I have been reading a lot of comments to the Coaches' and Team Members' blogs.

There are many view points. That's the beauty of our democracy. People have freedom of ideas.

However, in wanting to learn how to be wealthy, I personally had to listen only to one point of view - the point of view of Wealthy People. And when I say wealthy, these are not just people with lots of money (many employees have lots of money but that doesn't make them wealthy). I meant people with lots of money and lots of time. These are the people who are found in the Right Side of the Cash Flow Quadrant.

Many in this Online Community claim that they have businesses and many claim they invest in stocks, real estate, etc. But does that give them any credibility as to teach anyone how to be wealthy? Maybe they make lots of money already in their businesses, investments or rental properties. Perhaps not a lot.

In my personal research on how Wealthy People made it and with the guidance of my mentors (many thanks to the Community), I discovered the REAL FORMULA for wealth building (thus I and the other Core Team Members are now taking action towards it). The formula in wealth building is:

WEALTH CREATION = BUY, BUILD OR CREATE ASSETS

Yes. It's that simple. But of course many will say "It's easier said than done". But as I shall try to illustrate in this blog, this is not as hard as it sounds - it all takes CHANGE IN MINDSET AND CHANGE IN INTERNAL REALITY.

Please take a look at the following diagram (this is from Rich Dad's "Who Took My Money")

Which quarter are you in right now? At which quarter do you want to retire? 95% of the Filipino population retire at the age of 65 (or above). However, at that age, it doesn't matter whether you have lots of money (from perhaps your retirement pay), because time is already running thin for you to enjoy life and be able to do the things that really give meaning to your life. Most spend their lives WORKING FOR MONEY (whether it be as an employee, as a self-employed professional or even a small-business owner). In short, people on the LEFT SIDE of the Cash Flow Quadrant retire OLD. Don't worry, however, if your already near the 4th quarter (or are already in the 4th quarter). The reason why God led you to see this Community and this blog is for you to NOW start taking the right action for your life and for your next generations. Most people work hard all their lives only to fund their retirement years and their children's immediate needs - the next generation continuous this vicious cycle called the RAT RACE.

Take a look now in the following diagram (still from Who Took My Money):

Both sides have the same objective - WIN THE MONEY GAME (meaning becoming financially free).

THE SLOW TRAIN:

Those on the left side (Employees, Self Employed, Small Business Owners) retire old. Why? Because they take the SLOW PLAN. They WORK HARD to MAKE MONEY from their DREAM JOB, dream profession or dream business. They may make lots of money from these (I didn't say you can't make lots of money from a job or small business) but the money they earn go through the slow train. That's why they lose time in attempting to win the money game. If ever they win it, they are too old and their winnings are so few.

Examples of a slow plan:

1.Plan given by most financial advisors:

Earnings from job/small business/profession --- >> Invest in Mutual Funds or insurance

2. Plan of some who are more aggressive:

Earnings from job/profession/small business --- >> Invest for the long term in the stock market or: Earnings from job/profession/small business -->> Invest in stocks (buy low) -->> Sell stocks (sell high) ->> repeat the process

THE FAST TRAIN: Those on the right side retire early and RETIRE RICH. Why? Because they have an ACCELERATED PLAN to win the money game. That's why they win it early and they win by a HUGE MARGIN. Thus, their succeeding generations still benefit and they are able to share their winnings with a lot of other people.

Again: WEALTH CREATION = BUY/BUILD/CREATE ASSETS

For those on the left side, the only form of Assets they know are their skills, talents, own money. It's very difficult to get rich by these alone.

Here's the fun part. There are three Asset Classes:

1. Business (BIG BUSINESS not small business) 2. Real Estate (Huge tracks of real estate properties folks, not condo units) 3. Paper Assets (not merely trading stocks in the stock market or buying mutual funds but wealthy people are the ones that CREATE the paper assets that the public buy and trade)

People on the right side don't just Buy/Build/Create Assets but they Integrate at least two (best if three) of these Assets together. Then the formula can be expanded to:

WEALTH CREATION = BUY/BUILD/CREATE (BUSINESS) + BUY/BUILD/CREATE(REAL ESTATE) + BUY/BUILD/CREATE (PAPER ASSETS)

As the second diagram shows - the people on the right side employ the use of ACCELERATORS. These are things that the people on the left side cannot use because of a lot of factors. The purpose of the

Accelerators is just that - accelerate (or increase the velocity) of the CASH FLOWing through the different asset classes. The magic word is CASH FLOW (now that's why people who invest for Capital Gains primarily never become wealthy. It's not because they invest for the wrong reason [capital gains] but it's their primary reason). With the addition of Accelerators our formula now becomes:

For a description of the different Accelerators on the right side please check this blog out: The CA2020 Power Investing Plan

HUGE WEALTH CREATION = {BUY/BUILD/CREATE (BUSINESS) + BUY/BUILD/CREATE(REAL ESTATE) +BUY/BUILD/CREATE (PAPER ASSETS)} x ACCELERATORS

With the above formula people on the right side gets returns of over 1000% per year. For people on the left side, this kind of return is UNBELIEVABLE. Why? It's because for them, their only asset is themselves (one person = 24 hours/day x one body) so their income is limited to the extent of their labor. Even the money they invest in Mutual Funds or trade stocks with - they use their own money (which comes from their labor, which then makes their money LIMITED).

Let us illustrate the use of this formula. Let's take the example of Bill Gates (one of the 5 richest people in the world):

60 BILLION DOLLAR WEALTH = {CREATE BUSINESS + CREATE PAPER ASSETS} X ACCELERATORS

Elements in Bill Gates' Formula for his HUGE WEALTH:

CREATE BUSINESS: Bill Gates created a Business called Microsoft. It's a B-Quadrant business, meaning it runs not on Bill Gates's sweat but on the system it has and the efforts of others

CREATE PAPER ASSETS: Bill Gates offered a portion of Microsoft's shares to the public through an IPO.

ACCELERATORS USED BY BILL GATES:

a) Other People's Time ->> DOS was not Bill Gates's idea but that of his Harvard classmate; Bill Gates did not have to sell DOS to its customers, he tapped into IBM's NETWORK of customers through the deal he made with IBM

b)Entity Selection -->> Bill Gates did not make Microsoft a Sole Proprietorship or a Partnership business (as what most people who are starting up would do) but he incorporated it. Thus making him enjoy the tax incentives (Tax Laws) that corporations have. Also, Bill Gates' did not focus on manufacturing the Personal Computers that he envisioned. He just focused on creating the software and tapping into another person's business to manufacture the personal computer. Ingenious?

c)Other People's Money -->> Bill Gates used IBM's resources to market Microsoft's products when he was starting; When Microsoft was already getting bigger and needed more money for expansion, Bill Gates offered a portion of it to the public and raised enough funds from the sale of Stocks. More than that, however, when the BIG INVESTORS' radar started seeing Microsoft (as a public company, you will be always in the eyes of investors) they invested huge amounts to Microsoft. Bill Gates used this addtional money to innovate new products and expand to international markets. Thus through Other People's Money, Bill Gates' Cash Flow grew more.

d) Charity -->> a) Bill Gates' original intention for starting Microsoft was not to be a Billionaire but to just add value to people through his concept of a personal computer -->> Charity of his idea. While Most people use their skills for their own good Bill Gates used his to serve others; b) When he was already a Billionaire, he started Bill And Melinda Gates Foundation. This then allows him and his wife to transfer their wealth to their heirs tax-free.

Bill Gates was a Billionaire at the age of 39. He retired at an earlier age of 25 having wealth in the HUNDREDS OF MILLIONS OF DOLLARS.He retired at the start of his First Quarter and became a billionaire in the Second Quarter. Now he spends most of his time enjoying life and also in his calling HELP POOR CHILDREN AROUND THE WORLD.

Next, allow me to share how we follow the same formula in the Team.

HUGE WEALTH = {CREATE BUSINESS + BUY/BUILD/CREATE REAL ESTATE + BUY/CREATE PAPER ASSETS} X ACCELERATORS

Here are the components:

CREATE BUSINESS: This is our Stage 1. Like Bill Gates, we tapped into somebody else's system for us to do HUGE BUSINESS even if most Core Team Members didn't have business experience when they started. Our business allows us to build franchises in over 50 countries (and growing). We are tapping into a TRILLION DOLLAR INDUSTRY.

For this component we use the following ACCELERATORS: a) OPM - we teach our Team Members how to source funds for Stage 1 business.

b) OPT - we leverage on TEAMS for us to do our business. Also we leverage on our Mentors' wisdom and experience.

c)Tax Laws - unlike an employee who pays 1/3 of his salary to taxes, we only pay 10% and we can even recover these tax payments. Why are we only taxed 10% - it's because we are business owners and not salaried employees. The government taxes entrepreneurs less because we are the ones responsible for creating the economy.

d)Charity - charity of our time. Because we give our time for free in mentoring, we are able to attract powerful leaders who do business with us and thus become part of our team that continuously expands our businesses.

BUY/BUILD REAL ESTATE: The moment a Core Team Member is generating at least USD 10,000 per month passive income (COACH is that for real? Per month? Ang laki, ows? Too good to be true) he/she shall enter the Real Estate Stage - Developments- Again, for us this is doable because we don't rely just on physical efforts and own talent to create Cash Flow. We use ACCELERATORS remember?

In the real estate stage we shall create developments, solve banks' Non-Performing Asset Problems, create business and commercial areas in all the country's provinces.

ACCELERATORS FOR REAL ESTATE: Entity Selection (Cooperative Model), OPM (we'll use the bank's money), Tax Laws (The power of depreciation)

BUY/CREATE PAPER ASSETS: This is our Stage 3. In this stage we'll use our Corporations (that are generating HUGE CASH FLOW from Stage 1 and Stage 2 businesses) to purchase CONTROLLING SHARES in existing companies responsible for utilities and basic services (such as electricity, water, telecommunications, etc). Then we'll apply what we learned from Stages 1 and 2 in order to expand these acquired ASSETS to make them perform better to serve more people at a lower cost.

Then if there are solutions not yet available to our country (such as our own efficient energy supply, more efficient transport system) we are going to create Companies that shall provide these. Then portions of these companies' shares shall be offered to the public through the Stock Market. Thus, from it we can gain access to more investors to grow these companies.

ACCELERATORS: OPM (private and public funding), TAX LAWS (partnership with the government allows a company to gain tax incentives) ____________________________________________________________________________________ _____

Now if how we do it in the Core Team sounds impossible to do or too good to be true for you. It's alright, we have a different set of realities occuring in our respective minds. As I said earlier, to be able to become very wealthy and take the FAST TRAIN towards winning the money game - it all takes CHANGE IN MINDSET AND CHANGE IN INTERNAL REALITY.

For people who still cling on the left side (because it's more comfortable and their mindset size is enough to process information available to people on the left side) things happening on the right side are too impossible for them to do. That's because they refuse to be uncomfortable and break away from the thinking pattern they were taught at home, in school, in college, in their Master's and Doctorate degrees,

and their jobs. They only idolize either small business owners or old tycoons (the Philippines' richest people are OLD). ____________________________________________________________________________________ ________

If you wish to start riding the fast train - and you don't have any access to a ticket, we have tickets available in the Team. If you still wish to ride the slow train right after then cling to your:

Job Small Business Stock Trading Mutual Funds Insurance.