7 Pasos para alcanzar Independencia financiera ⎮Sergio Fernandez, Pensamiento Positivo

The main problem is the lack of freedom for me. Freedom is one of my fundamental values ​​in life. I don't know if it is among yours and it is among the top two or three, but for me it is essential, that is, a life in which a person cannot be free, that is, that it can be said and have that which is truly alienated with their essence. eh, it's not a full life. So for me, money makes sense in that it helps us be more free. Look at the cynicism that exists about this in society; there are a lot of people who constantly tell me about the issue of money. money what do they say no I'm not interested or I don't care Look we even know it Eh then it catches my attention a lot because say man not to be interested You get up very early eh Just for money I mean it's like no not to not be interested it seems that There is like a small contradiction.

So I say it. I am interested in the topic of money. I am interested in the topic of health. I am interested in the topic of love and I am interested in everything that has to do with being able to lead a fuller life. So this part Money interests me insofar as it allows us to enjoy greater freedom. For me, the impossibility of wanting to do something and not being able to do it seems like an anomaly. On this planet, all of you who have come to abundance conferences or abundance seminars know that this It is one of the starting points, it seems to me to be a true anomaly and it also catches my attention and I am not saying it as something discursive but rather I feel it within me that someone says I would like to do this and that I would not. could do it.

I think we need to get used to showing surprise in the face of anomalies of abundance, that is, when there is no abundance we should be surprised, we should say something is failing here, but I don't know that it is failing, but something is failing, and in that sense the issue of money is a accelerator is a means that allows us to accelerate the materialization on the physical plane of what we desire. But be careful because here I want to introduce a new concept and it is the topic of distinguishing the desires of the soul from the desires of the ego.

Note that each of them We have desires Sometimes they are ego desires They are silly desires They are the desires that you don't really want They are the desires that you want to look better than someone to show off in front of another because you are distracted and when you set that goal you didn't even You were focused on whether it was really a desire of yours, you identify this within each of us and then there are desires of the soul, which are the desires of truth, which are the desires that give meaning and meaning to our lives, which are the desires for the that we never have an excuse that they are the desires for which we always find a solution that they are the desires for which there is always a purposeful and creative thought and we need Before talking about the topic of money to distinguish what desires we are working on today in our life I am working on the desires of the ego I am working on the desires of the soul and it will never influence What is the objective the objective does not matter what is best for one person having a car is a desire of the ego but for another a desire of the soul he explained to me.

To say, the object is not the lifestyle or the profession or whatever, but how that fits with who you truly are. So I think the important thing is to learn to realize what the desires of the soul are, the true desires, the desires. They are on your life mission and let's start working towards it. Note that with respect to money there will always be. You will always have a problem. In other words, we will never get rid of having a problem with money. Now you have to choose which one you want. You have to choose between problems involving little money or problems involving a lot of money, but you will always have money problems.

What you need is to have quality problems. You understand the difference. What you need is. I recently spoke with an entrepreneur from the master's degree and she told me about a new problem. that he had had and as I have seen his evolution in recent months I told him I said but this problem is brutal it is fantastic it is a problem it is a problem it is a very good problem I say remember the problems you had a few months ago and compare it with this problem months ago you had very small quality problems it is understood What about small quality or high quality problems is understood yes or no a small quality problem is the problem that you solve and You remain the same it is the problem that you solve and your life It does not advance and the high quality problem is the problem that when you solve it, your life goes to the next level.

So I said to her, Auntie. Now you have good problems. I mean, this problem is great, solve it, but even if you don't solve it, you are already at a level of consciousness or in an evolutionary level in which you are having better problems because the same thing happens with money you will either have problems with little money I can't make ends meet or problems with a lot of money I don't even know where to put it, you see but you will always have some type of problem Some give them even a silly laugh I ask myself that's the one I want Well let's go with the solution Hey what is the solution to start working on our Financial independence There are three steps the first is to become aware as always become aware or in other words way to tell ourselves the truth the main problem that human beings have when it comes to solving problems in our lives is that we do not tell ourselves the truth We deceive ourselves So since we deceive ourselves there is no human way that we can solve that so the The first step is to become aware of the The second step is to make the decision of how I want to start thinking.

From now on, notice that all the results in our life originate in thought. There is a sequence that is the sequence through which Things are created on this planet in this universe which is the sequence thought emotion action habit result you understand thought the first thing there is thought thought created the world thought creates matter that depending on how you think leads you to feel in an emotional state u another if the emotional state is the appropriate emotion comes from movere from Latin that is to say it makes you go into action So good thinking brings you an emotion that leads you to go into action when you repeat an action enough it gives rise to a habit and habits are what mark results in our life, never a concrete action or normally a concrete action does not usually give the results we want in our life so everything has its origin in thoughts that is why I said there are three steps, the first is to become aware Tell myself the truth about what situation I am in and the second step is to decide how I want to think from now on when I change my thinking.

Ultimately what I am going to change are the actions and then the habits and this is the third step to change the habits but You cannot change habits if you have not previously changed your thoughts, which is the origin of everything. Note that sometimes we want to change actions, which is great and sometimes it is more comfortable, even more useful and more operational, to change actions, but if there is no change From the root, if there is no change in the thought, the fruit does not change. In other words, if you do not change the root, the fruit of the tree does not change.

It is understood that the roots are the thoughts. Sometimes we see a fruit, we see it yellow and we say, I don't like it, I want it. blue fruits we take out the paint can and paint it And then next year comes and what color are the yellow fruits and then we get angry and say I don't understand, I'm going to take out 2 more kg of paint and you paint it blue again and You spend your whole life like this When the logical thing would be to change the roots, that is, plant new seeds, that is, have new thoughts.

So three steps, one, become aware of what moment I am in, tell myself the truth, tell yourself the truth. Look, even if you don't tell it to others, but at least At least tell yourself the truth to yourself we see the difference between telling the truth to others and telling the truth to myself at least to you tell yourself the truth Hey if you are not in the place you want to be tell yourself the truth tell yourself the truth about money and about all because the truth today we already know it has been known for many years what the truth makes us free It makes us free it is like that so eh let's go with consciousness with How to think from now on and with and with repetition And Why are we going to do all this because we want a better world?

To me, there is a phrase that a friend told me many years ago and it left a mark on me and I want to share it. It left a mark on me in a good way and I want to share it with you today. The phrase It is politically correct but not. That is why it is no longer true. And the best way to help the poor, the best way to help the world to stop being in poverty, is not to be one of those people. You understand this. That is to say, if we truly want there to be no poverty in the world, we need to live lives of abundance and lives of abundance, as you know, it is not that you go on the bike and your bills fall out like Uncle Gilito, a life of abundance is that you are at peace.

With money, the best way to ensure that there is no world of poverty is to not be a poor person, and when I talk about poverty, I am not talking about poverty of bills. I want to insist on this. I am talking about poverty of thought, poverty of actions, and poverty by So much money in the end, which is the result on a physical level of all of the above. Let's go through the seven steps. Do you have any questions? Any doubts so far? Any comments. Let's go for it. Let's go with step number one. Five critical factors.

Step number one is to become aware of the five critical factors in relation to money. There are five factors that you need to master, know and become aware of. The first of them you need to know if you want to start walking towards your Financial Independence, what is your current level of income and income? I spent expenses on the entrepreneurship master's degree and on the seminars throughout the year. Last year I calculated it yesterday or before Yesterday we had 880 students, which is quite a few, that is, it gives me time to talk to a few people throughout the year. and there is something that does not fail, there is someone who comes to you and tells you I want to be financially independent I want to advance financially I want to do better and I tell them Always take your income and expense control and fill it out for the next two or three years.

It's lazy but let's see if you're too lazy to fill out an Excel with income and expenses, that is, when you are financially free and have different sources of income and companies and assets running, they will fall because if you are not even able to write down when you buy one loaf of bread in Excel It is understandable when you are not able to keep track of your expenses. How the hell are you going to be able to run an economy in which there are several assets, several companies or several whatever you decide you will have to keep track of?

It seems to you absolutely everything that the control of income and expenses consists of writing down absolutely any income and any expenses that each of your companies has if you have them. And you as a natural person and when I say all I say all because by having control of income and expenses You tell yourself the truth and by telling yourself the truth you can make decisions. It is very complicated from my point of view. Maybe there is someone who has developed a method and I don't know it, but from my point of view and from my experience and from having accompanied hundreds of entrepreneurs, I I can say that it is very difficult for you to tell yourself the truth if you do not know your income and your expenses.

So if it seems like any normal economy, it will do it in no time. Because if in the end you buy a trout and and keep the ticket, you buy a loaf of bread and keep it. the bill you get the electricity bill and you save the bill you put everything in an envelope and once a month you take all the receipts from the envelope and you dedicate yourself to writing them down in Excel any normal economy of a family of one to four members is He does it like this in no time in one or two hours it's doneIf you are not able to dedicate one or two hours to becoming aware of your current economic situation, I definitely cannot help you to be financially independent.

This is understood yes or no, so the first thing is to keep track of your income and your expenses, become aware of Where does the money come in and where does the money go? The second thing is you need to start saving. I'm tired of saying the same thing over and over again in all these conferences in the seminars and in the plan that we give to the students of the Entrepreneurship Master's Degree. and you need to save regardless of your income level What percentage 10% I'm glad we know it You already need it I mean it's not that it's indisputable then we'll see what you do when you already have a cushion of peace of mind for one to 2 years then now We will see when you no longer need to save what we do from there and we start chatting but if you do not have a cushion of peace of mind and if you have bad debt bad debt is debt that you pay yourself good debt is debt that someone else pays everyone understands the difference Bad debt is the one that you get up in the morning and pay the debt and the interest and good debt is the one that you do not pay directly with the fruit of your work.

Everyone understands the difference if you have bad debt and if you do not have a cushion. of tranquility, meaning a cushion of tranquility as enough money in liquid form so that you can live for one to 2 years without having to work, it is money that optimally when you are going to touch it when never never optimally you are never going to touch it but you have to have it there it is like the airbag in the car or I who know the seat belt says optimally I will never use it but it is there I mean I need to have it let alone So the savings in itself It's nothing I'm not going to get into this today but Much less even with all the lowering of interest rates that there is in Europe and that looks like it is going to stay for a few years because, as you know, the more interest rates go down, the more money there is in the market And that makes inflation go up. more money in the market the value of money is lower everyone understands this every time there are more bills the residual value of each bill loses So if the residual value of each bill is lower what happens when you save is that your money Everyone knows this, experientially, your money loses over time What value So saving for itself It is nothing, in fact inflation is perhaps one of the most subtle ways of stealing from the general public that have been invented in the past.

In recent years, inflation is directly stealing value from the savings of the middle classes and this is something that one day I would like to hear on some news program aside from this, with savings alone you do nothing but without savings you cannot start playing, you understand this third investment step you need to generate assets and What is an asset is something that puts money in your pocket What is a liability something that takes money out of your pocket everyone understands this the middle class and the lower class what loves to buy economically speaking eh what loves to buy liabilities the child turns 18 he gets his driver's license And what do they give him a car, what is a good debt it doesn't have to be but it is undoubtedly a liability because you have to change the oil change the wheels park it the taxes the insurance and everything else is saying that you.

Look, if that kid, instead of turning him into a person who, as soon as he begins the economic part of life, has a debt, you would have given that same money so that he would have an asset, that is, something that would put money into his pocket every month, you look at what difference in mentality that person would start in life. Notice that even if the parents don't give him the car, most of us, the first big thing we have bought in our life has been and then a house. What are they? both things passive like a house never Better said you Look, if instead of buying a country I did it too I mean I don't have it I was 18 years old and one week I had a driver's license and a car and at 24 years old I had a huge debt with Banesto of an apartment in the center of Madrid, that is to say that I bought the complete package, as you know, I am humble and I recognize it publicly and I think that thanks to that I began to study all this to today be in another radically different situation.

But whatever it may be The important thing is that the first thing we do is buy liabilities and with that we are mortgaging our future, that is, our time because you are. Now I think about it and I say how can it be legal for a guy like me at 22 or 23 years old, I don't remember, he was very young to sign a For 35 years I was going to give money to Banesto every month, no one forced me, I am fully responsible for the decision and I am even proud because I have learned many things Thanks to that, but think about it, how someone with common sense could say that they are going to pay you within 35 years, that is, when I was 56 years old, a certain amount was mortgaging my my time, my future.

That's what it does when you take over a liability when you take over an asset. If you do it well, what you do is put money in your pocket. So My recommendation regarding this point is to buy the active ones and rent the passive ones. I always say it and I say it a little jokingly but I mean it a little seriously. I say the day I can rent my socks, rent them, what happens is that There are still no sock rental stores but I love renting everything that is an expense in my life. I like to buy things that put money in my pocket and I like to rent things that put money out of my pocket, we see the difference, there are few things, he says.

There are very few things that really put money in your pocket which shows that we need to learn more, that is, we live in a time of greater number of possibilities and opportunities to put money in our pockets. So normally And this is another thing that we recommend in the master's degree and in the seminars it is also if you don't know what to invest in. What you have to invest in training. If you have no idea what to invest that 10% investment in, take it to training, that is, keep studying and keep learning until you know what you can put into it. that money You understand this you need to learn the difference between you and a person who obtains other results is that the other knows more than you and you don't if you like the results more I mean we understand this so point number which is four you need to become aware and you need to specialize in the natural consequence of the above, which is to have passive income, you need to look at it, even if it's that I don't know, even if it's small, even if it's annual or or I don't know, but focus on saying what a small income, what a great passive income I could have.

From today on there is a passive income passive income is the one that does not depend on your work but rather depends on the money working for you. Look, I will tell you an example that has happened to me these days with a student, we were talking about this and it was that I can't find a human way to do it and I knew he had a van. I say, how many days a year do you use the van? I honestly have no idea. I say go to the calendar and look at it and he came and it turns out that in the end he used the van.

I don't know if it was 20 or 30. days a year I say you have money sleeping that could be working for you for 310 or 315 days or 20 a year in the garage the difference is that some people work to earn money and others put their money to work for them or for them we understand So if you, that van is parked in the garage. What is a liability? If I rent that van, what has it just instantly become an asset? Hey, but they might crack my upholstery, of course, when you're a businessman. You take risks. The other possibility is that you continue working for money all your life.

You choose. If you don't like it, don't do it. I'm not going to force you to buy money and maybe that's not the solution, but we have to understand that an asset It always entails a certain small ideal but a certain level of uncertainty, you understand. The only thing that gives you certainty, not forgiveness. The only thing that gave you certainty in the 20th century, in the century in which those of us here were born, what was a salary? It was the The only thing that gives you certainty is that every month you are going to win 1000 euros, rain, shine, peaks or the sun doesn't rise, it doesn't matter, you win, so that gives you certainty, but in the 21st century, certainty is very expensive, so you need to learn about passive income And lastly you need to simplify I am a fan of simplification in my life between two possible solutions Always keep the simplest between buying and renting rent between two possibilities always take the easiest one the simplest the most the one that I simplify your life.

This is understandable. If you are able to simplify all the processes in relation to your economy, sooner or later you will begin to improve in relation to your economy, so simplify everything you can. Let's take a minute to do something. Score 0. to 10 in each of these five sections say Hey I in relation to income and expenses how am I doing from one to 10 will rate you Hey me in relation to savings how am I and will rate you from one to 10 etc. like this until the last Until Hey as far as to lead a simple and simple life, how am I?

But notice that when I talk about a simple and simple life, I'm not just talking about economics, I'm making a general commitment to simplify your life. Look, last Friday we started the entrepreneurial master's degree and one of The ideas that we have asked the students is that it will greatly simplify their lives and there is an exercise that consists of emptying your closets everything you do not use empty everything you do not use in the kitchen empty everything you do not use from the trunk of the car empty all the books that you will never read again, the ones that are good, keep it empty, everything here, that is, simplify your life, empty all the subscriptions for things that you don't use, empty all the newsletters that you don't read anymore and they keep coming to you.

You understand the idea, simplify it. because when you have a simple life you spend less less money and what is more important you live happier because you are less bombarded with noise and information. So the exercise consists of first scoring in each section and second writing an action of what you could do to improve in that section a specific action don't tell me things how I'm going to read more say I'm going to read this book before Sunday at 7 pm you understand the idea a specific action What specific thing could you do in each of these five sections we are going to leave exactly 2 minutes for it, it is an individual exercise and in 2 minutes we continue working on it Well let's get to the point we said that the conference wasan How many steps today seven let's go with step number two step number two is called point four legs of your success point out the four legs of your success draw a chair as if it were a stool you put four legs on it and I'm going to draw What are the four legs of my success and what are the four legs of your success are the four talents the four gifts the four things in which you are an absolute crack is understood to move forward in life against what they have been telling us for years We do not need to focus on what we are bad at, we also need to focus especially on what we are We really know very well what the problem is that we tell a person.

Hey, tell me 10 things in which you are not competent and he puts on a happy face, he puts on a smug face, he takes out his bo, yes, like eh, And he says only 10 things that are true, yes or no, it's true. like that or not, true and you say to a person, Hey, tell me three things that you're a genius at and they say, Well, I think maybe possibly if you worked it out for me, you'd work hard enough, right. Or maybe it's something like that and we're terrified to say in that we are good Well, enough, today we are going to write What are the four legs of our success and I am going to explain to you Why it is important with a metaphor so that we never forget when we are at the top of a mountain or there is a cliff Are you capable, look, imagine that this is a cliff, would you be able, if there were an 800 m drop to be here, would you do this, yes or no, no one, no one would do it, right.

Well, unless someone has suicidal instincts, but I don't know if anyone would do it with half sense, no. you would do it right But now imagine that you reach that same precipice you are visualizing it and there is a railing it is a railing eh firmly held tightly to the ground it is there you move it like this and such then you would be able to if here is the railing do like this yes yes Well Most of us would be able to, why, because we know that there is a railing that, in case something happens, we can hold on to.

Well, our gifts and our talents are the railing that allows us to look at the areas that we have to improve in our life. The problem is that if I don't have a railing and I look into an area in which I have to improve in my life I get dizzy Why Because I think I'm going to fall because I say I have to improve my savings because I say I have to improve my skills because I say I have to, but of course each and every one of us has to improve in many things, each of us has one or more precipices, as you have already realized, yes or no, someone is thinking, my partner or my brother, Eh well, in general everyone We have cliffs to look at, the only way to look out and the only way not to fall is to have a railing and what is the railing?

Your gifts and your talents, those things in which you are undoubtedly a person who is an absolute genius and each one of us We have several. The proposal I make to you now to work on is that we have these four qualities, these four clear talents, why, because we are going to hold on to them to advance in life, it is very difficult to advance in life. When we do not have something to do.holding on is understandable This yes or no the problem is that we don't know So when we get to the precipice we don't want to go it's that we don't even want to look out no no we don't go directly but sometimes we have to look out over the precipice nothing happens if there is a railing on which we can hold on So now write down four things that you are absolutely good at that are going to be the four legs of your success or the four legs of the stool of your life that you are going to sit on achieve success go for it when you say four things You mean four characteristics, four skills, four competencies, four, yes, four skills or four competencies, whatever you say in this: I'm really good, I'm creative, or I'm perfect at making bobbin cases, perf, it could be both.

Of course, these are things. If you're very good. making bobbin lace you can probably build something around bobbin lace that will give you money that will allow you to leverage yourself to improve other things in your life or that will allow you to be a deeply happy person by being very good at doing that and that It will allow you to access other things in life. Observe that most of the people you admire for something are very good at one or two things. You have realized this and being a disaster at everything else is actually like We are all, eh.

Nothing happens, I mean, it doesn't even have anything unique, but each one of us is very good in a little bit. What makes the difference is that we know what we are good at and that we use it to leverage ourselves. Everyone understands the lever. It is a lever It is a lever It is used to move a lot with little yes or no Well, we use our gifts and our talents our abilities our competencies whatever you want, but something you say, with this I am going to leverage myself with this I am going to move a lot with little It is something that is always there that no one can doubt.

It is something that, even if someone tells you, "Hey, in this, no, you would look at him and say something even stranger. I don't know why he doesn't see it. We see it, yes or no. We need to be clear about what we are talking about." that we are good at working on four little things for it. Look, there is something that I don't know why we are confused from my point of view in our society. And it is that we think that when we shine we take away the shine from other people, it is exactly the other way around.

Only when Each one of us shines gives indirect permission to the human beings around us to also shine. If there is someone around you who is believed to shine less because you shine, the problem is with that person, you don't have it. I believe there are two. There are ways to spoil your life, one is by thinking that we are better than others and the other is by thinking that we are worse than others. Both of them spoil it for us, but if you have to stay with one, you know which one, because definitely because we don't shine enough, we won't be left with any, understand. eh but but sometimes I think we are confused with the idea that I am going to shine less so as not to embarrass my co-worker so as not to make my brother my sister my cousin my cousin My friend my friend look less it doesn't happen nothing because we shine when you shine are you giving permission to other human beings to shine or no do you feel inspired to shine when you are next to a person who is happy and who is doing what they truly came to this world to do yes or not when you don't feel inspired to shine it's when you're next to someone who isn't shining because in the end human beings tend to do what the human beings around us do if anyone wants to investigate this Look for this concept, which is mirror neurons.

You know it if you don't Google it and research it. Human beings have a tendency to do what those around us do. So if you shine, you are giving others permission to shine. So yes. you have children shine so that they shine if you have co-workers shine as much as you can so that they shine The idea is understood So let us never again be ashamed to say what we are good at if the other is willing to do the way he does it and if not nothing happens because he will end up doing it at some point sooner or later but you shine shine as much as you can I am looking forward to seeing your light because that makes us better I have become a little ecclesiastical forgive me give me these things sometimes why this strange tendency of the human being to resemble the five people with whom he surrounds himself the most says why this strange tendency of the human being to resemble the five people with whom he surrounds himself the most There are a lot of studies As you know, they talk about this thing that says that the average of your income today when we're talking about money will be the weighted average of the five people you talk to the most, so the attitude or attitudes you have will be approximately the average of the five people with whom you relate the most I don't know, there are times when I don't know how to answer the question why, but I like the question why better.

And when asked why am I going to shine, the answer is so that others can also shine, no to that. I can't answer you, I'm sorry. Well, it's beautiful, life is a great mystery. I don't know about you. I don't understand almost anything. If we're honest. Think about it. Your kidney is working now and you haven't done anything. Hala. Explain that to me. It's true that it rained today and you haven't. done nothing Hala Explain that to me come on I'll start like this I mean you get on the bike and it works and I don't know anything about mechanics but it goes and works it's brutal It's just that I don't understand anything I think that in reality publicly and internally assuming that one doesn't understand Nothing is an important step forward in life, right, because it puts you in a position of humility.

Well, the ecclesiastical Sergio is over today. I don't know why I have this nonsense and let's move on to step number three. Why do you want the money? You're not going to improve. your economic situation Unless you are clear about why you want to improve your economic situation and most of us formulate it in the negative, allow me to explain this to you, why do you want the money because I don't want to see my boss's boss again, you've messed up. You are condemning it because today we know that we materialize on the physical plane what we think about most, whether we want it or not.

So every time you express a desire in a negative way, what you are doing is strengthening what you do not want. So when they ask you why you want the money you can't say it in the negative you can't say so as not to get up early because then you will continue to get up early you can't say so as not to see my boss again because then who will you continue to see your boss and so on write 10 reasons why you want to improve your economic situation 10 things that give you the joy of living to see more I don't know who to develop this activity to contribute to this noble cause with which I feel committed and with which I believe the world should move forward for whatever you want for whatever you want let me give you a small recommendation if the 10 things are for you it won't work if the 10 things are for others it won't work either there must be a balance Of course if I I say what I want the money for, I say to buy the great car, buy the best shirt, buy the best restaurant and I don't know what.

And so it's just that I can't do well in life but if at the other end the 10 things that I put in, I put in for others to save the Arctic seals to prevent the melting of the poles to prevent the world's trees from being cut down to remove pollution hosa in the end it's like weird there has to be a balance there has to be things for you and things for others It is understood So 10 reasons why you want to improve your financial situation Well friends let's go with point number four point number four These are beliefs about money you need to be clear about what your beliefs are regarding money Why Because in Beliefs are the basis of all the results you obtain in life.

What beliefs are are the key ideas that you no longer question and that you take for granted because they have always accompanied you from time to time we would need to do as a kind of change of beliefs or at least an examination of beliefs, how to say Hey, these beliefs continue to work for me, let's see what a belief is with a metaphor so that everyone understands it well, look at the elephants when they are little and in the circuses They tie them with a string so that they do not escape, as the elephant is small and the string is strong.

Well, the elephant begins to pull and hurts its neck. Just as it hurts its neck, it generates a belief that at the time is functional. A positive belief is if I keep pulling the string, I'm going to hurt my neck and I'm going to end up dying. So the elephant establishes a belief that at the time works, that is, in fact, I believe that another thing that is important to know is that all beliefs in origin they are positive eh There is not a single belief in origin that in origin did not have its meaning and did not have its reason all of them are functional what happens that the elephant grows and continues in the circus with a string ito The Elephant Let's just go If he said, I'm going to have a beer next door and leave, he could get out and break the string and that's it, no, and he would leave and no one could stop him, but he is anchored in the belief of many years ago that if he pulls, he will leave.

It is going to continue to hurt our necks. The question I invite you to ask is: How many beliefs do we have from when we were little elephants that are no longer functional and that are hurting us and with respect to the world of money? There are many, we are not going to do it here. the exercise because to do all the complete exercise we do it in the seminar to go with abundance it is almost 2 hours but I am going to invite you I am going to give you homework for you to do at home if anyone wants to come to the seminar we will do it but if you can't do it you at home to see how we discover What are the beliefs okay the first thing we have to know is what we heard regarding the world of money when we were little what phrases were heard at home What phrases did your parents say your grandparents your uncles your guardians I don't know Who would you have grown up with?

What did your teachers say? What did your neighbors say in the neighborhood? What did you hear? What words were said? The next thing you have to do is write down what you saw regarding money, no, no, what you heard now is what you saw. What your parents did, your guardians. in your neighborhood in your primary groups in I don't know where you grew up and throughout your childhood and youth Exactly the same That is to say because that is where most of our beliefs are forged Unfortunately many of us have not yet changed the beliefs of When we were young people and the natural consequence of that is that you generate a belief like the elephant when you are little and you continue living with it all your life.

The proposal that I make to you is that you review whether those beliefs today are functional or not. What I do is for you to say, Hey, I'm already an elephant and I'm older. I'm interested in being in the circus, point one and point two. If I want to leave the circus, yes, you or break the string. I am interested in it. It is functional for my new life goals. It is functional for the human being that I am and that I deserve to be and that I deserve to become tomorrow. If it is functional, keep it.

There will be many that will be functional. By the way, but there will be some that will be a real drama for the objectives. that you have today and the person who does not review beliefs remains stuck in the past so the first thing we have said what we heard the second what and the third are specific incidents regarding money that is to say what specific things happened with respect to money world of money in your life eh sun normally each of us has several two three four five specific incidents that marked something No well my father I don't know what my mother I don't know how much my first salary happened that my first company I don't know what What happened, each of us has specific incidents that mark eh Well, the beliefs that have been generated Of course, if something very strong happens to you on your first salary in your first company, it is easy for you to generate a belief that is also logical and is also It may even continue to be functional, understand me.

But what I want is for you to do the real exercise, the exercise of awareness, the exercise of reviewing it, and for a quick version of this exercise, what I ask of you is that you write down everything that comes up in your mind. these three blocks and then write I am summarizing the entire methodology but whoever wants to can do it at home and write what those beliefs are and the last step would be to write a positive belief contrary to the negative one that you have to start I've explained myself to work on that.

If you say earn money, to earn money I need to work hard. Do you think that this is a positive or negative belief? Negative is negativs. Because if you have that belief, there will be no human way for 1 eur to reach your account. bank if you have not made the effort we understand it all reality is generated in the mind and beliefs are like the set of ideas with which we move through the world So if you have a belief that is I cannot earn money without effort or money takes a lot of effort to earn.

You are always going to earn money with effort. So the opposite positive belief would be something like, hey, I can earn money in an easy and graceful way. I don't know that everyone puts in what they want, but understand, that is, as a positive belief that counteract this explained to me yes or no this is the exercise that I invite you to do at home, a very interesting exercise that provides someImpressive results well next let's go for eh let's go for point number point number c is to have clear figures have clear figures you need to have two clear figures the first is your peace of mind mattress figure you need to have clear your peace of mind mattress figure Hey for For me, it is a cushion of peace of mind and you are going to put it in place and the following you need to have Clear your financial independence figure, that is to say, what figure is your money assets from company shares.

I don't know what you want, but what is your figure? Finish, that is, you, your figure, say, That is my goal, I have explained myself. No, if you, if you are financially independent, it is because you have a series of assets that give you what each month in passive income. This, everyone understands, there are 1 types of assets, a a flat a book that rents you royalties a vending machine on the street a company where you are not in every day the rights to an insurance portfolio or I don't know what healthcare I can think of 50,000 ways that you If you want, but you need to have assets, a series of assets that every month or every year give you a series of passive income.

What I tell you is, How much is that assets worth? How much is that money worth? Maybe it's money that you have in Cash in the bank and they give you interest whatever you want. I'm not going to get into that in this conference. But you have to be clear about what that figure is. I've explained it. Now yes or no. If you're not clear about what it is. the goal you can never reach it this seems to make sense yes or no hey I'm going on vacation and where you're going I don't know but I want to go on vacation now but when you get to the airport you'll have to know which plane you're taking you'll have to go to somewhere Well, we are in a conference on seven steps for financial independence.

What I am telling you is the first thing you need to know is what your figure is. Finish In other words, what figure are you trying to get close to and we are going to leave you a couple for that? of minutes for you to say what my figure is. The first thing I have asked of you is the and the second is the figure. Financial independence. How much are the assets that rent me worth x passive income at the end of the year, everyone understands this, yes or no, final. from the year to the end of the year yes at the end of the month but optimally at the end of the year to work well point number six you need to plan your Learning Route and What is your Learning Route is to plan What paths you are going to take to learn what you need to learn It doesn't seem suspicious to you, well, we've talked about this so many times that I'm already bored even with talking about it.

It doesn't seem suspicious to you that there is nothing about financial intelligence or health issues in most educational plans. And definitely when there is It's a residual thing, that is, we spend many years studying and nowhere do they teach us these things. Don't you think it's strange, yes or no, we spend years and years studying and no one tells us about the most important thing that we have to take care of in our lives, which is Our health seems very strange to me. So I invite you to plan your learning route to educate yourselves to learn to train regarding today's topic.

I understand that if you are here it is because you are interested in learning about financial intelligence issues. And what are you going to do if you don't know where to start? Well, act like you know, but write there what your Learning Route is. Look, I'm going to sign up for this course. I'm going to read this book. I'm going to talk to. I don't know who I'm going to hire this. advisory service I don't know what you each person will have a different case But plan your learning route say my learning route will have these steps that is to say I will learn thanks to these actions because you need to become your own Minister of Education each one of us He should always be his own Minister of Education, we should never delegate our training in the hands of anyone, understanding therefore that each one should lead his own learning process.

Logically, we always learn with other people, understand me, and we always learn thanks to the generosity of other people. They share what they know with us but I think I have explained myself, right? So you are the person who leads this learning process. So write that route, what roads it will have, What towns it will have, what stops it will have. Well, I'll do it. To make it easy, there are basically four investment families in which you can specialize. The first of them are companies, that is, the fastest and easiest way, meaning easy. It's not easy that it's going to be for tomorrow because in Spain As you know, 85 percent of entrepreneurial projects fail before how long 5 years before 5 years 85 percent of projects have failed, which means that the business death rate is very high, however, it is still the fastest and easiest way. to access to improve your economic situation.

So the first of the four families in which you can specialize is in companies, in setting up projects, in becoming an entrepreneurial person and in learning to be an entrepreneurial person. The second family of investment, let's say there are the real estate there is a third family which is financial assets everything that has to do with the stock market with futures with derivatives and all fishing and there is a fourth which is intellectual property all intellectual property assets books video courses eh I don't know everything that is It may occur to you that it has to do with knowledge So a good idea would be to say Hey In which of these families companies real estate financial assets and intellectual property everything that has to do with selling or offering or packaging knowledge then you have to say Hey inside This is what I feel like and then within each family you will have to see where you want to go further.

It is understood and begin to establish a route to learn in that sense. It can be serious, it can be several, what happens is that there is something that today in day we know And the fact is that when human beings gain focus we materialize the results sooner the day has 24 hours I don't know about you but to me the 99.9 newspaper of the days knows little to me not like night falls and you say the truth not like that Oh yes then If you notice that the night falls and it doesn't know little Imagine if instead of one project you have seven I mean at least start one have it working and when it is working you set up another one that is to say you can be a serial entrepreneur who There are some but but serial entrepreneurs at all times are focused on a single normally good project and point number s tell me commenting on the issue of failure of entrepreneurs Yes this percentage eh is more or less it has been maintained eh in recent years it has changed Now I don't know how to answer that exactly, my point of view.

But it's a point of view. I think it's gotten worse because so many people have started trying to start a business that in reality they didn't want to start a business but instead did it because They had no choice or they believed they had no choice. I think the failure was greater but it is a point of view. I do not have any data to support it. It is an impression of being on the street. I think the question is great. Look, you know what he says, hey, the intelligent person is the one who has good answers and the wise question is the one who has the wise person is the one who has good questions.

I think the good question we could ask ourselves is how can I be in the right place? 15% we see The idea is to learn to always ask ourselves questions that make us move forward and in that sense I would tell you that the majority of entrepreneurs fail because they know about their area of ​​entrepreneurship but they do not know about entrepreneurship. I have explained to you how to set up a manufacturing factory. chairs you need to know everything about chairs, upholstery, legs and wood. But you also need to be an entrepreneur, you need to have money from sales marketing, business management, leadership team management and all of this is the reason why most entrepreneurs They fail from my point of view, there are many, but one important one is because they only know about their area of ​​entrepreneurship, it seems to you that it makes sense.

Yes or no, they say, I know a lot about shirts already, but just a bunch of shirts is not enough, I know everything about graphic design. Unfortunately, he may be the greatest genius of graphic design and you can set up a company and give yourself a nasty blow. I don't know if there was a question. It seemed to me, Dale, no, what I also see sometimes is that we can't know everything, that is, and why. not to ask professionals to help you in that part that you don't know not correct That is very well thought out and in fact one of the keys today we will not try to do well in life is to surround yourself with people who are smarter than you I really love being there.

I promise you, I try to always be surrounded by the best professionals I can and the best that is within my power to surround me, but I also tell you one thing. There is a moment in which life in which you have to learn and an entrepreneur has to be a person who has an ocean of wisdom a millimeter deep. I don't have to know everything about the videos but when I talk to the person who helps us I have to be able to maintain a conversation and know a little about that and when I talk to the manager I have to understand VAT and personal income tax and when I talk to the marketing person I have to know a little about design, you understand.

That doesn't mean that I know the latest program and the latest update of the design program for but I have to have a structured mind regarding that, that is why the path of being an entrepreneur is so exciting because it forces you, if you take it seriously, to give the best version of yourself every day, it is a path exciting learning to be very convinced he says you have to be very convinced to no I'm not telling you say that I started a project 15 years ago Okay and for now we continue he says I started a project 15 years ago and we're still alive great you're 15% Congratulations but the topic Ah sorry, sorry, the topic is that initially what you are commenting on, I For example, I am in chemicals, I knew about that, I didn't know how to negotiate with commercial-related banks, eh, it's very fair to say that you have a series of C, it's important.

You think that because you know a subject perfectly technically it's going to be easy and then when it comes out Look there is something we need to know And that is that we need to learn If we want to get ahead in life and We need to know what areas Look how we are talking about entrepreneurs everything while Look, for those of you who want to be entrepreneurs but not, now I'll tell you about the seminar but let me tell you something that may interest you. There are seven areas that all successful entrepreneurs know. The first is that they know what to do.

The second is that they know. manage your time well, the third is that you know how to manage your money well, the fourth is that you manage your energy well, understanding by energy your health on the physical level, on the emotional level, and on the intellectual level, and on the spiritual level. The fifth point What all successful entrepreneurs know is that they know about marketing and sales. The sixth point is that they know about business models and the last is that they know about leadership, meaning that they know how to generate systems and how to delegate part of those systems to others.

After years of researching what successful entrepreneurs have, there are people who like football, badminton or trading cards. What I like is to see successful people establish patterns and put them in training programs and after having analyzed many cases of entrepreneurs What I have seen is that these are the seven areas that successful entrepreneurs, whether they know it or not, are the ones they know. So for those of you who want to undertake, here is a seminar as if not a good Starting point to say I'm going to become an expert in all these areas, tell me and I'll go with you there.

I don't forget. You want to develop all this, but you need to put how you can do it to cover everything. You choose one. You know that a conference always has to have a Chinese proverb. There's a long one. The walk begins with a clear first step, you have to start with something, well, look, if I had to choose, if I had to choose, if you allow me, I would start in sales and marketing and I would start in systems and leadership. Having advised many projects and businesses, I believe that the two fundamental areas are commercial and sales and systems and leadership without those two things.

You are lost but of course without business models you are also lost and if you do not know how to manage your time and your agenda well you are lost but you are a little less lost, see as long as the sales come in and as long as you have everything well organized and you lead the project you are lost but not so lost we see the idea if you can't get a little more lost there talk to us loudly please OK Deer I have to take them forward at the same time, yes, to have them, yes, to see about having them, not to take them forward at the same time.

My case is related to the issue of construction and I have four commercial companies. Is this happening to me? I don't see that I'm missing a day and I see that I don't focus and that no one looks when you analyze biographies or talk to people close to you who have been successful in the business world. If you look at it, look, for example, the one about Virgin comes to mind like that. What you tell me, the Richard Branson you know, there is read in the biography that he has recently published, it is absolutely inspiring. He started Virgin on disks and then he put Virgin on airplanes and now he has 250 260 Virgin but it doesn't start 23 Virgin at the same time he starts a Virgin and when he has one set up starts the next one we see it but he didn't say I'm going to set up an airplane and record company at the same time and then while I was on the plane I listened to the next record to see if he liked it so I could publish itFirst he did very well in the records and when he did very well in the music industry he went to the transportation industry to diversify within myself for a little bit of each thing, just one project and I don't know what I couldn't focus on one because it doesn't give you enough time to eh, of course you would have to analyze a lot there in general, that is, I can talk here about general principles then each one but in general the focus helps the projects to go ahead the less focus Look if you only had one you could Study everything about that sector, you could see what they are doing in other countries, you could dedicate yourself to advertising, advertising and marketing it, perhaps more intensively than you do now, while if you have four, well, in the end, what do you do on Mondays?

Tuesdays? In the end you notice that anyway he says teacher What is the truth he says what works for you I mean if it works for you I would be delighted but I also think it I also think it is that they are two different things entrepreneur is the person who He likes to start the project and the entrepreneur is the person who manages the project. In fact, there are entrepreneurs who are not good businessmen and businessmen who are excellent businessmen and as entrepreneurs, they still have a long way to go. There is also another added problem in Spain and that is that since it is not possible say the word businessman because they throw stones at you Well now we have finally found a kind of synonym that means that half goes for everything and then instead of businessman we say entrepreneur who is like a kind of guy in flip flops who doesn't bother anyone while how good it is a bit like that yes or no yes of course Well it is a bit like that while in reality every entrepreneur who does well sooner or later will end up becoming a businessman but it is like the figure of the businessman for a lot of historical reasons In Spain, it's like it's bad, not because it's like I know very few people who say I want to be a businesswoman.

Have you ever heard that? I want to be a doctor. I want to be a firefighter or I want to be a writer. I hear it every week. I even want to be a businessman. I, who direct a master's degree in entrepreneurship, rarely listen to it so I believe that this reason is also added, many people have a problem, the issue of the issue is a nice proo but you are not worth it, guys who are 21 years old or 25 years old get involved, well, it's just that being Entrepreneurship is a life gamble, it's like being a rocker.

You know, if you become a rocker, you have to drink whiskey to the brim, have a strong voice and sleep every night in a different truck, don't go on tour, be an entrepreneur. Well, that's your thing, you have to learn. marketing you get into trouble is that it is like a lifestyle Well we continue point number seven point number seven we are going to call this point start telling you the truth start telling you the truth we in the system of living with abundance we propose 14 exercises so that It's true, but here today we are going to do one of them, only one of the 14 okay.

And the exercise is all exercises so that you become aware of what your real situation is, what your behavior is, what your attitude is and what your results are regarding the money but today we are going to do one that I love because I have seen people cry with this but it is a delicious exercise, not in the literal sense eh In the seminar I have seen people with tears in their eyes with this exercise it is a simple exercise on the one hand you calculate how much you have earned in your net life you say Well look I in 2004 more or less eh I in 2004 I earned this more or less in 2005 roughly this in 2006 roughly mod etcetera like that all your working life So you go year per year and you put it in.

Do it quickly. It's okay so as not to get confused and you put it year by year and the figures and at the end you add it up and then in a column next to it you say how much I have kept. It's an exercise. It's a beauty. I see the amount. From looking at the body as it speaks, I see a lot of people doing this, saying no, I won't do it. Well, it's a nice exercise, one of those from the system of going with abundance, but I would love for us to do it at least in a quick way to warm up. column you put everything you have earned and in another everything you have kept to work two minutes for it super fast okay Well friends we are going to do the following and that is we are going to write down what we have learned during today's day we are going to write down three ideas and a commitment three ideas and a commitment let's go for it friends and friends all those people who want to know more we have three products let me tell you for a minute for those who want to know more three products the first the seminar living without a boss we have brought out new audiences you like it because it is prettier than the one I had good the seminar live without a boss a system of seven steps we have discussed them before so I will not insist on seven steps for those people who want to undertake we will take a tour of each of these areas and you will take templates to apply in your lives for each of these areas, that is, super coming down to earth and so that you can implement it on Monday if someone is looking for a seminar on coming to dance the conga, do three jumps and think that it is leaving to get rich on Monday you have made a mistake if someone comes wanting a seminar that gives you a work plan for the coming months literally a work plan for the coming months that gives you readings for the coming months and that gives you the way to implement all this in reality This is your seminar the price is 597 and today the offer we have for people who sign up here is 300 50 with a free guest and with a total and absolute guarantee of evolution like everything we do in the positive thinking institute for those people who may be more interested in you who have come today with the topic of financial independence we have the seminar living with abundance a seminar that mixes the spiritual laws of existence a very spiritual part that is to say what are the laws that govern in this world and the 30 ways to implement them in your daily life a system with 30 concrete actions to implement these laws in your daily life and on Sunday what we will talk about will be Financial Independence we will do the 14 exercises that I mentioned before of analysis we will establish a plan to start walking in your financial independence and you will take with you three tools: the balance, the control of income and expenses and the budget and the way to carry them out in your day to day life.

I repeat the same thing as before, it is a seminar that will give you a lot of work in the coming years and we also give you the readings and films that accompany you in that process. It is two and a half very intense days 597 with a full money-back guarantee and the people who sign up today 350 with a free guest If you liked this video, you can do three things: one, subscribe to our YouTube channel, positive thinking, one, two, share it with your family and friends on social networks, and three, visit positive thinking.org and join our mailing list to receive gifts and information. that we are sendingthinkingpositive.org