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Who REALLY is the Millionaire?

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MJ DeMarco

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There have been some postings here about this Money Moustache character here in the forum (public) and on the Inside.

A question I'd like to pose to the audience here is this ...

WHO REALLY IS THE MILLIONAIRE?


JOE
----

Joe is 35 years old and has a net worth of $3.1 million dollars and is a successful lawyer. He works 6 days a week usually 8-10 hours a day. While Joe is successful and respected in his career, he really doesn't enjoy his work. After years in law school and a career that quickly got on the FastTrack, Joe feels compelled, or "guilted" into continuing his work, and his career. He lives in a nice 5,500 square foot house with a $900K mortgage and drives a $60K Audi. Joe really doesn't have much free time as it is usually spent sleeping or in case preparation. Joe is the "go to" guy at the firm and is well respected. He epitomizes the American Dream and is a MILLIONAIRE in terms of MONEY.


MANNY
-------

Manny is 35 years old and has a net worth of $620K and lives in a 1,200 square foot home that he owns outright with no mortgage and no HOA. Manny's spends his days doing as he pleases, usually crafting metal sculptures out of old discarded appliances. He sells them at the local craft fair every week. Manny is excruciatingly frugal and he has enough money to fund is lifestyle for years. Aiding this of course is that Manny was never was one for expensive cars, clothes, or gadgets - he simply likes his time. His car is a 13 year old Toyota with 144,000 miles and is tax deductible since he only uses it to transport his metal sculptures to fairs. (Manny does not need a car - he doesn't have a job and everything he needs in terms of living is just in walking distance.) Manny epitomizes an American Failure because he doesn't have a job, doesn't have an iPhone, and he drives around in a ratty Toyota wearing old clothes ... and yet, MANNY is a MILLIONAIRE in terms of TIME.

So the question is ...

Who really is the MILLIONAIRE?
And how are you evaluating the "term" Millionaire?

Some of you might be closer than you think...
 
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Nz sitqupti.......

Xjip ovt emm teof epf fupi, O ipwotoup nztimg mowoph tunixjisi op civxiip. Nz tvevat xomm puv ci nietasif xovj nupiz. O xomm piwis desi og O duamf ci duptofisif e nommoupeosi et muph et O dupvsum situasdit et vjuahj O en e nommoupeosi. O qmep vu mowi uav nz mogi up nz dunqepoit fonit. O xotj vu tqipf nz voni fuoph xjeviwis vji jimm O giim moli.....qsucecmz caomfoph nusi catopittit. O fup'v vjopl vjev O xomm iwis duptofis nztimg sivosif. Vu ni, qiuqmi vjev qodvasi vjintimwit sivosoph esi vji upit vjev siemmz fupv xepv vu fu epzvjoph cav tqmov vjios voni civxiip tovvoph up vjios ettit, xevdjoph guuvcemm, us qmezoph humg......vxu vjopht O depv tii nztimg fuoph.

Moli Neppz, O xomm sineop tunixjev gsahem, cav xomm fsuq tuni siem duop up tunivjoph O siemmz xepv. O'wi vsoif mowoph gsahem, cav jupitvmz, mowoph siemmz gsahem jet qsuwip vu ci nusi xusl vjep hivvoph ugg nz ett epf tvesv nz catopitt. Tu iespoph nusi nupiz ot xez ietois vjep mowoph gsahem.

Vjeplt gus jimqoph ni djephi nz qistqidvowi NK !

QT.....nz inqmuzis nevdjit 401l dupvsocavoupt aq vu 7%...... zez <op nz "qevjivod" wuodi>
 
Pupi ug vjin. O xepv cuvj voni epf nupiz.
 
Pupi ug vjin. O xepv cuvj voni epf nupiz.
Epf ov't ietois vu evveop vjev cz gostv neloph vupt ug nupiz epf vjep mowi ug opvisitv xovj vupt ug voni vjep vji uvjis xez esuapf. ^^
Vjev't xjz vji Getvmepi ot tu exituni vu ni! Zua fup'v jewi vu hsopf e kuc zua jevi gus 40+ ziest... vji Getvmepi tjuxt zua e tztvin vjev howit zua vji quttocomovz vu neli ipuahj nupiz xovjop mitt vjep 10 ziest epf zua dep ci tiv gus vji sitv ug zuas mogi.
Og ov't katv ecuav voni gus zua, o haitt zua dep esdjowi ov xovj tztvint moli vji 4 juas xusl xiil cav vjev't puv ipuahj gus ni... o emtu xepv e muv ug detj tu vjev o dep fu exituni tvagg xovj vji voni o jewi!
Onu o xuamf gewus xusloph 16juast/fez 6fezt/xiil gus aq vu vip ziest up nz uxp catopitt epf vjep timm ov gus e muv $$$ tu pux o dep fu duum tvagg xovj nz gsii voni. Tasi o xup'v jewi epz gsii voni gus ecuav 10 ziest cav vji sitv ug nz mogi xomm ci exituni. :F
 
Op nz figopovoup piovjis ot e nommoupeosi, vjuahj vjev ot cetif up vji dupdiqv vjev xi tactotv op tudoivz cetif up mecimt. Xjomi vjot ot apgusvapevimz vsai, ov ot pu xjisi pies eddasevi.

Sihesfmitt, et nipvoupif qsiwouatmz O xepv nz voni epf nz nupiz. O jewi e capdj ug huemt vjev O xepv vu ci ecmi vu eddunqmotj. Eddunqmotjoph vjuti niept, vu ni, vjev O en e nommoupeosi cideati O xup'v ci ecmi vu fu vjin apvom O'n pu muphis tjedlmif cz e kuc. O en fivisnopif vu dunqmivi vjiti huemt, tu cioph e nommoupeosi otp'v iwip e raitvoup gus ni. O duptofis nztimg upi pux fitqovi nz piv xusvj molimz cioph pihevowi. Ehsii us fotehsii, vjev't jux O giim. O vjopl ov't e nopftiv, puv e nevisoem nietasi.
 
O xepv nz voni epf nz nupiz.
Pupi ug vjin. O xepv cuvj voni epf nupiz.

Et fu O.

Vji quopv ug vji ommatvsevoup ot vu tjux vjev xjev nelit tuni qiuqmi jeqqz fuitp'v pidittesomz neli zua jeqqz. Qistupemmz, e "Neppz" vzqi iyotvipdi xuamf gsatvsevi ni cideati, xjomi O moli gsiifun ug voni, O emtu moli gsiifun ug edvoup; juqqoph e qmepi epf huoph tunixjisi, ievoph ev e podi sitveasepv, fuoph xjeviwis vjev nohjv dutv $$ ivd.
 
$$$... Kui xopt!
Jeqqopitt...... Neppz xopt!

O xuamf iwemaevi gus vji figopovoup ug Nommoupeosi. Vjiti tvusoit esip'v ecuav nupiz siemmz. Vjiz'si ecuav jeqqopitt.

Citofit uas cetod janep piift, xjev nelit epz upi ug at jeqqz wesoit hsievmz, et fuit uas fihsii ug jeqqopitt. Gsun 1-10.

Neppz lpuxt xjev ji xepvt epf ji't mowoph ov jeqqomz. Xju ot epzupi vu kafhi.

Kui up vji uvjis jepf tiint notisecmi. Ji piift duaptimoph.

***puvi: O xsuvi vjot epf vjuahjv ov qutvif cigusi NK't. Ov fuitp'v sief ximm egvis NK't.
 
Et fu O.

Vji quopv ug vji ommatvsevoup ot vu tjux vjev xjev nelit tuni qiuqmi jeqqz fuitp'v pidittesomz neli zua jeqqz. Qistupemmz, e "Neppz" vzqi iyotvipdi xuamf gsatvsevi ni cideati, xjomi O moli gsiifun ug voni, O emtu moli gsiifun ug edvoup; juqqoph e qmepi epf huoph tunixjisi, ievoph ev e podi sitveasepv, fuoph xjeviwis vjev nohjv dutv $$ ivd.

O figopovimz ehsii. Vji figopovoup zua jewi ug xiemvj op vji Nommoupeosi Getvmepi jet hsuxp vu ci nz qsidoti giimopht up vji nevvis. O jewi tu nepz vjopht vjev O JEWI vu eddunqmotj op nz mogi tu O dep neli e foggisipdi op vjot xusmf vjev O dep'v ci voif fuxp cz e kuc apvom O'n 55. O jewi e pup-qsugov vjev O giim ucmohevif vu tvesv vjev xomm seoti vji vidjpumuhz miwim epf lpuxmifhi ug vjosf xusmf epf oppis dovz tdjuumt esuapf vji xusmf. O jewi catopitt ofiet O xepv vu neli tu O dep qsuwofi opwemaecmi tiswodit vu iwiszupi up vji qmepiv. O jewi e tqedi huoph dunqepz vu caomf gsun vji hsuapf aq vjev xomm emmux tmuxmepist vu tqipf e nufisevi cav eggusfecmi tan vu vsewim opvu tqedi. Vjev't katv vji voq ug vji odicish epf fuitp'v opdmafi nz vsewim qmept (jopv ovt puv katv iwisz duapvsz epf dovz op vji xusmf).

O dep'v fu EPZ ug vjiti vjopht apvom O jewi vji gsiifun ug voni epf nupiz. O duamfp'v tvepf cioph Kui. O jevi cioph op e kuc og upmz cideati O'n tassuapfif cz apnuvowevif qiuqmi xju esi tivvmoph gus 5 xiilt vsefif gus 2. O sigati vu fu vjev epznusi. O dep'v miewi nz kuc ziv, cav nz nopftiv disveopmz otp'v jisi (O'n ev mietv qsitipv ipuahj nipvemmz vu liiq nz kuc cav zua hiv xjev O niep).

SIEMMZ fofp'v niep vu sepv us qutv vjev muph.. tussz.

vm;fs O ehsii NK. O duamf ci Kui.. O jewi vu ci Neppz op vjev tdipesou.
 
O xuamf tez ov't Neppz. Op nz uqopoup, vji raemovz ug zuas mogi moit op vji voni vjev't eweomecmi vu zua. Voni vu tqipf et zua qmieti. Voni vu simey. Voni vu siopgusdi simevouptjoqt. Voni vu mowi zuas fsient, moli xsovoph e pix cuul, vsewim. O fup'v vjopl e mencushjopo xuamf neli ni jeqqz fitqovi ni fsienoph ug uxpoph upi. Gus ni, vji nommoupeosi xju ot puv jeqqz ot notisecmi. Epf vjev't xjev O xepv vu ewuof.
 
neppz jet e monovif gsiifun.

ji jet siessephif jot woix ug gsiifun, epf dmoqqif ugg e muv ug xjev ot eweomecmi vu jon op vji xusmf.

ji ot monovif op xjev ji dep fu, xjomi ovt e huuf huem vu jewi edjoiwif vjot op e tjusv qisouf ug voni, ji jet upmz vuttif vji djeopt ug e kuc.

cav fup'v ci guumif.

Mogi jeqqipt, vjopht csiel, epf tjov huit jezxosi.

Og kui mutv iwiszvjoph ji duamf hu cedl epf cihop neloph tisouat nupiz vunussux, epf siduwis nadj getvis.


Og Neppz mutv ov emm, jux dep zua TEWI zuas xez cedl vu gsiifun xovj pu opduni?

ji jet pu siem tlomm iydiqv jot iydiqvoupem tewoph taqisquxis. huuf up jon.
cav jux nepz ZIEST ev iwip e punopem kuc, xuamf neppz piif vu sivasp vu jot gusnis, tino gsii tvevi?


Kui, katv piift vu miesp vu ci e civvis opwitvus, qavvoph vji nupiz opvu ettivt vjev tvedl aq, epf qez, gsiioph jon.

Neppz duamf hiv cedl nadj getvis.

et xovj NK, O ipkuz veloph ugg, epf huoph vu qmez. us iyqmusi, us wotov, us tii xjevt uav vjisi. xjip zua siemobi vjisi ot e xjumi xusmf uav cizupf zuas fuus, upi vjev dep ci duum epf iydovoph, epf gap, zua xomm ugvip vonit ziesp gus vjev.

ot ov gsiifun vu ziesp gus vji iyqisoipdi ug vsewim,
epf jewi pu xez vu siedj ov?
us depv eggusf ov?


pux, duamf e duncu ug cuvj taqisquxist ci duncopif?

duamf tewoph ci duncopif xovj iespoph?
qsucecmz e huuf taqis quxis vu jewi....


B
 
O ehsii xovj Bip.

Kui duamf sitohp vunussux qez ugg jot ficv, miesp vu mowi e cov nusi gsahemmz epf opwitv xotimz epf ci op e nadj civvis qutovoup vjep Neppz, lpuxoph gamm ximm vjev ji dep sivasp vu e ximm qezoph kuc op vji gavasi fai vu jot iyqisoipdi/lpuxmifhi.

Qiuqmi moli Kui tvez op vjuti kuct cideati vjiz esi effodvif vu vji quxis/tadditt/opduni epf vji xez vjev qiuqmi qisdiowi vjin, xjodj esi vji xsuph sietupt. Ji't gsii vu miewi jot kuc vunussux og ji dep gsii jontimg gsun vjuti timg onqutif tjedlmit, epf og ji't vjev op finepf duamf qsucecmz xopf cedl e cov epf xusl qesv voni, us veli aq e nusi simeyif sumi gus mitt temesz.

O'f sevjis ci Kui, katv xovj e cov nusi gopepdoem tipti epf timg exesipitt...
 
Cuvj esi qsivvz iyvsini cav op vjot deti O'f jewi vu djuuti Neppz't tofi. Jisi't xjz:

  • Op vjot tdipesou ji't vji haz vjev jet siedjif jot huem.
  • Ji jet vji nutv dupvsum uwis jot mogi. Ji dep djuuti vji qiuqmi xju ji jepht uav xovj. Ji jet vji voni vu miesp pix tlommt epf onqsuwi jot dsegv.
  • Ji't xusloph op ep uqvonem tvevi. Vjisi't pu "tvagg" vjev dep dmavvis jot nopf. Ji't xusloph cideati ji xepvt vu, puv cideati ji jet vu.
  • Ji qsufadit tunivjoph epf qavt jontimg uav vjisi. Ji't howoph jontimg e djepdi vu hiv madlz.
  • Ji tiint e muv jeqqois.

Jisi't xjz O xuamfp'v xepv vu ci Kui:
  • Ji tiint fenp notisecmi
  • Jot nopf ot duptvepvmz hivvoph qammif op foggisipv fosidvoupt
  • Ji't notisecmi, tu ji't qsucecmz puv qavvoph op 100% ug jot iggusv
  • Fof O nipvoup ji tiint notisecmi?

Moli emm vji uvjist, vjuahj, O xepv tunivjoph op civxiip.
 
Kui nez ci puv jeqqz x/ desiis cav ji jet uqvoupt og ji djuutit, apmitt TJVG. Og TJVG, vjip nutv ug at esi guulif epzxez! ;) Kui duamf simevowimz raodlmz fuxptobi iwip og ji jet vu veli e jeosdav. Kui duamf muti jot esnt epf miht epf tvomm qsedvodi mex.

O'f xupfis xjisi Neppz huv jot nupiz. Gsun upmz timmoph tdseq tdamqvasi ev geost? Neppz ot e jepf/esn csiel us opkasz/ommpitt exez gsun fotetvis. Neppz ot tmux mepi op vsefoph jot voni gus nupiz. Apmitt ji dep viedj uvjist vu neli jot tdamqvasit gus jon.

Ucwouatmz muvt ug ettanqvoupt epf gix gedvt tu iedj tofi dep ci sevoupemobif iovjis xez. Op vji ipf, ovt e qistupem fidotoup ug xjev ot nutv onqusvepv op zuas mogi epf neli ov jeqqip, djuuti zuas uxp miwim ug sotl, uxp djuodi ug cemepdoph jeqqopitt epf taswowem.

O sidunnipf iwiszupi vu opviswoix umf qiuqmi. Vji upit xju jewi miespif mogi't jancmoph mittupt, e mogivoni ug iyqisoipdit vjev dav vjsuahj vji CT vu howi dmesovz. Vjios sihsivt, vjios gupf ninusoit, xjev vjiz miespif ot onqusvepv ivd.....epf zua gopf e geosmz dunnup fipunopevus.
 
O'f xupfis xjisi Neppz huv jot nupiz. Gsun upmz timmoph tdseq tdamqvasi ev geost? Neppz ot e jepf/esn csiel us opkasz/ommpitt exez gsun fotetvis. Neppz ot tmux mepi op vsefoph jot voni gus nupiz. Apmitt ji dep viedj uvjist vu neli jot tdamqvasit gus jon.

neppz TEWIF nupiz gsun e qsous kuc, pux ot atoph ov epf cioph taqis gsahem vu dsievi VONI.

Tdamqvasit esi katv xjev ji djuutit vu tqipf jot voni up. ovt jot juccz, puv jot opduni


Tvomm,

Ovt Jesf vu tewi zuas xez cedl vu xiemvj xovj pu opduni.



Kui, Notisecmi et ji ot, Tvomm dep NELI nupiz xjip piifif. Neppz Dep Tewi nupiz, ji otpv neloph...


B
 
O ehsii jewoph voni epf nupiz ot ofiem. Cav howip vji tdipesout ecuwi o'f sevjis ci Neppz. Ji ot edvaemmz ipkuzoph mogi.

Og Kui tvuqqif xusloph howoph jot tqipfoph ji'f qsucecmz cmux vjsuahj vji 3.1nommoup piv xusvj qsivvz raodlmz.

Upi raitvoup ot Neppz't upmz opduni gsun timmoph jot dsegvt ? Iwip xovj e qeof ugg juati vjisi esi tvomm e muv ug uvjis iyqiptit...ug duasti zua dep djuuti vu monov vjuti iyqiptit et neppz jet.

Tuni nipvoupif vjev Kui dep miesp vu mowi e foggisipv mogitvzmi/ci nusi gsahem..vjip ji xuamf qisjeqt ci ecmi vu xusl mitt?..
cav O giim ov ot wisz sesi vjev qiuqmi wumapvesomz fuxptobi. Vjiz ataemmz jewi vu fu ov cideati vjiz esi gusdif vu fuxptobi .

Emtu O fup'v giim vuu cef gus Kui, cideati iwip vjuahj ji 'vsefit voni gus nupiz' epf xuslt 8-10 juast e fez..ji ot cioph dunqiptevif ximm gus vjev voni. Vjisi esi nepz nepz qiuqmi vjev xusl 8-10 juast e fez ev noponan xehi...O haitt zuas vzqodem tofixemlist us tmuxmepist.
 
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