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      "body": "![pexels-photo-164474.jpeg](https://steemitimages.com/DQmUe4gqAKKsNpCXgyQ3MDqMn1wNr12Hogu8jm2WPEijUTM/pexels-photo-164474.jpeg)\n\nHey all :-)\n\nI learned from Craig Hill to observe the difference in priorities between the rich and people of lesser means in their initial paycheck spending. Throughout my life I have found his interesting observation to hold and I would love to share it with you. \n\nThe rich most often put money aside for giving, investing and saving first, before they consume. \n\nThe poor does the opposite. \n\nIf anyone out there are now thinking, “but that’s also  easy when you are rich, with my budget – that’s impossible” You are thinking the exact same that I was thinking. To address this point I would like to paraphrase a story that I will never forget from the book the richest man in Babylon*\n\nIn the ancient times, the richest man in Babylon were invited to hold a seminar on how he had made his fortune. The tent was packed with aspiring citizens from all layers of society, each eager to learn how they could become wealthy. During his speech he challenged everyone to invest 20% of  their paycheck before they consume. The crowd cried out the above mentioned counterargument. The wise wealthy man silenced the room and then asked a question, \"how many in here do not have enough money to lay even 10% aside to invest?\"\n\nEverybody raised their hand \n\nEverybody. \n\n….\n\n”When you from all layers of society doesn’t have money to invest, is the problem the size of your paycheck?”\n\nIll restate the question from the former post, \"who will be financially free first?\" \nThe one who makes and spends $10.000 /month? Or the one who makes $1.500 / month and invests $200 to generate residual income from investments that adds and complies month after month to his monthly passive cashflow? \nAs mentioned - The poor focus on how much they make, wealthy focus on how they spend.\nLets share some cool financial hacks and survival tips in the comments below so we can all decrease our consumption and raise the percentage of investments :-) \n\nOne that helped me was getting a data plan only and using communications apps that runs on the internet on my phone. \nServices like textplus* and Whatsapp are mainstream\nSignal and Telegram are encrypted\nThey all enable you to set up numbers and calling using only wifi and data. \n\nSincerely\n\nMikk N\n\n________________________________________________________________________________________________________\n*I have no affiliation with any book or services mentioned in the post the promotion is out of mere appreciation for the principles and utility.\n\n![51JfRFSFiaL._SY346_.jpg](https://steemitimages.com/DQmVXEJtYo1eVRAzVDh9PQpfer778uYcaUZeKUFdq738GUP/51JfRFSFiaL._SY346_.jpg) ![The-Richest-Man-In-Babylon-George-Clason.png](https://steemitimages.com/DQmNcDSes8UMVrucY5KJ7JkVc9k1ziDFbsHpzs4U8Msq8jU/The-Richest-Man-In-Babylon-George-Clason.png) ![175x175bb.jpg](https://steemitimages.com/DQmcc9ncr59uD4B4ZupX2Lv6ygCiJnnfPxLnBMBafq85Yx6/175x175bb.jpg) ![telegram_logo.png](https://steemitimages.com/DQmZYTNnupVs5gbocNZ2ur7rzA3eRFS7g785aBbJJ4VnceX/telegram_logo.png)",
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      "body": "Dear all \n\nThis post is intended for those that would like to make a million from scratch. \n![pexels-photo-164474.jpeg](https://steemitimages.com/DQmUe4gqAKKsNpCXgyQ3MDqMn1wNr12Hogu8jm2WPEijUTM/pexels-photo-164474.jpeg)\n\nThe credit for this reflection goes to Craig Hill whose book have helped countless people* \n![51JfRFSFiaL._SY346_.jpg](https://steemitimages.com/DQmVXEJtYo1eVRAzVDh9PQpfer778uYcaUZeKUFdq738GUP/51JfRFSFiaL._SY346_.jpg)\n\nImagine a person that makes $6,000/month and thus is able to spend that amount or perhaps even more by indebting themselves.  Then imagine another person that makes $2,000 per month and can limit his consumption to $1,800/monthly and thus invest $200 in assets (stuff that appreciates in value).  Who will be richer in 3 years if they invest well?\n\nIf you know a great type of asset class or a specific asset - please share it in the comments below :-)\n\nAll the best\n\nMikk N\n________________________________________________________________________________________________________\n*I have no affiliation with Craig Hill and the promotion is out of mere appreciation for the principles in the book.",
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      "title": "Become a millionaire | Key Insight: Wealth is a muscle",
      "body": "Dear All\n\nThis post is part of a series that will help people become millionaires  within 3 years. \nThe first insight revolves around the perspective on money management that separates the majority of people and the very wealthy.  The  wealthy considers money management a muscle, in other words: wealth is the ability to earn, rather than the content of your bank account. \nWe see the muscle metaphor in effect everyday, newly minted millionaires from the lottery who hasn't learned the habits that generates wealth are not able to retain it. This leads to them losing it all after a few years, at the same time we see people that are millionaires and loose everything that makes it back a few years later. \nThe journey begins by deciding on a rigid wealth muscle training regimen.  If you follow my posts i will over the next few months  bring you exercises and workouts that will help you out.\n\n![pexels-photo-164474.jpeg](https://steemitimages.com/DQmUe4gqAKKsNpCXgyQ3MDqMn1wNr12Hogu8jm2WPEijUTM/pexels-photo-164474.jpeg)\n\n\n\nAll the best \n\nMikk N",
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      "body": "Dear All\n\nIn this post, I will reflect on the first key insight of the book by Jocko Willink:  \"Extreme Ownership - How US. Navy seals fight and Win*\" !\n![jocko book.jpg](https://steemitimages.com/DQmRk6VJSXTgrPMLmErVn1x1Tz5QXwUhHiMzzpqGDQuaQNJ/jocko%20book.jpg)\n\nThis is the second post of three, each addressing a key question that challenges the first Insight in the book.\nJockos first insight argues that successful Leadership at the end of the day is about getting the job done. In other words, either the mission is a success or a failure. And that this is the true measurement of a leader. This was a very challenging perspective for me to accept at first due to the following questions:\n\n• What if the mission was impossible to begin with? \n• What if someone has done everything in their power?\n• What if it wasn’t the leaders fault that something went wrong?\n\nThe first question was addressed in this post: (steemit.com/leadership/@mikkn/leadership-or-key-insight-1-extreme-ownership-1-3). This post will discuss the second question\n\n• What if someone has done everything in their power?\n\nTo undertake an answer i will first look to one of the best leadership mentors in the world: John Maxwell, and his 5 levels of leadership model. ![5-levels-of-leadership1.jpg](https://steemitimages.com/DQmZn6ycg9dQzFHCL5FdG2zGmPTiokquhHhit1s1SxteWNf/5-levels-of-leadership1.jpg)\n\nIn this model, Maxwells first premise is that the foundation of leadership is competence within the respective job and trait. For the sake of the argument lets assume this premise to hold, so that we may be able to troubleshoot for more interesting problems than failure by mere incompetence. Lets explore the mindset of the leader instead.\n\nOne of the major components of the perspective Jocko presents, is that results based evaluation brings accountability for the outcome. It has been argued by researchers that the largest driver of human behavior are consequences (both good and bad, i.e promotions vs getting fired). When there are no consequences for failure or success, it will reduce the pressure and drive for action on the leader. Results based evaluation completely discounts excuses. Salespeople understand this, if the sale is not closed no pay will be granted. Entrepreneurs understand it, either the company becomes a success or it dies. When no rewards are given for attempts, the game changes.  \n\nThis leads to the next question, when has a leader truly done everything in their power? The post will adopt the premise that human growth is flexible, and as such any skillset can be improved with time and effort (The main restrictions being time, priorities and opportunity costs). This premise is both encouraging and unforgiving. Encouraging in the sense that it underlines that we can always improve which can bring hope and drive. Unforgiving in the sense that the leader has no excuses and need to troubleshoot and grow the team until success, and do so before the deadline. \n\nWith this post I hope to have contributed to the debate. A followup question to consider: Bearing in mind that the leaders job is to get the job done, Where does the boundary end for the leaders responsibility? In which cases can he honestly say there were nothing more he could have done?\n\nSincerely\nMikk N\n\n*I have zero affiliation with Jocko so the promotion is merely out of true appreciation for the book.",
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