1. Spend your time hanging around people who are losers.
2. Spend a lot of your time criticizing others - particularly successful, rich people.
3. Think of yourself as a cool person - ever notice how most cool
people are broke and never discover one of the many ways to become smart and rich.
4. Hang unto the belief that you can only make a living working for
the government or a corporation.
5. Believe that winning the lottery (the retirement plan with the most
bugs to be worked out) or doing something unlawful is the way to get rich quick, and
that all the other more sensible ways to become rich take way too much work, effort, and time.
6. Have a "sense of entitlement" (that normally comes with the severe socialist mentality) just like the
majority of North Americans now have (Canadians more so than Americans)
7. Discount the information in The Joy
of Not Working and believe that working hard (instead of working smart) is the way to become rich.
8. Accept the adage that you should "fake it until you make it."
9. Be stupid enough to think (as most North American think) that
the government should be doing more for you and your financial situation.
10. Spend all your money on trinkets and other useless crap that don't add anything to your well-being,
although you are easily conned into believing that they will.
11. When you have a choice between spending money on an internet marketing course or buying some
expensive cloths, make sure that you buy the expensive clothes.
12. Always believe what a company president says about the company's stock price and where it is
13. If you are a man, believe all that every woman tells you, even
that she is interested in you and you alone and that she will never
try to take your money if you live together and then separate. Just as bad, rely on lonely rich women to
take care of you in retirement.
13. If you are a woman, believe that you are economically helpless
and you must always rely on a man for you to be well-off.
14. Master the art of appearing prosperous - but
broke - and believe that your retirement plan is better than my retirement plan.
15. Become an artist, at the same time discounting everything said in the two world's best retirement
books How to
Retire Happy, Wild, and Free and The Joy of Being
Retired. At the same time discount everything in the book
Broke Because You Want to Be: How to Stop Getting By and Start Getting
World's Best Retirement Book
(Over 175,000 Copies Sold)
16. Believe that you can write a book of poetry and have it sell hundreds of thousands of copies.
17. Instead of being like rich people who focus on opportunities,
ensure that you focus on obstacles.
18. Accept the fraudulent myth propogated by crackpot financial advisors that paper losses aren't real
losses. If your stock has a value less than you paid for it, plain and simple, you have a real loss!
See Paper Profit or Paper Loss on
19. Believe that all you have to do is earn a lot of money to become
rich while forgetting that handling money is more important.
20. Disregard the words of J.P. Getty who
said, "People who don't respect money don't have
21. Be gullible enough to believe that the more you pay for an item,
the more it is worth.
22. Feel obligated to loan money to a friend whenever one
asks you for some because you believe that friendship and money go hand
23. Never base your budget on realistic assumptions.
24. Always believe the conspiracy theories such as how a group of
rich Europeans controls the wealth of the world and how they are denying you your fair share.
25. Believe that capitalism is all bad and socialism is all good. If you do believe this, keep in mind
the old Polish proverb: "Under capitalism man exploits man. Under socialism
the reverse is true."
26. Accept that wealth and power are much more likely to be the result of breeding than they are of
27. Always live beyond your means believing that your ship will come
in some day.
28. Ensure that you are at the bus depot even if your ship comes in.
29. Hang around casinos as much as possible.
30. Live by the adage that "Life is too short to balance a checkbook."
31. Squander your life energy working for a corporation while spending your money on the same crap that
most people spend their money on.
32. Live by the principle that a need is any luxury that your neighbor
happens to possess.
33. Always be too busy earning a living to make any real money.
34. Think of welfare as a career opportunity and your only source of retirement income.
35. Always overlook the fact that even a bargain costs money.