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The Rules of Money Contents
Part I Thinking Wealthy
- Anybody Can Be Wealthy—You Just Need to Apply Yourself
- Decide on Your Definition of Wealth
- Set Your Objectives
- Keep It Under Your Hat
- Most People Are Too Lazy to Be Wealthy
- Get a Reality Check
- Understand Your Money Beliefs and Where They Come From
- Understand That Wealth Is a Consequence, Not a Reward
- Decide What You Want Money For
- Understand That Money Begets Money
- Calculate the Net Return
- If You See Money as the Solution, You’ll Find It Becomes the Problem
- You Can Make Lots of Money, You Can Enjoy Your Job, and You Can Sleep Nights
- Don’t Make Money by Being Bad
- Money and Happiness—Understand Their Relationship
- Know the Difference Between Price and Value
- Know-How the Wealthy Think
- Don’t Envy What Others Have
- It’s Harder to Manage Yourself Than It Is to Manage Your Money
Part II Getting Wealthy
- You’ve Got to Know Where You Are Before You Start
- You’ve Got to Have a Plan
- Get Your Finances Under Control
- Insurance Pays Someone, and Odds Are It’s Not You
- Only by Looking Wealthy Can You Become Wealthy
- Speculate to Accumulate (No, This Isn’t Gambling)
- Decide Your Attitude to Risk
- Think Through the Alternatives to Taking a Risk
- If You Don’t Trust Someone, Don’t Do Business With Them
- It’s Never Too Late to Start Getting Wealthy
- Start Saving Young (or Teach Your Kids This One If It’s Too Late for You)
- Understand That Your Financial Needs Change at Different Stages of Your Life
- You Have to Work Hard to Get Rich Enough Not to Have to Work Hard
- Learn the Art of Deal Making
- Learn the Art of Negotiating
- Small Economies Won’t Make You Wealthy but They Will Make You Miserable
- Real Wealth Comes from Deals Not Fees
- Understand That Working for Others Won’t Necessarily Make You Rich— but It Might
- Don’t Waste Time Procrastinating—Make Money Decisions Quickly
- Work as If You Didn’t Need the Money
- Spend Less Than You Earn
- Don’t Borrow Money—Unless You Really, Really Have To
- Consider Consolidating Debts
- Cultivate a Skill and It’ll Repay You Over and Over Again
- Pay Off Your Loans and Debts as a Priority
- Don’t Be Too Busy Earning a Living to Make Some Money
- Save in Big Chunks—or Should You?
- Don’t Rent; Buy
- Understand What Investing Really Means
- Build a Bit of Capital, Then Invest It Wisely
- Understand That Property, in the Long Run, Will Not Outpace Shares
- Master the Art of Selling
- See Yourself as Others Do
- Don’t Believe You Can Always Win
- Don’t Pick Stocks Yourself If You Don’t Know What You’re Doing
- Understand How the Stock Market Really Works
- Only Buy Shares (or Anything) You Can Understand
- Use Your Head
- By All Means, Use the Investment Professionals (but Don’t Be Used by Them)
- If You Are Going to Get Financial Advice, Pay for It
- Don’t Fiddle
- Think Long Term
- Have a Set Time of Day to Work on Your Wealth Strategy
- Pay Attention to Detail
- Create New Income Streams
- Learn to Play “What If?”
- Control Spending Impulses
- Don’t Answer Ads That Promise Get-Rich-Quick Schemes—It Won’t Be You Who Gets Rich Quick
- There Are No Secrets
- Don’t Just Read This—Do Something
Part III Get Even Wealthier
- Carry Out a Finance Health Check Regularly
- Get Some Money Mentors
- Play Your Hunches
- Don’t Sit Back
- Get Someone to Do the Stuff You Can’t
- Know Yourself—Solo, Duo, or Team Player
- Look for the Hidden Asset/Opportunity
- Don’t Try to Get Rich Too Quickly
- Always Ask What’s In It for Them
- Make Your Money Work for You
- Know When to Let Go of Investments
- Know Your Own Style
- Know Why You Should Be Able to Read a Balance Sheet—and How
- Be One Step Ahead of Your Tax Collector
- Learn How to Make Your Assets Work for You
- Don’t Ever Believe You’re Only Worth What You Are Being Paid
- Don’t Follow the Same Route as Everyone Else
Part IV Staying Wealthy
- Shop for Quality
- Check the Small Print
- Don’t Spend It Before You’ve Got It
- Put Something Aside from Your Old Age—No, More Than That!
- Put Something Aside for Emergencies/Rainy Days—the Contingency Fund
- You Paid What for It? How to Shop Around
- Never Borrow Money from Friends or Family (but You Can Allow Them to Invest)
- Don’t Surrender Equity
- Know When to Stop
Part V Sharing Your Wealth
- Use Your Wealth Wisely
- Never Lend Money to Friends or Family Unless You Are Prepared to Write It Off
- Don’t Lend, Take Equities
- You Really, Really Can’t Take It with You
- Know When/How to Say No—and Yes
- Find Ways to Give People Money Without Them Feeling They Are in Your Debt
- Don’t Over-Protect Your Children from the Valuable Experience of Poverty
- Know-How to Choose Charities/Good Causes
- Spend Your Own Money Because No One Will Spend It as Wisely as You
- Take Responsibility Before You Take Advice
- Once You’ve Got It, Don’t Flaunt It
- What’s Next? Pacts with the Devil?
Introduction to The Rules of Money PDF
There’s an old saying “Money, money, money—it’s all they can think about.” Unlikely to be true of course, given that hardly anybody thinks about money itself (unless they happen to be a coin collector).
The reason we all pursue and desire and fiercely protect money is because of what we can do with it. And no, of course, money can’t buy you love or happiness. Although it can buy a good deal of pleasure—and remove a lot of unhappiness.
But it can buy you plenty of other things. Over the years I’ve identified the ten things which people most seem to want to spend their money on:
1 Security: A home of your own and enough money in the bank to support you in the way you want, plus a bit in hand for emergencies, and a big enough pension to ensure a comfortable retirement.
2 Comfort: A warm and spacious house, a big car, someone to clean or mow the lawns or do the laundry or mind the kids, and good quality medical care whenever you want it.
3 Luxuries: Exotic vacations, fine wines, meals at top-class restaurants, expensive clothes, the best seats at sports events or opera, or whatever you enjoy.
4 Mobility: First-class train seats and plane tickets, trips on cruise ships, chauffeur-driven cars wherever you are in the world.
5 Status: Prestigious invitations, access to important people and exclusive clubs, and perhaps even gratifying deference from others.
6 Influence: As a generous donor of substantial sums, you can make sure that your views and wishes are listened to and taken seriously.
7 Freedom: Not being dependent on employers, bosses, creditors, clients, customers. Not being a slave to the calendar, diary, or clock. Knowing you won’t have to be a burden on your children.
8 Leisure: Time to do the things you want, go where you want, meet who you want, when you want.
9 Popularity: Being able to entertain friends, acquaintances, and contacts frequently and generously does wonders for your social life.
10 Philanthropy: Being able to make regular and substantial donations gives you the satisfaction of helping people, supporting organizations, and furthering causes you believe in.
Seems a reasonable enough list to me. And whether it’s some or all those things that you’d like more of, you need to know how to go about generating greater wealth—which means you need to know what it is that separates the wealthy from the not-so-wealthy.
So, what you need to know is what principles, and what behaviors the rich have, that you don’t (yet). Some of them you will realize that you know, but don’t do.
None of this is actually rocket science; it’s about understanding and then doing. I’ve studied a lot of wealthy people, and it’s clear to me that there are some fundamental common principles followed by almost all. The bulk of the Rules in this book fall into that category.
Then there are also some principles which some rich people swear by, but not all. I’ve included some of those too for good measure, just in case you too are one of the people they do the trick for.
Security, comfort, luxuries, mobility, status, influence, freedom, leisure, popularity, philanthropy—that’s all some people think about.
They may not be everything; they may not even guarantee a happy life, but they’re a pretty good basis to build happiness on.
I’ve tried to set out in this book the most important Rules that can help you achieve these ten things.
All of them purport to be about accumulating money, and of course, in a sense they are, but at heart, they’re about money only as a means to an end. A means to achieve those ten ends.
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