1.
Getting Financially Fit
Money Isn’t Made. Money Is Attracted
You Need to Become a Magnet for Money

2.
Module 1:
• Have you ever wondered why so many people work so hard and honestly without
ever achieving anything in particular and others don’t seem to work hard yet they
seem to get everything?
They seem to have the magic touch that you don’t have? People say about them
“everything he touches turn to gold”.
• Take a hundred men at the age of 25 and look to see what will have happened with
them financially, by the time they are 65. These 100 men will start at the age of 25
believing they are going to be successful. After 40 years, 1 will be wealthy, 4 will be
financially independent, 5 will still be working, 54 will be broke. Out of the 100, only
5 make the wealth grade.

3.
• Why do so many fail? What happens to the sparkle, dreams and hope at 25 that leaves
such a large disparity between what the men intended to do and what they actually
accomplish.
• Success is progressive
realization of worthy idea.
If a man is working towards
a predetermined goal and
knows where he is going,
that man is a success.
If he is not doing that, he is a
failure.

4.
•By the time we are 25, we stop dreaming and the realities of life tell us it is best to
conform and do what everyone else is doing. The trouble is that we are acting like the
95% who don’t succeed.
•Then why do people conform? Well, they really don’t know. These people believe that
their lives are shaped by circumstances by things that happened to them. By exterior
forces over which they have no control. Why do you work? Why do you get up in the
morning? 19 out of 20 have no idea. If you ask them, they will say everyone goes to work
and that’s the reason why they do it.

5.
• The only person who succeeds is a person who says “I am going to become this and
begins to work towards that goal”.
• We become what we think about. So now let’s think about wealth.
• Suppose a farmer has some land and it’s good land. The land gives the farmer a choice; he
may plant on that land whatever he chooses, the land doesn’t care. It’s up to the farmer to
make that decision. Now think of the land as the human mind.
Compare the human mind with the land because the mind like the land doesn’t care what
you plant in it. It will return what you plant but it doesn’t care what you plant.
• Let’s say the farmer has 2 seeds in his hands. One of the seeds is a seed of corn and the
other a deadly poison. He digs two holes in the earth and plants both seeds, one corn and
the other poison. Covers the holes, waters and takes care of the land. And what will
happen? Invariably, the land will return what was planted as it is written in the good book,
“As you sow, so shall you reap”.

6.
1. Set yourself a definite goal. I want to be wealthy. Say it. I
want to be wealthy.
2. Quit running yourself down.
3. Stop thinking all the reasons why you cannot be wealthy
and instead of all the reasons why you can.
4. Change your attitude back to your childhood attitude and
realize that wealth is in the air all around you, you just
have to reach out and grasp it.
5. Change the image you have of yourself by writing out
the description of the person you would like to be.
6. Act the part of the wealthy person you have decided to
become.
So let us get you onto the ladder of wealth with these six easy steps.

7.
Module 2:
• Advice they say dismissively is "for the one who gives it."
Do not be one who receives it then pushes it out the other ear.
Assess who is giving the advice. What the advice is and ponder upon it.
For our mistakes in life are generally due to the failures to heed good advice.
• These sessions are grounded in providing the advice you cannot get in college nor from
any books.
Practical realistic all-encompassing advice that will enable all even those with low income
to have a shot at being wealthy.

8.
Module 3:
• Thank those who criticize you. For surely they improve you.
•
• There is no such thing as
illegitimate criticism. Criticism
is how the world views you.
You, three dimensionally. For
no matter how much you
examine and measure yourself,
your view will always be two
dimensional at best. But in all
likelihood, just one
dimensional.

9.
•They do what you cannot do or are unwilling to do for yourself. And reprimand yourself
whenever you become allergic to criticism. Allergic not sensitive. There is a huge
difference between allergic and sensitive. We are all sensitive to criticism. Naturally
nobody wants to be criticized.
•But when you actively start avoiding criticism, stop yourself in your tracks.
You are inadvertently avoiding self-improvement. You are holding yourself back. You
may have removed the sting of having to listen to unpleasant things. Yet at the same time
you have removed the brush that allows you to polish yourself off to shine.

10.
• Be tough. Tough on yourself. Tough in situations of potential benefit. Tough when faced
with adversity. Do not take anything lying down.
• Be willing to be called out for what you stand for. Who you are. What you are and what
you are doing. But be knowledgeable in your toughness.
• Distinguish between being tough and being arrogant, aggressive, ignorant or just plain
stupid. If you apply this, you will see adversity fall apart in your wake. Those who rise to
the top imagine themselves there long before they get there. They visualize their success
and the difficult path they will have to walk and the disappointments they will have to
endure. But they keep going anyway. They endure. They never lose hope. They are stoic
and resilient realists. Ingrained in that is their ability to realize that the reality of what they
want to achieve will require flexibility and resilience.
• But they know they must keep marching towards their goal. Those who rise all the way to
the top aren't like the people you meet every day. They are unique in that they seek out
criticism for self-improvement. And it is that uniqueness fact that they see themselves in
3D that carries them all the way.

11.
Module 4:
• Spend your life in private with the ambitious, the courageous and the intellectually
inclined. For it is our private time that is most valuable. Avoid emotions. Pragmatism
should always trump emotions. Don’t listen to innuendo, rumors are for fools.
• Your friends are those who go out of
their way to help you. And help is
rarely financial. Helping you is. To
listen to you. To guide you. To care for
you. To be honest with you. To brutally
criticize you. And who are willing to let
you fall. A friend is rarely the one who
laughs with you and is more often the
one who cries with you.
• Just remember, friend is a word we use everyday, but most of the time we use it in the
wrong way.

12.
Module 5:
• Only a fool thinks they are knowledgeable. When one thinks they are knowledgeable they
stop learning. The moment you stop learning. You die. Not literally. Intellectually.
Knowledge is a vast ocean. Seek that which is beneficial. Seek it everywhere and
ruthlessly. Never stop learning. It is the one thing that cannot be taken away from you.
Open your heart to it and your mind will receive it. Make yourself a repository for it.
Learn five new things everyday till you die. The brain survives on knowledge. You will
find the wealthiest people all also extremely knowledgeable.
• That is why the mind is so important. Nurture it and help it to grow. Keep off the things
that damage it and the processes that harm it. For you are what your mind consumes and
exactly what you think. If the mind is not doing what it is supposed to. Not working how
it is programmed to. Then you will never rise to where you hope to.

13.
Module 6:
• Decision making is the key to the ability to rise. History is replete with instances of
people who never achieve their full potential because of their inability to decisively take
advantage of opportunity when it presents itself. Strike while the iron is hot. Or not at all.
Hindsight teaches us that regret is based largely if not almost completely on our own
inability to convert opportunity into advantage. Problems are meant to be solved.
• Problems are meant to be fixed. Dwelling
on a problem is pointless. Worrying about
them is stupid. Take practical steps to fix
them. The problem is the “P” at the
beginning of the sentence.
• The solution is the rest of the sentence all
the way to the full stop. Relax. Maybe
sleep on it and get up on it. Work through
the options.
• Structure the solution. Don't leave it hanging. A problem solved is an opportunity created.

14.
Module 7:
• Passion is poop. It will lay on the floor. Ambition and grit are more important. But
ambition too will lay on the floor unless it is made potent. For ambition is what ambition
does. Grit however is just that : grit. It stands out and increases the more you apply it. It is
what keeps soldiers going. Grit is a fine quality for success. Of the others they are no
substitutes for the other eight. Organization, foresight, caution, judiciousness,
forethought, common sense, hard work and determination. If you put these before passion
and ambition then you have something of value. Then after that remember.
• Proper planning prevents painful problems. And
persistence pays.
• Habits will determine your success. Poor money
habits are like holes in a bucket, no matter how
much money you put in it, it will simply fall
through the holes.

15.
Module 8:
• There is opportunity in adversity. You even noticed how you are able to do remarkable
things in an emergency. How the most difficult situations have a way of sorting
themselves out and the relief you feel when they do. Now realize this. Every time
adversity presents itself you have to take it that opportunity has presented itself and your
own history bears testament to this.
• Whatever doesn’t kill you makes you stronger and you have been getting stronger and
stronger just you haven’t measured your strength, you haven’t looked back to see how far
you have come. You haven’t taken stock of the battles you have fought and won. You still
think of yourself as a weakling, when you are actually quite strong. So from now on.
Every time adversity looks like it is coming over the horizon welcome it. For you have
just been sent another opportunity to rise.

16.
Module 9:
• Belief is the pathway to self-actualization.
• Write your own narrative. Don't do what others are doing just because they are doing it.
Stand out as a thinker. Not as a follower. Stand out for being different not for being the
same. Have a goal. Prepare to achieve that goal. Work towards that goal. Chase that goal.
For everyone has a purpose. Everyone has something they are meant to do.
• People generally don't know what they are
doing. 99% of what they do is imitation.
100% of what they think and say is what
they have been taught to think or what
they have heard and simply repeat.
• There is an elevation in singularity. There is a benefit in being alone. It gives you the
distance to see the crowd and the opportunity to examine what is wrong with it.
• Beware of being part of a crowd that thinks
the same and does stuff in step. Beware of
the masses.

17.
• I have learnt over time that the only thing that is a constant is change. Self-initiated or
imposed, but change as a defined constant. It is something we cannot avoid and we must
always be prepared for or ourselves initiating. The flexibility to accept change and to
initiate it is a hallmark of success.
• Convert your weaknesses into strengths. And look at your strengths as potential
weaknesses. If you can convert your weaknesses into strengths then you will truly become
strong. Most people rest on their strengths and assume they will remain always as is. Our
strengths are obvious to everyone and because of it they are vulnerabilities in the long-run
to those who would be our adversaries and your greatest adversary in the long run is our
complacency. Look at your strengths as weaknesses and keep making them stronger.
• Nobody owes you anything. Everything you want you are going to have to work hard for.
Rely more on yourself than on others. Once you do that, you will put in the right amount
of time and effort. The right amount of work. And once you are doing that, wealth will
come and sit at your doorstep and wait for you to collect it.

18.
Module 10:
• History is written by the victors. As long as you are victorious you will continue to write
the story, to define the tale. History is also a very inexact science for the very fact of how
it is written. Hindsight however is an exact science. Where hindsight makes for a very bad
historian.
• Combine the abilities of both to know the real story, to remove the gloating of the victors
and the imperfections of hindsight. Once you have done that, you will understand why we
study history. For if we do not know where we are coming from we certainly can't know
where we are going.

19.
• Never assume. Make no assumptions. Ask the question. Research the matter. Ask the
question again if you are still unsure. But make no assumptions. To assume. Is to make an
ass out of you and me. Is what is before you a hard verifiable fact or an assumption that
springs from your understanding of matters and your experiences.
• Most people think more money will solve their financial problems. This is wrong. They
solve their financial problems long before the money is available because they are
grounded in hard realities. They live and breathe facts.