Transcript of Jim Rohn Explica Cómo Gestionar Tu Dinero para Generar Riqueza [Funciona para Todos]

How do you achieve financial independence? Number one here, you have to have the right philosophy first. Let me give you a couple of philosophies to consider. The first one is called the poor man's philosophy. Poor people typically spend their money and invest what's left over. That's the poor man's philosophy. Now, here's the rich man's philosophy. Rich people invest their money and spend what's left over. And here's the surprising answer. It doesn't really matter what the amount is, it's not the amount that's important, it's the philosophy that's really important. So I'm asking you to adopt this philosophy and I have a little formula that I'm going to share with you. What should a child do with $ ? Here's one opinion. He's just a child and he's just a $. What difference does it make? Well, in my opinion it makes all the difference in the world. A person's financial future starts with a child and a dollar. Someone says, " You're only young once, let him spend it all." Well, when would you expect

that to end? Someone says, "When you're 50 and broke like me, you'll learn." Well, we don't want to wait that long. So what's a kid to do with $? Here's the simple premise to get started. Don't spend it all. And if a kid wants to spend the whole dollar, you say, " Don't spend it all." They'll say, "Why not? It's my dollar, I earned it." You say, "Yeah, you earned it, but don't spend it all." They'll still say, "Why not? Tell them, I'll show you." So you put them in your car, you drive them across town, and you show them where the people who spend the whole dollar live. Take them for a drive, kids learn best visually. Take them for a drive and ask, "Would you like to live here?"

The kid will say no. Would you like to live like these people live? The kid says no. No. So don't spend the whole dollar. They'll get the message. Take them across town and show them around unless you already live there. In that case, the surrounding area. Anyway, don't spend the whole dollar. Now, let me give you my best opinion on what to do with the dollar. Here's my first piece of advice. Never spend more than 70 cents. Never spend more than 70 cents. You have to pick some number and the number you pick is going to be determined by your philosophy, it's going to be determined by what you've been taught or by your own experience.

When I met my teacher, Mr. Shof, I was spending like 110%of every dollar and then I learned a much better formula for financial independence. Number one, don't spend more than 70 cents. Now kids say to me, "Well, okay, what do I do with the other 30 cents?" And this is what I teach them. 10 cents to charity, helping people in need. 10 cents to support worthwhile projects. Projects that you feel good about, 10 cents out of every dollar. That's called being generous. Now, in my opinion, nothing teaches character better than generosity. No class, no teacher, no book teaches character better than generosity. And the best time to start is when the amounts are small, because when they get bigger sometimes it's a little bit harder. You know, giving 100,000 out of 1 million.

Someone says, "Oh, if I had 1 million I would give 100,000." I'm not sure, that's a lot of money. So start when the amounts are small. 10 cents out of every dollar. Well, the next 10 cents I call working capital. Working capital means doing something to make a profit. Working capital. Set aside a portion of your income. Salary is fine, but I'm telling you, salary is enough to live on. The profits make you a fortune, so set aside a portion of your income as capital called working capital. Any type of project that you can think of that you can come up with. Write this down if you're taking notes. Earnings are better than salary and there's no cap on earnings. They can double, triple, quadruple. You know, there's no cap. It's amazing how fast earnings can grow. Earnings are better than salary.

Salary is enough to live on. Earnings make you a fortune. Now, the third 10 cents is vitally important. I call it passive equity. Equity that you let someone else use. A financial institution, stocks and bonds, mutual funds, whatever. Let someone else use it. You put up the money. They use it to generate income, but they pay you for their use. It's called interest. And here's one of the things that will make you financially independent pretty quickly and that's called compound interest. And that's how you do it, by letting someone else use some of your money, some of your wealth. They generate income, they pay you interest.

And this passive equity, I'm telling you, over a sustained period of time. If you develop this little 10, 10, 10, and 70, you will be financially independent. You will have the ability to live off the income of your own resources. And one more point about passive capital. The borrower is servant to the lender. And if you want to be in a position of power as you get older, eventually when you mature, maybe you have your own business, things have worked out for you, the position that you always want to be in is the position of power and it's called a lender. The lender is the position of power. So if kids learn this early and then the questions they would like to be when they grow up, once they understand it, they'll say, " One of the things I want to be is one of those lenders." That's the position of power, not the spender. They won't pity you the rest of your life if you just become a spender. Become a lender.

We can't teach our children to take a ride, go around the neighborhood, find a broken cart, pay $ 1 for it, take it home, clean it up, sand it clean, paint it red until it shines, straighten the wheels until they're straight, take it back to the neighborhood and sell it for $ 1. Anybody can do that: find something, tinker with it, improve it, make a profit. Does the child deserve a profit of $ 1? And the answer is yes.

Society now has a repaired cart. Capital in the hands of children, capital in the hands of people. Businesses that make a profit, businesses that grow, that's the hope of our future. So I hope that simple little formula helps you now to one more key to financial independence and that is attitude. Attitude. Here's number one. I used to say, "I hate paying my bills." My teacher corrected me on that. He said, "Now, Mr. Ron, what you hate is paying $ 100 on a bill and reducing your debt and increasing your assets." I said, "Well, no, if you look at it that way." He said, "Well, it all depends on how you look at it.

So wouldn't you love to pay your bills, reduce your debt, increase your assets? You've got to have that kind of attitude." I found the same thing about taxes. I used to say I hated paying my taxes and Mr. Shof said, "That's one way to live, don't you understand? Taxes are how we feed the goose that lays the golden eggs." Wouldn't you like to do your part? Somebody says, " Yeah, but the goose eats too much."

Surely we all eat too much and need to go on a diet. Better a fat hen than no hen at all. So I became a happy taxpayer. I think taxes are too high. I'm working to get them lower for our economic future, but in the meantime, whatever they are, I pay them gladly, I do my part, because that's what makes the whole system work, each one of us doing our part. Now I want to make these three subjects valuable to you. I want them to be meaningful to you. I want you to be financially independent someday. I want you to have the personal development so that you feel good about yourself. If I ever got to meet you, I would love for you to show me the list of goals that you started and say, "Mr. Ron, there are some that I've already accomplished. Here are the books that I'm reading. This has happened. I'm developing skills better this year than I was last year. I have more confidence. My skills are developing." That's what I want for you and that's why I took the time to come and share this video message with you.

I give seminars all over the world, but this is a way for me to reach out to you in case you can't make it to my seminars. Wherever you are, maybe this video will reach you somewhere and make an impact in your life. And what I would love to hear from you later. A letter, a phone call, or a chance to meet you in person. And now I would like to leave you with these four questions. They are questions to reflect on. These questions were valuable to me and I want them to be valuable to you as well. Here's the first one. Why? We all wonder why we should work so hard? Why take so many classes? Why go to school? so many years? You know, why take notes? Why read the books? Why work so hard? Why put yourself through the push-ups and the discipline? Why? Good question, why ? The best answer to why I think is the second question. Why not? Why not see how many books you can read? How many classes you can take? How many skills you can develop? Why not see how much value you can bring to the marketplace,

to your friends and your family? Why not see what you can become? Why not see how far you can go? How much can you see? When can you earn? When can you share? Why not? That's the legacy that we all have now that we've been given this extraordinary opportunity. My third question, I would love to ask you in person, but since I can't do it in person, I want to ask all of you. But take it personally. My third question is, why not you? Why not you with good self-esteem? Why not you starting to change and set goals? Why not you? Aren't you starting to move toward financial independence? If I can do it, you can do it. I wish I had a lot more testimonies here today besides mine. A constant stream of people coming to tell you their story. Someone who started from nothing and ended up running a huge company. A mother who once relied on welfare and now runs her own business. I wish I had a lot more besides my story. And if everybody told their story, guess how they would end it? They would probably say the same

thing I did. Why not you? If we can read, you can read. If we can change, you can change. If we can figure it out , you can. If we can turn it around, you can turn it around. There's nothing you can't achieve. That's what those testimonies would say. So I want to tell you personally. Why not you? You have the brains, you have the stamina, you have the drive, you have the interest, you have your whole life ahead of you, you have the future. You can do it. If any one of us can do it, you can do it. If one of us can do it, all of us can. And here's my last one.

Question. Why not now? This is a good time. As the 20th century begins to come to an end, with just a few more years to prepare for the 21st century, what a great time to set your goals, work on yourself, on your skills. What a great time to get organized. What a great time to start this process. Personal development, growing, changing , developing, having a good plan for your money, for your life and for your future. Why not now? And I hope to have the opportunity to see you someday and share with you the experience, the reaction, the response that you have had to my message today. And until I have the opportunity to see you on this side of the world, on the other side, in some school or in some seminar, I want everything that I have achieved to be yours and much, much more. May God bless you. Goodbye.