Малка книга на милионера

by Grant Cardone

Грант Кардон иска да опрости процеса на забогатяване и превръщането ви в милионери. Това не е някаква химера, непостижима мечта. Той знае, че е постижимо, защото той самият го е постигнал, следвайки същите тези правила.
Осемте стъпки, които Грант представя, са изложени по много разбираем начин, който ще ви позволи да започнете още днес да създавате парите, които заслужавате. Да си го кажем, родителите ви не са ви научили как да забогатеете, а училищата и колежите дори не говорят за това.
Грант ще ви научи:
• 8 прости стъпки, които той е използвал, за да стане милионер
• Защо и как да се превърнем в милионери
• Как да вземем решението да станем милионери, което няма да ни напусне
• Разликата между това да останете разорени и да останете бедни
• Как да изградите множество потоци на приходи

Genres: Business, Finance, Nonfiction, Self Help, Money, Audiobook, Personal Finance

First published July 21, 2016

About the author

I am a NY Times Best Selling Author, internationally-recognized Sales Training Expert, Business Coach, and the Founder and CEO of 3 businesses: Cardone Training Technologies, Cardone Group, and Twin Capital Management. You may have seen me as the star and co-executive producer of a show, called TurnAround King.

In addition to speaking internationally to individuals, companies, and industry leaders on sales effectiveness, negotiating strategies, business development and business expansion, I am a regular contributor to networks including, Fox News, MSNBC, CNBC, Huffington Post, Business Week’s Business Exchange, The Wall Street Journal, CNN, Reuters, CNBC, Today Show and over 600 radio shows.

I am the author of four published books, with a fifth book slated to release in 2012.
• "Sell To Survive" (2008): The definitive sales survival manual on how to SELL your way through any economy.
• "The Closers Survival Guide" (2009): The ultimate guide to getting sales done.
• "If You're Not First, You're Last" (2010): Sales strategies to dominate your market and beat your competition.
• "The 10X Rule": Where to start, what to do, and how to follow up each action you take with more action to 10X your success!

I have also authored a number of business and motivational audio and video programs; The Rules of Success Motivational Program, Control Without Confrontation, 21st Century Selling, Maximizing Every Opportunity and a customized program for the auto industry called The One a Day Sales and Management Program.

I first became known in the business world with the development of a revolutionary new selling process, known as, Information Assisted Selling (a non-confrontational 21st Century selling approach)

Reviews

[Devin · Rating 4 out of 5]

Be very selective of where you get your financial advice and never get advice from a quitter or a pretender (p.11)

"Anyone who tells you that money won't make you happy never had enough money to know whether it would or wouldn't. This idea is born from those who try to make sense of why they don't have money. People justify it and try to make sense of their condition in life." (p.13-14)

"I can assure you money will not make you happy, nor will it make you unhappy. They have nothing to do with one another and whoever talks about them in the same conversation is someone justifying why they don't have money." (p.14)

"If you're going to be unhappy, be as rich as possible"(p.14)

In 2015, 500,000 households in America became millionaires (p.15)

Getting rich is mostly a game of offense, not defense (p.16)

Step 1: Make the Millionaire Decision
-More than 80% of all millionaires today are self-made, first generational . (p.17)
-Middle class=settling for basic necessities like clothes, a house, transportation, time off, and some money in the bank
-The middle class is for those who settle for just enough rather than striving for prosperity. The middle class is a compromise and it's selfish. When yo compromise your finances, you become unable to help others because you are struggling to simply take care of yourself. (p.18)
-"I believe millionaire is today's new middle class" (p.19)

Step 2: Millionaire Math
Do the math to create possibility, then create strategy (p.20)
"The best ideas are always simple" (p.20)


Step 3: Increase Income
*No one ever gets rich without increasing their income first. The creation of wealth, especially early on, is not about saving or investing--it's about increase your income flows. (p.25)
3/4 millionaires work for someone else. (p.25)
Incremental income growth is vital to get your surges

Step 4: Who's Got my Money?
-Make a list of who has your money, the money you want, and figure out what you can exchange with them. Whether you have a service, a product, or an idea, the question to ask yourself is always: Who's got my money?" (p.26)
-If you spend all your time with people who can't pay you will end being someone who can't pay
-The more people you help, the more money you will have. (p.27)

"The most important thing you must learn about any business is sales"- Mark Cuban (p.28)

Make yourself known to the people who have your money (p.28)

Step 5: Stay Broke
When you start increasing your income, stay broke. "I have a policy to never, ever have money sitting around. Once I start increasing income, I immediately moved the surpluses to sacred accounts that were out of my reach and marked for future investments (p.30)

"I watch the pretenders sleep like they are rich while I am up like I am broke. We both deceive ourselves but with very different outcomes." (p.31)
An idea plus hard work multiplied over long periods of time plus discipline will always equal success. Ideas are great but they mean nothing without hard work over time plus discipline.
Idea+Hard Work x time+ Discipline=Success (p.32)

Stay broke, not poor.
"From 25 to the age of 51, there was no alcohol, parties, showing off, exotic cars, only one watch, and almost not vacations." (p.32)
"Pay the price today so you can pay any price tomorrow"

Step 6: Save to Invest, Don't Save to Save
Investing money is how you will get super rich (p.33)
Most people aren't equipped to take advantage of moments because they don't have the money, they don't have the knowledge or the courage (p.34)
People don't create wealth because they never invest enough in a deal to get a big payoff. Significant wealth creators make big plays, not little ones. To do this, you must have surpluses of cash and confidence.

Step 7: Multiple Flows of Income

You should think long and hard before walking away from any income flow (p.37)
First, increase your income, then add to your income by starting a second symbiotic flow, expanding the on the thing you are already doing. Bank all additional money so that one day you can make investments (p.38)

Chapter 8: Repeat, Reinforce, Hyper-focus

The first sign that you are on your way is when the people close to you start to question why you are working so hard. (p.39)
When you change you may become a threat to all those who don't. If you are truly committed to becoming a millionaire, you will at some point need to change your environment. (p.40) One way to find the right people is to continue investing in yourself. Don't spend time and money on things, toys, holidays, or moments, invest in the surest investment of your life--YOU! (P.41)

[James · Rating 1 out of 5]

“This book was written in two hours.”

Off you fuck.

[Urtė Caspo · Rating 1 out of 5]

Sveika, varguomene 😘. Ar ir jūs pavargote gyventi užburtame finansinių ubagų gyvenimo rate? Jeigu taip, ši knygų kalėjimo rubrika skirta jums 🫡. Šiandien mano IG /Tiktoke u.caspo skaitom biznieriaus influencerio Grant Cardone šedevrą „Milijonieriaus užrašai: kaip tapti labai turtingu“ 💸.

Šie scamer'io užrašai – eilinis nuvalkiotų minčių kratinys apie tai, kad kiekvienam iš mūsų svarbu įsijausti į milijardierių vaidmenį, kad pinigai auga ant medžių, o socialinių ir ekonominių klasių barjerai finansinei sėkmei tiesiog neegzistuoja 🤣.

[Ivan Petrovic Markovic · Rating 3 out of 5]

First audiobook that I read(or heard lol). Not bad, it's the usual stuff that's been repeated over and over if you're into these kinds of books and subjects. Still, I picked up an idea or two. I speacially liked one sentence: "Millionaire is the new middle class".

[Brian Tucker · Rating 4 out of 5]

I love Grant. He's crazy as fuck, but he knows about money and business. I read all his stuff and follow his YouTube channel. Great resource if you'd like to expand your knowledge in the areas of sales, business, money, and life management/motivation.

[Logan Streondj · Rating 5 out of 5]

For what it is, basically an 80 minute lecture it was very good. He has a leisurely pace so I listened to it at 2x.

Main points are:

* "lose your middle class mind" be okay with becoming a millionaire
* "do the math" for how many payment installments would add up to a million dollars, figure out strategy later.
* "who has my money" only talking to people who have the money to buy your products.,
* "multiple streams of income",
* "maintain primary income flow",
* "live like you're broke" (putting all surplus into savings, out of state of lack there is more motivation),
* "invest in yourself" (self-improvement)
* let go of the haters and others that would drag you down.
* surround yourself with successful people and those that like self-improvement.

[Soheil · Rating 4 out of 5]

A short read on the millionaire mindset and strategies. If you have read anything from Grant Cardone, 80% of the material may be recycled (even personal anecdotes!). Mainly, the book offers you 8 strategic steps in which you can reach your first million dollars.

Yet, on the merit of its short length and the power of repetition over reinforcing new mindsets, I still recommend reading this book.

[D Parihar · Rating 1 out of 5]

It reads as if he was forced to write it to advertise his other products.

[Stefan Bruun · Rating 1 out of 5]

I got this author recommended by a friend, but I think I picked up the wrong book out of his authorship. It's a classic "get rich" book and didn't bring anything new to the table compared to the endless list of other similar books. The only pro of this book relative to other similar ones is that it is super short.

[Eat.Sleep.Lift.Read. · Rating 4 out of 5]

Decent advice from what I gather is a decent guy doing his thang and makin' mad green.

I do agree that it's easier than ever to make money. Cardone lays done 12 'rules' which may or may not lead you on the path to millionairedom.

Hyperbole, maybe - but sound advice nonetheless.

[Brandon Still · Rating 4 out of 5]

Simple and quick read. Mindset changer for those who want to do more, be more, and achieve more in how they pursue wealth and providing value for others. Good book to put into practice.

[Eloise Sunshine · Rating 3 out of 5]

A relatively short book where Grant shares his thoughts about the key aspects that helped him become successful and obtain financial security in his life.
In a way it was a very refreshing approach to writing as you only get the essence and no boring repetitions nor long empty descriptions that are way too common in books of this genre. Nobody likes their time wasted and Grant appreciates your effort of picking up and reading through what he has to say.
Not sure I'd survive 25 years with this poor man's lifestyle, but there is certainly a valid point in what he is trying to show in contrast. I do believe in self development, a life-long learning etc. You can lose everything you own in assets, but what you have invested in yourself, no inflation or collapse of the world economy can take away from you.

So, start from this book, and go work yourself up from here.

[Henry Stone · Rating 4 out of 5]

Mulle meeldis, sest siin ma sain teada kuidas äri ajada. Nii, et Tallinn, ole valmis. Siit tuleb miljonär.

[Laura A. Grace · Rating 4 out of 5]

"Complaining about your money situation never seems to make you more money."

My husband wanted me to read this book and have to admit that it was an eye-opening read. I appreciate the author's simplicity in explaining and sharing how it is possible to change your financial situations (though not through some easy, happy go lucky occur of events). Left the book with a new view towards money in general and wanting to work on changing my "middle-class" mind.

[Mal · Rating 1 out of 5]

Ended my suffering at chapter 5. This is hands down the worst book I have read in about a year or so. It is empty. It read like a marketing scam you could find a bad advertisement webpage. There is absolutely zero valuable piece of information. But most of all, the level of writing is as bad as a Donald Trump tweet. Terrible.
Help yourself : Do not spend a minute reading this trash.

[Lukasz · Rating 2 out of 5]

got recommendation about this one and delayed thinking it's BS. Guess what, it is ;) The only good thing about it is motivational part but it's also common sense. There is long standing tradition of people in US selling dreams to other people and this one seems to fit in.

[A · Rating 1 out of 5]

short book with 4 major notes:
1. do the math
2. whos got my money? who qualifies and get yourself known to them.
3. look for symbiotic growth
4. Surges (10x -- wait for opportunity)

[Cloupakis · Rating 2 out of 5]

Ok book. A lot of repetition. Increase money flow. Have multi flows. Save to invest, not to save.

[Ryan Jackson · Rating 1 out of 5]

Mostly devoid of any practical advice. I also think the author missed out on a lot of important life lessons in his quest for personal wealth.

[Reader · Rating 3 out of 5]

If you have never read any book on the topic of how to make serious money then this could be of use to you.
Luckily I have listened this short audiobook at 1.3x speed and Grant is not annoying as usual.

Also, WTH is with that statement of how he wrote this book in 2 hours?!

[Maryam Ishak · Rating 5 out of 5]

I didn’t expect to like this book as much as I did. What I love about this book is it teaches you to set realistic goals and expectations. The key difference in this book is a concept the author refers to as “surges“. Essentially you should aim to get incrementally higher salaries by focusing on your current job position and figuring out ways to make more from what you are already doing. Essentially your goal should be to use what you already know and build on it instead of taking on secondary jobs/interests/careers and abandoning the first (unless there is an exceptional reason). What I also really liked about this book is the authors examples given from his personal experience. The author talks in great depth about the importance of working hard and putting aside the majority of your salary into an account for future investments. For example he only started making big investments in real estate after he had about $300,000 saved up. He also talks about the importance of living like you’re broke as you work your way up. In other words you should focus on living your life with the bare essentials as you continue to improve yourself. On the flip side, the author emphasizes that no one ever got rich by using coupons or saving alone. This touches on the essentialism school of thought, the importance of putting aside money into a “sacred account”, and planning ahead. “Who’s got my money” is a question the author repeatedly asks the reader to ask themselves. Plan! Plan! Plan a strategy to accumulate the money from the various people who have it. Map out how many people and how much money per person would be needed to reach your financial goals and strategize a plan.

[Candice · Rating 4 out of 5]

Great information on how to get wealthy. Teaches you little tid bits of how to get out of that middle class mind of "just getting by" and only saving for a emergency or disaster. It took Grant Cardone a long time to get where he is but not only that it took an unbelievable amount of courage and discipline. This would be a great read for my future kids when they are in their mid teens. I liked how there was a breakdown of how a lot of people make a million dollars in their lifetime but run through it or overlook it because they are acting like they "have money" when in reality they need to save and invest. My favorite line in the book was when Grant's friend said "Aw man I don't see you at the club anymore" and Grant responds saying "Well I don't see you at the bank anymore". Just shows you where your priorities should be as a young adult. Live like you are broke not poor. Pay the price today so you can any price tomorrow.

[Brendan Barrett · Rating 3 out of 5]

You can read this booklet in 20-30 minutes. G. Cardone of course recommends you re-read and keep it on your person until you're at least a millionaire. That's cute. But what's in this and will it teach you how to be a millionaire?

You better believe a <50 page book won't be enough. Big concepts is what is in here, which is essentially as much as anyone might expect. That might sound like a let-down, but I actually enjoyed it. I just might skim it over a few times because the steps in here are valid enough. One, for example, is to ask the question "Who has my money?" after a few other steps are taken. Sounds overly simplified but it's a fair question to ask if you're looking to expand your business or personal income.

[Cullen Haynes · Rating 5 out of 5]

Despite the click-bait-esque title, the content of this little book is both engaging and insightful. The author, Cardone, is a self-made entrepreneur, who with no capital, limited contacts and lack of a Uni education now operates a $100M Sales empire and over a $1B in property holdings. Although some of his steps are just common sense platitudes and others requiring only a sleight shift in mindset; Cardone's desire for everyone to self-actualize and sincerity comes through in his writing and Southern style. Yippee ki yay...

[Pavlo Tkachenko · Rating 4 out of 5]

1. «Очень мало кто знает, как заработать деньги, ещё меньше людей понимают, как сохранить их, и почти никто не смыслит в том, как их приумножить».
2. «Никогда не слушайте неудачников и лицемеров».
3. «Богатство, даже баснословное богатство, должно быть не темой табу, а скорее вашим боевым призывом».
4. «Когда человек воспитывается в бедной семье или в семье среднего класса, он наследует их убеждения».
5. Вернёмся к тому, сделают ли вас деньги счастливыми. Могу вам точно сказать, что они не сделают вас ни счастливыми, ни несчастными. Я бывал и счастливым, и несчастным; и бедным, и очень богатым. Деньги и счастье вообще никак не связаны между собой. А те, кто пытается их связать и вставить в одно предложение, просто придумывают оправдания, почему у них нет денег. Позвольте один совет из личного опыта: если уж вы несчастны, то при этом желательно быть как можно богаче.
6. Финансовая свобода на две трети зависит от того, что вы думаете, и на треть от того, что вы делаете. И сперва нужно разобраться со своими мыслями.
7. Для того, чтобы разбогатеть, нужно в основном нападать, а не защищаться.
8. Чтобы победить в денежной игре, нужно выйти на поле в роли нападающего. Уже потом, когда вы сильно лидируете, можно перейти к защите. Но если вы хотите разбогатеть, то нельзя ни защищаться, ни быть зрителем, а кроме того, нужно иметь стратегию.
9. Богатство влияет на жизнь других, не только на вашу, и если вы ограничиваете свои финансы, то это обесценивает и принижает ваши способности.
10. «Не иметь денег — безумство».
11. «Первый шаг на пути к баснословному богатству — решение, а затем нужно отбросить мышление среднего класса».
12. «Сперва проведите расчёты, чтобы увериться в возможности достижения цели, а затем разработайте стратегию».
13. Деньги текут к тем, кто уделяет им больше всего внимания, и к тем, кто принимает на себя больше всего ответственности за них.
14. Благосостояние во что бы то ни стало. Жалобы, стоны и нытьё не поднимут ваш доход.
15. Жалобы, стоны и нытьё не поднимут ваш доход. Прямо сейчас бесповоротно решите разбогатеть и заработать состояние, ведите себя этично на пути к цели и во что бы то ни стало добивайтесь её до тех пор, пока не добьётесь. Давайте посмотрим правде в глаза: быть бедным и нищим — неэтично.
16. Если проводить всё своё время с теми, кто не в состоянии платить, то вы станете таким же. «У кого мои деньги?» — один из самых мощных принципов для того, чтобы обеспечить себе богатство, состояние и время».
17. «Когда ваши цели достаточно высоки, вы перестанете себя обманывать и придумывать глупые оправдания».
18. «В любом бизнесе важнее всего научиться продажам». А продажи, попросту говоря, это: «У кого мои деньги?»
19. Люди действуют лучше всего тогда, когда есть сильная необходимость.
20. Лицемеры и притворщики спят долго, будто они богаты, а я встаю рано и работаю так, будто я беден. И они, и я себя обманываем, но только результаты — совсем разные.
21. Если к идее прибавить трудолюбие, умноженное на продолжительное время, а затем к этому всему ещё прибавить самодисциплину, то в итоге всегда получится успех.
22. Идея + (Трудолюбие X Время) + Самодисциплина = УСПЕХ
23. Если копить деньги и прибавить к этому работу на протяжении длительного времени, а ещё и дисциплину, то у вас получится финансовый успех.
24. С двадцати пяти лет и до того, как мне исполнился пятьдесят один, я не пил спиртного, не ходил на вечеринки, не щеголял и не разъезжал на дорогих машинах; у меня были одни часы, и я почти не ездил в отпуск.
25. Оставайтесь без денег, не будучи бедным, и ограничивайте себя сейчас, чтобы в будущем можно было достичь финансовой свободы. А можно более поэтично: не скупитесь ни на какую цену сегодня, чтобы купить за любую цену завтра.
26. Если вы знаете, что перед вами то, что надо, — ставьте всё на кон и действуйте быстро. Скорость — это могущество.
27. Следовать своей формуле: увеличивать доход, копить деньги для инвестиций, расширяться шаг за шагом и рывками и готовиться к будущим капиталовложениям.
28. Никогда не забрасывайте основные источники дохода до тех пор, пока более поздние источники не станут такими стабильными (если это вообще случится), что ничто не может их ослабить или уничтожить.
29. Что просто — то работает.
30. Первым делом поднимите свой доход, затем дополните его вторым — симбиозным — источником, расширив то, что вы уже и так делаете. Откладывайте все избыточные деньги, чтобы когда-нибудь их вложить. Будьте уверены, что ваше вложение — не риск и не рулетка, а надёжное дело! Инвестиции должны принести вам больше новых источников дохода и новое богатство. А это, в свою очередь, позволит вам снова инвестировать, и всё это приведёт к тому, что у вас будут дополнительные — более пассивные — источники дохода и в то же вам не придётся отвлекаться от более ранних.
31. Вам придётся от чего-то отказаться, а скорее всего — от многого. Первое — вам придётся распрощаться со своим мышлением среднего класса. Второе — надо будет отказаться от тех развлечений, которые все считают веселыми и приятными.
32. Первый признак того, что вы на верном пути, — это когда ваши близкие или друзья начнут спрашивать вас: зачем, почему и для чего вы так много трудитесь.
33. «Когда вы меняетесь к лучшему, то можете стать угрозой для всех тех, кто этого не делает».
34. Если вокруг вас не такие люди, как вам бы хотелось, то пойдите и найдите тех, кто вам нужен. Один из успешных способов найти таких людей — это вкладывать в себя.
35. Самое надёжное вложение в вашей жизни — это ВЫ, это и должно быть вашей инвестицией.

[Roberto G · Rating 4 out of 5]

Great little read, short sweet and to the point. Practical & straight forward, simple, no non-sense approach to gaining wealth and the lifestyle you want.

If you like this you will love The Millionaire Fastlane by MJ Demarco. Highly recommend it.
If you have any personal recommendations please let me know, thanks.

[Marcin Jamroz · Rating 5 out of 5]

I really liked the booklet. Straightforward booklet on how to handle your fundamentals, which is your mind.
Helps you crack the right mindset and ask the appropriate questions.
And the trick with math and calculating your way to a Million definitely surprised me positively.
Loads of value for such a short book/booklet

[Spencer Hamilton · Rating 5 out of 5]

A short and sweet 1 1/2 Hour read. Lots of passages worth highlighting and reading back through. Could have been read much quicker, but there were quite a few profound statements that were worth taking some time to reflect on. All in all, it’s something that everyone that wants to be a provider should go out and read!

[Christopher · Rating 5 out of 5]

Many nuggets of gold here. Grant's gift here is taking highly complex topics of wealth creation and personal finance, and distills them down into simplistic terms.

I've read 4 or 5 other books from Grant, and this by far is the best (and shortest). Straight to the point type of actionable information, no filler or fluff.

[David Skinner · Rating 3 out of 5]

Not a lot of new information here. I love Grant - but this isn’t going to change your life if you listen to much Grant on a regular basis.