Five Areas of Financial Success

1. Integrity
   1. The number one quality of first generation millionaires in integrity
   2. Warren Buffet states that, “Integrity, Intelligence and Energy are qualities he looks for in employees. If they don’t have integrity, you don’t want the other two, instead you would prefer dumb and lazy.”
2. Effort
   1. The one thing you can control
   2. You will get out of it; what you put into it.
3. No credit cards
   1. It’s easier to stay out of debt; then get out of debt
   2. If you can’t pay for it; don’t buy it.
4. Investing regularly
   1. It is better to receive interest; than pay interest
   2. “One of the most common causes of failure is the habit of quitting when one is overtaken by temporary defeat.” –Napoleon Hill
5. Wealth is not how much you earn
   1. Income is how much money you earn in a given period of time. If you earn a million in a year and spend it all, you add nothing to your wealth. You’re just living lavishly.
   2. Those who focus only on net income as a measure of economic success are ignoring the most important measuring stick of financial independence. It’s not how much you make, it’s how much you keep.

 *”Failure is a trickster: It takes great delight in tripping one when Success is almost within reach.” –Napoleon Hill

 *”Poor is a state of mind, Broke is I’m just passing through.  I’m not going to live here long. I don’t like this place.” –Dave Ramsey

*Giving is the Life Blood of the Believer.