Making Money

Making Money, MONEY-WEALTH

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Making Money, Creating Wealth:
Making Money, Creating Wealth:
Your Guide to Financial Independence
By
Philip E. Humbert, PhD
Philip E. Humbert, PhD
© Copyright 2000, All Rights Reserved
The Philip E. Humbert Group, Inc
Contact the Author on the Internet at:
Making Money, Creating Wealth:
Your Guide to Financial Independence
Table of Contents:
(To jump instantly to any chapter, just click on the Chapter # or Title)
Page
2
Chapter 1:
Intro: Making Money, Creating Wealth
3
Chapter 2:
Money as an Idea or Symbol
5
Chapter 3:
Money as a Measure of Value
6
Chapter 4:
Understanding The Cost of Entry
7
Chapter 5:
The Value Comes First, the Money Comes Second
9
Chapter 6:
The 4 Paths to Financial Freedom
11
Chapter 7:
The 10% Solution
16
Chapter 8:
Top 10 Reasons to Invest in Mutual Funds
18
Chapter 9:
The Keys to Keeping What You Have
20
Chapter 10:
Top 10 Steps to Becoming a Millionaire
24
Chapter 11:
The Next Steps
26
Chapter 12:
Continuing the Journey
28
29
31
Making Money, Creating Wealth
By: Philip E. Humbert, PhD
© 2000, All Rights Reserved
Page 2
Forward
This book began as a series of articles in my weekly newsletter, TIP’s. I was not surprised
that my 11,000 readers would be interested in articles on the topic of making and keeping
money. But I was surprised at the number of emails, calls and letters I received, thanking me
for presenting the information so clearly, and in such a practical, useful way.
That touched me, and I began thinking about compiling the three articles into a little
pamphlet, which eventually grew into this book. As the book grew, I was encouraged by my
coach to consider printing it and selling it as a self-published book. Obviousy, the idea of
making money by publishing a book on money made sense and was very attractive!
But, I kept going back to those emails and letters from long-time subscribers. Those notes
moved me with their sincerity and their gratitude for a book that put money in perspective,
that helped them understand how money works, what it is, and how to manage and use it to
achieve their dreams. I wanted as many people as possible to have that experience, and I
decided to give this away, free of charge on the Internet.
I want lots of people to read it, and I hope lots of people will get rich using the ideas on these
pages. And so, I have three requests:
1. If you enjoy this book, please print a copy for yourself, and then use the information to
take control of your finances. Use it! It’s free, but I believe it is extremely valuable. So,
your first lesson in getting rich is to never confuse the value of something with its cost! The
cost here is zero. But many people have told me that the value is very high. So, if you enjoy
it, please encourage your friends, family and colleagues to visit my website and get their own
copy. Again, there is no cost, but tremendous value! So, pass the word!
2. This remains a work in progress. If you find errors or points that are unclear, please let me
know. I welcome your feedback. Because it’s published on the Internet, it’s easy to add or
clarify points, and your contributions will make the book even richer for those who follow
behind you. Please write to me at:
3. While this book is free, and can be downloaded from my website by anyone,
it is
Copyrighted, and all rights are reserved!
You may not copy, modify or use this material in
any way without permission in writing! I must protect my intellectual property rights. But,
please do encourage friends, family members, and colleagues to visit my website and get their
own copy. And, if you want to use this material for your own articles, on your website, in a
newsletter or to teach a class, please contact me and let’s work out something wonderful!
© Copyright 2000, All Rights Reserved by
The Philip E. Humbert Group, Inc.
 Making Money, Creating Wealth
By: Philip E. Humbert, PhD
© 2000, All Rights Reserved
Page 3
Chapter 1: Intro: Making Money, Creating Wealth!
The following pages are about understanding, making and keeping more money. I have two
very simple objectives: to give you a summary of what I’ve learned about money over the
past 30 years, and to give you specific steps so you will take
action
.
Information is among the most worthless commodities on earth. We are flooded with
information from books, magazines, news and seminars, not to mention TV. We have far too
much information – and not enough guidance about using it to make a significant difference
in our lives. That is my goal with this book. I want to give you the best of what I have
learned from working with over 100 entrepreneurs, and investing in the stock market and in
my own businesses for many years.
And the one thing I’ve learned above all else:
Action
is the only thing that counts. Even
clumsy or mis-guided or inefficient action will bring results. Maybe not wonderful results,
and maybe not the right kind of results, but action always creates an outcome.
By taking action, you can avoid or get out of debt. By taking appropriate action, you can
manage money and use it to create wealth. And the truth is, even if you make lots of
mistakes, you can
still
accumulate a fortune. Wealthy people make far more mistakes with
their investments than most of us – they just recognize them sooner, adjust quicker, and are
always taking
action
to move forward. As long as you take action, you will get results.
We can’t say that about information. The best book in the world on investing is of no more
value than a rock, if it sits on your desk, unread and ignored. It becomes a paper-weight or
dust collector. Do not let that happen!
There are dozens of wonderful books on making and keeping money. And I have provided an
appendix that lists those that have been most helpful for me. So, why am I writing another
one? Because I don’t want this to be just a book, at least not exactly. I want this to be a
tutorial, a primer, a call to action and your own personal Declaration of Financial
Independence!
If you want to study economics, go to college. If you want to understand the banking system
or the politics of Fed policy, this book is not for you. Stop reading and be grateful you down-
loaded it for free, because that’s
not
where we’re going.
But, if you want to reduce your credit card debt, invest wisely, make more money, and have
more in your pocket at the end of the year, then this is for you! Let’s get going!
And…here is the usual disclaimer.
 Making Money, Creating Wealth
By: Philip E. Humbert, PhD
© 2000, All Rights Reserved
Page 4
I’m going to be very candid in the pages that follow, and when I have an opinion about what
works or what I think you to should do attract wealth, I am going to say it. I have lots of
advice. And, some of it might even be good advice! But, I am
not
a financial planner. I am
not
a professional investor, stock broker, insurance agent or lawyer. I am a coach and a
businessman. My opinions are my own, my point of view.
Take my advice with a grain of salt, question it, and for goodness sake, don’t trust a thing I
say! Always check with your own professional advisors. Read and educate yourself about
any investment you are considering, and once you invest, monitor your investments closely.
It takes work to get rich slowly! And no one will take as much interest in your financial
future as you will.
Actually, that’s your first lesson in getting rich – never trust anyone who promises to make
you rich! It doesn’t work that way! Only you can make you rich.
With a good education, solid information, a bit of wisdom, patience, insight and a willingness
to take
action
, I believe almost anyone can accumulate substantial wealth. But you don’t get
there by following a guru, or by being lazy. You get rich by earning it.
So, let’s get started!
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