부는 바로 옆에있다

제 인생을 살면서 깨달은 것은 사람과 성공 사이에 가장 큰 장애물은 재능이나 자원의 부족이 아니라 그들이 채택하는 습관이라는 점입니다 사람들을 같은 사이클에 묶어 두는 습관 반면 다른 사람들은 앞으로 나아가며 사업을 창출하고 해결책을 찾으며 영합니다 오늘 저는 부자들이 필사적으로 피하는 가난한 사고방식의 사람들이 흔히 가지는 몇 가지 습관을 여러분과 공유하고자 합니다 이러한 습관을 이해하는 것이 여러분의 사고방식과 행동을 바꾸고 궁극적으로 삶을 변화시키는 열쇠가 될 수 있습니다 왜냐하면 결국 어디서 시작했는지는 중요하지 않습니다 중요한 것은 매일 내리는 결정이며 이러한 결정은 여러분이 버리거나 채택하기로 선택한 습관에서 시작됩니다 첫 번째는 비입니다 제가 삶을 변화시키고자 하는 사람들과 때마다 항상 느끼는 것은 그들 중 많은 사람이 소비에 초점을 맞추고 있다는 것입니다이는 비판이 아니라 현실입니다 우리는 끊임없이 구매해야 할 것 시청해야 할 콘텐츠 따라야 할 트렌드로 폭격을 받습니다 그러나 더

 

 

큰 무언가를 이루고 싶다면이 패턴을 바꿔야 합니다 소비하는 것보다 창조하는 것을 시작해야 합니다 저는 가난한 사고방식을 가진 사람 람들 대부분의 시간을 소비자로 보낸다고 말하곤 합니다 그들은 제품 콘텐츠 엔터테인먼트를 소비하지만 자신이 무엇을 창조할 수 있는지는 거의 생각하지 않습니다 반면 불을 쌓는 사람들은 항상 다른 사람들에게 가치를 창출하는 방법을 생각합니다이는 사업 제품 서비스 또는 심지어 아이디어를 통해 이루어질 수 있습니다 중요한 점은 창조하는 사람이 자신의 주변 세계를 변화시킬 수 있는 힘을 가진다는 것입니다 우리가 알리바바를 시작했을 때 시장의 거인들과 경쟁할 자원이나 인프라가 없었습니다 그러나 저는 하나의 필요성을 알고 있었습니다 중국의 중소기업들은 전 세계에 자신들의 제품을 판매할 방법이 필요했습니다 제가 무엇을 소비하거나 얻을 수 있을지 생각하기보다는 제 팀과 저는 솔루션을 만드는데 집중했습니다 우리는 소비자로서 생각하는 것을 멈추고 창조자로서 생각하기 시작했습니다

 

 

그리고 이것이 큰 차이입니다 소비하면 여러분은 다른 사람들이 이미 만든 것에 의존하게 됩니다 하지만 창조하면 여러분은 통제권을 가집니다 여러분이 원하는 영향을 결정하고 전달하고 싶은 가치를 결정하는 사람은 바로 여러분입니다 두 번째 습관은 바로이 과도한 소비 사고 방식을 진정으로 부추기는 주 입니다 그것은 바로 재정 교육의 부족입니다이는 사람들이 어디에 살든 얼마나 많은 돈을 벌든 상관없이 많은 사람들에게 영향을 미칩니다 한번 생각해 보세요 대부분의 사람들은 수년간 학교에서 수학 과학 역사 등을 배우지만 돈을 다루는 방법에 대해 배운 사람은 얼마나 될까요 거의 아무도 없습니다 문제는 바로 거기에서 시작됩니다 돈이 어떻게 작동하는지이 이자가 무엇인지 아시나요 신용은 어떻게 작동하나요 투자란 무엇을 의미하나요 이런 지식이 없다면 현명한 재정 결정을 내리는 것은 거의 불가능합니다 사람들은 그냥 소비해야 한다고 생각해서 돈을 쓰고 누군가가 저축이 옳다고 해서 저축하지 왜 그런지 깊이 생각해보지 않습니다 제가

 

 

실질적인 예를 하나 들어볼게요 대출을 받는다고 상상해 보세요 판매원이 할부 금액을 보여주며이 정도는 낼 수 있겠다라고 생각하게 만듭니다 그러나 그가 설명하지 않는 것은 그리고 여러분이 아마 물어볼 생각도 못했을 시간에 따라 지불하게 될 이자의 총액입니다 결국 좋은 거래처럼 보였던 것이 엄청난 재정적 부담으로 변하게 됩니다 왜일까요 돈이 실제로 어떻게 작동하는지 이해하지 못한 상태로 그 상황에 들어갔기 때문입니다 더 위험한게 뭔지 아시나요 바로 지식의 부족이 만들어내는 악순환입니다 생각 없이 돈을 쓰고 빚을 쌓고 나중에 지출을 줄이려고 노력하지만 습관은 바꾸지 않습니다 그래서 제가 배운 중요한 것을 꼭 기억하세요 재정 교육은 부자가 되는 것이 아니라 가지고 있는 것을 어떻게 사용하는지를 아는 것입니다 여러분이 많은 돈을 벌든 적은 돈을 벌든 이제 막 시작했든 이미 기반이 있든 상관없습니다 돈이 어떻게 작동하는지 이해하면 여러분은 통제권을 갖게 됩니다 선택을 할 수 있는 능력을 얻게 됩니다 그러니 작은 단계부터

 

 

시작하세요 심지어 관련된 책을 읽거나 이런 영상을 보는 것만으로도 충분합니다 이렇게 통제되지 않은 소비와 최소한의 재정 지식조차 없는 사고 방식은 우리를 세 번째 습관으로 이끕니다 바로 시간에 관한 것입니다 제가 요즘 가장 많이 보는 것 중 하나는 사람들이 하루 중 몇 시간을 휴대폰 화면을 스크롤하며 보내거나 무작위로 영상을 보거나 아무런 유익함 없는 프로그램에 시간을 낭비하는 모습입니다 그런데 이게 왜 문제일까요 단순히 시간을 잃는 것만이 아닙니다 그 시간에 여러분이 무엇을 할 수 있었을지 생각해 보세요 저는 항상 시간이야말로 가장 민주적인 자원이라고 말합니다 부자든 가난한 람이든 성공한 사람이든 아니든 우리 모두 하루에 스 시간을 똑같이 가지고 있습니다 사람들 사이의 차이를 만드는 것은 그들이 가진 돈이 아니라 그 시간을 어떻게 사용하느냐 목적없이 미디어를 소비하는 것은 여러분이 가진 가장 소중한 자산 중 하나를 낭비하는 것과 같습니다 여기서 중요한 점은 여러분이 절대 엔터테인먼트를 즐기지 말라는 것이

 

 

 

아닙니다 여러분에게 즐거움을 주는 것을 포기하라는 아니라 균을 맞추는 것입니다 시간을 조직적으로 사용하고 무의미한 일로 시간을 낭비하지 않는 것이 중요합니다 만약 여러분이 삶에서 무언가 다른 것을 원한다면 시간을 의도적으로 사용해야 합니다 한번 생각해 보세요 오늘날 단순히 화면을 스크롤하는 소비하는 시간으로 무엇을 할 수 있을까요 아마도 새로운 기술을 배우거나 책을 읽거나 여러분을 괴롭히는 문제에 대한 해결 책을 생각할 수도 있습니다 거창할 필요는 없습니다 하루에 단 30분이라도 여러분에게 진정으로 중요한 무언가에 집중하여 최소한의 결과라도 얻는데 사용하면 됩니다네 번째 습관은 가장 흔하면서도 여러분이 분명 한 번쯤은 해봤을 습관입니다 하지만 항상 가장 효과적인 방법은 아닙니다 저는 많은 사람들이 몇 푼을 아끼기 위해 몇 시간을 보내는 것을 보았습니다 가장 저렴한 레스토랑을 선택하거나 쇼핑 비용을 절약하기 위해 세 곳에 매장을 방문하거나 연료비를 줄이기 위해 수미를 운전하는 경우 말이죠 그리고

 

 

그런 모습을 볼 때마다 항상 이런 생각을 합니다 그들이 소비한 시간의 가치는 얼마일까요 제가 돈을 절약하는 것의 중요성을 무시하라고 말하는 것은 아닙니다 돈을 책임감 있게 사용하는 것은 물론 중요합니다 그러나 현명하게 절약하는 것과 장기적으로 거의 또는 전혀 영향을 미치지 않는 일에 시간을 낭비하는 것 사이에는 미묘한 차이가 있습니다 몇 년 전 들었던 이야기가 생각납니다 한 남자가 세 탁수 비용을 아끼기 위해 하루 종일 손으로 빨래를 했다는 이야기였습니다 그는 너무 피곤해서 다른 아무것도 할 에너지가 없었습니다 그 순간에는 큰 절약처럼 보였을지 모르지만 한번 생각해 보세요 그가 그 시간 동안 얼마나 많은 기회와 시간을 잃었을까요 진짜 중요한 질문은 그가 그 시간을 사용하여 어떤 가치를 창출할 수 있었는가 있니다이 사고 방식은 기회를 보는 사람과 같은 자리에 머무는 사람 간의 큰 차이 중 하나입니다 성공한 사람들은 시간이 돈보다 더 소중한 자원임을 이해합니다 많은 사람들이 몇 센트를

 

 

절약하기 위해 시간을 소비하는 동안 부자들은 문제를 해결하거나 새로운 솔루션을 만드는 방법에 대해 생각하며 시간을 사용합니다 아마도 여러분은 몇 시간을 소비하여 약간의 돈을 아끼고 있을지 모릅니다 하지만 그 시간을 사용하여 새로운 무언가를 배운다면 어떻게 될까요 수입을 늘릴 수 있는 기술을 개발하거나 삶을 변화시킬 아이디어를 생각하는데 사용한다면 여기 예를 하나 들어 볼게요 여러분이 슈퍼마켓에서 절약하려고 한다고 상상해 보세요 가격을 조사하고 할인 항목을 비교하며 매장을 돌아다니는 몇 시간을 보니다 하루가 끝나면 약 2만 원을 약했을 수도 있습니다 이제 그 시간에 더 나은 직업을 얻거나 부어 프로젝트를 시작하거나 작은 비즈니스를 시작할 수 있는 무언가를 공부했다고 상상해 보세요 여러분이 절약한 만원은 그 시간에 창출할 수 있었던 가치와 결코 비교할 수 없습니다 문제는 절약을 멈추는 것이 아니라 현명하게 절약하는 것입니다 언제 가치가 있는지 투자에 비해 보상이 단순히 가치가 없는지를 아는 것입니다 성공하는

 

 

 

사람들은 모든 것을 완벽하게 해내는 사람들이 아니라 우선순위를 정하는 법을 배운 사람들입니다 가치가 낮은 작업에는 아니요라고 말하고 더 큰 영향을 미치는 활동에는 예라고 말하는 법을 배웁니다 결국 선택은 여러분에게 달려 있습니다 적은 금액을 절약하기 위해 시간을 소비할 수도 있고 아니면 그 시간을 여러분의 삶을 진정으로 변화시킬 수 있는 무언가에 투자하기 시작할 수도 있습니다 다섯 번째 습관은 많은 사람들에게 심각한 해를 끼치는 것으로 바로 돈을 가만히 두고 전략적으로 활용하지 않는 것입니다이는 특히 재정을 정리하기 시작하는 사람들에게서 흔히 볼 수 있는 행동입니다 은행 계좌에 돈을 보관하거나 심지어 매트리스 밑에 숨겨 두는 생각은 안전하게 느껴질 수 있지만 현실적으로 움직이지 않는 돈은 매일 가치를 잃고 있습니다 인플레이션은 돈을 움직이지 않고 보관하는 사람들의 가장 큰 적 중 하나입니다 시간이 지남에 따라 돈의 가치를 줄어들게 합니다 오늘날 상당한 금액으로 보이는 것이 몇 년 후에는

 

 

구매력이 감소하게 됩니다 그렇기 때문에 돈을 가만히 두는 것은 잘못된 안정감을 줄 수 있습니다이는 마치 손으로 모래를 잡으려는 것과 같습니다 처음에는 단단해 보이지만 시간이 지나면 손가락 사이로 조금씩 흘러내립니다이는 단순히 인플레이션을 넘어섭니다 움직이지 않는 돈은 기회의 낭비입니다 돈이 정체되어 있는 동안 다른 사람들은 여러분의 자원을 사용하여 성장하고 있습니다 은행이 어떻게 운영되는지 생각해 보세요 은행은 여러분이 계좌에 남겨둔 돈을 가져가 다른 사람들에게 대출하거나 수익을 창출하는 자산에 투자합니다 그들은 돈이 그들을 위해 일하게 만드는데 반면 여러분은 소액의 수익만 얻거나 많은 경우 아무런 수익도 얻지 못합니다 돈을 물과 같다고 생각해 보세요 물을 한 곳에 오랫동안 가만히 두면 어떻게 될까요 증발하기 시작합니다 이제 그 물을 가져다가 식물을 관수한다 생각해보세요 어떻게 될까요 식물이 성장하고 뿌리를 내리며 시간이 지나면 열매를 맺을 수도 있습니다 이것이 부자들이 이해하고 가난한 사람들이 종종 인식하지 못하는

 

 

점입니다 돈은 가치를 창출하기 위해 끊임없이 움직여야 한다는 것입니다 그들은 돈이 더 많은 돈을 창출하기 위해 지속적으로 움직여야 한다는 것을 이해합니다 저축을 먼지 쌓이게 두지 않고 투자합니다이는 거대한 금액이나 위험한 투자가 아 입니다 전략과 일관성에 관한 것입니다 임대 수익을 창출할 수 있는 부동산 시간이 지남에 따라 성장하는 투자 펀드 안정적인 기업의 주식 심지어 소규모 사업까지 중요한 것은 어디서 시작하느냐가 아니라 돈이 여러분을 위해 일하게 만들겠다는 의도입니다 저는 수년 동안 자신이 옳은 길을 가고 있다고 믿으며 모든 돈을 저축한 사람들의 사례를 많이 보았습니다 문제가 된 것은 축 저축은 중요합니다 문제는 거기에서 멈췄다는 것입니다 그들이 돈을 보호하는 동안 돈은 가치가 하락하고 있었으며 그것을 배로 늘릴 기회는 무시되고 있었습니다 반면에 자원이 훨씬 적었지만 적은 금액으로 투자를 시작하고 재정에 대해 배우기로 결심했으며 시간이 지나면서 자신이 가진 작은 것을 훨씬 더 큰 것으로

 

 

변화시킨 사람들도 보았습니다 투자는 돈이 가만히 있어서는 안 된다는 것을 이해하는 것입니다 돈은 항상 움직이고 있어야 합니다 돈이 정체되어 있는 하루하루는 가치를 창출할 기회를 놓치고 있다는 의미입니다 여섯 번째 습관은 바로 빈 신용입니다 저는 이런 일이 계속해서 벌어지는 것을 봅니다 가치를 장기적으로 창출하지 않는 것들을 위해 초가 사용된 신용 카드 감과 삼각만두 물건을 구매하기 위한 대출 등이 그 예입니다 그런데 그 뒤에 숨어 있는 것이 뭔지 아시나요 그것은 종종 자라는 것입니다 제가 설명해 드리겠습니다 고가의 물건 최신형 스마트폰 명품 의류 혹은 감당할 수 없는 자동차을 구매할 때 실제로 무슨 일이 일어나는 걸까요 여러분은 타인의 인정을 사고 있는 것입니다 스스로에게 나는 멋져 보여야 해 나는 성공을 보여 줘야 해라고 말하고 있는 것입니다 하지만 사실 이런 구매는 대부분 자를 만족시키기 위한 것이며 여러분의 미래를 갉아먹고 있을뿐입니다 부자와 가난한 사람의 차이는 그들이 얼마나 버는지 아니라 돈을 어떻게

 

 

 

사용하는지에 있다 신용은 부의 착각을 만듭니다 지금 당장 모든 것을 가질 수 있는 것처럼 보이게 만듭니다 비록 그것을 감당할 수 없더라도 말입니다 하지만 그다음에 무슨 일이 벌어질까요 빚이 늘어나고 이자가 여러분의 수입을 갉아먹으며 처음에는 발전 는 부담으로 변합니다 이제 여러분의 정적 결정을 한번 생각해보세요 여러분도 필요하지 않은 물건을 사기 위해 신용을 사용했던 적이 있나요 내심 누군가를 시키거나 그순간 스스로 기분 좋게 느끼기 위해 구매했던 적이 있나요 이런 경험 때문에 자책하지 마세요 한번쯤은 그런 있 는 다르게 생각하기 시작해야 한다는 것입니다 그리고 오해하지 마세요 신용카드를 일상적인 구매에 사용하는 것은 전혀 문제가 없습니다 제가 말하고자 하는 것은 불필요한 소비와 정말 필요하지 않은 것을 위해 빚을지는 것에 대한 이야기입니다 감가 삼각대는 물건을 구매하기 위해 신용을 사용하는 대신이를 사용해 무언가를 구축하는 방법을 생각해보세요 아마도 여러분의 기술을 향상시킬 수 있는

 

 

 

강의에 투자하거나 추가적인 일을 시작할 수 있는 장비를 구매하거나 혹은 이익을 내고 되팔 수 있는 무언가에 투자할 수도 있을 것입니다 신용은 반드시 적이 될 필요는 없습니다 신용을 현명하게 사용할 줄 안다면 그것은 여러분의 동맹이 될 수 있습니다 여기 많은 사람들이 완전히 간과하는 것이 있습니다 바로 자기 자신에게 투자하는 것에 대한 두려움입니다리는 실 창출하지 않는 것들 비싼 옷 고급 저녁 식사 잠깐 사용하고 많은 물건에는 그렇게 많은 돈을 쓰면서도 정작 자신에게 투자하는 것에 있어서는 망설입니다 그것이 불필요한 지출이라고 생각하거나 나중으로 미뤄도 된다고 여깁니다 하지만 진실이 무엇인지 아시나요 여러분 자신이야말로 가장 큰 자산입니다 여러분이 스스로에게 투자하지 않으면 그 누구도 대신해주지 않을 것입니다 는 항상 지식은 절대 가치를 잃지 않는 유일한 투자라고 말합니다 여러분이 배우는 모든 것 여러분이 개발하는 모든 기술은 여러분 자신을 이루는 일부가 됩니다 그리고 물질적인 자산과 달리 아무도 그것을

 

 

 

여러분에게서 빼앗아 갈 수 없습니다 그럼에도 불구하고 많은 사람들이 이런 종류의 투자를 피하는 것을 봅니다 그들은 시간이 없어요 혹은 너무 비싸요 와 같은 말을 합니다 하지만 현실은 자신에게 투자하지 않으면 여러분 스스로의 성장을 제한하게 된다는 것입니다 우리는 실질적인 가치를 창출하지 않는 것들 비싼 옷 고급 저녁 식사 잠깐 사용하고 많은 물건 애는 그렇게 많은 돈을 쓰면서도 정작 자신에게 투자하는 것에 있어서는 망설입니다 그것이 불필요한 지출이라고 생각하거나 나중으로 밀어도 된다고 깁니다 진실이 무엇인지 아시나요 여러분 자신이야말로 가장 큰 자산입니다 여러분이 스스로에게 투자하지 않으면 그 누구도 대신 해 주지 않을 것입니다 여러분이 학습과 개인 성장을 향해 내딛는 모든 걸음은 비록 결과가 즉각적으로 나타나지 않더라도 성공의 한 걸음 더 가까워지게 합니다 여러분이 자신의 발전에 투자할 때 단순히 기술이나 지식을 쌓는 것을 넘어서는 무언가를 구축하고 있는 것입니다 자신감을 쌓고 회복 탄력성을 기르고 무엇보다 새로운

 

 

 

기회를 창출하고 있는 것입니다 세상은 끊임없이 변화하고 있으며 미래에 대비하는 가장 좋은 방법은 계속해서 배우는 것입니다 여덟 번째이자 가장 해로운 습관 중 하나는 바로 계획 없이 사는 것입니다 만약 여러분이 돈에 대한 계획이 없다면 돈은 사라질 방법을 스스로 찾아낼 것입니다 마나 많은을 중요하지 않 저는 높은 월급을 받으면서도 월급에서 월급으로 살아가는 사람들을 봐왔습니다 이들은 통제없이 자신이 가진 모든 것을 써버리기 때문입니다 반면 훨씬 적은 돈을 벌더라도 전략을 가지고 저축하고 투자하며 기회를 만들어가는 사람들도 있습니다 제가 말하는 계획은 복잡한 것을 의미하지 않습니다 거대한 스프레드시트 복잡한 계산이 필요하지 습니다 재정 계획은 간단한 것에서 시작할 수 있습니다 여러분이 얼마나 버는지 얼마나 쓰는지 그리고 얼마나 저축할 수 있는지를 아는 것입니다 기본적인 것처럼 보이지만 자신의 재정 상태에 대해 이러한 기본조차 알지 못하는 사람들이 얼마나 많은지 알게 되면 놀라실 겁니다 제가 경험을 통해 배운 한

 

 

 

가지를 말씀드릴게요 재정 계획은 단순히 돈에 관한 것이 아닙니다 그것은 자유에 관한 것입니다 여러분이 현재 위치와 앞으로 나아갈 방향을 정확히 알 때 결정은 훨씬 더 쉬워집니다 여러분은 월말에 청구서를 걱정하는 일을 멈추게 됩니다 왜냐하면 여러분은 이미 계획이 있기 때문입니다 여러분은 미래에 미칠 영향을 이해하기 때문에 중요하지 않은 것에 돈을 쓰는 일을 멈추게 됩니다 여기 간단한 예를 들어 월급이 250만 원인 사람이 있다고 가정해봅시다 계획이 없다면이 사람은 다음 달에 모든 돈을 써버립니다 갑작스러운 일이 발생했을 때 자동차 문제가 생기거나 예상치 못한 청구서가 발생했을 때이 사람은 해결할 방법이 없습니다 하지만 만약이 사람이 월급에 단 10% 비상금을 위해 저축한다면 얼마 지나지 않아 예상치 못한 상황에 비할 무가를 것 저거 보이겠지만 이렇게 시작하는 것이 바로 방법입니다 그리고 저축 이상으로 계획은 여러분이 투자할 수 있게 만듭니다 계획은 할 수 없어를 지금은 아니지만 곧 가능할 거야

 

 

 

바꿔줍니다 계획은 지금 우선순위인 것과 나중으로 미룰 수 있는 것을 명확히 분하게 해줍니다 계획은 느리더라도 성장을 가능하게 해주는 안정을 공합니다 마지막에서 두 번째 포인트를 말씀드릴게요 지금까지의 모든 것을 보완하는 요소입니다 명확하고 실현 가능한 목표의 부입니다 이것은 가장 흔한 실수 중 하나이며 종종 성공하는 사람들과 도중에 포기하는 사람들을 가르는 요소가 됩니다 많은 사람들이 너무 높고 현재 상황에 비현실적인 목표를 세우면서 길를 잃습니다 이것은 그들이 능력이 없어서가 아니라 목표가 그들이 아직 도달할 준비가 되지 않은 것을 요구했기 때문입니다 그리고 현실이 기대를 따라가지 못할 때 무슨 일이 벌어질까요 그들은 포기합니다 자신이 충분히 훌륭하지 않다고 생각하거나 운이 없다고 생각하거나 성공이 단순히 자신과는 거리가 멀다고 생각하게 됩니다 하지만 중요한 점을 말씀드릴게요 여러분이 큰 목표를 달성할 수 없다는 것이 아닙니다 그 목표에 도달하기 위해 조금 더 자격을 갖추어야 할 필요가

 

 

 

있다는 것입니다 그리고 그것은 괜찮습니다이는 여러분이 큰 꿈을 꾸는 것을 멈춰야 한다는 뜻이 아니라 그 큰 목표를 더 작은 단계로 나누어 달성 가능한 작은 목표를 세워서 진행을 느끼고 승리감을 얻으라는 뜻입니다 명확하고 달성 가능한 목표는 바로 그런 역할을 합니다 그것은 여러분에게 구조를 제공하고 방향성을 주며 무엇보다도 행 그 러분이 더많이 진할수록 더큰 도전에 설 준비가 된다는 느낌을 받게 됩니다 그러니 1년 안에 100만 장자가 되고 싶다라고 말하기보다는 스스로에게 이렇게 물어보세요 오늘 내가 재정 상태를 선하기 위해 현실적으로 할 수 있는 첫 번째 단계는 엇 아정을는 는은 아직지 못하는 시장에 해 배우는 것일 수 있습니다 중요한 것은 지금의 여러분과 일치 않은 목표를 우는 것이지만 동시에 여러분이 되고 싶은 모습으로 나아가도록 추진력을 주는 목표를 우는 것입니다 우리는 마지막 습관에 도달했습니다 아마도이 습관이 극복하기 가장 어려울 것입니다 된 위을 수하는 것을 는것 는 까지합니다는 어릴 때부터 안전하게

 

 

 

해라라는 가르침을 받고 잘못될 수 있는 것을 시도하지 말라고 배웁니다이는 보처럼 들릴 수 있지만 사실은 사람들이 성공에 도달하지 못하도록 막는 가장 큰 장애물 중 하나입니다 여러분이 감수할 수 있는 가장 큰 위험은 아무것도 시도하지는 것입니다 왜면 어 한다면 그것은 자동적으로 현재 위치에 머물겠다는 선택이 되기 때문입니다 하지만 세상은 기다려 주지 않습니다이 점이 저를 생각하게 했습니다 얼마나 많은 기회가 우리가 위험을 감수하는 것을 두려워하기 때문에 낭비되고 있을까요 위험은 적이 아닙니다 여러분에게 필요한 것은 계산된 위험입니다 그것은 계획 학습 그리고 물론 시도해보려는 용기와 함께 오는 위험입니다 그리고 그것보다 더 중요한 것은 실차도 여러분에게 무언가를 가르친다는 사실입니다 여러분이 시도하고 실패하면 무엇이 달라질까요 달라지는 점은 여러분이 경험과 실전을 얻게 된다는 것입니다 여러분이 관점을 바꾸어 보면 실패는 여러분에게 이점만 있다는 것을 알게 될 것입니다 사실 실패는 심리적인

 

 

 

것입니다 실는 존 하지 않습니다 왜냐하면 여러분은 항상 무언가를 얻게 되기 때문입니다이를 이해하는 것은 매우 해방감 있는 일입니다 제가 직접 경험한 이야기를 들려 드릴게요 제가 커리어를 시작했을 때 제가 성공할 거라고 말해 주는 것은 단 하나도 없었습니다 제 배경은 평범했고 자원도 많지 않았습니다 솔직히 말해서 시도해 보는 것보다 포기해야 할 이유가 더 많았습니다 하지만 무엇이 저를 밀어 붙였을까요 바로 제가 시도하지 않는다면 영원히 제자리에서 벗어나지 못할 것이라는 신이었습니다 저는 시도하다가 실패하는 것을 평생 만약에라는 질문을 하며 사는 것보다 더 나은 선택이라고 생각했습니다 그리고 바로이 사고 방식이 앞으로 나아가는 사람들과 뒤쳐지는 사람들을 가르는 차이점입니다 부자들은 위험을 피하지 않습니다 그들은 위험을 연구합니다 그들은 상황을 분석하고 적인 손실과 가능한 이익을 평가한 다음 정보에 근거한 결정을 내립니다 그들은 어떤 수익도 위험 없이 오지 않는다는 것을 알고 있지만 완전한

 

 

 

안전이란 환상이라는 것도 이해합니다 계산된 위험은 모든 것을 걸어야 한다는 의미가 아닙니다 그것은 더 큰 무언가를 향해 작은 걸음을 내딛는 것을 의미합니다 아마도 여러분이 한 번도 탐험해 보지 않은 시장에 대해 배우는데 조금의 시간 을 투자하는 것일 수 있습니다 아니면 새로운 아이디어를 시험하기 위해 약간의 돈을 사용하는 것일 수도 있습니다 또는 평소에는 아니요라고 말했을 무언가에 예라고 대답하는 것일 수도 있습니다 제 삶에 가장 큰 성공들을 제가 위험을 감수하기로 결심했던 순간들에서 나왔습니다 그것이 성공할 거라는 보장이 있어서가 아니라 시도해 볼 필요가 있다는 것을 알았기 때문입니다 그리고 제가 배운 것이 있습니다 일이 계획대로 되지 않더라도 여러분은 소중한 무언가를 얻게 됩니다 실패해 오는 배움은 성공만큼이나 중요합니다 그것은 여러분에게 가르침을 주고 여러분을 강하게 만들며 다음 기회를 준비시켜 줍니다 여러분이 성장하고 삶을 변화시키고 싶다면 위험이이 과정의 일부라는 것을 받아드려야

 

 

 

합니다이는 무모해는 것이 아니라 편안한 구역에서 벗어나는 것입니다 왜면 진정으로 큰 일들은 그 구역 밖에서 일어나기 때문입니다 여기까지 오셨다면 묻고 싶습니다 여러분 중 누가 자신의 성공에 진정으로 헌신하고 있나요 댓글로 나는 부자입니다 또는 나는 끝까지 왔습니다라고 남겨주세요 여러분 중 누가 사고방식을 바꾸고 다른 미래를 구축하려는 준비가 되어 있는지 보고 싶습니다 화면에 보이는 영상을 클릭하여 더많 을요 여기까지 함께해주셔서 감사합니다 이번 콘텐츠가 새로운 가능성을 보게 되는데 도움이 되었기를 진심으로 바랍니다 이제 가장 중요한 질문 여러분의 다음 단계는 무엇일까요

 

 

 

I've learned in my life that the biggest hurdle between people and success isn't a lack of talent or resources—it's the habits they choose. Some folks get stuck in the same cycle, while others move forward, creating businesses and finding solutions. Today, I want to share some habits commonly found in people with a poor mindset, which wealthy people desperately try to avoid. Understanding these habits can be the key to changing your perspective and behaviour, ultimately transforming your life. Ultimately, it doesn't matter where you started; what's important is the decisions you make every day, and those decisions stem from the habits you choose to keep or let go. The first thing I notice when talking to people who want to change their lives is that many focus on consumption. This isn't a criticism, just a reality. We're constantly bombarded with things we need to buy, shows we should watch, and trends we should follow. But more...

 

 

If you want to achieve something big, you must change this pattern. You have to start creating instead of just consuming. I often say that people with a poor mindset spend most of their time as consumers. They consume products, content, and entertainment but hardly think about what they can create. On the other hand, those who build wealth always think about creating value for others. This can be through business, products, services, or even ideas. The key point is that creators can change their surrounding world. When we started Alibaba, we didn’t have the resources or infrastructure to compete with the giants in the market. But I knew one thing: small businesses in China needed a way to sell their products globally. Instead of thinking about what I could consume or gain, my team and I focused on creating a solution. We stopped thinking like consumers and started thinking like creators.

 

 

And this is a big difference. When you consume, you depend on what others have already created. But when you make, you have control. You get to decide the impact you want to have and the values you want to convey. The second habit really encourages this excessive consumer mindset, and that’s due to a lack of financial education. This affects many people, no matter where they live or how much money they make. Think about it: most people spend years in school learning math, science, history, and so on, but how many actually learn how to handle money? Almost none. That’s where the problem starts. Do you know how money works? What about interest? How does credit work? What does investing really mean? Without that knowledge, making smart financial decisions is nearly impossible. People think they must spend money and save because someone said it’s the right thing to do without thinking about why.

 

 

Let me give you a practical example. Imagine you're getting a loan. The salesperson shows you the monthly payments and makes you think, "Yeah, I can handle that." But what they don’t tell you—something you probably wouldn’t even think to ask—is how much interest you’ll pay over time. Ultimately, what looked like a good deal can become a substantial financial burden. Why? Because you went into that situation without really understanding how money works. What’s even riskier? It’s the vicious cycle created by a lack of knowledge. You spend money without thinking, rack up debt, and then try to cut back later, but you don’t change your habits. So, here’s an important lesson: financial education isn’t about getting rich; it’s about knowing how to use what you have. It doesn’t matter if you make a lot or a little if you’re starting out or already have a foundation. When you understand how money works, you gain control. You get the power to make choices. So start with small steps.

 

 

"Go ahead; even reading related books or watching videos like this is enough. This mindset of uncontrolled consumption and having minimal financial knowledge leads us to the third habit, which is all about time. One of the things I notice the most these days is how people spend hours scrolling on their phones or watching random videos, wasting time on programs that offer no real benefits. But why is this a problem? It's not just about losing time. Think about what you could have done with that time. I always say that time is the most democratic resource. Whether you're rich or poor, successful or not, we all have the same 24 hours in a day. What makes the difference between people isn’t the money they have but how they use their time. Consuming media aimlessly is like wasting one of your most valuable assets. The important point here is not that you should never enjoy entertainment."

 

 

It's not about giving up on the things that bring joy to your life; it's about finding a balance. Using your time wisely is crucial, and not squander it on trivial matters. If you desire a change in your life, you need to be deliberate with your time. What could you accomplish instead of mindlessly scrolling through your screen? You could learn a new skill, read a book, or brainstorm solutions to issues that concern you. It doesn't have to be a monumental task. Even dedicating 30 minutes daily to something that truly matters to you can yield significant results. The fourth habit is quite common; chances are you've tried it at least once. But it's not always the best approach. I've seen many people spend hours to save a few bucks—like choosing the cheapest restaurant, visiting multiple stores to save on shopping, or driving around to save on gas.

 

 

Every time I see something like that, I can’t help but think about how much value the time they spent has. I'm not saying we should ignore the importance of saving money—being responsible with our finances is definitely crucial. But there’s a fine line between saving wisely and wasting time on things that hardly matter in the long run. I remember a story I heard a few years back about a guy who spent all day doing laundry by hand to save a few bucks. He was so worn out that he had no energy for anything else. It might have seemed like a considerable saving, but think about it: How many opportunities and time did he lose during that time? The real question is what value he could have created with those hours. This mindset highlights the difference between people who see opportunities and those who stay stuck. Successful people understand that time is a more valuable resource than money. A lot of folks get caught up over just a few cents.

 

 

While you're trying to save money, rich people are using their time to solve problems or come up with new solutions. You might be spending hours to save a bit of cash, but what if you used that time to learn something new? Like developing skills that could boost your income or brainstorming ideas to change your life. Think about it this way: imagine you're trying to save money at the grocery store. You spend hours comparing prices and hunting for discounts, and by the end of the day, maybe you saved around $20. What if you spent that same time learning something that could help you land a better job, start a side project, or launch a small business? The $10 you saved isn’t even close to the value you could create with that time. The key isn’t to stop saving money; it’s to save wisely. You need to know when an investment of your time is worth it compared to the savings you’re chasing. That’s how you succeed.

 

 

People aren't those who do everything perfectly; they're the ones who know how to prioritize. They learn to say no to low-value tasks and yes to activities with a more significant impact. In the end, the choice is yours. You can spend time trying to save a little money or start investing that time into something that will really change your life. The fifth habit is one that seriously harms a lot of people: just letting your money sit around without using it strategically. This is especially common among those just starting to get their finances in order. Keeping money in a bank account or even hiding it under your mattress might feel safe, but money just sitting there loses value daily. Inflation is one of the biggest enemies of those who keep their money stagnant. Over time, what seems like a substantial amount today might not be worth much in a few years.

 

 

Your purchasing power decreases, so leaving your money around can give you a false sense of security. It’s like trying to hold sand in your hand; it seems solid at first, but it slips through your fingers over time. This goes beyond just inflation. Money that isn’t moving is a wasted opportunity. While your cash is stagnant, others are using your resources to grow. Think about how banks operate: they take the money you leave in your account and lend it out or invest it in assets to make a profit. They make your money work for them, while you end up with only a tiny return, or sometimes no return. Imagine your money like water—what happens if you leave water in one spot for too long? It starts to evaporate. Now, think about if you used that water to water some plants. What would happen? The plants would grow, take root, and eventually bear fruit. This is something that wealthy people understand, but many poor people often overlook.

 

 

The point is that money needs to keep moving to create value. People understand that money has to work to make more money constantly. Instead of letting savings gather dust, they invest. It's not about making massive amounts or taking big risks; it's about having a plan and being consistent. You can generate rental income from real estate, invest in funds that grow over time, buy stocks in stable companies, or even start a small business. What matters is not where you start but your intention to make your money work for you. I've seen a lot of people over the years who believe they're doing the right thing by saving every penny. The problem is that while saving is necessary, they stop there. While trying to protect their money, it's losing value, and they're missing out on opportunities to double it. On the flip side, some people start with much less, decide to invest even small amounts and commit to learning about their finances. Over time, they turn what little they have into something much bigger.

 

 

I've seen people change their mindset about investing. It's about understanding that money shouldn't just sit around; it must keep moving. If your cash is stagnant daily, you miss opportunities to create value. The sixth habit is about having empty credit. I see this happening all the time—using credit cards for things that won’t generate long-term value, like takeout or impulse buys, or taking out loans for stuff you don't really need. But do you know what's often lurking behind those choices? It's usually about keeping up appearances. Let me explain. What's going on when you buy expensive things like the latest smartphone, designer clothes, or cars you can't afford? You're trying to buy others' approval. You're telling yourself, "I need to look good," or "I have to show my success." But in reality, most of these purchases are to satisfy your ego and eat away at your future. The difference between the rich and the poor isn’t just how much they earn; it’s how they manage their money.

 

Credit can create an illusion of wealth. It makes it seem like you can have everything right now, even if you can’t afford it. But what happens next? Debt piles up, and interest starts eating away at your income, turning what felt like progress into a burden. Think about your past choices—have you ever used credit to buy things you didn’t really need? Maybe to impress someone or to feel good in the moment? Please don’t beat yourself up over those experiences; it happens to everyone. But it’s time to start thinking differently. And don’t get me wrong—using credit cards for everyday purchases is fine. What I’m talking about is going into debt for unnecessary stuff. Instead of using credit to buy things, consider using it to build something, like enhancing your skills.

 

 

You might want to invest in some courses, buy equipment to start a side hustle or put your money into something you can resell for a profit. Credit doesn’t always have to be bad; using it wisely can be your ally. Many overlook entirely one crucial thing: the fear of investing in themselves. They spend a ton on things that don’t create value, like expensive clothes or fancy dinners, but hesitate to invest in their growth. They might think it’s unnecessary or something they can put off. But here’s the truth: you are your biggest asset. If you don’t invest in yourself, no one else will do it. There’s a saying that knowledge is the only investment that never loses its value. Everything you learn and every skill you develop becomes a part of who you are. And unlike material assets, no one can take that away from you.

 

 

You can't take it away from yourself. Still, a lot of people avoid this kind of investment. They say things like, "I don't have the time" or "It's too expensive." But the truth is, if you don't invest in yourself, you limit your growth. We spend a ton of money on things that don’t create real value—like expensive clothes, fancy dinners, and stuff we barely use—yet we hesitate to invest in ourselves. We think it’s unnecessary spending, or we can just put it off. Do you know what the truth is? You are your biggest asset. If you don’t invest in yourself, no one else will do it. Every step you take toward learning and personal growth, even if the results don’t show up immediately, brings you one step closer to success. When you invest in your development, you build more than just skills or knowledge. You’re building confidence, resilience, and, above all, new possibilities.

 

 

Creating opportunities is what it’s all about. The world constantly changes; the best way to prepare for the future is to keep learning. One of the worst habits, the eighth one, is living without a plan. If you don’t have a plan for your money, it’ll find a way to slip right through your fingers. It doesn’t matter how much you make; I’ve seen people with high salaries living paycheck to paycheck because they spend everything without control. Conversely, some folks earn much less but save, invest, and create opportunities with a strategy. When I talk about having a plan, I’m not saying it has to be complicated. You don’t need a massive spreadsheet or intricate calculations. Financial planning can start simple: knowing how much you earn, how much you spend, and how much you can save. It might seem basic, but you’d be surprised at how many people don’t even know these basics about their finances. That’s what I’ve learned from experience.

 

 

Let me break it down for you. Financial planning isn’t just about money; it’s about freedom. When you know exactly where you are and where you want to go, making decisions becomes a lot easier. Stop worrying about bills at the end of the month because you already have a plan. You begin to understand how your spending affects your future, so you stop wasting money on things that don't matter. For example, let’s say someone makes 2.5 million won a month. Without a plan, they might spend all their money by the next month. If something unexpected happens, like car trouble or an unexpected bill, they won't have any way to deal with it. But if that same person saves just 10% of their paycheck for emergencies, soon enough, they'll be prepared for those unexpected situations. It might seem small, but that’s how you get started. Beyond saving, having a plan allows you to invest. Your plan turns "I can’t do that now" into "I might not be able to now, but I will soon."

 

 

Let’s break it down. First, planning helps you determine what’s important right now and what can wait. Even if it takes time, a solid plan gives you the stability you need to grow. Here’s my second-to-last point: it’s all about having clear and achievable goals. This is one of the most common mistakes and often separates those who succeed from those who give up. Many people set goals that are way too high and unrealistic for their current situation, which makes them feel lost. It’s not that they lack ability; it’s just that the goals they set are asking for more than they’re ready for yet. And when reality doesn’t meet those expectations, what happens? They give up. They start thinking they’re not good enough, just unlucky, or that success is out of reach. But here’s the key point: it’s not that you can’t achieve big goals; it’s just that you might need to get a bit more qualified to reach them.

 

 

It's about understanding that it's okay to have big dreams. It doesn't mean you should stop dreaming big; instead, break those big goals into smaller, achievable steps. That way, you can feel progress and get a sense of accomplishment. Clear, attainable goals do just that—they give you structure, direction, and, most importantly, the feeling that the more you achieve, the more prepared you'll be for more significant challenges. So, instead of saying you want to be a millionaire in a year, ask yourself, "What's the first realistic step I can take today to improve my financial situation?" It might be learning something new in a market you haven't explored yet. The key is to set goals that may not align perfectly with your current self but still push you toward the person you want to become. We've reached our final habit, which might be the toughest to overcome.

 

 

We're taught not to try things that could go wrong, and while that might sound reasonable, it's actually one of the biggest obstacles that keep people from achieving success. The most considerable risk you can take is not to try anything at all because, if you don’t, you’re just choosing to stay where you are. But the world isn’t going to wait for you. It made me think about how many opportunities are wasted because we’re scared to take risks. Risks aren’t the enemy; what you need is calculated risk. That means having a plan, learning, and, of course, having the courage to give it a shot. More importantly, failures can teach you something. When you try and fail, what changes? The difference is that you gain experience and practical knowledge. If you shift your perspective, you’ll see that failure can work in your favour. In reality, failure is more of a mindset.

 

 

It's all about understanding that you won't get anywhere if you don't try. Let me share my own experience. When I started my career, nobody told me I would succeed. I had a pretty ordinary background and not many resources. Honestly, there were more reasons to give up than to try. But what pushed me was the realization that if I didn’t make an effort, I’d be stuck in the same place forever. I figured failing after trying was way better than living my life with “what ifs.” This mindset sets apart those who move forward from those who get left behind. Wealthy people don’t shy away from risks; they study them. They analyze the situation, weigh potential losses against gains, and make informed decisions. They know that no reward comes without some risk, but they embrace it.

 

 

I get that safety can feel like an illusion. Taking calculated risks doesn't mean throwing everything on the line; it means taking small steps toward something more significant. Maybe it’s about spending a little time learning about a market you’ve never explored or using some money to test out a new idea. It could even be saying yes to something you usually would’ve turned down. The biggest successes in my life came from moments when I decided to take a risk—not because I was guaranteed to succeed, but because I knew I needed to give it a shot. And I’ve learned that you still gain something valuable even if things don’t go as planned. The lessons from failure are just as important as success; they teach you, strengthen you, and prepare you for the next opportunity. If you want to grow and change your life, you’ve got to accept that risk is part of the journey.

 

 

"Doing this isn't reckless; it's about stepping out of your comfort zone because big things happen outside that zone. Now that you're here, I want to ask: who among you is really committed to your success? Leave a comment saying, 'I’m wealthy' or 'I made it to the finish line.' I want to see who can change their mindset and build a different future. Click the video on your screen for more. Thanks for sticking with me; I really hope this content helps you see new possibilities. Now, the most important question: what’s your next step?"

 

Summary

In this video, the speaker emphasizes the critical role of habits in determining an individual’s success, arguing that the biggest obstacle between people and their success is not a lack of talent or resources but the habits they adopt. The speaker identifies several habits commonly found among individuals with a poverty mindset, habits that wealthy individuals consciously avoid. By understanding these habits, viewers can transform their attitudes and behaviours, ultimately leading to significant changes in their lives. The video covers various aspects, from the importance of creating rather than consuming content, the necessity of financial education, the value of time management, the dangers of excessive frugality, and the importance of investing money wisely. The speaker also highlights the need for planning, setting achievable goals, and being willing to take calculated risks. The core message is that success is not merely about having resources but how one utilizes their time, money, and opportunities.

Highlights

• 💡 Habits Matter: The speaker asserts that the most significant barrier to success is not a lack of resources but the habits one adopts.
• 🎨 Create vs. Consume: Emphasizes the need to prioritize creation over consumption for personal and professional growth.
• 📚 Financial Literacy: Stresses the importance of understanding how money works to make informed financial decisions.
• ⏰ Time is Precious: Highlights the importance of managing time effectively and using it to pursue meaningful activities.
• 💰 Invest Wisely: Warns against keeping money stagnant, advocating for investment and growth instead.
• 🎯 Set Realistic Goals: Encourages viewers to break down larger goals into manageable steps to maintain motivation.
• ⚖️ Embrace Calculated Risks: Suggests that taking calculated risks is essential for growth and success.

Key Insights

• 📈 The Power of Habits: Habits shape our decisions and ultimately our success. Individuals often find themselves stuck in a cycle of consumption, which hinders their ability to innovate and create. The speaker emphasizes that wealthier individuals focus on creating value through products or ideas, which empowers them to effect change in their lives and communities.
• 📊 Lack of Financial Education: Many people lack basic financial literacy, which impacts their ability to make informed decisions about spending, saving, and investing. The speaker illustrates this with the example of how many learn about math and science but receive little to no education on managing money. This gap leads to poor financial choices, perpetuating cycles of debt and poverty.
• 🕰️ Time Management: The speaker highlights that time is a finite resource everyone possesses equally. The difference lies in how individuals choose to utilize their time. Spending excessive hours on mindless entertainment can lead to missed opportunities for growth and learning. Thus, the message is clear: prioritize time spent on productive activities that align with personal goals.
• 💵 Value of Money: Keeping money idle in a bank account or savings is counterproductive in an inflationary environment. The speaker stresses that cash must be actively invested or utilized to generate returns. This insight emphasizes the need for strategic financial planning, ensuring that money is working towards developing wealth.
• 🛒 Dangers of Excessive Frugality: The common tendency to save small amounts of money while neglecting to consider the value of time spent can lead to lost opportunities. The speaker notes that successful individuals prioritize high-impact activities that contribute to long-term growth rather than getting bogged down by saving small sums.
• 🗺️ Importance of Planning: Financial planning is depicted as essential for achieving financial freedom. The speaker argues that having a clear understanding of income, expenses, and savings can prevent individuals from living paycheck to paycheck and enable them to invest in their future.
• 🚀 Calculated Risks: The fear of failure often prevents individuals from taking risks that could lead to significant opportunities for growth. The speaker encourages viewers to embrace calculated risks, suggesting that failure should be viewed as a learning experience rather than a setback. This mindset shift can open doors to new opportunities and innovations.

In conclusion, the video guides viewers seeking to transform their mindsets and habits to achieve tremendous success. By focusing on creation, understanding finances, managing time effectively, and taking calculated risks, individuals can break free from limiting habits and pave the way for a more fulfilling and prosperous life. The speaker’s insights encourage a proactive approach to personal development, providing actionable strategies that can lead to significant positive change.

I've learned throughout my life that the biggest hurdle between people and success isn't a lack of talent or resources—it's the habits they choose to adopt. Some individuals get stuck in the same cycle, while others move forward by creating businesses and finding solutions. Today, I want to share some habits commonly observed in people with a poor mindset, which wealthy individuals actively avoid. Recognizing these habits can be key to changing your perspective and behaviour, ultimately transforming your life. Ultimately, it doesn't matter where you started; what's important are the decisions you make every day. Those decisions stem from the habits you choose to keep or let go. The first thing I notice when talking to people who want to change their lives is that many focus excessively on consumption. This isn't a criticism, just a reality. We are constantly bombarded with things we need to buy, shows we should watch, and trends we should follow. However, you must change this pattern if you want to achieve something significant. You have to start creating instead of merely consuming. I often say that people with a poor mindset spend most of their time as consumers. They consume products, content, and entertainment but hardly consider what they can create. On the other hand, those who build wealth always think about creating value for others—whether through business, products, services, or even ideas. The key point is that creators can change their surrounding world. When we started Alibaba, we didn’t have the resources or infrastructure to compete with the market giants. But I knew one thing: small businesses in China needed a way to sell their products globally. Instead of focusing on what I could consume or gain, my team and I created a solution. We shifted our mindset from consumers to creators. This is a significant difference. When you consume, you depend on what others have created. But when you create, you have control. You get to decide the impact you want to have and the values you want to convey. The second habit that promotes this excessive consumer mindset is a lack of financial education. This issue affects many people, regardless of where they live or how much money they make. Think about it: most individuals spend years in school learning subjects like math, science, and history, but how many learn how to handle money? Almost none. That’s where the problem begins. Do you understand how money works? What about interest? How does credit function? What does investing mean? Without that knowledge, making wise financial decisions becomes nearly impossible. People often feel they must spend money and save because someone told them it’s the right thing to do, without considering the reasons behind these actions.

Let me give you a practical example. Imagine you're getting a loan. The salesperson shows you the monthly payments and makes you think, "Yeah, I can handle that." But what they don’t tell you—something you probably wouldn’t even think to ask—is how much interest you’ll pay over time. Ultimately, what seemed like a good deal can become a substantial financial burden. Why? Because you entered that situation without genuinely understanding how money works. What’s even riskier is the vicious cycle created by a lack of knowledge. You spend money without thinking, rack up debt, and then try to cut back later, but you don’t change your habits. Here’s an important lesson: financial education isn’t about getting rich; it’s about knowing how to use what you have. It doesn’t matter if you make a lot or a little if you’re starting out or already have a foundation. When you understand how money works, you gain control. You get the power to make choices. So start with small steps. Go ahead and read related books or watch informative videos; this is a great start. The mindset of uncontrolled consumption paired with minimal financial knowledge leads us to a third important habit related to time. One of the things I notice most these days is how people spend hours scrolling on their phones or watching random videos, wasting time on programs that offer no real benefits. But why is this a problem? It's not just about losing time. Think about what you could have accomplished with that time. I always say that time is the most democratic resource. Whether you're rich or poor, successful or not, we all have the same 24 hours in a day. The difference between people isn’t the money they have but how they use their time. Consuming media aimlessly is like wasting one of your most valuable assets. The critical point here is not that you should never enjoy entertainment; it’s about finding a balance. Using your time wisely is crucial; don’t squander it on trivial matters. If you desire a change in your life, you need to be deliberate with your time. What could you accomplish instead of mindlessly scrolling through your screen? You could learn a new skill, read a book, or brainstorm solutions to issues that concern you. It doesn't have to be a monumental task. Even dedicating 30 minutes daily to something that truly matters to you can yield significant results. The fourth habit is quite common; chances are you've tried it at least once. However, it's not always the best approach. I've seen many people spend hours trying to save a few bucks—like choosing the cheapest restaurant, visiting multiple stores to save on shopping, or driving around to save on gas.

Every time I see situations like this, I can’t help but think about the value of the time invested. I'm not suggesting that we overlook the importance of saving money—being responsible with our finances is essential. However, there’s a fine line between saving wisely and wasting time on things that hardly matter in the long run. I remember a story about a guy who spent an entire day doing laundry by hand to save a few bucks. He ended up so exhausted that he had no energy left for anything else. While it may have seemed like a significant saving, think about how many opportunities and hours he lost. The real question is what value he could have created with that time. This mindset illustrates the difference between those who see opportunities and those who remain stuck. Successful individuals understand that time is a more valuable resource than money. Many people become overly focused on saving just a few cents. While you're trying to save money, wealthy individuals are using their time to solve problems and develop new solutions. You might spend hours trying to save a little cash, but what if you devoted that time to learning something new? For instance, developing skills that could increase your income or brainstorming ideas to change your life. Consider this scenario: imagine you're trying to save money at the grocery store. You dedicate hours to comparing prices and searching for discounts, ultimately saving about $20. What if you used that same time to learn skills that could help you find a better job, start a side project, or launch a small business? The $20 you saved pales compared to the potential value you could create with that time. The goal isn't to stop saving money; it's to save wisely. You need to know that investing your time is worth more than the savings you're pursuing. That’s the path to success. People aren’t those who do everything perfectly; they’re the ones who prioritize effectively. They learn to say no to low-value tasks and yes to activities with a more significant impact. Ultimately, the choice is yours. You can spend your time trying to save a little money or invest that time in something that can truly transform your life. One common mistake that can seriously harm many people is letting their money sit unused instead of using it strategically. This tends to happen among those who are just starting to get their finances in order. Keeping money in a bank account or hiding it under your mattress might feel safe, but stagnant money loses value over time. Inflation is one of the biggest threats to those who let their money sit idle. Over time, what seems like a substantial amount today may not hold much value in a few years.

Your purchasing power decreases over time, so leaving your money idle can create a false sense of security. It's like trying to hold sand in your hand; it seems solid initially, but it slips through your fingers as time goes on. This issue extends beyond just inflation. Money that isn’t actively working for you is a lost opportunity. While your cash sits stagnant, others use those resources to grow wealth. Consider how banks operate: they take the money you leave in your account, lend it out, or invest it in assets to generate profit. They make your money work for them, while you end up with only a tiny return—or sometimes no return at all. Imagine your money like water. What happens if you leave water in one spot for too long? It starts to evaporate. Now, think about if you used that water to nourish some plants. What would happen? The plants would grow, take root, and eventually bear fruit. Wealthy individuals understand this concept, while many people with less financial advantage often overlook it. The key point is that money needs to keep moving to create value. People recognize that money has to work continuously to make more money. Instead of allowing savings to gather dust, they choose to invest. It’s not about making massive amounts of money or taking significant risks; instead, it's about having a plan and being consistent. You can generate rental income from real estate, invest in growing funds, buy stocks in stable companies, or even start a small business. What matters is not where you start but your intention to make your money work for you. I have observed many individuals over the years who believe they are doing the right thing by saving every penny. The problem is that while saving is essential, they often stop there. While they try to protect their money, it loses value, and they miss out on opportunities to double it. Conversely, some people start with very little but choose to invest even small amounts and commit to learning about their finances. Over time, they can turn what little they have into something significantly larger. I have seen individuals shift their mindset about investing. It’s important to understand that money shouldn’t just sit idly; it must keep moving. If your cash remains stagnant, you miss opportunities to create value. Another common issue is using credit, often referred to as having "empty credit." Many people use credit cards for purchases that won’t generate long-term value, like takeout or impulse buys, or take out loans for things they don’t really need. What often lies behind those choices is an attempt to keep up appearances. Let’s explore this. When you buy expensive items—like the latest smartphone, designer clothes, or cars you can’t afford—you’re often trying to gain the approval of others. You convince yourself that you "need to look good" or "have to show my success." However, most of these purchases are driven by the desire to satisfy your ego and can detract from your financial future. The difference between the wealthy and the poor isn’t just in how much they earn; it’s in how they manage their money.

 

Credit can create an illusion of wealth. It makes it seem like you can have everything right now, even if you cannot afford it. But what happens next? Debt piles up, and interest eats away at your income, turning what felt like progress into a burden. Think about your past choices—have you ever used credit to buy things you didn’t really need? Perhaps you did it to impress someone or to feel good in the moment. Please don’t beat yourself up over those experiences; it happens to everyone. However, it’s time to start thinking differently. Using credit cards for everyday purchases is fine, but I’m talking about going into debt for unnecessary items. Instead of using credit to buy things, consider using it to build something meaningful, such as enhancing your skills. You might want to invest in courses, purchase equipment to start a side hustle or put your money into something you can resell for a profit. Credit doesn’t have to be bad; it can be your ally if used wisely. Many people overlook one crucial thing: the fear of investing in themselves. They spend a lot on items that don’t create value, like expensive clothes or fancy dinners, yet they hesitate to invest in their growth. They may think it's unnecessary or something they can put off. But here’s the truth: you are your biggest asset. If you don’t invest in yourself, no one else will do it. There’s a saying that knowledge is the only investment that never loses its value. Everything you learn and every skill you develop becomes a part of who you are. Unlike material assets, no one can take that away from you. Even so, many people avoid this type of investment. They say things like, "I don't have the time," or "It's too expensive." The truth is that by not investing in yourself, you limit your growth. We spend a lot of money on things that don’t create real value—like expensive clothes and fancy dinners—yet we hesitate to invest in ourselves. We often consider it unnecessary spending or think we can put it off. The reality is that you are your biggest asset. If you don’t invest in yourself, no one else will. Every step you take toward learning and personal growth, even if the results aren’t immediately apparent, brings you closer to success. When you invest in your development, you build more than just skills or knowledge; you also build confidence, resilience, and new possibilities.

Creating opportunities is what it’s all about. The world constantly changes; the best way to prepare for the future is to keep learning. One of the worst habits is living without a plan. If you don’t have a financial plan, your money will find a way to slip through your fingers. It doesn’t matter how much you earn; I’ve seen people with high salaries living paycheck to paycheck because they spend everything without control. Conversely, some people earn much less but manage to save, invest, and create opportunities through a strategy. When I talk about having a plan, I’m not suggesting it needs to be complicated. You don’t need a massive spreadsheet or intricate calculations. Financial planning can start by knowing how much you earn, how much you spend, and how much you can save. It might seem basic, but you’d be surprised how many people don’t even understand their finances. That’s what I’ve learned from experience. Let me break it down for you. Financial planning isn’t just about money; it’s about freedom. Making decisions becomes much easier when you know exactly where you are and where you want to go. You can stop worrying about bills at the end of the month because you’ve already established a plan. As you understand how your spending affects your future, you’ll stop wasting money on things that don’t matter. For example, let’s say someone makes 2.5 million won a month. Without a plan, they might spend all their money by the next month. If something unexpected happens, like car trouble or an unforeseen bill, they won’t have a way to handle it. But if that same person saves just 10% of their paycheck for emergencies, they’ll soon be prepared for those unexpected situations. It might seem small, but that’s how you get started. Beyond saving, having a plan allows you to invest, turning “I can’t do that now” into “I might not be able to now, but I will soon.” Planning helps you determine what’s important right now and what can wait. Even if it takes time, a solid plan provides the stability you need to grow. Here’s one last point: having clear and achievable goals is crucial. This is one of the most common mistakes and often separates those who succeed from those who give up. Many people set goals that are too high and unrealistic for their current situation, leading to feeling lost. It’s not that they lack ability; it’s that the goals they’ve set are asking too much of them at the moment. When reality doesn’t meet those expectations, what happens? They give up. They start thinking they’re not good enough, just unlucky, or that success is out of reach. But here’s the key point: it’s not that you can’t achieve big goals; it’s just that you might need to acquire more skills and qualifications to reach them.

I understand that safety can often feel like an illusion. Taking calculated risks doesn't mean risking everything; taking small steps toward something more significant. It might involve learning about a market you've never explored or investing a little money to test a new idea. It could also mean saying yes to an opportunity you would typically decline. The biggest successes in my life came from moments when I chose to take a risk—not because I was guaranteed success, but because I felt it was worth the chance. I've learned that you still gain something valuable even when things don't go as planned. The lessons from failure are as important as those from success; they teach, strengthen, and prepare you for the next opportunity. If you want to grow and change your life, you must accept that risk is a part of the journey. Taking these steps isn't reckless; it's about stepping out of your comfort zone because significant achievements often happen outside of it. Now that you're here, I want to ask: who among you is genuinely committed to your success? Leave a comment saying, "I’m wealthy" or "I made it to the finish line." I want to see who can shift their mindset and build a different future. Click the video on your screen for more insights. Thank you for sticking with me; I hope this content helps you see new possibilities. The most critical question now is: what’s your next step?