The money code E-Book

Raimon Samsó

• Herausgeber: Ediciones Instituto Expertos
• Kategorie: Fachliteratur
• Sprache: Spanisch
• Veröffentlichungsjahr: 2022

Seitenzahl: 332

Beschreibung

Unlock the Secrets to Financial Success: The money code awaits Are you ready to master the rules of the "money game"? Craving financial independence, a luxurious lifestyle, and the ability to double your income year after year? Look no further. "The money code" is your definitive guide to achieving true financial freedom and transforming your life. This groundbreaking book will provide you with the answers you've been searching for, along with a new, wealth-focused mindset that will change the way you approach money forever. Dive into the secrets that were never taught in school, at university, or at home - because the truth is, most people simply don't know them. Unearth the keys to unlocking the vault of prosperity with "The money code," written by Raimon Samsó, the renowned author of 39 books and a world expert in the intersection of money and consciousness. Learn how to generate passive income and create multiple cash flow streams, as Samsó shows you the path to financial success. Are you tired of living paycheck to paycheck, constantly worried about making ends meet? Have you been searching for a comprehensive guide to financial success that is both easy to understand and practical? Look no further! "The money code" is here to transform your financial life and help you unlock the secrets to wealth creation. In "The money code," Raimon Samsó, a renowned expert on money and consciousness, offers a groundbreaking approach to mastering the world of finance. With his extensive experience and unique perspective, Samsó has crafted a compelling and life-changing read that will empower you to take control of your financial destiny. The key to a prosperous future lies within the pages of this powerful book. You will learn: The hidden rules that govern the money game and how to use them to your advantage Strategies for developing an abundance mindset for attracting wealth and opportunities The importance of setting financial goals and creating a concrete strategy to achieve them Proven techniques to minimize debt and maximize passive income streams A new mindset on money. "The money code" goes beyond traditional financial advice, delving deep into the psychology and spirituality of money. With this knowledge, you will not only achieve financial independence, but you will also attain a higher level of self-awareness and personal growth. By following the expert advice in "The money code," you will unlock your full potential and create a life of abundance, freedom, and fulfillment. If you're ready to break free from financial constraints and step into a world of limitless possibilities, this book is your ticket to success. Don't let another day pass by without taking control of your financial future. Dive into "The money code" and embark on the journey towards a prosperous and fulfilling life. Remember, the power to change your life is here – it's time to crack the code and unleash your true potential!

Leseprobe

THE MONEY CODE

Free, Wise and Rich

Raimon Samsó

Contents

Introduction

I. Financial Freedom

1. Winning Financial Freedom

2. Regain Your passion and Your Life

3. How to Overcome Crisis

4. Why are there Economic Problems?

5. The 4 Obstacles to Financial Freedom

6. Retirement, the Financial Future that is Uncertain

7. Do you Live in a World that No Longer Exists?

8. Globalization is Here to Stay

9. Financial Intelligence and Financial Freedom

10. What They Didn’t Tell You About Money

11. Applied Financial Intelligence

12. Awareness and Money

13. The Vocabulary of Wealth

14. 30 Questions to Make You Think

15. The Change has Already Begun

16. The 4 Cardinal Rules of Work

17. The 3 Roles and the Corresponding Income

18. Working for Yourself

19. The 9th Wonder of the World - the Notion of Passive Income

20. Leverage: the Force that Moves Mountains

21. Invest or Gamble?

22. Optimal Debt and Bad Debt

23. The Money Code

II. From Employee to Entrepreneur

24. Common Excuses for Not Taking the First Step

25. The 3 Secrets to Successful Undertakings

26. Deliver significant value to massive numbers of people

27. Secret of Money: to Serve

28. Turn your talent into income.

29. The 12 Indispensable Skills Entrepreneurs

30. Please don’t be “self-employed entrepreneur.”

31. The Happy Business Curve

32. Start Small, Think Big

33. Starting on the Right Foot

34. Act and you’ll be lucky.

35. The Keys to Undertaking and Starting

36. Your Business Needs a Super and Irresistible Product

37. Use a Proven Success Model

38. System, System, System!

39. Profitable Management of Your Time

40. Common "Shipwrecks"

41. Learn to Sell (if you're going to be in business)

42. Catchy Ads that Sell

43. Multi-level Marketing Option

44. “I", registered trademark

45. Promote Yourself

46. Building a Website that Sells

47. Your Online Service Providers

48. Your Irresistible Internet Marketing

Afterword

Note

About the Author

To my parents.

If I think of my parents in terms of the lottery, I certainly hit the jackpot: they gave me love, knowledge and freedom.

Probably because that's what they stood for.

My greatest desire is that all parents in the world, me included, will someday hear the same words from their own children.

The editors have not verified the efficacy or the result of the recipes, products, technical formulas, exercises or similar contained in this book. They urge readers to consult a doctor or health specialist in case of any doubt that may arise. They do not assume, therefore, any responsibility

Regarding their use, they do not provide advice in this regard.

Copyright by Raimon Samsó / Instituto Expertos S.L.

1st edition: January 2019

Cover design: D. Sharma

© 2019, Raimon Samsó

© 2019, Instituto Expertos, S. L. (All rights reserved for this edition)

Edit: Ediciones Instituto Expertos

Principe de Vergara 109 2nd

28002 Madrid

Spain

All rights reserved. No part of this publication, including the cover design, may be reproduced, stored, transmitted or used in any way by any means, electronic, chemical, mechanical, optical, recording or electrographic, without prior written consent of the editor.

Ask always permission at: [email protected]

Introduction

In my profession as a coach, I know that to achieve something different, a person must first be different and must do different things. An aspect of our life will improve when we improve ourselves, but not before then. Always in that order.

Money is no exception to this rule. So for our economy to change, we have to “change” ourselves. This book discusses that personal change and on doing different things.

In my everyday work with people, I have realised that people very often want their circumstances to improve without first improving their way of thinking. The rule of law and order teaches us that "we are our beliefs." We cannot force external circumstances and change them into what they are not. The question that anyone should ask, sooner or later is: Do my beliefs agree with my desires?

It is paradoxical, but the people who most need to change are precisely the ones who are most reluctant to change, the most inflexible. Perhaps they think that to change their opinions is a sign of weakness. At the same time, they feel uncomfortable when they are told that their own inflexibility is what distances them from their desires.

This book recommends changes in our beliefs about money. Without an open mind, all of the answers will slip through the cracks. The Money Code holds information that is meaningful from a certain mindset - the kind of mindset which this book wishes to develop in readers who are ready and willing to embrace it.

The money code provides answers to questions we've all asked ourselves about financial freedom, and yet I already know that not all of the answers here will be welcome.

As a matter of fact, I don’t believe that problems exist; what exist are solutions that we do not like. Our problems, of course, are not in the world but in our mental perceptions, contemplating upon them. Solutions to money problems require unlearning all that has proven to be ineffective. This book proposes a paradigm change in stereotype thinking about money.

It is said that every life is a reflection of one’s decisions, habits, choices, beliefs, emotions and behaviours that lead right up to the present condition of a person’s life. And for as long as someone believes that his money problems have nothing to do with his mentality and behaviour, that person will continue to have from money problems.

I have learned that economic problems are not caused by money itself, but by thought patterns about it. In normal circumstances, personal finance is a reflection of a person’s thinking, his behaviour and the decisions he makes.

My conclusion: in reality, money resides in the mind.

Almost everything that the average person knows about money is based on opinions that have been conditioned and which have accumulated throughout his life. Economic success is a type of mental programming (think of numbers with many zeros) and that economic failure - the opposite - is yet another type of programming (this time think of numbers with only a few zeros). In both cases, it comes down to a piece of software or programming device installed in the brain: in the money game, this software becomes a losing or winning programme. This book will help people to re-programme themselves so they can achieve prosperity.

The difference between people who are prosperous and those who are not lies in the first group’s application of useful formulas; in the second group, it is their application of useless or ineffective formulas.

This book will teach you how to distinguish one from the other. I suggest that you study it well and bring it with you everywhere - the way you take a good friend to your favourite place - until you have mastered the contents. It is meant to be read, re-read, underlined, and annotated. My wish is that you make this book a reference book for when you decide to become an entrepreneur with your own personal business. And I’d like you to consider me as your financial coach. I can help you improve your relationship with money.

What follows is a list of the biggest and most glaring lies I heard about money. They are unfounded myths, superstitions and prejudices. I have found that there are more problems with the idea of "what someone knows but is not sure” than with “what someone does not know”.

What follows are some (not all) irrational beliefs about money: “money does not interest me”, “you cannot be rich and be spiritual at the same time”, “you have to work hard to become rich”, “I may be poor but at least I’m honest”, “to be poor is more noble and spiritual”, “the rich are bad people”, “you can’t have fun and earn money”, “I'm not good with money”, “if I win,someone else loses”, “there isn’t enough money for everyone”, “it is worth knowing more about the bad than knowing about the good”, “moneyis not important”, “money corrupts”, “the more money you make, the more taxes you pay”, “money can’t buy happiness”, “money is dirty”...

Just mentioning and writing these down exhausts me. Do you now understand why there are so many economic problems?

If you admit believing in any of the statements I mentioned, don’t let that bother you. Don’t feel guilty. The fact is, what you believed before and today are not important; what is important is what you choose to believe in from now on, going forward.

Let's be clear about this: I don’t think it is a contradiction that things are going well with you and that you’re doing a great service to others.

People generally do not make a connection between their beliefs and money because to them, these two seem unrelated. This book explains why there is a relationship. The years I spent working in a bank have taught me that the concept of prosperity constitutes a kind of "mental baggage". And my years as an entrepreneur have taught me all the lessons you're about to learn.

Every person who learn the ideas in this book - ideas I develop in my courses - have in some way, changed their economic life. My desire is to contribute to the financial education of people to alleviate their suffering caused by economic reasons.

This book is also about the changes the world is experiencing and the need to have a new way of thinking, because I know that when the rules of the game are changed, there is a need to adjust the way the game is played. Do you know the rules of the new economy? Let me tell you what I know about this subject.

Right now, there are millions of people around the world who earn a salary but do not have a life; they’re pining for financial freedom, aching to quit their jobs and create a new and more meaningful lifestyle for themselves. I believe - and I will also point out that this is an accurate statement today - that people need a jolt, a shock treatment, to wake up from the dream that keeps so many of them chained to a job that they don’t love, and therefore preventing them from acquiring wealth and freedom.

However, I do not wish to offend anyone nor impose my views on them. Please - all I ask is that you consider what you’re about to read as a personal matter. For my part, I promise to write about money without the fluff and filler.

When I refer to the educational system, please don’t feel that I am alluding to you personally if you happen to be a teaching professional. For me, teachers at all levels are heroes and heroines who do so much for so little. My sister is a teacher who works with teens, and I know firsthand that her day-to-day is more difficult than any of us can imagine. I confirm my appreciation of, and respect for, all teaching professionals.

This book has two parts: "Financial Freedom” - the money code - and "From Employee to Entrepreneur" - the money code in Action. The first part focuses on attitudes, the second on aptitude which constitute the heads and tails of the same coin: economic success. While writing this book, I try to explain financial concepts using simple, everyday language that everyone can understand, and I hope I have achieved this.

In the first part we shall examine the following: what is happening, why there are economic problems, what are the obstacles to financial freedom, and what is financial intelligence and financial freedom. I'll reveal what is not taught in school and what keeps people trapped in the race for survival. You will learn about the three roles people choose to play to create income. You will also learn the vocabulary of wealth.

There’s more.

You will discover the ninth wonder of the world - the notion of passive income. And finally, you will unlock the money code.

In the second part, you will learn: how an entrepreneur thinks and behaves, how to avoid common mistakes, how not to stagnate in a job, the importance of having a super product and a perfect system that works alone, how to start an irresistible marketing campaign and with what means, how to develop entrepreneurial skills, how to do more with less (thanks to ? how to promote yourself with ?, how to choose the ideal clients, how to position your personal brand, and how to tap the power of the Internet to develop your personal business.

The money code contains information that blow off those thought patterns that prevent people from becoming free and prosperous. I know what those thought patterns are, and I’d like to warn you about them. I won’t tell you what to do, when to do it, or how to do it; neither will I tell you what kinds of business work and which ones don’t.

The aim of this book is to unleash the financial IQ of all those reading this book. What each one does afterwards is their choice and their responsibility.

This book is for people who are employed, but who are dissatisfied with their work; it is also for those who already have their own personal business, but feel they must take it to the next level. I wrote it for people who are prepared to improve their financial situation. In effect, this is a book for everyone because we all handle money every day.

Raimon Samsó, author and key note speaker

Part I

Financial Freedom

1

Winning Financial Freedom

This is the easiest part of the book because it does not deal with learning but with “unlearning.” Whatever you want to achieve becomes possible after the process of subtraction, not addition. Do not seek financial freedom, it is better to get rid of all the barriers that come between you and this financial freedom. Eliminate the obstacles and nothing will separate you from what you seek. This book is intended to help you unlearn what you thought you knew about money, and what simply isn’t true.

I’m going to make a confession: My present income does not come from the traditional education I had. Nor is my present financial freedom the fruit of my university studies. The years I spent studying Macroeconomics, Financial Mathematics, Statistics, Econometrics, Economic History or Commercial Law did not make me earn a Euro all my life. Pity.

I confess that what I learned about money and other matters worth knowing were not taught to me at the university where I graduated with a degree in Economic Sciences, nor did I learn them from the three multinational companies where I was in charge of Finance; and I certainly didn’t learn them from the three banks where I worked. In fact, I learned the money code from my own system by creating multiple incomes, and in these pages I will happily share them with you.

Yes, during my transition from employee to entrepreneur, I learned some key lessons. And this book is the quintessence of the most interesting period of my life. More and more people ask me how they can transition from being an employee to an entrepreneur. I always suggest a process of coaching which will support them and ensure a smooth, well-planned transition; nothing traumatic at all.

Starting an independent professional activity is not a simple process - it is the force of inertia, in addition to overcoming the fears, mustering up a lot of courage and commitment, as well as a limitless amount of discipline and patience. I also suggest to start small. Invest a small amount of money but a lot of talent and creativity, because I know that initially, mistakes will be made.

Infinite patience and discipline are the attitudes that generate the most profit.

The key, as always and in everything, is to love and enjoy the process. If targets are important, the process of achieving them is even more important. The great gift of life is who you become as you pursue and achieve your goals.

The same goes for money; you get more if you don’t focus on making money per se, but instead focus on the enjoyment of serving people. If you do it this way, you can be sure that the money will come.

The secret to getting money is not chasing after it.

There are two groups of people when it comes to money:

People who need to earn money immediately (they work for money).People who choose to increase their income in the medium term (they work for assets).

When you don’t have a pressing need for money, it is much easier to create wealth. When you need it immediately, you reduce your chances of making money; all that’s left for you is to work for money. So I often say that economic prosperity is not achieved in a job, but outside the job.

Prosperity is an effect, and its cause are the beliefs one holds about money and financial education. Everyone who learns how to activate the causes of prosperity inevitably acquire material wealth. “Inside each life lie the causes of what goes into it," said F.W. Sears, author of How to Attract Success.

Admittedly, money loves that who loves the process, and not the one who loves the result. The first is the cause and the second is the effect. A strategy focused on the effects is as absurd as expecting to win the lottery without buying a ticket.

Money is the inevitable effect of activating its causes. Do you know them?

We must be taught, from a young age, that this is not a world of things but of “ideas that have solidified." That reality is an emanation of the mind. And everything that happens in the material world was created before the individual or collective mind. "If you see it in your mind, you will see it in reality", but if you cannot create it in your mind, it won’t go anywhere. Yes, "thoughts are things" - repeat that with me so you do not forget it. Money is also an idea, a concept, so you must create it before it is created in the mind. Since you have the ability to create thoughts, you can create wealth.

Is money an idea? Yes, money is an idea!

It seems like a clever play of words, but it isn’t. It's a solid concept, you can almost touch it because it is real. Money is an “amplifier” of your beliefs, it expands what is already in you. If your programming comes from a poor mentality, money will be tight; if your programming comes from a wealthy mindset, money will be a-plenty. Money reveals the idea you have about it, no more, no less.

Allow me to state a metaphor: people incorporate a "mental thermostat" that marks the maximum limit on the money they allow themselves to have. What is the "economic temperature" that marks your thermostat? It's easy to find it: examine your tax return, your bank statements, your income figures... Do not make excuses about it, these constitute the "thermometer" that defines your inner limits.

Poor thoughts, poor behaviour, poor results. Rich thoughts, rich behaviour, rich results.

Some people say: “Money is not important.” I agree, but at the same time, I don’t. I have arguments for those who say it is and for those who say it is not.

For those who say that money is not important:

In general, people who make this statement live in fairness; they state it with a sigh. Their beliefs are reflected in their economic life and they do not have sufficient money because for them, “it is not important". I wonder, how can they achieve something of no value? Because when they state that something is "not important", what they’re doing is getting away from themselves.

I have some questions for those who say that money is "not important": if it’s not important, why spend 40 hours or more a week in a job for 40 years or more? And why do they accept to be on the payroll at the end of the month? If it is not important, then it is not necessary ...or is it?

See how it is important?

Two additional questions for those who are not yet clear about it.

One: if they had a hundred million Euros tomorrow, would they be doing the same thing in the same manner, and for the same number of hours each day?

Two: If they had five years left to live, would they be doing the same thing?

And for those who say that money is important:

Generally, I don’t want to spend life working just to earn money. Since they don’t want to always worry about money, they solve this issue once and for all so they can enjoy life. They learn the rules of the money game and apply them. They get in shape financially. They do their homework and don't wait until the last minute to prepare for the exam. As an issue that is important to them, they solve it right away and then focus on living.

Sir Richard Branson, founder of the Virgin empire, said that all people come to him ask about his secret for making money. But what he actually sees is that what people want to know is how they can make money because, he says, everyone wants to be a millionaire. The answer he gives them is: "I try to have fun. What good is spending all their time working until they’re exhausted? Having fun refreshes you and stimulates you at a spiritual level. Knowing how to laugh at yourself, to love, and appreciate others is what life is all about." Thank you, Mr. Branson for clarifying this.

Make no mistake, money is not important to what isn’t, and is important to what it is.

We agree that money influences many areas of our lives. For example, the lack of money is one of the leading causes of anxiety, many couples break up because of discussions about money problems, and too many lives are not lived fully because of a lack of money. Statistics tell us that financial problems are the leading cause of divorce (it’s not a lack of love but the lack of money). These financial problems may even mean the difference between life or death in some situations.

What follows is something I did not write myself; it’s from the pen of Dostoyevsky: "Money is coined liberty." I totally agree. Money buys the freedom for us to choose what to do with our time.

I know very well that money cannot buy happiness, but I know too that the lack of money cannot make you happy. It’s been proven. Okay, money does not buy happiness, but you are so close to it that you can start your “happiness walk” in just a few minutes. In fact, money creates a mental state that is so close to happiness that even a skilled neurologist can tell the difference. Kidding aside, when you're not feeling pressured about the need to make money, you stop worrying every minute about where the next euro or dollar will come from, and you can start feeling rich and free!

3

How to Overcome Crisis

When speaking of crisis, we focus more on the problem than the solutions. The downside is that we don’t usually like these solutions. The most effective solutions are those that we like less (this is a proven fact). The final solutions are often the ones that make us most uncomfortable because they call into question our old beliefs and habits... It is no coincidence that the most unpleasant solutions are truly the most effective.

In addition to the crisis, another structural phenomenon is happening in the background and is here to stay: globalization. They are the two different phenomena that today overlap in time. Crisis is temporary (conjectural), globalization is structural. One will go, the other stays. When the crisis ends, we realise that we face a much more complex economic climate: the global economy.

Things will never be as they were before.

One effect of globalization is off-shoring; it is starting now with the "blue-collar jobs" and will extend to the "white-collar jobs” eventually. The manager who prepares the employment adjustment file does not realise that he may be the next in line.

Sitting around and hoping that the crisis will pass (or ignoring globalization) is the worst approach. Let’s compare this situation to eating: after we finish the first course (crisis), we are then served the second meal (globalization). I doubt very much that the average person is prepared for this second course.

For example, a person is unemployed and repeats to himself that “nothing comes out of this for me." Perhaps “what is his” is no longer necessary or no longer worth having. So why don’t we recycle it, perhaps he needs to open a suitcase of memories to find “his thing.”

The average person thinks that the crisis is the problem that needs to be solved, but he is not aware that his poor financial education exacerbated his situation even before the crisis occurred and left him defenceless in the face of globalization.

Crises are natural processes, they are part of the expansion and contraction of life, like a heartbeat. They’ll always be there. When the media are obsessed about creating a bad atmosphere, this provides an additional excuse for those people to use them to throw in the towel. A crisis can be an excuse for not taking action.

How do we prepare for economic development in both phenomena: the presence of crisis and globalization? I think I have the answers:

If your job turns you into a computer, find another job.

If your job turns you into a robot, look for another job.

If your job is based on experience, look for another job.

If your job is not creative, look for another job.

If your job does not bring meaning to your life, look for another job.

If your job is too manual, find another job.

If your job can be digitised, find another job.

If your job can be done with less, find another job.

If your work does not excite you, find another job.

...

And in any of the cases mentioned above, if you don’t find it after searching, create it (invent it).

For everyone: do something that requires talent, choose an occupation that provides direction and meaning to people, and choose jobs that are creative, innovative, and require a lot of talent. In short, run away from production jobs like the plague.

Two concepts to consider: interchangeable work and non-interchangeable work. Any work that is interchangeable will change in terms of the job holder and its location (work exported to the east); non-interchangeable work will stay.

Another interesting concept - proximity. If your job requires proximity to the customer, you have a lower risk that it becomes interchangeable or that it can be digitised. There is only one message: specialise in what you do, deliver talent that cannot be digitised, know how not to be interchangeable and develop proximity.

Production work can always be done for less money. Or better, with higher quality and efficiency. Emerging countries constitute the large pool for outsourcing. Companies have already realised that outsourcing (international sub-contracting) improves processes (100% increase in productivity) and lowers costs (75% in salary savings). And they have found that home-sourcing (domestic sub-contracting) improves productivity by 30%.

So, where is your competition? (Yes, your competition!) Answer: Everywhere: they are the people who work from home, the professionals, and the companies that are several thousand kilometres away.

A company employee competes with other people who work for themselves and who want to do work for the same company. We can see them, but soon we will feel them breathing down our necks, and how they can potentially lower payroll costs.

The same thing happens in companies: they not only compete with other companies in the same sector, but with the self-employed who can do the same work, using the same technologies (all have access to the same tools), and with a smaller structure, and therefore more price-competitive. I currently provide training in multinational companies that previously worked with major training companies.

In times of crisis, we get tired of hearing arguments like: “it’s not a good time," “it’s not the thing to invest in", “it’s risky" ... When in fact, what they’re saying are: "I am afraid of doing it," "I do not like to do it," “I do not know how to do it" ...

It isn’t the crisis, unemployment, indebtedness, or the market ... it’s about us, it’s about you. We! You! It’s about people who don’t believe in themselves and in their possibilities; consequently, they project their distrust of the situation. Crises are largely a lack of confidence (if man can have desires without having doubts about the results, his desires would be fulfilled at once).

I will share with you this quote from Paul Romer: "A crisis is something that cannot be wasted." He also said: "We all want economic growth, but nobody wants change.”

Like him, I think a crisis is an opportunity for improvement. They symbolize the need for change, and money loves the rapid pace of change. A crisis is a sign that something new is just around the corner.

The most brilliant mind of the last century, Albert Einstein, said this about crisis: "Let's not pretend that things will change if we keep doing the same things." A crisis is the greatest blessing that people and countries can have because it brings progress. Creativity is born out of darkness. Inventions, discoveries and great strategies are born from crises. Whoever overcomes crisis outdoes himself without being "overcome".