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  By: Jose Renzo Bersales General Santos City, Philippines Some problems are not meant for everyone, this stops us from moving forward. Most people will find a solution for that because that’s how it works. The more we experience such kind of problems, the more we learn and understand its nature, making it easy for us to say “I overcame the last problem, I’ll do it again for this one”. This is not a special trait for humans - this is how we should think.   But have you ever taken advantage of a problem so smart that it solves everything?    Our mind is the most simple yet most complex tool that most of us don’t know how to use for our advantage. The more we understand things, the more complicated the world becomes and how it works, that’s the advantage!    You don’t understand? Maybe you should train your mind first!    Mindset. It will shape you. It will transform you. It will give you an advantage.   Invest in it. Age is just a number, neve...

 At the age of 27, I already achieved my first million (or more). In this short article, I will be sharing three of the things I believe that led me to becoming a multi-millionaire at a very young age.   1.) It's All in the Mind   I know people who were born rich, but have a poor mindset. I know people who are born poor but have a rich mindset. In my case, it’s the latter. Though I was not born in a well-off family, it has not hindered me to dream big. With our financial status, dreaming of earning a million would have only been possible if I won the lottery or a reality competition or a game show on TV. But from the word mindset; “mind” and “set”, your limitation is where you set your mind in to.  Every morning, I tell myself in the mirror, “you will earn your first million today”. Every morning, I tell myself in the mirror, that I will earn my first million on that day. One day, I just had it.   2.) You Must Have Passion No matter how great an opportunity come...

“Saving is what makes people who earn money stay broke.” Yes, there is wisdom in saving. But if you save for the sake of saving alone, you might care to re-think your choice.   More often, people save for “rainy days”. Financial coaches say, saving money means having available cash when you need it. We save mostly for a possible medical emergency or for buying our dream house or car. Hence, many people allocate a portion of their income/ salaries as savings to their banks. But who’s really getting richer, the banks or you?   I don’t intend to say that you must not save. People must save! What I want to point-out is that if you save just for the sake of saving, you will never improve your current financial status or if you will do, it will take you years to do that if not a lifetime of hard work that could have been shortened if you just had smarter financial choices.   If the purpose of you saving your money is to prepare for an emergency, medical or accident, many life i...