Desire is a very powerful thing. If there is something you truly want, nothing can stop you from doing whatever it takes to achieve your goal. People can try to stop you, but they don’t have a chance. They can tell you are silly or wrong, but you’ll just tune them out. You could fail many times, but you’ll just get up and try again.

Someone with unstoppable desire has an ability to achieve great things. Unfortunately, it can be so powerful that it could be a dangerous thing and cause people harm or hardship.

While having this ultimate level of passion to reach a particular goal is important, alone it is not enough. You could want to be a millionaire, but wanting to become wealthy will not always get you there. Maybe it will, but if you want to guarantee success you need the perfect formula.

One part of the equation that is missing is getting in tune with your reality.

Before you can get out of debt, increase your income, climb Mt. Everest – whatever your goal is – you first need to take a look in the mirror and look at where you are and how you got there.
Let’s say your goal is to start your own multi-million dollar business. Maybe you’ve tried that before and it failed. Rather than dismissing it as the business failing or thinking that owning a business will not make you wealthy, analyze what went wrong.
Any time something does not go as planned it is an opportunity to become stronger.

Look closely at the situation, the experience, and the results. Learn something from it.

• What went wrong?
• What could have been done better?
• What didn’t happen that you expected to?
• How would you do things differently this time?
• What didn’t you like?

A vital part of being successful is the ability to analyze your failures and use that experience to grow.

The next part is to look at your current reality, and think about what has to change to achieve your goal. If your current reality does not provide the environment or conditions to reach your goal, what needs to change?

Never simply think or say, “It can’t be done,” because it can. If you believe in “it can’t be done,” read about the story of how Motorola engineers were faced with the challenge of creating the world’s slimmest phone. Later it became recognized by the world as the Razr.

Lastly, you create your reality by taking action. It is amazing and sad how much potential is locked up inside all of us and is never realized. How many times have you caught yourself saying, “I want to do…” and never took the first step to making that happen.

Create your reality by taking the steps necessary to change your reality. Not only by taking action, but create your reality in your mind as well. If you want to become a millionaire, start thinking like a millionaire.

• How would it feel?
• What would change?
• What would you do with your time?
• How would you spend your money?
• How much money would you make on a daily basis?
• Who would you socialize with?

Start achieving your goal now by creating the reality in your mind. Do this every day. Reality is perception, and if you change the way you look at yourself, then your dreams will become realities. This is otherwise known as the law of attraction.

When you crack the millionaire code, you realize exactly just how easy it is to make money. It’s not about working harder, getting a raise, or positioning yourself for a big promotion. There is actually a way to make money without working at all – and a lot of it.

It starts with having a mindset to actually not work and to do absolutely as little as possible. Sound impossible?

Think about this. How many people do you think want to have their house painted? Probably a lot, but we’ll assume through your own research that there is a lot of business to be had in your area, so you do the following:

1. Find a reputable painter that charges $20 an hour + materials
2. Find a college student willing to build a website for you for free, which he is happy to do to add to his portfolio
3. The website advertises your fantastic painting service at $50 an hour, and has a registration form to hire you for your services
4. That order is automatically routed to notify the $20/hour painter about the job
5. The work is complete, and you are paid $50/hour, and you pay the painter his $20/hour fee

This is a simplified version of what people are doing everyday to make millions of dollars. The system is set up once, and it brings in money over and over again.

Rather then working to make money, self-made millionaires spend their time creating systems that earn money for them. In other words, when you stop spending time trying to make money and start creating systems that generate income, the amount of money you can make is endless. This is the power of leverage. In this case, using other people’s time.

There are many ways to do this: through real estate, trading currency, outsourcing, and creating online income streams.

Take the online income stream example. There are many ways to make money online, one of which is to sell affiliate products. Basically it is earning a commission for recommending people to purchase a product. Let’s say you know a bit about exercise or had some experience with a particular piece of exercise equipment.

1. You visit the company’s website and sign up for their affiliate program, which provides you with a unique link and pays you $50 for every sale you refer.
2. Anytime anyone clicks your link to visit the exercise equipment site and makes a purchase, you are credited with the commission.
3. You write an article or review about the equipment and post your article for free online.
4. Now your article is online forever, and about 5 times a day someone reads your article and visits the site. About once a month one of those visitors actually purchases the equipment and you make your commission.

Because you spent a little time building your own min-income system, you are making $50 every single month as long as the internet and that affiliate program exists.

That’s not a lot of money, but considering the whole process maybe took an hour, it makes sense to spend your time writing more articles or promoting additional affiliate products. After 2 months of spending 1 hour a day creating these income systems you now have 60 articles promoting affiliate products, and you are making about $3,000 a month whether you do anything else to promote the products or not.

In this example, you’re creating streams of income through leverage by using the Six Figure Yearly system.

Learn to develop a skill that can provide value, and you will be capable of creating income producing systems that can make you a comfortable living without working at all.

When you figure out how to create a system that makes even a small amount of money, simply repeat the process. Eventually your automated system will bring in a healthy stream of income for you.

Americans are hemorrhaging with maxed-out credit cards. This is a product of buying too much home and fancy cars or just trying to keep up with the rising cost of the daily costs of life.

But everyone (for the most part) has some debt, even if it is just student loans and the mortgage payments. How do you know when you are over your head in debt and need to cut back?

Sadly, the answer is, if you qualify as the typical American household, you do not budget appropriately and have already managed to over-extend yourself and have too much debt. According to ­­­­­­­­­­­­­­­USA Today, America has $943.5 billion in outstanding revolving debt, which is only worsening as the economy continues to create a financial squeeze.

Most people will acknowledge that they want to take control of their finances and eliminate debt, but more likely the problem will just continue to get worse. That’s because debt is a lot like the attic or storage closet that you know needs to get organized.

You are well aware that there is a problem that you can solve, and you know, and you know it’s something you have to tackle or it will just continue to get worse. But it is very easy to keep putting it off for another day. It is also easy to just keep adding a few more tiny purchases to the problem because, “it’s already a mess. This one extra little purchase won’t make it any worse.”

Unfortunately, those little extra purchases make the debt problem much worse. Just like people who get rich by taking advantage of letting their small investments compound into big accounts over time, your debt also compounds. All the little bills quickly add up, and the interest payments just get bigger and bigger.

But When Do I Have Too Much Debt?

The simple answer is, when your expenses exceed your income. At this point your personal finances are spiraling out of control and you will likely find yourself in a in a situation that is difficult to resolve on your own. This is a position that you want to avoid at all costs. If you are in a serious debt situation, you may want to consider seeking professional help.

Ideally, though, your debt should not exceed 36% of your total income before taxes. This includes your mortgage payment, which should be below 20% of you pre-tax income.

By keeping your debt to a minimum, this will allow you to build an emergency fund and contribute more to your investment accounts. This will keep you safe from being “upside down.”

If you’re prudent enough to put the extra cash away in a high-yield savings or investment account, your chances of retiring a millionaire will be in your favor.

Keep all of your expenses and debts below 36% of your income, and use the remaining funds to put towards savings or your retirement account.