Let me tell you something. Most of the population of the world is worried about one thing - money. More correctly, they are worried about LACK of money.

Here is a simple formula:

Earn $100 and spend $101 and you are in trouble.

Earn $100 and spend $99 and you are not in trouble.

That $2 makes a world of difference.

The problem with most people is that they do not earn enough money to fund their lifestyle. That is a lifestyle fuelled by slick marketing campaigns that implore you to have now and pay later. The trouble comes when the credit period runs out and the mounting debt must be paid.

So many people waste money on take-away food, alcohol, cigarettes, snazzy-looking motor vehicles, the latest cell phones, (dare I say it? yes I will) drugs and sex. These are all the things that will make you poor and keep you poor. Indulging in any of these will almost certainly confine you to a life of lack. This is the miserable life of the poor money manager.

The wise money managers invest. They invest in property, property trusts, blue chip shares, quality assets, businesses and desirable collectable items. They always have money because their assets create money for them.

In summary, if you are forever exchanging your time for money you will never be wealthy. If you leverage your time and allow assets to create money you will become wealthy. Change your mindset and you will change your outcomes.

This article comes with reprint rights providing no changes are made and the resource box below accompanies it.

Gary Simpson

Gary Simpson lives in Perth, Western Australia.

His passions are writing (of course), reading, karate, body building, investment and growing tropical palms.

His website is devoted to helping people achieve greater success and self esteem through personal development.

Gary is a regular contributor to numerous magazines and newspapers. His articles and short stories appear in many forums. Thanks to the wonders of the internet, they are now being shared worldwide.

He has written eight books:

LARGE VOLUMES:

- "Journey,Life and Destiny" - personal development (2 vols)

- "How to Save $1000's and Increase Your Personal Net Wealth"

- "Brain Training - Affirmations to Strengthen Mind and Body"

- "Strike Back 1" - Self Defence Instruction Manual

- "Strike Back 2" - Self Defence Instruction Manual

SHORT VOLUMES:

- "The Power of Choice" (FREE e-book) - a popular story about a man looking back on his achievements from the hereafter. It is a poignant story that has received accolades from all over the world - from Iceland to Canada to Great Britain to Morocco to New Zealand to the Czech Republic to the USA - and dozens of countries in between.

The Power of Choice is a free resource and can be downloaded directly from Gary's website.

- "Using Motivation and Self Esteem to Excel in Everything You Do" (FREE e-book) - valuable resource to introduce newcomers to the wonders of personal development. This book is available on request. You can secure your copy by leaving your name and email address (no "hotmail" addresses accepted) at his Motivation & Self Esteem for Success website.

Gary's unique approach has been shaped by his 35 year pursuit of karate and his 15 year study of the principles of motivation. He has two personal mottos. These are:

"Excellence of Execution."

and

"Imagination is Infinite."

You can learn a great deal about all matters regarding motivation and self esteem at his website. You will find articles, interviews with achievers, motivational messages and other material. You can even opt to receive free material by visiting the "zenspiration" page.

The Motivation and Self Esteem for Success website was constructed by Linda Caroll who Gary has called the "Kyoshi of Website Design" (In karate terminology Kyoshi means "Polished Master"). Visit Gary's website to see for yourself.