Who Wants to be a Millionaire? Money

How many of you would like to have total wealth in your lives?

CHEERING Oh, come on.

How many of you would like to have total wealth in your lives? Thank you.

How many of you would like to have a lot more money in your lives?

-CHEERING

-And how many would like to have a lot more happiness in your lives?

-And how many would like a lot more of both in your lives?

-CHEERING

Turn to someone, give him a high five and say, "You master your mind!"

There is enough money in the world to make everybody a millionaire.

I mean, they are trillions of dollars or pounds floating across the ether day in, day out

and everybody can have a share of that.

The question is, do they want it?

# I wanna be a billionaire so freakin' bad

# Buy our love the things I never had

# I want to be on the cover of Forbes magazine

# Smiling next to Oprah and the Queen

# I Want to be a billionaire so freakin' bad. #

All over the country, in Britain's hotels and conference centres,

something extraordinary is happening.

Whilst the majority of people worry about the state of the economy,

thousands of others are flocking to wealth seminars,

convinced they'll discover the key to getting extremely rich.

Wealth gurus from America are spreading the word that

we can all make large amounts of money and need never work again.

The definition of financial freedom that we use is this:

the ability, again, the ability to live the lifestyle you desire

without having to work or rely on anyone else for money.

Janice is 38 years old and lives on her own in Ilford in Essex.

Her patents came to Britain from Jamaica and worked as cleaners

to raise their seven children.

Why have you got posters everywhere?

I like to just come and read and think, just to reinforce in my mind.

This one says I'm healthy and wealthy.

This one says I'm a millionairess.

Also saying thank you, to show I have gratitude.

-Who are you thanking?

-The universe.

-The universe.

Can you explain what your job is, Janice?

My current job's a nursery nurse. And I work with children.

I love my job and this is why I'm very blessed.

At what point did you get interested in wealth and becoming wealthy?

As a child I've always loved, I don't know if you had Monopoly?

And I used to play that game.

From then I thought, you know what, this has got to be the path.

But you love your job, Janice. If you were financially free, you'd wake up

and you'd have nowhere to go - would that be good?

It would be good because you'd have a choice.

So I could do that if I wanted to rather than like now, I don't have a choice.

Turn to somebody, give them a high five and say, "You're going to be rich."

I'm the greatest money manager in the world.

I have the ability required to be successful.

I have a likeable personality

and most importantly, I'm a beautiful young woman.

And the idea is that that's all true

-or that by saying it, it will become true?

-Both.

Sarah and Rhys are still teenagers.

But they too have already got the wealth bug.

-Sarah, how old are you?

-I'm 18.

-And Rhys, how old are you?

-I'm 18 as well.

-And how long have you two been going out?

-Two years now.

-Yeah, two year anniversary.

-Yeah.

-And where did you meet?

At school. In geography.

-Are you both still at school?

-Yeah.

-Yeah.

-I'm in college, sixth form.

And I'm at just a college.

My parents expect me to go to university.

They do say, you have to work hard, get a good steady, secure job.

And then work and then retire.

That's how I've sort of been raised, to get a good education

and then get a good job and then work for my life.

I find the whole idea of having a job is quite ridiculous.

That you have to depend on someone. You have to keep your nose down

and try to please them and they pay you a pittance.

You know, that's not what you're worth. Yeah.

So it's appealing to you to be able to be more self-reliant?

Yeah, basically. And unlimited income appeals to me.

To achieve their financial goals,

wealth gurus encourage people to attend intensive weekend seminars.

The first one I went to was UPW. Which is unleash the power within.

-And how much did it cost?

-It cost £600 and then after that they mentioned wealth mastery.

And I thought, that sounds good. They send you a video, you see all this, the lifestyle you want to live.

Could you be living this lifestyle? And I thought, you know what, this is great.

-What was on the video?

-On the video it had, like, couples in love.

Wealth, holidays, opulence. It was there. You name it, it was there.

-I decided I would go for that.

-And how much was that one?

That one, about £900, I think it was.

-Then what was the next course you went on?

-Bob Proctor seminar.

Which was called The Science of Growing Rich.

-Did you have to pay for that one?

-No, that one was complimentary.

They did have a VIP section, you could upgrade

and of course, Janice upgraded. But that cost £400. That wasn't bad.

And then in the September of the same year, that was 2009,

-I went on a stocks course. It's called Stock Market Beginners Course.

-And how much was that course?

-That course cost £2,000.

-And how did you pay for that, Janice?

How did I pay for it? Well, what I done, it's a bit naughty, I know, but I put it on my credit card.

Janice plans to make her fortune by trading in stocks and shares.

According to the plan, I'll be a millionaire within 10 years' time.

-You know how much money you've made?

-I've made nearly £2,000.

And how much do you owe on your credit card, for all the courses that you've been on?

£4,000.

-But in your heart, do you feel you're making money?

-Absolutely.

And the knowledge I have now, I know I'm going to be financially free.

It's not even a guessing game or if, but, maybe. It's going to happen.

The simple objective of the money game is, write this down,

to earn enough -

what kind of income? Passive income - to pay for the lifestyle you desire.

One more time.

To earn enough passive income to pay for the lifestyle you desire.

# If I was a rich girl, na, na, na, na, na, na, na na. #

In the world of wealth creation, Maria epitomises success.

This is the dining hall. As you come in.

The effect I wanted to create here was of an old mediaeval church,

hence the colours and the chandeliers.

We've got Chinese slate floor here and it's got underfloor heating.

Gives a nice warm feel if you're dining in bare feet.

Maria left school at 15 and went on to achieve the luxury lifestyle

that would-be millionaires aspire to.

This is the start of the master bedroom suite.

So you've got this sort of little anteroom which is quite nice.

What is your job?

It'is a difficult one...

for somebody who doesn't have a job. My job is just being me, really.

One thing we did also have was opened up this balcony here

and it creates a really nice space for having your croissants

in the morning or your cocktails in the evening.

And would you say your background was working class, Maria?

Very much so, yes.

First job was working part-time in Mothercare.

And then I took a step up

and went, worked full-time as an usherette in the Odeon Cinema.

I went into offices and became a PA and realised that actually

I was fairly naturally organised and intelligent and had

a bit of nous so I didn't necessarily need O-levels and A-levels to prove it.

Maria began investing in rental property,

generating sufficient income that 11 years ago,

at the age of 39, she was able to give up work.

I have properties that I've never seen.

I've got properties throughout the country.

I've also got properties throughout the world.

I'm always out having lunches and dinners and got friends round

and it's great.

You know, life is just one big party, really, in many respects.

I have to say.

Do you have activities that you do in your free time?

Because some people wish they could give up their job

because they want to cycle from Land's End to John o'Groats or want to walk the Pennine Way.

It's not that you have another passion altogether,

that you're trying to clear your day so you can do something else.

No, not really. It's just that I want to spend my day doing what I choose to do

rather than what I have to do, to bring the money in

and it is very much choices right now.

If I choose to stay in bed all day reading a book

because I feel like it, then I can.

-Do you?

-I have done on occasion.

Not very often but I have done.

# Na-na-na-na-na-na

# Na-na-na-na-na-na

# Na-na-na-na-na... #

Maria achieved this level of wealth using a method

she learned from a now-legendary book called Rich Dad, Poor Dad

by Robert Kiyosaki.

I think everyone and his dog and his cat should read Rich Dad, Poor Dad.

When people read that, they see the whole thing about putting money

into income-producing assets so that throws off the money

so you don't have to work for a living.

And it shows you how the rich think differently to most people.

I read Rich Dad, Poor Dad by Robert Kiyosaki when I was 12.

And I read it again when I was 16 and I want to know more

and I bought the books. Now you can see, there's a whole shelf of books.

And I just read and read, so between 16 and 18

that's when you can say I did my research.

How did you get into all this wealth creation stuff, Rhys?

-Sarah was telling me about the books because she'd found them so helpful.

-Yes.

She gave me a big bag of them and she said, "Read them."

She highlighted stuff. She even told me with some of the books it gets a little bit repetitive.

"Just go through them, read the stuff that I've highlighted and the pages I've folded over."

-Yes...

-So I did that.

-So I thought, I'll help him. You know.

-That's what really started it.

-So You're fully on board now, Rhys?

-You're doing this now because YOU want to do it?

-I definitely want to do it now.

Although Rhys is clear in his own mind that he now wants

to devote himself to wealth creation, he hasn't yet plucked up the courage

to tell his mum and dad what he's up to.

Tell me a bit more, Rhys, about what your parents about this.

I've never really had a conversation with them about it.

They were getting a bit suspicious

because I went away for a whole weekend and I never really said where I went.

I get the impression they don't like it

because they do call it "get rich quick, wheeler dealer schemes".

You haven't actually sat down and said "This is my plan,

"this is what I'm doing, this is why I am doing it"?

No. That day is getting closer. I'm not looking forward to it that much.

# Pounds, dollar, millionaire. P... P... dollar...

# Millionaire

# Millionaire...#

Can you tell me what your job is?

I actually don't really have jobs now.

We're consultants for an organisation

which teach people how to invest in property.

Until recently, David and Shirley both worked in the public sector.

Shirley was a nurse and a health visitor.

David was an associate Dean of engineering at the University of Wales.

Five years ago, when they were in their late 40s,

they gave up their jobs to teach the Kiyosaki method

and became wealthy and successful property investors.

How much is your property portfolio worth?

It's probably round about between four and four and a half million.

I think it depends upon who's valuing it at and at what time.

My guess is at the moment it would be between those two figures.

And how money properties is that?

I think we've got about 27 properties altogether.

-About?

-29.

THEY LAUGH

-That's another good one.

-Way!

-Yay-hey!

What's your passive income from rental?

About 36 to 40,000 a year, purely from the property.

And then on top of that you earn money from teaching other people

how to invest in property.

Do you earn the same amount again doing that or more?

Between us we earn a lot more than that.

I think our income,

I'm trying to rapidly work out what that is in my head, but it would be...

..It's probably round about 60,000 for me and 40,000 for Shirley.

-So you're up to about £140,000 gross a year.

-Yes.

-Mmm.

And that well exceeds what we earned in our ordinary lives and jobs.

It well exceeds.

And here's a big one! Way!

David and Shirley now have much more free time to spend with their grandchildren.

And they also make a point of keeping up to date with their wealth studies.

What's your bedside reading at the moment, both of you, specifically?

I've got one called The Way Forward.

And I'm two books ahead of David, there's a series of eight books on there.

-Are they all called The Way Forward?

-Yes. They've got different...

What volume of The Way Forward are you reading?

-I'm on volume six.

-And I'm on four.

So you know the way forward more than David?

And what is the way forward?

It's up to you what you make of your life.

If you're happy with your life

and quite content with where you are, there's nothing wrong with that.

Don't let anybody who thinks that everybody should be moving forward tell you otherwise.

Because if everybody wanted to do what we do,

the world would be very unbalanced.

And we need the people who don't want to go out to work

and want to just live and be DSS tenants,

because otherwise we wouldn't have those tenants in our properties.

# Oh, every time I close my eyes

# What do you see, what do you see?

# I see my name in shining lights

# Uh-huh, uh-huh, and what else?

# Yeah, a different city every night

# I swear, the world better prepare

# For when I'm a billionaire...

# Yeah! Oh, oh...

I wake up at 5:45.

And what time do you go into work, do you leave?

I leave the house at seven o'clock.

-What do you do for that hour and a quarter?

-I do my wealth conditioning.

I'm an excellent money manager, I'm an excellent money manager,

I'm an excellent money manager. I have a millionaire mind.

I am a millionaire.

I am a millionaire.

I am a millionaire.

And I rub my earlobes. I am financially free.

I am financially free.

-When you've done all of that, Janice, is there time for breakfast?

-Oh, yes.

-What do you normally have for breakfast?

-Breakfast is usually cereal.

-What cereal do you like?

-Rice Crispies.

My goal is to have £300 in passive income.

-A month?

-A month.

-A month.

-OK.

So you're trying to get £300 a month coming in each, by when?

-By September, October.

-September or October. October for me.

-And the next target would be, 1,500 each?

-1,500 each.

-Yes.

-When are you aiming to achieve that?

-In two years.

-In two years, yes.

-Do you want to be millionaires?

-Yes.

-When's that going to happen?

-I would like to think...

-Before we're 30.

-Before we're 30.

-Yes.

-What offer do you want to make?

-Offer...

-Come on, be bold, what offer do you want to make?

-I think we should come at 260.

-260.

-OK.

Sarah and Rhys have already managed to make £500,

putting into practice some of their newly-acquired wealth skills.

However, they're currently £2,000 in debt.

Money they've spent on seminars and courses

and on a £1,500 mentorship, offered to them by two wealth trainers.

Your objective is to research the market,

identify exactly the right properties for those investors,

then you will pass the investor through to the estate agent. Does that make sense?

We're property investors, entrepreneurs and coaches and mentors.

-So we both invest in property, we have done for almost a decade now.

-Yes.

-Together.

-Tell me how many properties you have.

-Currently we have around 100 properties.

Do your properties generate enough revenue

that you don't have to work if you don't want to?

-Absolutely right, yes.

-You're both financially free?

-Correct.

-We are.

What were you both doing for a living before you got into property?

I was running a restaurant.

Because of my family background, I used to run an Indian restaurant.

And I was a consultant civil engineer.

Rohan and Raj have come to South London for the day,

to coach Sarah and Rhys

in how to get started in the property business.

-Hey.

-Hi there.

-Hi.

Rhys and this is my partner, Sarah.

-Nice to meet you. Hello.

-These are our business partners and mentors.

-Nice to meet you. I'm Rohan.

-I'm Raj.

-Hi there, Raj.

-We'd just like to have a bit of a chat.

-OK, do you want to take a seat?

-We're looking to buy quite a lot of properties in this area.

-OK.

We're working with professional investors

-that we work with, a joint venture.

-OK.

-We find properties for them.

-Yes.

-These are cash-rich investors who don't have a lot of time.

-OK.

And we're just trying to get an understanding of the area.

There's not a very big garden.

No, it's a small garden but it would be great for tenants if they want to have a barbecue,

-or, you know, hang out.

-Was it a bit neglected before?

Sometimes gardens are underused.

You've got the garage over there that comes with the property

which as you can see would need some work doing,

or could be rented out separately to increas your income slightly more.

Right. So...

What sort of income do you reckon you could get?

-You normally get between 50 and £60 a month on the garage.

-OK. That's interesting.

You know what impressed me about the both of you?

-You quickly developed rapport.

-Yes.

You took time to talk not just about the property, I heard you asking a question about a daughter.

Little things like that make a difference. One thing for you I think was great,

you asked some great questions. Do what you just did there, smile. A little bit more smiling.

I know what it's like, you're asking questions, have I asked the right question?

Just that tiny warm smile,

-just makes a little bit more difference.

-Yes.

-Have you ever heard Robert Kiyosaki speak before?

-No.

-I have never heard him before. This will be the first time.

-Are you excited?

Yes, very much so. Looking forward to it.

You're here for all three days?

-Are you excited?

-Yes.

-Very excited.

I have been wanting to see him since I read that book.

Can you tell me what is in your carrier bag?

It is food for the weekend.

Cos apparently food there is quite expensive.

-I have got some rolls and apples and chewing gum.

-Some jumbo peanuts. For energy.

-Janice, what are you doing here?

-I have been setting up for the event.

-I have been helping to organise everything for today.

-How come you're doing that?

-Why are you not at work?

-I decided to volunteer myself today.

I have got the day off work and I'll be here all weekend.

And have you ever heard Robert Kiyosaki before?

I have never heard him live before but I have read his books.

-And are you excited about hearing him?

-I can't wait.

And what would you say to him if you met him?

If I met him I would say to him that he has inspired so many people

and I would like to thank him, really, for what he has done for us.

-Do you think you might meet your future husband here?

-Possibly!

-That would be nice!

-Have you spotted any fit men yet?

-A few.

But I have to stay focused!

Robert Kiyosaki, when I was right down in the dumps,

was one of the major books that I read, Rich Dad Poor Dad,

and I just could not believe it. It is so obvious, when you read it!

I read it and it was one of the major influences on my life.

I read the book Rich Dad Poor Dad by Robert Kiyosaki

and it changed the way I thought about my financial freedom

and what I'm going to do after I finish university.

-So you are at university at the moment?

-Yes I am.

-What are you studying?

-English literature.

-And when did you read the book?

It was at the end of last year that I read it.

-And is your goal to be financially free?

-Oh yes. Oh yes.

And to be a millionaire.

-And how long are you giving yourself to achieve that?

-Three years.

'Ladies and gentlemen,'

all the way from Phoenix, Arizona,

please stand up and put your hands together for Mr Robert Kiyosaki!

DRAMATIC MUSIC

Wow.

Wow.

Wow.

Wow.

Thank you, thank you, thank you, thank you. Thank you.

We are honoured, thank you. Thank you. Thank you.

Please take your seats, thank you. Thank you.

How many people have read Rich Dad Poor Dad? Wow.

Most of you. Has anybody not read the book?

Oh, thank God, there are a few more customers out there.

What you are going to learn today is that it's very, very, very,

very simple.

But you have to have the right financial education.

We are going back to feudal times.

When you had the rich and you had the peasants.

So, one of the reasons I created the Rich Dad company was very simply

because I could see this crisis coming.

Now, the good news is, I have never made so much money!

As you guys know, you can make money going up,

and make more money coming down.

Robert and Kim Kiyosaki live in Phoenix in Arizona,

where they have based the headquarters of their Rich Dad company.

I am the Rich Dad company. Welcome to my world.

A world of possibilities, a world of learning. I am the Rich Dad company

and my mission on this earth is to elevate the financial well-being of humanity.

-Robert, how old are you?

-I'm 63.

-And Kim, are we allowed to ask how old you are?

Yes, I'm 53.

-How did you two meet?

-It was in a bar in Honolulu.

It was TGI Friday's.

I was happily single and she was happily single

and I saw this great pair of legs and I went, "Holy moly".

It was lust at first sight.

But then she wouldn't go out with me for about six months.

And I just kept asking and kept asking and kept asking and finally

one night she said yes. And we have been together ever since.

We are a good team.

I know she didn't marry me for my money

because when we met in 1984 I had zero.

Right now, she has 3,000 apartment units.

And we just bought a golf course around this hotel. And the hotel.

And five more golf courses.

And we have struck oil three times this year. So we are doing very well.

Of course, a considerable part of Robert's wealth

also comes from teaching other people how to get rich.

In 1997, he published his book Rich Dad Poor Dad,

which went on to sell over 28 million copies worldwide.

The book is a parable about Robert's two so-called dads,

one, his actual father, who believed in studying hard at school and getting a good job,

and the other a family friend, whose emphasis was purely on making money.

I did have two dads - one was a socialist

and one was a capitalist, a classic story.

But I decided I would rather be a capitalist.

Assets put money in your pocket whether you work or not

and liabilities take money from your pocket.

We're not saying do real estate, oil or whatever, it is just know an asset from a liability.

So if I had a car and I rented it out as a cab, it would be an asset.

But if I drive my car, it is a liability.

So we have a big house right now, but this house is a liability, it is not an asset.

We have beautiful cars, they are not assets, they are liabilities.

So all of the cash flow from our assets

pay for all of our liabilities.

Which is a rule we have. When I want a new toy, because I am toy king...

I came back yesterday and said I had ordered a new Ferrari.

Well, she knows and I know I have to go and create an asset that is

going to be for the Ferrari, because she is not going to pay for it.

So the rules are, assets buy liabilities.

People say, "I want to be rich." The question is, are you willing to do what it takes?

The last time I saw you was at the Excel Centre. How was that?

-It was quite good. I enjoyed it.

-What did you learn from Robert Kiyosaki?

He is a lot taller and a bit bigger than I thought he was. He has got a presence.

Tell me what significant things have happened.

-I told my parents about it.

-How did you put it to them?

What did you say you were going to do?

I told them that I was not going to go to university this year

or next year, that I was going to go into entrepreneurship.

Did you explain in detail or more in general?

I explained it in general. I did go into detail at one point,

I think I lost them a little bit.

Your mum's reaction was what? That she wants you to go to university?

She still wants me to go to university. I think she thinks it's not going to work.

Have you made any money since I last saw you?

We haven't really been focusing on making the money as much since we last spoke.

We have been focusing on planning and getting all the planning done.

How do you feel when you see other people are maybe going travelling or going to university?

it doesn't really matter that much, I think, because, in the long run,

I know that I am going to be able to go travelling whenever I want.

I flunked Spanish, I flunked French and I flunked Japanese

and I flunked English twice.

The idea of "Go to school and get a job" is probably the most

destructive thought in your brain today.

That is really the core of the Rich Dad message.

Tell me at what age you both became financially free

and retired, effectively.

That was 1994. She was 37 and I was 47. It took us 10 years.

We had all these people coming to us because we had retired, asking us how we did it.

We thought instead of us travelling all over the world

talking about what we did, we both love to play games.

And so Robert had this vision in his head of what this game would

look like, so we sat down and we started putting together

the Cash Flow game, based on what we did to get out of the rat race.

The Kiyosakis now sell their Cash Flow boardgame

and people are encouraged to play it as part of their programme

of financial education.

The game is actually doing the work that we don't have to do now.

It just travels. It is all over the world.

In Estonia, Poland, Czech Republic and Germany,

and there are Cash Flow clubs all over China and Japan, Australia and New Zealand.

We're setting up the boardgame. We've got the different cards and the money.

We shuffle these and everyone gets a profession card.

They had to pick them without knowing what profession they are.

You have things from mechanic right through to an airline pilot.

The lower paid ones like the janitor, they have lower income

but they have lower expenses as well, and the airline pilot has

really high income but their expenses are through the roof as well.

So even someone like the mechanic can get out the rat race faster

than the airline pilot.

-Are you good at it?

-I love it, yes.

-Are you good at it in real life?

Um, well... In real life, that is a good question!

The instructor of the Cash Flow game, Niki, lives in New Romney in Kent.

She's married to a plumber and has two children.

The very first book I read on self-development, or looking beyond what is,

was by Betty Shine, and she was a medium.

And then You Can Heal Your Life by Louise Hay had a huge impact on me.

-When was this?

-Louise Hay was around 1999, I think.

-So this all started about 10 or 11 years ago?

-Yeah. Yeah.

What was happening ten,

eleven years ago that made you turn to these kinds of books, Niki?

SHE SIGHS

My nephew was diagnosed with cancer.

And that's why I started reading Betty Shine,

looking for alternatives to...

because it was inoperable brain tumour.

So we were looking for any kind of alternatives,

any kind of possibilities.

And that's when I started reading Betty Shine

and that's what led me to read You Can Heal Your Life.

And he died in June '99.

Can you just describe how things developed from there,

in terms of any courses that you went on or the direction

that your reading took you?

Well, I think,

then I discovered Robert Allen's Multiple Streams Of Income,

cos I loved the idea of multiple streams of income without being reliant on

one linear income where you only get paid for every hour that you work.

You've got to explain to me, Niki,

because on the one hand, it was all about healing and being quite spiritual

and then the next minute, it's all about how you can make

as much money as you possibly can in the quickest amount of time,

which may or may not be spiritual,

but it sounds like something quite different.

Well, I was just going to say, you know,

just because you have money, it doesn't mean you can't be spiritual.

And, I mean, money's passive. It doesn't come with emotions.

Money is just a tool. And it's up to us how we use it.

# Money, I could buy me all the things I want to buy

# Anything that took a fancy to my eye

# Money, how I love the feel of money in my hand... #

-How much do you get paid here?

-When I was...

Before I was 18, it was £4.62 an hour,

which is just over minimum wage.

Now I've turned 18, I think it's about £5.68, £5.60-something an hour.

When you're a successful entrepreneur,

do you imagine this is the only job you'll ever have had as an employee?

I'll be happy when people say,

"Oh, what was the big job that gave you all the money?"

I'll say, "I worked in Homebase until I was 18." And then...

I'd be quite happy and proud to say that.

-So you imagine you'll only ever work for yourself after this?

-Yep.

And, Rhys, do you think that you've got what it takes

to be a successful entrepreneur?

-Yep. Definitely.

-What do you think it takes?

I don't think it takes...

All it takes is a bit of confidence in yourself.

A lot of confidence in yourself and the right knowledge.

But the knowledge is available everywhere.

And you've got to have the right mindset to, you know,

pick up the knowledge and act on it.

But anyone could do it, I think.

Do you ever freak out,

Rhys, about the fact that the money isn't coming in?

No, not really, cos I know it's going to come in.

If I sat there and worried about not having enough money,

then the universe wouldn't give me a lot.

But if you just keep saying to yourself,

"I know it's going to come in, so it's fine."

What's that little cheque down by the bath there?

This is my cheque looking at me. I am a milionairess.

One, zero, zero, zero, zero, zero, zero.

-So that's a cheque for £1 million?

-That's right. It's addressed to me.

-Pay Janice Geddes the sum of £1 million.

-And who wrote that cheque?

I wrote it to myself.

It says, "Thank you. A gift from the universe."

What happens if you took that to the bank, Janice?

You'd get done for fraud!

I am an excellent money manager. I always pay myself first.

I always pay myself first. I always pay myself first.

I put money into my financial freedom fund every single day.

Kerching! Kerching! Kerching!

Why are you saying kerching, Janice?

It just reinforces that thing and it makes you prosperous.

You're doing that action every day.

It's important to do it every day.

It's not just today. Tomorrow, I'll be doing it again.

I work because I choose to, not because I have to.

I have a millionaire mind!

My name is T. Harv Eker. Welcome of The Millionaire Mind Intensive.

Curiously enough, T Harv Eker also lives in Phoenix, Arizona.

His parents were penniless Polish immigrants, but he is now

the best-selling author of a book called Secrets Of The Millionaire Mind.

I'm a multi-multi millionaire, and you can say

multi for a couple of minutes, so I'm doing pretty well.

I guess I'm known as a cross between Donald Trump and the Buddha.

The basic philosophy of what I teach is that you can be kind,

generous, loving, balanced, have a wonderful family life,

healthy, very spiritual, and get really, really, really rich.

Nice way to live.

I have a lot of real estate, I have a lot of stock positions,

I have ATM machines, I have all kinds of things of that nature, too.

What do you mean, you own ATM machines?

-I own ATM machines, yes.

-Do you own the bank?!

-No, no.

In North America, ATM machines can be owned by individual investors.

I probably make about...

On a 2 charge, I might make 20 cents.

But if I have a lot of machines, that works out pretty nicely.

Turn to somebody, look them in the eye,

give them a high five and say, "You have a millionaire mind."

Harv preaches that getting rich is all about having the right mindset.

Whilst the Kiyosakis emphasised the need to get yourself a financial education,

Harv believes you can only be successful

if you have self-belief and the right mental attitude.

You can actually have two people sitting in the same room,

learning exactly the same principles and strategies,

and one person will take these tools and they will skyrocket to success.

But what do you think will happen to the person maybe sitting right beside them?

Yeah, not a heck of a lot.

And I realised right there,

you can actually have the greatest tools in the world, but if you have

just a tiny leak in the toolbox, then we have a little problem.

So I began designing programmes based on the inner game. What game?

-ALL: The inner game.

-The inner game of money success.

When we blend and combine the inner game with the outer tools,

virtually everybody's results went through the roof. Good or good?

What did you two learn from T Harv Eker?

I learned a lot about breaking through fears and acting

and stuff, because you do one exercise where you have an arrow -

like, an actual arrow.

You put it in the little soft part, the point in there.

If you just push straight into it, the natural fear, obviously,

is it's going to go through your throat.

But it doesn't. There's no way it's going to break through your skin.

It just breaks.

And that's to symbolise breaking through your fear.

And what is the lesson you're meant to draw from that, do you think?

That...the fear is doing something.

It's a lot worse than what you're scared of.

ALL: Money comes easily to me. Money comes easily to me.

To change people's mindset, Harv gives them a programme of daily exercises

that will reinforce their new monkey-making attitude.

What this does is this methodology integrates the left and right sides of the brain

and creates whole-brain learning,

which then drives the conditioning deep into the subconscious.

This is all reinforcing, "I am a millionaire. I am a millionaire.

"I am a millionaire. I am a millionaire. I am a millionaire."

Are these ideas from neurology or...

-Yes, they're definitely...

-..Buddhism, or...

Definitely scientific neurological pathway changes.

All energy, as Einstein said, affects all other energy.

This is all scientific.

I am an excellent money manager.

I am an excellent... Really feel it! I am an excellent money manager.

I am an excellent money manager. Eyes are open. Cross crawls.

Looking downwards. I am an excellent money manager. Kinaesthetic.

I am an excellent money manager.

Eyes are down. I am an excellent money manager.

I am an excellent money manager. I am an excellent money manager.

One more time, really loud.

ALL: I AM AN EXCELLENT MONEY MANAGER!

Give someone a high five and say, "You have a millionaire mind!"

CHAOS

Are you met with scepticism in the UK?

I'm met with some scepticism everywhere, but that's OK,

because I think that's a healthy thing.

One of the first things I tell people when I get on stage is,

"Don't believe a word I say."

-Now, why would I suggest that?

-I don't know!

Because whose experience can I come from? Just my experience.

All I can let you know is that the principles that you're learning

totally transformed my life and have now transformed

the lives of hundreds of thousands of other people.

If you learn them and, more importantly, you use them,

I believe you can transform your life, too.

Good morning, ladies and gentlemen.

I'm going to introduce to you Mr Marcus de Maria.

Please put your hands together, thank you!

APPLAUSE

-Hello! Hello!

-Say hello to Daddy.

Marcus and his wife Madrika have put both Harv's

and Robert's teachings into practice and are now millionaires.

Marcus is a wealth coach and entrepreneur and together,

the couple run their own seminar business.

-What are the courses that you run?

-I run...mainly two things, really.

One is a stock market course for beginners.

And then there's the mindset and psychology one.

We call that The Wealth Workout at the moment,

which is more about the mindset and psychology of finances.

Who's ready to start creating wealth? Who's ready?

OK, everybody please then stand up!

And...rush to the back of the room!

Go!

So you've drawn on all these American teachings.

Mainly, I think, yeah.

And translated that for a UK market -

-is that what you've done?

-Yes. Yeah. That's exactly what I've done. Yeah.

Cos you still need to work when you're retired, but...

Oh, you're laughing. It's worse for you, don't worry.

If you learn the principles of trading and you teach people

when to buy and when to sell...

Groan, aah!

..how does it help to do the funny exercises?

Is that really necessary?

'You don't have to do anything,'

it's just that, you know,

it helps so many different people.

Why don't you try it out and see whether it works for you.

'It's very, very powerful.'

So go ahead now and with your empowering belief

mixed with certainty, wealth and belief in yourself,

in your right hand,

start pouring it from the right hand

into your left palm.

Just start pouring it in, pouring it in, pouring it in

and faster and faster,

and harder and harder and harder and harder,

and faster and cascading, you can see it

filling up the left palm,

totally overwhelming whatever is in it,

dripping down,

it's like an avalanche now.

Absolutely overwhelming what's in it!

Now go ahead and clap your hands together.

I want you to see, hear and feel

your new empowering belief,

mixed with your old limiting belief,

every time you clap.

# I've got some magic in me

# Every time I touch that track

# It turns into gold

# Everybody knows I've got the magic in me

# When I hit the flow

# The girls come snappin' at me... #

Do you enjoy spending money?

Is there anything you deny yourselves?

Not me!

He spends a whole lot more than I do!

-People think she's a shopper. I'm the shopper!

-I'm not a shopper!

Well, you see my Ford pick-up truck, my Bentley.

My Ferrari, my Lamborghini

and that's Kim's Lamborghini, so...

I have one...he has four!

That's the way it goes, I love cars.

I love trucks.

-Are you a good driver, Robert?

-No.

Do you know a lot about cars?

No.

I bought a nice, flashy car about three years ago

and every time I drove it I thought,

"I'm driving around in the deposit for a property here."

A car doesn't put money in your pocket,

it takes it out of your pocket.

Some people will think, "Oh, I've got the wind in my hair

"and this is really good fun."

Well, I had that and it was fun at the time,

but there is a tendency to think that,

"if I have this flashy thing or this flashy that,

"then it will make me happy."

It's easy for me to say that,

sitting in this gorgeous surrounding, isn't it?

People will say, "You've got all the trappings,

"it's fine for you.

"You've the jewellery, the house, the car,"

but those things are not as important

as being able to have the freedom

to actually buy those things in the first place.

You lost me there.

Having those things isn't as important

as having the freedom to buy them?

Exactly,

or the freedom to do anything else that you want.

RHYTHM AND BLUES RIFF

Maria does spend money supporting her husband Stuart,

who is a musician.

Explain, Stuart what your contribution is,

financial or otherwise.

Um...well...

I bring in what I bring in.

I just put it in the pot, I suppose. It's non-specific, really.

I feel I contribute what I do and...

As I say, it's not so much about the pounds and pence for me personally,

it's more about what I do,

and how I do it.

So do you...think about money much, Stuart?

Um...

I don't suppose I do in a conventional sense.

And Stuart, are you interested in Maria's spreadsheets?

Absolutely not, no.

Maria is very skilful with figures.

I mean, I'm not going to pretend I am.

So you both do what you're good at?

I think so.

I can't play the guitar, at all!

# Head, shoulders, knees and toes, knees and toes

# Eyes and ears and mouth and nose

# Head, shoulders... #

Yeah!

Yey!

Good girl.

Do you like spending money, Marcus?

Um, no.

I don't really even know how to spend money.

If I go shopping, I'll just go, "Well, I don't really need it.

"I don't need it, I don't need it, I don't really need it."

I don't need anything.

There is a paradox, Marcus,

that you are very interested in accumulating wealth

and becoming wealthy

and you teach others how to become wealthy...

-Yeah.

-..but you don't have anything you want to spend money on.

That's great, isn't it?

That means I'm totally happy because I have everything that I want.

Do I just want money for the sake of money?

Absolutely not.

What do you want it for?

To give other people the chance that was given to me.

-To make money?

-Yeah.

What do you buy for yourselves?

I suppose we don't spend a lot on ourselves because we don't need to.

We've been married for 33 years, we've got everything we want.

Do you know percentage-wise how much of your money you give away?

I don't know the exact amount.

Probably we'd be looking at something like

between 10 and 15% in total.

-Is that to charity, to your church, or...?

-To both.

-Both.

Do you feel that you are doing as much good for the world now

as you were when you were in caring professions?

Probably more.

I'm very much a people person - it's a cliche and I hate it -

but my whole nursing career

I've spent on the community

cos I like working with people in their own homes.

What I do now is not nursing as such but it's still caring for people.

That hasn't stopped just because I'm not a nurse any more.

I just care for them in a different sort of way.

We're in a situation at the moment in the world,

where a lot of people can't get a mortgage

and as property investors

we have the knowledge and the know-how to be able to help

give them the right sort of accommodation.

ORGAN PLAYS

# Praise the Lord

# Praise the Lord

# Let the earth hear His voice

# Praise the Lord

# Praise the Lord

# Let the people rejoice

# O, come to the Father

# Through Jesus the Son

# And give Him the glory

# Great things He has done. #

Have you ever worked out how much you've spent on courses?

Hmm...

um...

..Hmm.

I think if you factor in...

..the staying in a hotel, the travelling -

one of the courses was in the Bahamas, which was pretty fabulous -

I reckon it's got to be around the £50,000 mark.

How did you pay for all of that, Niki?

I got an inheritance.

It was a lot of money for us and I had no idea what to do with it.

So, we spent a lot of money.

When the inheritance ran out,

I had credit cards, so, um...

-You carried on?

-Yes!

We got to the brink of bankruptcy and...

..nearly lost our home,

nearly lost it all,

but we're now coming back from that

and...yeah.

How long ago was that, Niki?

This year.

It sounds as though you are actually worse off

than you were

before you went on all your courses.

Well...not really, because I have the knowledge now.

I have the personal knowledge of how to make money,

I also have a financial strategy.

How much money do you want?

I want seven million.

Does that come with a time frame, you know, when you want it?

Seven million's a five to ten year plan.

Look me in the eye, Niki,

and tell me - is that a realistic goal?

Um...I think so.

How much money have you got, either of you at the moment?

In the bank?

In the bank...

..about £70?

You've got £70, and how much do you owe?

£4,500.

Rhys, you're a bit better off,

you've got £200 coming in from Homebase a month.

Yep.

What's the state of your bank balance?

How d'you mean?

At the moment, I've still got £200 in there,

cos I haven't paid this month's rent,

but once that goes out I think I'll have about £15.

What are your debts?

What are my debts? I owe almost £500 on credit cards.

You said to me your goals were to be millionaires by the age of 30

and to buy a property within one year of leaving school.

You left four months ago, you've got eight months to go to achieve that.

-Are you on track?

-BOTH:

-Yes.

-Definitely.

Even though you haven't made any money at all

since I last spoke to you?

I don't think you can measure how we've grown in a financial sense...

Yeah.

..because it's not about the money, it's about the mindset.

We've both changed so much

that we know we could go out and make a lot of money.

Sometimes we take two steps forward and then we go one step back

but the whole point is we're always progressing

and fair enough - you haven't seen it in our bank balance -

but in there, it's growing.

Can everyone be rich?

Can everyone or anyone...

what's the difference between everyone and anyone?

I think anyone who wants to be and continues doing the things

that they should be doing in order to become wealthy can, yes.

Can anyone be a millionaire?

Can anyone be a millionaire? I think so.

If they want it and they get the right help and support,

mentoring, absolutely, yes.

Yeah, absolutely 100%.

Are you feeling optimistic about your financial future, Janice?

The financial future, yeah, I'm on top of it.

I just feel like this is happening for me.

Do you ever have days where you feel less optimistic?

There is some days where I feel peed-off

and I get up in the morning, quite honestly and I say,

"I just want to be able to stay in my bed if I want to stay in my bed."

I'm not financially free yet so I have to get out of the bed!

# Who wants to be a millionaire?

# I don't

# Have flashy flunkies everywhere?

# I don't

# Who wants the bother of a country estate?

# A country estate?

# Is something I'd hate

# Who wants to wallow in champagne?

# I don't

# Who wants a supersonic plane?

# I don't

# Who wants a private landing field too?

# I don't

# And I don't, cos all I want is you

# Who wants an opera box, I'll bet?

# I don't

# And sleep through Wagner at the Met?

# I don't

# Who wants to corner Cartiers too?

# I don't

# And I don't...

# Cos all I want is you. #

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