“The distance between your dreams and reality is called action” IG @Corporatebytes

DISCLAIMER: Please read our disclosure policy here. Links in this post may contain affiliate links and as an Amazon Associate, I earn from qualifying purchases.

I’m going to start this article by asking several questions.

1. Do you think that, earning more money will solve your money problems?

2. Do you think higher education will solve your money problems?

3. Do high paying jobs solve money problems?

But the real question is, What does solve money problems?

Making more money does not solve your money problems. This is due to individuals tend to find new things to buy with the new money they just received. Many times, this is bought on credit which adds monthly payments to your debts.

Higher education does not solve your money problems either. We have a lot of bright individuals with Masters and Ph.D.’s that earn a lot of money but are deeply in debt.

A higher paying job does not solve your money problems. I see it all the time.

Tell me, how many pay increases have you received in your working life? How many bonuses have you received?

Are you out of bad debt yet? Ask yourself, why?

Truth is, we already know where or on what we want to spend that money before we even receive it. The reason why too many individuals cannot get ahead of the game is that they lack the real answer to the big question, Financial Education / Financial IQ.

One thing is having higher education, high paying jobs or making a lot of money; and a whole different thing to know what to do with that money to become financially free.

In order to increase your Financial IQ, Robert T. Kiyosaki wrote a book to help us all. The book “Increase your Financial IQ – Get smarter with your money” goes in-depth to explain what real Financial education is and how you can use it to get ahead of the game.

Don’t buy luxuries until you’ve built the assets to afford them. He doesn’t agree with the mentality of living below your means. He prefers to build and acquire assets that pay for the lifestyle you want. Don’t pay for luxuries out of pocket. Pay for assets out of pocket and they will buy the luxuries that you want.

Assets come in many forms. They are things that will bring money into your pockets, whether you were working for it or not.

The most common assets are paper assets. Those come in the form of investing in stocks in the stock market. Mutual funds and bonds are also in this category.

Another type of asset is Real Estate. Whether you are flipping houses or owning rental properties (house for rent or apartment for rent).

Owning your own business. Or learning how to make money online by setting up a website, blog, etc.

And finally, the less common known assets of commodities. Include owning oil, gold, silver.

What do you do?

If you want to learn how to make money, I highly encourage you to decide which one of the previous types of assets you are more interested in. Buy a few books on the topic or take some classes. Learn the inside and out of how they work. Set yourself for success.

Instead of watching TV, learn new skills and begin managing your finances.

Useful new skills for this century are podcasting, affiliate marketing, app development, furniture making, graphic design, just to name a few.

Manage your finances by learning about taxes (“Tax-Free Wealth“) or be willing to pay up for a very well educated accountant.

Start your own business. It could be inside a building or an online business. You want a proven system, then check out Timothy Ferriss’s book (“The 4-hour workweek“). A great example of his business with tips and tricks for getting what you need for less.

Learn to invest (“The Intelligent Investor“) or know that you will be paying fees and expenses to people that are as intelligent as you or not even as much.

Review and organize your finances using money calculators, build your own or be willing to pay someone to build one for you. By the way, that someone will be me in the near future. Don’t worry, it won’t be expensive.

Don’t be afraid of using coupons to buy items at lower prices. It is a great way to save money that you can put to better use by investing it and growing your account.

Don’t throw your hard-earned money in the grave or online banking. What I mean by that is, don’t leave your money in a savings account or online bank account that pays anywhere from 0.5%-2.50%. Remember that inflation increases on average 3.5% per year. You need to make investments that pay at least 3.5% just to keep up with inflation and not lose your buying power.

There are plenty of assets that can pay you 3.5% and more. Investing is not risky. Risky is depending on one source of income (aka your job), and losing it (getting fired) and no second or third sources of income to help you mitigate the hit. Now, THAT! is risky.

Begin your Road to Wealth!

Leave your comment below. If you liked it, pay it forward. Share it on social media and help others become successful as well. Your success will be the result of two things: Knowledge and Action.

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If you have any questions, you can reach me at


“The greatest reward in becoming a millionaire is not the amount of money that you earn. It is the kind of person that you have to become to be a millionaire” Jim Rohn

DISCLAIMER: Please read our disclosure policy here. Links in this post may contain affiliate links and as an Amazon Associate, I earn from qualifying purchases.

Who we turn out to be in life, depends greatly on our early life experiences. It shapes us as a person and our personalities.

That also holds true for the experiences we have with money as a young person. It could seriously shape our whole mental outlook on finances and how we go about getting it.

I’ve always been really good at saving money. But I saved in order to buy stuff that I wanted. No one, in my family, trade in the markets, or own Real Estate or have their own business.

With no entrepreneurs in the family, it is a trait that I couldn’t learn or follow. I followed the same path as everyone else around me. I grew up in a middle-class family with high morals and values, big in sports, but mediocre in financial education.

Now, in my 30’s, my eyes have been opened to a new lifestyle. The best thing is, that lifestyle is reachable. I just have to work a little bit harder than someone younger. But I’m setting myself apart from everyone else to include family, friends, and peers.

When I say a new lifestyle, I don’t mean filthy rich and do nothing. What I mean is, a life where I can work and do what I like at the same time that my money saved is also working for me, growing and making my life easier. I don’t have to wait until retirement to enjoy it. I can use mini-retirement vacations every year and enjoy life while I’m still healthy and able to do so. Waiting until my 60’s to enjoy my money doesn’t make sense to me. How do I know if I’m still going to have good health then?

With that said, I started reading away more books about money and investing in the last 2 years than ever before in my life. (For reading books faster, read until the end).

No doubt in my mind those books changed my way of thinking about money forever. They are shaping my financial self, and they are leaving me with a nice positive cash flow which helps me cover my monthly bills and then some. Which makes me envision even bigger money goals aiming to not just help myself but my immediate family as well.

I encourage everyone to read them if you haven’t done so yet. They will transform the way you think about money and will definitely help you increase your wealth.

These are the most important books I read which have helped me save and invest my first $50,000 in only 2 years. To me, this is a milestone that could have not been possible if not for the part played by the knowledge inside. Of all those books, the ones that have stood out the most to me are the ones that follow.

1. The Millionaire Next Door

This book unmasked the typical “Millionaire” on the streets. The ones that have a lifestyle that is funded by debt and can barely find any money to spare. The authors realized that most of the millionaires in this country live just like the rest of us.

They are (PAW) or prodigious accumulator of wealth. The ones that have the lifestyle but not the income to support it are (UAW) under accumulator of wealth. Most people are (AAW) average accumulator of wealth.

You will also find in this book a simple net worth/wealth formula that will reveal to you where you stand by your age, not your peers or neighbors.

It was the first book to open my eyes to frugality, but not living like a poor person, just not wasting money in excess.

2. The Intelligent Investor

Warren Buffet (The Oracle from Omaha) is hands down the best investor in history. The wealth that he has amassed is in the billions. He calls this book, “By far the best book on investing ever written”. Coming from the best investor in history, I take that as the highest praise anyone can get.

If you ever wonder how to analyze stocks, this is your book. Benjamin Graham explains his strategy and the discipline it takes to become a smart investor.

3. Rich Dad Poor Dad

If you have not seen or heard about this book and Robert Kiyosaki, you are living under a rock. It is the best-selling personal finance book of all time! Read the last sentence again. No, seriously.

He made up his two dad’s, but the powerful lessons and inspiration in this book will make you start thinking like an investor and not a consumer.

A few things I learned:

– Not all debt is bad. You can get very wealthy if you understand debt and how to use it.

– First, buy assets that produce cash flow. Then, use that cash flow to fulfill your dreams and/or lifestyle.

– If you don’t invest in assets first, you will never get out of the rat race (slave away your life working until you die)

– Become your own boss. They believe if you are going to do it, go big or go home. But no need to jump with both feet. Personally, I’m starting small as a side job and building to the point where I won’t need my primary job anymore.

 If you want to start your own business or invest in rental properties, this is the book to read.

4. The ABCs of Real Estate Investing

Ken McElroy who is part of the Rich Dad brand (Robert Kiyosaki) wrote this book. As a mini summary, what you need to focus on is finding the right deal where you can make money off of it.

He goes over Real Estate Myths: Need a personal fortune, need to start small, or you have to be a Real Estate genius before you can get started.

If you work hard to study the markets and properties, evaluate the real income and expenses properly and improve operations, R.E. investing lets you sleep well at night all while building your massive wealth.

5. Tax-Free Wealth

Tom Wheelwright is a CPA who is also part of the Rich Dad brand, wrote this book about tax planning concepts.

He explains how to use your countries’ tax laws to your benefit. How tax laws work. And how they are designed to reduce your taxes, not to increase your taxes.

Once you understand the basic principles of tax reduction, you can begin reducing your taxes and in the future how to eliminate your taxes completely just like President Donald J Trump and Rich Dad’s own Robert Kiyosaki. You will no longer be afraid of taxes again.  

6. The 4 Hour Workweek

Timothy Ferris wrote this amazing book which gives you examples on how to properly be more effective and efficient at work and in life. He’ll explain the difference between the two.

How to build systems that can be automated. The cash flow will keep flowing in, and you will work less and less as you start removing yourself as a bottleneck of information.

Little tips and tricks on how to technically become an expert in whatever you choose to work on in very little time.

Learn to delegate tasks and get more done on a daily basis. It doesn’t matter if you are a business owner, any type of entrepreneur, CEO, floor manager, store manager, or whatever, as long as you have individuals that work under you, you should get this book.

Your productiveness will go through the roof. And your wealth too.

7. Cashflow Quadrant

This is another of Robert Kiyosaki’s books. This one, in simple words, is about taxes.

Yawn! Right? Well, no, hang tight, you will definitely want to read it. You will learn the difference between the four types of individuals there are in the world and why some pay a lot of taxes while others pay the minimum or none at all.

The tax benefits you can get if you do things that the government wants you to do like research, create jobs, places for living, and many other things, you will probably want to give it a try and stop giving the government half your money back in taxes as an employee.

8. Unshakeable

Tony Robbins shares tips from different financial gurus like Warren Buffet (The Oracle of Omaha), Alan Greenspan (Federal Reserve USA 1987-2006) and David F. Swensen (Investor, Fund Manager).

He explains the rules of the game, key players and their agenda, and how the average person (you and me) can ride the financial storm to build your financial freedom.

Being “Unshakeable” means that no matter what happens to the economy, you will have more than enough for yourself, your loved ones and your contributions. In other words, financially secure.

If you don’t want to be misinformed, ignorant and/or in fear of the financial markets, you must know the rules. Get this book.


Well, there are plenty of more books but we will be here all month long. I will write about them later. But this is where I started and I can’t tell you in this article how my life changed after this. I’m fully invested in the stock market and currently taking Real Estate classes. I already set my goal to acquire my first Real Estate Investment within the next 15 months. Building my investing team and learning the game for now, but when the time comes, watch out!


I just recently wrote an article where I explained how to make David and Zira read your pdf books for you and for free. If you are reading out of your computer in pdf format, they will read it to you. Check it out.

Begin your Road to Wealth!

Leave your comment below. If you liked it, pay it forward. Share it on social media and help others become successful as well. Your success will be the result of two things: Knowledge and Action.

Follow me on TWITTER, PINTEREST, INSTAGRAM, LINKEDIN, FACEBOOK for more posts and updates.

If you have any questions, you can reach me at


“No one wants to help you get there, but they’ll all show up when it’s time to celebrate” IG @life_playground

DISCLAIMER: Please read our disclosure policy here. Links in this post may contain affiliate links and as an Amazon Associate, I earn from qualifying purchases.


For some reason, for many, reading is not interesting. Almost as if it were their kryptonite. However, reading is where knowledge is hidden.

That’s why they force you to read at school. For you to learn.

On second thought, I think that is why many do not like to read. They made them read so many books that were not interesting, that they lost the magic and interest in reading.

If you are like me, you read the same paragraph several times. Again and again, because I get lost, get distracted by flies, or I just don’t understand something.

On average, it takes me a month to read a book of 250-350 pages. Some 10-15 pages per day before bedtime. Nor do I try hard to finish faster or read more pages per day. How great would it be for someone to read me the book?

The solution

Today, you can have your book of interest read to you, whenever you want, wherever you want and for free. That is great! How far society and technology have come! Is incredible.

It sounds even hostile, but it isn’t in the least. David and Zira are willing to read your book whenever and wherever you want. And for free. Because they are robots.

They are a reading system that many people do not know exists in pdf books and documents.

How it works

It does not work with pdf documents created by an image.

It works perfectly with pdf documents created by a text source (Microsoft Word or other word processing programs).

How to customize it

First, you must open the pdf book, and you will program it to your liking.

Click on Edit at the top, in the submenu, scroll down to preference.

In the box that opens (categories), click on reading.

You will see that as in the photo, you have the option to customize your reader.

Reading order: Left to right, top to bottom

Volume: adjust as required

Voice: Your two options are:

          Microsoft David Desktop (Male)

          Microsoft Zira Desktop (Female)

Pitch: adjust as needed between 1-10

Words per minute: this is how fast you want the document read. I am using 175.

Too fast can be difficult to hear and/or understand. Too slow may sound unnatural and saddle you to death. Find that sweet spot where you can have the best of both worlds; you are able to listen/understand and it keeps you awake, attentive and engaged.

Click Ok.

How to activate it

Now we move on to the part everyone wants to learn. For the less tech-savvy, we will do the step by step doing all the clicks. In the next part, I will give you the codes for those who like to use shortcuts.

Find the place where you want the reading to begin.

Click on the first word.

Now, at the top, click on View, then all the way to the bottom of the submenu, hover your mouse over Read Out Loud and click on Activate Read Out Loud.

* This is not going to start the reading, you are just activating the pdf.

Click on View again, hover the mouse over Read Out Loud, and you have two options here: 1. read this page only, 2. read to end of document.

Usually, most will choose to read until the end of the document.

Note that in the same process, View Read Out Loud – you also have the options to pause and/or resume the reading or stop reading completely.







Test drive

Some of my favorite books are:

The Millionaire Next Door (Personal growth / Finance)

The Intelligent Investor (Stocks, money, investing)

Tax-Free Wealth (Tax loopholes)

The ABCs of Real Estate Investing (Real Estate)

Before You Quit Your Job (Entrepreneurship, Financial IQ)

Retire Young Retire Rich (Money, Finances, Investing)


For many, this information will be of great help. Unfortunately, too many people today have no knowledge about this breakthrough, which can be exploited in our favor. I started a book 3 days ago using this method and I’m already on page 148. Pausing to summarize and everything. I will finish it in 6 days. Now, that is a breakthrough for me.

I hope it helps. Enjoy!

Begin your Road to Wealth! By reading more books in half the time.

Leave your comment below. If you liked it, pay it forward. Share it on social media and help others become successful as well. Your success will be the result of two things: Knowledge and Action.

Follow me on TWITTER, PINTEREST, INSTAGRAM, LINKEDIN, FACEBOOK for more posts and updates.

If you have any questions, you can reach me at


“Quit feeling sorry for yourself, make shit happen” – Unknown.

DISCLAIMER: Links in this post may contain affiliate links. Please read our disclosure policy here.

Many Americans love the idea and fantasize about one day becoming their own boss. Too many of them are realizing that they don’t have enough money saved for retirement.

On that same token, they are scared of failing by starting their own business. Losing their savings and digging a deeper hole for themselves.

One way to avoid that is by buying a proven concept, rather than starting a business from scratch.

That means, buy a franchise.

The thing is, many of the well-known franchises today, come with a hefty price tag. But I will give you a few low-cost franchises that can help you achieve your goals of financial freedom.

Note: In order to get more details on these franchises, read this article on CNBC.

Since we are talking about low cost, we will begin with our highest “low cost” on this list and work our way down.

1. United Country Real Estate

          With 443 franchises in the U.S., this franchise has a start-up cost of $15,000. Royalty fees range from $1,200 – $2,400 per month.

2. Rhea Lana’s

          With only 89 franchises in the U.S., this franchise also has a start-up cost of $15,000. Royalty fees range from 1% – 3% of gross sales.

3. Image One

          It has 103 franchises in the U.S and has a start-up cost of $15,000. Royalty fees are 10% of annual gross revenue.

4. Help-U-Sell Real Estate

          It has 102 franchises in the U.S. and has a start-up cost of $15,000. Royalty fees are 6% of gross commissions.

5. Motto Mortgage

          It has only 70 franchises in the U.S., with a start-up cost of $12,000. Royalty fees are $0 for the first 6 months, increasing to $4,500 per month after one year in business. With Real Estate heating up the way it is, the low amount of franchises and the low start-up cost makes sense for a great investment.

6. Cruise Planners

          Has 2,569 franchises in the U.S., and a start-up cost of $10,995. Royalty fees range from 1% – 3% of gross commissionable fares. Competition is a bit steep here with over 2K franchises open.

7. TSS Photography

          Has 176 franchises open in the U.S., and a start-up cost of $10,500. Royalty fees will depend on print production costs which varies by state.

8. Showhomes Home Staging

          Only 55 franchises in the U.S., and a start-up cost of $10,000. Royalty fees are 10% of annual gross revenue. Again, Real Estate is hot lately and this investment has a lot of upsides. Not too many franchises to compete, low start-up cost and a very generous royalty program.

9. Complete Weddings + Events

          Has 192 franchises in the U.S., and a start-up cost of $10,000. Royalty fees are 8% of annual gross revenue.

10. Dream Vacations

          It has over 1,200 franchises in the U.S. and the lowest start-up cost at $9,800. Royalty fees range from 1.5% – 3% of annual commissionable sales.

As you see, some of these franchises are well known with over 1K franchises up and running in the U.S. Others, are rather new which will give you an edge to really reach your financial freedom once people get to know you and trust you with minimal competition.

I prefer to receive my income from the (I) Investor quadrant but nothing wrong with being your own boss and be part of the (B) Business quadrant. Both quadrants come with great benefits from a tax perspective.

If you want to learn more about the Cash Flow Quadrants, tax benefits and much more, get your hands on this great book “Rich Dad Cashflow Quadrant” by Robert T. Kiyosaki.

For more on the (I) Investors quadrant, you can learn about:

Real Estate:         

                    Rich Dad Poor Dad: What the Rich teach their kids about money

                    Retire Young, Retire Rich

                    The ABCs of Real Estate Investing

Stock Investing:  

                    The Intelligent Investor

                    How to make money in Stocks

Tax loopholes:

                    Tax-Free Wealth: How to build massive wealth by permanently lowering your taxes

These books have empowered me with the knowledge to set myself and my family for success in the future. The small investment I paid for this type of knowledge, has paid dividends a lot sooner than I expect. The difference is knowledge by itself, is not power. Knowledge with action is power.

Set yourself for success!

To our wealth! Leave your comment below.

Remember, it’s all about the road to wealth. If you liked it, pay it forward. Don’t forget to share it on social media and help others become successful as well. There is plenty of room for all of us. In the end, your success will only depend on you and not what others do.

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If you have any questions, you can reach me at