GRACE KALU

MILLIONARE

SECRETS

24 LESSONS FROM A MILLIONARE AT 24

GRACE KALU

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DISCLAIMER

This book and the content provided therein are simply for educational
purposes and show the lessons learnt by the author by her twenty-fourth
birthday. All information contained in this book is deemed accurate at the
time of publishing. However, this is not an exhaustive treatment of the
subjects and expert opinions may differ.

Any use of this information is at your own risk. the author does not assume
and hereby disclaims any liability to any party, or any loss, damage, or
disruptions caused by errors or omissions resulting from accident,
negligence, or any other cause.

No guarantees of income or profits are intended by this book. Many variables

affect different individual’s results. Your results will vary from the results
given. The author does not accept responsibility for your results. If you wish
to apply ideas contained in this book, you are taking full responsibility for
your choices, actions, and results.

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MILLIONAIRE SECRETS

Copyright © 2020 Grace Kalu.

All rights reserved. No part of this publication may be reproduced,

distributed, or transmitted in any form or by any means, including
photocopying, recording, or other electronic or mechanical methods, without
the prior written permission of the publisher, except in the case of brief
quotations embodied in reviews and certain other non-commercial uses
permitted by copyright law.

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CONTENTS

Legal Disclaimer

Copyright

Dedication

Introduction: How Millionaires Are Made

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DEDICATION

This book is dedicated to everyone who is ready to live a life of success,

freedom, and possibilities. You can be anything you set your mind to be. You
are a rare Gem and in you is locked the potential to change the world.

The world is your stage, you can take advantage of every resource it has to
offer. You deserve to live your best life, open your heart and take the
necessary action to be the best you can be

You are a rare Gem!

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INTRODUCTION:

How Millionaires Are Made

This book is the culmination of 24 years of research, and personal experience

on the secrets of millionaires. These pages contain the key ideas and
strategies I have discovered in reading hundreds of books and thousands of
articles about wealth accumulation and practicing them in my own life,
making mistakes and learning from them while having the desired results.
The ideas and strategies are presented in a simple, tested, proven, easy-to-
use format so that you can learn and apply them immediately.

I wasn't born with a silver spoon, in fact, I don't know the kind of spoon I was
born with, knowing this made me change my narrative understanding that
my fight is different.

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In Primary or grade School, our Oxford English text had a story about a man
who didn't like to do anything, he would send different people on errands
and always believed that they would be delivered properly. One day, this man
went to his farm to check what was being achieved and discovered that the
work he was expecting was not being done the way he wanted it to be. The
moral of that story was that if you want anything done and you want it done
the way you want it then you must do it yourself.

I learnt this very early in my life that I am responsible for the outcome of my
life, not my parents, not my teachers, not my siblings or friends but me.
When I started taking responsibility, I noticed that everything began to
change for me. I had greater results than I normally would have, and I
became unstoppable because my greatest power lies within me.

This book contains lessons from my life and shows documented secrets and
principles which has made me millions repeatedly.

If you are reading this book with a preconceived notion that life is going to
be handed to you then you are wrong. If you are reading this book believing
that you can become an overnight millionaire, then you must be prepared to
work all night.

There are principles of life, principles to success, and principles of money, I

have learnt that you cannot disregard these principles and expect to succeed,

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however, once you begin to apply them you will begin to see doors and paths
open. It’ll appear as though the entire universe is conniving to prosper you.

I will be revealing 24 lessons I have learnt from making millions and losing
millions as well in this book. These “millionaire secrets” are the keys to great
success in every area of life, whether you make a lot of money or not. These
principles are so powerful that you can apply them to accomplish almost
anything you really want.

Many of these methods and techniques will seem familiar to you. This is
because they have been discovered and rediscovered for hundreds of years. I
see myself more as a student of success than as an originator or creator of
new concepts. I believe as it says in Ecclesiastes, “There is nothing new under
the sun.”

I believe since you are reading this book, one of your great goals in life is to
become an extraordinary person and gain financial freedom and confidence
and to realize more and more of your true potential. If you would imbibe
these millionaire secrets into your life and business you would also see the
results I have seen, because these lessons will take you faster and more
rapidly to the ideal life you desire.

Grace Kalu

September, 2020

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LESSON 1

Get Your Money Mindset Right

T
he day I realized that everything begins in my mind my entire life
changed because I now had the key source in establishing my life
and finances. Today I'm telling you that everything is in the mind, it
starts in your mind.

In 2012, While in school, there was a building I disliked a lot and always
complained about, one day my friend got tired of me and made the most
profound statement. He said “Grace if you can destroy this building in your
mind, it'll only take a while before you bring it to the ground. I argued with
him until I stopped to think about it, and it dawned on me that anything I

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could successfully achieve in my mind, the strength to take action would

become easier.

I began applying the principle to everything in my life and soon began to see
massive changes.

You see, to become a millionaire, you must start thinking like millionaires.
You can't use the same mindset that got you thousands to make millions.
Your money mindset must change, you need to get comfortable with big
numbers.

For a long time, my mind could not comprehend that having 100 billion was
possible and it is true, it wasn't possible for me because until you believe in
your heart that you can make millions, you will always be stuck at nine
hundred and ninety-nine thousand.

Change your mindset and your life will begin to change. T. Harv in his book
"The secrets of a millionaire mind" does justice to this mindset problem.

Do you know that there are many millionaires that make millions in seconds?

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Start believing in the possibility of making millions yearly, then monthly,

then weekly, then daily, then hourly, then in a minute, then in a second, then
in microseconds.

When your mind opens to this possibility, ideas on how to achieve them will
start coming together.

Let's play a game, if you could ask me for any amount, how much would you
ask for? Write it down

If you could make any amount, how much would you want to make? Write it
down

Multiply 1000 by 1000, now do it again, and again. Write down the figure
you stopped at.

We are doing this to find out the figure your mind is stuck at.

Once you've identified this, start intentionally getting acquainted figures

higher than that

Start thinking of ways you can make a million a month

Remember, the only barriers in your mind are the ones you set.

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LESSON 2

Become A Person of Value

I
n 2018, I was working in a job that I didn't exactly like, the salary was
not bad for a young lady of 22 either and it was somewhere I could have
easily settled into it. However, I was not fulfilled in that employment
and I wanted something different. I wanted to be someone different, I didn’t
find fulfillment there.

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I sat with myself and drafted an exit plan, this plan included how much I
should have saved up before leaving, how much knowledge I should have
gained, and the reason I wanted a change.

You should always have an exit plan no matter what you are doing, the exit
plan will help you achieve so much in less time. I didn't have everything
figured out, but I knew that I couldn't attract the success I had not become
hence I began to develop myself in the career path I thought I wanted.

Soon enough an opportunity showed up that would not have been beneficial
to me had I not developed myself.

It is important for you to note that just as you can't give what you don't have,
you can't attract who you are not.

A wise man once said that success is what you attract by who you are
becoming.

Millions of money will not flow into your life when you have not become the
kind of person who can accommodate them. Therefore, you must take the
pain to develop yourself. My finances didn't change until I went for
knowledge and information.

The more you know, the more you earn. Invest in building up yourself to
becoming a person of value.

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Learn to consume materials that contain information that would help

increase your perceived value. These materials could be in text, audio, video,
graphics, or even hybrid forms. It really doesn't matter if you are benefiting
from it.

You are your greatest investment, if you do not invest in yourself, you won't
have the capacity to earn the millions you desire.

Everything you desire in life rides on the collateral called "VALUE" which is
tied to who you are, to gain more money you must seek to solve problems
and give value in return. You will need to become the friend you need because
value calls for value.

Give knowledge, information, experience, and transformation in all you do,

and remember to become more valuable and everything you need will come
to you.

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LESSON 3

Dream Big Dreams

A
s a child, I was told the story of a boy named Joseph, Joseph had a
dream that one day his father, mother, and brothers would bow
down to him. When he told them, they didn't believe him and even
plotted to kill him.

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In the story, Joseph went through so many trials and ordeals, he was thrown
into a well, he was sold as a slave, he was accused, he was imprisoned, he was
beaten but one thing didn't change, and that one thing was his dream.

Even though Joseph's life took a turn of events that he hadn't anticipated,
the only thing that remained constant was his dream, and guess what? His
dream came through when his family bowed down to him.

The only way your dream can come through is if you have a dream.

Don't stop yourself from dreaming big, don't stop yourself from imagining a
perfect life.

Dream about the amount of money you would like to have and the amount
you would like to earn.

Fantasize about the perfect life you would like to live. Your journey to a
million dollars might just be based on this dream.

Dream about a life different and better than what you have today, imagine
that you had all the time, imagine that success was not negotiable, imagine
that you had all the experience, all the money, and all the resources to achieve

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what you would want to achieve in life. What kind of life would you want to
create for yourself?

When you can allow yourself to dream, you can begin to change your life
because it has been proven that you move in the direction of your most
predominant dreams.

Don't let the fear of failure stop you.

Like Joseph, there might be a turn of events but if you hold on to your dream,
it would definitely come to pass.

When you begin to dream big about your financial success, it changes the
way you see yourself, it changes the things you say about yourself, it changes
the way you perceive yourself.

This may not seem to influence you but gradually you will begin to do things
differently that would inadvertently change your life.

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LESSON 4

Start from A Place of Clarity

S
everal years ago, in the teenage department of our church, the teacher
asked us to carry out an exercise. She had explained to the teenagers
the power in being specific, she told us of how a man got a multi-
million dollar paying job because when he was asked where he saw himself
in five years, he described something like this.

"In five years, exactly today 25th January 2004, I would be standing in my
office holding a glass of coffee, looking out through the window, I have just
closed a deal worth $1 billion for XYZ company and I had been scheduled for
a meeting with the CEO of the company because he wanted to meet the young
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man who had been employed barely five years ago and had climbed up the
ladder so quickly while making innovations for the company".

The description was strangely specific and showed the company that the man
had the vision to enhance his career and build the company. She told us to
carry out a similar exercise and project our lives five years into the future.

It was a mind-altering situation for me because I had just been given the
power to create the future I wanted.

At the time, I didn't know that it is a psychological technique practiced by

phenomenal people called "back from the future thinking", it is simply
just that you are living your life from the future. This technique alters who
you are completely, it alters your thinking, behavior, and confessions.

This is how it works. Project yourself as far into the future as you want,
imagine that time has passed, and your life is now perfect. What does the
picture look like? What are you doing? Where are you in the world? How
much are you earning? How much are you worth? What is your life like? How
much do you have in investments? How much do you have in the bank? Who
are your friends?

The more clearly you see the vision for your life, finances, prosperity, and
other aspects of your life, the easier it is to bring the vision to reality.

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Document everything you have seen in the visualization exercise, that clear
mental picture you have created will make you more motivated, more
determined, and will make it come to you faster.

This place of clarity is where you should start from where you know your
outcome and successes before you even start.

The good thing about this is that you can do it as many times as you like and
in any aspect of your life.

There is so much power in clarity and being specific.

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LESSON 5

Create Goals and Actionable plans

G
oal setting was never one of my strong points, I used to like to
dream and imagine a lot, I would know what I wanted to achieve
but I was never ready to document it. I was never even ready to
transform those dreams or visions into goals.

Over time, I noticed that I wasn't achieving a lot, I was not getting any results.
My dreams and visions remained in my mind. As much as I liked having a lot
of wonderful things going on in my mind, I wanted to see them become a
reality.

One faithful day, I was listening to someone who said that goals give vision
wings to fly. He explained that when you create goals from your dreams and

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visions, you can monitor the progress you have made and then you can bring
your vision to pass.

Since you've already documented your vision, it's time to take that vision and
transform it into clear goals and actionable plans.

I learnt a seven-step formula for setting and achieving goals from Brian Tracy

First, decide exactly what you want in each area of your life, especially in your
financial life. Remember not to be afraid to dream big.

Second, write down your goals clearly and specifically. Something amazing
happens between your head and your hand when you put your goals in
writing.

Third, set a deadline for each goal. Set sub deadlines if a goal is big enough.
Give yourself a target to aim at.

Fourth, make a list of everything you can think of that you will have to do to
achieve each goal. As you think of new ideas, add them to your list until it is
complete.

Fifth, organize your list into a plan of action. Determine what you are going
to do first and what you will do later. Decide what is more important and
what is less important.

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Sixth, take action on your plan immediately. It is amazing how many

splendid goals and plans are never realized because of procrastination and
delay.

Seventh, and perhaps most important, do something every day that moves
you at least one step closer to your most important goal. This commitment
to daily action will make you a big success in anything you decide to
accomplish.

Following this seven-step process helped me not only to set and achieve goals
but also to build habits, deal with procrastination and fear and get massive
results in line with my dreams and visions.

Take this exercise: Take a sheet of paper and clearly label it goals with today's
date on it. Write down 10 goals you want to achieve in the next 6 months.
Write them down as though the 6 months have elapsed, and you have already
achieved them.

Start with the most important goal to you by asking yourself which would
have the greatest impact on you. Set timelines and action plans on it.

Don't forget to reevaluate and readjust your goals from time to time.

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LESSON 6
Start Small and Build

T
he journey of a thousand miles begins with a step is perhaps the
oldest message I have heard. While some have argued its
authenticity, I strongly believe that it motivates one to just start.
The journey will not get shorter unless you start.

You are where you are today because of the opportunities you took or the
opportunities you missed.

In my leisure time one day, I took the time to go through the profiles of the
big names in the digital space today. I was looking for the time when they
started and one thing that stood out to me is that they all just started as they
were. They didn't wait till they got it all figured out, they kept moving and
figuring it out as they moved further in their journey.

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Perfection and procrastination are the greatest thieves that steal your
destiny. While perfection says you must get it right from the beginning,
procrastination says you can do it tomorrow.

While you are waiting for it to be perfect others are making mistakes and
gaining experience, they are figuring out better ways to do it.

The first investment I made was in "MMM" a popular Ponzi scheme in

Nigeria at the time. I was a little over 18 years when my friend introduced me
to it and we agreed that we would try it. By the time MMM closed down in
Nigeria the first time in December 2016, we lost over ($10,000) 2 million
naira at that time.

I didn't know anything about investments, I didn't know how to check

investment opportunities, I didn't even know what Ponzi schemes were but
if I didn't take that step I wouldn't be where I am today with the lessons and
experiences I have gathered.

Experience trumps perfection every day.

Stop waiting for the time when you have it all figured out, stop waiting for
the time when you will start big. Just start where you are and continue
building, build your character, build your lessons, build your stories, build
your experiences and all these will be the building block to get you to the top.

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Stop waiting till your first step is in a plane, you can trek if necessary but
begin the journey.

Stop waiting for perfection, You'll perfect it as you move!

The more you wait, the more you are losing time and time isn't waiting for
you.

Start small and build your way to the top!

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LESSON 7
Build Quality Relationships

T
he greatest gift I have received in my life is the gift of men.

In 2018, I had saved up some good amount of money and it was in

my bank account, I started living like a big girl, spending money without
thinking.

I was giving out a lot of loans to people, without any thoughts on when the
money will come back, I was buying anything that I wanted because I felt I
had arrived.

I was already planning to buy a car from my savings, not that buying a car is
wrong, it just was not the right time for me. I was casually discussing with

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my friend one evening, telling him how I have bought an expensive gadget
and mentioned that I was planning to buy a car.

He looked at me as though I had grown an extra head, I became very

uncomfortable and asked him what I had done wrong, he didn't respond he
just smiled. After some minutes, he asked how much I had saved up, I told
him, he smiled again, and I knew I had definitely said something wrong. He
finally spoke to me and I will never forget what he said, he said "Grace if you
keep spending your savings, you will always work because you will have
nothing to work for you"
This is a vital point you should note. Never eat your seeds, rather invest,
invest and keep investing.
My friend saved me from something that would have been a costly mistake

Relationships are truly important if you would move forward in your life and
finances.

You take on the attitudes, behaviors, values, and beliefs of the people with
whom you associate most of the time. If you want to be a successful person,
associate with positive people. Associate with people who are optimistic and
happy and who have goals and who are moving forward in their lives. At the
same time, get away from negative, critical, complaining people.

Relationships can open doors you didn't even know existed and can show you
ways you didn't know was possible.

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Millionaires make a habit of building and maintaining a network of high-

quality relationships throughout their lives, and as a result, they accomplish
vastly more than other people.

They have realized that everything involves relationships. Virtually all of

your problems in life will come as the result of your entering into wrong
relationships with the wrong people Virtually all of your great successes in
life will be accompanied by great relationships with good people who help
you and whom you help in return.

Relationships can correct your brain when you start misbehaving and can
give you access to kings.

An Eagle led by a hen will never learn to fly.

One important secret of millionaires is that they have men.

When you study the lives of great men, you'll see that they leverage
relationships for their success.

About 75 percent of your success and happiness in life is going to be

determined by the quality of the relationships that you develop in your
personal and your business activities.

The more people you know and who know you in a positive way, the more
successful you will be, and the faster you will move ahead.

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LESSON 8
Be Willing to Take Risks

O
pportunities come as risks: sometimes as opportunities to grow,
opportunities to become better, opportunities to earn more,
opportunities to develop yourself . They almost always come as
risks.

When you jump over a ditch, you either fall into it or get to the other side but
you'll never be where you started from.
The ability to take risks is a millionaire's greatest asset because it
differentiates us from the general public.

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To start your income, you need to pay yourself a percentage and live on less
than you earn, this is a risk.

To increase your income, you will need to invest, that investment is a risk.

To start a business, you will need to take a risk.

Risks are important factors in growing your finances. You need to get
comfortable with taking risks.

In 2016, just after graduation, I had made some money and I was learning
how to take risks because I used to be a very risk-averse person. I lost a lot
with those investments but learnt a vital lesson, the more risks you take, the
more risks you can take.

I learnt that until you are ready to take risks you will never be financially free.
It is in the jump that you move.

It is important to note however that you don't take just any risk, you have to
learn to think things through. Take only calculated risks, the goal is to make
more money and not lose the one you have.

Don't take risks out of greed, before you take a risk, come from the place of
knowledge and information.

Ask a lot of questions, know what you are getting yourself into, and
remember if it looks too good to be true, it probably isn't true.

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Make sure you do a proper SWOT Analysis before risking your income.

Also remember not to risk it all, have an emergency fund that you can fall
back on so that you don't hit rock bottom.

Be wise and don’t get greedy. Greed is the one factor that can make you lose
everything. I have noticed that anytime money is lost someone got greedy.

The goal is to not lose money.

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LESSON 9
Build Millionaire Habits

Habits are the bedrock of success, if you will be successful then you must
learn how to change unprofitable habits and pick up new habits.
Over the years and cause of my life, I have discovered that millionaires
around me, in books I have read, in podcasts I have listened to and in videos
I have watched all think, act and behave in certain ways.

Success calls out to success. Habits call out to success and routine brings
success.

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Do you wonder why the millionaires you know do not sleep or eat too much?
Do you wonder why they commit to routine?
Do you wonder why they think fast and take action immediately
Do they seemingly have no fears or doubts?
Do you wonder why they believe they can achieve anything they set their
minds to or why they are seemingly not afraid of failure?
Does it bother you how hard it is to get their attention and why their time is
an asset to them so they do not waste it?

I used to wonder why these were so until I realized that it was a natural way
of success.
These are the habits of successful people. To become and maintain your
millions you might have to imbibe some of these habits into your life.

Manage your time properly

Don't get addicted to anything
Control your tongue and money
Don't sleep or eat too much
Guard your attention properly
Think fast
Take action
Be decisive
Be consistent

These are some habits I noticed and committed to building in my life and I
saw that things changed, You can build habits by simply committing to doing

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them daily, it has been proven scientifically that anything you do consistently
for 21 days becomes a habit.

Changing or improving your habits can be quite difficult especially when

these are routine habits. However, in the journey of development and
becoming the best version of yourself several habits have to be changed
therefore some sacrifices through persistence and adaptation have to be
enforced.
These are some recommendations to help you change of improve some
habits
1. Focus on only a habit per time : It's really difficult to change a habit so
trying to change more than one habit at a time can be totally hard, you
run the risk of not being able to cope with the burden that this entails,
and worse still, not changing any habit.

2. Create a plan and write it down: It's not enough to say, "I'm going to be
more productive." because the desire to be better is implicit in our
human nature. We always want to be better, but saying it is not enough.
You must be able to create a plan, be as specific as possible and add a
time frame to keep you in check.

3. Create mini plans: Once you have worked on your plan to change your
habits, it should have improved a lot compared to the initial one.
Dividing a large problem into smaller problems is a winning strategy,
as it allows you to evenly distribute the burden of achieving a goal or
objective.

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Creating mini-plans may seem easy ... and it is! however studies have shown
the power of mini-plans to create a bridge between "wanting to achieve
something" and "achieving it."

Habits are behaviours that we acquire by repeating something over and over
again, practically and automatically. Now that you've created your plan, and
added mini plans, it's time to make your new habit automatic. And the only
way to achieve this is through repetition. The advantage over time is that the
more you repeat, the less you will feel it is a repetition, because the habit will
become part of your lifestyle, and will eventually become a habit.

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LESSON 10
Imbibe Savings and Investing as a Habit

As a growing child, my parents would give my siblings and I money and

would later ask us how much we have saved. When I received gifts from
family friends, relationships, or any adults, the first thing that would come
to my mind was to save first.

This built a savings culture in me that became a habit, making saving very
easy for me.

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While working in my first paid employment, I put myself on a very dangerous

saving challenge. At the time, I didn't know what I would do with the savings,
but I knew that I didn't want to go back to ground level again.

I read the richest man in Babylon in 2019 and discovered that without
knowing I was already paying myself.

To become a millionaire, you must pay yourself first, the truth is that your
money is not your own.

Your money belongs to everybody who will offer a product or service to you.
It belongs to the grocery store; it belongs to the fashion designer.

Everybody else has a percentage of what you earn, to gain the financial
freedom you desire, you MUST pay yourself a percentage of your income.

Keep a percentage of your income to yourself, you can start with 10 percent
first. This is what you call savings.

When I started saving, I realized that when I had an urgent need, I would
touch my savings so I derived another means of saving, I learnt to use a
different bank account that I could not access, immediately I received my
salary or any income I wanted to save, I would immediately send it into that
account.

Because I couldn't do any mobile transaction from it, I wouldn't touch it and
I used this strategy to grow the account.

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When you start earning any form of income, you must start saving some
percentage from it.
Saving is not piling money in the bank for a rainy day, Saving is a system of
building up finances to have money to invest when an opportunity presents
itself.

Don’t save what is left after spending, always save first before you spend.

Savings is simply just paying yourself a portion of your earnings.

Always pay yourself from your income if you will be rich.

You are the only investment that can give you 1million% ROI

Invest in businesses you understand, don't invest in anything you don't

understand no matter how juicy the deal is

Invest only in systems that protect your capital, the intention is to gain
money not lose it

Invest in things you have thoroughly researched

Don't invest in any business that another person has to lose for you to gain.

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LESSON 11
Learn the Principles of Making Money

T
he most important aspect of making money is your why. Why do you
want to make money? You need a very strong WHY to keep you long
in the process. Once you answer the question of Why it will be easy
to find how!

Without a strong why you will give up soon enough. Make sure you know why
you want to make money.

When you have figured out Why, you must know that no matter how you
want to make money, MONEY IS SIMPLY A REWARD FOR AN EXCHANGE
OF VALUE

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To make money, start thinking of how to exchange value, do you have a

certificate? do you have a skill? Do you have a product or a service? What do
you have that is valuable to be exchanged for money?

Another thing is to note that you can make money by doing simple
mathematics.

If 10 people give you 100,000, you have made a million

If 100 people give you 10,000, you have made a million
If 1000 people give you 1,000, you have made a million
If 10,000 people give you 100, you have made a million

Consider you have a product or service you can sell for $1 and you sell it to
1,000,000 people, you have made $1,000,000.

The amount of value you can give is the amount you can earn.

There are different vehicles you can use to make money but whichever
vehicle you choose make sure it is a high-income vehicle.

If you choose the part of a skill, then make sure it is a skill that can solve high-
value problems for high paying customers.

Learn to market yourself shamelessly

Whether as a freelancer or in paid employment or as an entrepreneur, make

sure you learn how to sell and close deals.

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LESSON 12
Learn to Manage Money

T
here are three key metrics in the equation of money
Making money
Managing money
Multiplying money

Knowing how to make money is only the first step, if you can only make
money you will never truly be wealthy.

You need to know how to manage money and how-to multiple money

Money management is the bridge between making and multiplying money

There are several ways to manage money and there are principles of money
management.

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This is a step by step guide of how I have managed my money properly

First, organize your finances, you need to know how much you earn and how
much you spend. Take a sheet of paper and write down how much you have
coming in versus how much is going out. This will give you a broader picture
of every money available to you.

Then, you save, savings is a way to build money to multiply, never save what
is left after spending, save before you spend. Save a portion first then you
allocate your expenditures.

Next, you need to categorize your spending into essentials and non-essential,
to manage money properly, you would need to cut down on your expenses.
Always spend less than you earn.

Diversify your income, don't have only one source of income, source out ways
to earn more.

When you can manage your finances properly, you'll see that you have better
control over how your money goes out and comes in.

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LESSON 13
Create Multiple Streams of Income

I
have never focused on one stream of income because I realized early
that it doesn't help.

Anything multiplied by one remains the same, the only time you can see a
reasonable difference is when there is more than one multiplying a number.

In the same way, your finances will not change unless you have more than
two streams of income, you'll easily see a change in what you earn.

There are multiple streams of expenses and it is time you find a way to make
multiple streams of income.

If you are in paid employment, look for other ways around you that can
become a stream of income.

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It could be in your car which you could use as an uber to drop people off on
your way to work.

It could be products or services that you can offer.

If you look deeper into your life and business, you'll see other areas that you
can be making money from, it could be in form of a supplementary business,
it could be network marketing or affiliate marketing, it could be selling
information.

Multiple streams will help you reach your financial goals faster.

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LESSON 14
Don’t Live Above Your Means

R
esolve today that you are not going to raise your standard of living
until you have successfully increased your savings and investments
to a particular point.
This will require tremendous determination and willpower. You have to set
it as a goal, write it down, make a plan, and work on it all the time. But once
this practice locks in and becomes automatic, your financial success is
virtually assured.

Practice conservation and frugality in all things.

Be very careful with every penny. Question every expenditure. Delay or defer
every important buying decision for at least a week, if not a month.

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The longer you put off making a buying decision, the better your decision will
be and the better price you will get at that time.
A major reason that people live above their means is impulse buying. They
see something they like, and they buy it with very little thought. They become
victims of what is called “Parkinson’s Law,” which says that “expenses rise to
meet income.”

This means that no matter how much you earn; you tend to spend that much
and a little bit more besides. You never get ahead and you never get out of
debt.

Another way to live below your means is to forget about the joneses. This
means that you should stop worrying about seeming less important than
your friends and neighbours and therefore trying to own the same objects
and do the same things as they do.

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LESSON 15
Live A Life of Continuous Learning

I
n your life, your mind and your body are great assets, you need to build
them both.

You have more brains, ability, and intelligence than you could ever use if you
were to work on developing yourself for the rest of your life. You are smarter
than you can ever imagine.

There is no obstacle that you cannot overcome, no problem you cannot solve,
and no goal you cannot achieve by applying the power of your mind to your
situation but your mind is like a muscle. It develops only with use. Just as

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you have to strain your physical muscles to build them, you have to work your
mental muscles to build your mind as well.
The good news is that the more you learn, the more you can learn. Just like
the more, you play a sport, the better you get at the sport. The more you
dedicate yourself to lifelong learning, the easier it is for you to learn even
more.

To build yourself focus on the worth more than cost. Don't always ask how
much it cost, rather ask how much it cost.

Don't be a follower be a student. To achieve this you need to try two or more
opinions on a matter and learn, don't follow one opinion blindly.

There are three ways to build your knowledge, skills, insight, value, and
lifestyle.

From books: build your library, reading 2 books a week, in 10 years you
would have read 1000 books and you won't be lacking when you need to sell
your brain.

Become a great listener, listen to what great people say and how they say it,
Listen till it changes you. You don't need to read, you can listen to the book.

Ask questions and listen, you can take someone successful out to dinner and
listen to them. You might wonder why you should pay for food for a rich man
but in 2 hours, you could change your poverty by listening.

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Learn to observe, success leaves clues, when you observe successful people
you will see how to become successful.
Be willing to spend money, time, and effort to achieve these because Life has
a way to repay the great investment with great accomplishment

Leaders are learners. Continuous learning is the key to the 21st century.
Lifelong learning is the minimum requirement for success in your field or
any field. Make a decision today that you are going to become a student of
your craft and that you are going to continue learning and becoming better
for the rest of your life.

There are three keys to continuous learning.

The first key is to read in your field for at least 30 to 60 minutes each day.
Reading is to the mind as exercise is to the body. Reading for an hour each
day will translate into about one book per week. One book per week will
translate into 50 books per year. Fifty books per year will translate into 500
books over the next 10 years.

The second key to continuous learning is to listen to audio programs in your

car as you drive from place to place. Turn your car into a learning machine,
into a university on wheels. Never let your car motor be running without an
educational audio program playing. Many people have become millionaires
through the miracle of audio learning. This is why audio learning is often
called the greatest breakthrough in education since the invention of the
printing press.

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The third key to continuous learning is to attend every course and seminar
you can find that can help you to be better in your field. The combination of
books, audio programs, and seminars will enable you to save hundreds of
hours and thousands of dollars, and many years of hard work, in achieving
the level of financial success that you desire.

Personal development is the key to the good life, focus more on who you are
becoming rather than what you get, what you get is greatly dependent on who
you are becoming

If you want to change what you get, change who you are!

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LESSON 16
Learn Manage Time Properly

T
ime Management is very important to successful millionaires
because we know that if we don’t manage time properly, we will not
be able to achieve what we need to and the things we were supposed
to do today get pushed to tomorrow, then the next day. Eventually, we could
end-up several weeks behind.

For me, after struggling with time management, productivity, and

procrastination I found some of these very valuable for my business and life.

1. Just breathe.

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Take a break and breathe, rest your head, take a walk, being busy doesn't
always mean productivity so you sometimes need to cut the chase and just
breathe!

2. The 1-minute extra check.

That extra one minute you put into double-checking your work saves you a
lot of time you would have spent going back to correct your mistakes! There
is a proverb that says, “Measure twice, cut once.”

3. Make a list and get it out of your head.

I have never been a fan of making a list, I always believe I'll remember but I
never do! Making a list helps reduce the overwhelming feeling from letting
everything you have to do swirl around in your head.
The kinds of lists you should make are:
A. Make a to-do list in order of priority:
Urgent and important (tasks you will do immediately).
Important, but not urgent (tasks you will schedule to do later).
Urgent, but not important (tasks you will delegate to someone else).
Neither urgent nor important (tasks that you will eliminate).
B. Make a done list where you write down everything you've already
accomplished.
C. Make a procrastination list: This is a list of high-leverage activities that
you can chip away at whenever you’re procrastinating or have downtime.
Examples include reading or podcasting.
D. Make a stop doing list: This is a list of those bad habits that waste your
time or hinder your productivity. Write these habits down so that you can
develop a realistic plan to replace these bad habits with good habits.

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Remember to cross things off the list when you have done it.

4. Be decisive.
That time you spend flip-flopping on a decision could be spent on something
productive. Make a decision, live with it, and move on.

5. Delegate or outsource.
Instead of doing tasks yourself, delegate or outsource them to someone else
so that you can focus on more important tasks.

6. Embrace Automation.
As much as you can automate your life, use software that would help you get
things done without you doing it yourself. Delegate tasks to other people so
that you can focus on more important tasks.

7. Stop multitasking.
Multitasking doesn’t work. It takes longer to complete a task when we
multitask because our minds are shifting back-and-forth. Instead, focus on
one task at a time. Train your brain to slow down a little. It's like running,
the more you train your body, the faster you'll become.

8. Don’t beat yourself up.

Stop wasting your time feeling guilty about things you didn't get done or
giving into procrastination. Sometimes that happens. Do your best not to
make that a habit and move-on instead of living in the past.

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9. Make bargains with yourself.

I do this a lot, You can convince yourself to do something even if you don't
feel like doing it by highlighting why it is important you do it, what you would
lose if you don't and how you would reward yourself if you get it done. Always
keep promises made to yourself!

10. Don’t worry about perfection.

Stop worrying about something being “perfect.” Perfection is only a figment
of your imagination that can never become a reality.

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LESSON 17
Be Decisive and Action Oriented

T
ake Firm Decisions and carry them out!

One of my mother's favourite quotes is "If you know the right thing
to do and refuse to do it, it becomes a sin to you". I have heard that quote
more than a thousand times in my life and I quite agree with her.

Knowing what to do is one part of the equation, taking a firm decision to do

it is another part, doing it is the most difficult part because that is where the
triumph lies.

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Without firm decisions and actions, you will get nothing done other than
drift through an unfulfilled life of regrets and uncertainties.

One of the greatest qualities of millionaires is that they think carefully and
then make decisions quickly and act swiftly.

They discipline themselves to take action and to carry out the decisions they
have made. They move fast and they get quick feedback from their actions. If
they find they have made a mistake, they quickly self-correct and try
something else.

The key to success is for you to try. Learn to try far more things than other
people do. If you try far more different ways to be profitable, you will
eventually find the right way for you at the right time.

When you know that you should do or stop doing certain things, take the firm
decision to take action, and take action. Your wealth and financial freedom
are tied to your ability to make decisions and the necessary action to back up
the decision.

Action-oriented far less than is possible for you.

When you become decisive and action-oriented, you shift your entire life into
high gear. You get far more done in than other people. You move ahead far
faster than the people around you.

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You tap into a higher source of energy, enthusiasm, and motivation that fills
you full of joy and exhilaration. This positive energy then propels you
forward even faster toward your goals.

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LESSON 18
Be Extremely Disciplined

A
ccording to Brian Tracy, "Self-discipline is the most important
single quality for success in life and in becoming a millionaire".

If you can discipline yourself to do what you have to do, when you have to do
it, whether you feel like doing it or not, your success is practically guaranteed.

Discipline requires that you master yourself, you have control over yourself,
you take responsibility for yourself and you have a clear sense of direction.

Discipline is doing something not because you like to do it but because it is

important that you do it. Interestingly, many millionaires read, not because
they like to but because it is important to their growth.

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When you delay gratification and not get what you want at the time you want
it, it is because you are disciplined enough to see that the future benefits out
way the struggles of the present.

Discipline is the price you must pay for the future you see and believe in.
I am writing this chapter at 4 am after staying up all night because I need to
get this book finished not because I don't want to sleep I am feeling sleepy
but because this is my productive time and I need to get the work done.

Until you get to the point in your life where you take actions not necessarily
because it is enjoyable or fun to you, but because it is productive and achieves
the goal, not necessarily because it easy but because it gets the work done,
you are not ready to be successful.

Sometimes those actions are going to be hard and tough but as long as they
are important, then they are worth it.

The good news is that every act of discipline strengthens your other
disciplines as well. Every time you can discipline yourself, you like and
respect yourself even more. And the more you practice discipline in small
things, the more capable you are of the greater disciplines required for the
greater opportunities, experiences, and challenges of life.

Success requires tons of discipline.

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LESSON 19
Be Willing to Start Again

A
fter I lost all my millions to the wrong investment, I learnt this very
important lesson.

I was back on the ground, back at zero level, I hadn't kept a backup plan, I
hadn't even bought an asset, I was too naive at the time to know all of these
though.

I was a fresh graduate who had made money, I was trying to double the
money without understanding the principles of money management.

I had to start all over again but the impressive part of it was that it was faster
to get the same results because I wasn't starting from scratch. I was starting
from a place of experience, I was starting from a place of knowledge.

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As you’ve heard, “Life is a process of two steps forward and one step back.”

All business life is made up of cycles and trends.

There are up cycles and down cycles. Often, trends in business can lead to a
complete change in the industry. We see this today with the Internet and the
expansion of technology in all directions, which are changing many of our
fixed ideas and beliefs about the way business is done.

Develop a long-time perspective. Take the long view in everything you do.
Plan two, three, four, and five years into the future and don’t allow yourself
to get onto an emotional roller coaster with the short term ups and downs of
daily life.

There will be times when you will have to start again, there will be times when
you do have to jump to the peak of another mountain, you must remember
that you are not starting afresh.

Use the experiences you have to propel you to make the best out of the new
situation.

Keep reminding yourself that everything in your life moves in cycles and
trends. Be calm, confident, and relaxed with short-term fluctuations in your
fortune. When you have clear goals and plans that you are working on every
day, the general trend line of your life will tend to be onward and upward
over the years.

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LESSON 20
Keep Moving Forward

A
s a growing child, my favourite cartoon was called "Meet the
Robinsons", it is funny that my siblings simply hated that cartoon.
They unanimously agreed that it was too boring, but my 11-year-old
self couldn't get enough of it.

The story is about a young inventor named Lewis who lived in an orphanage
and was turning 13 without being adopted because no parent wanted to
adopt the geeky child with many failed projects. He is just about to give up
when he meets Wilbur Robinson who he later finds out is his future son who
came to meet him with a time machine.

Lewis always wanted to meet his mother and ask her why she dropped him
off in the orphanage, so every invention he made was geared towards it, he

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finally creates the time machine that would take him back to the minutes
before his mother dropped him off so he could see her face.

His time machine gets bad, he meets Wilbur, he realizes that his gateway to
the future was opened because of a bad time machine, he finds out that his
best friend whose life he ruined is the cause of his problems and a series of
other events that follow.

I know that you already agree with my siblings that the cartoon is absolutely
boring while you may be right about that, this is the reason I loved the story.

If Lewis had not met his future self and been told that the invention, he was
about to give up on totally changed his life, he probably wouldn't have tried
again and might have given up because he failed once.

The singular luxury of knowing that it worked out changed the future made
him fix the time machine and return order while getting the life he dreamed
off unlike Lewis, you don't have the luxury of meeting your future self.
But what if that thing that you are about to give up on is the key to the success
you have been craving?

What if that failure is the stepping stone to the success you've imagined?
What if you can never know if you don't keep moving forward?

You see in my journey, I realized that staying on one spot and mourn to
mourn failure is the most unproductive time ever spent.

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Whether you choose to give up on something or not, keep moving forward.

Whether you fail or succeed at something, keep moving forward.

Don't let your failures or successes limit you from achieving more in the
future.

Rather use them as a prepared ground to launch you into something better.
You can't make more money if you think you've arrived.

You can’t achieve success if you think you have failed so much.

Take your failures and successes and keep moving forward!

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LESSON 21
Do what you love to do

H
ere is a question for you: If you won a million dollars, tax-free,
tomorrow, would you continue to do what you are currently
doing? This is a great question. It simply asks you what you would
do if you had all the time and money you needed, and you were free to choose
your occupation.

Doing what you love to do is one of the great secrets of financial success. One
of your primary responsibilities in life is to find out what you enjoy doing,
what you have a natural talent for, and then to throw your whole heart into
doing that particular work very, very well.

You must find a field in which you can be absorbed—a job or area of
endeavor that completely fascinates you, that holds your attention, that is a
natural expression of your special talents and abilities. When you are doing

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what you love to do, you seem to have a continuous flow of excitement,
energy, and ideas to do what you do even better.

Millionaires are those who have found a field where their natural strengths
and abilities are exactly what is required to do the job and achieve the results
desired. Most millionaires say that they “never worked a day in their life.”

Most millionaires, if they won a million dollars cash, would continue doing
what they are doing. They would only do it differently or better or at a higher
level. But they love their work so much that they wouldn’t even think of
leaving it or retiring.

Perhaps the greatest lesson you can learn is for you to find out what you really
love doing and then dedicate yourself to that field.

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LESSON 22
Commit to Excellence

I
have learnt that even as money follows value, money follows excellent
value. Decide to become part of the top 10 percent in your field and set
a goal to achieve it. This decision, to become very, very good at what
you do, can be the turning point in your life.

The world pays excellent rewards for an excellent performance. It pays

average rewards for average performance and below-average rewards,
failure, and frustration for below-average performance. Your goal should be
to become an expert in your chosen field by learning every single detail about
how to do your work better and better.

When you are good at what you do, you feel wonderful about yourself. Being
excellent affects your whole personality and all your relationships with other

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people. You feel happy and proud when you know you are at the top of your
field.

Here is one of the most important questions you will ever ask and answer,
for the rest of your career: What one skill, if I developed and did it excellently,
would have the greatest positive impact on my life?

You cannot become good at everything right away, but you can identify the
one skill that can help you the most and then throw your whole heart into
developing that skill.

Set it as a goal. Write it down. Set a deadline. Make a plan. And work on
becoming better in that area every single day. You will be amazed at the
difference this commitment to excellence will make in your life.

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LESSON 23
Get Out of Your Way

T
here was a time, I planned a program which would affect 10,000
young people, I knew that the lives of young people will be affected
positively, I knew that it would inspire a lot of people out of
depression, I knew that it would get many on the path of discovering their
potentials but I started analyzing the idea over again.

It took me a while before I finally help that event because I had gotten in my
way. I let over analysis cause paralysis to the idea and I left it undone.

You have an idea to impact the world, but you keep it locked up in you.

You started a business to solve a great problem for people, but you see
yourself hustling and not getting any real results.

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Many times, you let the fear of failure limit you and so you don’t take the
necessary steps to achieve what you want to achieve.

It might be applying to a better paying job, It might be taking a risk on an

investment, it might be rediscovering yourself. It is time for you to figure out
how have you gotten in your way? It's time for you to get out of your way and
let yourself shine.

This formula works wonders

Forget Instant Gratification: you might need to keep trying even after you've
failed. It might not work the first time. You might not make the million in 6
months. You might not reach 1000 people with your message but you'll need
to keep building.

Become the person you need to be: You'll need to change the way you think,
work on your habits, believe in yourself, act in fear, develop your mind, boost
your confidence. T. Harv Eker says that It’s not enough to be in the right
place at the right time. You have to be the right person in the right place and
time.

Find a great circle of influence: the people around you will always determine
how far you will go hence the need for the right friends, colleagues, mentors,
coaches, advisors, and support system.

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Until you are ready to get out of your way, you'll not create the kind of success
that you desire, you’ll never make the kind of money you want to.

If you are convinced about the greatness in you, if you need the freedom to
make a difference in the world then it's time to take those tough actions and
decisions and not let even "YOU" stop you.

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LESSON 24
Be Persistent

N
othing can take the place of persistence. Talent will not; nothing is
more common than unsuccessful men with talent. Genius will not;
unrewarded genius is almost a proverb. Education will not; the
world is full of educated derelicts. Persistence and determination alone are
omnipotent.

The only factor you can control is how you respond to difficulties and
setbacks. And the good news is that every time you respond positively and
constructively, you become stronger and better and even more capable of
dealing with the next problem or crisis that comes along.

Eventually, you will reach a point in life where you become unstoppable.

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Program your subconscious mind for persistence well in advance of the

setbacks and disappointments that you are going to have on your upward
quest toward success. Resolve in advance that you will never give up, no
matter what happens.

The courage to persist in the face of adversity and disappointment is the one
quality that, more than anything, will guarantee your success. Your greatest
personal asset can be your willingness to persevere longer than anyone else.
Your persistence is a true measure of your belief in yourself and your ability
to succeed.

Remember to celebrate and appreciate your persistent efforts. As long as you

are taking baby steps each day, celebrate and love it. Don't be too familiar
with your small wins, you won't recognize the big ones when it comes.

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CONCLUSION

1. A smart man learns from his mistakes. A wise man learns from the
mistakes of others. Fear of failure is normal, yet failure creates experience
and experience breeds wisdom. Interest is the first gear. Commitment is the
Redline. Hard work and commitment separate the winners from the losers.
Failure is natural to success. Expect it and learn from it.

2. Stop chasing money chase needs. Never start a business to make money.
Don't think about business in terms of your own selfish desires, whether it's
money or dreams. You will fail.
You and your business attract money when you stop being selfish and turn
your business focus from needs of yourself to other people's needs.
To attract money is to forget about money. Solve needs massively and money
massively attracts. Give first, take second!!
The amount of money in your life is to attract reflection of the amount of
value you have given to others.

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3. Education didn't end with graduation, it started. Education is critical

component to your wealth road trip. When you continually inject yourself
with new education and new skills, new roads open and things run smoothly.

4. You learn from engagement, from doing, aa and from getting out and
taking repeated action, more so than from any book ora professor. Books
possess the greatest return for your educational dollar. Buy them or borrow
them. Just read them.

5. Hardwork and commitment separate the winners from the losers. To live
unlike everyone else, you have to do what everyone else won't.

6. Every dollar saved is another freedom fighter in your army. If your money
is fighting for you, your time is freed and you break the equation of time for
money. Don't just save, invest.

7. Always implement The Law of Effection which states that the more lives
you affect in an entity you control, in scale and/or magnitude, the richer you
will become. The shortened, sanitized version is simply: Affect millions and
make millions.

8. Your life is the sum result of all the choices you make, both consciously
and unconsciously. If you can control the process of choosing, you can take
control of all aspects of your life. You can find the freedom that comes from
being in charge of yourself.

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9. Use Compound Interest as a tool to create passive income and liquidity. It

can be a weapon that is most effective with large sums of money. You have to
exploit compound Interest at its crest, not a million miles out at sea.

10. If you want to be rich, you have to start thinking rich. Time is king.
Lifestyle extravagances have two costs: cost itself and the cost to free time.
The more knowledge you consume, the more you become better.

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ABOUT THE AUTHOR

GRACE KALU is a professional speaker, trainer, and consultant

and is the chairman of Merald, a training and consulting company
based in Port-Harcourt, Nigeria. She is also a millionaire at 24.

She made her first million at the age of 17 when she learnt to sell
and trade currencies. She did not understand the principles behind
making and managing money that she lost everything in a wrong
investment decision.

She started building her finances again some years later, when she
had learnt about money. She worked in a bank for about 2 years
before developing and improving her software engineering career
in 2019.

She always had a passion for training and business strategy, she has
helped thousands of brands start their entrepreneurship journeys,
build credible brands and successful products for impact, influence
and income.

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Grace has a singular focus, to empower and develop and build

young people into global leaders and change makers with the right
habits, mindsets, skillsets and toolsets they need to build their
impact, influence and income as they become leaders championing
growth and development in the world.

She achieves this through a community called “The Generation”.

The generation is an organization focused on building young
people to become global leaders and world changers by actively
engaging in personal and community development to end poverty
(SDG1), fight unemployment through Quality Education (SDG4)
and create a positive environment for Decent Work and Economic
Growth (SDG8). She has empowered over 10,000 youths through
this platform. You can join the Generation through this link
Bit.ly/Thegeneration

Grace has shared her ideas with about 10,000 people in her
community across 61 countries of the world.

She has served as a consultant, coach and mentor for many

organizations, corporations and individuals and can be invited to
speak in your organizations in areas of leadership, profitability,
entrepreneurship, emotional intelligence and marketing. Ypu can
send her a message at [email protected]
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You can connect with her on facebook, Instagram and twitter. You
can search for Grace Kalu.
Facebook: Facebook.com/thegracekalu
Instagram: Instagram.com/thegracekalu
Twitter: Twitter.com/thegracekalu

You can be anything you set your mind to be, so reach for the sky
always and be your best self.

You are a rare gem!

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