It's very hard to get rich when having to rely on your own money. Instead, it's common for Investors to borrow money, using the extra funds to buy assets such as properties, shares or businesses. Borrowing like this is referred to as Leverage. It's not just about having more money to invest ....

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Your reputation is your brand. It's how others see you and judge your character. It's almost impossible to keep a great job, lead a successful start-up or attract investors if you have a poor reputation ...

It is always useful to study the Habits, Attitudes and Mindsets of wealthy role models. There's so much to learn from how their Wealth Creation strategies and the business models they use have worked for them. Read their biographies for clues about how they succeeded and see which of their ideas, hints and tools you could borrow for yourself.

The truth can be so damn annoying when it doesn't back up the way you see the world.

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Working four hours a week sounds great, but the experiences of numerous Millionaires and Billionaires is that success takes effort and time. Mark Cuban is reputed to not have taken a vacation in 7 years, and to have worked through the night learning to code. Elon Musk has spoken about about having to work 80-100 hours every week ...

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Cash might be king, but not necessarily a wealthy king. Twenty years ago, you could leave money in the bank and watch it grow at a rate of at least 5% a year, thanks to high rates interest on deposits. You could simply sit back and feel like you were getting richer -- although in reality, with high interest price inflation at the time, your bank balance might have been increasing but not your spending power.

Today it's different ...

Some people seem quite chilled about taking on debt. When I was young, I only saw people borrowing and delaying payments when they were truly desperate. It was rare for anyone to seek a loan to pay for non-essentials, not any longer. Today, being in debt is an acceptable lifestyle choice, constantly promoted in the media with numerous adverts to...

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How much money do you save each month? Sadly none of saves enough, and for too many people have no savings at all.

A 2018 survey by bankrate.com revealed that 25% of 18-53 year-olds have no savings, nothing set by. Nothing to fall back on. Another 25% only have enough savings to cover three months of living expenses...

Imagine if your bank account leaked money. Nothing drastic, just a few dollars every day. It wouldn't cause a panic, but it would amount to quite a lot of money over time. 

And I bet it's already happening. We all leak money, trust me. No one is totally immune to spending cash on things that don't matter or don't get used.

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There's a theory that each of us is the average of five people we spend the most time with.

Science backs the idea that the people we socialize with have an incredible impact upon us...

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