Everyone wants to get rich. It's a goal that is simple to understand. There are tons of Banks & Books out there telling you how to achieve the mythical stage where you can shout to the world that you are "set for life". Of course, what you are really doing is to help these people get to that stage far faster than you. Hahaha.
But anway, now, I'm going to help you get rich. But there are some points you have to understand. There are basically two leagues of Rich people in the Malaysia, Fatty-Rich and Crazy Motherfucker-Rich. The Fatty-Rich still has to work, and earns enough to buy expensive meals, flashy cars, and big houses. The Crazy Motherfucker-Rich doesn't have to work ever again, and buys expensive restaurants, flashy planes and small islands. This is an extremely important distinction.
I will not give any advice on how to become Crazy Motherfucker-Rich in this post because I don't know either. The Malaysian consensus done recently is that you have to either be in business or the higher hierarchy of politics. The good news is that almost everyone can become Fatty rich. The better news is that Malaysia is an excellent place to do it.
(A bit of context is needed here.... My family is not rich, neither am I. We are smack in the middle of the income ladder. While no one will be buying a plane any time soon, none of us will end up on the 88th floor of KLCC looking down either. That's my target audience of this post, and hopefully it's a huge audience. If you are poverty poor, I can't help you. If you have a street on Daddy's island named after you, drop me a mail, I'd like to get to know you a whole lot better. =D (Look I even included a nice warm smile!)
Lastly, these are purely guidelines. Common sense material that you would probably have heard from your parents a dozen times. Unlike some of your parents, I will not tell you what course to take, what job to get, etc. Oh, and I'm assuming you are moderately smart at the very least. If you are stupid, go jump off a cliff or something. Ok, now that that's off my chest, let's move on.
Be realistic
People are addicted to investment manuals. It's like a fever of some sort. Sure, the premise is enticing. Get out of the rat race! Earn your first million by the age of 20! But here is a nice dose of reality for you: Forget it.
Last month I was at MPH having to come across a small pocket size booklet on Tzin Tzu Way of Getting Rich. I saw this clown who was trying very hard to memorise the booklet, obviously he couldn't afford it and he'll never going to become Tzin Tzu of tomorrow, much less the Bill Gates. So be discerning enough to differentiate between dreams and fluff. You are still stuck in a rat race, don't see private yachts in your future when there are not going to be any.
Stay in school
In my previous post I have complain about how paper-obsessed Malaysian Students and a few comments I received as saying its the status quo that will remain largely unchanged for a long time to come. Since we have established that you are going to die a rat, why not be one who can actually bring home a decent amount of cheese? So it seems that Malaysian students are put into mind that higher education = higher pay? Well I just looked at "Kelly's Salary Guide 2006" it's statistically proven. A better entry position means you are that much closer to the top of the food chain, "ceteris paribus". Do well once you have your foot in the door and other rats might be lining up to kiss your ass mighty soon. That's not too bad at all, eh?
Savings are your friend
Let's assume you have already gotten out of school and found a financially rewarding job. That is hardly the end of the story. It is extremely possible, and not too uncommon, for people to have a high income and still end up buried in a cardboard box. This is due to the fact that life is essentially unpredictable.
Lately, TheStar paper said that Malaysian will have their pay cheque wiped out by month end. Things are only getting worse. This is a generation which practically lives on credit cards. Spending their entire salary not only on things they don't need, but on stuff they might not even want. A minor crisis, that someone could easily and very well lead to a quick plunge down from KLCC for many nowadays.
Flexible morality and anal legality
"The surest way to remain poor is to be an honest man." I quoted this because i have read it somewhere
Do not, however, confuse morality with legality. Malaysia is not some bleeding heart paradise where you can murder someone and get away with 20 years in jail. We do not play nice here. Furthermore, there are so many ways to lie, cheat and steal legally, it simply does not make sense to fuck around with our judiciary. Play smart, not hard. Because this counttry will always play harder.
Marriage is another option (you heard me right!)
I will be fair here, Marriage in itself is not a bad thing at all. People are increasingly seeking social, educational and financial compatibility in their relationships, so it is really unlikely that you will become worse off by tying the knot. With the pooling of equitable resources, it is even possible that a couple will be able to afford a lifestyle that neither of them can individually.
That being said, a cohabiting long term relationship is worth considering. You certainly won't lose much of the benefits you can get by marriage, and you will save on a lot of potential relationship headache stuff. An unmarried relationship involves tears and broken hearts where the couple takes it up the ass without lube and that is one mess you would do well to avoid.
But anway, now, I'm going to help you get rich. But there are some points you have to understand. There are basically two leagues of Rich people in the Malaysia, Fatty-Rich and Crazy Motherfucker-Rich. The Fatty-Rich still has to work, and earns enough to buy expensive meals, flashy cars, and big houses. The Crazy Motherfucker-Rich doesn't have to work ever again, and buys expensive restaurants, flashy planes and small islands. This is an extremely important distinction.
I will not give any advice on how to become Crazy Motherfucker-Rich in this post because I don't know either. The Malaysian consensus done recently is that you have to either be in business or the higher hierarchy of politics. The good news is that almost everyone can become Fatty rich. The better news is that Malaysia is an excellent place to do it.
(A bit of context is needed here.... My family is not rich, neither am I. We are smack in the middle of the income ladder. While no one will be buying a plane any time soon, none of us will end up on the 88th floor of KLCC looking down either. That's my target audience of this post, and hopefully it's a huge audience. If you are poverty poor, I can't help you. If you have a street on Daddy's island named after you, drop me a mail, I'd like to get to know you a whole lot better. =D (Look I even included a nice warm smile!)
Lastly, these are purely guidelines. Common sense material that you would probably have heard from your parents a dozen times. Unlike some of your parents, I will not tell you what course to take, what job to get, etc. Oh, and I'm assuming you are moderately smart at the very least. If you are stupid, go jump off a cliff or something. Ok, now that that's off my chest, let's move on.
Be realistic
People are addicted to investment manuals. It's like a fever of some sort. Sure, the premise is enticing. Get out of the rat race! Earn your first million by the age of 20! But here is a nice dose of reality for you: Forget it.
Last month I was at MPH having to come across a small pocket size booklet on Tzin Tzu Way of Getting Rich. I saw this clown who was trying very hard to memorise the booklet, obviously he couldn't afford it and he'll never going to become Tzin Tzu of tomorrow, much less the Bill Gates. So be discerning enough to differentiate between dreams and fluff. You are still stuck in a rat race, don't see private yachts in your future when there are not going to be any.
Stay in school
In my previous post I have complain about how paper-obsessed Malaysian Students and a few comments I received as saying its the status quo that will remain largely unchanged for a long time to come. Since we have established that you are going to die a rat, why not be one who can actually bring home a decent amount of cheese? So it seems that Malaysian students are put into mind that higher education = higher pay? Well I just looked at "Kelly's Salary Guide 2006" it's statistically proven. A better entry position means you are that much closer to the top of the food chain, "ceteris paribus". Do well once you have your foot in the door and other rats might be lining up to kiss your ass mighty soon. That's not too bad at all, eh?
Savings are your friend
Let's assume you have already gotten out of school and found a financially rewarding job. That is hardly the end of the story. It is extremely possible, and not too uncommon, for people to have a high income and still end up buried in a cardboard box. This is due to the fact that life is essentially unpredictable.
Lately, TheStar paper said that Malaysian will have their pay cheque wiped out by month end. Things are only getting worse. This is a generation which practically lives on credit cards. Spending their entire salary not only on things they don't need, but on stuff they might not even want. A minor crisis, that someone could easily and very well lead to a quick plunge down from KLCC for many nowadays.
Flexible morality and anal legality
"The surest way to remain poor is to be an honest man." I quoted this because i have read it somewhere
Do not, however, confuse morality with legality. Malaysia is not some bleeding heart paradise where you can murder someone and get away with 20 years in jail. We do not play nice here. Furthermore, there are so many ways to lie, cheat and steal legally, it simply does not make sense to fuck around with our judiciary. Play smart, not hard. Because this counttry will always play harder.
Marriage is another option (you heard me right!)
I will be fair here, Marriage in itself is not a bad thing at all. People are increasingly seeking social, educational and financial compatibility in their relationships, so it is really unlikely that you will become worse off by tying the knot. With the pooling of equitable resources, it is even possible that a couple will be able to afford a lifestyle that neither of them can individually.
That being said, a cohabiting long term relationship is worth considering. You certainly won't lose much of the benefits you can get by marriage, and you will save on a lot of potential relationship headache stuff. An unmarried relationship involves tears and broken hearts where the couple takes it up the ass without lube and that is one mess you would do well to avoid.
