10 Unconventional Laws of Money
This will change your money mindset
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In my close to a decade of experience as a salary earner, business owner, and investor, I’ve learned some unconventional truths about money—things they don’t teach in school.
Here are 10 money laws that changed my mindset forever.
1. Money is a tool, not the goal
I used to believe that making more money meant success. But money is just a tool—it's a means to an end. If you don’t give it a purpose, it’s just beautifully designed paper.
Money only has value when it serves a purpose.
2. Money has no value until it’s needed
Imagine being in a desert with $100 million but no food or water. Then you meet a man with a jar of water and a meal. If he asks for the full $100 million in exchange, would you hesitate? Probably not.
Or picture a freezing man burning stacks of cash to stay warm.
Money has no value unless it meets a need.
3. Chasing money will bring out the worst in you
Most people haven’t met their worst selves yet. There are two ways to discover who you truly are:
- When you’re under pressure
- When you have money
I’ve seen money turn the kindest people into arrogant, selfish, and reckless versions of themselves.
Instead of chasing money, chase value — the money will follow.
4. Poor people chase money; rich people attract it
For years, I thought working harder was the key to wealth. But then I realized that the wealthiest people don’t work the hardest—they work the smartest.
They don’t chase money. They create systems, build assets, and position themselves where money flows naturally.
Start thinking like a magnet, not a hunter.
5. Never lend or borrow money you can’t afford to lose
I know of a friend who borrowed a large sum of money from someone. He promised to pay back in two months. It’s been three years—they barely speak now.
Money ruins relationships.
If you can’t afford to lose it, don’t lend it.
And if you must borrow, make sure you have a solid repayment plan.
6. The more problems you solve, the more you earn
People don’t pay for effort; they pay for solutions.
A doctor earns more than a cashier because they solve bigger problems.
If you want to increase your income, stop chasing money—chase problem-solving.
The bigger the problem you solve, the bigger your paycheck.
7. Your income is an average of the five people you spend the most time with
Look around. If you’re the highest earner in your circle, your growth is slowing down.
Wealthy people surround themselves with others who earn more, think bigger, and challenge them.
If you want to grow financially, upgrade your circle.
8. The richest people don’t make the most noise
Have you noticed that the loudest spenders are often not the wealthiest? True wealth is quiet, intentional, and strategic.
Rich people don’t always flex — they invest, build, and secure generational wealth.
9. You’re first poor in your mind before you’re poor in your hands
Poverty is a mindset before it’s a financial state.
If you think wealth is only for others, you’ll never have it.
If you believe money is evil, you’ll push it away.
If you think you’ll always struggle, you will.
Change your mindset, and your finances will follow.
10. Your worth is tied to the assets you have, not the cash
Cash flows in and out. Assets build wealth.
Rich people don’t measure their worth by their bank balance. They look at real estate, investments, businesses, intellectual property, and income-generating assets.
I’m giving away my SMART MONEY PLANNER, comprising a strategy sheet, income plan, saving, investment, and expense tracker, for FREE.
Click here to access.
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