And yet it’s almost impossible to rewrite the terms and conditions of our own lives! We live in a world where we don’t learn about the one thing that controls our lives more than anything else. Doesn’t that seem odd?
Schools don’t teach money; we discouraged from talking about it and unless you actively pursue an interest in personal finance in your adult life you might find yourself at the mercy of various financial currents and pressures, which can get very stormy. Even my mom used to tell me that it was vulgar to talk about money, despite the fact that it holds more power than any other aspect of our lives, over the decisions, freedoms and choices that we all think we have.
From the day we are born to the day we die we are told what to do, think, say and believe. We’re distracted by movies, sport, news and politics and we’re more or less kept completely in the dark about how money rules the world. Little boys dress in blue and little girls dress in pink. Suits signify success and hoodies belong to the street
We are so wrapped up in the social contract of 21st-century life that we don’t ever stop to consider the structures that bind us. This site is not about destroying, or even questioning those structures. It’s about becoming aware of them, understanding the rules of the game and creating a level playing field so that you can take control of your money, feel free to talk about it and make it work to its maximum ability.
If, like me, you sometimes feel like you’re swimming against the current, then maybe it’s time to rethink the terms of your social contract with life. Do you want to do what you told or do you want to start doing what has the maximum benefit for you?
Questioning social norms can be disturbing for many people because most people don’t like to rock the boat. The day you resign and let your colleagues know that you won’t be moving onto another role into another organisation will be the day that you also notice their incomprehension.
Your colleagues, friends and even your own family will joke that you must have won the lottery or that you are engaging in some kind of criminal activity. They will believe anything other than the fact that you made your investments work for you, or perhaps you created a side hustle that pays more than your job. Because for them to understand that is to also totally reject the social norm.
I created this site to detail my strategies for finding financial freedom as soon as possible and to show you that it is possible to live another way. For me, it started with a feeling in my mid-twenties that working in an office wasn’t for me. That feeling can be best described by Mark Twain who once wrote:
“Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. ”Mark Twain
This is my favourite quote of all time because it warns again regret and inspires you to take action. My desire for freedom gradually evolved into a determined mindset that I would seek out a different way to make a living. And I believe that to transform this into an action focussed strategy that changes your life it’s essential to have the right mindset.
Once you’ve achieved that… you can do anything.
Sounds good. How Do I Get Started?
Right here! This site has two main aims.
The first aim is to be practical and to reflect my approach to food, freedom and personal finance! As an organised, systems orientated person I work well with practical information that enables me to make a choice and take action.
To get straight to it click on one of the links below to learn more about the passive investment streams that have worked for me and that I continue to explore:
On this site I talk about my experiences and the financial products and services I use none of which should be taken as advice. You must always do your own research and make informed choices when it comes to your own personal investment choices.
A massively important aim for my blog is to talk about the way money influences our lives. I have always found it strange that personal finance, in and of itself, is not taught as a primary subject, or not at all, in the education system.
Money rules our lives in a way that no other subject does. And yet we’re supposed to graduate from school, start working immediately and conforming to a financial power structure, and all of its laws and regulations, with zero knowledge of it and zero understanding of the various ways that it could and should benefit us.
I came to realise that money is a form of control and the last thing the world’s powerful elites would want is to relinquish that control to the masses. But, via the internet, we now have the opportunity to educate ourselves and to make choices about our personal finances that provide us with the maximum benefit.
Max Your Wealth
We live in exciting times and there have never been so many varied ways to make your money work harder. But it can be difficult to know where to begin. If you need to build the foundations first for a healthier, wealthier approach to life than you might find some of the guides below useful. I’ve written these because each represents a priority that’s important to me.
I’ve been burdened by debt before in a way that led to very real impacts on my life and these Max Money Talk Guides reflect my own personal experiences in managing my money. The context of your situation may be very different and you might not share the exact same priorities but the principles, problems and solutions are universal:
The Six Principles of Wealth Creation
The options for creating wealth are varied and can accommodate businesses or entrepreneurial goals as broad as your imagination. However, the actual principles of wealth accumulation, the ways in which you can physically create, or acquire, wealth are actually pretty focussed and by understanding what they are you can begin to develop income streams across all of those principles in order to diversify your wealth and propel you along the path to financial freedom. They are:
- Inheritance: the one thing we’d all love to experience. A long-lost, benevolent Aunt leaves you a fortune in her will. No questions. Wouldn’t that be bliss? Unfortunately, we don’t all have those kinds of family connections and even if you did would you really want to be counting your fortune at the expense of someone else?
- Interest on money: this form of wealth creation seems to have disappeared from regular bank accounts all-together. However, the massive growth in the peer-to-peer lending sector has meant that small-time investors can circumvent the big banks altogether, lend to their ‘peers’ and get a substantial 10-20% return on investments in the form of interest payments accrued, making this principle a significant method of accumulating wealth.
- Salaried employment: is the number one method that the huge majority of people the world over ’employ’ to make wealth creation. This is by no means an inadequate way to create wealth, but for most of us it means walking into a building, or place of work, and remaining in one place for 8-12 hours a day; a requirement on your time that leaves little time left over to explore the things in life that inspire you. If you love your job, that’s great. Some employees earn substantial salary pay packets but they are few and far between. And when you look at the structure of an organisation and the relationship between those at the bottom and those at the top, in terms of salary, then the organisations all around us start to resemble something that’s more akin to a pyramid scheme. Questioning the structures of the corporate world does not, in any way, diminish the efforts, time and output of the millions of skilled and talented employees around the world. It’s simply a perspective that allows us to reconsider the way in which our social systems are set up.
- Real Estate Investments: is one of the oldest and most lucrative forms of wealth creation. It’s how the rich stay rich; a form of wealth that attracts considerably less tax than salaried employment and enables wealthy families to pass on their assets, via trusts, to the next generation with low to zero tax. Did you know Britain’s 600 aristocratic families have doubled their wealth in the last decade allowing their wealth to far exceed that of their Victorian ancestors at the height of the British Empire?
- Stocks and Shares: the modern stock market was born in the 17th and 18th centuries when the Dutch began experimenting in several financial innovations that brought about the existence of the modern stock market. And the stock market has made some investors unbelievably rich. As a form of wealth creation, it’s almost unparalleled. The richest stock market investor in the world is Warren Buffet, with a net worth of $67 billion, Buffet has returned, on average, 19% year on year since 1965 via his investment vehicle: Berkshire Hathaway.
- Entrepreneurialism: saving the best till last, entrepreneurialism is the biggest, largest and quickest way that entrepreneurs can create wealth. The top 2 richest individuals in the world, Jeff Bezos, owner of Amazon and Bill Gates, owner of Microsoft, are both entrepreneurs. Why? The reason is very simple: entrepreneurs bring people and solutions together. They create products and services that improve all of our lives. They propel us along on the rocket-ship of human progress and their innovations change our lives. It’s almost difficult to remember the world before Mircosoft, Apple, Google and Facebook. I can, but only just! And that’s the reason why this site is devoted to the means and methods entrepreneurs and investors employ. There’s absolutely nothing wrong with working for a paycheck each month, but if like me you’d rather work for yourself than taking the entrepreneurial approach and making sensible investments could provide you with a huge pay-off that guarantees your own financial freedom.
I now focus most of my time and energy on this goal, thanks to a few investment choices that did pay off. Always remember “you will fail many times, but you only need to win once”and approach things from an experimental perspective, constantly trying new ideas to see what works.
If you’re starting your journey towards financial freedom I hope you find some of the content on this site useful. I have no special expertise or insight, just a determination to live life in a different way.
With a little bit of hard work and the right mindset, you will get where you need to be. It doesn’t matter what your background is or how much, or how little, money you have. There are opportunities everywhere when you know how to look for them.
One thing I can categorically assure you of is that it really is 100% mind over matter. Once you’ve made the decision to seek out your own financial freedom you’ve won half the battle – if you need a little more encouragment about how to help focus your ideas then check out my post:
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