1. Name: Zam Khairunnaim Bin Muhammad Zamri
Matric Number: BEE 090047

2. WHAT IS FINANCIAL FREEDOM?
A stage in life where you have capability to do anything
you want, buy anything you want and go anywhere you
want, without worrying about money and time
It can be describe as a stage where:
1. Income is higher than expenses
2. Continuous growth of return from various investments
- No need to work anymore for the rest of your life
- Free to have vocation for one year
Three examples of investments:
1. Buy, Rental and sell property
2. Royalty from books, patents, music, etc.
3. Business ownership

4. First step is having the right mindset
- Alter how you think and act about money.
Why most peoples struggle in financial?
1. Mind is programmed by wrong idea about money
2. Sources of mindset programming:
teachers, politic leaders, media, cultures, friends, families

5. Statistic on most influence sources for most peoples:
Family members
Friends
Religious book
Other books
Minister or priest
Tapes by leaders
Boss or employer
Professional counselor
0% 20% 40% 60%
Source: Developing the leader within you, John C. Maxwell

6. Money is the root of all evil Money is only the tools
Rich people are greedy Rich people are generous
It takes money to make money It takes creativity to make money
You can’t be rich and spiritual at You can be both
the same time
Money doesn’t buy happiness/love Money is not a comparable to
love/happiness
Believe “life happens to me” Believe “I create my life”
Associate with negative and Associate with positive and
unsuccessful people successful people.

7. TWO SOURCES OF MIND PROGRAMMER:
1. Favorite reading material:
- Books, e-books, articles
- How rich peoples think and act
- How to invest money
2. Most influence peoples in life:
- Role model, inspiration
- Reference on handling money
- Millionaires and billionaires

8. 1. Financial freedom is a stage in life where we can stop
worrying about money and time for the rest of our life
2. The first step is having the right mindset
3. Our minds have been programmed by our favorite reading
materials and most influence peoples in our life
4. Choose positive reading materials and associate with positive
peoples
5. We can be rich, generous, spiritual, happy, healthy, and kind
at the same time
6. It is a long term commitment and it is proven can be
achieved by anyone