Ron Malhotra - 8 Wealth Habits of Financially Successful People

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DEDICATIONS

I would like to dedicate this book to my wife Sandra who has been with me all the way, from the lost stages of my life to the point now where I live and breathe my passion all the time, helping everyday people plan for their financial future. Without you, none of this would have been possible.

I would also like to dedicate this book to my parents and my parents-in-law who are like my own parents. I wish I had known many years ago what I know now so I could have prevented you from making the financial mistakes that have caused the present struggles in your life.

And lastly I would like to thank my sweet daughter Sofia, who has given me the added drive and determination to not only strive for myself, but also leave a lasting legacy for the future generations. Sofia, at the time of writing, you are too young to read this book, but one day I would like you to know that when you call me Daa in your sweet persistent voice, you give me the extra strength to spread my message to everyone I meet, no matter how many times my message of plan your financial future is ignored and rejected.

Finally, I dedicate this book to the millions of hard working and decent Australian men and women who go to work every day for thirty or forty years to provide a better life for their families.

Just remember one thing. It's not about the money. It's about the options and choices in life that money brings...

FREE BONUS

To help you on your journey of achievement and success, we are providing you with free surprise gifts as well as a The Success Answer workbook. This workbook, along with the other gifts, will help you get the maximum value out of the contents of this book. To download your workbook and free gifts, go to http://unlockyoursuccess.ronmalhotra.com

TABLE OF CONTENTS

INTRODUCTION

"Those that do not think about the future cannot have one." John Galsworthy

Sometimes, usually at parties, I wish I had a job with a more exciting reputation. Like a helicopter rescue pilot or a firefighter. Someone people associate with saving lives and changing destinies. Someone crowds gather round, bright-eyed with admiration, to hear stories of heroic deeds and selfless courage.

Instead of this, I have to say: I'm a financial adviser'. That usually clears the room pretty fast. Eyes glaze over, heads swivel round frantically and drinks suddenly need topping up. Wait! I want to tell them. It's exciting! Its important! I save lives too! I change people's destinies! But I never get the chance.

I am passionate about what I do. I dont love money but I am fascinated by it and what it can do for us. You see, in my opinion, money is the most important thing in life, except for your health.

Whoa there. Really? Suddenly the party crowd is back, ready to argue with the mad money guy.

Yes, it really is that important.

Money is very misunderstood in our society. People shy away from the topic in case theyre seen as materialistic or shallow. They bury their heads in the sand when it comes to finance, thinking itll somehow turn out okay, or theyre too young to worry about boring stuff like pensions or insurance. Because you are reading this book I know that you are at least a bit curious about money and willing to be open-minded about how it can help you achieve your goals.

What most people dont realise is that everything important in life like time with your family, health care, good food, medical care, education, the ability to pursue your passion and so on costs money. Money buys you freedom. It buys you options. It helps you become the best that you can be. Not having it can cripple you not just financially but emotionally.

'Wealth is not about having a lot of money. It is about having a lot of options.- Chris Rock-

I have a client whose family is originally from Scotland. Her parents emigrated to Australia when she was three. Recently, her grandmother died and her mother didnt go to the funeral in Scotland because she couldnt afford the fare. She refused to accept money from her daughter, my client. Imagine that.

Not being able to go to your own mothers funeral because you cant afford it. Thats what lack of money does.

Another client of mine told me that she wants to help her elderly widowed father as he has so little money, but that it is causing problems with her husband, who thinks she should stop giving him handouts. My client is torn in two because she sees her father struggling financially yet has to think of her husband. What parent wants to put that burden on their child? Yet if you dont make a conscious decision to take control of your finances early on, this could be where you end up.

As long as you are part of the rat race, working to pay the bills and make ends meet, you can never evolve into the person that you were born to be. Thats because all your energy and attention is focused on keeping the vicious money cycle going. This sucks the passion from you faster than any vampire, leaving you feeling robotic and empty.

So that is what this book is about. I want to teach you how to take your life back and to become bold about money. To look it firmly in the eye and resolve to be its master, not its slave. Then you will be empowered and can reclaim your future, financially free and in control of your own destiny.