0:00:02 > 0:00:04How many of you would like to have total wealth in your lives?
0:00:04 > 0:00:07CHEERING Oh, come on.
0:00:07 > 0:00:10How many of you would like to have total wealth in your lives? Thank you.
0:00:10 > 0:00:14How many of you would like to have a lot more money in your lives?
0:00:14 > 0:00:18- CHEERING - And how many would like to have a lot more happiness in your lives?
0:00:18 > 0:00:21- And how many would like a lot more of both in your lives? - CHEERING
0:00:21 > 0:00:28Turn to someone, give him a high five and say, "You master your mind!"
0:00:28 > 0:00:32There is enough money in the world to make everybody a millionaire.
0:00:32 > 0:00:37I mean, they are trillions of dollars or pounds floating across the ether day in, day out
0:00:37 > 0:00:40and everybody can have a share of that.
0:00:42 > 0:00:44The question is, do they want it?
0:00:44 > 0:00:49# I wanna be a billionaire so freakin' bad
0:00:49 > 0:00:53# Buy our love the things I never had
0:00:55 > 0:01:00# I want to be on the cover of Forbes magazine
0:01:00 > 0:01:03# Smiling next to Oprah and the Queen
0:01:05 > 0:01:12# I Want to be a billionaire so freakin' bad. #
0:01:16 > 0:01:20All over the country, in Britain's hotels and conference centres,
0:01:20 > 0:01:23something extraordinary is happening.
0:01:23 > 0:01:27Whilst the majority of people worry about the state of the economy,
0:01:27 > 0:01:30thousands of others are flocking to wealth seminars,
0:01:30 > 0:01:36convinced they'll discover the key to getting extremely rich.
0:01:37 > 0:01:40Wealth gurus from America are spreading the word that
0:01:40 > 0:01:44we can all make large amounts of money and need never work again.
0:01:46 > 0:01:49The definition of financial freedom that we use is this:
0:01:49 > 0:01:55the ability, again, the ability to live the lifestyle you desire
0:01:55 > 0:02:01without having to work or rely on anyone else for money.
0:02:07 > 0:02:12Janice is 38 years old and lives on her own in Ilford in Essex.
0:02:15 > 0:02:19Her patents came to Britain from Jamaica and worked as cleaners
0:02:19 > 0:02:21to raise their seven children.
0:02:21 > 0:02:24Why have you got posters everywhere?
0:02:24 > 0:02:27I like to just come and read and think, just to reinforce in my mind.
0:02:27 > 0:02:29This one says I'm healthy and wealthy.
0:02:29 > 0:02:31This one says I'm a millionairess.
0:02:31 > 0:02:35Also saying thank you, to show I have gratitude.
0:02:35 > 0:02:39- Who are you thanking? - The universe.- The universe.
0:02:39 > 0:02:42Can you explain what your job is, Janice?
0:02:42 > 0:02:47My current job's a nursery nurse. And I work with children.
0:02:47 > 0:02:50I love my job and this is why I'm very blessed.
0:02:50 > 0:02:55At what point did you get interested in wealth and becoming wealthy?
0:02:55 > 0:02:58As a child I've always loved, I don't know if you had Monopoly?
0:02:58 > 0:03:00And I used to play that game.
0:03:00 > 0:03:04From then I thought, you know what, this has got to be the path.
0:03:08 > 0:03:11But you love your job, Janice. If you were financially free, you'd wake up
0:03:11 > 0:03:14and you'd have nowhere to go - would that be good?
0:03:14 > 0:03:16It would be good because you'd have a choice.
0:03:16 > 0:03:20So I could do that if I wanted to rather than like now, I don't have a choice.
0:03:20 > 0:03:24Turn to somebody, give them a high five and say, "You're going to be rich."
0:03:29 > 0:03:32I'm the greatest money manager in the world.
0:03:32 > 0:03:35I have the ability required to be successful.
0:03:35 > 0:03:37I have a likeable personality
0:03:37 > 0:03:41and most importantly, I'm a beautiful young woman.
0:03:41 > 0:03:43And the idea is that that's all true
0:03:43 > 0:03:46- or that by saying it, it will become true?- Both.
0:03:49 > 0:03:52Sarah and Rhys are still teenagers.
0:03:52 > 0:03:56But they too have already got the wealth bug.
0:03:56 > 0:03:58- Sarah, how old are you?- I'm 18.
0:03:58 > 0:04:00- And Rhys, how old are you? - I'm 18 as well.
0:04:00 > 0:04:03- And how long have you two been going out?- Two years now.
0:04:03 > 0:04:08- Yeah, two year anniversary. - Yeah.- And where did you meet?
0:04:08 > 0:04:11At school. In geography.
0:04:13 > 0:04:18- Are you both still at school?- Yeah. - Yeah.- I'm in college, sixth form.
0:04:18 > 0:04:21And I'm at just a college.
0:04:21 > 0:04:23My parents expect me to go to university.
0:04:23 > 0:04:28They do say, you have to work hard, get a good steady, secure job.
0:04:28 > 0:04:31And then work and then retire.
0:04:31 > 0:04:35That's how I've sort of been raised, to get a good education
0:04:35 > 0:04:38and then get a good job and then work for my life.
0:04:39 > 0:04:43I find the whole idea of having a job is quite ridiculous.
0:04:43 > 0:04:47That you have to depend on someone. You have to keep your nose down
0:04:47 > 0:04:50and try to please them and they pay you a pittance.
0:04:50 > 0:04:53You know, that's not what you're worth. Yeah.
0:04:53 > 0:04:56So it's appealing to you to be able to be more self-reliant?
0:04:56 > 0:05:00Yeah, basically. And unlimited income appeals to me.
0:05:02 > 0:05:04To achieve their financial goals,
0:05:04 > 0:05:10wealth gurus encourage people to attend intensive weekend seminars.
0:05:11 > 0:05:15The first one I went to was UPW. Which is unleash the power within.
0:05:15 > 0:05:22- And how much did it cost? - It cost £600 and then after that they mentioned wealth mastery.
0:05:22 > 0:05:27And I thought, that sounds good. They send you a video, you see all this, the lifestyle you want to live.
0:05:27 > 0:05:32Could you be living this lifestyle? And I thought, you know what, this is great.
0:05:35 > 0:05:39- What was on the video?- On the video it had, like, couples in love.
0:05:39 > 0:05:43Wealth, holidays, opulence. It was there. You name it, it was there.
0:05:45 > 0:05:49- I decided I would go for that. - And how much was that one?
0:05:49 > 0:05:51That one, about £900, I think it was.
0:05:52 > 0:05:57- Then what was the next course you went on?- Bob Proctor seminar.
0:05:57 > 0:06:01Which was called The Science of Growing Rich.
0:06:01 > 0:06:04- Did you have to pay for that one? - No, that one was complimentary.
0:06:04 > 0:06:06They did have a VIP section, you could upgrade
0:06:06 > 0:06:11and of course, Janice upgraded. But that cost £400. That wasn't bad.
0:06:13 > 0:06:16And then in the September of the same year, that was 2009,
0:06:16 > 0:06:22- I went on a stocks course. It's called Stock Market Beginners Course. - And how much was that course?
0:06:22 > 0:06:27- That course cost £2,000.- And how did you pay for that, Janice?
0:06:27 > 0:06:33How did I pay for it? Well, what I done, it's a bit naughty, I know, but I put it on my credit card.
0:06:35 > 0:06:39Janice plans to make her fortune by trading in stocks and shares.
0:06:39 > 0:06:45According to the plan, I'll be a millionaire within 10 years' time.
0:06:45 > 0:06:50- You know how much money you've made? - I've made nearly £2,000.
0:06:50 > 0:06:54And how much do you owe on your credit card, for all the courses that you've been on?
0:06:54 > 0:06:55£4,000.
0:06:58 > 0:07:02- But in your heart, do you feel you're making money?- Absolutely.
0:07:02 > 0:07:05And the knowledge I have now, I know I'm going to be financially free.
0:07:05 > 0:07:09It's not even a guessing game or if, but, maybe. It's going to happen.
0:07:13 > 0:07:19The simple objective of the money game is, write this down,
0:07:19 > 0:07:20to earn enough -
0:07:20 > 0:07:27what kind of income? Passive income - to pay for the lifestyle you desire.
0:07:27 > 0:07:29One more time.
0:07:29 > 0:07:36To earn enough passive income to pay for the lifestyle you desire.
0:07:37 > 0:07:41# If I was a rich girl, na, na, na, na, na, na, na na. #
0:07:42 > 0:07:47In the world of wealth creation, Maria epitomises success.
0:07:48 > 0:07:53This is the dining hall. As you come in.
0:07:53 > 0:07:59The effect I wanted to create here was of an old mediaeval church,
0:07:59 > 0:08:02hence the colours and the chandeliers.
0:08:02 > 0:08:07We've got Chinese slate floor here and it's got underfloor heating.
0:08:07 > 0:08:11Gives a nice warm feel if you're dining in bare feet.
0:08:13 > 0:08:17Maria left school at 15 and went on to achieve the luxury lifestyle
0:08:17 > 0:08:21that would-be millionaires aspire to.
0:08:22 > 0:08:26This is the start of the master bedroom suite.
0:08:26 > 0:08:30So you've got this sort of little anteroom which is quite nice.
0:08:30 > 0:08:32What is your job?
0:08:34 > 0:08:35It'is a difficult one...
0:08:35 > 0:08:42for somebody who doesn't have a job. My job is just being me, really.
0:08:42 > 0:08:47One thing we did also have was opened up this balcony here
0:08:47 > 0:08:50and it creates a really nice space for having your croissants
0:08:50 > 0:08:54in the morning or your cocktails in the evening.
0:08:56 > 0:08:59And would you say your background was working class, Maria?
0:08:59 > 0:09:01Very much so, yes.
0:09:02 > 0:09:06First job was working part-time in Mothercare.
0:09:06 > 0:09:09And then I took a step up
0:09:09 > 0:09:15and went, worked full-time as an usherette in the Odeon Cinema.
0:09:15 > 0:09:19I went into offices and became a PA and realised that actually
0:09:19 > 0:09:24I was fairly naturally organised and intelligent and had
0:09:24 > 0:09:31a bit of nous so I didn't necessarily need O-levels and A-levels to prove it.
0:09:33 > 0:09:37Maria began investing in rental property,
0:09:37 > 0:09:40generating sufficient income that 11 years ago,
0:09:40 > 0:09:43at the age of 39, she was able to give up work.
0:09:44 > 0:09:47I have properties that I've never seen.
0:09:47 > 0:09:50I've got properties throughout the country.
0:09:50 > 0:09:53I've also got properties throughout the world.
0:09:53 > 0:09:57I'm always out having lunches and dinners and got friends round
0:09:57 > 0:09:58and it's great.
0:09:58 > 0:10:02You know, life is just one big party, really, in many respects.
0:10:02 > 0:10:03I have to say.
0:10:05 > 0:10:08Do you have activities that you do in your free time?
0:10:08 > 0:10:11Because some people wish they could give up their job
0:10:11 > 0:10:16because they want to cycle from Land's End to John o'Groats or want to walk the Pennine Way.
0:10:16 > 0:10:19It's not that you have another passion altogether,
0:10:19 > 0:10:23that you're trying to clear your day so you can do something else.
0:10:23 > 0:10:26No, not really. It's just that I want to spend my day doing what I choose to do
0:10:26 > 0:10:29rather than what I have to do, to bring the money in
0:10:29 > 0:10:32and it is very much choices right now.
0:10:32 > 0:10:36If I choose to stay in bed all day reading a book
0:10:36 > 0:10:39because I feel like it, then I can.
0:10:39 > 0:10:42- Do you?- I have done on occasion.
0:10:42 > 0:10:44Not very often but I have done.
0:10:44 > 0:10:47# Na-na-na-na-na-na
0:10:47 > 0:10:50# Na-na-na-na-na-na
0:10:50 > 0:10:53# Na-na-na-na-na... #
0:10:53 > 0:10:56Maria achieved this level of wealth using a method
0:10:56 > 0:11:00she learned from a now-legendary book called Rich Dad, Poor Dad
0:11:00 > 0:11:02by Robert Kiyosaki.
0:11:04 > 0:11:09I think everyone and his dog and his cat should read Rich Dad, Poor Dad.
0:11:09 > 0:11:12When people read that, they see the whole thing about putting money
0:11:12 > 0:11:18into income-producing assets so that throws off the money
0:11:18 > 0:11:20so you don't have to work for a living.
0:11:20 > 0:11:27And it shows you how the rich think differently to most people.
0:11:29 > 0:11:33I read Rich Dad, Poor Dad by Robert Kiyosaki when I was 12.
0:11:33 > 0:11:37And I read it again when I was 16 and I want to know more
0:11:37 > 0:11:42and I bought the books. Now you can see, there's a whole shelf of books.
0:11:42 > 0:11:45And I just read and read, so between 16 and 18
0:11:45 > 0:11:48that's when you can say I did my research.
0:11:48 > 0:11:52How did you get into all this wealth creation stuff, Rhys?
0:11:52 > 0:11:57- Sarah was telling me about the books because she'd found them so helpful. - Yes.
0:11:57 > 0:12:01She gave me a big bag of them and she said, "Read them."
0:12:01 > 0:12:06She highlighted stuff. She even told me with some of the books it gets a little bit repetitive.
0:12:06 > 0:12:11"Just go through them, read the stuff that I've highlighted and the pages I've folded over."
0:12:11 > 0:12:14- Yes...- So I did that.- So I thought, I'll help him. You know.
0:12:14 > 0:12:18- That's what really started it. - So You're fully on board now, Rhys?
0:12:18 > 0:12:21- You're doing this now because YOU want to do it?- I definitely want to do it now.
0:12:23 > 0:12:28Although Rhys is clear in his own mind that he now wants
0:12:28 > 0:12:31to devote himself to wealth creation, he hasn't yet plucked up the courage
0:12:31 > 0:12:35to tell his mum and dad what he's up to.
0:12:35 > 0:12:39Tell me a bit more, Rhys, about what your parents about this.
0:12:39 > 0:12:42I've never really had a conversation with them about it.
0:12:44 > 0:12:46They were getting a bit suspicious
0:12:46 > 0:12:50because I went away for a whole weekend and I never really said where I went.
0:12:50 > 0:12:52I get the impression they don't like it
0:12:52 > 0:12:56because they do call it "get rich quick, wheeler dealer schemes".
0:12:56 > 0:12:59You haven't actually sat down and said "This is my plan,
0:12:59 > 0:13:03"this is what I'm doing, this is why I am doing it"?
0:13:03 > 0:13:07No. That day is getting closer. I'm not looking forward to it that much.
0:13:07 > 0:13:12# Pounds, dollar, millionaire. P... P... dollar...
0:13:12 > 0:13:14# Millionaire
0:13:17 > 0:13:19# Millionaire...#
0:13:19 > 0:13:22Can you tell me what your job is?
0:13:22 > 0:13:25I actually don't really have jobs now.
0:13:26 > 0:13:28We're consultants for an organisation
0:13:28 > 0:13:31which teach people how to invest in property.
0:13:32 > 0:13:37Until recently, David and Shirley both worked in the public sector.
0:13:39 > 0:13:41Shirley was a nurse and a health visitor.
0:13:41 > 0:13:46David was an associate Dean of engineering at the University of Wales.
0:13:48 > 0:13:51Five years ago, when they were in their late 40s,
0:13:51 > 0:13:55they gave up their jobs to teach the Kiyosaki method
0:13:55 > 0:14:00and became wealthy and successful property investors.
0:14:00 > 0:14:03How much is your property portfolio worth?
0:14:03 > 0:14:07It's probably round about between four and four and a half million.
0:14:07 > 0:14:11I think it depends upon who's valuing it at and at what time.
0:14:11 > 0:14:16My guess is at the moment it would be between those two figures.
0:14:16 > 0:14:18And how money properties is that?
0:14:18 > 0:14:22I think we've got about 27 properties altogether.
0:14:22 > 0:14:24- About?- 29.
0:14:24 > 0:14:26THEY LAUGH
0:14:29 > 0:14:31- That's another good one.- Way! - Yay-hey!
0:14:31 > 0:14:35What's your passive income from rental?
0:14:35 > 0:14:38About 36 to 40,000 a year, purely from the property.
0:14:38 > 0:14:42And then on top of that you earn money from teaching other people
0:14:42 > 0:14:44how to invest in property.
0:14:44 > 0:14:47Do you earn the same amount again doing that or more?
0:14:47 > 0:14:50Between us we earn a lot more than that.
0:14:50 > 0:14:51I think our income,
0:14:51 > 0:14:56I'm trying to rapidly work out what that is in my head, but it would be...
0:14:56 > 0:15:01..It's probably round about 60,000 for me and 40,000 for Shirley.
0:15:01 > 0:15:06- So you're up to about £140,000 gross a year.- Yes.- Mmm.
0:15:07 > 0:15:12And that well exceeds what we earned in our ordinary lives and jobs.
0:15:12 > 0:15:14It well exceeds.
0:15:14 > 0:15:17And here's a big one! Way!
0:15:17 > 0:15:22David and Shirley now have much more free time to spend with their grandchildren.
0:15:22 > 0:15:27And they also make a point of keeping up to date with their wealth studies.
0:15:28 > 0:15:32What's your bedside reading at the moment, both of you, specifically?
0:15:32 > 0:15:35I've got one called The Way Forward.
0:15:35 > 0:15:41And I'm two books ahead of David, there's a series of eight books on there.
0:15:41 > 0:15:45- Are they all called The Way Forward? - Yes. They've got different...
0:15:45 > 0:15:48What volume of The Way Forward are you reading?
0:15:48 > 0:15:50- I'm on volume six. - And I'm on four.
0:15:50 > 0:15:53So you know the way forward more than David?
0:15:53 > 0:15:55And what is the way forward?
0:15:55 > 0:15:59It's up to you what you make of your life.
0:15:59 > 0:16:01If you're happy with your life
0:16:01 > 0:16:05and quite content with where you are, there's nothing wrong with that.
0:16:05 > 0:16:10Don't let anybody who thinks that everybody should be moving forward tell you otherwise.
0:16:10 > 0:16:12Because if everybody wanted to do what we do,
0:16:12 > 0:16:15the world would be very unbalanced.
0:16:15 > 0:16:19And we need the people who don't want to go out to work
0:16:19 > 0:16:21and want to just live and be DSS tenants,
0:16:21 > 0:16:25because otherwise we wouldn't have those tenants in our properties.
0:16:25 > 0:16:29# Oh, every time I close my eyes
0:16:29 > 0:16:31# What do you see, what do you see?
0:16:31 > 0:16:34# I see my name in shining lights
0:16:34 > 0:16:36# Uh-huh, uh-huh, and what else?
0:16:36 > 0:16:40# Yeah, a different city every night
0:16:40 > 0:16:45# I swear, the world better prepare
0:16:45 > 0:16:48# For when I'm a billionaire...
0:16:48 > 0:16:49# Yeah! Oh, oh...
0:16:54 > 0:16:56I wake up at 5:45.
0:16:56 > 0:16:58And what time do you go into work, do you leave?
0:16:58 > 0:17:01I leave the house at seven o'clock.
0:17:01 > 0:17:05- What do you do for that hour and a quarter? - I do my wealth conditioning.
0:17:05 > 0:17:09I'm an excellent money manager, I'm an excellent money manager,
0:17:09 > 0:17:12I'm an excellent money manager. I have a millionaire mind.
0:17:12 > 0:17:15I am a millionaire.
0:17:15 > 0:17:17I am a millionaire.
0:17:17 > 0:17:20I am a millionaire.
0:17:20 > 0:17:24And I rub my earlobes. I am financially free.
0:17:24 > 0:17:26I am financially free.
0:17:26 > 0:17:31- When you've done all of that, Janice, is there time for breakfast? - Oh, yes.
0:17:31 > 0:17:36- What do you normally have for breakfast? - Breakfast is usually cereal.
0:17:36 > 0:17:39- What cereal do you like? - Rice Crispies.
0:17:40 > 0:17:44My goal is to have £300 in passive income.
0:17:44 > 0:17:47- A month?- A month.- A month.- OK.
0:17:47 > 0:17:51So you're trying to get £300 a month coming in each, by when?
0:17:51 > 0:17:55- By September, October. - September or October. October for me.
0:17:55 > 0:18:02- And the next target would be, 1,500 each?- 1,500 each.- Yes.
0:18:02 > 0:18:06- When are you aiming to achieve that? - In two years.- In two years, yes.
0:18:06 > 0:18:10- Do you want to be millionaires? - Yes.- When's that going to happen?
0:18:10 > 0:18:13- I would like to think... - Before we're 30. - Before we're 30.- Yes.
0:18:16 > 0:18:19- What offer do you want to make? - Offer...
0:18:19 > 0:18:23- Come on, be bold, what offer do you want to make?- I think we should come at 260.- 260.- OK.
0:18:23 > 0:18:27Sarah and Rhys have already managed to make £500,
0:18:27 > 0:18:31putting into practice some of their newly-acquired wealth skills.
0:18:31 > 0:18:35However, they're currently £2,000 in debt.
0:18:35 > 0:18:39Money they've spent on seminars and courses
0:18:39 > 0:18:45and on a £1,500 mentorship, offered to them by two wealth trainers.
0:18:45 > 0:18:47Your objective is to research the market,
0:18:47 > 0:18:51identify exactly the right properties for those investors,
0:18:51 > 0:18:55then you will pass the investor through to the estate agent. Does that make sense?
0:18:57 > 0:19:02We're property investors, entrepreneurs and coaches and mentors.
0:19:02 > 0:19:07- So we both invest in property, we have done for almost a decade now. - Yes.- Together.
0:19:07 > 0:19:12- Tell me how many properties you have.- Currently we have around 100 properties.
0:19:12 > 0:19:14Do your properties generate enough revenue
0:19:14 > 0:19:17that you don't have to work if you don't want to?
0:19:17 > 0:19:22- Absolutely right, yes.- You're both financially free?- Correct.- We are.
0:19:22 > 0:19:25What were you both doing for a living before you got into property?
0:19:25 > 0:19:28I was running a restaurant.
0:19:28 > 0:19:33Because of my family background, I used to run an Indian restaurant.
0:19:33 > 0:19:35And I was a consultant civil engineer.
0:19:36 > 0:19:40Rohan and Raj have come to South London for the day,
0:19:40 > 0:19:42to coach Sarah and Rhys
0:19:42 > 0:19:45in how to get started in the property business.
0:19:47 > 0:19:49- Hey.- Hi there.- Hi.
0:19:49 > 0:19:51Rhys and this is my partner, Sarah.
0:19:51 > 0:19:56- Nice to meet you. Hello. - These are our business partners and mentors.
0:19:56 > 0:20:00- Nice to meet you. I'm Rohan. - I'm Raj.- Hi there, Raj.
0:20:00 > 0:20:04- We'd just like to have a bit of a chat. - OK, do you want to take a seat?
0:20:04 > 0:20:09- We're looking to buy quite a lot of properties in this area. - OK.
0:20:09 > 0:20:13We're working with professional investors
0:20:13 > 0:20:16- that we work with, a joint venture.- OK.
0:20:16 > 0:20:18- We find properties for them.- Yes.
0:20:18 > 0:20:21- These are cash-rich investors who don't have a lot of time. - OK.
0:20:21 > 0:20:25And we're just trying to get an understanding of the area.
0:20:28 > 0:20:30There's not a very big garden.
0:20:30 > 0:20:35No, it's a small garden but it would be great for tenants if they want to have a barbecue,
0:20:35 > 0:20:38- or, you know, hang out. - Was it a bit neglected before?
0:20:38 > 0:20:41Sometimes gardens are underused.
0:20:41 > 0:20:44You've got the garage over there that comes with the property
0:20:44 > 0:20:46which as you can see would need some work doing,
0:20:46 > 0:20:50or could be rented out separately to increas your income slightly more.
0:20:50 > 0:20:52Right. So...
0:20:52 > 0:20:55What sort of income do you reckon you could get?
0:20:55 > 0:21:00- You normally get between 50 and £60 a month on the garage. - OK. That's interesting.
0:21:01 > 0:21:04You know what impressed me about the both of you?
0:21:04 > 0:21:06- You quickly developed rapport.- Yes.
0:21:06 > 0:21:11You took time to talk not just about the property, I heard you asking a question about a daughter.
0:21:11 > 0:21:15Little things like that make a difference. One thing for you I think was great,
0:21:15 > 0:21:20you asked some great questions. Do what you just did there, smile. A little bit more smiling.
0:21:20 > 0:21:24I know what it's like, you're asking questions, have I asked the right question?
0:21:24 > 0:21:26Just that tiny warm smile,
0:21:26 > 0:21:29- just makes a little bit more difference.- Yes.
0:22:06 > 0:22:09- Have you ever heard Robert Kiyosaki speak before?- No.
0:22:09 > 0:22:13- I have never heard him before. This will be the first time. - Are you excited?
0:22:13 > 0:22:16Yes, very much so. Looking forward to it.
0:22:16 > 0:22:18You're here for all three days?
0:22:20 > 0:22:22- Are you excited?- Yes.- Very excited.
0:22:22 > 0:22:27I have been wanting to see him since I read that book.
0:22:27 > 0:22:30Can you tell me what is in your carrier bag?
0:22:30 > 0:22:31It is food for the weekend.
0:22:31 > 0:22:34Cos apparently food there is quite expensive.
0:22:34 > 0:22:41- I have got some rolls and apples and chewing gum.- Some jumbo peanuts. For energy.
0:22:44 > 0:22:48- Janice, what are you doing here? - I have been setting up for the event.
0:22:48 > 0:22:52- I have been helping to organise everything for today. - How come you're doing that?
0:22:52 > 0:22:57- Why are you not at work? - I decided to volunteer myself today.
0:22:57 > 0:23:00I have got the day off work and I'll be here all weekend.
0:23:00 > 0:23:03And have you ever heard Robert Kiyosaki before?
0:23:03 > 0:23:07I have never heard him live before but I have read his books.
0:23:07 > 0:23:10- And are you excited about hearing him?- I can't wait.
0:23:10 > 0:23:14And what would you say to him if you met him?
0:23:14 > 0:23:17If I met him I would say to him that he has inspired so many people
0:23:17 > 0:23:20and I would like to thank him, really, for what he has done for us.
0:23:20 > 0:23:25- Do you think you might meet your future husband here?- Possibly!
0:23:25 > 0:23:31- That would be nice!- Have you spotted any fit men yet?- A few.
0:23:31 > 0:23:33But I have to stay focused!
0:23:35 > 0:23:38Robert Kiyosaki, when I was right down in the dumps,
0:23:38 > 0:23:42was one of the major books that I read, Rich Dad Poor Dad,
0:23:42 > 0:23:46and I just could not believe it. It is so obvious, when you read it!
0:23:46 > 0:23:50I read it and it was one of the major influences on my life.
0:23:50 > 0:23:53I read the book Rich Dad Poor Dad by Robert Kiyosaki
0:23:53 > 0:23:57and it changed the way I thought about my financial freedom
0:23:57 > 0:24:00and what I'm going to do after I finish university.
0:24:00 > 0:24:02- So you are at university at the moment?- Yes I am.
0:24:02 > 0:24:06- What are you studying? - English literature.- And when did you read the book?
0:24:06 > 0:24:09It was at the end of last year that I read it.
0:24:09 > 0:24:13- And is your goal to be financially free?- Oh yes. Oh yes.
0:24:13 > 0:24:15And to be a millionaire.
0:24:15 > 0:24:19- And how long are you giving yourself to achieve that?- Three years.
0:24:19 > 0:24:21'Ladies and gentlemen,'
0:24:21 > 0:24:23all the way from Phoenix, Arizona,
0:24:23 > 0:24:27please stand up and put your hands together for Mr Robert Kiyosaki!
0:24:27 > 0:24:30DRAMATIC MUSIC
0:24:42 > 0:24:45Wow.
0:24:45 > 0:24:48Wow.
0:24:49 > 0:24:52Wow.
0:24:54 > 0:24:56Wow.
0:25:00 > 0:25:05Thank you, thank you, thank you, thank you. Thank you.
0:25:05 > 0:25:09We are honoured, thank you. Thank you. Thank you.
0:25:09 > 0:25:13Please take your seats, thank you. Thank you.
0:25:13 > 0:25:17How many people have read Rich Dad Poor Dad? Wow.
0:25:17 > 0:25:21Most of you. Has anybody not read the book?
0:25:21 > 0:25:24Oh, thank God, there are a few more customers out there.
0:25:26 > 0:25:33What you are going to learn today is that it's very, very, very,
0:25:33 > 0:25:35very simple.
0:25:35 > 0:25:38But you have to have the right financial education.
0:25:38 > 0:25:40We are going back to feudal times.
0:25:40 > 0:25:44When you had the rich and you had the peasants.
0:25:44 > 0:25:49So, one of the reasons I created the Rich Dad company was very simply
0:25:49 > 0:25:53because I could see this crisis coming.
0:25:53 > 0:25:57Now, the good news is, I have never made so much money!
0:25:58 > 0:26:02As you guys know, you can make money going up,
0:26:02 > 0:26:04and make more money coming down.
0:26:18 > 0:26:23Robert and Kim Kiyosaki live in Phoenix in Arizona,
0:26:23 > 0:26:26where they have based the headquarters of their Rich Dad company.
0:26:32 > 0:26:35I am the Rich Dad company. Welcome to my world.
0:26:35 > 0:26:40A world of possibilities, a world of learning. I am the Rich Dad company
0:26:40 > 0:26:45and my mission on this earth is to elevate the financial well-being of humanity.
0:26:50 > 0:26:55- Robert, how old are you?- I'm 63. - And Kim, are we allowed to ask how old you are?
0:26:55 > 0:26:56Yes, I'm 53.
0:26:56 > 0:27:02- How did you two meet? - It was in a bar in Honolulu.
0:27:04 > 0:27:06It was TGI Friday's.
0:27:06 > 0:27:09I was happily single and she was happily single
0:27:09 > 0:27:13and I saw this great pair of legs and I went, "Holy moly".
0:27:13 > 0:27:15It was lust at first sight.
0:27:15 > 0:27:19But then she wouldn't go out with me for about six months.
0:27:19 > 0:27:22And I just kept asking and kept asking and kept asking and finally
0:27:22 > 0:27:26one night she said yes. And we have been together ever since.
0:27:27 > 0:27:29We are a good team.
0:27:29 > 0:27:31I know she didn't marry me for my money
0:27:31 > 0:27:34because when we met in 1984 I had zero.
0:27:38 > 0:27:41Right now, she has 3,000 apartment units.
0:27:44 > 0:27:49And we just bought a golf course around this hotel. And the hotel.
0:27:50 > 0:27:52And five more golf courses.
0:27:52 > 0:27:56And we have struck oil three times this year. So we are doing very well.
0:27:58 > 0:28:01Of course, a considerable part of Robert's wealth
0:28:01 > 0:28:05also comes from teaching other people how to get rich.
0:28:07 > 0:28:10In 1997, he published his book Rich Dad Poor Dad,
0:28:10 > 0:28:15which went on to sell over 28 million copies worldwide.
0:28:17 > 0:28:19The book is a parable about Robert's two so-called dads,
0:28:19 > 0:28:25one, his actual father, who believed in studying hard at school and getting a good job,
0:28:25 > 0:28:31and the other a family friend, whose emphasis was purely on making money.
0:28:32 > 0:28:35I did have two dads - one was a socialist
0:28:35 > 0:28:37and one was a capitalist, a classic story.
0:28:37 > 0:28:41But I decided I would rather be a capitalist.
0:28:41 > 0:28:44Assets put money in your pocket whether you work or not
0:28:44 > 0:28:46and liabilities take money from your pocket.
0:28:46 > 0:28:51We're not saying do real estate, oil or whatever, it is just know an asset from a liability.
0:28:51 > 0:28:55So if I had a car and I rented it out as a cab, it would be an asset.
0:28:55 > 0:28:58But if I drive my car, it is a liability.
0:28:58 > 0:29:02So we have a big house right now, but this house is a liability, it is not an asset.
0:29:02 > 0:29:06We have beautiful cars, they are not assets, they are liabilities.
0:29:06 > 0:29:08So all of the cash flow from our assets
0:29:08 > 0:29:10pay for all of our liabilities.
0:29:10 > 0:29:15Which is a rule we have. When I want a new toy, because I am toy king...
0:29:16 > 0:29:19I came back yesterday and said I had ordered a new Ferrari.
0:29:19 > 0:29:25Well, she knows and I know I have to go and create an asset that is
0:29:25 > 0:29:27going to be for the Ferrari, because she is not going to pay for it.
0:29:27 > 0:29:31So the rules are, assets buy liabilities.
0:29:31 > 0:29:34People say, "I want to be rich." The question is, are you willing to do what it takes?
0:29:36 > 0:29:39The last time I saw you was at the Excel Centre. How was that?
0:29:39 > 0:29:45- It was quite good. I enjoyed it. - What did you learn from Robert Kiyosaki?
0:29:45 > 0:29:50He is a lot taller and a bit bigger than I thought he was. He has got a presence.
0:29:50 > 0:29:53Tell me what significant things have happened.
0:29:53 > 0:29:55- I told my parents about it. - How did you put it to them?
0:29:55 > 0:29:57What did you say you were going to do?
0:29:57 > 0:30:01I told them that I was not going to go to university this year
0:30:01 > 0:30:05or next year, that I was going to go into entrepreneurship.
0:30:05 > 0:30:08Did you explain in detail or more in general?
0:30:08 > 0:30:10I explained it in general. I did go into detail at one point,
0:30:10 > 0:30:13I think I lost them a little bit.
0:30:14 > 0:30:18Your mum's reaction was what? That she wants you to go to university?
0:30:18 > 0:30:21She still wants me to go to university. I think she thinks it's not going to work.
0:30:23 > 0:30:26Have you made any money since I last saw you?
0:30:26 > 0:30:31We haven't really been focusing on making the money as much since we last spoke.
0:30:31 > 0:30:34We have been focusing on planning and getting all the planning done.
0:30:34 > 0:30:39How do you feel when you see other people are maybe going travelling or going to university?
0:30:39 > 0:30:43it doesn't really matter that much, I think, because, in the long run,
0:30:43 > 0:30:46I know that I am going to be able to go travelling whenever I want.
0:30:46 > 0:30:52I flunked Spanish, I flunked French and I flunked Japanese
0:30:52 > 0:30:54and I flunked English twice.
0:30:55 > 0:30:59The idea of "Go to school and get a job" is probably the most
0:30:59 > 0:31:03destructive thought in your brain today.
0:31:03 > 0:31:05That is really the core of the Rich Dad message.
0:31:07 > 0:31:10Tell me at what age you both became financially free
0:31:10 > 0:31:12and retired, effectively.
0:31:12 > 0:31:19That was 1994. She was 37 and I was 47. It took us 10 years.
0:31:19 > 0:31:23We had all these people coming to us because we had retired, asking us how we did it.
0:31:23 > 0:31:26We thought instead of us travelling all over the world
0:31:26 > 0:31:29talking about what we did, we both love to play games.
0:31:29 > 0:31:32And so Robert had this vision in his head of what this game would
0:31:32 > 0:31:35look like, so we sat down and we started putting together
0:31:35 > 0:31:39the Cash Flow game, based on what we did to get out of the rat race.
0:31:42 > 0:31:45The Kiyosakis now sell their Cash Flow boardgame
0:31:45 > 0:31:49and people are encouraged to play it as part of their programme
0:31:49 > 0:31:51of financial education.
0:31:51 > 0:31:55The game is actually doing the work that we don't have to do now.
0:31:55 > 0:31:58It just travels. It is all over the world.
0:31:58 > 0:32:01In Estonia, Poland, Czech Republic and Germany,
0:32:01 > 0:32:08and there are Cash Flow clubs all over China and Japan, Australia and New Zealand.
0:32:08 > 0:32:15We're setting up the boardgame. We've got the different cards and the money.
0:32:15 > 0:32:20We shuffle these and everyone gets a profession card.
0:32:20 > 0:32:24They had to pick them without knowing what profession they are.
0:32:24 > 0:32:29You have things from mechanic right through to an airline pilot.
0:32:29 > 0:32:32The lower paid ones like the janitor, they have lower income
0:32:32 > 0:32:38but they have lower expenses as well, and the airline pilot has
0:32:38 > 0:32:42really high income but their expenses are through the roof as well.
0:32:44 > 0:32:48So even someone like the mechanic can get out the rat race faster
0:32:48 > 0:32:50than the airline pilot.
0:32:53 > 0:32:56- Are you good at it?- I love it, yes. - Are you good at it in real life?
0:32:56 > 0:33:01Um, well... In real life, that is a good question!
0:33:36 > 0:33:41The instructor of the Cash Flow game, Niki, lives in New Romney in Kent.
0:33:42 > 0:33:46She's married to a plumber and has two children.
0:33:48 > 0:33:54The very first book I read on self-development, or looking beyond what is,
0:33:54 > 0:33:58was by Betty Shine, and she was a medium.
0:33:58 > 0:34:04And then You Can Heal Your Life by Louise Hay had a huge impact on me.
0:34:04 > 0:34:10- When was this? - Louise Hay was around 1999, I think.
0:34:10 > 0:34:15- So this all started about 10 or 11 years ago?- Yeah. Yeah.
0:34:17 > 0:34:18What was happening ten,
0:34:18 > 0:34:23eleven years ago that made you turn to these kinds of books, Niki?
0:34:25 > 0:34:27SHE SIGHS
0:34:31 > 0:34:33My nephew was diagnosed with cancer.
0:34:34 > 0:34:37And that's why I started reading Betty Shine,
0:34:37 > 0:34:40looking for alternatives to...
0:34:40 > 0:34:43because it was inoperable brain tumour.
0:34:43 > 0:34:47So we were looking for any kind of alternatives,
0:34:47 > 0:34:49any kind of possibilities.
0:34:50 > 0:34:54And that's when I started reading Betty Shine
0:34:54 > 0:34:58and that's what led me to read You Can Heal Your Life.
0:34:59 > 0:35:01And he died in June '99.
0:35:03 > 0:35:07Can you just describe how things developed from there,
0:35:07 > 0:35:11in terms of any courses that you went on or the direction
0:35:11 > 0:35:12that your reading took you?
0:35:12 > 0:35:13Well, I think,
0:35:13 > 0:35:18then I discovered Robert Allen's Multiple Streams Of Income,
0:35:18 > 0:35:22cos I loved the idea of multiple streams of income without being reliant on
0:35:22 > 0:35:27one linear income where you only get paid for every hour that you work.
0:35:27 > 0:35:29You've got to explain to me, Niki,
0:35:29 > 0:35:33because on the one hand, it was all about healing and being quite spiritual
0:35:33 > 0:35:36and then the next minute, it's all about how you can make
0:35:36 > 0:35:39as much money as you possibly can in the quickest amount of time,
0:35:39 > 0:35:41which may or may not be spiritual,
0:35:41 > 0:35:44but it sounds like something quite different.
0:35:44 > 0:35:46Well, I was just going to say, you know,
0:35:46 > 0:35:50just because you have money, it doesn't mean you can't be spiritual.
0:35:50 > 0:35:54And, I mean, money's passive. It doesn't come with emotions.
0:35:54 > 0:36:00Money is just a tool. And it's up to us how we use it.
0:36:00 > 0:36:07# Money, I could buy me all the things I want to buy
0:36:07 > 0:36:11# Anything that took a fancy to my eye
0:36:11 > 0:36:18# Money, how I love the feel of money in my hand... #
0:36:18 > 0:36:21- How much do you get paid here? - When I was...
0:36:21 > 0:36:24Before I was 18, it was £4.62 an hour,
0:36:24 > 0:36:27which is just over minimum wage.
0:36:27 > 0:36:33Now I've turned 18, I think it's about £5.68, £5.60-something an hour.
0:36:33 > 0:36:35When you're a successful entrepreneur,
0:36:35 > 0:36:38do you imagine this is the only job you'll ever have had as an employee?
0:36:38 > 0:36:40I'll be happy when people say,
0:36:40 > 0:36:43"Oh, what was the big job that gave you all the money?"
0:36:43 > 0:36:48I'll say, "I worked in Homebase until I was 18." And then...
0:36:48 > 0:36:50I'd be quite happy and proud to say that.
0:36:50 > 0:36:55- So you imagine you'll only ever work for yourself after this?- Yep.
0:36:55 > 0:36:58And, Rhys, do you think that you've got what it takes
0:36:58 > 0:37:00to be a successful entrepreneur?
0:37:00 > 0:37:03- Yep. Definitely. - What do you think it takes?
0:37:03 > 0:37:04I don't think it takes...
0:37:04 > 0:37:08All it takes is a bit of confidence in yourself.
0:37:08 > 0:37:12A lot of confidence in yourself and the right knowledge.
0:37:12 > 0:37:15But the knowledge is available everywhere.
0:37:15 > 0:37:17And you've got to have the right mindset to, you know,
0:37:17 > 0:37:21pick up the knowledge and act on it.
0:37:21 > 0:37:23But anyone could do it, I think.
0:37:23 > 0:37:24Do you ever freak out,
0:37:24 > 0:37:27Rhys, about the fact that the money isn't coming in?
0:37:27 > 0:37:30No, not really, cos I know it's going to come in.
0:37:30 > 0:37:34If I sat there and worried about not having enough money,
0:37:34 > 0:37:36then the universe wouldn't give me a lot.
0:37:36 > 0:37:38But if you just keep saying to yourself,
0:37:38 > 0:37:40"I know it's going to come in, so it's fine."
0:37:42 > 0:37:45What's that little cheque down by the bath there?
0:37:45 > 0:37:49This is my cheque looking at me. I am a milionairess.
0:37:49 > 0:37:53One, zero, zero, zero, zero, zero, zero.
0:37:53 > 0:37:57- So that's a cheque for £1 million? - That's right. It's addressed to me.
0:37:57 > 0:38:01- Pay Janice Geddes the sum of £1 million.- And who wrote that cheque?
0:38:01 > 0:38:02I wrote it to myself.
0:38:02 > 0:38:05It says, "Thank you. A gift from the universe."
0:38:05 > 0:38:08What happens if you took that to the bank, Janice?
0:38:08 > 0:38:10You'd get done for fraud!
0:38:10 > 0:38:14I am an excellent money manager. I always pay myself first.
0:38:14 > 0:38:18I always pay myself first. I always pay myself first.
0:38:18 > 0:38:22I put money into my financial freedom fund every single day.
0:38:22 > 0:38:28Kerching! Kerching! Kerching!
0:38:28 > 0:38:31Why are you saying kerching, Janice?
0:38:31 > 0:38:34It just reinforces that thing and it makes you prosperous.
0:38:34 > 0:38:36You're doing that action every day.
0:38:36 > 0:38:38It's important to do it every day.
0:38:38 > 0:38:40It's not just today. Tomorrow, I'll be doing it again.
0:38:40 > 0:38:44I work because I choose to, not because I have to.
0:38:44 > 0:38:46I have a millionaire mind!
0:38:47 > 0:38:51My name is T. Harv Eker. Welcome of The Millionaire Mind Intensive.
0:38:56 > 0:39:02Curiously enough, T Harv Eker also lives in Phoenix, Arizona.
0:39:03 > 0:39:08His parents were penniless Polish immigrants, but he is now
0:39:08 > 0:39:13the best-selling author of a book called Secrets Of The Millionaire Mind.
0:39:15 > 0:39:17I'm a multi-multi millionaire, and you can say
0:39:17 > 0:39:21multi for a couple of minutes, so I'm doing pretty well.
0:39:22 > 0:39:26I guess I'm known as a cross between Donald Trump and the Buddha.
0:39:28 > 0:39:32The basic philosophy of what I teach is that you can be kind,
0:39:32 > 0:39:37generous, loving, balanced, have a wonderful family life,
0:39:37 > 0:39:43healthy, very spiritual, and get really, really, really rich.
0:39:43 > 0:39:46Nice way to live.
0:39:47 > 0:39:51I have a lot of real estate, I have a lot of stock positions,
0:39:51 > 0:39:56I have ATM machines, I have all kinds of things of that nature, too.
0:39:56 > 0:39:59What do you mean, you own ATM machines?
0:39:59 > 0:40:03- I own ATM machines, yes. - Do you own the bank?!- No, no.
0:40:03 > 0:40:07In North America, ATM machines can be owned by individual investors.
0:40:07 > 0:40:09I probably make about...
0:40:09 > 0:40:11On a 2 charge, I might make 20 cents.
0:40:11 > 0:40:16But if I have a lot of machines, that works out pretty nicely.
0:40:16 > 0:40:19Turn to somebody, look them in the eye,
0:40:19 > 0:40:21give them a high five and say, "You have a millionaire mind."
0:40:24 > 0:40:29Harv preaches that getting rich is all about having the right mindset.
0:40:29 > 0:40:35Whilst the Kiyosakis emphasised the need to get yourself a financial education,
0:40:35 > 0:40:37Harv believes you can only be successful
0:40:37 > 0:40:40if you have self-belief and the right mental attitude.
0:40:43 > 0:40:47You can actually have two people sitting in the same room,
0:40:47 > 0:40:49learning exactly the same principles and strategies,
0:40:49 > 0:40:53and one person will take these tools and they will skyrocket to success.
0:40:53 > 0:40:57But what do you think will happen to the person maybe sitting right beside them?
0:40:57 > 0:40:58Yeah, not a heck of a lot.
0:40:58 > 0:41:00And I realised right there,
0:41:00 > 0:41:03you can actually have the greatest tools in the world, but if you have
0:41:03 > 0:41:07just a tiny leak in the toolbox, then we have a little problem.
0:41:07 > 0:41:11So I began designing programmes based on the inner game. What game?
0:41:11 > 0:41:14- ALL: The inner game. - The inner game of money success.
0:41:14 > 0:41:18When we blend and combine the inner game with the outer tools,
0:41:18 > 0:41:21virtually everybody's results went through the roof. Good or good?
0:41:24 > 0:41:28What did you two learn from T Harv Eker?
0:41:28 > 0:41:31I learned a lot about breaking through fears and acting
0:41:31 > 0:41:34and stuff, because you do one exercise where you have an arrow -
0:41:34 > 0:41:36like, an actual arrow.
0:41:36 > 0:41:39You put it in the little soft part, the point in there.
0:41:39 > 0:41:43If you just push straight into it, the natural fear, obviously,
0:41:43 > 0:41:45is it's going to go through your throat.
0:41:45 > 0:41:49But it doesn't. There's no way it's going to break through your skin.
0:41:49 > 0:41:51It just breaks.
0:41:51 > 0:41:54And that's to symbolise breaking through your fear.
0:41:54 > 0:41:58And what is the lesson you're meant to draw from that, do you think?
0:41:58 > 0:42:00That...the fear is doing something.
0:42:00 > 0:42:03It's a lot worse than what you're scared of.
0:42:03 > 0:42:09ALL: Money comes easily to me. Money comes easily to me.
0:42:09 > 0:42:13To change people's mindset, Harv gives them a programme of daily exercises
0:42:13 > 0:42:18that will reinforce their new monkey-making attitude.
0:42:18 > 0:42:23What this does is this methodology integrates the left and right sides of the brain
0:42:23 > 0:42:25and creates whole-brain learning,
0:42:25 > 0:42:29which then drives the conditioning deep into the subconscious.
0:42:29 > 0:42:35This is all reinforcing, "I am a millionaire. I am a millionaire.
0:42:35 > 0:42:41"I am a millionaire. I am a millionaire. I am a millionaire."
0:42:41 > 0:42:44Are these ideas from neurology or...
0:42:44 > 0:42:46- Yes, they're definitely... - ..Buddhism, or...
0:42:46 > 0:42:50Definitely scientific neurological pathway changes.
0:42:52 > 0:42:56All energy, as Einstein said, affects all other energy.
0:42:56 > 0:42:59This is all scientific.
0:42:59 > 0:43:02I am an excellent money manager.
0:43:02 > 0:43:08I am an excellent... Really feel it! I am an excellent money manager.
0:43:08 > 0:43:13I am an excellent money manager. Eyes are open. Cross crawls.
0:43:13 > 0:43:17Looking downwards. I am an excellent money manager. Kinaesthetic.
0:43:17 > 0:43:19I am an excellent money manager.
0:43:19 > 0:43:23Eyes are down. I am an excellent money manager.
0:43:23 > 0:43:29I am an excellent money manager. I am an excellent money manager.
0:43:29 > 0:43:31One more time, really loud.
0:43:31 > 0:43:34ALL: I AM AN EXCELLENT MONEY MANAGER!
0:43:34 > 0:43:37Give someone a high five and say, "You have a millionaire mind!"
0:43:37 > 0:43:39CHAOS
0:43:42 > 0:43:45Are you met with scepticism in the UK?
0:43:45 > 0:43:48I'm met with some scepticism everywhere, but that's OK,
0:43:48 > 0:43:50because I think that's a healthy thing.
0:43:50 > 0:43:53One of the first things I tell people when I get on stage is,
0:43:53 > 0:43:56"Don't believe a word I say."
0:43:56 > 0:43:58- Now, why would I suggest that? - I don't know!
0:43:58 > 0:44:01Because whose experience can I come from? Just my experience.
0:44:01 > 0:44:05All I can let you know is that the principles that you're learning
0:44:05 > 0:44:08totally transformed my life and have now transformed
0:44:08 > 0:44:10the lives of hundreds of thousands of other people.
0:44:10 > 0:44:13If you learn them and, more importantly, you use them,
0:44:13 > 0:44:17I believe you can transform your life, too.
0:44:17 > 0:44:20Good morning, ladies and gentlemen.
0:44:20 > 0:44:24I'm going to introduce to you Mr Marcus de Maria.
0:44:24 > 0:44:27Please put your hands together, thank you!
0:44:27 > 0:44:29APPLAUSE
0:44:35 > 0:44:38- Hello! Hello!- Say hello to Daddy.
0:44:38 > 0:44:42Marcus and his wife Madrika have put both Harv's
0:44:42 > 0:44:46and Robert's teachings into practice and are now millionaires.
0:44:47 > 0:44:51Marcus is a wealth coach and entrepreneur and together,
0:44:51 > 0:44:54the couple run their own seminar business.
0:44:54 > 0:45:00- What are the courses that you run? - I run...mainly two things, really.
0:45:00 > 0:45:03One is a stock market course for beginners.
0:45:08 > 0:45:11And then there's the mindset and psychology one.
0:45:11 > 0:45:13We call that The Wealth Workout at the moment,
0:45:13 > 0:45:18which is more about the mindset and psychology of finances.
0:45:18 > 0:45:21Who's ready to start creating wealth? Who's ready?
0:45:21 > 0:45:24OK, everybody please then stand up!
0:45:26 > 0:45:30And...rush to the back of the room!
0:45:30 > 0:45:33Go!
0:45:35 > 0:45:37So you've drawn on all these American teachings.
0:45:37 > 0:45:40Mainly, I think, yeah.
0:45:40 > 0:45:43And translated that for a UK market -
0:45:43 > 0:45:46- is that what you've done?- Yes. Yeah. That's exactly what I've done. Yeah.
0:45:49 > 0:45:55Cos you still need to work when you're retired, but...
0:45:55 > 0:45:58Oh, you're laughing. It's worse for you, don't worry.
0:45:58 > 0:46:02If you learn the principles of trading and you teach people
0:46:02 > 0:46:05when to buy and when to sell...
0:46:05 > 0:46:08Groan, aah!
0:46:09 > 0:46:12..how does it help to do the funny exercises?
0:46:12 > 0:46:13Is that really necessary?
0:46:13 > 0:46:15'You don't have to do anything,'
0:46:15 > 0:46:18it's just that, you know,
0:46:18 > 0:46:20it helps so many different people.
0:46:20 > 0:46:24Why don't you try it out and see whether it works for you.
0:46:24 > 0:46:27'It's very, very powerful.'
0:46:27 > 0:46:29So go ahead now and with your empowering belief
0:46:29 > 0:46:32mixed with certainty, wealth and belief in yourself,
0:46:32 > 0:46:34in your right hand,
0:46:34 > 0:46:37start pouring it from the right hand
0:46:37 > 0:46:39into your left palm.
0:46:39 > 0:46:43Just start pouring it in, pouring it in, pouring it in
0:46:43 > 0:46:44and faster and faster,
0:46:44 > 0:46:47and harder and harder and harder and harder,
0:46:47 > 0:46:49and faster and cascading, you can see it
0:46:49 > 0:46:51filling up the left palm,
0:46:51 > 0:46:53totally overwhelming whatever is in it,
0:46:53 > 0:46:54dripping down,
0:46:54 > 0:46:56it's like an avalanche now.
0:46:56 > 0:46:58Absolutely overwhelming what's in it!
0:46:58 > 0:47:00Now go ahead and clap your hands together.
0:47:00 > 0:47:02I want you to see, hear and feel
0:47:02 > 0:47:04your new empowering belief,
0:47:04 > 0:47:06mixed with your old limiting belief,
0:47:06 > 0:47:08every time you clap.
0:47:09 > 0:47:12# I've got some magic in me
0:47:12 > 0:47:15# Every time I touch that track
0:47:15 > 0:47:18# It turns into gold
0:47:19 > 0:47:23# Everybody knows I've got the magic in me
0:47:24 > 0:47:26# When I hit the flow
0:47:26 > 0:47:28# The girls come snappin' at me... #
0:47:28 > 0:47:31Do you enjoy spending money?
0:47:31 > 0:47:33Is there anything you deny yourselves?
0:47:33 > 0:47:34Not me!
0:47:34 > 0:47:36He spends a whole lot more than I do!
0:47:36 > 0:47:39- People think she's a shopper. I'm the shopper!- I'm not a shopper!
0:47:39 > 0:47:42Well, you see my Ford pick-up truck, my Bentley.
0:47:42 > 0:47:44My Ferrari, my Lamborghini
0:47:44 > 0:47:46and that's Kim's Lamborghini, so...
0:47:46 > 0:47:48I have one...he has four!
0:47:49 > 0:47:52That's the way it goes, I love cars.
0:47:53 > 0:47:55I love trucks.
0:47:55 > 0:47:56- Are you a good driver, Robert?- No.
0:47:56 > 0:47:59Do you know a lot about cars?
0:47:59 > 0:48:01No.
0:48:03 > 0:48:07I bought a nice, flashy car about three years ago
0:48:07 > 0:48:11and every time I drove it I thought,
0:48:11 > 0:48:14"I'm driving around in the deposit for a property here."
0:48:15 > 0:48:18A car doesn't put money in your pocket,
0:48:18 > 0:48:19it takes it out of your pocket.
0:48:19 > 0:48:22Some people will think, "Oh, I've got the wind in my hair
0:48:22 > 0:48:24"and this is really good fun."
0:48:24 > 0:48:27Well, I had that and it was fun at the time,
0:48:27 > 0:48:30but there is a tendency to think that,
0:48:30 > 0:48:33"if I have this flashy thing or this flashy that,
0:48:33 > 0:48:35"then it will make me happy."
0:48:35 > 0:48:36It's easy for me to say that,
0:48:36 > 0:48:39sitting in this gorgeous surrounding, isn't it?
0:48:39 > 0:48:41People will say, "You've got all the trappings,
0:48:41 > 0:48:43"it's fine for you.
0:48:43 > 0:48:46"You've the jewellery, the house, the car,"
0:48:46 > 0:48:50but those things are not as important
0:48:50 > 0:48:53as being able to have the freedom
0:48:53 > 0:48:56to actually buy those things in the first place.
0:48:56 > 0:48:57You lost me there.
0:48:57 > 0:48:59Having those things isn't as important
0:48:59 > 0:49:01as having the freedom to buy them?
0:49:01 > 0:49:02Exactly,
0:49:02 > 0:49:05or the freedom to do anything else that you want.
0:49:05 > 0:49:09RHYTHM AND BLUES RIFF
0:49:16 > 0:49:19Maria does spend money supporting her husband Stuart,
0:49:19 > 0:49:22who is a musician.
0:49:26 > 0:49:29Explain, Stuart what your contribution is,
0:49:29 > 0:49:31financial or otherwise.
0:49:31 > 0:49:33Um...well...
0:49:35 > 0:49:38I bring in what I bring in.
0:49:38 > 0:49:42I just put it in the pot, I suppose. It's non-specific, really.
0:49:43 > 0:49:46I feel I contribute what I do and...
0:49:47 > 0:49:51As I say, it's not so much about the pounds and pence for me personally,
0:49:51 > 0:49:53it's more about what I do,
0:49:53 > 0:49:55and how I do it.
0:49:56 > 0:49:59So do you...think about money much, Stuart?
0:49:59 > 0:50:02Um...
0:50:02 > 0:50:07I don't suppose I do in a conventional sense.
0:50:12 > 0:50:16And Stuart, are you interested in Maria's spreadsheets?
0:50:16 > 0:50:17Absolutely not, no.
0:50:17 > 0:50:22Maria is very skilful with figures.
0:50:22 > 0:50:24I mean, I'm not going to pretend I am.
0:50:24 > 0:50:27So you both do what you're good at?
0:50:27 > 0:50:29I think so.
0:50:29 > 0:50:32I can't play the guitar, at all!
0:50:33 > 0:50:38# Head, shoulders, knees and toes, knees and toes
0:50:38 > 0:50:42# Eyes and ears and mouth and nose
0:50:42 > 0:50:43# Head, shoulders... #
0:50:43 > 0:50:46Yeah!
0:50:46 > 0:50:47Yey!
0:50:47 > 0:50:48Good girl.
0:50:48 > 0:50:50Do you like spending money, Marcus?
0:50:50 > 0:50:52Um, no.
0:50:52 > 0:50:55I don't really even know how to spend money.
0:50:55 > 0:50:58If I go shopping, I'll just go, "Well, I don't really need it.
0:50:58 > 0:51:01"I don't need it, I don't need it, I don't really need it."
0:51:01 > 0:51:02I don't need anything.
0:51:04 > 0:51:06There is a paradox, Marcus,
0:51:06 > 0:51:09that you are very interested in accumulating wealth
0:51:09 > 0:51:10and becoming wealthy
0:51:10 > 0:51:12and you teach others how to become wealthy...
0:51:12 > 0:51:16- Yeah.- ..but you don't have anything you want to spend money on.
0:51:16 > 0:51:17That's great, isn't it?
0:51:17 > 0:51:21That means I'm totally happy because I have everything that I want.
0:51:23 > 0:51:25Do I just want money for the sake of money?
0:51:25 > 0:51:26Absolutely not.
0:51:26 > 0:51:27What do you want it for?
0:51:27 > 0:51:30To give other people the chance that was given to me.
0:51:31 > 0:51:33- To make money?- Yeah.
0:51:36 > 0:51:38What do you buy for yourselves?
0:51:38 > 0:51:42I suppose we don't spend a lot on ourselves because we don't need to.
0:51:42 > 0:51:47We've been married for 33 years, we've got everything we want.
0:51:47 > 0:51:51Do you know percentage-wise how much of your money you give away?
0:51:51 > 0:51:53I don't know the exact amount.
0:51:53 > 0:51:56Probably we'd be looking at something like
0:51:56 > 0:51:59between 10 and 15% in total.
0:51:59 > 0:52:03- Is that to charity, to your church, or...?- To both.- Both.
0:52:03 > 0:52:07Do you feel that you are doing as much good for the world now
0:52:07 > 0:52:10as you were when you were in caring professions?
0:52:10 > 0:52:12Probably more.
0:52:12 > 0:52:16I'm very much a people person - it's a cliche and I hate it -
0:52:16 > 0:52:20but my whole nursing career
0:52:20 > 0:52:22I've spent on the community
0:52:22 > 0:52:24cos I like working with people in their own homes.
0:52:24 > 0:52:29What I do now is not nursing as such but it's still caring for people.
0:52:29 > 0:52:33That hasn't stopped just because I'm not a nurse any more.
0:52:33 > 0:52:36I just care for them in a different sort of way.
0:52:36 > 0:52:38We're in a situation at the moment in the world,
0:52:38 > 0:52:41where a lot of people can't get a mortgage
0:52:41 > 0:52:42and as property investors
0:52:42 > 0:52:45we have the knowledge and the know-how to be able to help
0:52:45 > 0:52:48give them the right sort of accommodation.
0:52:48 > 0:52:52ORGAN PLAYS
0:52:52 > 0:52:55# Praise the Lord
0:52:55 > 0:52:57# Praise the Lord
0:52:57 > 0:53:00# Let the earth hear His voice
0:53:00 > 0:53:02# Praise the Lord
0:53:02 > 0:53:04# Praise the Lord
0:53:04 > 0:53:08# Let the people rejoice
0:53:08 > 0:53:11# O, come to the Father
0:53:11 > 0:53:14# Through Jesus the Son
0:53:14 > 0:53:18# And give Him the glory
0:53:18 > 0:53:23# Great things He has done. #
0:53:27 > 0:53:30Have you ever worked out how much you've spent on courses?
0:53:31 > 0:53:33Hmm...
0:53:33 > 0:53:34um...
0:53:36 > 0:53:37..Hmm.
0:53:38 > 0:53:42I think if you factor in...
0:53:43 > 0:53:46..the staying in a hotel, the travelling -
0:53:46 > 0:53:50one of the courses was in the Bahamas, which was pretty fabulous -
0:53:51 > 0:53:56I reckon it's got to be around the £50,000 mark.
0:53:56 > 0:53:58How did you pay for all of that, Niki?
0:53:58 > 0:54:01I got an inheritance.
0:54:01 > 0:54:06It was a lot of money for us and I had no idea what to do with it.
0:54:06 > 0:54:09So, we spent a lot of money.
0:54:09 > 0:54:11When the inheritance ran out,
0:54:11 > 0:54:15I had credit cards, so, um...
0:54:15 > 0:54:17- You carried on?- Yes!
0:54:19 > 0:54:23We got to the brink of bankruptcy and...
0:54:24 > 0:54:26..nearly lost our home,
0:54:26 > 0:54:28nearly lost it all,
0:54:28 > 0:54:31but we're now coming back from that
0:54:31 > 0:54:33and...yeah.
0:54:33 > 0:54:35How long ago was that, Niki?
0:54:35 > 0:54:37This year.
0:54:37 > 0:54:41It sounds as though you are actually worse off
0:54:41 > 0:54:43than you were
0:54:43 > 0:54:45before you went on all your courses.
0:54:45 > 0:54:48Well...not really, because I have the knowledge now.
0:54:50 > 0:54:53I have the personal knowledge of how to make money,
0:54:53 > 0:54:55I also have a financial strategy.
0:54:55 > 0:54:57How much money do you want?
0:55:00 > 0:55:02I want seven million.
0:55:02 > 0:55:05Does that come with a time frame, you know, when you want it?
0:55:05 > 0:55:09Seven million's a five to ten year plan.
0:55:10 > 0:55:11Look me in the eye, Niki,
0:55:11 > 0:55:14and tell me - is that a realistic goal?
0:55:16 > 0:55:18Um...I think so.
0:55:21 > 0:55:23How much money have you got, either of you at the moment?
0:55:23 > 0:55:25In the bank?
0:55:25 > 0:55:27In the bank...
0:55:29 > 0:55:31..about £70?
0:55:31 > 0:55:34You've got £70, and how much do you owe?
0:55:34 > 0:55:36£4,500.
0:55:36 > 0:55:38Rhys, you're a bit better off,
0:55:38 > 0:55:42you've got £200 coming in from Homebase a month.
0:55:42 > 0:55:43Yep.
0:55:43 > 0:55:47What's the state of your bank balance?
0:55:47 > 0:55:49How d'you mean?
0:55:49 > 0:55:51At the moment, I've still got £200 in there,
0:55:51 > 0:55:54cos I haven't paid this month's rent,
0:55:54 > 0:55:56but once that goes out I think I'll have about £15.
0:55:56 > 0:55:58What are your debts?
0:55:58 > 0:56:01What are my debts? I owe almost £500 on credit cards.
0:56:01 > 0:56:07You said to me your goals were to be millionaires by the age of 30
0:56:07 > 0:56:10and to buy a property within one year of leaving school.
0:56:10 > 0:56:14You left four months ago, you've got eight months to go to achieve that.
0:56:14 > 0:56:16- Are you on track?- BOTH:- Yes. - Definitely.
0:56:16 > 0:56:19Even though you haven't made any money at all
0:56:19 > 0:56:20since I last spoke to you?
0:56:21 > 0:56:26I don't think you can measure how we've grown in a financial sense...
0:56:26 > 0:56:28Yeah.
0:56:28 > 0:56:32..because it's not about the money, it's about the mindset.
0:56:32 > 0:56:33We've both changed so much
0:56:33 > 0:56:36that we know we could go out and make a lot of money.
0:56:36 > 0:56:40Sometimes we take two steps forward and then we go one step back
0:56:40 > 0:56:43but the whole point is we're always progressing
0:56:43 > 0:56:46and fair enough - you haven't seen it in our bank balance -
0:56:46 > 0:56:48but in there, it's growing.
0:56:50 > 0:56:52Can everyone be rich?
0:56:52 > 0:56:54Can everyone or anyone...
0:56:54 > 0:56:57what's the difference between everyone and anyone?
0:56:57 > 0:57:02I think anyone who wants to be and continues doing the things
0:57:02 > 0:57:07that they should be doing in order to become wealthy can, yes.
0:57:07 > 0:57:09Can anyone be a millionaire?
0:57:10 > 0:57:13Can anyone be a millionaire? I think so.
0:57:13 > 0:57:16If they want it and they get the right help and support,
0:57:16 > 0:57:18mentoring, absolutely, yes.
0:57:18 > 0:57:20Yeah, absolutely 100%.
0:57:22 > 0:57:25Are you feeling optimistic about your financial future, Janice?
0:57:25 > 0:57:29The financial future, yeah, I'm on top of it.
0:57:29 > 0:57:31I just feel like this is happening for me.
0:57:33 > 0:57:36Do you ever have days where you feel less optimistic?
0:57:36 > 0:57:38There is some days where I feel peed-off
0:57:38 > 0:57:41and I get up in the morning, quite honestly and I say,
0:57:41 > 0:57:45"I just want to be able to stay in my bed if I want to stay in my bed."
0:57:45 > 0:57:50I'm not financially free yet so I have to get out of the bed!
0:57:54 > 0:57:57# Who wants to be a millionaire?
0:57:57 > 0:57:59# I don't
0:57:59 > 0:58:02# Have flashy flunkies everywhere?
0:58:02 > 0:58:03# I don't
0:58:03 > 0:58:07# Who wants the bother of a country estate?
0:58:07 > 0:58:10# A country estate?
0:58:10 > 0:58:11# Is something I'd hate
0:58:11 > 0:58:15# Who wants to wallow in champagne?
0:58:15 > 0:58:17# I don't
0:58:17 > 0:58:20# Who wants a supersonic plane?
0:58:20 > 0:58:21# I don't
0:58:21 > 0:58:24# Who wants a private landing field too?
0:58:24 > 0:58:26# I don't
0:58:26 > 0:58:28# And I don't, cos all I want is you
0:58:32 > 0:58:35# Who wants an opera box, I'll bet?
0:58:35 > 0:58:36# I don't
0:58:36 > 0:58:40# And sleep through Wagner at the Met?
0:58:40 > 0:58:41# I don't
0:58:41 > 0:58:44# Who wants to corner Cartiers too?
0:58:44 > 0:58:45# I don't
0:58:45 > 0:58:47# And I don't...
0:58:47 > 0:58:52# Cos all I want is you. #
0:58:52 > 0:58:55Subtitles by Red Bee Media Ltd