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warren buffet
21 Ways Rich people think differently
1.Average people think MONEY is the root of all evil. Rich people believe POVERTY is the root of all evil.

"The average person has been brainwashed to believe rich people are lucky or dishonest," Siebold writes.

That's why there's a certain shame that comes along with "getting rich" in lower-income communities.

"The world class knows that while having money doesn't guarantee happiness, it does make your life easier and more enjoyable."
2. Average people think selfishness is a vice. Rich people think selfishness is a virtue.

"The rich go out there and try to make themselves happy. They don't try to pretend to save the world," Siebold told Business Insider.

The problem is that middle class people see that as a negative––and it's keeping them poor, he writes.

"If you're not taking care of you, you're not in a position to help anyone else. You can't give what you don't have."

3. Average people have a lottery mentality. Rich people have an action mentality.

"While the masses are waiting to pick the right numbers and praying for prosperity, the great ones are solving problems," Siebold writes.

"The hero [middle class people] are waiting for may be God, government, their boss or their spouse. It's the average person's level of thinking that breeds this approach to life and living while the clock keeps ticking away."

4. Average people think the road to riches is paved with formal education. Rich people believe in acquiring specific knowledge.

"Many world-class performers have little formal education, and have amassed their wealth through the acquisition and subsequent sale of specific knowledge," he writes.

"Meanwhile, the masses are convinced that master's degrees and doctorates are the way to wealth, mostly because they are trapped in the linear line of thought that holds them back from higher levels of consciousness...The wealthy aren't interested in the means, only the end."

I Love Lucy screencap5. Average people long for the good old days. Rich people dream of the future.

"Self-made millionaires get rich because they're willing to bet on themselves and project their dreams, goals and ideas into an unknown future," Siebold writes.

"People who believe their best days are behind them rarely get rich, and often struggle with unhappiness and depression."

6. Average people see money through the eyes of emotion. Rich people think about money logically.

"An ordinarily smart, well-educated and otherwise successful person can be instantly transformed into a fear-based, scarcity driven thinker whose greatest financial aspiration is to retire comfortably," he writes.

"The world class sees money for what it is and what it's not, through the eyes of logic. The great ones know money is a critical tool that presents options and opportunities."

7. Average people earn money doing things they don't love. Rich people follow their passion.

"To the average person, it looks like the rich are working all the time," Siebold says. "But one of the smartest strategies of the world class is doing what they love and finding a way to get paid for it."

On the other hand, middle class take jobs they don't enjoy "because they need the money and they've been trained in school and conditioned by society to live in a linear thinking world that equates earning money with physical or mental effort."
8. Average people set low expectations so they're never disappointed. Rich people are up for the challenge.

"Psychologists and other mental health experts often advise people to set low expectations for their life to ensure they are not disappointed," Siebold writes.

"No one would ever strike it rich and live their dreams without huge expectations."

Average people believe you have to DO something to get rich. Rich people believe you have to BE something to get rich.

"That's why people like Donald Trump go from millionaire to nine billion dollars in debt and come back richer than ever," he writes.

"While the masses are fixated on the doing and the immediate results of their actions, the great ones are learning and growing from every experience, whether it's a success or a failure, knowing their true reward is becoming a human success machine that eventually produces outstanding results."

10. Average people believe you need money to make money. Rich people use other people's money.

Linear thought might tell people to make money in order to earn more, but Siebold says the rich aren't afraid to fund their future from other people's pockets.

"Rich people know not being solvent enough to personally afford something is not relevant. The real question is, 'Is this worth buying, investing in, or pursuing?'" he writes.
11. Average people believe the markets are driven by logic and strategy. Rich people know they're driven by emotion and greed.

Investing successfully in the stock market isn't just about a fancy math formula.

"The rich know that the primary emotions that drive financial markets are fear and greed, and they factor this into all trades and trends they observe," Siebold writes.

"This knowledge of human nature and its overlapping impact on trading give them strategic advantage in building greater wealth through leverage."

12. Average people live beyond their means. Rich people live below theirs.

"Here's how to live below your means and tap into the secret wealthy people have used for centuries: Get rich so you can afford to," he writes. 

"The rich live below their means, not because they're so savvy, but because they make so much money that they can afford to live like royalty while still having a king's ransom socked away for the future."

13. Average people teach their children how to survive. Rich people teach their kids to get rich.

Rich parents teach their kids from an early age about the world of "haves" and "have-nots," Siebold says. Even he admits many people have argued that he's supporting the idea of elitism.

He disagrees.

"[People] say parents are teaching their kids to look down on the masses because they're poor. This isn't true," he writes. "What they're teaching their kids is to see the world through the eyes of objective reality––the way society really is."

If children understand wealth early on, they'll be more likely to strive for it later in life.

14. Average people let money stress them out. Rich people find peace of mind in wealth.

The reason wealthy people earn more wealth is that they're not afraid to admit that money can solve most problems, Siebold says.

"[The middle class] sees money as a never-ending necessary evil that must be endured as part of life. The world class sees money as the great liberator, and with enough of it, they are able to purchase financial peace of mind."
15. Average people would rather be entertained than educated. Rich people would rather be educated than entertained.

While the rich don't put much stock in furthering wealth through formal education, they appreciate the power of learning long after college is over, Siebold says.

"Walk into a wealthy person's home and one of the first things you'll see is an extensive library of books they've used to educate themselves on how to become more successful," he writes.

"The middle class reads novels, tabloids and entertainment magazines."

16. Average people think rich people are snobs. Rich people just want to surround themselves with like-minded people.

The negative money mentality poisoning the middle class is what keeps the rich hanging out with the rich, he says.

"[Rich people] can't afford the messages of doom and gloom," he writes. "This is often misinterpreted by the masses as snobbery.

Labeling the world class as snobs is another way the middle class finds to feel better bout themselves and their chosen path of mediocrity."

17. Average people focus on saving. Rich people focus on earning.

Siebold theorizes that the wealthy focus on what they'll gain by taking risks, rather than how to save what they have.

"The masses are so focused on clipping coupons and living frugally they miss major opportunities," he writes.

"Even in the midst of a cash flow crisis, the rich reject the nickle and dime thinking of the masses. They are the masters of focusing their mental energy where it belongs: on the big money."

18. Average people play it safe with money. Rich people know when to take risks.

"Leverage is the watchword of the rich," Siebold writes.

"Every investor loses money on occasion, but the world class knows no matter what happens, they will aways be able to earn more."

19. Average people love to be comfortable. Rich people find comfort in uncertainty.

For the most part, it takes guts to take the risks necessary to make it as a millionaire––a challenge most middle class thinkers aren't comfortable living with.

"Physical, psychological, and emotional comfort is the primary goal of the middle class mindset," Siebold writes.

World class thinkers learn early on that becoming a millionaire isn't easy and the need for comfort can be devastating. They learn to be comfortable while operating in a state of ongoing uncertainty."

20. Average people never make the connection between money and health. Rich people know money can save your life.

While the middle class squabbles over the virtues of Obamacare and their company's health plan, the super wealthy are enrolled in a super elite "boutique medical care" association, Siebold says.

"They pay a substantial yearly membership fee that guarantees them 24-hour access to a private physician who only serves a small group of members," he writes.

"Some wealthy neighborhoods have implemented this strategy and even require the physician to live in the neighborhood."

21. Average people believe they must choose between a great family and being rich. Rich people know you can have it all.

The idea the wealth must come at the expense of family time is nothing but a "cop-out", Siebold says.

"The masses have been brainwashed to believe it's an either/or equation," he writes. "The rich know you can have anything you want if you approach the challenge with a mindset rooted in love and abundance."
A wise man should have money in his head
The richest person is not the one who has the most, but the one who needs the least.- unknown 
The happiest people don’t have the best of everything.
They just make the best of everything! ‘Money can’t buy you happiness but it does bring you a more pleasant form of misery
Money was never a big motivation for me, except as a way to keep score. The real excitement is playing the game.- Donald Trump 
 If retirement is a time to write a new chapter in your life, start writing the chapter now!- unknown
 A wise man should have money in his head, but not in his heart.- Jonathan Swift
 If you enjoy what you do, you will never work a day in your life.- Aristotle 
The secret to a successful retirement is to find your retirement sweet spot.  The sweet spot is where your passions, what you do best, and what people will pay you to do overlap.- Jim Collins
An investment in knowledge pays the best interest.
-Benjamin Franklin 
We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.-
Warren Buffett 
In this business if you’re good, you’re right six times out of ten. You’re never going to be right nine times out of ten.-Peter Lynch
 Many of the biggest and most far-reaching investments we make in our lives are investments that have little or nothing to do with money.-Daniel Quinn
 A Car’s WINDSHIELD is so large & the Rearview Mirror is so small because our PAST is not as important as our FUTURE. Look Ahead and Move on.- unknown 
“Investing is an inexact science. It is better to be approximately right than precisely wrong.”
-    George Hartman
“There are two rules to investing:
Rule #1 – Never Ever Lose Money
Rule #2 – Never Ever Forget Rule #1″
-    my mother“
Investors always do the wrong things at the wrong time.
They buy when they should sell and they sell when they should buy.”
-    Nick Murray
“Quality is never an accident; It is the result of intelligent efforts.”
-    John Ruskin
“Knowing is not enough…we must apply;
Willing is not enough…we must do.”
-    Goethe
Nobody is born a great investor. It takes hard work, discipline and determination.”
-    Thomas White Jr,
“Investing without research is like playing stud poker without looking at the cards.”
-    Peter Lynch
Money is better than poverty, if only for financial reasonsIf you don’t know where you are going, any road will do.”
-    Confucius
To invest successfully over a lifetime does not require stratospheric I.Q., unusual business insight or inside information. What is needed is a sound intellectual framework for making decisions and the ability to keep emotions from corroding that framework.”
-    Warren Buffet
Once you begin taking care of your money,  can promise that your money in turn will take care of you.”
Money is better than poverty, if only for financial reasons.”
-    Woody Allen
Every morning I get up and look through the Forbes list of the richest people in America. If I’m not there, I go to work.”
-    Robert Orben
Once you begin taking care of your money,  can promise that your money in turn will take care of you.”
-    Suze Orman
Bank accounts are like toothpaste: easy to take out but hard to put back in.”
-    Robert Ackerstrom
“There are two things needed in these days: first for rich men to find out how poor men live and second for poor men to know how rich men work”
  E. Atkinson
The true secret of success in the investment and speculative world is not so much which good securities to buy, but rather which investments to avoid.”
-    Morton Shulman
The best things in life are free, but the next best things are expensive” 
In the investment game, risk and return are inseparable.”
-    Donald Kurtz
“Everyone has the brain power to make money in stocks. Not everyone has the stomach.”
-    Peter Lynch
A bank is a place that will lend you money if you prove you don’t need it.”
-    Bob Hope
An economist is an expert who will know tomorrow why the things he predicted yesterday didn’t happen.”
-    Earl Wilson
The hardest thing to understand is income tax.”
-    Albert Einstein
People who complain about taxes fall into two categories -
men and women.”
-    Barry Steiner
“Anyone who believes that Canada’s only two official languages are English and French has never read the Income Tax Act.”
-    Marc Denhez
”The best way to predict the future is to create it.”
-    unknown
”When you get to the end of your rope, tie a knot and hang on!”
-    Franklin D. Roosevelt
Your ultimate success or failure will depend on your ability to ignore the worries of the world long enough to allow your investments to succeed.  It isn’t the head but the stomach that determines the fate of the stock-picker”
  Peter Lynch
”One of the safest times to invest is when the news is awful and markets are depressed:  the time of deepest gloom”
-    John Train
“History has shown that the contrarian attitude has always paid off over time.  We are not about to defy history.”
-    Michael Lee Chin
October is one of the most dangerous months to speculate in stocks.
The others are January, February, March, April, May, June, July, August, September, November and December.”
-     Mark Twain
Whether you think you can or can’t, you’re right.”
-    Henry Ford
“The best things in life are free, but the next best things are expensive”
-    Gail Val Oxlade
“The wealthiest people in the world aren’t those with the most stuff.  They are the ones who manage their lifestyle the best.”
-    Diane McCurdy
“There is nothing new in the world except the history you do not know.”
-    Harry S Truman
“History never repeats itself, but it often rhymes.”
-    Sir John Templeton
“You need to be greedy when others are fearful and fearful when others are greedy.”
-    Warren Buffet
“Good Research Leads to Good Decisions.”
-    Jim Yih
Every waking moment is another chance to turn things around and change your life.”
-    From the movie Vanilla Sky
It’s not about getting what you want. It’s about wanting what you got.”
-    Sheryl Crow
“This time is different” are among the most costly four words in history.”
-    Sir John Templeton
“Diligence is the mother of good luck.”
-    Ben Franklin
“Whether you think you can or can’t, you’re right.”
-    Henry Ford
”Money goes where it is appreciated and stays where it is treated best.”
-    unknown “There is no way to know before experiencing.”
-   Dr. Robert Anthony
“Some men see things as they are and ask why. Others dream things that never were and ask why not.”
-   George Bernard Shaw
I don’t know the key to success, but the key to failure is to try to please everyone.”
“I don’t know the key to success, but the key to failure is to try to please everyone.”
-    Bill Cosby
“God gave people a mouth that closes and ears that don’t, which should tell us something.”
-    unknown
“There are times when silence has the loudest voice.”
-    Leroy Brownlow
“Experience is a hard teacher because she gives the test first, the lesson afterwards.”
-    Vernon Sunders Law
“He who begins many things finishes but a few.”
-    Italian proverb
Children need you presence more than your presents.”
“Children need you presence more than your presents.”
-    Jesse Jackson
“Yesterday is dead, tomorrow hasn’t arrived yet.  I have just one day, today, and I’m going to be happy in it”
-    Groucho Marx