Secrets of the Millionaire Mind - Wealth File 13
Rich People Focus on Their Net Worth.
Poor People Focus on Their Working Income
Harv says that the true measure of wealth is net worth, not working income. We respect the likes of Elon Musk, Jeff Bezos, Warren Buffet because of their net worth, not their monthly income. Rich people focus on the end in mind, which is to grow their net worth. You can earn a million a day, but if you spend more than a million each day, you still won't be wealthy. At some point your debt will overwhelm you. That's why you need to focus on growing your net worth, instead of digging yourself deeper into debt.
"To determine your net worth, add up the value of everything
you own, including your cash and investments such as stocks,
bonds, real estate, the current value of your business, the value
of the house you own, and then subtract everything you owe."
Your net worth consists of your income, both passive and active income, savings and investments and simplification. Most people look down on active income, which is a mistake because active income makes all the rest possible. What are you going to save if you don't earn any money? With what will you invest if you don't earn any money? Where will you get capital for your business if you don't earn any money?
Unless you have a huge inheritance waiting for you, you need some form of active income. Active income is not the enemy, it is the foundation upon which great wealth is built.
Wealth is the difference between what you earn and what you spend. The trick is to spend less than you earn so that you can funnel the difference into your savings and investments.
Harv defines simplification as creating a lifestyle in which you need less money to live on. He says that by decreasing your cost of living, you increase your savings and the amount of funds available for investing.
Focus on Building Your Net Worth
Remember, what you focus on expands.
Where attention goes, energy flows and results show.
So decide right now what's important to you.
Are you chasing instant gratification
or lasting prosperity and expansion?
Harv offers a powerful exercise for you to start growing your net worth.
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