Welcome readers of the online magazine “RichPro.ru”! Today we’ll talk about how you can earn a million (1,000,000) rubles or even dollars in a month or a year and what options are possible for this.

After studying the article from beginning to end, you will also learn:

• Is it possible to earn a million from scratch in Russia?
• What ways will help you earn your first million;
• Where can you earn $1,000,000?

In this publication you will find real stories and examples, as well as advice for those who decided to make a million without investment .

Studying the article is useful for everyone who has not yet made a million and does not yet know how to do it. Don't forget the saying "time is money". So don't lose it and start reading right now.

About how to earn a million in a month or a year and who earns $1,000,000 - in our new issue

1. Is it possible to earn 1,000,000 (million) rubles or dollars in 1 day, week, month, year? 💰

Many people dream of earning a million rubles or dollars in a short time . However, not everyone understands whether this is real.

In fact, it is quite possible to earn that amount. However, for this there must be already existing options - running business, expensive real estate, high-paying job or even just communications .

Also, those who have unique talent or famous name . This concerns For example, famous football players, actors, singers.

Naturally, not everyone has these advantages. However, even in their absence, you shouldn’t despair: it’s quite possible to earn a million. You just have to keep in mind that you will have to spend more time and effort on this. But all your efforts will definitely pay off many times over.

💡 If you are not one of those who are afraid of difficulties, start working. Simple calculations allow you to understand that earning about 100,000 rubles per month, you can already get a million in 10 months. And this is quite real.

Of course, you can earn huge money much faster. However, we we do not recommend use fraudulent schemes or engage in crime. Therefore, in our article we will only talk about honest and reliable methods. They will definitely help you earn a million, even in about a year.

TOP 8 options for how you can earn your first million

2. Where and how to earn your first million from scratch in Russia - 8 possible options 📋

Actually make money billion and it is almost impossible for an ordinary person in Russia not to deny themselves anything. This requires serious initial capital, as well as connections. The situation with earnings is different million or even several.

First of all In order to achieve financial well-being, you will have to change - reconsider your own habits, beliefs, and attitude.

When some work has been done on yourself, the desire to earn your first million will inevitably appear. Naturally, at this moment the question will arise how to do this. To earn a million, you will have to learn not only to reason, but also to actively act. Below are TOP 8 options for earning 1,000,000 in Russia .

Option 1. Hired work

Among those looking for ways to make a million from scratch, the idea of ​​working for hire is usually not popular. However, the wages of experienced specialists in megacities are often significantly higher than the profits of an entrepreneur in the provinces.

Of course, finding a well-paid hired job is not easy. A number of conditions will need to be met.

To earn a decent income, you must:

1. become a highly educated specialist who is in demand on the labor market;
2. carefully build a career, choosing the most promising and highly paid ones from a large number of offers.

Today, not only management personnel can boast of the highest salaries, but also specialists in the field programming , accounting department , lawyers , dentists , realtors real estate sales.

Provided they have certain experience, a serious attitude towards work, and employment in a large company, they can earn several million a year.

Option 2. Own business

In search of a way to make a million, many people pay attention to the opportunity to start their own business. Financial experts confirm that this is one of the few options that can bring hundreds of percent per year from the funds invested in the business.

It should be remembered that it is unlikely that you will be able to make money from scratch this way. In any case, you will have to invest money in creating your own business.

Of course, there are areas that allow you to start a business with minimal investment. Moreover, a new entrepreneur can count on free financial support from the state. However, in order to obtain it, you will have to develop and submit a high-quality one for consideration by the commission.

When choosing the direction of your own business, experts recommend first of all paying attention to mini business ideas . They allow you to get started with minimal investment at home. The only thing you need to do is evaluate your knowledge and skills.

Almost everyone has the resources necessary to run the following types of business:

• cosmetic and major repairs of residential and commercial premises;
• provision of small household services in the field of electrical and plumbing;
• equipment repair;
• services of a private driving instructor;
• making custom cakes;
• cleaning services;
• tutoring;
• consulting services.

Method 5. Earn money at home

Even those who live in small towns and do not have initial capital can earn a million. To do this, it is enough to organize your own home business.

Professionals advise start your own business in an area with which you are familiar. The greatest success is achieved by former employees who have managed to gain serious experience in their professional field.

It is also important to ensure that the chosen area of ​​activity is in demand. Today the greatest success can be achieved lawyers, teachers, pastry chefs, photographers.

The choice of options for creating your own business is significantly expanding for those who have free space for this. Many successful businessmen started their business in a garage.

The following types of companies can be opened in the garage:

1. car service;
2. furniture workshop;
3. production of building materials, paving stones, paints and other products;
4. dry cleaning or laundry;
5. for cleaning feather pillows;
6. growing mushrooms and herbs;
7. production of breakfast cereals, herbal teas.

If you choose a business that you like and is in demand among residents of nearby areas, it will be quite possible to earn a million. Of course, this will require some effort.

Method 6. Investments

Many who have free money are thinking about how to make money with it. Most often, the decision is made to put capital in the bank on. However, the profitability of this option leaves much to be desired.

In fact, there are many ways to invest money that allow you to make good money in a fairly short time.

It should be understood that a higher ⇑ level of return is associated with a higher ⇑ level of risk of loss of invested funds. Therefore, when investing, it is important to choose the optimal ratio of these two indicators for yourself.

The table presents the most popular investment instruments in order of increasing risk and profitability.

Table: “Profitability and risk levels of various investment instruments.”

Investment instrument	Risk level	Profitability
Bank deposit	Minimum	Low
Precious metals	Low	Low
Bonds	Low	Average
Stock	Average	Can be quite high
Currency	Elevated	High
Private lending	Very tall	Maximum

An important principle of this income generation option is that the investor must have a good understanding of the chosen financial instrument. In this case, you will be able to earn a million or even more quickly.

Beginners who lack the necessary knowledge may lose part or all of their invested capital. However, there is an opportunity that can significantly reduce⇓ risks - transfer money to trust management professionals. In this case, the owner of the funds only needs to find an experienced manager who can wisely invest the funds with maximum profit.

📣 By the way, access to modern financial exchanges is carried out through brokers providing online trading services. Therefore, it is important to carefully consider his choice. One of the best is this broker.

Method 7. Earn money from freelancing

This income option is very popular all over the world. In Russia, they are still treating him very warily. Meanwhile, he allows you to earn a million by offering your services to those in need. However, it should be borne in mind that serious experience and knowledge in a certain area will be required.

Among the advantages of freelancing are:

• there is no need to waste time on the road to the workplace;
• the ability to independently plan your working day;
• absence of demanding superiors, the freelancer decides for himself when and what to do.

However, despite serious advantages, this option also has tangible flaws . First of all, they are associated with instability of earnings. There is no guarantee that orders will arrive evenly throughout the month; you may be left without income for an indefinite period of time.

It is precisely due to instability that experts recommend first using freelancing as a source additional income. Only when you have built up a large client base can you quit your job and devote yourself entirely to what you love.

Method 8. Own website

Not everyone knows, but it allows you to quickly make a million creating your own websites . This kind of work requires the ability to create resources, select and write high-quality content, and promote a finished website. If such skills are not available, funds will be required to pay for the services of specialists.

You don't have to have a lot of experience to start making money this way. Beginners can create websites using free templates and purchase inexpensive texts on exchanges to fill them out. Of course, such a resource cannot be sold at a high price, but you can practice basic skills and learn a lot from it.

This concludes our issue.

We wish all readers and visitors of the online magazine “site” to find a truly profitable way to earn money. If you have not yet managed to earn your million, may you be able to do so in the near future!

If you have any questions, comments or additions on this topic, write them in the comments below. Don't forget to also share this material with your friends on social networks. See you again!

Good afternoon, readers of my blog. Very often on the Internet I come across the question - “How to make a million dollars?” There are about as many answers as there are questions – millions. To be honest, many people think that this is not realistic in the conditions of modern Russia, and if it is real, then it is due to some kind of fraud, deception or corruption schemes. I want to say this: throw this garbage out of your head. The era of the Internet and free access to information gives you incredible opportunities. You can earn money, and not bad money. Whoever is smarter will earn more than a million, fortunately there are all the opportunities for this.
Today I will tell you about ten of the simplest, and some even say stupid, ideas that brought their creators millions of dollars. To be honest, I consider such people to be geniuses. To some extent, they were lucky that such an idea was accepted and successfully implemented, but success is not accidental, sudden - yes, accidental no.

A million pixels - a million dollars

Sunglasses for dogs - a million dollar idea

To be honest, at first I even doubted whether to write about this idea or not. This is the typical American dream - to make money from stupidity. Well, just think – sunglasses for dogs. Yes, in Russia such a business would not have brought in even a thousand rubles, but in the USA it went with a bang. Roni Di Lulo is the founder of this interesting project. The idea came to her after she saw her dog squinting in the sun. Then Di Lulo decided to create a company called Doggles, which would produce glasses to fit the shape of a pet’s head.
The British daily Daily Mail listed Doggles as one of the 11 dumbest ideas that shouldn't have worked but made millions. The company now operates in 16 countries and has 4,500 partner stores. It's just incredible, I still can't believe it. And the most amazing thing is that Doggles has signed an official contract with the US Army and supplies glasses for military dogs. Then my world turned upside down.

How to combine serving in a monastery and earning millions?

The desire to improve your life and the lives of other mothers brings a million dollars

Young mother Christy Raine always suffered from the fact that she had to carry baby diapers in a separate bag. It was not convenient, they wrinkled, got in the way and caused a lot of trouble. The desire to simplify life for herself and thousands of other mothers like her prompted her to create Designer Diaper Bags. Her task was to create something compact, but at the same time stylish and beautiful. Christy and her husband thought out the design of the bag in such a way that it would hold 2-4 diapers, and not a large “traveler’s kit”. In 2005, net profit was $180,000, and Christie's company developed 22 more different models of such bags.

Ingenuity and creativity can also be sold

Have you ever encountered the problem of choosing a domain name? Very often for your project you want to choose something creative, interesting, and easy to remember. The selection process can take more than one day, or even a month. What about entrusting such selection to other people? The idea of ​​creating an agency to select names for domains seemed weak. Most people choose names themselves, why contact anyone. But, as it turned out later, the service was in demand, and quite a bit. Many companies lined up for a good name. Every year there are fewer and fewer interesting domains, which is why PickyDomains.com services are becoming more in demand. Today, choosing a beautiful name costs $50, and coming up with a slogan for it costs another $75.
The price is ridiculous, even for us. Some 50 dollars and you get dozens of interesting options that meet your criteria. Already, this project has brought the founders more than a million dollars.

Simple ideas - big money

By writing this article, I wanted to show that even the simplest, most absurd, unusual or stupid ideas can bring in millions of dollars. Do you think this is not possible now? Yes, I am sure that at this very moment, when you are reading this line, someone has invented and is implementing another “stupidity” that will make him a millionaire.
Believe in your strength, try to use all the opportunities and chances that life gives you. Even if they seem stupid at first glance, it’s worth a try, and maybe I’ll write about your idea next time.

It is difficult to find a person who has not dreamed of becoming a millionaire at least once in his life. According to the most conservative estimates, about 95% of citizens constantly dream of earning a million dollars, and only a modest 5% have either already earned that kind of money or abandoned their idea for ideological reasons.

Earn a million - internet examples

Another million-dollar idea, it turned out to be a social idea for classmates, it was launched in the USA at 15 years old Catherine Cook with 17 year old brother Dave. Of course, today Russia has an analogue, a very successful one, but for 2005 it was new. The website Zenhex.com brought its creators several million dollars. True, the teenagers did not develop the project themselves; after a successful start, they poured in more than 4 million ever-green investor capital. I wrote about venture investing in.

One of the fascinating stories of how to become a millionaire is the story Michael Furdyk.1996, Michael felt, understood, guessed, was lucky (underline as appropriate) the advent of the information era, creating sai T MyDesktop.com dedicated to computers. It is worth noting one feature: the guys filled the site themselves using the same Internet, the result exceeded expectations, after 4 years the site was sold, each of the partners received more than one million dollars net.

A classic example of making a million on the Internet is Adam Hildreth, the young man already at the age of 14 launched a social network for teenagers, by and large, nothing special. True, Adam chose a non-trivial path to monetize income; he suggested that large companies (producing products for young people) use the network as a focus group for developing marketing campaigns. As a result, Dubit Limited, a company led by Adam Hildreth, arose, and the young man himself became the owner of a fortune of over $4 million before the age of 20.

Often, in order to come up with a million-dollar idea, it is not necessary to be creative or invent new products; it is enough to correctly use existing knowledge plus resources. Thus, I did Jason Bryan. Its Jason began his professional career working in the marketing department of a company selling cars. What did you do? Jason Bryan to make a million?

Everything is quite simple, using his knowledge of selling and advertising cars, Brian created his own website Autocricket.com helping potential customers choose the best car. The resource brought in money by selling information about potential customers to manufacturers and car dealers. The resource quickly became popular; in the first year, they managed to attract 250 thousand investor money for the startup. Two years after the start of the project, the site’s gross revenue exceeded $6 million, which is not a profitable investment.

For young people who want to earn their million, today the most favorable place is the Internet, which once again confirms the experience of an 18-year-old Joshua Dziabiak.For your 18th birthdayJoshua managed not only to create and sell the Mediacatch company for $1 million, but also to invest money in a new project Showclix. Showclix – site selling tickets for concert halls, cultural centers, museums. The project has not only attracted about $1 million in venture capital investments, but generates about $9 million in revenue.

Earn a million by trading, examples

You can trade in different ways, usually by simply exhibiting goods, or you can create conditions and offer a service. I took the last route Olga Nazarova, started selling navigators, but they sold not just a device, but a full set of services, including programs that provide control over the movement of vehicles. The idea of ​​control (and therefore savings) was liked not only by forwarding companies, but also by agricultural producers, and Olga became a millionaire

What could be simpler than glasses? Glasses have become a common attribute of society; it turns out that even such ordinary things can earn a lot of capital. 21 year old Jamie Murray Wells proved that even here there are possibilities. The essence of the idea is simple, creating an online store for glasses, however, with a small amendment, glasses can be bought with a prescription. You enter the data, ready-made glasses arrive by mail, quickly, cheaply, cheerfully. Jamie has $2 million in income plus a multi-million dollar company.

How can you make a million? Often we look for the answer anywhere, but not where it actually exists. Most likely he was guided by this logic Raymond Lee started selling T-shirts. Everything seems banal, Raymond ordered T-shirts in China and sold them in the USA on his website Ooshirts.com. Simple and nothing ingenious, but in two years the sales volume increased to almost $1 million. The young man, carried away by his ideas, abandoned his studies (he was 20 at that time), becoming completely carried away by trade.

One of the most striking examples of making money from trading for young people is Cameron Johnson. Cameron's business career began when he was 9 years old, with the development and sale of exclusive invitation cards; by the way, anyone can start such a business.

Further, in the wake of the popularity of plush toys in the United States, Cameron Johnson began selling bear cubs and monsters using his own website Cheers and TearsAndeBay, the children's business brought in a quite normal profit of 50 thousand.

Then the young entrepreneur implemented a number of projects, from a program (he invented it himself, and ordered its implementation from freelance programmers) for selling advertising to services for selling gift certificates. By the age of 19, Johnson had sold one of his projects ( CertificateSwap.com) for several million bucks. True, he became a millionaire much earlier; according to the entrepreneur himself, by the age of 15, his earnings exceeded $1 million per year: - “I was 15 years old, and every month I received checks of $300,000 and $400,000.”

Earn a million – production, services

It’s rare to see startups that not only help you earn money, but also have a real social focus; this is the kind of project that helped you become a millionaire Dmitry Yurchenko. Dmitry is the developer of the “life button”, a service with which pensioners and simply older people can sound the alarm. After receiving a signal to the call center, doctors are sent to the pensioner, it’s just not fancy and turns out to be profitable.

Production is not always about machines, machines, and other global things; often, millions of their owners bring crazy and stupid things. This is exactly the product made from Jason Wall rich man. Jason first “invented” and began selling small ball-shaped caps for car antennas. The company he founded AntennaBalls In just a few years of operation, the company has surpassed $1 million in income. Are you surprised? read further.

How do you like earning a million on glass lids? True, the lid is not quite ordinary, but changes color as the temperature changes, its inventor Nick Bays most likely did not count on such success. At the same time, the idea brought him the coveted sum with six zeros. True, the inventor did not stop there and began to earn money not only from the covers, but also from advertising on the front side.

Innovation also brings money, a fact confirmed by the story of Danielle Gómez Iñiguez. The basis of the idea is banal – a press for squeezing out oil. Daniel began to develop his own press, ensuring maximum oil yield, since school; the solutions applied by the student made it possible to increase the extraction rate and ensure good quality. This oil could be used to produce biodiesel. The results were not long in coming, investors came, and Solben is now valued at much more than $1 million.

A striking example of income opportunities for teenagers is the example of Fraser Doherty. As a 14-year-old teenager, Fraser started his own business, it’s hard to say whether the young man “guessed right”, or maybe he was lucky, his products fell on the healthy eating trend. The young man began making jams on his own according to his grandmother’s old recipes. The product was not only healthy (no preservatives or flavorings were used in the preparation), but also nostalgically delicious. The market quickly appreciated the young entrepreneur, and the startup attracted investment. Three years later, Fraser Doherty's firm had a turnover of more than $1.5 million, selling its products throughout England.

Earned a Million Dollars from a Crazy Idea in 5 Months [Storytelling]

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Interesting on this topic

The main essence that will give you an understanding of how to become a millionaire

Nowadays you won’t read about how to choose the right niche for yourself and create a profitable business. There will be no word about multiple sources of income and investments in various assets. And you won’t see any examples of young millionaires at all. At first, you don't need this at all. This will only distract from the main point. And you should really understand it. Answer this question for yourself: “What is money for me?” First of all, it is necessary to understand the very essence of the existence of money in our world.

Money is energy. And any energy is a resource. Therefore, money is a resource. What are the resources for? To create something. To create anything you need a goal. And the first mistake that many make is that they set the goal of precisely the desire to earn 1 million rubles. Money cannot come for the sake of money. Money comes when a person has a goal. Having a certain amount of money is just a fact of being able to achieve a certain goal. Everyone wants money, but they don’t know how to set and achieve life goals.

Now let's think about why we need to set goals? And in order to develop. The basis of the universe is a universal mechanism of development. It already follows from this that we need money for our self-realization. Self-realization is the 100% disclosure of your creative potential through serving the world and fulfilling your predetermined mission. If your development is low, then your income is low. An increase in cash flow is an increase in the level of your development; it is one of the indicators of your spiritual and personal growth.

Earn a million. Step 1: Know

When a person wants to earn one million rubles, then first of all he thinks about himself. And that's okay. With money, we first try to satisfy our 3 most important needs: security, pleasure and power. Having shelter, food, and the ability to stay healthy gives us a sense of security. A car, an image, sex gives a feeling of pleasure. And the acquisition of new knowledge, skills and abilities is strength. And imagine that these needs are covered for you, you have enough money for this. I will say this, on average, this requires from 100 to 300 thousand per month.

What happens next? Then you have a need to serve people and express yourself individually. Here lies the answer to the question of how you can earn 1 million rubles a month and even more. Only when we begin to be creators of something new and the basis of this creativity is love for people, then the Universe opens the doors to us into the world of well-being and prosperity. We find ourselves in such a cash flow that we ourselves cannot believe it. And it always exists, but for some reason we have been swimming in the wrong place all our lives. Yes, because we are not taught this from an early age.

How to get into the flow now? The answer is simple. Know yourself! Discover your strengths, your creative potential. Understand your mission, path, niche. Call it what you want. Realize what your self-realization as an individual consists of. This is the most important and at the same time difficult step on the path to big money. There are a large number of methods and techniques for self-knowledge. I'll tell you a secret. The right hemisphere of our brain is responsible for self-knowledge. This is intuition, this is a vision of the path. There you will look for answers to the question “Who am I?” Understanding yourself is already 80% of success on the path to a million.

Earn a million. Step 2. Decide

It will be necessary to solve an equation with 3 variables.

P(number of sales)*Q(average bill)=P(revenue)

This is also called decomposition or thinking from the end. Thanks to this formula, we will answer the question: “At what number of sales and average check will our revenue be 1 million rubles?” This is the basic formula for an entrepreneur. The most important thing here is to determine whether it is possible to achieve these goals thanks to your activities.

For example, let’s take the option that we repair computer equipment. The average bill for services is 1000 rubles. What we will get: 1,000 service sales * 1,000 rubles = 1,000,000 rubles. Is it possible for one person to serve 1,000 people in a month? No. We will have to either increase the average bill or open additional repair centers, i.e. increase sales by increasing the number of employees. Working with this formula involves searching for optimal indicators so that our activities bring pleasure and money at the same time, and are not hard labor. Therefore, the issue of your niche must be approached very carefully. It’s better to think in advance than to change it halfway.

We will solve such an equation using our intellect. And it is the left hemisphere that responds to it. It turns out that our brain will decide the first two steps! To the right – we know, we dream, we imagine. Left - we select, decide, plan. If these two steps take place simultaneously, then making a million will be very easy. Yes, it’s easy to make a million! When you earned it) Everything else is just the result of effective actions over a certain period of time.

Earn a million. Step 3: Take Action

Bodo Schaeffer in his book “The Path to Financial Freedom” writes that there are several opportunities to earn your first million:

1. You save a certain percentage of your income.

2. You invest the money you save.

3. You increase your income.

4. You save a certain percentage of each income increase achieved.

The third step is learning how to handle money. Money loves people who know how to use it correctly to improve the lives of other people. Follow Bodo Schaeffer's advice, it works. Read some more books on financial literacy. Maintain a financial budget, save at least 10% of your income, invest in what you know and understand. Repeat the cycle until you earn your million in a month. It's a matter of daily training. You can't come to the gym and push a barbell 100 kg from your chest. It is necessary to train. Practice! In this case - with money.

Of course, in order to earn large sums of money, you still need to know, be able to and do a lot of things. For example, correctly delegate important tasks or constantly improve your product, no matter how perfect it may seem. But this is all secondary. I hope now you understand what is most important on the way to your million. Right! Understand your mission and follow your path! Good luck!

It seems that earning $1 million is impossible. It's actually easier than you think. To do this, you don’t have to buy a lottery ticket or invest all your savings in some super profitable project. Entrepreneur has compiled 10 tips to help you earn your $1 million. Yes, you have to make some sacrifices, but it's worth it.

1. Increase your savings

Every company has a goal to make more money. You should adhere to the same principle. Some people save 5-15% of their income. This is not enough to become a millionaire. You need to severely cut expenses and save at least 50% of your monthly income. If your family has two sources of income, then try living on one salary and saving the other.

2. Create a plan and stick to it

You need to learn how to invest money correctly, plan investments and strictly adhere to your plans. It is important not to be influenced by the crowd. Those who buy and sell more often earn less than those who buy and hold.

3. Make money from your passion

Find something you are truly passionate about, become a professional at it, and make money from it. There is nothing better than when your favorite hobby brings you a lot of pleasure and money. For example, Steve Ells was passionate about cooking. He borrowed money from his father and opened a small restaurant. In a month, he sold 1,000 burritos (filled flatbread), and a few years later he opened the Chipotle Mexican Grill restaurant chain. Don't worry if something doesn't work out for you. Do what you love.

4. Start investing as early as possible

The sooner you start investing money, the more you will earn. If you buy shares of companies and reinvest dividends (buy more shares with them), this can make you a millionaire. It is important to invest money in different promising companies. To do this, consult with professionals.

You can calculate how long it will take you to get $1 million. For example, if you place $2,000 a month in savings or bonds with a yield of 2%, it will take you 32 years. You start at 25 years old, by 57 years old you will have your first million. Want faster? Invest more or in more profitable instruments.

5. Be patient

Regardless of the strategy you choose, it will take you a long time to accumulate large sums. Investing is not a short 100 meter race, but a long 42 km marathon. Even the most successful business does not take off in one day. Making your first million is always very difficult, but with the second it will be much easier.

6. Invest in real estate

All rich people invest in real estate. It is important not to make a mistake with the location, developer and project. Start by buying a small apartment. Rent it out or resell it at an increased cost. Increase your momentum.

7. Don't spend money to show off your status.

Only stupid millionaires waste their money, buying everything they want until they find themselves bankrupt. Smart millionaires live modestly: their homes are not located in elite areas, they do not buy expensive cars and do not stay in five-star hotels. If you have free money, then invest it to generate additional income.

8. Build your wealth

You don't have to be a super successful businessman to make big money. It is enough to be a disciplined, hardworking and creative person. Start small: first try to sell your unnecessary things, then invest in stocks, then something else.

9. Avoid thinking about failure

Set yourself up for success, but stay sober. Thoughts about bad things will only get in the way.

• Don't think that you are doing this in vain.
• Don't think that everyone owes you.
• Don't take out a loan if you can't pay it back.
• Don't be afraid of obstacles.
• Don't leave those who owe you money.
• Always learn.

10. Invent something

Can you come up with a new product or service? Do you have a lot of ideas? Pick one and try it. For example, Sarah Blakely became the youngest female billionaire at age 29 simply by creating comfortable underwear that can be worn under white pants. Her underwear under the Spanx brand is sold in 40 countries.