วิธีสร้างตนให้เป็นเศรษฐี
คุณรู้หรือไม่ว่า การเป็นเศรษฐีต้องทำอย่างไร? ถ้าคุณเป็นเหมือนคนส่วนใหญ่ คุณคงไม่รู้
ในหนังสือเล่มนี้ ได้เผยให้เห็นถึงความคล้ายคลึงกันระหว่างเศรษฐีเหล่านี้ว่า พวกเขามาถึงจุดนี้ได้อย่างไร และทุกคนสามารถบรรลุผลลัพธ์ที่คล้ายคลึงกันสำหรับตนเองได้อย่างไร
หนังสือ Everyday Millionaires แนะนำทีละขั้นตอนในการเป็นเศรษฐี แม้ว่าคุณจะไม่มีเงินในธนาคารเป็นจำนวนมากในวันนี้ แต่จากการศึกษาที่ใหญ่ที่สุดที่เคยดำเนินการเกี่ยวกับชีวิตของเศรษฐี หนังสือเล่มนี้ แสดงวิธีการควบคุมการเงินของคุณ และเปลี่ยนความฝันของคุณให้เป็นจริง
Everyday Millionaires: How Ordinary People Built Extraordinary Wealth--and How You Can Too
Author: Chris Hogan
Publisher: Ramsey Press (January 7, 2019)
Everyday Millionaires proves how anyone can become a millionaire if they have a solid actionable plan and the willingness to work hard by drawing conclusions from the largest study ever conducted on the lives of millionaires.
2. Author: Chris Hogan
Publisher: Ramsey Press (January 7, 2019)
Everyday Millionaires proves how anyone can become a millionaire if they have a solid actionable plan and
the willingness to work hard by drawing conclusions from the largest study ever conducted on the lives of
millionaires.
3. เกี่ยวกับผู้ประพันธ์
Chris Hogan เป็นนักเขียนหนังสือขายดีอันดับ 1 และเป็นผู้ดาเนินรายการ The Chris
Hogan Show เขาเข้าเรียนที่ Georgetown College ในฐานะนักเรียน-นักกีฬา (นัก
อเมริกันฟุตบอล) ซึ่งเขาได้รับปริญญาตรีสาขาการสื่อสาร นอกจากนี้ เขายังสาเร็จ
การศึกษาระดับปริญญาโทด้านการสื่อสารจาก California University of Pennsylvania ซึ่ง
เขาทางานให้กับมหาวิทยาลัยในตาแหน่งผู้ช่วยโค้ชฟุตบอลไปด้วย
เขาเป็นนักพูดที่ได้รับความนิยมและมีพลัง ในหัวข้อ การเงินส่วนบุคคล การ
เกษียณอายุ และภาวะผู้นา เขาช่วยให้ผู้คนทั่วประเทศพัฒนากลยุทธ์ ที่ประสบ
ความสาเร็จการจัดการด้านการเงิน ทั้งในชีวิตส่วนตัวและธุรกิจ
Chris ทางานที่ Ramsey Solutions มานานกว่าทศวรรษ ในฐานะโค้ชทางการเงินที่
เชื่อถือได้และด้านบุคลิกภาพให้กับ Ramsey
27. สามบทเรียนจากหนังสือ:
1. เศรษฐีส่วนใหญ่ทางานเพื่อได้เงิน และทาตามแผน (Most millionaires work for their money and
follow a plan.)
2. มีงานพื้นฐาน แต่รู้กฎหมายเรื่องเงินง่ายๆ จะช่วยให้คุณกลายเป็ นเศรษฐีได้ (Having a basic job but
knowing some simple money laws can help you become a millionaire.)
3. แทนที่จะมีความคิดตกเป็ นเหยื่อ ให้มีความรับผิดชอบและตั้งเป้าหมาย (Instead of adopting the
mentality of a victim, be responsible and set goals.)
38. Credit Suisse’s latest global wealth report shows there are 46.8 million millionaires (measured in
USD) worldwide.
Of those, 40% or 18.6 million individuals are in the United States (This means that about 7.6% of
the U.S. adult population are millionaires)
After the U.S at 40%, the next highest 5 countries for millionaires are China 10%, Japan 6%, United
Kingdom 5%, Germany 5%, and France 4%.
These top six countries represent 70% of the world’s millionaires
39. Education is important, with 84 percent of millionaires having a college degree according
to Spectrem
From another Spectrem study, on a 100 point scale, millionaires rated the importance of having a
regular saving program at 82, reflecting their strong belief of its importance to their wealth
One in three funded their own college education without debt
Fidelity’s Millionaire Outlook Survey showed 86% of millionaires said they made their own wealth,
they didn’t inherit it
40. On average, it takes a millionaire 32 years to hit the $1,000,000 mark, dispelling the notion that
most get rich quick from a windfall
In fact, the same study showed that 80 percent of current millionaires didn’t reach $1,000,000
until at least 50 years old
Research conducted by Thomas Corley of Rich Habits, showed that 86 percent of wealthy people who
work full time put in 50 hours or more each week at their career
Further, 67 percent of wealthy people watch less than one hour of television daily, and 63
percent spend less than one hour daily surfing the internet
41. Next, desire matters as Corley found that 53 percent of self-made millionaires were obsessed with
become rich before they were rich
Also, Corley’s research showed that millionaires often pursue multiple streams of income, with 65
percent having at least three streams, thereby diversifying their dependence on any one stream
Finally, 88 percent of self-made millionaires read at least 30 minutes every day, focused on self
education
42. Millionaires also take good care of their health, with 76 percent exercising 4 days a week
86 percent are married, including 65 percent in their first marriage according to US Trust’s Insights
on Wealth and Worth
The study also showed that 78 percent started out as middle class or poor, only 22 percent grew
up in the upper class
Finally, many grew up in disciplined environments, with 76 percent citing that academic
achievement was emphasized, and 68 percent saying financial discipline was emphasized
43. A study by the Harris Group, titled Survey of Affluence and Wealth, showed that respondents save an
average of 23 percent of their income
Also, 87 percent of respondents said they succeeded in making their household more fiscally
responsible during last recession
62 percent of millionaires rely on a financial planner to help them manage their wealth, according to
Fidelity’s Millionaire Outlook study
44. Millionaires have significant equity in their homes, as on average, their mortgage is less than one
third of their home’s value, according to research performed by Thomas Stanely for his book The
Millionaire Next Door.
Stanely’s research also showed that the average millionaire goes bankrupt 3.5 times before they
eventually succeed
Further, only 20 percent are actually retired, meaning 80 percent still work
45. Next, 66 percent of millionaires own their own business
The Millionaire Next Door cites that the percentage of first generation millionaires is 80 percent,
dispelling the idea that most millionaires just inherit their money from a prior generation
72 percent of millionaires believe ‘smart investing’ as a key to their success according to a
whitepaper published by the Spectrem Group
46. This is important as the whitepaper shows 48 percent of millionaires’ investable assets are in
stocks
Their research also showed that 74 percent of millionaires are happy with their work / life balance
And when they go on vacation, they spend less than many might expect, with 81 percent spending
less than $10,000 total on vacations the prior year
And finally, while millionaires invest, the majority believe gambling is a waste of money, with 74
percent spending $0 on gambling in the prior year
Hinweis der Redaktion
Everyday Millionaires proves how anyone can become a millionaire if they have a solid actionable plan and the willingness to work hard by drawing conclusions from the largest study ever conducted on the lives of millionaires.
Chris Hogan is the #1 national best-selling author and host of The Chris Hogan Show.
He attended Georgetown College as a student-athlete where he received his BA in communications. Football was his sport. He also has a master’s degree in communications from the California University of Pennsylvania where he was working for the university as an assistant football coach.
A popular and dynamic speaker on the topics of personal finance, retirement and leadership, he helps people across the country develop successful strategies to manage their money in both their personal lives and businesses.
Chris has served at Ramsey Solutions for more than a decade as a trusted financial coach and Ramsey Personality.
Everyday Millionaires is the inspired work of Chris Hogan, one of the leaders in the Ramsey Solutions organization. He and Dave Ramsey dedicate their career to giving hope and practical tips to help people get out of debt and build wealth.
In a bold project, Hogan and his team conducted the largest study of millionaires in U.S. history. For this project, they surveyed over 10,000 millionaires. After analyzing qualitative and quantitative data, they came up with over 140 statistics about millionaires and collected dozens of inspiring stories about real-life millionaires.
Everyday Millionaires is an inspiring book that offers hope as well as actionable steps that you can take to build wealth for your family.
Do you know what it takes to become a millionaire? Well, if you’re like most people, you probably don’t. In this book, the study reveals the commonalities among these millionaires: how they got where they are today, and how anyone can achieve similar results for themselves.
The book “Everyday Millionaires” is a step-by-step guide to becoming a millionaire, even if you don’t have a great deal of dollars in the bank today. Based on the largest study ever conducted on the lives of millionaires, this book shows you how to take control of your finances and turn your dreams into reality.
Definition of Millionaire
We defined a millionaire as an individual with a minimum net worth of at least $1 million. This lists represent a solid formula for becoming wealthy.
1. Wealth and Money
89% have a net worth between $1 million to $5 million dollars
They became millionaires at the average age of 49
67% of their net worth is allocated to investments
33% of their net worth is allocated to their homes
79% did not receive an inheritance of any kind
2. Education Level
88% have a bachelor’s degree
62% graduated from public state schools
29% attended private colleges or universities
8% attended community college
9% percent didn’t graduate from college
48% percent had a B average or less in school
3. Money Habits & Debt
55% percent give to charities and churches on a regular basis
73% percent never had credit card debt
67% have paid off their home mortgage and did it in an average of 11 years
68% with a college degree never took on student loans
93% use coupons when shopping
96% have never had a past-due bill
82% have no automobile debt
92% have a long term plan for their money
4. Work History
18% percent are self-employed
33% percent never earned a household income greater than $100,000 annually
Only 31% averaged $100,000 or more household income per year
62% continue to work in retirement because they want to
5. Top Occupations
Engineer
Accountant
Teacher
Management
Lawyer
6. Top Five US Cities Of Residence
New York
San Francisco
Phoenix
Chicago
St. Louis
7. Primary Residence
Their homes average 2,600 square feet
They’ve lived in that home for 17 years on average
8. Personal Habits
80% exercise at least three times a week
70% consider themselves early risers
93% attribute hard work to becoming a millionaire
This emphasizes that our society has cast an incorrect view of wealth and the wealthy.
Some of the miss-information we are fed includes:
The wealthy were given their money
People with money are the enemy of the middle class
Government entitlement programs will take care of us
Hollywood portrays wealth in a bad light
The wealthy didn’t earn their money and don’t deserve their money. This is just not true. As the facts state, 79% of the millionaires surveyed received no inheritance.
What that means is:
They didn’t come from money
They work hard
Exercise good judgment and discipline
Save money
Invest that money wisely
And they do not rely on luck
The Wealthy Take Big Risks With Their Money: They understand that risk and reward are a balancing act. And also understand that becoming a millionaire is not about getting rich quick.
Balancing risk and reward with a long term mindset is the approach they take when investing: They are not day trading. Nor are they betting their future on speculative investments like bitcoin.
They avoid partnership ventures: Why? Because they want to rely only on themselves. And finally, they do not use debt or leverage in an attempt to enhance investment returns.
They focus most of their investing time, energy, and resources on one thing. That one thing is diversified mutual funds held in their company-provided retirement plans.
Wealthy people have only prestigious private school educations: In terms of education, he doesn’t believe that a degree from a prestigious university is necessary to build wealth. It’s not about where a person goes to school.
What Do Millionaires Do Everyday?: This is what they do:
Live below their means
Plan and set goals
Work hard
Stick to their plan
What Is An Excuse?: an excuse is a lie dressed up as an explanation
It’s like anything worthwhile in life. You must
Believe you can do it and create a positive money mindset
Keep fear and doubt from getting in the way
Understand others may have a head start on you
And not make excuses
Millionaires Take Personal Responsibility: A couple of the key points include:
Honestly assessing your current situation
Thinking positively and being grateful
Setting your destination and a plan to get there
Getting help when you need it (Getting help refers to hiring a financial planner. From my point of view, by all means, hire a financial planner if you think that makes a difference.)
Millionaires practice intentional spending to save money: You can’t build wealth if you spend more than you make. It’s just basic math. And that math is carried out through a monthly budget (budgeting focuses on the qualitative side rather than the number crunching).
For example, the book discusses,
The importance of budgeting
Intentional spending versus impulsive spending
Involving your spouse or partner in the budgeting process
Using a budget as a tool to stay out of debt
Let’s discusses the importance of setting goals as it relates to your money. Both short-term goals and long-term goals.
Building a bridge (A bridge period is that time between when you stop working and when you are eligible to withdraw money from retirement plans penalty-free. This is an important topic for anyone considering early retirement.)
Pay off your home mortgage early (This section provides reasons for choosing a 15-year mortgage rather than the more standard 30 years.)
Millionaires are hard workers. He emphasizes that hard work is required to become an everyday millionaire.
Most importantly, the book notes that it takes hard work over a long period of time to become a millionaire.
Some of the non-monetary benefits of a strong work ethic that are mentioned are:
Improves your mind
Betters your skill-sets
Sets a good example for children
Millionaires Are Consistent: bestows the virtues of:
Patience
Consistency
The benefits of a good, long-lasting marriage
Prioritize your investment dollars: put that extra money toward paying off your mortgage early. Once the mortgage is paid off, allocate those extra funds to investments outside of your retirement plans. Then execute this process consistently month after month. Rinse and repeat every month as the saying goes.
And the choice is yours
6 steps to become a daily millionaire:
Believe you can become a millionaire
Take responsibility for your actions
Live on less money than you make
Plan ahead – set financials goals
Work hard to achieve your goals
Stick to your plan
Here are three lessons from the book:
1. Most millionaires work for their money and follow a plan.
2. Having a basic job but knowing some simple money laws can help you become a millionaire.
3. Instead of adopting the mentality of a victim, be responsible and set goals.
Lesson 1: The interview carried out by the author shows that most millionaires don’t inherit the money – they work for it.
The truth is that most millionaires are self-made men and women who have worked hard to get where they are today. They didn’t inherit their wealth—they created it through hard work and determination, along with some smart investments.
The author states that the interviews he conducted with the millionaires revealed that most of them didn’t inherit the money, but rather worked hard for it. Most of these people didn’t come from good families, high-paying jobs, or famous backgrounds.
Instead, they lived below their means, paid debt quickly, invested early, and kept being consistent in their actions. Michael Phelps is a great example. He is the most successful olympian in history and a phenomenal swimmer. He trained six days a week for six hours, and people still attribute his success to luck.
In fact, most people like to talk about millionaires as if they’re some sort of mystical, incredibly lucky beings. People usually prefer to think of such successful individuals as fortunate rather than hard-working because that comforts them. It means that they can justify their lack of consistency because luck is not purposefully attainable.
Lesson 2: The myth about millionaires going only to high-end schools, having all sorts of degrees, and working high-paying jobs needs to stop.
Millionaires don’t necessarily come from high-end schools, have a bunch of degrees, work in real estate, finance or other such jobs. The truth is that the majority of millionaires do not come from families with money. In fact, some of them did not even graduate from college!
It’s time to rethink the whole idea of “wealthy.” Wealthy is not about how much money you make; it’s about how much money you keep.
Here are some more interesting facts about millionaires:
Millionaires work hard and save their money. They don’t spend it like the majority of people. They make smart investments and follow a budget.
Millionaires know how to live below their means—even if they make six figures or more per year! They know that there’s more to life than buying things with credit cards or taking lavish vacations every year.
They invest in their future by saving as much as possible while they’re young so they can retire early and enjoy life later on down the road.
Millionaires don’t just have one job—they have multiple sources of income.
The secret to becoming wealthy doesn’t always consist of luck, a better job, or more of anything at all. It all narrows down to mastering these money laws and making the best of your income. For this reason, many of these millionaires are regular people who worked basic jobs. What made them wealthy was their habits.
Lesson 3: Not a single self-made millionaire lives by a victim mentality.
You might’ve heard this before, but millionaires, especially the self-made ones, don’t like to complain, don’t gossip much, and they surely don’t blame their misfortune on external factors. In other words, they don’t live by the victim mentality, nor spend too much time overthinking situations.
Instead, they’re men and women of action. Less talk, more doing. Less complaining, more gratitude. The list can go on, but that’s not the point of this lesson. Instead, the aim is to make you understand that a winning mentality and a victim mentality cannot coexist.
To break out of this mindset, you’ll have to practice intentionality. When you’re intentional in your actions, you’re no longer sliding through life, waiting for things to happen as if you were on autopilot. Instead, you make them happen. How? By taking action and mastering your decision-making progress.
Much like everyone else, you too have to make decisions, so you better think them through and be confident in your choices. One way to start deciding when it comes to money instead of hoping the odds play in your favor is through initiating a savings plan, a retirement plan, and an investment plan.
Don’t just wait to get rich. Act upon it! In the same way you complain about the lack of money, you can start putting aside some of those hard-earned pennies. Even better, make them work for you! Set goals and break them into objectives, so that you have a clear plan. In other words, start deciding and ditch the victim mindset.
Everyday Millionaires is an eye-opening book for the everyday person who struggles to live meaningfully, thinks financial independence is a modern myth or simply doesn’t know how to break out of the victim mindset.
If you want to learn how millionaires are being made, how money can work for you and not against you, or how these people think ahead of the game, give this book a try.
It is truly an insightful piece that delves deep into the minds of successful people and explains how millionaires are not always high-earners, but rather mindful spenders.