, because I

couldn't afford to live on my own.

Another point, in my 20s I had to move back in with my mom, you know, and just try to

save some money, or get myself back on my feet for a few months.

Did I want to do that, no.

Was that embarrassing, yes.

But I was willing to pay that price.

I was willing to make that short-term sacrifice because I was focused long-term on where I

wanted to be, and that's what I had to do to get myself out of that situation that I

was in financially.

You might have to sell your car.

I had a beat-up Honda Civic for a number of, like 1989 Honda Civic that was like $1500,

that I had it for.

It actually had to sell that at a certain point and just take the bus, 'cause I can

get a bus pass for like $70 a month.

And I just took the bus everywhere.

And did I want to do that, no.

I'd much rather have a car.

But I had to.

I was, again, focused long-term on where I wanted to go, and I was willin' to make those

sacrifices.

You know, I had to cut out my Netflix subscriptions, I had to cut out, you know, got rid of my

TV and my video games and all those things because I learned that a TV is an electronic

income reducing machine.

The more time you spend just watching TV, you're missing out on opportunities that could

then make you money.

So I got rid of my TV, I got rid of things that weren't supporting or helping me create

the life that I wanted and to get to where I wanted to go.

And you might have to do that.

You might have to sell stuff, too.

I'm sure you have a lot of stuff that you could probably sell, whether that's clothing,

technology, gadgets, things that you're not really utilizing in your life that could help

you get yourself back on your feet financially.

So sacrifices is key.

Making a budget, sticking to that budget is very, very important.

Now, I'm not sure if you watched a video that I did on my YouTube channel on money management.

And inside my Life Mastery Accelerator program, I go more into money management, investing,

I've got a really in-depth that video on that, on how to invest your money and whatnot.

But one the things that I shared that I actually learned from T Harv Eker is how to allocate

your money.

And this is a good formula for you to start with.

This is what I did for myself.

And if you want to, you could even modify it based on your circumstances.

But this is just a good template, a formula for you to follow.

So when it comes to managing finances, whatever amount of money you make, again, you gotta

track that, you gotta know what it is.

Here's how you'd wanna allocate it.

You'd wanna put 55% of whatever you make to necessities, 'kay, necessities.

Necessities are your rent, your home, your utilities bill, your food, your groceries,

your car, your transportation, all that sort of stuff.

That's your necessities.

55%.

Now, a lot of people, they're putting 100% of what they make to necessities.

Huge mistake.

You're not gonna be able to get yourself out of the situation that you're in financially

if you're doing that, because then you're just month to month, not getting ahead.

You're just running the rat race, as they call it.

So 55% to necessities.

And then you wanna put 10% to long-term savings.

'Kay, long-term savings.

This has to be a priority.

You have to save money, you have to put money aside.

And ideally what you wanna do is you wanna build up a reserve, an emergency fund.

That why you should never be in a bad situation financially because, you know, oftentimes

people are in those situations because they didn't put aside an emergency fund, they didn't

have savings.

This is something that you don't spend.

It's something that you reserve for financial crisis, for an emergency, a rainy day.

You've gotta have that money you put aside for that.

So 10% of what you make, you gotta put towards that.

And ideally you wanna build it up to six months of whatever your expenses or income is.

Have six months of your monthly income or whatever put aside and saved for an emergency,

okay?

So you gotta make sure you have that.

That's to avoid, you know, in times where you might lose your job, and in times where

somethin' might happen, you gotta make sure you got that money put aside for it.

You gotta prepare for those things.

Next, 10% you need to put aside for what is called financial freedom.

'Kay, a financial freedom account.

This is for opportunities to invest, to create financial freedom, financial abundance in

your life.

This could be investing in stocks or cryptocurrencies or in an online business.

Some sort of vehicle that can then make you more money in the future and help ideally

make you passive income, passive residual income that can then be on autopilot to continuously

make you more money.

So you gotta put money aside to that for your future, to invest in yourself.

Another 10% you've gotta put towards education.

You've gotta invest in yourself, because how are you gonna really change your life if you

don't have the financial means to invest in yourself, to learn from others, to invest

in seminars, training, courses, coaches, and mentors.

That's really what's gonna get you to financial prosperity.

That's what did it for me is when I realized, "Okay, you know what?

If I just keep livin' in the rat race, I'm not gonna get ahead.

I've gotta educate myself and learn, and by putting money in here, you learn what to do

with the money to create financial freedom".

You know?

So I started learning about online business and selling on Amazon and all the different

things to build my business to where it is today, and I still do.

I put an excessive amount of money into this, and in doing so, it helps me create more financial

freedom, and also improve my lifestyle in other parts of my life as well, 'kay?

So you gotta put money aside for education, for courses, for trainings, or whatever that

might be.

And then another 10% you're gonna put towards fun.

'Kay?

So you gotta have some fun.

You've gotta enjoy yourself.

And oftentimes, you're gonna get more fun out of your life by putting money aside and

then being strategic about how you wanna use that money.

You know, a lot of people just, month after month, they're just spending their money goin'

to the bar, you know, goin' to the club and drinking and alcohol.

And they can't afford that, that's not an intelligent way of using that money for fun.

Maybe there's some other things you could do with that that are really more fun than

just goin' out and drinkin' every weekend.

So you gotta make sure that you put money aside for fun.

This is actually something, for me personally, I decided, you know, when I started doin'

this, I actually sacrificed this area significantly because I realized that I could get myself

out of this situation of being in debt a lot faster by instead putting some of this money

more to paying off my debt or using some of this 10% to more financial freedom or education.

So that's what I personally did.

You know, I was willin' to sacrifice this, but fun is also good because it rewards yourself.

It helps you have a bit of balance in your life, too.

So that's up to you how you wanna modify it.

And then the last 5% is to give, to contribute beyond yourself.

And even if you don't have money, I found this is extremely important because it trains

yourself to live in a state of abundance, it trains your brain that there's more than

enough.

And maybe for you it's more than 5% or maybe it's less.

But I have often said, if you watch a lot of my videos, when you give, it's not necessarily

the amount as it is the habit.

It could just be givin' $1 to a homeless person on the street.

But what you do with that is it really opens up your mind and it makes you feel good about

yourself, and sure enough what happens is you attract more money, more wealth into your

life.

You know, oftentimes, people are so attached to the money that they've got, they're so

afraid of losing it or parting ways with it or investing it or whatever it is.

And if you're tryin' to hold onto what you got and you're closed off, then you're not

gonna be open to receiving more.

It's not 'til you're open and you're willing to part that attachment, you live in abundance,

that's where more wealth, more money, more opportunities flow your way.

So having a habit of giving and contributing is extremely important.

Again, it's not about the amount, it's the habit of it to train yourself to live in an

abundant state, 'kay?

So this is a good formula for you to follow, 'kay?

Again, you can modify it a bit if you'd like.

But the most important ones are savings, financial freedom, education.

Those are the most important ones that you have to prioritize that you're not prioritizing

right now if you're in the situation that you're in.

And this is a mindset shift more than anything else.

You gotta shift your mindset.

You gotta be more future and long-term thinking than the short-term.

And you're gonna have to make those sacrifices to make sure that you're living well below

your means, 'kay?

Very important.

So I've already talked about managing finances, sacrifices.

You know, and I also wanna really emphasize sacrifices, because this actually was a huge

change in my thinking for me, because, you know, when I was tryin' to get myself out

of this situation, part of it was I wasn't willing to make sacrifices.

And I thought, "You know, I can have it all.

I can live this, you know, balanced lifestyle, whatnot".

And I actually decided to interview a lot of people that were more financially successful

than myself.

And one of the things that I found out that was common throughout them is they all had

to make sacrifices to get to where they're at today.

I remember even talking to my brother about this, who was very successful financially,

at the time.

And you know, I was talkin' to him, and he actually, he used to work for my dad in the

family business doin' bathtubs, acrylic bathtubs, sinks, and showers.

Physical labor stuff.

And he had to live in the warehouse for a few years.

And he lived in, like, in one of the offices and turned it into a little suite.

And he had to live there and make that sacrifice to get himself out of debt and get himself

back on his feet financially.

I have a cousin who is fairly successful now, and he owned a gas station, a Petro-Canada

gas station here in Canada, and he actually lived in the gas station for, I think, a few

months or even a few years.

And that was a sacrifice he had to make to be able to save money, to be able to, you

know, do what I'm sharing with you guys here, you know, do this stuff.

You know, I've had to do that.

And most people that are ahead financially had to make a sacrifice.

So that was just the reality.

The sooner I was able to accept that reality, then it really freed me and empowered me a

lot because I believed that, you know, I was doin' this just short-term, but just really

was confident in the plan that I had of where it was gonna take me and where I was gonna

go in my life.

So be willin' to make those sacrifices, because part of getting what you want is knowing what

you have to give up in order to have it.

'Kay?

So sacrifices, guys.

I'll give you another key here, guys, is you have to invest in yourself.

Invest in yourself.

And really, doing this here is really what's allowing you to do number three.

And like I said, it's gonna be very hard for you to really change your life if you're not

able to invest in yourself.

Warren Buffett, one of the richest men in the world has said the best investment you

can make is not in a stock or a mutual fund or real estate, it's in yourself.

Investing in yourself.

And I really believe this has been the key, the secret to getting to where I'm at right

now.

You know, I remember that time when I was living in my friend's living room, and I was

just, I was in credit card debt, I was tryin' to find ways to get myself out of that debt

and get myself back on my feet financially.

You know, I remember at certain times, I had a little bit more money, and with that money,

I had the choice, I had the choice of either I could take that money and I could go and

live on my own and put some of that money more into my necessities and I could get my

own place and my own car, and I could, you know, upgrade my lifestyle, or I could take

that money and I could invest in myself.

And when I weighed my two options with it, I realized that what would get me further

in my life is takin' that money to invest in myself.

So when I was in that situation, I invested in a coach.

I invested in the 100 Day Challenge program.

That's the first time I ever did that, when I was in that financial situation.

I remember I invested in going to a seminar in New York.

And I had to fly all the way there and I had to find a roommate to stay with at the hotel

in order to go to a seminar, because I realized that my life was not gonna change unless I

was willing to invest in myself and do things differently that what I was doin' before.

Because what I was doin' before was not workin' for me.

I had to make changes in what I was doin' with my money.

And I believed that investing in myself, then it would help me get to a position where I

would be able to create more financial wealth, more financial abundance, I'll be able to

grow a business, be able to make more money, be able to get more promotions in a job if

I wanted to or be able to get a higher-paying job.

I recognized the importance of this.

Now, lookin' back, you know, a lot of people would say that's crazy.

You know, here's Stefan, you're broke, you're struggling, you have this money, you could,

you know, get out on your feet, you know, go and live in your own place, but you decided

to take that money and invest in yourself instead.

That was the mindset shift that changed everything for me, guys, when I was willin' to do that.

And what I found is I actually got so much value out of doin' that because when I invested

money in myself, I didn't have a lot of money to invest.

You know, I just barely scraped by.

I had to be resourceful to be able to find a way to get that money to invest in myself.

But what I found is when I invested in the training or the seminar or whatever that was,

I got so much more value than anyone else, because it took me so much, that money that

I invested was so valuable to me that I got really good results because I took it seriously.

Now, often they say the more that you pay, the more that you pay attention.

So I took my training, my education even more seriously.

I applied everything that they said at the seminar or through the course.

I went back through it again and again.

I took a million notes in my journals, which I still have to this day.

And I cherish those times because I just appreciate it so much 'cause it took me so much to do

that that I just got so much more value because of it.

So invest in yourself.

And I'll give you guys another key.

I'm just gonna give you guys this and I'll break it down.

It's to create wealth.

You gotta now create a new vehicle for not just makin' money but really what it is is

a vehicle for financial freedom.

For financial abundance, guys, because this vehicle right here might not get you there,

you know?

A job isn't gonna create you freedom.

You know, 'cause you're trading your time for money, in that case.

And so now you're in a position where you can really look at creating wealth, you can

look at an online business, you can look at, you know, investing in an online business

and trainings, and really takin' it seriously, and really build it up to where you want it

to go, to create passive income for yourself and a certain lifestyle.

Or you can take that and maybe creating wealth through learning how to invest in stocks or

real estate or some other vehicle like that that again, has the potential to create financial

freedom, passive income, financial abundance.

So that's really what you need to be able to focus on in order to get to where you wanna

go.

And when you're creating this, what happens is now you've built the habits of managing

your money, 'kay, so now you know how to manage and you know what to do with this new wealth

that you're now creating here.

But also, more importantly, because you've already been through this, you've struggled

financially, then I know for myself, what I did is I made a decision that I'll never

again be in that position again.

And I actually let the pain of where I was before to motivate myself to really change

and make sure that I made smart decisions with my money, I invested it in the right

things, things that would bring me more opportunity, more potential, more freedom, more of what

I want in my life.

More assets than liabilities.

And that was a key thing for me is I actually believe that struggling financially, being

in debt, the situation that I was in was actually a blessing.

And if you're in that situation now, you might not be able to see that just yet, but once

you get out of it you'll realize that it was.

'Cause I'm so grateful for those times that I went, the years that I spent struggling

financially because it really taught me how to manage money, it taught me how to be resourceful,

it taught me how to be strong, it taught me now to be attached to materialistic things.

It taught me to still be able to, you know, to create drive and hunger and be motivated

and do what it takes to really change the situation that I was in.

It also taught me how to add value, because often people struggle 'cause they're only

focused on themselves.

But in order to really create wealth, you've gotta be able to find ways to add value.

Because you're only gonna get paid based on the contributions that you make.

You know, if you're workin' for a businesses, you're getting paid for the value that you're

providing to that business.

If you're selling a product or a service, you're only gettin' paid based on the value

that your product or service provides.

So you have to shift your mindset to be a giver, to add value, to create value and become

more valuable, 'cause the more that you do that, the more wealth and more financial abundance

you're gonna create in your life.

So this is, again, where you really wanna focus on building a business, you know?

This is where, you know, a lot of people, for example, they come to me, "Stefan, I can't

afford to start a business, I can't afford this course or this training that you might

have".

Well, then you gotta start here and you gotta start here, and then when you're here and

you're ready to take some of this money from your education and some of this money, now

you're ready for a course.

Now you're ready to build your business.

Now you're ready to really create that wealth and be able to do it the right way and fast-track

it, accelerate it and get to where you wanna go.

And oftentimes, you wanna do this while you still have a job.

You don't just wanna quit your job and then start a business, right?

You start your business on the side, and you build it up to a point where it's making you

a positive cashflow and profit, in which case that you can then depend that your business

will then support you.

And then you can quit your job and work at this full-time.

Because now this is dependable for you, it's a reliable stream of income that you can then

depend upon.

And that's what I did for myself.

That's what most people that I know have done, as well.

And I think this is really the plan to change your financial situation for the better, to

get to where you wanna go.

And of course, investing in yourself might be reading books, goin' to seminars, learning

about finances, about money.

You know, I've shared a lot of videos and stuff on my channel that can also help you

with your mindset around this, but, you know, find books, find coaches, find courses and

training programs and resources that can really help you get to where you wanna go.

You know, that's the key.

You know, to this day, I'm still investing more money than I've ever invested in my life

into my own education, into my own future, 'cause I believe in this.

This is what's gotten me where I'm at today.

Why would I stop investing in myself?

Why would I stop hiring coaches?

I do that even more than ever before, 'cause I wanna continue to grow, and I wanna be able

to continue to learn and become more valuable so that I have more value to provide.

And I hope by doing that, by adding more value, the more money that I'll make in the process,

too.

So this video has been fairly long, but I wanted to go more in depth, I wanted to share

the mindset and the strategies that the steps that I took and that I would take if was startin'

over again.

And it can hopefully help ensure that you get yourself back on your feet financially.

And you know, you're gonna have to, again, make that sacrifice here, but once you get

here, you know, and you get that point, it's a small price to pay because you're gonna

be able to live the rest of your life free.

You're gonna be able to live the rest of your life financially abundant, and you're really

not gonna have to worry much about money again.

So if you have to go through this phase for a few years, it's worth it.

You know?

You gotta, again, think long-term in your decision-making.

And it might suck for a year or two years or three years, but, you know, once you get

yourself out of that situation, now you're on the fast track.

And the fast track, the fast lane is what's gonna, you know, it's amazing how much your

life will change once you're there.

So understand that you're gonna have to go through this, and this is the path that's

gonna help you lead to where you wanna go.

So listen, I wanna thank you so much for watchin' this video.

Hopefully you enjoyed it.

My Life Mastery Accelerator program goes more into finances and also investing money, too,

if you wanna learn more in-depth strategies for that.

But I wanna thank you.

I wish you the best of luck.

I believe in you.

I know for a fact that you can change your financial situation, you just gotta have the

right mindset, the right attitude about goin' about it.

You're in the right place.

Just follow this plan, guys, to get out of the situation that you're in and to get to

where you wanna be.

Thank you so much.

Make sure to subscribe for more videos.

Like this video, leave a comment, and I'll talk to you guys again, soon.

Take care.

#Best Education Page #Online Earning

online earning,make money online, earn money online, online earning, online earning sites,

 make money online free, online money income, earn money online free, money online, best way to earn money online, online income site, money earning websites, best online earning sites, easiest way to earn money online, earn money payment bkash, online money income site