The Secret to Money Mastery

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For two days only, Friday May 18 – Saturday May 19, the Kindle Edition of the ebook, The Secret to Money Mastery will be available for FREE.  Here’s how you get it.

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The Secret to Money Mastery

Product Description

The Law of Attraction shows us how to use the scientific principles we live with in order to deliberately attract into our lives those things that we most desire. This book focuses more narrowly on those principles and practices that can dramatically accelerate how quickly you attract financial prosperity to you.

Your nonconscious brain is immensely powerful. Its impulses travel at 100,000 mph, compared to about 120 mph for conscious impulses. Likewise, it processes 400,000,000,000 bits of information per second, compared to about 2,000 bits per second in the conscious brain.

You will learn the secret to unlock this phenomenal power that is already within you in order to create an ongoing income, get out of debt, and build an investment plan that will carry you automatically toward your own picture of financial prosperity.

About the Author

Kent T. Stuver graduated in 1995 from Brigham Young University’s nationally recognized School of Accountancy. During the first years that he worked as a tax accountant, he realized that a number of his clients did not understand the basic, common-sense principles of personal money management. So, he wrote and published the small booklet Control Your Cash Flow, which he gave to his tax clients. Over the years, Kent was intrigued more by the few people who did not see a difference in following his principles, than by those who did. In the end, he realized that the difference lies not so much in the conscious actions taken by people, but rather in the programs they are running in their nonconscious brain. This led to several years of research into the latest neuroscience and psychology behind what drives people’s behavior. The Secret to Money Mastery is the result of his solid financial training combined with his research in neuroscience. It teaches how you can reprogram the immensely powerful nonconscious brain to achieve your financial objectives, as well as how to follow the basic, common-sense money management principles he originally taught his tax clients.

Download the Kindle Edition from Amazon.com FREE (reg. $2.99).

When people say that they have problems, in many cases  those problems can be boiled down to money problems.  Let’s look at some interesting facts.

1. Money issues are one of the biggest causes of divorce.
2. Personal bankruptcies are at their highest level in 10 years.
3. An increasing number of cases of spouse and child abuse are fueled by stress from job or money problems.
4. An increasing percentage of people who reach age 65 don’t have enough money to retire.

Think about it. . . nearly any problem you can think of will be worse if you don’t have the money to deal with it.

• A flat tire is definitely annoying.  But if you don’t have the money to buy a new tire, it can become a crisis.
• Health problems are always difficult to deal with.  But if you can’t afford a readily available treatment, you may die earlier than necessary.
• Tax time is never fun.  But if you don’t have the money to pay the taxes that are due, things can get really nasty, really fast.

So, getting to a point where you have excess cash to deal with uncertainties will do a lot for many people to relieve their stress levels.  More importantly, removing money as a decision factor when dealing with problems gives you many more options.  You become free to concentrate on the best way to solve the actual problem, rather than being forced to fixate on how you will be able to afford the cheapest option.

We first need to have enough money to provide our basic survival needs.  Then we need to have enough money so we feel secure.  Only when we have accomplished that can we focus on abundance. This is where the concept of the Emergency Fund is so critical, to help us deal with Murphy when he strikes.

Learn about the book, The Teens’ Guide to Becoming a Millionaire by clicking here.

Learn about the book, The Secret to Money Mastery by clicking here.

For some time, I’ve been trying to unsuccessfully maintain two blogs:  one for my book The Secret to Money Mastery, and this one for my new book, The Teen’s Guide to Becoming a Millionaire. This has proven to be too much for one simple person to maintain. So, I am consolidating both blogs on this one site as a general author blog site.

My other domain, TheSecretToMoneyMastery.com will now redirect to this site. I will be reposting some of my favorite posts from TheSecretToMoneyMastery.com from time-to-time.

Many of the things that I post will be relevant to both teens and adults. For posts that are specifically targeted to teens, I will use the tag “teens” to set them apart.

Learn about the book, The Teens’ Guide to Becoming a Millionaire by clicking here.

Learn about the book, The Secret to Money Mastery by clicking here.

Get the FREE Kindle Edition of the Book The Teens’ Guide to Becoming a Millionaire for One Day Only

For one day only, Wednesday, May 9, 2012, the Kindle Edition of the new book, The Teen’s Guide to Becoming a Millionaire, will be available for FREE. Here’s how you get it.

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You Can Be a Millionaire!

You’re likely an above-average teen. And, you want to be a millionaire.

You’re too smart to fall for get-rich-quick schemes.  You understand that becoming a millionaire will take some time and effort.  All you need is to be shown how.

The reality is that you can have a normal intelligence or be the world’s greatest genius. You can have a minimum wage job all your life or become a highly paid professional.  You can be a totally and completely normal teen.

But, the earlier you start, the easier it is to become a millionaire.

Ages 12 to 19 can be some of the most powerful years to build the foundation of a net worth of one million dollars.  And there is a simple, methodical path that anyone can follow.  The Teen’s Guide to Becoming a Millionaire shows you how you can start now.  Here are just some of the things you will learn.

• Why the teen years can be some of the most powerful years toward becoming a millionaire.
• What the Accumulation Factor is, and how you can use it to draw money-earning opportunities to you.
• How to define your Millionaire Outcome, why that is so important, and how to begin living it today.
• How to turn a part of your brain into a powerful supercomputer that works 24/7 to turn you into a millionaire.
• How you can supercharge a part-time job into a millionaire income.
• How a simple Spending Plan will let you spend your money on the things that are important to you, while you still achieve your millionaire outcome.
• How letting your money work for you is the simple, systematic engine that drives your millionaire plan.
• How some simple Millionaire Accelerators can make the process go faster.
• How you can be truly happy, no matter where you are on your path towards becoming a millionaire.

Start today to begin making your Millionaire Outcome a reality.

Download the Kindle Edition from Amazon.com FREE (reg. $5.99)

There are several natural laws that govern the relationship between time and money.  If you are a teen who wants to become a millionaire, it is vital that you understand these laws. Let’s look at the laws first, then we’ll talk about them.

Law #1 – We all have a limited, finite number of moments of time in our lives.

Law #2 – None of us knows in advance how many moments of time we will have in our lives.

Law #3 – When we choose to spend a given moment of time doing something, we have by default chosen not to do anything else in that moment of time.

Law #4 – Many of us spend more moments of time in a given week working for money than in any other single activity.

Law #5 – When your income is not dependent on your labor, you have greater control over your moments in time.

These laws illustrate how valuable each individual moment of time is.  I remember when I first came to this understanding.  I was working as an employee, and in order to meet an important deadline we were working mandatory 60-hour weeks.  I had to pass up some fairly important family events, as a result.

I remember feeling very strongly that I was not in control of my time.  I became very vividly aware that, once a moment of time has passed, it is gone forever.

In the United States, we regard Benjamin Franklin as one of our founding fathers.  Ben was a well-respected writer, inventor, and statesman in the America’s during the 1700′s.  He invented the modern weather bureau, daylight savings time, the Franklin stove, bifocal glasses, electric explosives, and public libraries, to name a small sample.  Ben was not only influential in the United States, but was also highly regarded throughout Europe.

Ben worked to very intelligently convert his time into money while he was young.  He did this so well that he was able to step away from his day-to-day business affairs by age 42.  At that point, he was able to convert his money into time.

Interestingly, most of what we remember Ben for are things he accomplished *after* age 42.

Ben learned that one of the most effective time management strategies is good money management.  He learned that, by wisely managing his money, he gained many additional options for how he could spend his time.

Although most of us will not accomplish the same types of things that Ben did, the money mastery principles are just as powerful today as they were 250 years ago.  As you master your own money, you will find that you have more options in your life than you ever thought possible.

Learn about the book, The Teens’ Guide to Becoming a Millionaire by clicking here.

Why do you want to become a millionaire?

I’m going to take a leap here and suggest that it isn’t a pile of cash sitting in a vault somewhere that excites you.  Most likely, what gives meaning to the word “millionaire” in your mind is the thought of what being a millionaire will allow you to be or to do or to have.  You may have a particular lifestyle that being a millionaire may represent in your mind. You may have some things you want to acquire, which you picture that being a millionaire will help you to obtain. Or, you may have something you want to give back to society at the scale that only millionaires can give.

For a teen who wants to be a millionaire, knowing what it is that you really want is important and helpful for a couple of reasons.

First, your brain really can’t wrap itself around the meaning of a million of anything.  In order for the non-conscious part of your brain to step up and really help you get there, it has to have a very clear picture of what you want. To begin with, your millionaire outcome may be somewhat vague. But, by becoming very clear about what you want to be or do or have, you give your brain something meaningful that it can understand.

This clarity is what I call your own, personal millionaire outcome. And, your millionaire outcome will be different from everyone else’s.  No one else’s millionaire outcome will help your brain focus its energies like your own millionaire outcome will.

Second, the truly amazing thing is that you may not need to wait until you are a millionaire to begin achieving your millionaire outcome. As you define more and more detail around your millionaire outcome, an interesting thing will happen. You will see that some aspects of your millionaire outcome are truly long-term. But other aspects may be reachable over the next year or two. And, some of them you can start working on today!

This is huge. If all you were to ever think about was just the stacks of cash, that likely wouldn’t be enough to motivate you to start taking action. But, when you see that this one particular part of your millionaire outcome is something you can actually achieve within weeks, days, or hours, that can help you get up and start moving. And then you develop a momentum that will carry you to the achievement of your complete millionaire outcome almost automatically. And, it can happen faster than you may think.

So, this week, set aside some time to sit with a pad of paper and a pencil. Ask yourself these questions:

• Why do I want to be a millionaire?
• What does being a millionaire really mean to me?
• What part of this can I start working on now that I can accomplish soon?

Once you define what those “get it now” elements are, take action right away–this minute if possible. Tony Robbins says that we should never leave the site of setting a goal without taking some action to accomplish that goal.

Then, every day review in your mind your millionaire outcome. Play it out like you are watching a movie in your brain. Picture it as vividly as possible, as if you were living it in the moment.

And, prepare to be amazed when you see what begins to happen in your life.

Learn about the book, The Teens’ Guide to Becoming a Millionaire by clicking here.

Did you know that nearly everything you can do, many animals can do better? Eagles can see many times farther–as much as a mile away. Cheetahs can run many times faster–as fast as a car on a the freeway. Elephants are many times stronger, and can lift heavy loads that we require heavy machinery for.

The one thing that sets you apart from the rest of the animal kingdom is your mind.

Only in the last 15 years or so have we really begun to understand how truly powerful your mind is. Interestingly, the true powerhouse of your mind is not the conscious part that you use to learn, think, socialize, and plan. It is the non-conscious part of your mind that is particularly amazing.

Impulses in the non-conscious brain travel at speeds of 100,000 miles per hour. This is about 800 times faster than conscious thought impulses, which travel at about 120 to 140 mph.

The non-conscious brain processes about 400,000,000,000 bits of information per second. Your conscious brain processes only about 2,000 bits of information per second.

Your non-conscious brain stores and remembers one hundred percent of everything it ever perceives or experiences, forever. Your conscious brain can typically remember random facts for only about twenty seconds, unless there is some special reason to remember them longer.

It is your non-conscious mind that can make you a millionaire–much more so than your conscious mind can. But, you have to know how to program it. There are many ways to program your non-conscious mind. Here is one simple thing you can do, which has created more millionaires than perhaps any other single thing.

To become a millionaire, all it takes is one winning idea. We often think of ideas as thoughts that come randomly into our mind. But, it is actually possible to very deliberately program our non-conscious mind to generate ideas.

All you have to do is this:  sit down with a pad of paper and a pencil. Across the top, write down your major objective in the form of a question. Then, write down 20 ideas that you haven’t thought of before.  Keep at it until you have the full 20 ideas, no matter how crazy or improbable they may be. Then, repeat this process every day.

Your major objective is the main thing that you want to achieve at that point in time. If you know you want to become a millionaire, but don’t know how, then write your question as, “How can I become a millionaire?” After some time, you may have decided on your one winning idea, but may not know how to achieve it. At that time, you may change your question to something like, “How can I accomplish X,” where X is your winning idea. And, you can change your question to any obstacle you may be facing.

There are a couple of things to expect.

First, most of your 20 ideas won’t be any good.  That’s OK. Every day, at least one or two of your ideas will have the seed of a potential winning idea.

Second, you will actually find that the most powerful ideas come to you at odd moments throughout the day. They may even wake you up at night. Keep a notepad and pencil with you, and write them down as soon as they come to you.

Here’s what is happening. There is a part of your brain called the reticular activating system, or RAS. Every second, the non-conscious part of your brain is exposed to millions of impressions that you aren’t consciously aware of. The job of the RAS is to filter through those millions of impressions and to only present to your conscious mind those things that it understands that you have an interest in.

By doing the 20 ideas exercise every day, you program the RAS to look for ideas to achieve your major objective. Once the programming is in place, your non-conscious brain will throw its entire, massive computational power into searching for exactly what you need. It will do this 24/7, while you are awake or while you are asleep, while you are socializing with friends or while you are in class. And, it will present those ideas to you when you least expect them.

Remember, all it takes is one winning idea to make you a millionaire. So, do the 20 ideas exercise each day, and you will be amazed at how quickly you move along the path to your own millionaire outcome.

Learn about the book, The Teens’ Guide to Becoming a Millionaire by clicking here.

If you want to become a millionaire, there’s one law that you absolutely must break.

Now, I’m not talking about the laws of the land. Breaking those can be totally counterproductive in your quest to become a millionaire.

The one law that you absolutely must break is Parkinson’s Law.

Parkinson’s Law states that the amount of a resource required will always grow to meet or exceed the amount of the resource available, unless you protest to the contrary. As far as becoming a millionaire is concerned, this means that the amount of your expenses will always grow to be as much as 5 to 10 percent higher than your income, unless you explicitly do something to prevent this.

Look at the chart below.  For most people, as their income rises, their spending rises even faster.  The only way to spend more than you earn is to go into debt.  And, the debt tends to increase faster than the income does.

There is one simple thing you can do to break out of this.  From now on, resolve to divert one half of every income increase to your Millionaire Fortress Fund.

Suppose that this year you get a 3 percent raise in your hourly wage.  Set aside half of that increase every paycheck from then on.  The next year, suppose you get a 4 percent raise.  Save half of the 4 percent in addition to the half of the 3 percent you are already setting aside.  Keep doing that every time you get an increase in income.

By doing this, you end up with a picture like this.  Your wealth grows and outpaces your income.

Some people find it pretty hard to set aside a portion of the income they currently have, which already doesn’t seem like it’s enough.  But it’s often a lot easier to commit to saving money that you don’t have yet.  And, by only saving half of the increase, you can continue to let your lifestyle grow with your income.  But, you make sure your wealth grows as well.

To paraphrase something that Tony Robbins says, being a millionaire isn’t about making some huge change.  It is actually a matter of making tiny, one percent changes every day.  The reality is, after a year, you won’t just have 365 percent improvement.  This will really add up to thousands of percent improvement.  That’s because each day’s improvement stacks on top of the prior days’ improvements and the whole effect just compounds.

So, do it–break Parkinson’s Law! Make your wealth outpace your income. Good fortune on your journey toward becoming a millionaire.

Learn about the book, The Teens’ Guide to Becoming a Millionaire by clicking here.

You’ve probably heard the phrase, “It takes money to make money.”  This is true–sort of.

Money has some interesting characteristics.  By understanding these characteristics, taking the first steps toward becoming a millionaire is actually pretty easy.  Not understanding them, though, can be disastrous.

The first characteristic of money is that it tends to go where it is valued.  It tends to flee from where it is not valued.

How much do you value the money that you have?  Brian Tracy mentions that it’s really pretty easy to see how much value people place on their money.  You simply look in their wallet.

If your wallet looks like someone threw up in there, with your bills all crumpled and mixed up and everything all askew, you haven’t yet placed much value on your money.  If that’s the case, then you likely have very little idea of how much money you have received and how much you have spent.  You probably find that you can’t find money that you thought you had.

On the other hand, if you look in your wallet and you see that your bills are all nicely organized according to denomination, with everything in its proper place, then you probably have placed a high value on your money.  You likely have a very good idea of how much money you have at any given time. Your wallet is a place where money will tend to be attracted to.  And, you may find that money comes to you unexpectedly.

The second characteristic of money is that, once you begin accumulating money, it will tend to continue to accumulate for you.  And, the more money you have, the faster it will accumulate.  As long as you are accumulating it with the desire to let it grow, it will tend to keep growing.

The nice thing about this characteristic is that you can start out by accumulating a very small amount of money, and the same rule will still apply.  Even if you begin by accumulating only 10 or 25 cents a day, it will start growing.  And, it will continue to grow as along as you don’t stop the accumulation by spending it.

So here are two extremely simple parts of a powerful habit you can form, which will put your journey toward becoming a millionaire on autopilot.

First, organize your money.  Figure out how much cash you have and how much you have in the bank.  Organize the bills and coins in your wallet and keep them organized.  Begin keeping track of how much money you receive, how much you spend, and how much you have left over.

Make your awareness of how much money you have so strong that someone could suddenly wake you up at 3 o’clock in the morning and ask you, “How much money is in your wallet?” and you could tell them without having to think about it.  The same goes for “How much money do you have in the bank?”

Second, get a large fruit jar (clean it out first).  Label it as “My Millionaire Fortress Fund” or whatever you like.  Decide on an amount of money that you will commit to putting into the jar every day.  It can be ten cents a day, a dollar a day, or whatever sounds right to you. Then, just DO IT.  Drop your ten cents or dollar into the jar every day, without exception.  At the end of each week, take the money from the jar and deposit it in a savings account.

An interesting thing will happen. Suppose you decide to put a dollar a day in your Millionaire Fortress Fund. At the end of 30 days, you won’t just have $30.  You’ll have $35 or $40.  At the end of 60 days, you’ll have $80 or $100, instead of just $60.

Some days you may find that you have more money in your pocket than just a dollar, and you’ll drop that in, too.  You may find money lying on the ground, or someone may give you some unexpectedly.  You’ll drop at least some of that in the jar, also.

One day, you’ll have enough money coming in, and your finances will be in good enough shape, that you’ll decide you can actually put $1.50 in each day instead of just $1.00.  Before you know it, you’ll have hundreds and even thousands of dollars in your Millionaire Fortress Fund.

Then, when you least expect it, an opportunity of some kind will present itself to you.  None of us can say now what that opportunity might be.  But, this opportunity will allow you to increase your Millionaire Fortress Fund quicker than you ever thought possible.

Brian Tracy tells the story of a man who attended his seminar.  This man was somewhat shy and not the most attractive person ever.  He sold used cars and wasn’t particularly successful. But he decided to follow this plan.

As his money started to grow and accumulate, he found that he started to have better results in his job.  He closed sales that he didn’t expect to close.  Over several months, he was able to drop in larger and larger amounts of money into his jar each day.  As he began to accumulate thousands of dollars, he was promoted to new sales, and was able to set aside even more.

After three years had passed, he had accumulated about $30,000.  One day, his boss came to him and said, “I understand you’ve saved up some money.  How would you like to invest it?”  Well, this scared the man, since all his money was in a statement savings account.  But, it turns out that the auto manufacturer wanted a dealership in a newer, faster growing area of the city, and his boss was willing to back this man to become that new dealer, based on his track record of saving.

The man invested his $30,000 and his boss invested the rest that was required.  The new dealership was more successful than they had anticipated, and after about three years, he was able to buy his old boss out.  “Now,” he said, “I’m a millionaire.”

To be clear, your own experience will be different from this particular man’s was, because you are a different person.

But, it is absolutely the case that opportunities pass you by every day.  You simply don’t recognize them, in part because you don’t have the capacity to act on them.  And, following these two steps will get you there faster than almost anything else will.

Brian says that his own research has shown that the number one reason why people don’t become wealthy is because it simply never occurs to them that they can.  The number-two reason is because they never decide to become wealthy.  Don’t let this happen to you.

So, organize your wallet and get out your jar.  Follow these two parts of this millionaire habit, and you can begin to say to yourself, “I’m a millionaire.”

Learn about the book, The Teens’ Guide to Becoming a Millionaire by clicking here.