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MILLIONAIRE AT 22 Achieve Success, Live With Happiness, Enjoy the Good Life 1st Edition Cebu City, Philippines Cover Photographer: RV Mitra Cover Design: Joannah Jane Sy Copy Drawing/ Illustrator: Joseph Gie Sabello Copy Editors: Teofilo Mari Bacalso, Kurt Joseph Moring All rights reserved. No part of this book may be reproduced or transmitted in any form whatsoever, electronic, or mechanical, including photocopying, recording, or by any informational storage or retrieval system without the expressed written, dated and signed permission from the author. ©2018 FIBO LIM

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Table of Contents Preface

7

Introduction

17

Lesson 1: Why You Will Never Get Rich

31

Lesson 2: Why You Should Be Selfish

39

Lesson 3: Miracles Just Don’t Happen

45

Lesson 4: Investing Your Money Is Bad

51

Lesson 5: Business Is Not About Being Rich

57

Lesson 6: Why the Law of Attraction Is Useless

65

Lesson 7: Starting Many Businesses Will

69

Make You Bankrupt Lesson 8: I Want You to Fail

75

Epilogue

83

About The Author

87

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This book is dedicated to my hardworking father, Noel Orlain Lim, and to my ever supportive mother, Jacqueline Angelica Lopez-Lim. Thank you so much for everything. I will always love you.

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Preface

What’s Your Excuse? Earning your first million is simple. If

you

can

set

aside

P100,000 a month for 10 months, you will be a millionaire. But guess what? Yes, I hear you. “I’m not even earning P100,000 per month!” And that is the reason why most people will never become successful. Instead of looking for ways on how to increase our earning potential, we look for excuses telling ourselves why we can’t do it.

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My Online Marketing Story After earning my first million, many of my friends were surprised that I was able to earn that much when I’m always wearing my boxers. Since online marketing is my passion, I was glad to have taught that to them. I taught them step-by-step. I told them that online marketing is very simple. Here's my formula: Find out how you can give value to other people with your passion. And that's it! That’s the first thing to consider. The second one is learning how online marketing works, and that's where I come in. I teach it to them. But sad to say, only 1% of the people I taught did it, and it confuses me. But then I have a friend, let's just call him Leo. He worked as a farmer.

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He neither had a laptop nor a WiFi connection. He was doing online marketing through mobile phone and mobile data. To my amazement, despite being in that situation, he was able to earn his first million within a year. Through his hard work and perseverance, he was able to see the fruits of his labor by being able to buy his own laptop, have a WiFi connection set up and eventually, his own dream home. That's when I realized that a lot of people aren't successful NOT because they don't know how, but they just don’t do it. Even if you teach them what to do and how to do it, these people still will not do it. Why? The Number One Reason Why People Don’t Achieve their Dreams It is because of “this and that”, “what if's” and a lot of objections and justifications. In short, these are what we call EXCUSES. ________________________________________________________________________________________________________________________________________________________________________

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After being able to break through my personal challenges, struggles and failures, I realized a framework lessons that are not taught in school. The lessons that are not taught in our traditional education system and are not even taught by our elders. And after achieving my dreams and goals, I heard sentiments from people like: “Because I stopped chasing it. I’ve been running out of motivation and determination. Parang hindi ko na siya kaya. Hindi ko na maimagine yung sarili ko na maging successful.” “I haven't achieved my dreams yet because my

dream

is

so

mailap.

Hahaha.

Ayaw

ata

ng

dreams ko sa akin kaya d ko siya ma-achieve.”

“I haven’t done enough to achieve them. Pero I think and believe na kung para sa iyo yung pangarap mo, makukuha mo ito in a right way and with the help of God. So I think that waiting pa yung dreams ko para sa akin.” ________________________________________________________________________________________________________________________________________________________________________

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Others were saying: -

I don’t know where to start.

-

Because I’m still young

-

Simply because I don’t have money as a capital

-

I prioritize love over money

And a lot more! All of which may seem valid at first but are actually just excuses and/or objections as to why they couldn’t do it. I understood how they felt and it broke my heart. Why? Because some of these excuses were also mine. These were some of my own personal objections before as to why I couldn’t do it. I used to think… “I can’t do it because I’m too young.” “I can’t do it because no one will believe me.” “I can’t do it because I’m too shy.” “I can’t do it because I don’t have the money.” ________________________________________________________________________________________________________________________________________________________________________

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“I can’t do it because internet is slow in the Philippines.” “I can’t do it because my parents have a different perspective.” Thus, the Purpose of this Book Henry Ford, the inventor of automotives, said, “Whether you think you can or think you can’t, you’re right.” What he’s trying to say is, you are the one defining your own limitations. You are responsible for putting a ceiling to what you are capable of. You can have all these objections, but I want you to be able to see that your own potential is bigger than that. When I made the commitment to do whatever it takes to achieve my dreams, despite the obstacles that were set by my own thoughts and by other people, This is what I have become...

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I am now earning a good amount of money. I am able to support my parents and myself. I am able to spend quality time with my friends and the people I love. I am able to allocate a budget for improving and maintaining good health. I am able to travel anywhere in the world without worry. I am now able to spend time on the things I always wanted to do before. I am now able to buy the things that I want without worrying about the budget. I am able to grow my company and help impact people's lives. But most importantly, I am happy, I am able to appreciate everything, and I am enjoying every single step of the journey. “And if I can do it, you can do it too!”

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You just need that little shift in your mindset and overcome those excuses. In this book, I want to show you that anything is possible. Your dreams are achievable. And that you are one step away from achieving your goals. Let me be clear though... What This Book Is NOT About Even though the title of the book is Millionaire at 22, this is not only about earning your first million. I am not saying to earn it on or before the age of 22.

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NO it is not. This is about the journey that I’ve been through. The excuses, the goals, the lessons and the mindset shifts I needed to achieve my dreams. This is about how YOU can avoid the failures and how YOU can achieve the same success as I did. In general, this book is about success. Breaking through your struggles in life. Breaking through the objections and excuses that is hindering you from achieving your desired life. So what’s your excuse? Let’s break through it!

Your #1 Fan,

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Introduction

The Millionaire At 22 Move fast and break things. Unless you are breaking stuff, you are not moving fast enough. -Mark Zuckerberg

Do you remember those little toy soldiers in Toy Story? I used to sell them when I was still a kid. (Nope, they don't move like the ones in the movie.) One pack of those toy soldiers costs around P50 and each pack contains 20 pieces. After I played and eventually got bored, I sold each piece for P1. Selling all of them gives me P20. I was at a loss. ________________________________________________________________________________________________________________________________________________________________________

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I thought that if I was getting money, I was earning a profit. Then I realized, I still had to deduct my cost. Too bad for me :/ As I grew up, I found another business opportunity. Do you remember those cheap junk food called Lumpia Shanghai? One small pack contains 3 pieces, and it only costs P1. Do you know how much I sold them for? P5 each! How did I do it? I told them that each Lumpia Shanghai in the pack is valued at P1. That makes the whole pack P3 in value since it contained 3 pieces of Lumpia Shanghai right? The P2 is what I use for the jeepney fare to get them from the store. That makes the total P5. After selling my first Lumpia Shanghai, I brought more the following day. ________________________________________________________________________________________________________________________________________________________________________

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After a month, I was able to sell more and more Lumpia Shanghai packs. Please do note that I bring 2 bags in school. One bag is full of Lumpia Shanghai. The other bag is half filled with books and the other half (you guessed it right!) - Lumpia Shanghai. My First Partnership As my mini business grew, I expanded and started hiring people. I was an introvert growing up. I only talked to my close friends and chosen classmates. I am also not that talkative. Since my mini business started to grow from Lumpia Shanghai to a mini sari-sari store, I partnered with the most talkative ones of my classmates. I had all kinds of food and candies. I upgraded from 2 backpacks to a stroller bag. My deal with my partner was:

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"I'll give you any food or candy you want, as long as you will be the one who will sell all these food." It was a dream partnership! Unfortunately, after a few weeks, my partner didn’t feel like doing it anymore. That being said, my business came to a halt. I thought that the business life wasn’t for me, so I stopped. I continued to grow up and society started to change the way I think. The Right Path My environment made me envious of my friends because when I went to their house, I saw that they have their own basketball court, their own swimming pool, their own backyard and a really nice entertainment room. I asked my mom how would I be able to achieve that kind of life and be able to have that kind of house. She gave me advice saying, ________________________________________________________________________________________________________________________________________________________________________

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“Go to school, study hard, have good grades, and find a high-paying stable job”

So I followed her advice and aimed to graduate with honors so that companies will easily hire me. She told me to graduate as a Cum Laude, so that companies will be the one who will be contacting me left and right. I would be too busy rejecting some of them and I'll have the freedom to choose the best company that pays me the best salary. It made me believe that it was my ticket to success. So I aimed for that goal: to graduate in college as a Cum Laude. The Entrepreneurial Itch However, in the middle of my college years, I was invited by a friend to attend a seminar.

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He told me that the seminar changed his life and it can change mine too... How interesting! While the seminar was going on, I saw the speaker drawing some circles. One on the left and one on the right.

Cool. A business with circles! Power! To make the long story short, I signed up to be a member of a network marketing company. I guess you could say that I felt POWERful. I went all-in. I “kidnapped” my friends, I gave out flyers on the streets, I asked everybody out for coffee, I tried talking to random people in the mall, added strangers

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in my FB account, attended meetings late at night… or was it at dawn? And I almost dropped out of school. In short, “payaman ako!” I was able to build a team and earn 6 figures from that network marketing business. In the process of looking for the perfect car to buy... I lost my team! My

leaders

weren’t

showing

up

anymore.

Production under my team was slowing down. Eventually, I felt disappointed and lost my will to continue. I failed again. It changed my life however. I was opened up to another perspective in life. I was able to relate to the entrepreneurship trainings inside the company. It made me realize that graduating in school is just one thing. Your diploma will not dictate your future success. This is where most people fail, when they think

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that having a college degree is the only thing that will define their future. The Multi-Level Marketing (MLM) industry truly transformed me. Without it, I wouldn’t have opened up myself to the opportunities and information outside the path I was on with my academics. Failure After Failure After Failure From the savings I got from network marketing, I then decided to start a small traditional business which was a water refilling station. I wanted a business that wouldn’t involve selling directly to people, and I thought that a water business would be a good fit for me because people would have to come to me if they wanted to refill or drink some water. I invested everything there. Eventually, after 2 months, I decided to close it down. Why?

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I was only earning P500 net income per week. The total capital was around P100,000. Through simple computation, it will take forever to even break even from my capital. To make matters worse, I was the one lifting those heavy water gallons to save myself from hiring more people. And when there were problems with the machines, I snuck out of classes to go and fix them. I was devastated, so I decided to focus back on schooling and finish college. I am not intelligent, so I always do my best to find a way to pass. I frequently had to ask my smarter classmates on how I can understand the lessons better. I often stretched my neck to its limits to see my classmate’s artwork during exams. It was really difficult.

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Indeed, I graduated as Cum Laude and started applying for jobs. To my surprise, I was unemployed for many months. Where are the companies calling me left and right? I thought this was my ticket to success? While waiting for job opportunities, I didn't want to waste time. That was when I decided to enroll in Law School. During the 2nd semester of law school, I found a way to make money online. From there, instead of studying law, I was busy studying online marketing. Everytime I went to class, I brought my laptop. While most of my classmates were reading the law cases through their laptop,

I was reading the ad policies of

Facebook. I was that determined. After a couple of weeks bringing a heavy heart, I decided to drop out! I focused on online marketing.

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It was such a struggle at first, but I was hooked by the idea that you can make money(and I mean tons of money as portrayed by my online mentors) while being at home by using only a computer and an internet connection.

Finally My Personal Breakthrough After 3 long months of hard work and sacrifice, I earned my first sale, P1,000!I told my friends about the business and told them that I earned money. They asked me how long it took me to earn that much. I told them that I earned it after 3 months.

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They told me, “Isn’t that a bad business?” I answered, “Yes, it took me a long time. However, it was the first time I was able to earn money while asleep. It may not be a life-changing amount, but it was a lifechanging moment.” I scaled my business, then I earned my first P100,000 in 2 months. I then got my first million after 6 months. Eventually, I was able to make 7 figures every single month. I was able to buy the gadgets I wanted. Eat in restaurants I couldn’t afford then. Travel any part of the world without worry. In short, I was living the good life. But... After achieving all that, I felt a lack of fulfillment. I was earning by myself behind the screen with little to no interaction with people. I felt that there was a different purpose given to me by God. ________________________________________________________________________________________________________________________________________________________________________

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During that time, a lot of my friends asked me to teach them how to do online marketing. So I conducted my very first seminar in Cebu and taught them how I did it. Finally, I felt fulfillment. I was helping people while making money. I was happy. And I told myself: “This is what I want to do for the rest of my life”

Today, I continue to share my knowledge and help entrepreneurs build a profitable internet business. After all the lessons I learned from my personal experience, mentors and courses… I want to help you achieve your breakthrough! All the things I learned condensed into 8 powerful lessons. Lessons I learned in my journey from earning my 1st income to my 1st million. And with these needed

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mindset shifts, I really believe you can achieve your most desired goals too.

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Lesson 1

Why You Will Never Get Rich Abundance is attracted to clarity. -Bo Sanchez

The number one reason why people don't get rich or don’t get what they want is because they basically DON’T know what they want. They don't know their goals. They're not clear. They're telling me: “I

haven't

achieved

my

dreams

yet

because… at 25, I'm feeling left behind, I’m lacking focus, not having a solid idea or plan about what to do with my life.”

Because of lack of clarity, they don’t know which one to prioritize. ________________________________________________________________________________________________________________________________________________________________________

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“Because I have so many dreams and don't know how to set priorities”

And last but not the least, going with the trend. Not knowing the exact direction to follow, only to end up in a job they hate. “Because I always go with the trend. I always

check

what's

“IN”

(like

BPO),

what's

“HOT” (like being a cabin crew), what's “COOL” (blogger/youtuber/ecommerce)

and

what's

not

(cryptomining ayun nalugi) and so I ended up on another person's dream”

Does any of this sound familiar to you? If one is not even sure of his or her goals, how much more with becoming rich and successful. To achieve your goals, you need to be crystal clear with what you really want. Hey! This is common sense...

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But why do people still not do it? Why don't they create clear and specific goals? Here’s the not-so-common sense reason. One Thing That Holds People Back It’s because of FEAR. It’s the one major thing that holds people back. They are afraid to dream because of many things. If they don't achieve it, they might feel rejected, depressed or they would be looked at as a failure by others or themselves. Nobody wants that. That's why, instead of dreaming, it’d be better to NOT dream to avoid these negative feelings. Another reason why most people don't set clear goals is because they are afraid to dream. They are afraid to share their goals to people. Why?

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Because of crabs. Nope, it’s not the crustaceans, (Though some people are allergic to it)but it’s what we call the crab mentality, the worst kind of crab.

Crab Mentality: Often Referred To As Dream Stealers These people pull you down, suck your energy, steal your dreams and let you settle for less. This reminds me of one of my goals which was to earn P500,000 net income every month. I wrote it on a paper, pasted it on my laptop and every single day I’d look at it. My mom also saw it. I then remembered her telling me to take the dream down. She's afraid that if I won't be able to achieve it, I'd get depressed from the failure. ________________________________________________________________________________________________________________________________________________________________________

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You see, the first people to put us down is our family and closest friends. It's not because they want to hurt us, but it's because they want to protect us. In my case, my mom loves me so much that she doesn't want me to get hurt if I fail. And then one day... When I was shooting a webinar(or online seminar), I was doing a selfie and my friends saw my dream board (with the P500,000 per month income goal) and I received comments from them teasing me negatively. "Who are you to dream such?!"

Well, they didn't exactly say that, but it was clear to me that they didn't believe that I can do it. Of course, I was affected. I felt hurt. They're my friends. I then had 2 options: to delete or let it be. In just one click, I could delete it but so would my dream. If I follow the first option and listen to them - they

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win. That would’ve been me allowing them to steal my dreams. I chose the second option. I decided to listen to myself, and instead of listening to them(bashers), I just focused on achieving it! Guess what? I earned P1 million in 1 month! (Twice my original goal). You see, it happened to me for a reason. Experiencing it provides me a good story to share and it allows me to help you realize that what you are experiencing now is for a reason. And if you follow and listen to yourself, it will be a good story to share once you proved the naysayers wrong. People will pull you down from your dreams, and you should expect that. However, instead of feeling hurt, you need to understand them. DON’T make them understand you.

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Dream Big or Go Home You see, a deeper reason why some of our close friends or loved ones do this is that they can't envision themselves doing or achieving it. So, if it is impossible for them, they'll also automatically assume that it is impossible for you. It's easy for people to pull down someone rather than pushing them up. If people meet your standards or your dreams, they need to get out of their comfort zone to match yours. This is because dreaming big is not comfortable, and at the same time, no one wants someone to be higher than them. So instead of going out of their comfort zones, they pull you down. However, for you not to get hurt, treat it as a blessing.

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Not everyone dreams more. You should be the one to understand them. You are blessed that you are dreaming more than your friends, family and your surroundings. So I give you permission to dream BIG and be very clear with what you really really want.

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Lesson 2

Why You Should Be Selfish Take care of yourself first. -Gary Vaynerchuck

Imagine that you are about to climb a steep mountain together with your family. Everybody is excited, all bags are packed, hydration filled to the brim and mosquito repellent spread all over your body. One, two, three, and everybody is ready to go. Well, except your parents. ________________________________________________________________________________________________________________________________________________________________________

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They're not excited. They’re spreading negativity. Since it was already planned months ago, they have no choice. Since you don’t know how to climb the mountain, you slowly go up together with your parents in front as this allows them to set the pace for everybody. However, you are not able to reach the peak because of the slow pace. Everybody is exhausted, and instead of moving far and fast, the climb becomes a drag. Eventually, you will have to go back down at a certain point without reaching the goal. Hmmmm... Isn’t it easier to pull someone up a mountain because they know you are where they need to be.

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Prioritizing Yourself First That is exactly one of the reasons why people are having a hard time becoming successful. “It's

okay

if

I

am

as

long

as

it's

(financially),

suffering not

them

(family).” “Cause

I'm

busy

helping

my

siblings

achieve theirs. Hays” “I haven't achieved my dreams yet because I'm

a

mom

and

I

want

to

help

my

children

achieve their dreams.”

They prioritize others first before themselves. Well, I totally agree with this, but if you really want to achieve your desired breakthrough, then I suggest letting go of the things, people and circumstances that are pulling you down. Things that are dragging you and making the climb a tough one. Be selfish with your goals. ________________________________________________________________________________________________________________________________________________________________________

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Yes, you read that right! Be selfish first in order to be selfless. Isn't it much easier to pull people rather than pushing them up? As the famous line from your favorite airline says: "Put your oxygen mask first before you put on the mask to help your baby."

The reason being, if you cannot help yourself, how can you help others? How can you give if you don't have enough for yourself? Another reason why you should prioritize yourself first is that.. You Don’t Want Them To Be Lazy You don’t want them to rely on you too much. If you help them always, instead of achieving their dreams, they become lazy and dependent on you. ________________________________________________________________________________________________________________________________________________________________________

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Are you familiar with some of our OFW friends? The family left behind in the Philippines are splurging (spending money like there’s no tomorrow) while some of the OFWs are juggling 3 jobs to keep up with their family’s demands. And when they don’t send them money, they get angry! And that, my friend, is not healthy. It breaks my heart. Having been able to coach some of my OFW students, I gave them permission to be selfish and so should you. Yes, it's okay to be selfish for a while. Tell your family: "I'm reducing a part of my income so I can save and invest for myself." Better yet, auto deduct a portion of your income to a separate account exclusive only for yourself.

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Because by the time it is your turn needing help (and I believe this will happen to everybody), who’s gonna be there to help you? Yes, be selfish in order to be selfless later on.

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Lesson 3

Miracles Just Don’t Happen I believe luck is preparation meeting opportunity. If you hadn't been prepared when the opportunity came along, you wouldn't have been lucky. -Oprah Winfrey

Luck. Miracles. Success. They don’t just happen. You create them. The problem is that, 99% of people are blinded. Why? Because success is difficult. If we fail, it is hard to accept defeat. We all don't want to get hurt. Thus, to make ourselves feel better, we blame other people, we blame the circumstances and never ourselves.

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I once remembered a business owner who had a very profitable traditional business.. His store was located on a high traffic area and sales were coming in like clockwork. Until... The government decided to do a road renovation near his area. The road was now dusty, unpassable, and his business sales eventually slowed down. He said to himself: "I'd do a temporary close for a year, and after this renovation, business should return as usual." After waiting for 1 year... ________________________________________________________________________________________________________________________________________________________________________

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and then 2 years... and then 5 years... The road was still not finished! And guess what? He blamed the government for his business downfall. Well, that might be true. We cannot control the renovation, but if we continue believing that it is not our fault, then nothing will happen. Respond Instead of Reacting Instead of waiting, you respond, act and take responsibility. A perfect example would be to relocate (granting he has enough funds to do it) or think of another business or strategy that instead of people having to come to his store, he will be out there in the field selling or he could have created a website where people could purchase his products online.

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Instead of reacting to the situation, you should become proactive in looking for a way to make it better. Yes, you'll feel bad at first. It's okay. Accept it, and then move on to the things you can control. Once you do that, it becomes a positive thing. You’ll improve your attitude and you'll become a better person. A similar incident happened to me in my business. I trusted a partner in marketing one of my events. I thought everything was running smoothly, until I realized that nobody was signing up for my event. I was stunned... I couldn't have an event with no attendees! I was furious, angry and I wanted to blame everything on my partner. But instead of doing so, I didn't. I blamed myself and took full responsibility for the incident. I know these things will happen, and sometimes, we cannot control it when it does. ________________________________________________________________________________________________________________________________________________________________________

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Instead of blaming however, I realized I wasn't careful enough in choosing the right partner. I wasn't responsible enough to do my due diligence in following up. I trusted too much without having proper internal control in place. Because of that incident, I became a better person. I was able to grow. When you blame yourself for your failures and struggles, you can improve and become a better person. But if you don't and would still keep on insisting and blaming others, you will never change. Be responsible. You are the driver of your life. You can control your life with God’s grace and blessing as well. And if anything happens, you can redirect your life to wherever you want it to be.

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Miracles just don’t happen. I create them and so should you. Take control of your life and Seek for God’s guidance and blessing.

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Lesson 4

Investing Your Money Is Bad Your greatest asset is your earning ability. Your greatest resource is your time. -Brian Tracy

Investing your money is bad and you should NOT invest it (yet). Why is this so? Because when people hear the word “investment” what normally comes into their minds are the stock market, mutual funds, real estate, and so on and so forth. The main goal is to let your money grow and multiply. But here’s the problem…

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When I was still in college, I was already investing in the stock market. I was already exposed to the concept of growing your money and letting it work for you. At that time, I was investing little by little until I was earning good income and started investing more of my money in stocks. The growth of real estate prices in a good market is 6% per year, but the stock market has an average of 12% per year. That got me excited to become a millionaire very soon. The problem was… it would take me 12 years to double my money if I invested in real estate and 6 years to double my money if I invested in the stock market.

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Well, it isn’t really a bad thing because over the long-term the value of my money will get bigger and bigger, but it will still take so many years before you can reap the benefits and returns. Rather, invest in your best asset that can double your returns in a short span of time. Your Best Asset That asset is your earning ability. What do I mean by that? Say for example, you invest money in attending a seminar or a course. You then acquire a new skill and would start applying it to your business. If you are currently earning P50,000 in your business or career, you can potentially earn P100,000 by investing in learning and improving your best asset: your earning potential.

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And that, my friend, is the best investment out there. Investing in yourself, growing in knowledge, skills, and increasing your earning ability. In fact, personally, I invested more than a million already

in

self-education.

I

started

with

few

thousands(with money I just borrowed) and every after learning, I applied it to increase my earnings. Everytime I earn from the new skills I acquire, part of it is reinvested back into my self-education. And with no fail, I always see my earning potential growing and growing and growing every time I invest in myself. 3 Steps In Wealth Creation Remember, there are 3 steps in wealth creation: 1. Get Money 2. Keep Money 3. Multiply Money

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Getting money is basically earning income. Keeping money is learning how to save or set aside a portion of your income. And finally, multiplying money means investing your money in assets that can grow and produce more income for you. And if you haven’t maximized yet your earning potential (your ability to get money), what is there to keep? What is there to multiply? To illustrate: Let’s say, for example, you are currently earning P20,000 per month with your job. Assuming 20% of your income goes to investments, that would be P4,000. That’s well and good, but that money is stuck for the long-term. How about, instead of investing the P4,000, you spend it on a seminar, teaching you about online marketing and e-commerce. You become so inspired from the seminar that you decide to start an online business. Potentially, you can grow your earning ability to about P50,000 per month part-time. ________________________________________________________________________________________________________________________________________________________________________

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After that, you further spend on online courses, trainings, workshops and finally, go on working full-time with your new found business. By giving 100% focus on growing yourself, you could then be earning P100,000 per month. Now you are ready to invest. Invest 20% of your P100,000. That’s a substantial P20,000(compared to P4,000) per month for your investments. As one of my mentors said: “Unless you are earning $10,000 per month, investing money rather than investing in yourself is BAD.” And that’s how you get, keep and finally, multiply money. Invest first in yourself.

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Lesson 5

Business Is Not About Being Rich It's not about the money. It's about creating a business out of your life's purpose and mission. -Robert Kiyosaki

WRONG! People are starting a business for the wrong reasons! “I have 50K, what's a good business to start?” “I haven't achieved my dreams yet because I'm still busy working for others (JOB). I'm planning to save a fund as a capital so I can give up my work and then start to achieve my dreams”

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You see, a business is NOT about having the capital. It’s NOT about escaping your job. It’s NOT even about making a lot of money! So what’s the ultimate purpose of a business? Again, a lot of people want to be in business because they want to be rich, and to be rich, you need to have a lot of money. So when people ask me: “How do you make a lot of money?” They are actually asking the wrong question. Why? Because money is a result. It’s a result of something. This means that if you focus on making money, you are no longer focusing on creation, but you are focusing on the results of the creation. Now, let’s backtrack a little bit.

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Where Money Comes From Where do you get money? When I ask that question, a lot of people get confused. They say: “Uhm, I don’t know. From the bank? From the government? From your job?” Well, the only place you get money is from other people. Let me repeat that - the only way for you to get money is by getting it from other people. So the next question would then be: “Why would somebody give you their hard-earned money?” Is it because they like you? Is it because you have a happy face? Is it because you have 6-pack abs? I wish that was the case because then I would have been a millionaire way earlier.

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But it’s not. Nobody’s gonna give you money for any of those reasons. Primarily, there is only one reason why people will give you money and here it is: It’s because you are going to help them. How? An Entrepreneur’s Job By helping people solve their problems. That’s how you get money. Helping people solve their problems. -

Do you have problems with your finances? Let me help you lose weight.

-

Do you want to lose some weight? I can help you increase your income.

Oops, I think I got that reversed. But anyway... And by helping them get rid of their problems, they are most likely willing to pay you for it. That’s it! ________________________________________________________________________________________________________________________________________________________________________

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Now that you know how to make money, do you know how to make more money? Do it again! Solve the same problem with another person. And guess what, they’re gonna give you money too. Therefore, as an entrepreneur, your job is to solve a problem(that you really are good at) for a profit. You are a problem solver! How I Made My Second Million My first million was definitely the hardest. As mentioned in my story, I was in a total imbalance because I was just focused on making money. I was selling products just for the money. Then of course, I shifted my mindset into really helping people with their problems. Here’s the problem I saw:

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What I noticed was that, it’s hard to start a traditional business because of the increasing costs of things like operating expenses and employee salaries. So what I did was, I looked for an expert to mentor me in starting an e-commerce business. He knew how to build an online store and sells products he doesn’t own. After getting huge results from his mentorship, I knew it would be great to share this information to others. Unfortunately, he is not teaching it to other people. So I decided to partner with him and we created an online program teaching what he knows. I was the one who did the marketing. It was something new, and it definitely solves a big problem. And the result? P1 million pesos in sales in 1 month! Mind blown! But that’s not the best part. This one is:

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"Coach permission to post to inspire lang sa mga ka virtual classmate. First 2 sale agad this day. Thanks sa opportunity na nakita natin sa lesson na ito sana magkaroon tayo ng resulta lahat na nasa groups. Tuloy lang ang learning at focus sa goal na natutunan natin from week 1 till end. Salamat sa ating coach. God bless." Jo Han

I receive feedback like this every now and then, and it totally changes how I see business. It’s really all about helping and solving people’s problems.

The Right Way Of Starting A Business Actually, we see this everyday. We just fail to recognize it. How big businesses become successful is because of this concept: being a problem solver. -

Are you angry at overcharging taxi drivers? There's Grab.

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-

Want to communicate with someone overseas? There's Facebook!

-

In a hurry to get some food in the morning? There's Jollibee.

From small to big businesses, the ultimate purpose of a business is to solve a problem. How about you? What are you good at?That of which can help solve people's problems. Solve it and people will pay you for it. That is how you start a business the right way! It’s never about the capital, it’s not an escape from your job, nor is it because you want to make a lot of money. It’s really about serving and providing value in the society. It’s all about solving problems.

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Lesson 6

Why the Law of Attraction is Useless Therefore I tell you, whatever you ask for in prayer, believe that you have received it, and it will be yours. -Mark 11:24

What you focus on expands! We all heard the famous law of attraction. But does it really work!? It states that what your mind can conceive, you can achieve it! Just think about your goal consistently. Focus on it every single day. Lo and behold! You'll get it. BUT to your surprise, it doesn't work! WHY?!

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It also happened to me. One of the things I learned about law of attraction is that you need to keep having a positive mind. If you are negative, you’ll attract negativity into your life. So if you want to have great success in life, you need to be positive always. We need to always feed our minds with success. So that’s what I did. I read tons of business and success books and watched a lot of motivational videos. I was pumped, inspired and ready to attract a lot of success in my life! But to my surprise, my situation would be the same as the previous 6 months. Sometimes, it would be even worse! The law of attraction wasn’t working for me and here’s why…

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Why Reading Books and Watching Motivational Videos Don’t Work Because it’s a trap. Everytime we learn something through a book or a motivational video, there’s a part of our brain that releases a “feel-good” hormone giving us a sense of false accomplishment. Why false? Because it isn’t happening yet. Unless we actually apply and act on what we

learn,

nothing

really

happened yet! When we realize that nothing is happening, we then go back to the same cycle of reading or watching another motivational video to make us feel good again. It’s addictive and it’s not helping you move forward. The only solution: TAKE ACTION!

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The Secret to Activating the Law of Attraction And that's why the law of attraction is spelled with the word "action." You need to take action. -

You can't think your way to a healthy body.

-

You can't meditate everyday to wealth.

-

And surely you can't make a baby (or a happy family) by just visualizing your partner!

You need to attract first what you really want, and when the opportunity comes, take action! I believe in the law of attraction, but it is totally useless unless we act. That is the secret to the law of attraction.

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Lesson 7

Starting Many Businesses Will Make You Bankrupt Most people have no idea about the giant capacity we can immediately command when we focus all of our resources on mastering a single area of our life. -Tony Robbins

I thought I was superman! When I finally figured out how to make money online, I started doing almost everything. From

affiliate marketing,

digital

publishing,

cryptocurrencies, and dropshipping. I did a lot of businesses that can be done online.

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There were some successes. I thought I had the Midas touch. I thought that everything I put myself into would achieve success. But then, a lot failed and none skyrocketed. I remembered a story from one of my internet marketing mentors, Anik Singal. When he was still in college, he was so inspired with the billionaire Mark Cuban that one day he emailed him saying: “Dear Mr. Cuban, I’m a big fan of yours and what you’ve achieved. I respect you a lot and would like to have the success that you’ve had. I’m a young, ambitious college kid and I want to be like you. I’m working on five ideas as an Entrepreneur. I just wanted to know what advice you have for me. - Anik Singal” And to his surprise, here’s his reply:

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“Hey kid, got to keep it short. On the way to a game. My advice to you would be to drop four and focus on one.” What?! He was so angry. Why on earth would he want him to drop four and focus only on one? How could Mark Cuban, a billionaire with multiple businesses, advise someone to only focus on one? Ironic but it is the truth because diversification will not make you rich! This is what’s happening to most entrepreneurs out there. We think that starting multiple businesses will make us rich. A lot believe that when one plan fails, you need to have a back up. Well, this may sound well and good but it is actually spreading our focus.

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The Secret to Skyrocket your Business Think of it this way. Imagine a rocket with 4 thrusters. Obviously, all 4 will be facing downwards so that during take off, all the energy is focused and concentrated down below in order for the rocket to take off. Now imagine, what if 1 or 2 of the thrusters are facing in a different direction? Well, you guessed it right. It will crash! It’s the same thing with your business. If you think that having multiple businesses can make you rich, think again. Just like a rocket, none of the businesses will takeoff and skyrocket to success. Even worse, all your businesses might even crash. Look at Manny Pacquiao. He plays both boxing and basketball, but he’s not known for playing both sports. ________________________________________________________________________________________________________________________________________________________________________

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He’s known for being the one of the best pound for pound fighters in boxing. Look at Michael Jordan. He plays both basketball and golf, but he’s not known for playing both sports. He’s known for being one of the greatest in basketball only. You don’t need to be good at everything. You just need to master one thing and be the best at it. Look at Mark Zuckerberg of Facebook. He was only focused on growing Facebook until he became big enough, started diversifying, and buying other companies like Instagram for business stability. Another one is Henry Sy. He is best known for SM Malls, but he is now the owner of multiple businesses, including BDO, SMDC and more. I could go on and on about people and businesses who focus only on ONE THING and then later, would diversify.

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So when you find that one thing that you are really good at, when you find that “solution” that can solve people’s problems, focus on it. Put all your energy. Go all in! Remember: Diversification is horizontal growth, while focus is vertical growth! Focus will make you rich, and then later on, diversifying will keep you rich.

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Lesson 8

I Want You To Fail Risk comes from not knowing what you're doing. – Warren Buffett

I once attended an investment seminar where the speaker asked his audience: "Who among you here doesn't know how to drive a car?" A few hands went up and then suddenly, he got the keys to his car and said: "Now, my dear friend, I want you to take this key for a day. I'm going to let you borrow my car so that you ________________________________________________________________________________________________________________________________________________________________________

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can go wherever you want without the need to ride a jeepney." Wow! Isn't that amazing? A whole day free car. You can use up all his gasoline for no fee. You get the convenience of driving in an air conditioned vehicle compared to riding in a jeepney with all the heat and dust on the road. But guess what the response of the attendee was? She simply said "NO." Why? Because she doesn't know how to drive! It's too risky! But the real question is, Is driving really risky? I don't think so.

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It is the entrepreneur's knowledge, skills, and attitude that create the risk. So how do you minimize the risk? Go take a driving lesson, and then practice until you master the skill of driving. Have you noticed that when someone has mastered driving, even though he is busy talking with a passenger, his movements with the steering wheel, brake, and gear shift are almost automatic? Where did the risk go? It isn’t gone. The risk is still there, but the driver minimized it by learning and actually driving. And again, it’s the same thing with business. The Prerequisite of Success You need to learn. You need to have a mentor. You need to buy and read books. You need to attend seminars.

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BUT it does not stop there. After learning, you need to practice and perfect the skills needed in business. You need to apply what you learn, and yes, you will fail. Occasionally, you will fail. Just like having a scratch on your car when doing reverse car parking or having to suddenly break when the stop lights turn from yellow/orange to red (making your fellow passengers double check their seatbelts). Yes, you will occasionally fail in business. You'll lose some money. You'll make bad investments. But the most important thing is, you will gain experience. Just like a baby who wants to learn how to walk, he never gives up. He stands back up every time he falls. A baby is never negative and he doesn’t tell himself: “I can’t walk anymore. Owaa!” ________________________________________________________________________________________________________________________________________________________________________

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A baby is determined. His actions portray that failure is part of the process. He observes what adults do and tries to follow them even if he’ll not be able to do it right immediately. The question we should ask ourselves is… “If babies can do it, why can’t we adults?” Risk is everywhere, but it is about how we manage it! Knowledge Does Not Prevent Failure When I ventured into e-commerce, I studied and researched about the best product I should be selling. I made sure it was a quality product with high demand and has a wide market. I believed it was my winning product that would make me millions a month. I then put it up for sale. A day went by… ________________________________________________________________________________________________________________________________________________________________________

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And... Nothing. No sale. I was shocked! I researched and looked for another product. I uploaded it on my website and… The same thing happened. Still no sale! I did the same thing again and again. I uploaded different kinds of products, targeted different types of markets… And in my 20th product launch… I

made

P50,000

in

it’s

first

day!

Powerful! I then learned a huge lesson.

We do not know what will work until we try it. If I had stopped in my first, second, or third product, I wouldn’t have found a winning product. In e-commerce, we would not know if our product is a best-seller until we test it out in the market. ________________________________________________________________________________________________________________________________________________________________________

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Just like in life, you would not know if your career or business is right for you until you take a shot at it. Failure is not the opposite of success, but it definitely is a part of it. It is the prerequisite of success. So go ahead. Fail your way to success!

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Epilogue

What’s Next? Success is not based on your age or your demographics. It is your determination and willingness to achieve it. -Fibo Lim

This is it! This concludes the book. I hope that in one way or another, I was able to give you inspiration to be clear with what you really want in life. Find that one thing you can focus on and help people solve their problems. Once you find that, be selfish with your goals. Go all in.

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Because when you take enough action, not only do you attract success in your life, but you also make them happen. Don’t wish for luck or miracles. Be responsible with your actions. Don’t blame others for your failures. It’s okay to fail anyway. Fail along the way. It’s normal. It’s normal, but please, stand back up. Improve yourself. Invest in learning. Upgrade your skills and be the best at what you do. Be the best version of yourself. BUT REMEMBER, reading books cannot change your life. It’s useless unless you apply the learnings inside. I don’t want this to be just another book that after you read, you put it away in your bookshelf to accumulate some dust. I want you to take action now. Now as in NOW!

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What’s Next? So here it is: Whatever your business, career or job you have right now, whether you have experience or not, I want to help you further. If you want to finally break through your struggles... If you want to finally start your dream business... If you want to multiply by 10x your current business results... If you are sick and tired of the job that you hate... If you want to finally come home for good and be with your family... And if you want to build a business that truly matters... Then I’m giving you the opportunity right now to apply the lessons inside the book, test your new mindset and get ready for new and exciting times ahead.

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Go to this link immediately, and experience your personal breakthrough now. www.fibolim.com/success

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About The Author Fibo Lim has built an 8-figure business through his websites in less than 2 years. He has refined a system that has helped thousands of entrepreneurs monetize their passion, earn passive income online, and live the dot com lifestyle. His trainings and system has been widely regarded as the most strategic and innovative approach to growing an online empire. Today, Fibo Lim is recognized as one of the most requested speakers in his country, the Philippines, in the field of online marketing, business, finance, and personality development.

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