born_rich-第7章

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　is　really　crazy。　I'm　never　going　tohave　the　money　to　live　the　way　this　book　suggests。〃　Iwant　to　remind　you；　however；　that　there　are　many　peoplewho　do　have　enough　money　to　live　the　way　this　booksuggests…and　they　weren't　born　with　it…and　no　one　left　it




to　them。　They　were　〃Born　Rich〃　in　the　sense　of　havingthe　God…given　potential　to　succeed　（everyone　is）；　but　likemost　people；　they　were　at　one　time　short　of　money。
Understand　that　you　too　can　succeed；　and　you　will；　ifyou　will　only　do　as　this　book　suggests。　

As　I　am　writing　this；　I　feel　compelled　to　digress　for　afew　lines；　to　remind　you　that　you　have　great　resources　oftalent　and　ability　locked　up；　within　you；　just　waiting　tobe　expressed。　In　this　vein；　I　can　vividly　recall　listening　toa　tape　a　number　of　years　ago；　that　Earl　Nightingale　madeon　〃Attitude。〃　I　must　have　listened　to　that　tape　literallyhundreds　of　times　and　there　was　a　part　on　it　where　hesaid；　〃Now；　right　here　we　come　to　a　rather　strange　fact。
We　tend　to　minimize　the　things　we　can　do；　the　goals　wecan　reach；　and　yet；　for　some　equally　strange　reason；　wethink　others　can　do　things　that　we　cannot。〃　Earl　went　onto　say；　〃I　want　you　to　know　that　that　is　not　true。　You　dohave　deep　reservoirs　of　talent　and　ability　within　you；　andyou　can　have　the　things　you　want。〃　

I　wouldn't　even　want　to　speculate　on　how　manytimes　I　heard　that　section；　without　really　understandingwhat　he　meant；　and　then　one　day　I　heard　it；　and　everycell　in　my　brain　seemed　to　resonate　with　the　truth　ofwhat　he　said。　I　suddenly　realized　what　he　was　〃drivingat〃　and　I　knew　deep　down　inside　of　me；　if　they　can　do　it；
so　can　I；　if　I　am　willing　to　pay　the　price。　Pleaseunderstand　you　too　can　do　it；　because　what　Earl　had　tosay　is　as　true　of　you　as　it　was　of　me。　But　part　of　the　pricefor　you；　is　to　figure　out　。。。　

How　Much　Is　Enough？　

Don't　just　pull　a　figure　out　of　the　sky。　Do　it　right…
because　when　you're　finished　you　will　be　glad　you　did。
Moreover；　this　exercise　will　also　help　you　to　develop　amore　disciplined　mind。　At　this　point　you　might　bethinking　this　section　doesn't　even　concern　you；　because




you　are　already　too　deeply　in　debt　to　start　accumulatinga　sizeable　amount　of　money。　But　you　will　be　happy　toknow；　we　have　a　great　idea　which　will　help　you　deal　withthat　problem　as　well。　Furthermore；　you　will　be　delightedto　know　that　in　many　situations…and　yours　may　be　one　ofthem…a　person　can　become　wealthy；　even　if　he　or　shenever　earns　any　more　money　than　they　are　earningcurrently。　That　thought　alone　should　give　you　theencouragement　you　need　to　continue　reading。　

By　now　you　should　have　completed　your　list　andarrived　at　a　figure；　so　take　pen　to　paper　and　write　thatnumber　down　in　big　bold　figures。　Now；　clear　your　mindof　that　idea　and　move　on　with　me　to　another　veryimportant　idea。　Realize　that　although　this　idea　might　notapply　specifically　to　you…at　least　at　the　present　time…itcertainly　will　apply　to　many　readers。　Moreover；　even　if　itdoes　not　apply　to　your　particular　situation；　it　is　worththinking　through　anyway；　because　you　certainly　havemany　friends　and　associates　it　does　apply　to　and　you　willbe　able　to　share　it　with　them。　

I　am　going　to　explain　this　idea　to　you　as　if　you　werea　married　person　with　a　family　to　support　and　you　areeither　the　sole　breadwinner　or　an　important　contributor。　

Now　one　of　the　principal　reasons　for　wanting　theamount　of　money　you　desire　is　to　provide　for　your　family；
and　not　just　in　an　adequate　manner。　After　all；　you　wantthem　to　live　life　to　its　fullest。　Realize；　therefore；　that　aslong　as　you　live　and　are　able　to　follow　the　plan　outlinedin　this　book；　you　will　be　able　to　do　as　you　want　withrespect　to　your　family。　However；　if　you　really　stop　andthink　about　it；　you　will　very　likely　agree　that　you　wouldwant　your　family　to　live　〃the　good　life；〃　even　if　you　weresuddenly　removed　from　the　picture…wouldn't　you？
Jokingly　you　might　say；　〃No；　who　cares　if　I'm　gone。〃　Butthis　is　not　a　joking　matter。　This　is　a　very　serious　matter。




Of　course　you　care…I　know　it　and　so　do　you！　

Now；　if　you're　alive　and　healthy；　you　will　create　thiswealth　for　your　estate。　But　what　if　you　die　or　arepermanently　disabled？　Well；　our　society　has　taken　careof　that　situation　as　well；　we　have　〃Life　Insurance〃　and　wehave　〃Disability　Insurance。〃　

But；　let's　get　back　to　your　thinking　again…you　mightbe　saying　to　yourself；　〃Life　insurance；　what　a　rip…off。　Thisguy　Bob　Proctor　really　doesn't　know　where　he　is　comingfrom。〃　Well；　let　me　tell　you；　that　when　it　comes　to　lifeinsurance；　I　believe　I　can　claim　to　be　an　authority　ofsorts…for　I　have　conducted　seminars　for　the　insuranceindustry　for　almost　ten　years；　and　I　have　had　close　to50；000　people　from　that　industry　〃go　through〃　myseminars。　Therefore；　I　can　assure　you；　that　when　I　sayapproximately　95％　of　the　people　whom　you　talk　to　arealmost　completely　ignorant　when　it　comes　to　the　subjectof　insurance；　I　am　not　〃talking　through　my　hat。〃
Granted；　many　of　these　people　hold　important　positionsin　business　and　industry；　in　government；　or　in　theprofessions；　and　because　of　their　positions；　it　would　bevery　easy　to　just　assume　they　know　〃of　whence　theyspeak。〃　But　the　sad　fact　of　the　matter　is；　many　of　themare　either　badly　misinformed　or　completely　uninformedwhen　it　comes　to　the　important　subject　of　life　insurance。　

Understand　this　…　there　is　no　way　to　replace　yourincome　and　create　a　certain　and　instant　estate　otherthan　life　insurance；　and　statistics　indicate　that　althoughmost　people　are　insured；　the　vast　majority　of　people　（atleast　90％）；　are　dangerously　under…insured。　That　is　tosay；　when　they　die；　most　people　leave　behind　onlyenough　money　to　pay　for　their　funeral　and　possiblyenough　money　to　cover　their　family's　living　expenses　forone　year！　The　unfortunate　part　is；　that　for　a　relativelysmall　sum　of　money；　these　people　could　have　had　theirfinancial　affairs　set　up　in　such　a　way　that　if　something




did　happen　to　them；　their　financial　goals　would　bereached　by　their　families　automatically。　

Since　this　book　is　designed　to　help　you　reach　asubstantial；　financial　goal；　I　felt　duty…bound　to　includethe　information　on　life　insurance。　The　book　could　not　becomplete　without　it。　

（Keep　in　mind　there　are　only　two　ways　to　earnmoney：　people　at　work；　or　money　at　work。）　

You　will　be　happy　to　know　the　remainder　of　thisbook　is　designed　for　the　person　who　is　going　to　LIVE。　

Bloom　Where　You　Are　Planted…Start　Now！　

When　do　you　start　to　live　this　good　life？　Is　that　thequestion　you　are　beginning　to　ask　yourself？　You　startnow。　

Start　by　answering　the　following　questions：　

How　often　do　you　pay　your　phone　bill？　
How　often　do　you　pay　your　rent　or　mortgage？　
How　often　do　you　pay　your　grocery　store？　
How　often　do　you　pay　for　gas　for　your　car？　
How　often　do　you　pay　your　doctor？　
How　often　do　you　pay　yourself？　

That　last　question　seems　like　a　strange　one；　doesn'tit？　But　do　you　realize　that　less　than　5　people　in　every100　ever　pay　themselves。　And；　if　you　were　to　ask　theother　95　why　they　don't；　they　would　probably　tell　youthat　by　the　time　they　pay　everyone　else；　there　is　nothingleft　for　themselves！　

Clearly；　those　4　or　5　people　in　every　100　who　do〃pay　themselves；〃　have　found　a　way　around　this　problem。
Although　the　idea　which　they　are　employing　has　beenaround　for　centuries；　hardly　anyone　today　is　aware　of　it。




What　is　that　idea；　you　ask？　Simply　put　it　is　this：　

〃They　pay　themselves　FIRST！〃　

（This　is　better　known　as　the　Babylonian　law　offinancial　success。）　

A　Part　Of　All　You　Earn　Is　Yours　To　Keep　

If　you　think　about　it；　you　must　admit　this　〃law；〃　orprinciple；　makes　a　lot　of　good　sense。　Therefore；　let　merepeat　it　…　〃A　part　of　all　you　earn　is　yours　to　keep！〃　Morespecifically；　what　you　earn　Monday　morning　is　yours　tokeep；　so　it　should　go　directly　into　a　special　account　thatyou　do　not　have　easy　access　to。　

Your　Financial　Independence　Account　

What　you　earn　on　Monday　morning　probablyrepresents　ten　percent　of　your　income。　Therefore；　youshould　pay　yourself　at　least　that　ten　percent；　right　off　thetop　（i。e。　not　after　everyone　else　has　been　paid）。　

From　your　〃Financial　Independence　Account；〃　youfirst　pay　your　insurance　premium；　because　thatinstrument　creates　your　〃Instant　Estate。〃　The　remainderof　the　mo