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There is always money! Boost your financial intelligence!
Vladimir S. Lavrov
Money is the product of your intellect. It is your financial intelligence that is responsible for how much money do you have!But where does the money actually come from? What is their price? Why do some people get money easily, and others – with difficulty? How to upgrade your financial intelligence and start getting rich? You will learn about all this from this book.
There is always money!
Boost your financial intelligence!
Vladimir S. Lavrov
Cover designer Southern Railway System (1921)
© Vladimir S. Lavrov, 2020
© Southern Railway System (1921), cover design, 2020
ISBNВ 978-5-0051-9712-2
Created with Ridero smart publishing system
Introduction. How does your financial intelligence actually work?
Curiously, financial intelligence, which is the subject ofВ so much fuss when it comes toВ money, is really just one facet ofВ your powerful intelligence. That is, it does not exist apart from other types ofВ intelligence. Accordingly, inВ order toВ understand how financial intelligence works, you need toВ understand how intelligence works inВ general.
What is intelligence inВ general?
Intelligence is the ability toВ solve various life tasks, find aВ way out ofВ difficult situations and achieve the desired results. Moreover, theВ results achieved always correspond toВ the level ofВ development ofВ one or another facet ofВ your intelligence. Good health and athletic performance are indicative ofВ high bodily intelligence. Success inВ career and communication speaks for high emotional intelligence. Family happiness and charismatic attractiveness speak ofВ high sexual intelligence. AndВ financial success and an abundance ofВ free time speak volumes about high financial intelligence.
Achievements inВ one area ofВ life do not automatically lead toВ achievements inВ other areas ofВ life. However, there are always certain chains ofВ sequences and patterns, when one facet ofВ intelligence strengthens another, connected with it, and contributes toВ success inВ related areas. For example, learning success (cognitive intelligence) strengthens analytical and creative intelligence, while creative success inВ turn strengthens speech and cognitive intelligence.
Perception, thinking, memory, attention, imagination, planning, speech and actions are the main tools of the intellect, with the help of which it, in fact, solves the tasks before you. The way you relate to certain situations, what you think, what you remember, what you pay attention to, what you dream about, what you plan, what you talk about and how you act – all this does not just characterize you as a person, but is a reflection your intelligence. The higher it is, the easier, faster and more correctly you solve certain life tasks.
How are things going with financial intelligence? Financial intelligence is the ability toВ solve various monetary issues and achieve the desired results inВ the field ofВ money. At the same time, financial intelligence is born at the junction ofВ the interaction ofВ emotional and sexual intelligence, which, inВ turn, are based on bodily intelligence:
Interaction ofВ intelligences
We will not touch upon bodily, emotional and sexual intelligence inВ this book. This is aВ topic for aВ separate book. We will only touch on financial intelligence. But keep inВ mind that it does not function byВ itself, but inВ active interaction with other parts ofВ the intellect.
At the same time, financial intelligence is aВ skill that lends itself toВ training and can be easily measured byВ key indicatorsВ (cost ofВ an hour ofВ time, rate ofВ monthly income, delta size[1 - delta is the difference between money spent and invested inВ investment capital]В and total asset value). ByВ and large, training financial intelligence includes changing attitudes towards money, raising financial expectations (financial thermostat, financial goals, financial plan), transforming thinking strategies and pumping skills that are responsible for growth inВ key indicators (for example, systemic decision-making skill inВ uncertainty or systemic problem solving skill).
Financial intelligence is based on aВ financial program and aВ financial scenario based on aВ certain attitude towards money and financial expectations. Financial expectations can be completely different, and the attitude towards money can be negative, conditionally negative, neutral or positive. The financial scenarioВ can be negative (financial dependence scenario), positive (financial security scenario), natural (financial independence scenario), and absolute (financial freedom scenario). Financial programsВ also four: this is aВ bankruptcy program (when aВ person spends more than he earns and lives inВ debt), aВ poverty program (when aВ person spends everything that he earns), aВ delayed poverty program (when aВ person spends everything that he earns, but not immediately) and aВ program wealth (when aВ person sets aside part ofВ their income and creates investment capital).
At the same time, financial intelligence has the same 8В tools at its disposal as intelligence inВ general. It is with their help that he solves all the financial problems facing you. So ask yourself:
– perception: how do I react to life circumstances? Is it aggressive or calm? Do I avoid or overcome difficulties?
– thinking: what do I think about money? How do I think about money and opportunities – positively or negatively?
– memory: what do I know about money? What is my memory clogged with?
– attention: what am I focusing on? Is it abundance or scarcity? Is there enough money in my reality or not enough?
– imagination: what am I dreaming about? What picture in my imagination about money am I painting?
– planning: what am I planning? What’s my enrichment plan? How do I plan to manage my time and money?
– speech: what am I talking about money? Who and what do I communicate with?
– actions: what am I doing to increase my value to society and earn more?
InВ addition toВ these tools, financial intelligence has 16В main markers byВ which you can track its developmentВ :
Markers for the development ofВ your financial intelligence.Where are you now? And where would you like toВ be inВ aВ year? What kind ofВ life do you choose for yourself? The same as the majority? What if you couldВ improve your financial intelligenceВ andВ be among the 10% ofВ the richest and most successful people on the planet? How would your life change then? Think aboutВ it!
After looking closely at this table, you will immediately understand aВ lot. If you have aВ negative attitude towards core values, this will prevent you from attracting good money into your life and keeping it. If aВ poverty program is running inВ your head, it will prevent you from living the life ofВ your dreams. If the cost ofВ an hour ofВ your time is below the norm, if you have no assets, if you invest money and time inВ the wrong things that rich and successful people invest in, what do you want? How can money come into your life?
Train your thinking! Upgrade your financial intelligence! How? To get started, print a Pivot Table with 16 financial intelligence markers and hang it up in a prominent place to remind yourself of the most important things in your life! Use this chart to improve your life! And don’t stop there! Go on and on! Learn everything about money, financial intelligence, financial literacy and mindset transformation! In this book, you will find a number of practices that will help you pump your financial intelligence and reach new levels of income.
Fear nothing! You will definitely succeed! Your rich brain is sure toВ win the battle against the poor brain if you side with it! The main thing is never, never, never give up! Change your attitude towards money, set ambitious financial goals, overcome difficulties, increase the value ofВ your hour, increase the total value ofВ your assets, and never stop learning! If you are serious, thenВ you will definitely succeed!
P.S.В Initially, the book was written inВ Russian and only after that it was translated into English. Due toВ the specific differences between Russian and English, the author could allow minor inaccuracies inВ the translation. Do not judge strictly, for the English language for the author is not native. If possible, treat indulgently with possible mistakes and wrong words inВ the text. Remember that only those who do nothing do not make mistakes! Try toВ understand the essence ofВ what the author wanted toВ say. Then you will get the most benefit from reading this book.
Lesson number 1. Cost perВ hour
Theory
Time is the most important and invaluable resource that cannot be bought, stopped, extended or prepared for future use. It just flows, but aВ lot depends on the efficiency ofВ its use, both inВ work, and inВ creativity, and inВ business, and inВ relationships.
Therefore, it is important to immediately understand how much your time is worth. And then – to understand how to dispose of them wisely.
The cost ofВ an hour ofВ your time is one ofВ the main indicators ofВ the level ofВ development ofВ your financial intelligence (other key indicators ofВ the level ofВ development ofВ financial intelligence are the scale ofВ financial goals, delta size, and total cost ofВ capital). The higher your financial intelligence, the higher the cost per hour ofВ your time (as well as the scale ofВ financial goals, delta size and total cost ofВ capital).
To determine how much one hour of your life is really worth, take your monthly income and divide it by the number of hours you spend working. If you work for an employee in a government organization, then this is usually the standard 170—180 hours per month (provided that you live close to work and do not spend a lot of time traveling). If you work in a commercial structure or build your own business and devote more than 8 hours a day to work, then add the required number of hours to the standard working time, and then add to this amount the time you spend on the road to work and home, and then calculate the real cost of your time using the formula:
monthly income / working hours per month = the real cost ofВ an hour inВ yourВ life
Let’s say 30,000 rubles. / 180 hours = 166 p. in hour. Or 100,000 rubles. / 80 hours = 1250 p. in hour.
The cost ofВ one hour ofВ yourВ life
Practice
Calculate theВ cost per hour ofВ your working timeВ using the formula above.
If you are aВ wage earner, take your monthly income and divide it byВ the number ofВ hours you spend inВ aВ month working and commuting from / toВ work.
If you are working as aВ self-employed or sole proprietor, divide the cost ofВ your services byВ the number ofВ hours you work. If you receive money not for the result, but for the time (for example, you consult or teach with an initial reference toВ the cost ofВ an hour), then take as aВ starting point the lowest cost threshold, below which you do not take on work.
If you are an investor (that is, you live on income from capital) or have several sources ofВ income, then calculate the average monthly total income and divide it byВ the number ofВ hours you spend per month working.
Remember the resulting cost ofВ time. This is your point AВ (the point where you are right now). Think ofВ what should ideally be aВ point B (cost ofВ one hour ofВ your time inВ aВ year), point B (cost ofВ one hour ofВ your time inВ 5В years) and point D (cost ofВ one hour ofВ your time inВ 10В years).
Results
В В В В Record the calculation results inВ the table:
Now that you know the value of your time, you can consciously spend your money shopping. Let’s say if you spend 500 rubles. per book, you understand that this price is equivalent to 3 hours of your work. If you need to buy shoes or a dress for 5,000 rubles, you understand that this price is equivalent to 30 hours of your work or 4 full working days. If you need to buy a sofa or a table for 15,000 rubles, you understand that this price is equivalent to 90 hours of your work, or 11 full working days.
So, when you spend your earned money on goods and services – you are actually spending small chunks of your life! Understanding this, you will not waste money just like that, buying what you do not need. You will begin to analyze not how much a given purchase costs in rubles, but how much it costs in terms of the time of your life. And then you will buy some important things despite the high price in monetary terms, and on the contrary, you will refuse some important things, despite the low price in monetary terms.
Homework
Think about how you could add value toВ your time. Answer the following questions inВ writing:
– What am I good at? What exactly do I get money for?
____________________________________________________________________
____________________________________________________________________
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– How can you increase your income by investing less time in your work than you do now?
____________________________________________________________________
____________________________________________________________________
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– What knowledge and skills do I need to acquire so that my value to the employer, determined by the cost of one hour of my work, doubles?
____________________________________________________________________
____________________________________________________________________
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– What can you invest the time freed from «extra work»
____________________________________________________________________
____________________________________________________________________
____________________________________________________________________
Continuing the topic:
Think about how much time is left inВ your account and how much it should really cost. Write down (inВ aВ notebook, inВ aВ notebook, inВ aВ diary, inВ your blog) what you learned today and what conclusions you made today:
What new have IВ learned?
____________________________________________________________________
____________________________________________________________________
____________________________________________________________________
What conclusions have IВ drawn?
____________________________________________________________________
____________________________________________________________________
____________________________________________________________________
Yes, it must be done in writing! Yes, it must be done! Yes, you need to do it now! Yes, if this is not done in writing and immediately, then it is not done at all. How do you – go to the second lesson.
Lesson number 2. Financial thermostat
Theory
One part ofВ our brain (guess which one!) Works like aВ thermostat. If the thermostat is set toВ 22В degrees, then the room temperature will be kept around 22В degrees, whatever it is outside. If the room gets colder or hotter, the thermostat will automatically work and return the temperature toВ the programmed level. The only way toВ change the temperature inВ the room where the thermostat is working is toВ reprogram the thermostat!
Our brain has aВ similar internal thermostat. InВ numerical terms, the financial thermostat is always equal toВ your average monthly income. If on average you earn 50,000В rubles aВ month and you are relatively comfortable at the same time, then your financial thermostat is set at exactly 50,000В rubles. This is your norm.
If you have convinced yourself (or allowed other people toВ convince you) that your norm is 20,000В rubles per month, then your internal thermostat will be set toВ 20,000В rubles per month. Whatever happens around, you will look for an opportunity toВ get your 20,000В rubles per month!
If you have convinced yourself that your monthly norm is 100,000В rubles, then your internal thermostat will be set exactly for this amount and will not let you calm down until you fulfill your norm.
The financial thermostat is the image that paints your imagination about what specific level ofВ income you are worthy of. And this very image is at the heart ofВ your financial program. As an accurate reflection ofВ your current income level, the financial thermostat dictates your standard ofВ living. Whatever the amount ofВ your rate, you cannot afford toВ earn less. You will look for an opportunity toВ fulfill the quota byВ all means. And if you accidentally overwork, your internal thermostat will force you toВ quickly flush out the excess and get you back toВ normal.
For poor and beggars people, the financial thermostat is limited toВ the cost ofВ living. Therefore, they avoid risk byВ any means and save on everything. Rich and wealthy people, on the other hand, set their financial thermostat for exorbitant amounts that frighten ordinary people. The amounts that they imagine inВ their imaginations are hundreds and thousands ofВ times higher than the amounts that poor and beggars people agree to! Therefore, they are not afraid toВ take risks and instead ofВ saving, they constantly increase their income.
Financial thermostat
Practice
Reprogram your internal thermostat.
Be clear about your ideal financial result.
What is my monthly rate now (point A)? __________ R. per month
What is my ideal monthly rate (point B)? __________ R. per month
Write down wherever you can (on aВ notebook, on aВ calendar, inВ the margins ofВ books, on aВ bathroom mirror, etc.) the ideal amount, which means some next level ofВ income you are striving for. Only the amount, no comments or explanations. But wherever you can. So that she constantly catches your eye. So that you getВ used toВ this amountВ and it seems toВ you normal, familiar. This technique helped at one time the disgraced oligarch Boris Berezovsky toВ increase his super profits. She will help youВ too.
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notes
Примечания
1
delta is the difference between money spent and invested inВ investment capital
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